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Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

This week, we're joined by Andrew Green! Andrew is the creator of the Kids Jiu-Jitsu Playbook and a 25-year veteran of martial arts coaching. In this episode, Andrew teaches what truly makes a great kids coach: understanding developmental stages, emotional regulation, building culture, motivating engagement, working effectively with parents, why kids can't be coached like "mini adults," how life skills outweigh medals, and what gyms can do to create safer, more sustainable, and more impactful youth programs.Follow Andrew on Instagram:https://instagram.com/innovativemartialartswpgTrain with Andrew at Innovative Martial Arts in Winnipeg, Manitoba, Canada:https://winnipegmartialarts.caCheck out The Kids Jiu-Jitsu Playbook (there's a free version):https://www.skool.com/kids-jiu-jitsu-playbookMental models discussed in this episode:Gamificationhttps://bjjmentalmodels.com/gamification⬆️ LEVEL UP with BJJ Mental Models Premium!The world's LARGEST library of Jiu-Jitsu audio lessons, our complete podcast network, online coaching, and much more! Your first week is free:https://bjjmentalmodels.comNeed more BJJ Mental Models?Get the legendary BJJMM newsletter:https://bjjmentalmodels.com/newsletterLearn more mental models in our online database:https://bjjmentalmodels.com/databaseFollow us on social:https://instagram.com/bjjmentalmodelshttps://threads.com/@bjjmentalmodelshttps://bjjmentalmodels.bsky.socialhttps://youtube.com/@bjjmentalmodelsMusic by Enterprize:https://enterprize.bandcamp.com⚠️ NEW course from BJJ Mental Models!MINDSET FOR BETAS, our new Jiu-Jitsu audio course with Rob Biernacki, is now available on BJJ Mental Models Premium! For a limited time, get your first month FREE at:https://bjjmentalmodels.com/beta

This episode features repeat guest Kevin Toye, an avid BC-based bowhunter, and Landen Fidek, a close friend of Kevin's and another very dedicated bowhunter from Saskatchewan.  If you've ever looked at hunting bears over bait and considered it cheating, or easy, prepare to have your mind opened. Kevin and Landen recount the time and effort they put in chasing giant bears in Manitoba, and what it takes to put it all together and have a chance at arrowing bears in the 400 – 500 plus pound range.  NOTABLE QUOTES:  "I was really taken away with just how much harder it was and how arrogant I was to think I was just going to go out there and just have a super easy hunt."  @hunt.source @kevinltoye @landenfidek   ---------------------------  DEALS & PARTNERS:  For over 100 years Leica has set the standard for premium optics. From spotting scopes to binoculars, rifle scopes and the new CRF MAX rangefinders, Leica is the choice for those who accept no compromises.  Don't miss out on Canada's best mountain hunting and conservation expo! The 2026 Wild Sheep Society of BC's Salute to Conservation Mountain Hunting Expo will sell out fast. Get your tickets now!  onX Hunt is the most powerful 3D mapping solution for hunters. Get your FREE trial today. If you're already a member, check out the exclusive offers and perks available when you upgrade to an Elite Member.   Tired of gut rotting instant coffee? Check out This Is Coffee and get yourself some great instant coffee for when you're in the backcountry or on the road.  ---------------------------  SUPPORT WILD SHEEP:  Go to Wild Sheep Foundation to find a membership option that suits your budget and commitment to wild sheep.  Go to Wild Sheep Society of BC to become a member, enter raffles, buy merch and support BC's wild sheep populations.  SUPPORT MOUNTAIN GOATS:  Go to Rocky Mountain Goat Alliance to find a membership option that suits your budget and commitment to conserving mountain goats and their habitat.   

As the 13 premiers meet in Ottawa today, Manitoba's Premier, Wab Kinew, weighs in on tensions between the leaders and on why Churchill deserves truckloads of money to beef up its port.

In this episode, we sit down with Stan, a Manitoba-based entrepreneur and three-time Enfold guest, to trace the arc of a profound multi-year transformation. What began as a curiosity sparked by a breathwork session turned into a journey that saved his marriage, healed deep-seated childhood wounds, and reconnected him with his Indigenous ancestry .Stan's story is a powerful testament to the fact that healing isn't a one-time event—it is a continuous unfolding. He opens up about the "emotional constipation" and hidden struggles with bulimia that plagued his early life, and how the "mask of success" kept him disconnected from his heart.We explore his three distinct experiences at Enfold:The First Intensive (2023): Facing the ego's fear of death, realizing the beauty of life, and choosing to go "all in" on his marriage with Sande .The Second Intensive (2024): A chaotic, necessary release of "youthful energy" and the shedding of old, toxic patterns .The Third Intensive (2025): Stepping into the 5-day format, finding deep vulnerability in community, and embracing his Metis heritage as "Wolf Who Looks Both Ways".This conversation is a beautiful example of the "Middle Path"—bridging the world of business with the world of spirit, and finding the courage to walk in both.— Enfold offers safe and sacred transformational experiences combining psychedelic medicines, breathwork, coaching, and somatic modalities, with a grounding in Buddhist philosophy. We come together as a community to support one another on the path of transformation with events, circles, and ongoing programs.Ready to embark on your own transformational journey? Learn more about our programs at: ⁠https://enfold.org

Every Wednesday night at 8pm ET, we spin the wheel and land on one randomly selected Tragically Hip song — then we discuss, debate, and dissect it with three panelists and a very opinionated live chat.This week, the wheel landed on “Leave” from In Violet Light (2002) — and we got into the groove, the two-part structure, Gord's bird-heavy storytelling, and where this track sits in the album's pacing (aka: the unsung bridge between heavy hitters).Next week's random pick: “Wild Mountain Honey” from Music @ Work.This Week's SongSong: “Leave”Album: In Violet Light (2002)Producer: Hugh PadghamFormat: Live panel + chat discussion (one song, one hour, no wrong takes)PanelistsAndrew (Winnipeg)Patrick (Toronto)Craig (Langley) (also plays in the Hip tribute band Gift Shop)What We Talk About (Highlights)Album “go-to” picks right now: World Container, In Violet Light, and We Are the SameWhy “Leave” feels like an album track / deep cut — and why that's not an insultThe band's groove (Sinclair + Fay love all over this one)The song's structure: essentially two halves instead of a standard verse/chorus/bridge patternLyrical rabbit holes: quotes, birds talking to birds, and that killer line: “How do we learn to hurt?” (discussed, not solved — because Gord)Live history note from the panel: “Leave” appears to have been played live only a handful of times (per setlist research mentioned on the stream)Chat check-in: one-word reactions and a great listener description of the track as a “start the day” song — gentle, moving, pointed but laid backTimeline (from the stream transcript)[0:38] jD sets the table: the On Shuffle format + “no wrong takes”[1:47] Introductions: Andrew (Winnipeg), Craig (Langley), Patrick (Toronto)[3:36] “Go-to Hip record right now” discussion[10:43] Song discussion begins: first impressions + where “Leave” fits[18:31] Music deep-dive: groove, dynamics, structure (two-part feel)[24:09] The “birds” thread expands (and yes, people noticed)[35:31] Live-performance chat + setlist mention[48:09] Wheel spin: next week's song is “Wild Mountain Honey”[49:54] Panelist plugs + shoutouts[53:01] Breadcrumbs teased for upcoming stuff + community reminderNext Week

Alberta separatists are rallying to collect signatures to call a referendum. Meanwhile, with Francois Legault's resignation, and the separatist Parti Quebecois leading in opinion polls, a referendum is once again a real possibility in QuebecAre Alberta and Quebec's separatist movements a real threat to the unity of Canada? Plus, police officers charged in Manitoba, and fact-checking oil industry spin on CANADALAND. Host: San GrewalCredits: James Nicholson (Producer), Kattie Laur (Associate Producer and Fact Checking) Caleb Thompson (Mixing and Mastering), max collins (Director of Audio), Jesse Brown (Editor)Guest: Max Fawcett Further reading: New poll suggests one in five Albertans would vote to separate | CBC News What Alberta separatist leaders are telling supporters at secession petition events - Edmonton Journal Alberta's independence movement is a global rarity: right-wing separatists - National PostHas Separatism Gone Mainstream in Alberta? | The Tyee Most Quebecers Oppose Sovereignty. Even More Reject Another Referendum | The Walrus 30 years after cliffhanger vote, Quebec separatists voice hope for independence Alberta, Quebec referendums likely would fail due to Canadians' anxiety: pollster - Toronto Star #1294 Oil For Dummies - CANADALAND [Podcast] FUEL FOR THOUGHT: OPEC rails against peak oil demand threats, but its own investments bear watching | S&P Global Global oil demand won't peak until 2032, Wood Mackenzie report says | Reuters Junior officer charged alongside disgraced Winnipeg constable pleads guilty | CBC News Sponsors: MUBI: To stream great cinema at home, you can try MUBI free for 30 days at mubi.com/canadaland.Fizz: Visit fizz.ca and activate a first plan using the referral code CAN25 to get 25$ off and 10GB of free data.Squarespace: Check out Squarespace.com/canadaland for a free trial, and when you're ready to launch use code canadaland to save 10% off your first purchase of a website or domain. If you value this podcast, Support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch at our store, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. Hosted on Acast. See acast.com/privacy for more information.

