Podcasts about most canadians

The Smith Manoeuvre is an efficient strategy to use equity in your home to invest for your future without using your cash flow. It converts your mortgage over time into a tax deductible investment credit line. Most Canadians are searching for a feeling of financial security, but all the bills & life expenses mean they never build up enough of a nest egg to be secure. The Smith Manoeuvre is a strategy that can help you build your nest egg and help you achieve the retirement you want without using your cash flow. We have become known as experts in the Smith Manoeuvre, having helped hundreds of Canadian families implement it. It is one of the most effective wealth-building strategies when done by the right people in the right way over the long term. In my latest podcast episode you'll learn: What is the Smith Manoeuvre? What are the benefits? What are the risks? How do you manage the risks? How do you implement it? How do you avoid having to use your cash flow? How long should you ideally do the Smith Manoeuvre? Are there really 8 Smith Manoeuvre strategies? Is it legal? What is the best way to invest with the Smith Manoeuvre? How can I learn more and find out whether the Smith Manoeuvre is right for me?  

In the absence of dirt, make it up. Conservatives are getting desperate in the final days of the 2025 Canada Election campaign, spreading the most vindictive mistruths about Prime Minister Mark Carney. Someone should tell them its dangerous to throw stones in glass houses… And, is “the Trump Factor” still a legitimate concern, as the 2025 Canada Election is wrapping up? Let's talk about it!In this episode of The Bill Kelly Podcast, host Bill Kelly discusses the upcoming Canadian election, focusing on polling trends, the influence of Donald Trump on Canadian politics, and the dynamics between candidates Mark Carney and Pierre Poilievre. Kelly emphasizes the importance of voting and civic engagement, urging listeners to participate in the democratic process.Become a channel member to unlock early access to new content as well as exclusive members-only videos such as Bill's new segment, Moral of the Story, where he recounts his life lessons and personal stories about life as a broadcast journalist spanning industries like sports, music, entertainment and politics.Become a channel member: https://www.youtube.com/channel/UCeUbzckOLocFzNeY1D72iCA/joinDon't forget to like, follow and subscribe across our channels! Thank you.Listen to The Bill Kelly Podcast everywhere: https://kite.link/the-bill-kelly-podcastYouTube: https://www.youtube.com/@TheBillKellyPodcast/featuredBlueSky: https://bsky.app/profile/thisisbillkelly.bsky.socialFacebook: https://facebook.com/TheBillKellyPodcastInstagram: https://www.instagram.com/thisisbillkelly/LinkedIn: https://www.linkedin.com/in/thisisbillkelly/SubStack: billkelly.substack.com/CHAPTERS00:00 Election Insights: Polling and Predictions03:04 The Trump Factor: Impact on Canadian Politics06:16 Carney vs. Poliev: Leadership Dynamics09:06 Misinformation and Political Strategy12:21 The Importance of Voting and Civic Responsibility18:28 Injured? Call Wissenz Law! 905 522 1102FURTHER READINGFIND OUT YOUR VOTING STATION AND ACCEPTABLE IDENTIFICATION (Even if you don't have your voting card or an ID card with your address, you can still vote!):https://elections.ca/Most Canadians feel as safe or safer than 10 years ago, Nanos poll finds. Conservative voters are another story.https://www.ctvnews.ca/federal-election-2025/article/most-canadians-feel-as-safe-or-safer-than-10-years-ago-nanos-poll-finds-conservative-voters-are-another-story/CBC News Poll Trackerhttps://newsinteractives.cbc.ca/elections/poll-tracker/canada/Read the Full Transcript of Donald Trump's ‘100 Days' Interview With TIMEhttps://time.com/7280114/donald-trump-2025-interview-transcript/Canadians more likely to trust Carney to keep campaign promises than Poilievre: Nanos surveyhttps://www.ctvnews.ca/federal-election-2025/article/canadians-more-likely-to-trust-carney-to-keep-campaign-promises-than-poilievre-nanos-survey/Opinion | All Pierre Poilievre had to do was strongly oppose Trump. This is why he couldn't easily do so (By: David Coletto)https://www.thestar.com/opinion/contributors/all-pierre-poilievre-had-to-do-was-strongly-oppose-trump-this-is-why-he-couldnt/article_f22219fd-9577-4a23-82f3-cef6ca813d91.htmlHarper Government Leads by Example at World Economic Forumhttps://www.canada.ca/en/news/archive/2014/01/harper-government-leads-example-world-economic-forum.htmlWATCH: PIERRE POILIEVERE PRAISES THE WORLD ECONOMIC FORUM!https://crier.co/watch-pierre-poilivere-praises-the-world-economic-forum/HASHTAGS#News#Politics#ElectionCanada#MarkCarney#Liberals#LiberalParty#BreakingNews#politicalnews#newsupdate#canadanews#CanadaElection#canadianpolitics#CanadianNews#podcast#NewsPodcast#PoliticalPodcast#PoliticalNews#PoliticalCommentary#Election2025#NewsUpdates#PoliticalDebate#PoliticalInsights#CurrentAffairs#NewsCommentary#PoliticalCommentary#TodayNews#NewsToday This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit billkelly.substack.com/subscribe

