Podcasts about missing middle

This week, Canada's housing department released a document with more details on the Liberal government's plans to scale up affordable housing in the country. It's now seeking feedback from the public about it.Back in March, Prime Minister Carney vowed that his government would double the number of homes built annually in Canada to nearly half a million. This would be done through an entity called Build Canada Homes, which would spur construction with a focus on affordability and a 'made in Canada' approach.But these plans are coming together in a challenging environment. A new report from the Canadian Mortgage and Housing Corporation (CMHC) forecasts a drop in housing starts over the next few years. That's against a backdrop of rising costs and other factors that are squeezing developers.So, can Carney's plan work, and can it work fast enough?Mike Moffatt, a founding director of the Missing Middle Initiative at the University of Ottawa and the co-host of the Missing Middle podcast, joins the show.For transcripts of Front Burner, please visit: https://www.cbc.ca/radio/frontburner/transcripts

We're back with the third installment in our Missing Middle in Climate Tech series, created in partnership with Spring Lane Capital. If you haven't yet heard the earlier episodes, head to our website for conversations exploring research from CREO and S2G on the financing gap facing climate tech companies caught between early-stage venture and large-scale project finance. And if you have ideas for future series or want to explore a partnership, we'd love to hear from you—reach out via our site (investedinclimate.com/contact).In this episode, we're joined by Jason Scott, Partner and Entrepreneur in Residence at Spring Lane Capital, and Mark Berryman, Partner at Capricorn Investment Group. Capricorn is one of the OGs of sustainable investing, with over two decades of leadership in the space and more than $12 billion in assets under management. This conversation brought together two distinct perspectives: a large, established asset allocator and a nimble firm specializing in project finance and growth-stage venture capital.Mark, recently named LP of the Year by Impact Capital Managers, offered nuanced insights into the challenges and opportunities of bridging the missing middle. Jason's decision to bring him into the conversation sparked a rich dialogue on what it will take to close this critical funding gap. Lots to unpack and learn in this one. Enjoy!On today's episode, we cover:[03:08] Series recap and context on the “Missing Middle" [07:03] Mark's background & experience in climate investing[11:09] Mark's perspective on the "missing middle" & its evolution[14:08] Why mid-sized funds are suited to fill the climate financing gap[17:45] Capricorn's approach to climate portfolios & supporting the ecosystem[21:46] What Mark looks for in emerging fund managers[25:07] Building a fully climate-aligned portfolio & impact reporting[28:45] Where to categorize Spring Lane's investment approach[32:10] The need for more innovative, category-defying climate funds[33:33] Macro context: tariffs, market volatility & long-term climate investing trends[41:33] Three-to-five year outlook for climate investing & the missing middle[44:15] Industry consolidation & future innovations[46:34] Closing remarksResources MentionedSpring Lane CapitalCapricorn Investment GroupThe Role of Family Offices with Spring Lane Capital & CREO, Ep #114Rethinking Climate Finance with Spring Lane Capital...

Greg Brady spoke with Dr. Mike Moffatt, Economist, Founding Director, PLACE Centre. Co-Host, "Missing Middle" about, are the City of Toronto claimed improvements in housing application timelines real or an illusion? Learn more about your ad choices. Visit megaphone.fm/adchoices

What do cheesy Jean-Claude Van Damme movies and Canada's rental housing crisis have in common? Apparently, more than you'd think! In this episode of The Missing Middle, Sabrina Maddeaux and Mike Moffatt hop in their imaginary time machine to explore how a long-forgotten 1970s tax trick—MURBs—might make a comeback to boost rental housing today. Will this retro loophole help fix our sky-high rents, or just mess with the condo market even more? Grab your popcorn and find out how investors, multiplexes, and a bit of tax magic could change the housing game all over again.Chapters00:00 Introduction01:51 Investing in housing: a time travel scenario03:46 Why building apartments wasn't a great investment 04:47 History of creating rental stock06:07 Understanding the MERB08:32 MURB tax deferrals 10:24 How MURB impacts condo construction11:53 MURB now vs 1970s13:19 The historical context of MERB and its implicationsResearch/links:Time Cop trailerThe Quiet Death of the Investor Condo? MURBs May Change the Game     Hosts: Sabrina Maddeaux https://x.com/SabrinaMaddeaux Mike Moffatt https://twitter.com/MikePMoffatt https://bsky.app/profile/mikepmoffatt.bsky.socialProducer: Meredith Martin https://twitter.com/meredithmartin @meredithmartin.bsky.socialEditor: Sean Foreman@seanegertonforeman@seanforeman.bsky.socialThis podcast is funded by the Neptis Foundation https://neptis.org/Brought to you by the Missing Middle Initiative https://www.missingmiddleinitiative.ca/Hosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

Greg Brady spoke with Dr. Mike Moffatt, Economist, Founding Director, PLACE Centre. Co-Host, "Missing Middle" about, are the City of Toronto claimed improvements in housing application timelines real or an illusion? Learn more about your ad choices. Visit megaphone.fm/adchoices

Greater Greater Washington's Dan Reed joins the team to talk about the RFK stadium deal that looks just about done, the quest to build more housing in the inner suburbs, and an extremely petty neighbors' quarrel that went viral. Plus, in a members-only fourth topic, we're talking about the Trump inspired burst of potential renamings in the DMV. Want some more DC news? Then make sure to sign up for our morning newsletter Hey DC. You can also become a member, with ad-free listening, for as little as $10 a month. Learn more about the sponsors of this August 1st episode: Framebridge Overlook Maps Interested in advertising with City Cast? Find more info HERE Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The REconomy Podcast™ from First American, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi continue the REconomy Summer School series with a discussion of a possible solution to the housing affordability crisis. From easing zoning restrictions and regulatory hurdles to addressing financing challenges and quelling NIMBY opposition, the episode unpacks how reviving construction of “missing middle” housing can help improve affordability. Don't miss a single REconomy episode, subscribe today. 

