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When a 69-year-old Churchill, Manitoba resident hears screams outside his home, he steps out in pajamas, slippers, and armed with nothing but a snow shovel—only to find a woman in the jaws of a polar bear. In this episode of Canada Is Boring, Rhys and Jesse dive into the incredible true story of William Ayotte, his split-second decision to attack one of the world's most dangerous predators, the brutal mauling that followed, and the community effort that saved his life. Hosted on Acast. See acast.com/privacy for more information.
Dave opens up about a surprising realization after receiving an award for his two-year hair donation journey; why does helping a stranger feel more rewarding than winning "Morning Show of the Year"? The emotional high is short-lived, however, as the guys dive back into the grim reality of the Manitoba health care crisis, airing more powerful calls from the public. Things take a turn for the bizarre as they investigate the viral (and definitely fake) rumors surrounding Justin Trudeau and Katy Perry, before reacting to the shock news of Connor Hellebuyck receiving the Presidential Medal of Freedom. Plus, Tyler brings the "power-up" vibes to the studio as the guys taste-test the brand-new Mario Galaxy Bubly flavors.
My Life As A Landlord | Rentals, Real Estate Investing, Property Management, Tenants, Canada & US.
Today's podcast explores the most challenging places in Canada for landlords to own rental properties, calling them “landlord-unfriendly” due to strict tenant protections, rent controls, and complex procedures. She explains that these regions favor tenants through detailed regulations on rent increases, evictions, deposits, and inspections, which can make it hard for landlords to maintain profitability. The top five provinces she highlights—Prince Edward Island, Manitoba, Quebec, British Columbia, and Ontario—each impose unique restrictions that slow evictions, cap rent growth, and limit fee flexibility. Despite these hurdles, Dr. Jen notes that successful landlords in these areas adapt by staying compliant, maintaining properties diligently, and building good tenant relationships. She closes by urging landlords to stay informed about changing tenancy laws or to work with legal and property management experts to manage risks effectively.
Shadow People - Episode 228Jas and Sher are back again with a whole new episode on 'Shadow People', which we find intriguing and in our 7 years of discussing the spooky and unknown, Shadow man/people has definitely been a common and reoccuring topic in stories that have been told to us. Coincedentally, this week is 'Spirits with Spirits' at the King's Head Pub and our topic will be 'Sleep Paralysis and Shadow People'. We will also have the Open Mic portion from 8 to 9 PM for audience members to share their ghost stories. Again, this is a FREE Event - who doesn't love free?? Wednesday, February 25. Co-hosted with Jas from GUTG and the lovely and Spooky Ashley from The Winnipeg Paranormal Group. By the Way, keep watch for their public investigations coming up this 2026! Enjoy this week's new episode!Music by Ruesche-Sounds https://www.youtube.com/channel/USqXOFollow us on Facebook, Instagram, Tiktok & ReddittIf you have a local paranormal story of Winnipeg or in Manitoba, please email us at giivinguptheghostpodcast.@gmail.com - or if you just want to say 'Hi'!!!
The breaking point of Manitoba's health care system takes center stage today as Dave and Tyler open the Loud Line to a flood of frustrated Winnipeggers. From 10-hour ER wait times to the "grey-listing" of St. Boniface Hospital, the guys air raw, unfiltered stories from the front lines of a system in crisis. While the provincial government promises "Extended Hours" clinics, the public has a different story to tell. On the lighter side, the guys tackle the bizarre "Nature Calls" beer made with bear scat, the 11-1 odds the Winnipeg Jets face as they return from the Olympic break, and a shocking baseball bat incident at Unicity that has the city talking. Plus, a look at the "dementia villages" coming to the U.S. and Winona Ryder's big move to the cast of Wednesday.
Inside the Village - A weekly podcast featuring newsmakers in Ontario
Send a textCanada has a new Chief Public Health Officer.Dr. Joss Reimer, a Manitoba physician who helped lead that province's COVID-19 response, has been appointed to replace Dr. Theresa Tam, who is retiring.On tonight's episode of Closer Look, we revisit a recent interview with Dr. Reimer, who spoke to our podcast about the country's doctor shortage, the rise of medical misinformation, and why empathy is sometimes more important than expertise.Hosted by Village Media's Michael Friscolanti and Scott Sexsmith, and produced by Derek Turner, Closer Look is a new daily podcast that goes way beyond the headlines with insightful, in-depth conversations featuring our reporters and editors, leading experts, key stakeholders and big newsmakers.Fresh episodes drop every Monday to Friday at 7 p.m. right in your local news feed — and on the show's dedicated website: closerlookpodcast.ca. Of course, you can also find us wherever you get your favourite podcasts.Want to be the first to know when a new episode lands? Sign up for our free nightly newsletter, which delivers the latest Closer Look straight to your email inbox. You can also subscribe to our YouTube channel or follow us on X, Instagram, Facebook and TikTok.Have something to say? Please reach out. Our email address is closerlook@villagemedia.ca
Steven Rinella talks with naturalist, writer, and sculptor George Bumann, Brody Henderson, Phil Taylore, and Corinne Schneider. Topics discussed: George's book, Eavesdropping On Animals; Animal vocalizations; subscribe to the new Bear Grease YouTube channel; laws on game retrieval; just how pungent skunk odor really is; stay tuned for MeatEater TV's new "12 in 26" hunt series, starting with Jani's Manitoba bear episode; how absurd it is that guys called better than turkeys themselves; what various raven calls mean; how the birds gossip about everything; wolf howling and squirrel chirping translations; all the animals are talking about and know you; silence as the most important alarm that exists; The 2026 Yellowstone Summit; and more. Connect with Steve and The MeatEater Podcast Network Steve on Instagram and Twitter MeatEater on Instagram, Facebook, Twitter, and YouTubeSee omnystudio.com/listener for privacy information.