Welcome to this week's edition of the Farmer Rapid Fire on RealAg Radio, brought to you by Corteva Biologicals! Bruce Hill of Kinburn, Ont.; Scott Perkins, Elgin Man.; Kevin Bisschop, Chilliwack, B.C.; Corey Loessin, Radisson, Sask.; and, Corteva Agronomist Allison Rasmussen based out of Manitoba. Thoughts on something we talked about on the show? Connect... Read More

Welcome to this week's edition of the Farmer Rapid Fire on RealAg Radio, brought to you by Corteva Biologicals! Bruce Hill of Kinburn, Ont.; Scott Perkins, Elgin Man.; Kevin Bisschop, Chilliwack, B.C.; Corey Loessin, Radisson, Sask.; and, Corteva Agronomist Allison Rasmussen based out of Manitoba. Thoughts on something we talked about on the show? Connect... Read More

Allen and Joel are joined by Mathieu Cōté from CanREA to preview the upcoming Operators Summit in Toronto. With many Canadian wind projects reaching 17-20 years old, the industry faces critical decisions about extending, repowering, or decommissioning assets. Register now! Sign up now for Uptime Tech News, our weekly newsletter on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on YouTube, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary’s “Engineering with Rosie” YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining Light on Wind. Energy’s brightest innovators. This is the Progress Powering tomorrow. Allen Hall: Matt, welcome to the program. Thanks for having me. Well, the theme of this Year’s Operator Summit is coming of age and. There’s a lot of things happening in the renewable side up in Canada. What does that mean for Canadian renewable energy operators right now?  Mathieu Cōté: Well, we came up with coming of age because, um, the fleet in Canada is in a bit of a different space than it is in the States where, uh, right now we’ve got a lot of projects that are on the cusp of coming to their end of initial lifetime. Right. They’re in that. 17 to 20 year range. There’s some that are a little bit past, and so you, as an operator, you gotta be asking yourself, is this the time to extend this project? What do I have to do [00:01:00] if I need to extend? Um, or am I repowering, am I taking things down, putting them up? And I mean, there’s a lot of different variables there. Sometimes it’s just a re topping, sometimes it’s everything down to ground level and go again. Or it’s, maybe it’s a decommissioning and those decisions are on the cusp of being made in the operation space in Canada. So that’s, that’s a super important part of it. But the other side of it, and the reason we liked, uh, coming of age is from the industry perspective itself. We are no longer the new kid on the block, right? We are now a reliable, uh, professional industry that can deliver power when you need it. Uh, so that’s what we’re trying to, to convey with this coming of age. And, and we’ve got some really good speakers who are gonna talk about that, uh, from. The grid operator’s perspective saying, why is it that renewables are one of the first things they reach for now when they realize they need more power? Joel Saxum: I think it’s an interesting space and I think to, to [00:02:00]comment more deeply on that, right? That you guys are in that, you  Mathieu Cōté: know,  Joel Saxum: 2005, six you started installing a  Mathieu Cōté: lot of the, a lot of wind assets. There was a curve of, as it as every year you get more and more. Trickle and then becomes a flood quite quickly. Joel Saxum: Yeah. And, and, and you know, from, from the operation standpoint, we deal with some of the wind farms in Canada. We love working with, uh, the operators up there because they do exude that professionalism. They’re on top of their game. They know they’ve gotta maintain these things. Whereas in the states, we’ve been a little bit nascent sometimes and, oh, we got PTC coming so we don’t have to do these certain things. Little bit more cowboy. Yeah. Yeah. And up in Canada, they’re, they’re, they’ve been doing the right things for a long time. Um, and I think it’s a good, good model to follow, but you’re a hundred percent correct. We’re coming to that time when it’s like decision time to be made here. And I think we, in our, in our uh, kind of off air chat, you had mentioned that, you know, repower in Canada is. Pretty early stages. I  Mathieu Cōté: only know about  Joel Saxum: one,  Mathieu Cōté: to [00:03:00] be honest, and I try and keep track of these things,  Joel Saxum: but that’s coming down the pipeline,  Mathieu Cōté: right? So there’s gonna be more and more of these happening. And I mean, there are a lot of operators that have one foot on either side of the border, so some people have some operational experience on what steps you need to take, but it’s also from the regulatory side, like what is your grid operator gonna insist on? So on and so on. But, uh, so we’ve got some panels to talk about things like, one of my favorites is, uh, how much life is left in your machine? And that’s sort of a deeper dive from an engineering standpoint. Like what math do the engineers do to assess, is this foundation good to go for another 10 years? Is this tower gonna stand up to whatever? Should we replace the blades and all those components? We, we’ve got a foundation expert, uh, someone who does. Digital twin sort of things as well as, um, a panelist from, uh, Nordex, so the OEM sort of perspective as well, and how they assess how much [00:04:00] life is left in a machine. So like that’s the sort of panels that we’re trying to put together that we’re pretty excited about.  Joel Saxum: Well, I think that’s a good one too, because I know Alan and I we’re talking around the industry globally. A lot of it is around CMS. And when we say CMS, we’re not just talking drive train anymore, we’re talking everything you can in the turbine, right? So the, the concept of remaining useful life, r ul, that always comes up, where are we at with this, right? Because from a global perspective in Europe, they have, you know, in Spanish wind farms are all, a lot of ’em are at that 25 year mark. What are we doing here? So you guys are bringing that conversation to the Canadian market at this operator summit in Toronto here in February. It’s, it’s timely, right? Because it’s February and everybody’s getting ready for spring, so you got a little bit of time to come to the conference.  Mathieu Cōté: Well, and that’s one of the things that we actually used to do is show in April and we’ve moved it back after hearing feedback from our, from our audience that April’s almost too late, right? Like, if you’re doing your assessments for your [00:05:00] blades, it where? Where’s your manpower coming up? Coming from in the summertime? Those contracts are already signed. By the time you hit April, February, you’ve still got time. Your RFP might be out so you can meet all the proponents on site at once. It, it just makes a lot more sense for us to do it in February. Allen Hall: Well, there’s a wide range of technology in Canada in regards to wind to energy. That adds to the complexity where a lot of turbines, unlike the United States, are maybe even sub one megawatt, and with new turbines coming online, they’re gonna be in the five, six, maybe even seven megawatt range. That’s a huge dispersed. Industry to try to maintain massive range. Yeah. Right. And I, and, and I think one of the dilemmas about that is trying to find people who understand that tho all those different kinds of machines and the intricacies of each one of them and how to operate them more efficiently, which is where Canada is. Quite honestly. The, the thing [00:06:00] about that and the challenge for Canada Head, and this is why the conference is so important, is. If there’s someone in Canada that has the answer, as Joel and I have talked to a number of Canadian operators, you may not know them. I know it’s a smaller marketplace in general, but unless you’re talking to one another, you probably, uh, don’t realize there’s, there’s help within Canada. And these conferences really highlight that quite a bit. Wanna talk about some of the, sort of the interactions you guys create at the conference?  Mathieu Cōté: Yeah. Oh, well, it’s one of the things that can RIA tries to do is play that connector role, right? Like, we don’t know everything, but like you say, we know someone who knows something and we can put you in touch with all. I know a guy who knows a guy. Um, but we’re, we’re always able to, to, to connect those dots. And I mean, we, we do a lot of, uh. Things like working groups and uh, regional meetings. And, uh, we’ve even got, uh, different summits for different things. Getting a little bit outside of operations, but like we [00:07:00] have an Atlantic operators group that gathers together and has a chat just sometimes, usually there’s a focus topic, but then we have, oh, how do you guys deal with the storm that came through? Or that sort of thing, or what, what do you do for if you need a new blade or has anyone got a good vendor for this thing or that thing? Those sorts of things always happen in the margins. And I mean, the ops summit is the, the best one of those because it’s the entire Canadian industry that gets together. We’ve got folks from bc, we’ve got folks from Atlantic Canada, there’s gonna be people from Quebec, and there’s vendors from all those places as well. Right? So. It’s covering all your bases and it’s the one place that you can talk to everybody and meet everybody in like a 48 hour period.  Joel Saxum: Well, I think that if, you know, just doing a little bit of deep dive into the agenda and the program here, that’s one of the things that you guys are focusing on. Targeted networking. So morning breakfasts, evening receptions, there, you know, structured and informal, uh, opportunities to actually connect with the o and m [00:08:00] community. Um, one of them that you had mentioned was kind of, um. Hands-on demonstrations and, and for me, when, when I see these things, ’cause I’ve seen them kind of slightly not, I don’t think I’ve ever seen anybody do it perfectly well. I’m excited to see what you guys do. But you get, you get a group of people standing around, like you get people kind of standing around. Rubbing elbows going, like, what do you think about that? What is, does this, is this gonna work? And, and those to me are great, great conversations for networking and kind of figuring things out together. The collaboration part.  Mathieu Cōté: Absolutely. Uh, well on those two points, the, the networking has always been a huge part of this show, and we’ve always built into the program. Okay. There’s some stuff on stage, but then there’s a break. And I mean, you can wander around the showroom floor and you can, but you can talk to the other people. And, uh, that’s a big part of this. That’s an important part of this. And then on the, the demonstrations and so on, we used to have what we called, uh, elevator pitches, uh, where, and we’ve done it various different ways where people get five minutes, one slide, you’re on [00:09:00] stage, you say your piece, you give us your elevator pitch, and then you get off and someone else gets up and talks. And we found that, that, and the feedback we got was that that was good because that condensed all of the salesy parts and kept it away from the panels. ’cause the panels, we want them to be informative, not. Selling you something. We want you to learn something. But the sales pitch is, there is some sense of like someone’s trying to sell you a thing. But we’re evolving that a little bit this year where we’re going towards demonstrations. So on the showroom floor, there will be someone who will have a tangible thing, whether it’s here’s the new fireproof coat that we’ve come up with, or here’s how this, uh, sling works, or here’s this piece of kit that fits on your machine that catches bolts when they break, or whatever it is. Here’s how it actually works, and they’ve got it in their hands and they can play with the go until it, uh, really, like you say, gets that light bulb moment that gets you to see how it works. And you can see that ROI [00:10:00] right away going, oh, okay. That if it catches the bolts when they break, then it doesn’t rattle around. And then I’ve gotta spend X amount less time fixing, missed out. Or the other thing, like it’s, it, it’s a, it’s a better way of doing it is, uh, what we feel. And like you say, then you get. Being on the showroom floor, it’s in amongst the booths. So people who are on the showroom floor can just sort of look over their shoulder, see that, okay, I really gotta go check out that guy. Joel Saxum: I like the idea of the format and there’s a couple other things like lessons learned track we talked about a little bit too. But one of the things for me for trade shows is when Alan and I went to ETC in Calgary a few years ago, two years ago I think. Yep. You actually had the. The conversations, the panel conversations, the discussions, the knowledge sharing happening on the showroom floor. I don’t like going to a conference where I have to go in, like I’m talking with some people, but, oh, I gotta run across this thing across over here, a mile away into some back room to listen to someone talk about something. I like, I like being where the information is [00:11:00] happening and sharing, and I can stand off to the side and listen a bit and, and still engage. Um, and you guys are doing some more of that too through the lessons learned track. Um, can you explain that a little bit to us?  