​​In this episode of The Missing Middle, Mike Moffatt and Sabrina Maddeaux unpack the controversy around REITs (Real Estate Investment Trusts) and their role in Canada's housing crisis. Are REITs really blocking affordable housing, or is the real issue deeper than greedy landlords? Mike and Sabrina break down how REITs work, why they've become political scapegoats, and what actually needs to change to build more truly affordable homes. If you've ever wondered who should be our landlords — mom-and-pops, corporations, or governments — this is the conversation you need to hear.Subscribe for weekly deep dives on housing, urban planning, and Canada's affordability crisis.Drop your thoughts below: Who do YOU think should be Canada's landlords?Chapters00:00 Introduction01:55 Who should our landlords be?03:44 Real Estate Investment Trusts 04:45 Mutual fund trust05:45 Canada has an undeveloped REIT system06:53 REIT push back on affordable housing09:12 Who is to blame for affordable housing not getting built?10:30 All of the other things that make it expensive to build12:09 Should the government build more affordable housing?12:37 Someone has to pay so who should it be? 16:11 What do we mean by affordable units?Research/links:Ford government scrapped Toronto affordable housing requirements after pushback from three REITs, documents showReddit threadEveryone Wants Rentals, but No One Wants LandlordsREIT dataHosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

When Alison stumbled into the world of housing advocacy through a simple volunteer opportunity, she uncovered a shocking reality: 405,000 Australian women aged 45+ are at risk of homelessness, with older women over 65 being the fastest-growing homeless demographic. But rather than accept this crisis as inevitable, Alison and the team at Sharing with Friends are pioneering an innovative co-housing solution that creates both security and community for women in the "missing middle" - those who aren't poor enough for social housing but can't afford to buy their own home.Key TakeawaysThe Hidden Crisis is Real and GrowingWith only 0.1% of private rentals affordable on the age pension, single older women face an impossible housing market. The stereotype of homelessness doesn't capture the reality—many at-risk women are educated, previously housed, and never saw this coming.The "Missing Middle" Needs New SolutionsWomen with modest savings (around $100,000) fall through the cracks—too much wealth for social housing eligibility but insufficient funds to purchase property. Traditional housing models don't serve this significant population, creating an urgent need for innovative approaches that bridge the gap between crisis accommodation and home ownership.Co-housing Offers Security Plus CommunitySharing with Friends' model brings five women together in purpose-built accommodation where each has their own studio unit plus shared common areas. With a 50-year lease structure, women gain lifetime housing security while building meaningful connections that combat the loneliness epidemic affecting single older women.Prevention Beats Crisis ResponseRather than waiting until women are homeless, early intervention models can identify and support those at risk. Understanding your assets, building superannuation, and planning for potential single life creates options before crisis hits. Small consistent actions compound over time to create security.Systemic Change Requires Multiple PlayersGovernment recognition of co-housing models, streamlined planning approvals, and funding support are essential for scaling solutions. But change also needs community advocates, professional pro bono support, and private donors willing to invest in preventive models rather than just crisis responses.Moving ForwardThe biggest tragedy isn't that older women face housing insecurity; it's that we have the knowledge and models to prevent it but lack the will to act at scale. Whether you're feeling vulnerable about your own housing future or secure in your current situation, this issue demands attention. If you're at risk, reach out to your state's housing support services and take control of your financial future.For Women Needing Housing HelpQueensland:  Housing Older Women's Support Service https://howss.org.au/Victoria:  Home at Last https://www.oldertenants.org.au/home_at_lastNSW:  Older Womens Network NSW:  https://ownnsw.org.au/Sharing with FriendsWebsite https://www.sharingwithfriends.org/Donation page https://shoutforgood.com/charities/sharing-with-friendsFacebook https://www.facebook.com/groups/821207472091664/Instagram https://www.instagram.com/sharing_with_friends_cohousing/LinkedIn https://www.linkedin.com/company/sharing-with-friends-foundation/Alison's business website  https://wellthyco.com/Connect with meBook your 20-minute connection call https://calendly.com/jo--138/20min?month=2025-07 RE-IMAGINE: A personalised 1:1 six-week mentoring programme https://www.joclarkcoaching.com/work-with-me Share your journey with me by sending me a message on Instagram at https://www.instagram.com/joclarkcoaching/ LinkedIn https://www.linkedin.com/in/joclarkcoaching/⁠Email me your success story at jo@joclarkcoaching.com. What you do today shapes your tomorrow. Your health matters because YOU matter.Here's to redefining midlife and making our next half of life even better than the first.

The Shop Girls are back in the studio to speak with Fashion Missing Middle co-founders, Anne Mezzenga + Ann Marshik.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Virginia Court of Appeals will decide whether a developer who has built ‘missing middle' housing in the county should be allowed to join the lawsuit.

In this episode of The Missing Middle, Sabrina Maddeaux and Mike Moffatt break down the massive wave of federal public service job cuts and how they're slamming young Canadians the hardest. From thousands of lost student and contract jobs to long-term impacts on housing, wages, and health, they reveal how a shrinking government workforce could shut an entire generation out of shaping Canada's future. They also dive into what this means for unions, the economy, and why real public service reform must include young voices. If you care about youth employment and the future of Canada's workforce, you don't want to miss this!Chapters00:00 Introduction01:00 Federal public service job cuts explained02:54 Our Video03:46 The cohort effect and some historical context05:12 The lack of young public sector workers in shaping policy07:15 Mike's experience in the federal public service09:26 The talent vacuum10:30 The effects of graduating in a recession12:26 Ripple effects in the broader economy13:45 Graduating in a recession can impact your health16:30 Job hoarding and the role of unions20:24 Future perspectivesResearch/links:Federal public service job cuts fall heavily on young workersSabrina Maddeaux: Striking union should ditch anti-millennial contract demandHow Colleges Broke Canadian ImmigrationThe Short- and Long-Term Career Effects of Graduating in a RecessionLife-Cycle Impacts of Graduating in a RecessionHosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

Stories WAMU is following this week include diving deep into the missing middle housing issues in Arlington and Alexandria, Prince George's County's 180 on nonprofit funding and reviewing Metro's Better Bus Network

Let Us Know What You Thought Of The Episode Ever driven past a run-down lot or a half-collapsed house and thought…“What a waste of space”?Well, what if that “mess” is actually a goldmine?In this episode of the Savvy Investor Podcast, host Michael Ponte sits down with Paul Szkuc, founder of Proximity Properties, to unpack one of the most underrated strategies in real estate right now: Missing Middle Development.We're talking about purpose-built rentals — duplexes, triplexes, fourplexes, even 6 or 8-plexes — that are perfectly sized for existing neighborhoods. They're not massive towers, and they're not single-family flips. These projects fill the gap that most investors ignore... and they're gaining serious traction in today's tight housing market.Inside the episode:What exactly the “Missing Middle” is — and why it's making a comebackHow Paul finds and transforms overlooked lots into profitable, modern rentalsThe full development process from teardown to turnkeySmart ways to structure CMHC financing to reduce risk and boost ROIReal-world advice on suite mix, tenant retention, and long-term cash flowWhat to actually expect when refinancing — and how to time it rightMistakes to avoid when building smaller multi-family projectsPaul shares the real, unfiltered truth about what it takes to succeed in this space. No fluff, no hype — just experience-backed strategies that work in today's market.If you're tired of chasing cash flow in overcrowded markets or you're ready to scale without taking on massive builds, this episode is a must-listen.Follow Paul on Instagram: https://www.instagram.com/proximityproperties/Learn more about our Trusted Partner - SingleKeyUsed by more than 150,000 homeowners across the U.S. and Canada, SingleKey is a digital platform that helps property owners make more informed decisions when selecting tenants and managing their risk. Their tenant screening service, automated rent collection tool, and Rent Guarantee Program bring trust, transparency, and accountability into the rental process, allowing homeowners, renters, property managers, and realtors to rent risk free.Stop guessing with tenants. SingleKey's got the tools: Screening, automated rent, and a Rent Guarantee. Used by 150,000+ landlords. Don't risk it. Get SingleKey.Use promo code SAVVY10OFF or use the link below to login into your SingleKey account or create a new account. Savvy members are entitled to an exclusive recurring 10% discount on all single credit bureau reports regularly priced at $29.99.Would you like to learn more? Visit:https://thesavvyinvestor.ca/singlekey  Savvy Investor Links:Website: https://thesavvyinvestor.caInstagram: https://www.instagram.com/savvy_investorsYouTube: https://www.youtube.com/@thesavvyinvestorJoin our Savvy Squad Community for 14 Days Absolutely FREE! https://thesavvyinvestor.ca/joinDisclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