In this episode of the Casual Cattle Conversation, Shaye talks with Lydia, a first-generation farmer in southwestern Manitoba, about how non-family farm transitions can work. Lydia and her spouse started on leased land, built a direct-to-consumer livestock business, and later formed a structured transition partnership with a neighboring producer. They operate separate profitable businesses while collaborating on land, feeding, and asset purchases through clear written agreements and vendor financing. She shares that successful non-family transitions come down to trust, communication, solid business planning, and financial transparency. Lydia encourages new and aspiring farmers to live in the communities where they want to farm, build relationships, seek mentors, and work with advisors open to creative transition models. She also outlines red flags, including avoiding written agreements, weak financial management, and unclear profitability. Her message: with preparation, the right partners, and clear structure, non-family transitions are not only possible—they can be sustainable. Catch more conversations like this one and learn more at https://www.casualcattleconversations.com/ Learn more about CattleTags here: https://bit.ly/3Lf8yE3
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)
In Episode 313, we step on the gas and build a brand-new character for the final ride of the Fast & Furious saga. What kind of chaos agent joins the family? Street racer? International fixer? Long-lost legacy wildcard? We craft the backstory, the vibe, and how they would shake up the franchise's last lap.Then it's review time:The Beauty (FX)Iron Lung (2026)The Olympics.Heated Rivalry (Crave)New characters. Bold reviews. Big swings. Strap in and press play.Next Reel Debaters Trivia+ NightRd trivia+ presents It's always sunny in Philadelphia st Patrick's day trivia+March 17th at The Handsome DaughterA Colouring Contest,A Cosplay Challenge4 rounds of Themed Trivia.And prizes for all 3Fandom CelebratesDoors 645 Register 700 Trivia 730RUSH AND LIMITED SEATINGBOOK NOWTEAMS OF 6 PEOPLE MAXTICKETS ARE PER PLAYEROn sale nowEventbrite.ca | thereeldebaters.caCreditsExecutive Producer: Michael PetrowProduced by: Jimmy Skinner, Emily ClarkRecorded and Mixed at: Sick Bad Panda Podcast StudiosEpisode Description: Create a brand new character for The Fast and The Furious franchise.Guests:The Reel Debaters Podcast combines movie debates, reviews, and interviews with filmmakers, actors, and creatives from across Canada and beyond — all from the heart of Winnipeg's growing film community.Proudly made in Manitoba, where Canada makes moviesConnect with The Reel Debaters Podcastwww.thereeldebaters.caListen on: Spotify | Apple Podcasts | YouTube | Amazon Music | Google Podcasts
Today on the Basketball Manitoba Podcast, we have Jon Giesbrecht, a coach who's built a career around player development, the mental game, and helping athletes play free.He started coaching at 15 when he stepped in to coach his younger brother's team, and he hasn't stopped since then. He's coached many of those same players to a JV provincial championship and an undefeated Grade 12 season at John Taylor Collegiate, where he was the co-coach of the program, with many players going on to play university basketball.He has coached at the provincial team level, winning a gold medal as an assistant with the U17 boys team. He's also worked with Canada Basketball as a video coordinator for the Canadian Junior Men's National Team. He's coached at the University of Winnipeg and the University of Manitoba, including two seasons as a full-time assistant coach with the University of Regina women's program. He moved on from the college level and went on to coach prep in Italy as the director of mental performance.The last two seasons, he was with the Vancouver Bandits as Director of Mental Skills & Performance. He also runs a private practice called “Play Free”, where he teaches athletes how to handle pressure, regulate emotions, and perform when it matters.
Scott Brewer and Kyle Agre are talking hunting, fishing and just about anything you can do outdoors each weekend on Gone Outdoors Radio. This week Brad Durick joins the show to talk Catfish Tournaments on the Red River of the North. Vince Ojard provides an ice fishing report from the Canadian border from Border View Lodge on Lake of the Woods. Lastly, Robert Karpiak talks Caribou hunting and his latest business venture in Northern Manitoba. See omnystudio.com/listener for privacy information.
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)
A woman is offered one wish, but every choice comes with a price that can't be escaped or softened. As the clock runs down, she must decide whether wanting everything means accepting something far worse. The Ultimate Wish by E. M. Hull. That's next on The Lost Sci-Fi Podcast.The heart of The Lost Sci-Fi Podcast has always been simple: we go looking for the voices that history misplaced.Not just the household names you see in every anthology. Not the writers who built towering reputations while others stood quietly in their shadow. We search for the authors who did remarkable work and somehow slipped through the cracks. The ones who published briefly. The ones whose stories are worthy of discovering.And when we find them, we bring them to you.That's exactly how we discovered today's author, E. M. Hull, born Edna Mayne Hull in Manitoba, Canada, in 1905.Before we go further, she is not the same person as Edith Maud Hull, the British romance novelist also credited as E. M. Hull. That Edith Maud Hull became famous for bestselling romantic fiction.Hull's career in science fiction was brief. She wrote only five short stories. Five. That's it. She also co-wrote one novel with her husband, A. E. van Vogt, one of the most influential science fiction writers of the era.Nearly all of her published work was produced during the three years she lived in Toronto. Three years. A creative burst. Then silence.A writer who contributed to one of the most exciting periods in speculative fiction. A writer who published alongside giants. A writer whose voice still resonates. And yet her entire body of science fiction work can be counted on one hand.That is exactly why The Lost Sci-Fi Podcast exists. Because writers like Edna Mayne Hull deserve to be heard again. We love uncovering these authors, dusting off their work, placing their stories directly into your ears so you can enjoy them.From Unknown Worlds in February 1943 on page 71, The Ultimate Wish by E. M. Hull…Next on The Lost Sci-Fi Podcast, A retired physicist triggers an experiment he knows he cannot reverse, forcing him to choose between unchecked growth and deliberate disappearance. As the universe recedes and reality reshapes itself around him, one question remains unresolved: whether returning home means survival—or something far stranger. The Ultimate Paradox by Thorp McClusky. ===========================☕ Buy Me a Coffee - https://lostscifi.com/coffee
British police arrest former prince, Andrew Mountbatten-Windsor – on suspicion of misconduct in public office. An anti-monarchist tells us he thinks pressure from his group helped lead to this moment.Manitoba's Health Minister responds to the family of a woman who died after a long wait for care in a Winnipeg hospital –- and says the province hears their calls for change.A new, peer-reviewed study that suggests that, if anything, official tolls of Gaza's wartime dead have understated the extent of the devastation. In a heartbreaking Olympic women's hockey final, Canada loses to the U.S. in overtime. A fan tells us through tears that she's still grateful she was there. Scientists reveal the shocking truth: not only are humans the only primates with chins, but the chins themselves may not actually serve much of a purpose.An operation in Bangkok combined police procedural with costume drama -- as officers track a suspect at a Lunar New Year celebration while disguised as lion dancers.As It Happens, the Thursday Edition. Radio that's glad they weren't injured in the lion of duty.