Mathieu Cōté: Well, we’ve always had, uh, like a, some split in concurrent sessions and so on. But to your point of not running off to the other end, we’re in a pretty intimate space where we’ve got like a room for lunch and the plenaries, we’ve got a room for the exhibit hall, and then right next to it is any of the, uh, off to the side stuff. It’s all within a one minute walk of, of itself, which is much better. So we’ve got the concurrent, uh, sessions and. This year we split them instead of into two. We split ’em into three though that then we’ve got one for specific to wind. We’ve got one specific to solar and storage. ’cause we are renewable energy, not just wind. And then we’ve got one, uh, that’s a bit of a grab bag and it’s a bit of a different format. So instead of your traditional three [00:12:00] panelists plus a moderator, everyone’s got a slide, everyone’s gotta talk, blah, blah, blah. This thing, it, it’s much more focused. You’ve got one person who’s got a real important thing to say, whether it’s, here’s, uh, lessons learned on how our hub fell off and here’s what we learned from it. Here’s our root cause analysis, or here’s, uh, a much better way of doing, uh, our health and safety program has worked much better for us. Here’s what we gain from it, or whatever happens to be. And then one moderator to ask them some questions, pick apart. So this part, how to, uh, and get a bit of a, a flow there. So, and it’s much shorter. Instead of an hour long, it’s only a half hour. So then you don’t have to sit through two people. You don’t care about to listen to the one person that you do is the intent of these, uh, lessons learned? I,  Joel Saxum: I do really like the concept simply because when I go to an event or like, um, putting something together, I want people to be able to go. Learn something, take it back to their respective [00:13:00] organization, be able to implement it tomorrow. And it sounds like you guys are really moving towards that with the lessons learned, the collaboration and the knowledge sharing.  Mathieu Cōté: That’s, that’s the intent. And that, and that’s really what it is, is I, I’m, I think I’m a smart guy, but I don’t have all the answers. So we’re really trying to shine a light on the people who do, and like, here’s a thing that the industry as a whole should learn about. And give them some time to talk about it. And like you say, then you’ll get some of those conversations in the margins and in in between going, yeah, this guy had this thing to say. We get that sort of dialogue going. That’s, that’s the intent. It’s all about, uh, discussions and learning from each other.  Joel Saxum: To me, it sounds like even, um, for lack of a, maybe a trip to get some poutine and maybe an American, American should go out there and listen to some of the stuff you guys have to say as well. Mathieu Cōté: Honestly, it’s, it’s worth it for, uh, Americans to come by and we do have a significant number, proportion of the, the audience comes from the states as well. Because like you say, it’s, it’s worth it and it’s good information and it’s a good [00:14:00] portion of the thing. And it’s really not that far. And I mean, um, not to put it lightly, we do tend to lean a little heavier on some of the more, uh, Canadian elements like weather. Like we do have a panel this year, um, on the solar side, solar operations and adverse conditions. And that one, um. Because that one came from, uh, I know a guy at, uh, natural Resources Canada, who was part of a working group at the International Energy Agency in their photovoltaic power systems group, where they came up with, uh, a report on operations in all kinds of adverse conditions around the world. So he’s gonna present that report and we’ll have a panel discussion. The other panelists there, we’ve got, um. Ben Power, the CEO of ves, who is the number one installer of solar in the Yukon, right next to Alaska. So they know a lot about adverse conditions and then, uh, polar racking, they’ve got a lot of experience, uh, with that sort of thing too. And they’ve got some data that they’re gonna bring to the [00:15:00] panel as well. So it should be a really good discussion about how do we deal with bad things happening in solar specifically.  Allen Hall: Well, sure. Uh, Canada’s been running assets a lot longer than we have been in the States. In fact, to Joel’s earlier point, we’re repairing. Disassembling putting new stuff up all the time. Canada has been more focused on keeping existing equipment running in some crazy, harsh conditions. The US is moving that way. You wanna know about ice? We could tell you about ice. Exactly. Like how many times has the US run into trouble with icing on wind turbines and we should have been talking to, or her neighbors through the north, but in a lot of cases, yeah. The I, I find that the time I went. I learned a whole bunch about Canadian operations, how to think about some of these problems differently. That was the beauty of a attending a Kria event, and I know there’s gonna be a lot of people attending this event. Who is it for in general? Obviously [00:16:00] it’s for operators, but is there some value here for like asset managers? Some of the engineers, some of the service providers,  Mathieu Cōté: yeah. That our, our core market, if you want, is your site managers and your technical people, but engineers, 100%, they will learn something. Your asset managers will definitely have some value in it, whether it’s learning about the technology or learning about, uh, the, the latest things coming out or even just. Best practices from other folks, right? We’ve also got, uh, more and more we’re getting people from the insurance industry getting involved because some of these, uh, lessons learned and so on, is really valuable to them. And we’re even running, um, if, if people are in insurance, we have a special meeting for insurance. The, the day before where we’ll be having a, a dialogue between the insurance industry and the operators and like, here’s how we deal with this. This is why the prices are that. And, uh, talk about that risk transfer type stuff. There are the odd developer who comes out. Um, but it’s more for the, [00:17:00] like, once it’s in the ground, the technical people, uh, the tooling manufacturers, the service providers, the, all, all of those folks. Joel Saxum: What about ISPs? Oh, a hundred percent. We know quite a few ISPs up in Canada. Every one of them that I’ve talked to is coming. So ev I’ve had the conversations and like I, you know, we’re, we’re doing some other things in February as well around here, and I was, Hey, what are you guys? Oh, we’re all going to the Candry Ops summit. We’re going to the Candry Ops summit, so to Toronto and February. Um, bring your warm jacket. I suppose it could be cold. Yeah, the, the ISPs will be there in, in full force. And so I think that. To me, it’s like the, the, the cousin to the A-C-P-O-M-S. We like OMS in the states because that’s where the real discussions happen around operations and maintenance. Mathieu Cōté: The technical stuff happens. Yeah. And it, I like to say it’s the, the, the younger cousin, if you will, and the maple syrup cousin.  Allen Hall: Well, I do think though, that when we’re at, uh, o, M and S Joel, that [00:18:00] those discussions are a little bit different than what I see up at Kria. Like Kria is a. Community OMS is, yeah, we, we all know one another and maybe it’s just there’s this, a bigger event or more people, but it, I don’t feel the sort of connection I do when I’m at Kria. Like I know the people, I understand what’s going on at Kria. That’s what makes it fun that I get to see people that I, I know once in a while, but at the same time there is a huge, massive amount of. Sharing  Mathieu Cōté: that community that you speak to, that that’s really what we’re trying to, to gather in. And there’s a difference of scale too. I mean, uh, the OMS is like 3000 people and we’re three to 400. So there, there’s a difference there. But that sort of intimacy leads to a fair bit more of that sharing that you’re talking about and like that Oh yeah, there’s that guy. Oh, there’s Derek from Capstone, or there’s Dan from EDF or there, you know, and then you. You run into them and then you, you catch [00:19:00] up on all the latest and, um, what’s going on, how are things going? And so on and so on. And there’s time for all of that in the, in the two day show that we have.  Joel Saxum: Well, I think collaboration in a smaller, like the right size group is, is much easier and flows better. Right? Once you get to that thousand two, three, 4,000, it’s like, yeah, you’re there, you’re seeing the people, but like it’s just not the same.  Mathieu Cōté: Et c is somewhere around 3000 people and it, it, it’s got that heft. It’s a different audience as well. Right? The o and m crowd isn’t there as much. It’s not quite as technical, so it it, it’s a speaking to a different group of people. Allen Hall: Well, Canada is on a growth spurt for renewables. There’s a lot of wind energy  Mathieu Cōté: headed up towards Quebec. There are procurement’s open right now in Quebec, Nova Scotia, new Brunswick. Uh, Ontario, BC and Manitoba  Joel Saxum: Plus, what was it? Fi what was it? Five offshore lease areas off of Nova Scotia.  Mathieu Cōté: Yeah, they’re looking at up to five gigawatts offshore in Nova Scotia. We don’t have [00:20:00] any yet in Nova in, uh, offshore. And there’s some, they need to figure out what the offtake is and where the transmission goes. Uh, but there’s a lot of people working in the background on MA putting that together. So it’s growing. Oh, a hundred percent. It’s growing and across the board, right. And the. Wind or solar or storage or all three. And that, that a lot of the, the procurements these days are starting to move in a direction of, uh, sort of a technology agnostic where they say, we need megawatts. We don’t care how you make them. We just want electricity. Well, electricity, uh, but also electricity capacity. So in the one case we figure wind and solar will do quite well, and in the other we’ll figure the battery storage will do quite well. So no matter what and in the timelines that they’re asking for, we’re looking at if you want it in the next five years, it’s probably gonna be wind and solar because anything else is gonna be a seven plus year timeline to get into the ground. So [00:21:00] there, there’s a lot. There’s a lot coming.  Allen Hall: Well, up to 20% of the energy, electricity in Canada nationally is gonna be generated by renewables in less than 10 years.  Mathieu Cōté: Canada’s split up a lot, remember like, and Quebec is already at 90 plus with their hydro and bc same thing.  Joel Saxum: And I, and I think that that’s something to be, to be shared as well here is from an o and m standpoint. The, the varied geographies of Canada and how spread apart it is, there’s specialized knowledge up there to, to, to, you know, till the cow come home. So it’s a great place to go and learn. I would encourage people, hey, if you’re, if you’re in anywhere around Michigan, the Great Lakes Toronto’s a three hour drive. Go there, do the conference and learn something,  Mathieu Cōté: and hey, we’re right next to the airport. It’s quick flight. Almost anywhere from North America, right? So Toronto’s easy to get in and  Allen Hall: out of, and this is gonna be a great event. The Can Operators Summit. It’s February 11th and 12th at the Delta Hotel by [00:22:00] Marriott, Toronto, right at the airport. So you, you can’t miss it. It’s easy to get in, easy to get out. You’re gonna have a great time. Matt, how do they connect and register for this event?  Mathieu Cōté: We have a registration link that I’m sure we’ll put somewhere. Um, or come to our website, kenia.ca?  Allen Hall: Yeah, just Google Can Operator Summit. That’s what I did. And that takes you right to the registration. Get signed up there. It’s inexpensive in Toronto is a really cool city. February 11th and 12th. At the Delta Hotels by Marriott, right at the airport. The Canary Operator Summer is going to be a lot of fun. Matt, thank you so much for being on the podcast. Really enjoyed having you. Well, thanks for having [00:23:00] me.