Most Canadians don't believe that Liberal Leader Mark Carney would balance the budget if he's elected prime minister. Liberal leader Mark Carney promoted a nuclear company owned by Brookfield Asset Management while discussing potential energy investments. The recent landmark ruling on the legal definition of a woman in the U.K. has brought renewed attention to Canada's own laws on the matter. Tune into The Daily Brief with Isaac Lamoureux and Geoff Knight! Learn more about your ad choices. Visit megaphone.fm/adchoices

Most Canadians will cheer for any Canadian NHL team in the playoffs this year due to our political climate. Locker says yes! Is that truth or trash? The Green Zone

Most Canadians don't see a time in their lives when they will be able to live without debt. Car payments, credit card payments, student loans, the list goes on and on… Is it possible to really live and not be in debt? Sven Tornlov believes that it is not only possible, but that we are not really living until we are out of debt.

When I was growing up, Canada seemed like an open and liberal society where Jews could feel at home. Today, this is no longer the case. Most Canadians of my generation probably agree.

From trucker to freedom fighter: Chris Barber's battle for Canada's soulNeoborn Caveman is joined by Freedom Convoy hero Chris Barber for a raw look at Canada's fight for sovereignty. Chris shares the truth about the peaceful protest that shook the world and exposed what really happened when truckers stood up against government overreach. From frozen bank accounts to court battles, nothing's off limits.Warning: This episode contains dangerous amounts of truth, common sense, and old-school Canadian values. May cause sudden urges to stand up for freedom.We're talking:- How the Freedom Convoy woke up millions worldwide- The real cost of standing up to tyranny- Why censorship laws are just the beginning- What happens when good people stay silentPlus:- Why your small town might save Canada- The power of multi-generational homes- Getting your hands dirty in local politics- Building communities that can't be brokenKey Takeaways:- The Freedom Convoy was more than trucks - it was hope on wheels- Government overreach isn't stopping - it's accelerating- Most Canadians are waking up, but too many are still sleeping- Non-compliance works when we stand together- Local politics and community building are our secret weapons- Family heritage and hard work still matter- Small towns hold the key to Canadian freedomSupport the show and join the resistance on our Patreon: https://www.patreon.com/TheNeobornCavemanShowRemember: you are worthy, you are special, you are one of a kind!........ Hosted on Acast. See acast.com/privacy for more information.

This is How Much Canadians Pay For Free Public Health Care – 2022 We often boast about our free health care, and we use it to justify our higher taxes, especially to our friends south of the border. But, do you know the true cost of our public health care system? Most Canadians are unaware of the cost as general government revenue funds Canada's public health-care system. https://www.todocanada.ca/this-is-how-much-canadians-pay-for-free-public-health-care-in-2022/ Massive new survey finds widespread frustration with access to primary health care OurCare Initiative finds primary care is the top concern as 6 million people go without a family doctor https://www.cbc.ca/news/politics/primary-care-canada-10-000-canadians-report-1.7125990 Waiting... View Article