In this episode of On The Line, two big conversations on two critical topics: housing and national security.First up: Mike Moffatt. Mike is one of Canada's leading housing experts. He's a professor at Western University's Ivey Business School, senior director at the Smart Prosperity Institute, and host of the Missing Middle podcast. Matt talks to Mike about the state of Canada's housing market, why prices are crashing in Toronto and Vancouver, and why that's both a good and a bad sign. They cover policy, affordability, investor behaviour, and what governments are still getting wrong — and right — about how to fix it.This episode of On The Line is brought to you by Airbnb. Last week, we talked about how the number of Airbnbs that could be homes accounts for only 0.6 per cent of Canada's housing stock. Everyone knows that you can't solve a crisis with less than one per cent of a solution. But did you know that Airbnbs actually play a critical role in helping Canadians navigate affordability? Seventy seven per cent of Airbnb hosts say that renting their homes helps them cover the rising cost of living.Learn more at Airbnb.ca/closerlook.Our next guest is Glenn Cowan. Glenn is a venture capitalist, a former special operations officer, and the founder of ONE9 — a firm investing in dual-use technologies that serve both national security and commercial markets. Glenn joins the show to talk about Canada's defence industrial base, why doing national security innovation in this country is so hard, and what the future of warfare looks like. He shares lessons from his experience in Afghanistan, the Middle East, and Africa — and explains why Canada needs to be far more serious about the technologies and partnerships that will shape the next generation of global conflict.This episode of On The Line is also brought to you by the Métis Nation of Ontario. It's Moose Factory in the 1860s. The summer sun rises over the still water of Hudson's Bay. When others might rest for the summer, Métis families pushed hardest. Nets dropped before dawn. Canoes were packed with the morning's catch. Women salted fish on wooden planks, turning the haul into trade goods. From the shores of Hudson's Bay, salted fish travelled inland to Hudson's Bay Company posts across what is now northern Ontario. Canada's first great supply chain was stitched together by hard summer work by Métis families across the Upper Great Lakes and Northern Ontario.As Canadians take time to relax, remember: the Métis helped build this country under the July sun. To learn more, visit OntarioMetisFacts.com.All that and more on On The Line. Subscribe at ReadTheLine.ca, follow us on your favourite podcast app, and don't forget to leave us a nice review. Audio drops every Tuesday morning, with video rolling out Tuesday evening on YouTube and our social channels. Catch it wherever you listen or watch.

 In this episode, host Victoria Collier explores what might be the most overlooked—and most valuable—segment of the law firm market: mid-size law firms. Victoria explains why these firms strike the perfect balance between solo practices and large firms, making them especially attractive to buyers. From their scalable infrastructure to their reduced owner-dependence, mid-size firms offer lower risk and higher reward—whether you're looking to buy or sell. What You'll Learn in This Episode •⁠  ⁠What actually defines a mid-size firm (hint: it's not just about headcount) •⁠  ⁠Why buyers are increasingly targeting this “just right” tier of firms •⁠  ⁠The three things sellers should focus on to make their firm irresistible to buyers Victoria Collier is a seasoned attorney, entrepreneur, and expert in law firm sales and valuations. With a background in law and accounting, including her prior military service and CPA training, she brings a unique perspective on the financial intricacies of business valuations. Victoria helps transform law firms into more valuable and sellable businesses, guiding attorneys through life after law.   We want to hear from you! You can leave us a rating and review in Apple Podcasts. Click here and then scroll down the page to the rating and review section. You can also leave us a rating in Spotify by clicking here. Connect with Victoria Collier https://quidproquolaw.com/ Private Facebook Group https://www.facebook.com/groups/1284225722042602 LinkedIn https://www.linkedin.com/company/victoria-collier-coaching/      

In this episode of The Missing Middle, Sabrina Maddeaux and Mike Moffatt are joined by urban planner Alex Beheshti for a deep dive into one of the most overlooked barriers to solving Canada's housing crisis: zoning data. Alex makes the case for a Canadian Zoning Atlas—an ambitious but essential tool to bring clarity, consistency, and transparency to the country's fragmented planning systems. They explore why zoning laws are so confusing, how the lack of machine-readable data cripples good policy, and what Canada can learn from international best practices. If we can map census data, why not zoning? From obscure codes to wedding vows about development charges (really!) this is a conversation about why better data might just be the key to better housing.Chapters00:00 Introduction 01:00 Canada needs a housing crisis map01:29 Alex shares his wedding vows02:48 Previous Alex B episode02:53 Mike's philosophy of experimentation and failure04:05 Understanding zoning: definitions and complexities07:01 The need for centralized zoning data09:19 The massive gap in urban planning data10:30 Envisioning a Canadian zoning atlas12:16 Canada should emulate the US and Australia13:49 Future planning tools for CanadaResearch/links:Canada's Housing Crisis Needs a MapGuest:  Alex Beheshti https://twitter.com/beheshtialexHosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

Send us a textThe mental health system in New South Wales has been in the spotlight of recent months. ABC's recent Four Corners episode “Emergency” about the state's mental health system highlighted the extreme system failures that happen when there is underinvestment in community-based mental health care. The program highlighted that people in deep psychological distress are being left in emergency departments for days, health workers are exhausted and the “missing middle”— those too unwell for a GP but not sick enough for hospital — are being left behind.Our guest for this episode is Dr Evelyne Tadros, CEO of the Mental Health Coordinating Council in NSW, a peak member-based organisation for the community mental health sector.We'll be talking with Evelyne about where Mental Health system reform is at in NSW.You can also listen to our previous episode with Mental Health Victoria CEO Pip Thomas about the system in Victoria and federally.More info:MHCC submissionsCourse in Mental Health Peer Navigation MHCC Newsermha365 provides mental health and disability support for people in Victoria and the Northern Territory. Find out more about our services at our website.Helplines (Australia):Lifeline 13 11 14QLIFE 1800 184 52713 YARN 13 92 76Suicide Callback Service 1300 659 467ermha365 acknowledges that our work in the community takes place on the Traditional Lands of many Aboriginal and Torres Strait Islander Peoples and therefore respectfully recognise their Elders, past and present, and the ongoing Custodianship of the Land and Water by all Members of these Communities.We recognise people with lived experience who contribute to GET REAL podcast, and those who love, support and care for them. We recognise their strength, courage and unique perspective as a vital contribution so that we can learn, grow and achieve better outcomes together.