When the news stated to filter out about the Jets potentially being involved in next season's Heritage Classic it immediately spawned the conversation about who would be participating in the alumni game. It wasn't even confirmed until early December that they were in but that didn't stop the speculation.Worth noting that an alumni game wasn't even mentioned as potentially part of the festivities.This will be the third time Winnipeg has been involved and the second time they've hosted in Manitoba. Back in 2016 they played the Oilers with both an alumni game and a regular season contest. In 2019 when they took on the Flames in Regina it was just a regular season one.Today, the team the preliminary Jets alumni roster.

Lots of excitement in Manitoba for the Heritage Classic in October of 2026 when the Jets host the Canadiens. Before the game between Winnipeg and St. Louis at CLC we heard from Jets alumni captain Blake Wheeler and Habs alumni captain Mike Keane and learned who would be on the preliminary roster.

Prime Minister Mark Carney tells world leaders in Davos, Switzerland, middle powers like Canada must take a stand against hegemony. Manitoba premier Wab Kinew says Churchill is Canada's "only hope" if US President Donald Trump acquires Greenland. Carney government says deal to reduce tariffs on thousands of Chinese electric vehicles will not threaten national security. New study suggests 3 species of Antarctic penguin are shifting breeding seasons in record speed. Researchers find DDT in fish in Yukon, 40 years after the pesticide was banned in Canada.