Most Canadians are eager to combat climate change. But how? One actionable area is reducing emissions from our homes. In episode 141 of thinkenergy, Sarah Grant, founder and co-owner of Goldfinch Energy, shares ways you can reduce your home's reliance on fossil fuels. Goldfinch Energy is a women-owned, Toronto-based organization offering energy assessments, clean tech roadmaps, and green renovation support services. Listen in to learn about home decarbonization and electrification solutions. Related links   Goldfinch Energy: https://www.goldfinchenergy.ca/  Sarah Grant on LinkedIn: https://www.linkedin.com/in/sarah-grant-89ba152b/ Natural Resources Canada Energy Advisor program: https://natural-resources.canada.ca/energy-efficiency/homes/professional-opportunities/become-registered-energuide-rating-system-energy-advisor/20566  Trevor Freeman on LinkedIn: https://www.linkedin.com/in/trevor-freeman-p-eng-cem-leed-ap-8b612114/  Hydro Ottawa: https://hydroottawa.com/en     To subscribe using Apple Podcasts: https://podcasts.apple.com/us/podcast/thinkenergy/id1465129405   To subscribe using Spotify: https://open.spotify.com/show/7wFz7rdR8Gq3f2WOafjxpl   To subscribe on Libsyn: http://thinkenergy.libsyn.com/ Subscribe so you don't miss a video: https://www.youtube.com/user/hydroottawalimited   Follow along on Instagram: https://www.instagram.com/hydroottawa   Stay in the know on Facebook: https://www.facebook.com/HydroOttawa   Keep up with the posts on X: https://twitter.com/thinkenergypod Transcript: SPEAKERS Trevor Freeman, Sarah Grant Trevor Freeman  00:07 Welcome to think energy, a podcast that dives into the fast, changing world of energy through conversations with industry leaders, innovators and people on the front lines of the energy transition. Join me, Trevor Freeman, as I explore the traditional, unconventional and up and coming facets of the energy industry. If you have any thoughts, feedback or ideas for topics we should cover, please reach out to us at thinkenergy@hydroauttawa.com, hi everyone, and welcome back. And welcome back from the summer. As you know, think energy paused over the summer, and hopefully you got a break over the summer as well, time to rest and be rejuvenated. There were certainly times of that for us here. I was able to get out and do some camping and canoeing with the family, which, if you're not from Canada, if you're if you're not in Ontario, there's some fantastic camping and canoeing spots here, so come and check them out. But it was also a busy summer. Things, some things do slow down, and others just seem to fill in that empty space in the calendar. So, we've been busy and hard at work. One of the things we've been doing is spending some time thinking about what this next season of think energy has in store. There are lots of great topics to explore, lots of interesting and smart people out there to talk to the world of the energy transition and energy in general is not slowing down. In fact, it's picking up steam quite a bit. So, lots to dive into this season. We may take a different approach on some topics, on some episodes. We might try out some new things. So yeah, come along for the ride. So today, for our first episode of the season, we're going to kick things off with something close to home, and you will forgive me for that very intended and poor pun, because we're talking about home decarbonization and electrification. We know that most Canadians want to do something about climate change. The data shows us this, and you can go back and listen to my conversation with David Caletto from abacus data for more information on this. We want to live in a society that isn't producing harmful emissions that are jeopardizing our future, but it often feels like so much of that is out of our control. So when it comes to climate action, what we often look to is those things that are in our control, which, for those fortunate enough to own their own homes, is the emissions that result from where we live and, by extension, for somehow we get around the city, so our vehicles, even that action, however, can be daunting if we don't know where to start and we don't know what our options are, and we're relying on contractors, or tradespeople who tend to take maybe a more traditional, fossil fuel based approach. There are great contractors out there, but sometimes it's hard to find them, so today we're going to explore that a little bit. Now I do want to throw a quick caveat out there to say that this conversation is really through the lens of kind of a single family or semidetached home, and through the lens of those that either own their own home, or at the very least have some decision making. Power for that home. Decarbonizing multi-unit buildings like apartments or condos or decarbonizing for renters, is a whole different but equally important conversation that I do plan on tackling at another time. So my conversation today is with Sarah Grant, who is the co-founder and co-owner of Goldfinch energy. Goldfinch energy is a Toronto, Ontario based, women owned small business that is dedicated to helping Canadians reduce their homes reliance on fossil fuels. They offer energy assessments, clean tech roadmaps and green renovation support services. Sarah has degrees in engineering and computer science. She's held leadership roles in renewable energy and local food systems, and is a certified energy advisor. And is really someone who's just passionate about tackling climate change and passionate about talking about it as well. So, I think you're going to enjoy the conversation today. Sarah, welcome to the show.   Sarah Grant  04:21 Thanks for having me   Trevor Freeman  04:22 so. Full disclosure to our listeners here, Sarah and I have actually known each other for quite a long time. And I was trying to do the math there, I think it's like getting close to 20 years now, and we know each other from a different line of work. We both were in international developments and worked overseas for a while. So, I think my first question is, tell us how you came to be in the home energy business. That's a bit of a shift from international development. And then tell us a little bit about what Goldfinch energy does.   