Why aren't we seeing more multiplexes in Canadian cities—even after zoning reforms? In this episode of The Missing Middle, Sabrina Maddeaux and Mike Moffatt dig into the surprising roadblocks holding back infill housing. From bizarre bedroom caps to height limits that make 10-plexes impossible, they unpack how cities say "yes" to housing... and then quietly say "no." They call out the red tape, NIMBY politics, and why it might be time for provinces to take the wheel. If you're wondering why the housing crisis isn't getting better, this one's for you. (Full disclosure: This episode was recorded on Friday June 18th, before the Toronto city council watered down sixplex legalization, but the conversation remains entirely relevant.)Chapters00:00 Introduction01:51 Push-back to multi-unit buildings03:46 Bedroom limits06:07 Ron Butler episode06:34 The rooming-house factor08:14 Height restrictions and Ottawa story10:40 Restrictions make good architecture difficult12:13 Infil is always harder so restrictions make that even worse14:02 Solutionsresearch/links:Edmonton Zoning Bylaw RenewalCity staff recommend permitting sixplexes in residential areasCity staff recommend allowing sixplexes across all Toronto neighbourhoodsReddit discussion on the above

In this episode, Jeff Bloomfield sits down with Dr. Robin Hills, founder of EI4Change and a global thought leader in emotional intelligence. From his early career in pharmaceuticals to building a digital platform with over 500,000 students across 200+ countries, Robin shares how emotional intelligence—once a mystery to him—became his life's work. The conversation covers everything from emotional regulation and workplace behavior to the neuroscience behind EQ and practical ways to build it. If you've ever wondered why intelligent people struggle with relationships or leadership—or how to better manage your own emotions under stress—this episode offers clear, science-backed answers. Robin's insights are not just theoretical; they're rooted in real-world application and made accessible to anyone. Whether you're a leader, coach, or just someone who wants to stop reacting and start responding, this conversation is for you. Emotional Intelligence (EQ) is Trainable – Unlike IQ, EQ can grow with effort, even into your 70s. Anger is Often a Signal of Violated Values – Recognizing this can turn outbursts into constructive conversations. Mobile Devices Are Killing Situational Awareness – EQ begins with being present. Motivation Is the Missing Middle in the EQ Model – Without it, self-awareness and social skills fall flat. Smart People Can Lack EQ – And often unknowingly sabotage their influence. High EQ Leaders Inspire Loyalty – People follow emotionally intelligent leaders, not just intelligent ones. Use “I Feel” Statements – Emotions can't be argued with; judgments can. Self-Awareness Starts with Daily Habits – Like avoiding your phone until after breakfast. The Best Leaders Coach, Not Command – Questions build connection; instructions don't. EQ in the Age of AI Is More Important Than Ever – Human skills like empathy and emotional regulation will differentiate us. 00:00–07:00 | Intro & Robin's Background 07:00–13:00 | Early Career & Discovery of Emotional Intelligence 13:00–17:00 | Starting EI4Change & The Power of Niche Focus 17:00–21:00 | IQ vs. EQ—Why One is Fixed and the Other is Fluid 21:00–26:00 | Can Low-EQ Leaders Still Succeed? 26:00–31:00 | Smart People & the Phone Addiction Problem 31:00–37:00 | Technology, Dopamine, and Relationship Erosion 37:00–42:00 | The Emotion That Causes the Most Trouble at Work 42:00–47:00 | How to Regulate Anger and Build Healthier Relationships 47:00–52:00 | The EQ Spectrum & Unconscious Competence 52:00–54:00 | Practical EQ Habits & Where to Learn More EI4Change Website Robin's Courses Free Course: Insights into Emotional Intelligence (via link above) Monthly Coaching Bundle (mentioned: June 2025 focus is on coaching)

Jurisdictions across Virginia are closely watching a legal challenge in Arlington to a zoning change known as Missing Middle. Michael Pope tells us about the latest twist.

In this episode of the Missing Middle podcast Sabrina Maddeaux and Mike Moffatt discuss the lack of clear housing goals from political parties, including the Liberals' national housing strategy's focus on low-income earners and the NDP's ineffective communication with younger voters. The conversation highlights the struggle of middle-class individuals to afford housing, the disconnect between political messaging and the lived experiences of young Canadians, and the potential political time bomb ticking as a result of  these housing frustrations. Chapters00:00 Introduction  01:01 The missing middle-class housing strategy 02:11 Housing as a human right can't be the only strategy03:00 There is no vision for middle-class housing04:15 Some politicians have a vision but not the Liberals05:19 The Big Lebowski reference06:31 NDP's struggles with housing communication09:20 The unconscious bias towards social housing11:43 A misunderstanding of what middle class means15:12 Where are the policies that target market housing?16:20 Mike outlines 3 buckets of housing18:57 The rightward shift of young people21:15 The future of home ownership for young Canadians23:20 Saving for retirement without a home26:25 Cost of delivery crisis27:09 Policy solutionsResearch:The Homeownership Journey Is Broken. Policymakers Need to Repair It.Big Lebowski - NihilistsWhy is the NDP doing so badly, even with progressives? Just take a look at their awful housing Housing affordability for Millennials and Gen ZHow Taxes, and Taxes-on-Taxes Add Over $250K to a Vancouver CondoHosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

My guest today is Michelle Arevalo-Carpenter, Co-Founder of IMPAQTO and General Partner at IMPAQTO Capital. Michelle is a human rights lawyer by training, a fund builder by calling, and one of the most compelling system-reimaginers I've ever had on the show.Michelle's journey has taken her from a small apartment in Quito to the halls of Oxford and the UN — and back again. What she learned along the way is that real change doesn't come from reports or elite institutions. It comes from being close to the problem — and the people.Back in Quito, Michelle started where many great entrepreneurial stories begin — with no office, no plan, just an instinct that something better could exist. Over a hundred coffees with local founders, she kept hearing the same themes: isolation, lack of support, funding that didn't fit.In response, she created IMPAQTO, Ecuador's first coworking space for social ventures, not because she had a real estate vision, but because people needed a place to belong. “They weren't paying for square meters,” she said. “They were paying to not be alone.”From there, IMPAQTO grew — into an accelerator, a research platform, a voice in policy. But the biggest problem persisted: no capital. Or rather, the wrong kind of capital.Local businesses needed $10K–$500K. They didn't want to sell equity. They wanted to grow on their own terms. Too big for microfinance, too small for venture. “That's the missing middle,” Michelle said. “That's where we live.”So in 2021, she launched IMPAQTO Capital, a revenue-based investment fund designed not to chase unicorns but to nourish sustainable growth. Michelle described it not as alternative capital, but as capital that's appropriate for the context they're operating in.Rather than chasing foreign LPs, her team went local. They raised over half their first close from Ecuadorian and Andean-region families — people with lived experience inside the very systems the fund aims to change. “Our investors aren't impact tourists,” she said. “They're system insiders.”What Michelle is building isn't just a capital vehicle. It's an ecosystem intervention — a cultural shift that treats belonging as a precondition for growth, and care as critical infrastructure. She's also a co-founder of CLIIQ, a regional research and advocacy platform focused on unlocking catalytic capital for women-led businesses.At IMPAQTO Capital, every deal is evaluated not just on returns, but on whether it preserves the dignity and agency of the founder. Every exit includes a “cap party” — a ritual of closure and celebration that says: You did it. You paid us back. We're done. And we're proud.There's a lot to learn from Michelle. About capital. About leading with trust and care. About staying rooted in a place and still seeing the whole system.But mostly, about how change happens — not from the top down, but from the inside out. Slowly. With proximity. And with people who never forgot where they started.—About the SRI 360° Podcast: The SRI 360° Podcast is focused exclusively on sustainable & responsible investing.—Connect with SRI360°:Sign up for the free weekly email updateVisit the SRI360° PODCASTVisit the SRI360° WEBSITEFollow SRI360° on XFollow SRI360° on FACEBOOK—Additional Resources:IMPAQTO Capital websiteIMPAQTO Ecosystem BuilderMichelle Arevalo-Carpenter websiteMichelle Arevalo-Carpenter LinkedIn