241 - Boy Golden In episode 241 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with singer/songwriter and producer Boy Golden aka Liam Duncan. In their conversation Liam describes his upcoming tour schedule in Canada and growing up in rural Manitoba in the cold. Liam talks gear, his guitars and amps and his collection of Russian microphones and a special guitar labeled Garnet after the amp maker. Liam tells us about his earlier band “the Middle Coast” before he went out as Boy Golden and he explains the Boy Golden moniker. Liam talks about his time as the keyboardist for the Bros. Landreth and his influences early on. Liam discusses his new album “Best of Our Possible Lives” and the personal on the album and he also describes his home studio. To find out more about Boy Golden you can go to his website: boygolden.ca Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #BoyGolden #theMiddleCoast #LiamDuncan #Manitoba #theBrosLandreth #YamahaGuitars #JamesPatrickRegan #BestofOurPossibleLives #theDeadlies #HomeStudio #haveguitarwilltravelpodcast #HGWT #tourlife Please like, comment, and share this podcast! Download Link

Lori Payne is a visionary leader, consultant, and founder of Project Blue World. Driven by the Blue Zone theory of longevity and happiness, she spearheads global initiatives from Winnipeg to foster quality of life, sustainable energy, and community development. Through international collaboration, Project Blue World empowers citizens and leaders alike to create positive, lasting change locally and worldwide. https://youtu.be/eTGQ7kbPlVU In this episode of Marketer of the Day, Lori Payne discusses Project Blue World's mission, the science and inspiration behind Blue Zones, and strategies for linking happiness, longevity, and sustainability. Lori shares insights from energy transformation projects in Manitoba and beyond, including innovative uses of hydro and biofuels, global partnerships, and the critical need for clarity in information. She highlights community-driven initiatives, avenues for direct involvement, and how anyone can contribute to a healthier planet while achieving growth and development goals. Quotes: “Project Blue World is about changing the world, project by project, country by country, so every citizen can achieve happiness and quality of life.” “We have the brains and technology, and the global commitment, to maintain our planet's atmosphere and ensure future generations thrive.” “There's so much being done behind the scenes. When knowledge is shared, and collaboration happens, communities and leaders can create real impact.” Resources: Visit Lori Payne's Website Connect with Lori Payne on LinkedIn

Why is Manitoba's Premier trying to get John Cena's attention?  Will Montreal fans leave Saturday Night's Main Event happy next weekend? Does London REALLY have a hope of getting a WrestleMania?  Plus, was TNA's premiere on AMC as bad as the internet is saying?  We cover all these topics and more this week! Join Mike McGuire with guests Dave Meltzer and Joe Aguinaldo to go over the week in wrestling, including all those stories, plus results from TNA's Genesis Pay-Per-View, an update on Powerhouse Hobbs, MJF v. Bandido and a preview of this week's WWE from Ireland and Eastern Canada! Also, a list of upcoming events Celebrate Wrestling will be present at or supporting in Western Canada and more! For more on our shows, visit celebratewrestling.com  

Triolet Percussion Group (Kristie Ibrahim, Gina Ryan, and Victoria Sparks) stop by to talk about their performance of Jessie Marino's “The Flower Episode” at PASIC50 (04:15), the Canadian Percussion Network, the Space Between conferences, and more about how Triolet got together as a group (21:30), and updates with the new building at Victoria's University of Manitoba, as well as updates with Kristie and Gina and the Sixtrum and Strasbourg Percussion Groups (46:30).Finishing with a Rave on the 1997 film Selena (54:50).Triolet Links:Triolet's PASIC50 pageTriolet's webpageKristie Ibrahim on the podcast in 2024Victoria Sparks on the podcast in 2016Victoria Sparks on the podcast in 2018Gina Ryan's websiteThe Canadian Percussion Network's websitePrevious podcast guest mentioned:Michael Schutz in 2025Other links:Fabrice MarandolaSixtrum PercussionLes Percussions de StrasbourgMichael GordonTransplanted Roots Percussion Research SymposiumSocial Sciences and Humanities Research CouncilRaves:Selena Trailer

Jan N. DeFehr is an associate professor in the Faculty of Education at the University of Winnipeg and an associate of The Taos Institute and a member of the Faculty for Palestine, Manitoba. She is also a member of the York University Mad Studies Hub. Before entering academia, she spent many years as a clinical social worker, working alongside people who were trying to make sense of their distress within, and often in spite of, the mental health system. Her teaching, research, and course development focus on building public access to critical analyses of that system, drawing on the work of clients and survivors of psychiatry, practitioners, and scholars. Her new book, A Critical Mental Health Primer: Towards Informed Choice in Social Services, Education, and Healthcare(Canadian Scholars, 2025), offers a clear and accessible map of critical mental health scholarship. The book examines scientific critiques of diagnosis, the potential harms of psychiatric labels, the lack of transparency and procedural justice in services, anti-colonial critiques of mental health premises and practices, and the evidence on psychiatric drugs and the DSM. It also gathers non-pathologizing ways of helping that center relational, dialogical, anti-oppressive, and anti-colonial approaches, along with concrete tools for informed choice and everyday support outside of the dominant medical model. In our conversation, we talk about how Jan came to adopt critical perspectives, why she sees access to critical mental health knowledge as a prerequisite for ethical practice, and what it looks like when organizations take informed choice seriously. We move through the key chapters of the book, explore its implications for social workers, educators, and health professionals, and look at how communities can build forms of care that do not depend on diagnosis or coercion. *** Thank you for being with us to listen to the podcast and read our articles this year. MIA is funded entirely by reader donations. If you value MIA, please help us continue to survive and grow. https://www.madinamerica.com/donate/ To find the Mad in America podcast on your preferred podcast player, click here: https://pod.link/1212789850 © Mad in America 2026. Produced by James Moore https://www.jmaudio.org

This week in Bitcoin and global current events:SAYLOR VS KNOWLESWhat Bitcoin Did Got HOT When Saylor Couldn't Handle a Basic Question - Is Saylor Cooked?

Welcome back ragers to the best movie review podcast on the planet. The rage rolls on from the Film Rage Studio. This week the Film Rage Crew went to three films in cinema. First we discuss Is This Thing On? with Will Arnett cracking wise onstage. Then The Mother and the Bear showcases beautiful Winnipeg, Manitoba. And finally the best Lucy Liu has ever been in Rosemead... according to Jim. C'mon Jim, she was pretty good in those Charlies Angels movies. Then it is the return of the Rage or Dare segment as the boys were forced to watch the 2005 version of The Fog. Introduction-0:00 Murman Predicts-1:26 In Cinema Is This Thing On? (2025)-5:22 The Mother and the Bear (2025)-18:29 Rosemead (2025)-29:26 Murman Minute-35:24 Open Rage Jim's Open Rage- Creepy commercial-47:17 Bryce's Open Rage- Popcorn ceiling-51:04 Rage or Dare The Fog (2025)-54:00 Bryce pulls from Jim's goodie bag-1:07:20 Outro-1:09:09 Thanks Ragers for listening to our film review podcast. Rage On! https://www.filmrageyyc.com/ https://filmrage.podbean.com/ https://www.facebook.com/filmrageyyc https://nerdyphotographer.com/social/ https://www.leonardconlinphotos.com/

Maintaining good air quality inside a chicken barn, especially during Prairie winters, is critical for egg production and bird comfort, but it comes with significant energy demands and costs. A newly-renovated laying hen barn in southern Manitoba features several technologies aimed at delivering cost savings over the long term through energy efficiency. As part of... Read More

On this episode of The Agronomists, host Lyndsey Smith is joined by Dr. Yvonne Lawley of the University of Manitoba, Callum Morrison of Manitoba Agriculture, and Marty Vermey of the Grain Farmers of Ontario, to discuss a large-scale cover crop survey currently underway, five years after the first. What have we learned? How have the... Read More