David Paterson, Ontario’s trade representative in Washington & Richard Madden, Manitoba’s senior representative to the United States; Catherine Cobden, Canadian Steel Producers Association; David MacNaughton, Former Canadian Ambassador to the US; The Front Bench with: Sabrina Grover, Melanie Paradis, Karl Bélanger & Marie Vastel.
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)
Verticillium stripe continues to challenge canola growers across the Prairies, and new research at the University of Manitoba is working to better understand how the disease behaves and how it can be managed. Harmeet Chawla, assistant professor at the University of Manitoba, joins RealAgriculture's Amber Bell for this episode of Canola School, outlining several applied... Read More
Description: In this episode, we dive deep into Tesla's long-promised Cybercab as production reportedly begins and Elon Musk claims a sub-$30,000 price tag could arrive this year. We examine conflicting narratives around Tesla's robotaxi progress, including sharp criticism of the program eight months in and fresh timeline promises. Tesla's software push continues with Grok-enabled navigation in Europe and a renewed FSD launch in China backed by a local data center. Meanwhile, Tesla faces mounting pressure overseas, with UK sales plunging as BYD surges ahead and broader EV market share slipping despite overall auto growth. Legacy automakers aren't sitting still either—Ford is lobbying for access to Chinese EV tech, while BYD and Geely eye major North American production capacity. We also cover Polestar's aggressive expansion plans, Cruise's admission over a false pedestrian report, and the evolving EV policy and infrastructure conversation in Manitoba. Support the Show Support Kilowatt Other Podcasts: Beyond the Post YouTube Beyond the Post Podcast Shuffle Playlist 918Digital Website News Links: Manitoba EV Policy & Infrastructure Future of Electric Vehicle Sales Targets and Infrastructure in Manitoba (CBC Audio) Manitobans Welcome EV Rebates, but Fear Infrastructure Still Lacking Manitoba EV Fans Charged Up by Federal Strategy Tesla Cybercab & Robotaxi Developments Elon Musk Says Tesla Will Sell Cybercab to Customers for $30,000 or Less This Year Tesla's $30,000 Cybercab Begins Production With No Steering Wheel Tesla Begins Cybercab Production. Now Comes The Hard Part Elon Musk Doubles Down on Tesla Cybercab Timeline Once Again Tesla ‘Robotaxi' Status Check 8 Months In: A Complete Joke Tesla Software & Global Strategy Tesla to Re-Launch FSD in China With Local Data Center Tesla Launches Grok With Nav Commands in Europe Tesla UK Sales Plunge 57% in January as BYD Races Ahead New Car Market Starts Year With Growth but EV Share Falls – SMMT Competition & Industry Shifts BYD, Geely Bid for 230,000-Unit Nissan-Mercedes Mexico Plant in North American Push Ford Asks Trump Administration to Allow Chinese EV Tech in the US Polestar Goes Offensive With Four New Models in Three Years Autonomous & Policy News Cruise Admits to False Report in 2023 Dragging of San Francisco Pedestrian Show Art Created By Dall-E Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Today we continue our cross-Canada tour, chatting with food gardeners, and sharing crop and variety ideas to help you as you plan your 2026 garden.We head to Manitoba, just outside of Winnipeg, to chat with Brent Poole, an avid backyard veggie gardener who has been at it for over 45 years. Along with his own big suburban yard, Brent has a big garden across the street. He loves to experiment with new techniques and new varieties, something he attributes to his background in biology. Brent writes for and is on the board of The Prairie Garden, an annual publication that's all about gardening on the Canadian prairies. If you garden in a cold climate—or want to make the most of a short growing season—this episode is packed with practical ideas. ---Join the 5,000+ gardeners in The Food Garden Gang who stay on top of home food-growing ideas with our weekly e-mail. We're making the world a better place one garden at a time!Grab the free e-book: Small-Space Food-Gardening Hacks.Find out more about the Canada Gardener's Journal: It's a gardening journal, gardening log, and garden planner—with an all-Canadian sources list.