In this episode of the Missing Middle podcast, mortgage broker Ron Butler sits down with conservative pundit Sabrina Maddeaux and economist Mike Moffatt to discuss the current crisis in the Toronto condo market. Ron outlines the vast scope of the problem stemming from pre-construction purchases made during a speculative boom. He explains how investors are facing significant losses as property values decline, while also addressing the broader implications of poor development choices and the lack of low-rise housing options. The conversation explores the role of government in addressing these issues and the potential for positive change in the housing market.Chapters00:00 Introduction Ron Butler01:06 Outlining the Toronto condo market crisis04:07 How much of this story is a Toronto and Vancouver story?05:22 Never go cash-flow negative?07:01 How do we have a glut of condos during a housing shortage?09:51 How condo developers contributed to the crash12:13 Who is Most Affected by the Crisis?14:00 Financing challenges and future outlook15:33 The perfect storm - purpose-built rentals17:18 Government subsidized rentals18:13 The greenbelt and Downview Airport land19:39 Is this the Toronto bubble burst? Is it The One?20:23 Low-rise homes in Toronto - a brief history of artificial scarcity 23:05 What about family sized condos?25:08 What's the best non-terrible case scenario here?27:32 The role of government in housing solutions29:08 It wouldn't be an MM podcast without Mike talking about development charges30:25 Sabrina wants the government to get out of the wayResearch and links:The Angry Mortgage podcastHow low will rents go?416 Condo CrashChart Storm: Five graphs on Toronto's historic condo market collapseGuest: Ron Butler, https://x.com/ronmortgageguyhttps://www.butlermortgage.ca/Hosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

Tanya talks to Carlene Davis, co-founder of Sistahs Aging with Grace and Elegance (SAGE) about doing better by our elders and how caretakers - both current and future - can take better care of themselves, too. Plus, what the “Missing Middle” can do to ensure it has the resources it needs to look after themselves and the people they love.

What's happening in the GTA, Missing Middle and AI with Daniel FochDaniel Foch - Daniel Foch is a real estate broker, market analyst, and co-founder of The Habistat, a real-time real estate data platform. He's widely recognized for his sharp insights into the Canadian housing market, regularly featured in major media outlets like BNN Bloomberg, CBC, and the Globe and Mail. Daniel also co-hosts The Canadian Real Estate Investor podcast, where he breaks down market trends and investment strategies with clarity and candor.2:25 - What's happening in the GTA?7:15 - What about Vancouver, Calgary, etc? 23:25 - The Missing Middle 35:00 - Federal Government next moves45:20 - Artificial Intelligence in Real EstateDaniel Foch podcast - https://thecanadianinvestorpodcast.com/podcast/the-canadian-real-estate-investor Daniel Foch on X - https://x.com/daniel_foch/ To learn more about addy and sign up - https://addyinvest.ca/Download the appiOS - https://apps.apple.com/ca/app/addy-real-estate-investing/id1595926089 Android - https://play.google.com/store/apps/details?id=com.addyinvest.app&hl=en_CAFollow the addy social channels to keep up with everything that's happening in the addy community:Discord: https://discord.gg/addyTikTok: https://www.tiktok.com/@addyinvestInstagram: https://www.instagram.com/addyinvest/Twitter: https://www.instagram.com/addyinvest/Facebook: https://www.facebook.com/addyinvest/LinkedIn: https://www.linkedin.com/company/addyinvest

The best TV shows are like the best restaurants, says Rob Long: familiar, comforting, and just stylish enough. Not everything needs to be a tasting menu or guilty junk — sometimes you just want a steak, buttered broccoli, baked potato and a laugh. So in this era where prestige and junk reign in both food and TV, Rob asks, where are all the Hillstones and Houston's? Transcript here. For more entertainment news, subscribe to The Ankler or apply to The Ladder, a members-only hub for early career entertainment professionals. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Missing Middle podcast, hosts Sabrina Maddeaux and Mike Moffatt discuss the impossible trinity that broke Canadian housing. They explore the implications of stagnant neighborhoods, population growth, and government policies that hinder housing affordability. The conversation delves into the complexities of urban planning, the impact of NIMBYism, and the need for realistic solutions to address the housing crisis.Chapters00:00 Introduction01:06 Gregor Robertson's rough start as Minister of Housing03:51 Increased government housing would impact home prices05:06 Understanding the Impossible Trinity that broke housing07:37 Examples of cities doing two of three10:03 Not allowed to grow up or out equals spiking prices11:21 The illusion of legalized fourplexes14:15 Ottawa's zoning reform and stupid two-story height limit17:33 Toronto's wealthiest areas are the least dense18:20 Proposed solutions for housing affordabilityResearch links:The Impossible Trinity that Broke Canadian HousingCan Homes Become Affordable Without Prices Going Down?Toronto Star fourplex pieceHow Community Consultation is Ruining DemocracyHosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

Learn about the opportunities and challenges in missing middle housing as we interview experts Chris Spoke & Ben Singer Missing middle housing refers to duplexes, triplexes, fourplexes, and townhomes that add density while matching neighborhood character. These haven't been built in decades due to zoning restrictions. These properties offer higher returns than single houses, with basement suites increasing value by 30%. Multiple units provide steadier income by reducing vacancy risk. Recent zoning changes in Canadian cities now encourage these developments, with Toronto, Halifax, and Vancouver allowing 4-8 units per lot. The process and reasons behind the condo method Get in touch with Chris Spoke & Ben Singer Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

Low-carbon infrastructure projects that rely on proven technologies are often overlooked as too early-stage or lacking the scale to attract infrastructure investors. My guest today, Joshua Kaufman, CEO and Co-Founder at Khasma Capital, explains how his company bridges the divide between available capital and the urgent needs of climate-critical projects, specifically Circular Economy and Emerging Energy Transition technologies. These are industries with tremendous potential but high early stage requirements. Khasma Capital works with project developers to de-risk opportunities, attract large-scale funding and successfully reach commercialization.