The rate at which grain farming costs have escalated over the last five years is more than double Canada’s overall inflation rate, according to analysis looking at Manitoba farmers' costs. Both the Bank of Canada's inflation calculator and Statistics Canada's Consumer Price Index gauge inflation from 2020 to 2025 at around 20 per cent. However,... Read More

Welcome to RealAg Radio with your host Shaun Haney! For this Tuesday show, Haney is joined by: Ted Sefried of Zaner Ag Hedge on the Bearish USDA report; Charlotte Greenshields of CANTERRA Seeds for a spotlight interview; Craig McLaughlin of the Beef Farmers of Ontario on pushback on new traceability rules; Darren Bond of Manitoba... Read More

Welcome to RealAg Radio with your host Shaun Haney! For this Tuesday show, Haney is joined by: Ted Sefried of Zaner Ag Hedge on the Bearish USDA report; Charlotte Greenshields of CANTERRA Seeds for a spotlight interview; Craig McLaughlin of the Beef Farmers of Ontario on pushback on new traceability rules; Darren Bond of Manitoba... Read More

Interview with Keith Boyle, Director & CEO of New Found GoldOur previous interview: https://www.cruxinvestor.com/posts/new-found-gold-tsxvnfg-high-grade-strategy-meets-near-term-cash-flow-8695Recording date: 9th January 2026New Found Gold is executing a comprehensive transformation from pure exploration company to emerging gold producer, driven by a complete leadership overhaul and strategic acquisitions designed to accelerate the path to cash flow.The most significant change began with a complete board renewal in December 2024, followed by the appointment of CEO Keith Boyle in January 2025. "They brought me in January of 25, the mandate being let's get the gold, let's get to production," Boyle explained. "We were an exploration company and had been doing that for five years since discovering the Queensway deposit and so it was time to make that shift."The new leadership team brings proven operational credentials. Chief Operating Officer Robert Assabgui previously served as VP of Hudbay's Manitoba division, where he brought the Lalor mine into production. CFO Hashim Ahmed brings project financing expertise from Mandalay Resources and Jaguar Mining. The board now includes former Newfoundland Premier Andrew Furey and experienced mining executives Tamara Brown, Chad Williams, and Allan Palmir.A pivotal strategic move was acquiring Maritime Resources' Hammerdown mine and milling facilities. Hammerdown is targeting steady-state production by mid-2026, providing near-term cash flow that will reduce external financing requirements for the flagship Queensway project. "At these gold prices, it really is going to help us in being able to manage the amount of money that we have to raise externally," Boyle noted.For Queensway, the company released a mineral resource estimate and preliminary economic assessment in July 2025, which helped secure $87 million in financing. Final Investment Decision is targeted for H2 2026, with environmental assessment submission planned for Q1 2026. The company expects favorable permitting timelines in mining-friendly Newfoundland, potentially enabling construction commencement in late 2026.Despite the production focus, New Found Gold maintains aggressive exploration commitments. "We still want to keep the drill bit turning to find that game-changing, that Swan Zone, that next big one, because it will create that additional value for us," Boyle emphasized, highlighting the camp-scale potential of the land package.View New Found Gold's company profile: https://www.cruxinvestor.com/companies/new-found-goldSign up for Crux Investor: https://cruxinvestor.com

Owen Reimer is based in Steinbach Manitoba, a small town in Manitoba. Like many communities, there is a shortage of housing and a shortage of new housing in particular. On today's show we are talking about how to maintain costs under control. To connect with Owen, visit https://www.stoneshorecapital.com/---------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

A Minnesotan tells us she has no choice but to keep monitoring ICE operations in Minneapolis, particularly after an agent shot and killed Renee Nicole Good yesterday. But she says she won't be using her car to block them.A Canadian senator says it's time for the Government of Canada to get off Elon Musk's social media platform – amid new allegations that its AI chatbot is creating images of child pornography. The Chief of the Pimicikamak Cree Nation says he's finally been able to show Manitoba government officials the extent of the damage after a days-long power outage -- but it hasn't lessened his anger or anguish.Botanist Martin Cheek returns to the program to reveal his Royal botanic garden's annual list of the top 10 new plants and fungi.A New Jersey cheesesteak restaurant needs you help! The bar's beloved conversation piece -- which happens to be a walrus penis bone -- was just stolen.We'll meet the self-proclaimed ambassador for the polka-centric instrument that Germany is officially celebrating this year.As It Happens, the Thursday edition, Radio that rarely goes accordion to plan.

On this week's episode Zoë and Logan are taking one for the team and heading to Manitoba by way of TUSK (2014). Join them as they unpack this cautionary tale of the dangers of male podcasters, faux intellectuals, and Johnny Depp in a prosthetic nose. — Theme music by Greg Morrison. Visit Our Website: www.honestlypod.ca Email Us: thehonestlypodcast@gmail.com Follow us on Instagram: www.instagram.com/honestlypod Like us on Facebook: www.facebook.com/honestlypod Follow us on Twitter: www.x.com/honestlypod Keep up with us on Letterboxd: letterboxd.com/honestlypod/ Honestly?! A Horrorcast is available on SoundCloud, Apple Podcasts, Spotify, and wherever you get your podcasts!

An idealistic teenager gets the chance to fulfil his long-held dream of living off-grid for an entire year. But when David Scott and his friend arrive deep in the wilderness of Manitoba, a nightmare scenario unfolds. Unable to locate their cabin - the only shelter for 120 miles - they are totally exposed. With civilisation unreachable, their only hope is to venture deeper into the woods and find the elusive cabin before it's too late…   A Noiser podcast production. Hosted by John Hopkins.   Written by Heléna Lewis | Produced by Ed Baranski | Assistant Producer: Luke Lonergan | Exec produced by Joel Duddell | Sound supervisor: Tom Pink | Sound design by Matt Peaty | Assembly edit by Rob Plummer | Compositions by Oliver Baines, Dorry Macaulay, Tom Pink | Mix & mastering: Ralph Tittley.   For ad-free listening, bonus material and early access to new episodes, join Noiser+. Click the subscription banner at the top of the feed to get started. Or go to noiser.com/subscriptions   If you have an amazing survival story of your own that you'd like to put forward for the show, let us know. Drop us an email at support@noiser.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Russia accuses United States of Breaking the Law of the Sea after US military seized 2 oil tankers linked to Venezuela for alleged sanctions violations. European leaders to discuss US threat to take over Greenland. A winter storm is upending the lives of millions of people in Europe A delegation of politicians to visit Pimicikamak Cree Nation in Manitoba, as the community asks for military assistance to help with a power outage and frozen critical infrastructure. Researchers say overall crime rates plateaued or declined in Toronto neighbourhoods with supervised injection sites. Nick Reiner to be arraigned on murder charges today in the deaths of parents Rob Reiner and Michele Singer Reiner. Today marks one year since the deadly Los Angeles fires that killed more than 30 people.

In British Columbia where multinational corporations have controlled salmon farms for decades – they are now under a deadline to leave. The Canadian government has told them to get out of the ocean by 2029. Many people can't believe they even want to stay. Climate change is causing all sorts of problems – warm water spawning algae growths, rampant sea lice infestations and diseases. Some farms have lost hundreds of thousands of fish in die offs.John Holder has been designing land-based fish farms all over the world for twenty-five years. He doesn't believe the ocean open-net farms have a future anywhere.“The climate is going to force them off the ocean”, Holder said.The companies – Mowi – Cermaq and previously Grieg - say they can't move because there is no available land, no reliable sources of water and electricity in B.C.But John Holder with his partner Rob Walker have found land and are developing two land-based farms in the province. Walker says land-based farms are operating all over the world growing salmon, trout, arctic char, tilapia and more. They provide food and a small income to family growers. In Canada Holder says he is helping First Nations who are embracing land-based fish farms in Alberta, Saskatchewan, Manitoba, Ontario. But not in B.C. – not yet. Hosted on Acast. See acast.com/privacy for more information.