Shaun Heinrichs, President and CEO of 1911 Gold Corp (TSXV: AUMB) (OTCQX: AUMBF), joins me to for a comprehensive visual exploration and development update for advancing their True North Project, which includes a permitted mine and mill complex located on the Company's 100%-owned Rice Lake Gold property, spanning 61,647 hectares within and adjacent to the Archean Rice Lake greenstone belt in Manitoba, Canada. Shaun outlines how 1911 Gold believes its land package is a prime exploration opportunity, on a brownfield site, with the potential to develop a mining district centered on expanding resources and eventually moving back into the development of the past-producing True North complex. In addition to the permitted mine, there is a 1300 tpd permitted mill in place, which is expandable to 2250 tpd, which would have access to cheap hydroelectric power, and there is a permitted tailings area. We unpack the key metrics from the Preliminary Economic Assessment (PEA), released to market on February 10th. Shaun also highlights that this PEA doesn't include any of their drilling for the last 2 years, or the drilling they are doing this year, and is modeled off only a portion of the prior 2018 resource estimate. Towards the end of this year the Company will be releasing an updated Resource Estimate incorporating the last few years of drilling, and then an updated PEA incorporating that larger resource model. The initial PEA released this month outlines a robust gold mining operation utilizing the fully built and permitted infrastructure, including shafts, underground workings, and the processing and tailings management facility. 1911 Gold has estimated the infrastructure replacement value as being in excess of $400 million. The plan targets steady-state production of 58,114 ounces per annum with a mine life of 11 years. PEA Highlights: Robust Economics (After-tax): At a long-term gold price of US$3,000 per ounce (“oz”) there is a Net present value (“NPV”) (5%) of $391 million, internal rate of return (“IRR”) of 105%, and a payback period of 2.2 years At a constant gold price of US$4,800/oz, the NPV(5%) grows to $998 million, with no calculated IRR due to no years with a negative cash flow, and an almost immediate payback period of under 1.0 year. Fully Permitted, Low Capital Project: Initial capital expenditures (“Capex”) of $59.2 million, utilizing the currently built and permitted payable infrastructure. Additional Capex of $46.7 million during the first 2 years of ramp-up. Processing: Average diluted mill head grade of 4.32 grams per tonne gold (“g/t”, “Au”) with gold recoveries of 93.5% over the LOM. Cash Costs and AISC: Producing gold at a cash cost of US$1,390/oz and all in sustaining cost (“AISC”) of US$1,897/oz. Near-Term Production: Production due to start in the first half of 2027 with test mining and a bulk sample planned for the second half of 2026. Production Growth: 1911 Gold has identified excellent potential to increase production by developing recently discovered zones such as San Antonio Southeast, San Antonio West, and Shore which are adjacent to existing infrastructure and not included in the study, in addition to regional targets. This led us into the ongoing aggressive exploration program underway at surface for shallow high-grade targets as well as at depth, at their 2 new discoveries: the San Antonio West and San Antonio Southeast. The ongoing drilling is expanding the known resources of around 1.1 million ounces of gold in all categories. With regards to regional targets, there was a 2,200-metre (“m”) diamond drill program completed in December at the Ogama-Rockland gold deposit, located approximately 27 kilometres (“km”) southeast of the True North Gold Project. One surface drill rig was mobilized and commenced drilling on December 12, 2025, and focused on resource expansion and confirmation drilling, with a separate resource update due out from this area later this year. If you have any questions for Shaun regarding 1911 Gold Corp, then please email them into me at Shad@kereport.com. In full disclosure, Shad is a shareholder of 1911 Gold at the time of this recording and may choose to buy or sell shares at any time. Click here to follow the latest news from 1911 Gold Corp For more market commentary & interview summaries, subscribe to our Substacks: The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/ Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned.
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)
Joel Weber Joel Weber is a driven entrepreneur known for his perseverance, adaptability, and ability to anticipate industry shifts before they happen. Raised on a family farm in Manitoba, Joel developed an early work ethic baling hay, repairing equipment, and learning firsthand the value of resilience and problem-solving. Neurodivergent and proudly ADHD, Joel leverages hyperfocus,…More
Chris Sarkonak—high school physics and math teacher in Brandon, Manitoba and a PhD student in educational assessment—joins Boz and Sharona to describe his winding journey from traditional grading to standards-based grading, back again, and ultimately toward a student-centered, skills-focused, largely ungraded approach shaped by COVID-era conferencing, Building Thinking Classrooms, and the “ungrading” ecosystem of ideas. Chris shares how removing itemized grades reduced competition and unlocked real collaboration, how he structures learning with labs-first experiences, vertical whiteboards, “note-making” instead of note-taking, and spaced, skills-based check-ins, and how students co-create a “What does a grade look like?” document to anchor end-of-term self-assessment conferences with real criteria—not vibes. The punchline: his expanded, more diverse physics program isn't “watered down”—students match (or beat) prior exam averages, earn strong AP Physics pass rates with minimal traditional test prep, and even crack provincial top-10 rankings in elite national-level contests, prompting colleagues to ask how to make their classrooms work the same way.LinksPlease note - any books linked here are likely Amazon Associates links. Clicking on them and purchasing through them helps support the show. Thanks for your support!The (Un)Grading Spectrum, by Chris SarkonakThis is How Learning Should Fell, by Chris SarkonakSkills-Based Grading (Simplified), by Scott Brunner, @BrunnerPhysicsHacking Assessment: 10 Ways to Go Gradeless in a Traditional Grades School, Starr SacksteinResourcesThe Center for Grading Reform - seeking to advance education in the United States by supporting effective grading reform at all levels through conferences, educational workshops, professional development, research and scholarship, influencing public policy, and community building.The Grading Conference - an annual, online conference exploring Alternative Grading in Higher Education & K-12.Some great resources to educate yourself about Alternative Grading:The Grading for Growth BlogThe Grading ConferenceThe Intentional Academia BlogRecommended Books on Alternative Grading:
He Ho - Metis Ghost Stories -Part 2 - Episode 227More Settler / Red River / Lower Fort Garry / Metis Ghost stories!! With Festival Du Voyageur starting this week - perfect timing to share some Metis Ghost Stories in Manitoba and Ontario! We found some Creepy Cool stories from a WONDERFUL Facebook Page called "Metis History and Culture Page" we highly suggest you check it out! Reunited and it feels so GOOD! Jas and Sher were together this past weekend to record some RAMBLESODES! Long over due but it felt like no time had passed! We hope you enjoy today's episode as much as we had fun catching up and recording (in the podkitchen aka Sher's place). We also have 4 more Ramblesodes recorded Saturday night, make sure you listen for those! Also - don't forget to mark your calendar for February 25 - "Spirits with Spirits" at the King's Head Pub, co-hosted with The Winnipeg Paranormal Group - topic TBA. Enjoy this week's new episode!Music by Ruesche-Sounds https://www.youtube.com/channel/USqXOFollow us on Facebook, Instagram, Tiktok & ReddittIf you have a local paranormal story of Winnipeg or in Manitoba, please email us at giivinguptheghostpodcast.@gmail.com - or if you just want to say 'Hi'!!!