Kevin Kennon, an award-winning architect, discusses the future of cities, housing affordability, and the role of architecture in urban life. He emphasizes the importance of smarter density, mixed-use developments, and integrating residential, commercial, and community spaces. Kennon highlights the impact of tariffs on housing costs and the need for free trade. He also discusses the benefits of prefabricated components over modular housing and the role of urban transport in housing affordability. Kennon advocates for architects to have a greater role in shaping public policy to improve livability and economic vitality in cities.Please let Gene know your thoughts on Trump's tariffs and any questions or comments regarding this episode by emailing Gene at contact@economicsexplored.com.About Kevin KennonKevin Kennon is an internationally renowned architect with over 40 years of experience, specializing in environmentally sustainable and innovative design. As the founder and CEO of Beyond Zero DDC Inc., Kevin leads the development of zero-carbon emission luxury eco-resorts in remote wilderness locations worldwide, merging design excellence with ecological responsibility. His extensive portfolio includes projects like the 1.5 million square foot Barclays North American Headquarters, the Rodin Museum in Seoul, and multiple award-winning Bloomingdale's stores. Additionally, he led United Architects, a finalist in the prestigious World Trade Center design competition, further solidifying his impact on architectural innovation.  Kevin's expertise spans adaptive reuse, urban planning, and large-scale developments, with projects featured in the permanent collection of MoMA, New York. He has earned over 40 international design awards and is a sought-after thought leader, contributing to discussions on urban development, climate change, and sustainable architecture. His work extends beyond architecture; as an expert witness and lecturer at leading institutions like Yale and Columbia, he brings a multidisciplinary approach to his craft. TimestampsIntroduction (0:00)Kevin Kennon's Journey into Architecture (2:53)Economic Considerations in Architecture (7:13)Impact of Tariffs on Housing Affordability (11:22)Challenges in Housing Development (15:53)NIMBY Issues and Urban Development (18:19)Principles of Better Urban Design (21:00)Social Housing and Public Investment (33:01)Role of Urban Transport in Housing Development (38:05)Modular Housing and Productivity (44:12)TakeawaysSmarter Density is Key: Cities should move away from rigid zoning that separates residential and commercial spaces, instead creating mixed-use developments that blend different functions and create more vibrant, integrated neighborhoods.Architecture is About Imagining the Future: Architects are not just solving spatial problems, but are critical thinkers who can help design more livable, affordable, and sustainable urban environments that address complex social and economic challenges.Economic Considerations Drive Urban Design: Real estate development is deeply influenced by economic factors like tariffs, interest rates, and investment strategies, which significantly impact housing affordability and urban development.User Control Enhances Productivity: Workplace design should focus on giving people greater control over their environment, including temperature, lighting, and space configuration, which can improve overall productivity and satisfaction.Modular Housing Has Limitations: While prefabricated housing components show promise for reducing construction costs, they are not a magic bullet for housing affordability. Successful solutions require a holistic approach considering local conditions, transportation, and community needs.Links relevant to the conversationKevin's Wikipedia entry:https://en.wikipedia.org/wiki/Kevin_KennonEconomics Explored episode w/ Natalie Rayment, YIMBY QLD on the Missing Middle in housing:https://economics-explained.simplecast.com/episodes/missing-middle-housing-other-urban-planning-issuesLumo Coffee promotion10% of Lumo Coffee's Seriously Healthy Organic Coffee.Website: https://www.lumocoffee.com/10EXPLOREDPromo code: 10EXPLORED Full transcripts are available a few days after the episode is first published at www.economicsexplored.com.

Emergencies and retirement. This is what we're taught to save for. But what if you created a different system, which allowed you to pay for the expenses you will incur between now and retirement age – without losing the ability to build wealth? Find out why you may need to rethink your financial planning approach and what you should do about the “Missing Middle.” According to popular opinion, sound financial planning advice typically consists of two main steps: saving for emergencies and saving for retirement. Brian found this to be slightly misleading because of the phenomenon he refers to as “The Missing Middle.” Think about how life generally goes: there are car payments, furniture, credit cards, tuition… you also have money going into an account that you can't touch until you're 60 and then, before you know it, you have thousands of dollars of debt. And that's by following general advice. However, opting for a less traditional and more customized approach allows you to pay for the expenses you incur between now and retirement – the middle of your life, without entirely losing the ability to build wealth. Brian believes that the real benchmark you're going to use should be based on your personal needs, goals, and financial situation. When there are big expenses people don't account for in their regular cash flow, one of two things happens. People either continually deplete savings in order to pay for the things in cash (constantly funneling money back into their bank account to replenish the emergency fund). Alternatively, they finance everything with bank loans and credit cards. Neither option leads to wealth being created. Brian is convinced that you should model your entire financial life around your actual life, instead of around arbitrary concepts or ideas that don't fit into the puzzle of what you're actually trying to create (Brian calls this Your Life Cycle Model). In the Life Cycle Model individuals allocate resources over their lifetime with the aim of avoiding sharp changes in their standard of living, while avoiding debt and simultaneously building wealth. Brian explains how using the so-called build banking instead of a traditional bank can help you leverage the Life Cycle Model (and why you shouldn't compare it to the stock market). People tend to separate their money into two buckets: saving and spending. Brian explains why that may not be the best of approaches – and what to do instead.     Mentioned in this episode: BrianSkrobonja.com BuildBanking.com How Long Will My Money Last in Retirement     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS.   The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure.   This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place.   Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier.   This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

In this episode, conservative pundit Sabrina Maddeaux and economist Mike Moffatt discuss the significant decline in the construction of three-bedroom homes in Ontario, particularly in the Greater Toronto Area (GTA). They explore the implications of the 'baby bust' phenomenon, where fewer families are able to afford suitable housing, leading to a decrease in birth rates. The conversation delves into the regulatory barriers and economic conditions that have contributed to the housing crisis, emphasizing the need for policy changes to address the missing middle in housing options. The episode highlights the challenges faced by young families in navigating the current housing market and the importance of providing both rental and ownership opportunities.Chapters00:00 Introduction00:51 The baby bust and housing trends03:08 Why aren't more 3-bedrooms being built?05:3 Home ownership is falling in parts of Ontario08:28 The Missing Middle's North Star09:00 Renting or owning, it should be a choice12:30 Housing and fertility18:14 Should the government step in?19:35 Mike reminisces about Lawn Darts21:00 Urban growth boundaries have consequencesResearch/LinksPoilievre catches heat from opponents for talk of 'biological clocks'The Baby Bust and the Death of the Three-Bedroom Ownership HomeHard evidence on the link between housing and fertility.https://x.com/mikalskuterud/status/1907114728108773444https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5046571Hosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