United States armed forces have captured Venezuelan President Nicolas Maduro and his wife...after carrying out an overnight assault on the capital, Caracas. Its a stunning culmination of a months long standoff between the two countries. President Donald Trump now claims the country of Venezuela is being run by the U.S.. We have extensive coverage of the days events - including reaction from around the world.Also: Power has been restored to Pimicikamak Cree Nation in Northern Manitoba, after a four day outage, But the damage to the community is significant...and thousands of evacuees are still out of their homes. And: For climate advocates all over the world, 2025 wasn't easy. As the U.S. pulls out of global climate diplomacy and turns more towards fossil fuels - Canada is considering new pipelines and new resource projects. All while attention is shifting away from its decade-long climate plan. So what's there to look forward to in 2026 when it comes to fighting the climate crisis?Plus: Swiss bar fire investigation opened, earning money with an EV charger, and more.

Holiday Cheer & Border Patrol – keeping Canadian fans homeHockey World Junior Championships Minnesota, close to Saskatchewan, Manitoba, AlbertaGames not 1/3 full at ChampionshipsSome game stands appeared completely emptyRoberto Clemente 21Died on New Years Eve while performing a humanitarian service to earthquake victimsRoberto Clemente Foundation continues to serve those in need https://robertoclementefoundation.org/ Why did Robert Clemente wear number 21 as his numberFamily members in the game together - Joe Torre & Frank Torre; Wilson & William Contreras; Austin & Parker Meadows; Kyle & Preston TuckerKyle Tucker Free Agent - SF Giants could be a great fit for Kyle TuckerCould Rays bring on Kyle Tucker Rays productive bats - Caminero, Diaz & ArandaHave Tucker on team when Rays open new stadiumBo Bichette from St. PeteSour Lemons – how to make Baseball LemonadeNolan Arenado leaving St. Louis – change should be goodArte Moreno & Angels outlookNolan Arenado, Cardinals & the Angels – what sours a team?Angels brought Ron Washington, Travis d'Arnaud, Soler & still no positive vibeAngels - ineffective job developing players in minor league affiliates"Losing breeds Losing" Angels not building up their AA minor league talentArte Moreno & Stu Sternberg conversation?A plethora of mercenariesHome sales market dropping in Florida applies to the Rays, How does that impact Real Estate mogul & Rays owner balancing his Dream Home business with RaysGive new ownership some leeway as they come in with so many changes including finding a location for a new stadiumWBC – World Baseball Classic & MLB Spring TrainingMLB teams have 5 weeks to determine their roster before Spring Training & WBC startingOff Season & baseball activities and collectibles$7,475 for Ty Cobb dentures. High value for paint on a canvas Jerseys & memories1 collector bought a jersey from every player on his favorite teamCeramic Cows Framing Evan Longoria for $20  – work project – Jersey, plexiglass and wood New Years resolutions Increase Women baseball shows, Don't do bad things, Craig Calcaterra “be better critical thinkers”Need on political landscape for a more factual and not reactionary responseNew & more frequent YouTube contentKansas City Royals & the Kansas City ChiefsChiefs may move from Missouri to KansasRoyals Kauffman Stadium adjacent to Chief's Arrowhead Stadium2031 Royals Kauffman stadium contract expires & Chiefs move into new stadiumTime to consider making a change to their names – Kansas MonarchsTop 10 Worthwhile projects for positives in the world including The Ocean Cleanup Remember the Season of Giving & Positive ChangeThe Ocean Cleanup – https://theoceancleanup.com/ effective change to remove plastics from rivers and the oceansWe are headed in the right directionby 2031 “they will have rid the oceans of about 70 to 80% of the plastics that are in there right now”  Find Mat at @matgermain.bsky.social or reach Mark @  baseballbizondeck@gmail.com BaseballBiz on Deck, @ iHeart Apple, Spotify, Amazon Music, & at www.baseballbizOnDeck.com  Special Thanks to XTaKe-R-U-X for the music Rocking Forward

Daily ELEVATION PRAYERSMondays – FridaysMeeting ID: 816 5555 2739 Password: JESUSJoin Here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠PST (Pacific Standard Time) – 4 A.M. (Vancouver, Los Angeles)MST/CT (Mountain Standard Time / Central Time) – 5 A.M. (Alberta, Saskatchewan, Denver)CST (Central Standard Time) – 6 A.M. (Texas, Manitoba, Chicago)EST (Eastern Standard Time) – 7 A.M. (Toronto, New York)AST (Atlantic Standard Time) – 8 A.M. (Halifax)NST (Newfoundland Standard Time) – 9:30 A.M. (Newfoundland)WAT/GMT (West Africa Time / Greenwich Mean Time) – 1 P.M (Nigeria, United Kingdom)EAT (East Africa Time) – 3 P.M. (Kenya)GST (Greenwich Standard Time) – 4 P.M. (UAE)

Israel may stop dozens of aid organizations from delivering much needed supplies to people in Gaza if they fail to satisfy new personal data requirements.And: Pimicikamak Cree Nation in Manitoba has been without power or clean water since Sunday and the lights may not come back on until the new year.Also: Hockey Canada has announced a men's hockey team roster that will take on the best in the world in February's Olympics in Italy. NHL players are once again eligible to play for the first time since 2014.Plus: For the second time in as many years, a major water main in Calgary has ruptured and parts of the city are under a boil water advisory. And thousands of civil servants may not be celebrating the New Year as major government job cuts loom.

Daily ELEVATION PRAYERSMondays – FridaysMeeting ID: 816 5555 2739 Password: JESUSJoin Here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠PST (Pacific Standard Time) – 4 A.M. (Vancouver, Los Angeles)MST/CT (Mountain Standard Time / Central Time) – 5 A.M. (Alberta, Saskatchewan, Denver)CST (Central Standard Time) – 6 A.M. (Texas, Manitoba, Chicago)EST (Eastern Standard Time) – 7 A.M. (Toronto, New York)AST (Atlantic Standard Time) – 8 A.M. (Halifax)NST (Newfoundland Standard Time) – 9:30 A.M. (Newfoundland)WAT/GMT (West Africa Time / Greenwich Mean Time) – 1 P.M (Nigeria, United Kingdom)EAT (East Africa Time) – 3 P.M. (Kenya)GST (Greenwich Standard Time) – 4 P.M. (UAE)

Looking back at more of our favourite stories from 2025:Putting truth and reconciliation into practice: a special program in Manitoba teaches teachers ways of integrating the concepts into their classroom. And a sacred pipe is returned to a Saskatchewan First Nation after 135 years.And: As climate change heats up the air and dries out the ground, wine makers turn to methods both high-tech and ancient to protect their vineyards.Also: In small towns in Ontario and Quebec, hockey is a big deal. The Northern Premier Hockey League boasts professional quality hockey — including retired NHL players — played not for money, but for the love of the game.Plus: Medical schools try new ways of attracting and training future doctors, the need to keep young people in a popular retirement destination, a hospital drama brings an overlooked group of medical workers to the screen, and more.

The Canadian Museum for Human Rights in Winnipeg was built to educate Canadians about stories of global injustice. Yet in the more than 10 years since it opened, it has not meaningfully acknowledged the dispossession of Palestinians in 1948 that resulted from the founding of Israel. But now the CMHR has announced an exhibit titled Palestine Uprooted: Nakba Past and Present to launch next year. Jonah Corne is an associate professor in the department of English, Theatre, Film and Media at the University of Manitoba. He joins us to talk about the significance of this move.