Good day ladies and gentlemen, this is IRC news, I am Joy Stephen, a certified Canadian Immigration practitioner, and I bring to you this Provincial News Bulletin from the province of Manitoba. This recording originates from the Polinsys studios in Cambridge, Ontario.The Province of Manitoba selected potential PNP nominees under Skilled Worker General on February 12, 2026. The province conducted Round 264 on February 12, 2026, issuing a total of 29 invitations to eligible candidates. For this round, the lowest CRS or provincial score was not applicable, as stated in the official release.You can always access past news from the Province of Manitoba by visiting this link: https://myar.me/tag/mb/. Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.Support the show
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)
Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this weekly PNP selection summary. I am coming to you from the Polinsys studios in Cambridge, OntarioThis week, the following Provinces picked 702 Candidates for PNP nominations:British Columbia, Manitoba, New Brunswick.The summary of this weeks pick are:In British Columbia, on February 10, 2026, 13 invitations were issued under the Entrepreneur Immigration Base Stream.Also on February 10, 2026, fewer than five invitations were issued under the Entrepreneur Immigration Regional Stream.On February 11, 2026, 195 invitations were issued under the Skills Immigration stream for candidates with a job offer in NOC TEER 0, 1, 2, or 3.On the same day, 265 invitations were issued under the Skills Immigration stream with a minimum score requirement of 135 points.Visit https://polinsys.co/bcy for more updates.In New Brunswick, on February 11, 2026, 196 invitations were issued under the New Brunswick Skilled Worker Stream for Health Care.Visit https://polinsys.co/nby for more updates.In Manitoba, on February 12, 2026, 29 invitations were issued under the Skilled Worker Stream – General.Visit https://polinsys.co/mby for more updates.You can always access past weekly PNP selection news by visiting this link: https://myar.me/tag/pnpw. Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.Support the show
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)
Canada's New EV Rebate Program: Everything You Need to KnowThis week on True North EV, host James dives deep into Canada's brand new Electric Vehicle Affordability Program (EVAP) - the biggest change to EV incentives in years.Starting February 16, 2026, Canadians can access:Up to $5,000 in rebates for battery-electric and fuel cell vehiclesUp to $2,500 for plug-in hybrid vehiclesPoint-of-sale incentives (applied immediately at the dealership)No price cap for Canadian-made EVs$50,000 transaction price limit for imported EVs from free-trade countriesIn This Episode:✅ The EVAP Program Explained - Who qualifies, how the pricing works, and which 35 vehicles are currently eligible✅ Infrastructure Investment - Breaking down the $84 million investment that will bring 8,000 new charging ports across Canada✅ The Chinese EV Question - A balanced look at why Chinese EVs are excluded and why that might actually be okay✅ Manitoba's Next Move - James's proposal for the province to pivot its rebate program to focus on used EVs without age restrictions✅ Host's Perspective - After a week of TV, radio, and newspaper interviews, James shares his honest take on why this is a great program (and where it could be improved)Key Takeaways:The $50,000 price cap is realistic for today's marketExcluding freight, PDI, taxes, and warranties from the price calculation gives manufacturers flexibilityPairing purchase incentives with charging infrastructure addresses both major barriers to EV adoptionThis could spark creative pricing and packaging from manufacturers competing to hit the $50K thresholdWhether you're considering your first EV, already driving electric, or just curious about Canada's automotive future, this episode breaks down everything you need to know about the EVAP program and what it means for drivers across the country.Connect with True North EV:Manitoba Electric Vehicle Association: Manitobaev.caEmail: truenorthevpodcast@gmail.com
Conrad Black reflects on former Prime Minister Stephen Harper's conservative achievements and analyzes current leader Pierre Poilievre's similar but more comprehensive vision to rescue Canada's stagnating economy.1924 MANITOBA
A librarian in Tumbler Ridge tells us who's been stopping by after this week's shooting -- and what she's doing to ensure everyone knows they have a place to go.There's another surge of measles cases in Manitoba; a doctor there explains where the highly contagious disease is believed to be spreading, and why.From the ashes, Part One. An Alberta woman fulfills a years-long wish and visits the mountain peak where the ashes of her late husband and daughter are scattered.From the ashes, part two. An art exhibit featuring the works of the late Jenifer Darbellay is set to open in B.C. -- nearly a year after she was killed in the Lapu-Lapu Day tragedy.Cool and calm -- but uncollected. A small town mayor tells us what it's like to live in one of 35 Ontario communities that were promised recycling pickup at long last -- only to learn they'll be waiting months, or maybe a year.And ... The family silver. Canadian flag bearer and skier Mikaël Kingsbury won a silver medal in Italy today after a history-making tiebreak. He says competing in front of his son was as good as gold.As it Happens, the Thursday edition. Radio that knows every second counts.