In this episode of The Missing Middle, hosts Sabrina Maddeaux and Michael Moffatt discuss the housing platforms of Canada's major federal parties as they approach the April 28 election. They analyze the promises made by the Liberals, Conservatives, and NDP regarding housing starts, affordability, and the implications of these policies on young Canadians. The conversation delves into the commonalities and differences in party platforms, the impact of municipal incentives and rent control, and critiques of the math behind the promises. They also explore the sociological implications of housing policies and the relationship between immigration and housing supply.Chapters00:00 Introduction01:29 Examining the housing start pledges03:53 Housing platform commonalities04:39 Municipal incentives06:55 NDP's rent control promise examined10:47 Eliminating the GST on New Housing13:27 Math is hard for both Liberals and Conservatives and the PBO20:33 Not particularly bold housing ideas24:14 Immigration targets and housingLinks:Liberal PlatformConservative PlatformNDP PlatformHosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

We are in the final week of the Canadian federal election. And while Trump's trade policy has received much coverage this election season, our housing crisis has been less of a priority for the legacy press. We at Lean Out happen to think this is the most important issue in the country — and so, on today's program, our guest is here to answer every question you've ever had on the crisis, and how we got here.Mike Moffatt is a Canadian economist, the founding director of the Missing Middle Initiative, and co-host of the Missing Middle podcast. Mike Moffatt returns to the program, today on Lean Out.This episode was taped last week, before the release of the Liberal platform and the Conservative announcement of its housing plan.You can find Tara Henley on Twitter at @TaraRHenley, and on Substack at tarahenley.substack.com

Before Austin City Council took off on Spring Break, it took several actions to address quality of life issues, like boosting the city's inventory of “missing middle” housing, addressing how we maintain our public art, recommitting to transparency in meet-and-confer processes, and more. Host Nikki DaVaughn is joined by The Austin Common's Amy Stansbury to get into council's latest actions — plus unpack what Mayor Kirk Watson means when he warns of “budget asteroids” in Austin's future.  Learn more about the sponsors of this March 18th episode: Tecovas Visit Port Aransas Babbel - Get up to 60% off at Babbel.com/CITYCAST Want some more Austin news? Then make sure to sign up for our Hey Austin newsletter.  Follow us @citycastaustin You can also text us or leave a voicemail.  Interested in advertising with City Cast? Find more info HERE 

In this episode of The Missing Middle, hosts Sabrina Maddeaux and Michael Moffatt discuss the recent announcement of a high-speed rail project in Canada with transit expert Reece Martin. They explore the details of the proposed rail line, the political motivations behind it, and the challenges Canada faces in implementing effective transit solutions compared to other countries. The conversation highlights the need for a shift in approach to infrastructure projects, emphasizing the importance of political will, investment, and learning from international best practices.Chapters00:00 Introduction01:16 High-speed rail announcement outlined02:31Why doesn't the route go further south?04:20 Canada studies high-speed rail a lot06:49 Why is Europe so much better at rail?08:50 Comparing Canada's ability to build HSR to other countries11:13 Why is it so much more expensive to build in Canada?13:34 Reese becomes Canada's HSR Czar16:05 A vision for high-speed rail in Canada18:20 Examining the California rail debacle21:00 How do you convince drivers that rail is good for everyone?24:20 Reese's analysis of the Canada's political landscapeLinks:Reese Martin on the Missing MiddleHigh-speed rail line with 300 km/h trains will run between Toronto and Quebec City, Trudeau announcesHigh Speed Rail CanadaEglinton Crosstown will open no earlier than mid-2025, TTC chair saysCalifornia watchdog says high-speed rail on track to blow more deadlinesWhy Passenger Trains Suck in Canada - VIA RailNorth America Will Never Be the Netherlands - Interview with Not Just BikesGuest:Reece Martin https://reecemartin.ca/about/https://www.youtube.com/@RMTransitHosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

Why Aren't Developers Making Prosumer and Small Business Apps Anymore?

The Toronto real estate market is making national headlines, with growing concerns about a condo crisis that has both buyers and developers feeling the pressure. In this episode, we sit down with renowned Toronto Realtor Tom Storey to break down what's really happening on the ground. With reports of buyers failing to close on pre-sale units and developers facing insolvency, we discuss how these issues are playing out in real-time and whether they're as severe as they sound. Are condos the only segment struggling, or is the slowdown affecting all types of housing? And how does Toronto's market compare to what we're seeing here in Vancouver? With both cities navigating high borrowing costs, policy roadblocks, and affordability concerns, we examine the parallels and key differences between the two.A record-low number of new projects launched in January, raising questions about whether developers will be on pause for most of 2025. We explore whether rising development charges, lengthy permit processes, and shifting buyer demand are keeping new housing from coming to market. These same issues have been major inhibitors to new supply in B.C., and we compare how government policies in both provinces are shaping future development. Additionally, with 50%+ of Canadian mortgages set to renew at significantly higher rates over the next two years, we assess how this looming financial pressure could impact both homeowners and investors. Are investors checking out of the market entirely, or are new opportunities emerging in the current landscape?Beyond the immediate slowdown, we also look at long-term structural issues. Toronto, much like Vancouver, has long been criticized for its lack of "Missing Middle" housing—smaller, multi-unit developments that could provide a bridge between high-rise condos and detached homes. We ask Tom whether Toronto has made any meaningful progress in addressing this gap and if there are solutions that could help increase supply. We also touch on the contentious topic of Ontario's Greenbelt—could opening up more land be a solution to affordability and supply issues, or would it create more problems? Additionally, with new tariffs looming over the construction industry, we analyze the potential ripple effects on housing costs and supply.Despite the uncertainties, market shifts often bring opportunities. Tom shares insights on where buyers and investors should be looking right now, what strategies are working for those still active in the market, and what potential silver linings could emerge from this downturn. And while there are real concerns about the future, there are also reasons for optimism. We wrap up by asking Tom what excites and scares him most about the future of Toronto real estate and how the market might evolve over the next few years. If you're looking for a deep dive into one of Canada's most talked-about real estate markets—and how it compares to Vancouver—this is an episode you won't want to miss! _________________________________ Contact Us To Book Your Private Consultation:

Greg Brady, host of Toronto Today focused in on it appears that Toronto has finally decided that the massive amounts of snow that hit our city might need to be removed and not just pushed around. Next, dramatic footage and stories involving deceased Israeli hostages being returned to Israel by Hamas in exchange for six prisoners. One of the hostages was just six months old. Also, Prime Minister Justin Trudeau announced a high speed rail line between Toronto and Quebec City. Mike Moffatt, Economist, Founding Director of PLACE Centre and Co-Host of "Missing Middle", joins us now to discuss how everyone west of Toronto feels about being left out. Also, Melanie Bennet, co-host of the Canadian Culture Wars Report, joins us now to share her insights on where we're at in education. Lastly, do kids belong at weddings, or are weddings really an adult affair?   Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Missing Middle podcast, Sabrina Maddeaux and Mike Moffatt discuss the phenomenon of the 'relationship recession,' exploring its causes, implications for society, and the economic challenges it presents. They delve into how changing social dynamics, economic pressures, and technological advancements are reshaping relationships and family structures, particularly among younger generations. The conversation highlights the impact of these trends on the middle class and the need for policy solutions that address the root causes of declining relationship formation.Chapters:00:00 Introduction01:31 Understanding the relationship recession04:40 Scott Galloway's theory of men06:28 The role of technology09:05 How much of this is a choice?11:06 Incentives versus structural barriers13:09 Economic implications of relationship trends14:40 The role of unaffordable rents on relationships17:00 the expansion and retraction of personal choiceLinks:The relationship recession is going globalA Few(er) Good MenWhy Americans Suddenly Stopped Hanging OutLoneliness in CanadaHosted by Mike Moffatt & Cara Stern & Sabrina Maddeaux Produced by Meredith Martin This podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

In the latest Better Money Better World  podcast episode, Daniel is joined by Brian Wayne, Managing Partner and Co-Founder of CurvePoint Capital. CurvePoint Capital is a private investment firm dedicated to advancing climate-focused innovation. Founded in 2024, it is committed to generating attractive returns for investors while fostering a sustainable and prosperous economic future. Brian shines the spotlight on the missing middle in capital for middle-stage companies. By filling a capital gap in the investment landscape, CurvePoint aims to balance risk and reward uniquely, driving significant environmental and economic progress. Tune in to hear how CurvePoint's approach to debt financing offers flexibility and lower costs compared to traditional equity. Brian shares his approach to balancing capital, risk, and return expectations, emphasizing the goal of getting invested money back with interest and equity upside. 

In this episode of the addy podcast, Steve Jagger chats with Brad Cartier, President of Blair Capital, about navigating the ever-changing real estate landscape. Brad shares his perspective on: The advantages of missing middle multifamily developments Opportunities from government incentives like upzoning and HST rebates Challenges and solutions in managing development projects during volatile times Insights into Blair Capital's ongoing and upcoming projects Whether you're a real estate enthusiast, investor, or developer, this episode offers valuable insights into strategic property development and investment trends.

Just Climate is a 1.5bnUSD vehicle established by Generation Investment with the mission to invest in the highest impact solutions that can radically reduce or remove emissions. They occupy the “missing middle” between VC and PE-Infra allowing growth, FOAK and deployment. Their positioning comes on the heels of VCs such as Prelude Ventures, Energy Impact Partners or Breakthrough Energy Ventures.Laurent and Gerard invite its CEO, Shaun Kingsbury, the “inventor” of North Sea Offshore Wind when he was at the head of UK Green Investment Bank.We talk about the investment thesis and its portfolio. Steel? Cement? Electro-mobility? Gerard discusses the general environment when it comes to Climate Tech (not great) and wonders if the third wave of Green Investment is not hitting a wall after years of exuberance.Shaun concludes that there is no future for climate innovations if they don't deliver attractive risk-adjusted financial returns. There will be short term bumps, but the long term is bright.

In the urbanism and planning world, we talk a lot about Missing Middle Housing. Rightfully so, since it's a critical element that helps a community succeed and provide the total range of housing options. And, it's historically what we used to build a LOT of, before the advent of zoning and modern development codes.Hal Shapiro of Real Property Group in Overland Park, KS, talks with us about his unique niche and take on working in this field. Hal started on the lending side of the equation, and eventually worked his way into property ownership and development. But his projects are something different than what we talk about with Missing Middle Housing. Hal has worked on projects somewhat larger than the historic four and six and twelve-plexes we talk about so much. But he's also much smaller than the big boys.Hal and I had a chance to reconnect at the most recent Small Scale Developer Forum, hosted by Jim Heid. I interviewed Jim recently on the podcast as well. Hal has been very involved in the Forums for several years, and is an enthusiastic supporter of entrpreneurship generally. Hal offers some great tips in this for working at a unique scale, that hardly anyone else pursues. For anyone that's got a bit of experience in the development world, and loves walkable places, this is definitely worth a listen.Find more content on The Messy City on Kevin's Substack page.Music notes: all songs by low standards, ca. 2010. Videos here. If you'd like a CD for low standards, message me and you can have one for only $5.Intro: “Why Be Friends”Outro: “Fairweather Friend” Get full access to The Messy City at kevinklinkenberg.substack.com/subscribe

Ready to break into home ownership without the burden of a hefty down payment?  How can fractional real estate investment provide impact to local communities and help first-time buyers, while also providing strong returns to investors? This episode of the Exit Strategies Radio Show unveils a game-changing solution with Frank Rohde, Founder and CEO of Ownify. With an extensive background in real estate and mortgage industries, Frank has been working tirelessly to address the affordability challenges facing first-time homebuyers. Frank Rohde shares insights into how Ownify is revolutionizing the way people approach homeownership. He discusses the unique model that allows buyers to enter the housing market with just 2% down, buying a home "brick by brick" over time. Frank explains the importance of empowering the community through innovative solutions that bridge the gap for those who are often left behind by traditional mortgage systems.  Listen in to learn how Ownify is making homeownership more accessible and what this could mean for the future of real estate. Key Takeaways: 09:58:   Ownify allows first-time buyers to purchase homes in fractional shares, making homeownership more accessible. 10:44:  The Ownify program helps buyers avoid the burden of large down payments while building equity over time. 12:06:  Investors can support local communities by investing in the Ownify Home Fund, which provides returns through home price appreciation and rental income. 13:17:  The program is designed for the "missing middle," individuals with good incomes but limited wealth, such as teachers, nurses, and public sector workers. Connect with Frank@:  Website: https://ownify.com/  Instagram: https://www.instagram.com/ownifyhome/ Facebook: https://www.facebook.com/ownifyhome Twitter: https://twitter.com/ownify  LinkedIn: https://www.linkedin.com/company/ownifyhomes/ Connect with Corwyn@: Contact Number: 843-619-3005 Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠ FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠ Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠ Website:⁠ https://www.exitstrategiesradioshow.com⁠ Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠ Shoutout to our Sponsor: EXIT Realty Lowcountry Group Do you want something more? More Meaningful Moments opportunities, deeper relationships and memorable experiences? Do you want to make a difference? If you say YES, a career and real estate could be the opportunity you're looking for guiding people to one of the most important decisions they ever made, the purchase or sale of their home can be both rewarding and lucrative.  EXIT Realty has a revolutionary compensation model training and technology that provides you with the tools you need to start and build your successful real estate career. Call EXIT Realty Lowcountry group today at 843-619-3005 that is 843-619-3005 or visit https://exitlowcountry.com/joinexit and make your Exit today. --- Support this podcast: https://podcasters.spotify.com/pod/show/corwyn-j-melette/support