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In this NBN episode, NBN host Hollay Ghadery speaks with acclaimed Manitoba author David Elias about his new novel, Into the D/Ark (Radiant Press, 2025).  Rose Martens struggles with the aftermath of a terrible fire that has left her sons, Jake and Isaac, horribly disfigured. The boys have gone to live in an abandoned house they've named Bachelor's Paradise, where they spend all their time watching American network television. Their father Clarence works day and night in his blacksmith shop, producing bizarre metallic creations no one can make any sense of. Martha Wiebe returns to the stifling conformity of the valley to discover that her brother Abe, a preacher, has abandoned his congregation to devote himself to the construction of “The Ark”, a massive and mysterious edifice whose purpose he will not divulge. When the first major snowstorm of the year roars into the valley, it unleashes a chain of bizarre events that the valley may never recover from. About David Elias: David Elias is the author of seven books, most recently The Truth about the Barn: A Voyage of Discovery and Contemplation, published by Great Plains Publications. It was featured in the Winnipeg Free Press as one of the top titles for 2020. His most recent work of fiction is an historical novel, Elizabeth of Bohemia: A Novel about Elizabeth Stuart, the Winter Queen. It was published in 2019 by ECW Press, and was a finalist for The Margaret Lawrence Award for Fiction at The Manitoba Book Awards. His previous works have been up for numerous awards including the McNally Robinson Book of the Year, the Amazon First Novel Award, and The Journey Prize. His short stories, novel excerpts, and poetry have appeared in literary magazines and anthologies across the country, and in addition to writing he spends time as a mentor, creative writing instructor, and editor. He lives in Winnipeg, Canada. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Episode 239 has a focus on memories shared with my brother Bill, who passed two years ago – I hope you'll enjoy the reminiscing.  Plus you can't have cannabis samples in Manitoba and some success at cannabis substitution for alcohol.  We visit Cultivar Corner, brought to you by Up In Smoke, and we go back to Pure Sun farms and their version of Blue Dream #16.Samples not allowed in ManitobaCannabis replacement for alcohol.Blue Dream #16  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this NBN episode, NBN host Hollay Ghadery speaks with acclaimed Manitoba author David Elias about his new novel, Into the D/Ark (Radiant Press, 2025).  Rose Martens struggles with the aftermath of a terrible fire that has left her sons, Jake and Isaac, horribly disfigured. The boys have gone to live in an abandoned house they've named Bachelor's Paradise, where they spend all their time watching American network television. Their father Clarence works day and night in his blacksmith shop, producing bizarre metallic creations no one can make any sense of. Martha Wiebe returns to the stifling conformity of the valley to discover that her brother Abe, a preacher, has abandoned his congregation to devote himself to the construction of “The Ark”, a massive and mysterious edifice whose purpose he will not divulge. When the first major snowstorm of the year roars into the valley, it unleashes a chain of bizarre events that the valley may never recover from. About David Elias: David Elias is the author of seven books, most recently The Truth about the Barn: A Voyage of Discovery and Contemplation, published by Great Plains Publications. It was featured in the Winnipeg Free Press as one of the top titles for 2020. His most recent work of fiction is an historical novel, Elizabeth of Bohemia: A Novel about Elizabeth Stuart, the Winter Queen. It was published in 2019 by ECW Press, and was a finalist for The Margaret Lawrence Award for Fiction at The Manitoba Book Awards. His previous works have been up for numerous awards including the McNally Robinson Book of the Year, the Amazon First Novel Award, and The Journey Prize. His short stories, novel excerpts, and poetry have appeared in literary magazines and anthologies across the country, and in addition to writing he spends time as a mentor, creative writing instructor, and editor. He lives in Winnipeg, Canada. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/literature

Jimmie Kilpatrick returns to discuss his excellent album Jimmie, the heartening experience of living in Manitoba, Canada these days and concentrating on his community, why he retired his Shotgun Jimmie name, bringing his sound sculpture work into his indie-rock aesthetic, collaborating with Ladyhawk's Ryan Peters and messing around with tape loops, making subversive pop music, numerous lyrical references to analog and communication technology and falling asleep, keeping a little too busy, touring with the Burning Hell and alluding to Joni Mitchell, pondering work with John Samson Fellows, other future plans, and much more.EVERY OTHER COMPLETE KREATIVE KONTROL EPISODE IS ONLY ACCESSIBLE TO PATREON SUPPORTERS STARTING AT $6/MONTH. This one is fine, but if you haven't already, please subscribe now on Patreon so you never miss full episodes. Thanks!Thanks to the Bookshelf, Planet Bean Coffee, and Grandad's Donuts. Support Y.E.S.S., Pride Centre of Edmonton, and Letters Charity. Follow vish online.Related episodes/links:Ep. #957: The Burning HellEp. #944: Bonnie “Prince” BillyEp. #911: Richard Laviolette's ‘All Wild Things Are Shy'Ep. #910: The Hard QuartetEp. #857: Michael FeuerstackEp. #850: You've Changed Records is 15!Ep. #740: Dry CleaningEp. #682: Steven LambkeEp. #673: Sonic YouthEp. #502: Shotgun Jimmie! Thrush Hermit!Support this show http://supporter.acast.com/kreative-kontrol. Hosted on Acast. See acast.com/privacy for more information.

Brethren, this Short Talk Bulletin Podcast episode was written by MW B. Stuart Parker, PGM – Manitoba, and was first delivered to a Communication of the Grand Lodge of North Dakota. Here, MW Bro Parker should like to attempt to sketch out his concept of the true heart of the Fraternity, the source of the power that Freemasonry has to develop such an intense loyalty in the hearts of the husbands and fathers and sons who are its members. Enjoy, and do share this and all of these Podcast episodes with your brothers and your Lodge.

Episode 125 is a conversation with Emma Brackett and Olivia Bledsoe - half of the team of paddlers known as the Hudson Bay Girls. In 2025 this group of four women successfully paddled and portaged their canoes over 1,300 miles, from Grand Portage on Lake Superior all the way to York Factory on Hudson Bay. The journey took them 80 days and followed the historic fur trade route along the Border Country to Lake of the Woods, and then north to Lake Winnipeg, the Hayes River and on to the Arctic Ocean. Emma and Olivia share their insights about 12 hour portages, team travel, navigating high water and low water, tackling the Grand Portage, Manitoba and Ontario wildfires, and how trust in teamwork got them through the many challenges of their journey. To learn more about Hudson Bay Girls visit: www.hudsonbaygirls.com

Shaun Heinrichs, president and CEO of 1911 Gold (TSX-V: AUMB | OTCQX: AUMBF), spoke to Mining Stock Daily about the company's Manitoba mine operations.With a fully permitted 1,300 tpd processing plant and underground infrastructure boasting a replacement value of over $400 million, Shaun explained how 1911 Gold is bypassing the typical decade-long permitting cycle to fast-track production. Key topics discussed were the following:District-Scale Land Position: The company holds a dominant, consolidated land package (over 60,000 hectares) covering the Rice Lake Greenstone Belt, a world-class orogenic gold district.Significant Infrastructure in place: The asset includes a fully permitted and operational 1,300 tonnes-per-day (tpd) mill, tailings facility, and underground mine infrastructure, which significantly reduces timeline and capital requirements for production.High-grade exploration potential: There is compelling exploration upside with a focus on high-grade gold targets, including near-mine extensions and new belt-scale discoveries (e.g., the True North complex).Tier-1 mining jurisdiction: The project is located in Manitoba, Canada, a stable and mining-friendly jurisdiction with access to low-cost hydroelectric power and road access.Experienced Leadership Team: The company is led by a management team and board with a proven track record of discovering, developing, and operating mines.

The Red River of the North starts at the confluence of the Bois de Sioux and Otter Tail rivers and forms most of the border between Minnesota and North Dakota. It then crosses into Manitoba and empties into Lake Winnipeg before its waters finally flow into the sea at Hudson Bay. Cities have grown up along its banks including Fargo, Grand Forks and Winnipeg and their residents are all too aware of one unfortunate feature of the river. Unlike most large U.S. rivers, it flows from south to north.

On today's episode, I talk to experimental musician and composer Claire Rousay. Originally from Winnipeg, Manitoba, Claire grew up in San Antonio, Texas and began playing piano at the ripe age of 4-years-old. Dropping out of high school in her mid-teens, Claire began playing music professionally, and in 2017, released her first album Blip on Mended Dreams. Since then, she's released over two dozen other albums and EPs on Mended Dreams, as well as Orange Milk, Shelter Press and her latest, A Little Death, just came out in October on Thrill Jockey, and it's great! This is the website for Beginnings, subscribe on Apple Podcasts, follow me on Twitter. Check out my free philosophy Substack where I write essays every couple months here and my old casiopop band's lost album here! And the comedy podcast I do with my wife Naomi Couples Therapy can be found here! Theme song by the fantastic Savoir Adore! Second theme by the brilliant Mike Pace! Closing theme by the delightful Gregory Brothers! Podcast art by the inimitable Beano Gee!