Like many farm and commodity groups across Canada, the Manitoba Crop Alliance (MCA) is trying to figure out what federal government's involvement in agricultural research and plant breeding will look like as cuts are made within Agriculture and Agri-Food Canada (AAFC). The organization that represents Manitoba farmers who grow wheat, barley, corn, sunflowers, and flax... Read More
In ep 160 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, Richie Tavake joins Sam and Mark to talk about the differences between the US and UK radio commercial market and why sometimes an American script can sound cheesey in a British accent. We get savvy and become a consumer champion, and we explore ways to research scripts that you may not have thought of before. Our wildcards see us getting ecstaticly happy, very judgy and absolutely huge in stature.Our VO question this week is all about the different processes we go through when a script lands in our inbox.Get involved! Have you got a Wildcard suggestion that we should try or an idea for the show? Send it to us via Mark or Sam's social media or email it directly to podcast@britishvoiceover.co.ukScript 1Savvy is the UK's consumer champion. We're not here to make a profit – we're here to be a powerful force for good - we're here to protect people, challenge unfairness and make everyday life simpler and safer.We're totally independent and we don't accept freebies from anyone. We have no owners, shareholders or government departments to answer to, so we work entirely for you, the consumer - and nobody else.We stand up for what's right. And we make change happen.Script 2In the heart of every great city, there's a story to be told. At 123Property, we know that story inside and out. Since 1975, 123Property has been a driving force in the commercial real estate industry. Today, we proudly stand as one of the largest privately owned real estate firms in Manitoba. At 123Property, our success is built on our commitment to integrity, professionalism, and excellent service. We believe in succeeding by helping others succeed.We'd love your feedback - and if you listen on Apple Podcasts or Spotify, hit the follow button today!**Listen to all of our podcasts here - you can also watch on YouTube, or say to your smart speaker "Play How Do You Say That?!"About our guest: Richie is an actor from San Francisco, CA. He started in theatre when he was still a teenager and then decided to go into voice-over work - mainly because he was such a big fan of anime and video games. From there he found a real fascination with commercials and audio dramas.Richie is known for always being a little too early - to work, events, meetings… everything - to the point that people jokingly ask him if he can be late for once.. He also loves playing chess.Richie's Website@rtavake on InstagramRichie's Facebook page Resources: Click here for the Wildcard Generator and don't forget to think of an action your character can be doing!About your hosts:With over 40 years representing major international clients such as Google, Emirates and HSBC; Mark Ryes has been trusted to be the voice for some of the world's biggest brands. If your...
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)
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)
Join Kelly as His Hill first-year student Ryleigh Schellenberg shares her story of coming to faith in Christ while growing up in a small rural Christian community in Manitoba, Canada, and how the Lord then brought her to see her deep need to live fixed on Christ.www.instagram.com/thehishillpodcast/www.hishill.orgkelly@hishill.org
In this episode of Mining Stock Daily, host Michael McCrae speaks with CEO Shaun Heinrichs of 1911 Gold (TSX-V: AUMB) about the company's newly-released preliminary economic assessment (PEA) for the True North Gold Project in Manitoba. The study outlines a redevelopment plan built around existing permitted infrastructure with the goal of restarting operations through a relatively low initial capital investment. The PEA contemplates average annual gold production of approximately 58,000 ounces over an estimated 11-year mine life and presents projected economics that management believes support advancement to the next stage of study.During the discussion, the CEO outlines the assumptions behind the PEA, including gold price sensitivity, operating costs, and capital intensity, and explains how the company views the path toward financing and potential construction. The conversation also addresses exploration upside within the broader land package and the risks and uncertainties inherent in moving from a PEA to more advanced engineering studies.
In this episode, marathoner Carolyn Coffin joins the podcast to talk about trusting yourself when the plan breaks down. We dive into her Marathon Project experience, the DNF that followed, and what it taught her about self-trust, coaching yourself, and redefining success.Whether you're in the middle of a build that feels off or reflecting on a goal that didn't pan out, this episode will help you rethink what “trusting the process” actually means — and how to move forward with clarity and confidence.Carolyn Coffin is a certified running coach (NCCP, RRCA, UESCA) with an educational background in physiotherapy (Bachelor of Science in Physical Therapy from Queen's University, 2003) and kinesiology (Bachelor of Kinesiology from McMaster University, 2000). Through her online coaching business, she helps everyday athletes pursue their road running goals with confidence and joy. A lifelong runner and curious storyteller, Carolyn believes every runner has a story worth sharing, which she brings to life each week on Inspired Soles. She loves competing in events from 1500m to the marathon, and is on a mission to prove that her fastest marathon is still ahead of her at age 48. Carolyn lives in Winnipeg, Manitoba, Canada, with her military spouse and their two teenage children.Resources and Links: Link to her podcast, the Inspired Soles PodcastWork with Sara – Coaching and Programselevateyourrunning.comInstagram – Join the CommunityElevateyourrunning and sayrahrunshappyWhere to Listen:Apple Podcasts | Spotify | YouTube Music | YouTube Channel If you enjoyed this episode, please subscribe, rate, and leave a review! Share your thoughts on how coaching has impacted your journey on social media using #elevateyourrunning. Do you want to be an inclusive insider? Help support the Elevate Your Running Podcast! Get exclusive content, Sara's training updates, Q + A coaching advice, and more through this platform! PARTNER DISCOUNTS AND LINKS:Dynamic Runner: code SAYRAHRUNSHAPPY for 10% off your subscriptionSenitas Athletics: save 15% off your total order using the link attachedCheribundi: code ELEVATE for 15% offRNWY: Use Code Elevate15 for 15% off your orderSkratch Labs - Use this code for 20% off your next order!KETONE-IQ: Your post-run recovery ketones can be found hereCozy Zero: merino wool running clothes! Save 20% with code SARAM20LEVELLE GELS - Save 10% on all natural gels using code HAPPYRUNNING10
David Guillas is a songwriter and guitar builder living in Winnipeg, Manitoba. He makes solo records under the moniker KYLE. Find his music here: https://lekyle.bandcamp.com/
Travel with Growing Greener to Winnipeg, Manitoba to learn how Ash Burkowski is collecting seed from local prairie remnants to raise indigenous grasses and wildflowers that can be integrated into lawns, restoring populations of native flora while relieving homeowners of the need for fertilization and irrigation and reducing the need for mowing.
Gabby Osio Vanden and Jack Weisman join the show after winning Sundance's Grand Jury Prize to unpack the ten-year road behind Nuisance Bear, a polar bear's journey through two connected worlds: tourist-heavy Churchill, Manitoba, and the Inuit community of Arviat, where the stakes are far more complex and far less welcoming. The film becomes a meditation on coexistence, control, and who gets labeled a “nuisance” in a shared landscape.We dig into craft and access: finding the right position for the camera so the story can reveal itself, structuring the feature in two halves, and how a dialogue-free short film born partly out of COVID constraints became the proof of concept that unlocked TIFF, The New Yorker, and eventually A24. They also talk candidly about what the audience never sees: rough living conditions, long hours waiting, the specific agony of “the best thing happened, and we missed it,” and the slow but important work of earning trust, where listening comes before filming.They share influences that shaped them, including Miyazaki's sense of nature and modernity, Gus Van Sant's bravery with form, and John Cassavetes' belief in the energy of a set. The conversation closes on what it meant to experience Sundance as both a career peak and a personal milestone, getting engaged and then married during the festival. Advice to filmmakers: be tenacious when you know you need to tell a story, protect trust like it is part of the craft, and do not turn on each other when the pressure spikes.What Movies Are You Watching?This episode is brought to you by BeastGrip. When you're filming on your phone and need something solid, modular, and built for real productions - including 28 Years Later and Left Handed Girl - BeastGrip's rigs, lenses, and accessories are designed to hold up without slowing you down. If you're ready to level up your mobile workflow, visit BeastGrip.com and use coupon code PASTPRESENTFEATURE for 10 % off. Revival Hub is your guide to specialty screenings in Los Angeles - classics on 35mm, director Q&As, rare restorations, and indie gems you won't find on streaming. We connect moviegoers with over 200 venues across LA, from the major revival houses to the 20-seat microcinemas and more.Visit revivalhub.com to see what's playing this week. Acclaimed documentary ROADS OF FIRE is now available on Amazon, iTunes, and Fandango at home. Directed by Nathaniel Lezra, the film won best documentary at the 2025 Santa Barbara International Film Festival. The film examines the migrant crisis here in the States all the way down to Venezuela, and Academy Award nominee Diane Lane calls it "a must-see journey of human dignity." Roads of Fire - now on Amazon, iTunes, Fandango. Introducing the Past Present Feature Film Festival, a new showcase celebrating cinematic storytelling across time. From bold proof of concept shorts to stand out new films lighting up the circuit, to overlooked features that deserve another look. Sponsored by the Past Present Feature podcast and Leica Camera. Submit now at filmfreeway.com/PastPresentFeatureSupport the show Listen to all episodes on Spotify, Apple Podcasts, and more, as well as at www.pastpresentfeature.com. Like, subscribe, and follow us on our socials @pastpresentfeature The Past Present Feature Film Festival - Nov. 20-22, 2026 in Hollywood, CA - Submit at filmfreeway.com/PastPresentFeature
This week on the podcast, our guest is Brandon Moffatt, Chief Development Officer at StormFisher Hydrogen. StormFisher Hydrogen develops projects that repurpose energy, water, and power, with a focus on green hydrogen and e-fuels across the North American market. The company is currently advancing a low-carbon methanol project in Varennes, Quebec. The conversation begins with an overview of green hydrogen–derived products, including e-methane, e-methanol, and green ammonia. Brandon explains why e-methanol is emerging as a leading end-use for green-hydrogen-derived fuels, particularly for marine shipping and aviation. The discussion then turns to Canada's competitive advantages in producing e-fuels, including access to low-carbon grid electricity in Quebec, Manitoba, and British Columbia, as well as the Canadian Investment Tax Credits (ITCs). With the United States rolling back support for green hydrogen in the One Big Beautiful Bill Act (OBBBA) last summer, Brandon notes that Canada currently holds a policy advantage in North America. However, global competition remains strong, particularly from India, China, and the Middle East, where cost structures are advantaged. For Canada to remain globally competitive in green hydrogen-derived products, Brandon outlines several changes he believes are needed to Canada's existing ITC framework. These include:Allowing access to the full green hydrogen ITC when grid power is more than 90% non-emitting Extending eligibility to downstream equipment, including e-methanol and sustainable aviation fuel (SAF) production, consistent with how ammonia is treated Allowing the use of carbon dioxide in fuel production to qualify for the carbon capture, utilization, and storage (CCUS) ITCThe episode concludes with a deeper dive into the Varennes project, including the potential for local job creation and the anticipated timing for a final investment decision and first production. Content referenced in this podcast:S&P Canadian Electric Car Insights to Q3 2025 (Dec 2025) StormFisher Hydrogen's website Learn more about StormFisher's low-carbon methanol project in Varennes, Quebec Note, the ARC Energy Funds are an investor in StormFisher Hydrogen. Please review our disclaimer at: https://www.arcenergyinstitute.com/disclaimer/ Check us out on social media: X (Twitter): @arcenergyinstLinkedIn: @ARC Energy Research Institute Subscribe to ARC Energy Ideas PodcastApple PodcastsAmazon MusicSpotify
He Ho - Metis Ghost Stories - Episode 226Reunited and it feels so GOOD! Jas and Sher were together this past weekend to record some RAMBLESODES! Long over due but it felt like no time had passed! With Festival Du Voyageur starting this week - perfect timing to share some Metis Ghost Stories in Manitoba and Ontario! We found some Creepy Cool stories from a WONDERFUL Facebook Page called "Metis History and Culture Page" we highly suggest you check it out! This is Part 1 and the second half will be uploaded in time to celebrate Louis Riel Day. We hope you enjoy today's episode as much as we had fun catching up and recording (in the podkitchen aka Sher's place). We also have 4 more Ramblesodes recorded Saturday night, make sure you listen for those! Also - don't forget to mark your calendar for February 25 - "Spirits with Spirits" at the King's Head Pub, co-hosted with The Winnipeg Paranormal Group - topic TBA. Enjoy this week's new episode!Music by Ruesche-Sounds https://www.youtube.com/channel/USqXOFollow us on Facebook, Instagram, Tiktok & ReddittIf you have a local paranormal story of Winnipeg or in Manitoba, please email us at giivinguptheghostpodcast.@gmail.com - or if you just want to say 'Hi'!!!
Episode 405: On the 17th of May 1984, 48‑year‑old Beverley Anne Dyke was found brutally murdered in a wooded area near Moray Street and Saskatchewan Avenue on the edge of Winnipeg, Manitoba. Her killing, a frenzied sexual assault and stabbing, left her family and the wider community fearing a predator was on the loose. For years, detectives chased dead ends and even a dramatic prison confession, but the real killer remained a mystery. It would take more than two decades, and a cold‑case DNA match, to finally reveal who murdered Beverley and why. Sources: May 25, 1970, page 1 - The Hamilton Spectator at Newspapers.com™Mar 25, 1971, page 3 - The Hamilton Spectator at Newspapers.com™Mar 25, 1971, page 10 - The Hamilton Spectator at Newspapers.com™Aug 19, 1974, page 8 - The Hamilton Spectator at Newspapers.com™Aug 19, 1974, page 11 - The Hamilton Spectator at Newspapers.com™May 13, 1975, page 11 - The Hamilton Spectator at Newspapers.com™Dec 30, 1984, page 10 - The Winnipeg Sun at Newspapers.com™Dec 27, 1988, page 19 - Waterloo Region Record at Newspapers.com™Dec 27, 1988, page 7 - Edmonton Journal at Newspapers.com™May 07, 2001, page 5 - The Winnipeg Sun at Newspapers.com™Feb 28, 2005, page 5 - The Hamilton Spectator at Newspapers.com™Nov 19, 2005, page 4 - The Winnipeg Sun at Newspapers.com™Nov 30, 2005, page 9 - The Winnipeg Sun at Newspapers.com™Sep 14, 2007, page 5 - Edmonton Journal at Newspapers.com™Feb 26, 2010, page 2 - Fort McMurray Today at Newspapers.com™Mar 06, 2010, page 6 - Edmonton Journal at Newspapers.com™Mar 07, 2010, page 8 - Times Colonist at Newspapers.com™Nov 30, 2011, page 2 - Fort McMurray Today at Newspapers.com™"Evidence of Evil" The Murder of Beverley Ann Dyke (TV Episode 2019) - Reference view - IMDb"It was a vicious assault" | The Murder of Beverley Ann Dyke | Trace of EvilR. v. Kociuk, 2009 MBQB 154 (CanLII)R. v. Kociuk, 2009 MBQB 162 (CanLII)R. v. Kociuk (R.J.), 2011 MBCA 85 (CanLII)R. v. Kociuk, 2012 SCC 15 (CanLII), [2012] 1 SCR 529FM010_Appellant_Robert-Joseph-Kociuk | PDFSupreme Court of Canada | 34517Robert Joseph Kociuk v. Her Majesty the Queen (April 12, 2012) Case # 34517DNA Test Results In Charges | CastanetWinnipeg Homicide | Beverly Ann DykeJury finds Robert Kociuk guilty of first-degree murder in 1984 killing | Crime and Justice CanadaMar 2010: Murder verdict returned quickly | Winnipeg Free Press Learn more about your ad choices. Visit megaphone.fm/adchoices
The Jets faint playoff dream took a big hit in the final game before the Olympic break after suffering a 5-1 defeat at the hands of the Habs. Spend two hours with the Illegal Curve Hockey Show starting at 9 AM on Saturday as Ezra, Drew and Dave discuss all things to do about the NHL club of Winnipeg, look around the NHL and cover things doing with the AHL club of Manitoba.Topics:What might the Jets do with Jonathan Toews?What sort of returns might the Jets UFAs bring?Opportunity for the Jets draft picks to play final 20 gamesSeth Jarvis in over Mark ScheifeleMoose vs StarsGuests:Christian Aumel (680 CJOB) at 28:32 on podcastBrian Engblom (Lightning color analyst) at 1:28:49 on podcast
Ricardo Hibi was the type of guy that everyone relied upon in his tight-knit community of Manitoba, Canada. With an upcoming wedding and newly certified group home for troubled youth, everything was falling into place. But a storm was rolling in; an unexpected tragedy that no one could come back from.Sources:Final Moments: Death at the Front Doorhttps://www.cbc.ca/news/canada/manitoba/kane-moar-ricardo-hibi-murder-statutory-release-wfpcbc-cbc-1.6110359https://www.cbc.ca/news/canada/manitoba/kane-moar-ricardo-hibi-group-home-stabbing-sentencing-wfpcbc-wfp-1.5921682https://www.cbc.ca/news/canada/manitoba/kane-moar-ricardo-hibi-murder-statutory-release-wfpcbc-cbc-1.6110359https://everythinggp.com/2020/09/24/manitoba-murder-trial-to-continue-with-11-jurors-after-one-shows-covid-19-symptoms/https://www.ctvnews.ca/winnipeg/article/surveillance-video-shown-on-day-two-of-winnipeg-homicide-trial/https://news4winnipeg.com/boar-arrested-second-degree-murder/
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.
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