Sarah Grant  04:53 Awesome. It is true. It is a bit of a shift, although I have always been interested in big, big problems that the world is facing, and working in international development, yeah, I guess 20 or so years ago, I could already see the impacts of the climate crisis, working with subsistence farmers, hearing them tell the stories of how they would plant and um, reigns weren't as predictable as they had been before. And so, when it was time for me to come back to Canada live a bit closer to family, it was something that I was always interested in, and felt like it was another global problem that I could start working on more locally, more specifically, sort of how Goldfinch was born was, to some extent, out of the pandemic. So, some goodness came out of that. Early in the spring, I was working in another sort of climate focused endeavor, a nonprofit that it was clear wasn't going to do very well with the pandemic ongoing, and a friend actually approached me and said, hey, I have this idea. She herself had been working in the sort of climate change world and had had a furnace die, and had asked about heat pumps, and was just laughed at. So, she ended up with a oversized, gas guzzling furnace to continue to heat her home and knew she could have done better. So, Goldfinch energy was sort of born out of that idea that we're not alone. Many of us want to do something, and our homes are a large portion of our individual commissions. If you are lucky enough to own a home, that is, and there are small steps, big steps you can take. All of it matters. And so that's Goldfinch. So, we then, early on, decided, in order to help people, it was going to be useful to become energy advisors. So, I took some training. Actually, it's a really interesting program the federal government through Natural Resources Canada administers the, I guess, the industry of being an energy advisor. And so, there are sort of two exams you take. And so, we studied in 2020, and launched Goldfinch energy with the idea that, after doing some market research as well that, you know, what was really going to be helpful was being able to help people sort of break down the complexity of what's going on with their homes, what they can do to address the climate change crisis. And also, you know, with a home, it's also not just about that. It's about maybe making it a bit more comfortable, or maybe there's a planned renovation that someone might want to do to change the layout, what have you. And so, we establish golden energy to help people make their homes better for the planet and for themselves.   Trevor Freeman  07:52 Great. Yeah, it's, I think I hear that a lot from folks, and it's in my own experience of, you know roughly that you want to do the right thing, you know, roughly that, yeah, I want to, you know, reduce carbon, but I don't know how. And the answer I'm going to get from my average contractor is not going to point me in that direction. I'm hoping that we're seeing some change, and folks like you guys are maybe pushing that a little bit, but it's great to know that there's organizations out there that can provide that direct support. So, I mean, what we're talking about today is pretty much home electrification, or, let's say, home decarbonization. And so, let's pull apart what that looks like. And there's probably a few different scenarios of how a homeowner could approach this work. There's the one that you described where your furnace kind of dies in the middle of January, which is my own experience a number of years ago. And you have to make a really quick decision. But let's park that scenario for now. Let's talk about if you have time, if you know you want to do this, and you can start planning now, what where do you start? And, oh, you know, looking through the services that you guys provide, you have the energy assessment, the cleantech roadmap, talk us through some of those tools that you use to help people kind of start their decarbonization journey.   Sarah Grant  09:16 So, this is a great question. The best way to start is just by getting a sense of where your home is now. A lot of the homes that I work in, I'm based in Toronto, are 100 plus years old. So, you know, when they were first built, didn't have any insulation. They leaked like a sieve. They were probably heated with wood or some type of fossil fuel. And you know, different expectations were had and over the over the decades, often homes have had a myriad of homeowners and renovations or no renovations. So, an energy assessment is a way for someone to better understand what's going on with their home right now and our clean tech roadmap, then segues from that and helps goes deeper into okay, I now know where my home is losing heat, where you know how efficient or not it is, what levels of insulation exist in behind the walls and in the attic, and you know how drafty it is. There's a cool tool that we use to measure that, the clean tech roadmap, then puts that assessment and translates that into helps people translate that into a plan that they can then ideally act on. So, this plan includes details like, Okay, what you know if you are going to be renovating the basement, stay and want to finish that space. What are the recommended insulation materials that you should use? And how should you treat water? Because, you know, often basements are a little bit below the water table. So, what does that look like? How can we better air seal that space to make it less drafty as well? And maybe you're going to be touching the heating or the hot water. So, what are the options there? What are some contractor names? So, it's really designed to give people all the tools that hopefully they may need if they have the time to not only understand where their home is at, but what they can do and then even have everything at their fingertips to start to seek out quotes and start to take action on their home in the way that's best suited to them. So, some homeowners are able and fortunate enough to kind of do everything in one big bell swoop of, you know, a big, big renovation, perhaps, or, you know, over a few months' time, able to kind of get, get everything off the list. A lot of the homeowners that we work with aren't in that sort of circumstances. A lot of homeowners who just bought a house, so the house is new to them, but maybe 100 years old. And so, having that clean tech roadmap in their hands then allows them to sort of say, Okay, well, what? What do we want to do this year and the next year, and I've had people that, you know, we worked with four years ago, have who have come back to me a few years later and said, Okay, well, now we're ready to do this? Can you help us which, which is so great, so it's designed to sort of meet people where they are, where they are, with their goals, with their budget and their lifestyle. Because not everyone can afford to kind of do all the you know the right things all at once.   Trevor Freeman  12:24 Yeah, so, I think like having someone in to one understand what's there, because not everybody knows exactly what's in their house, as you said, and then have that plan. That doesn't mean you have to implement the plan today all at once, but knowing you know when this piece of equipment goes or when I work on this part of the house, here's what I'm going to do, here's the things I need to consider. And having that kind of in your back pocket. Or when you do that work is super helpful. You touched on something else that I want to ask you about, which is, you know, oftentimes when we think about decarbonizing our homes or changing out big pieces of equipment. Of course, we're thinking of, you know, our heating system, our cooling system, our hot water system, but you mentioned a couple other things. So, what are some things to address before getting into those big equipment purchases? You know, changing out your furnace. What should what should you do in advance of that?   Sarah Grant  13:20 I mean, first and foremost, you know, if you have a home and you have issues with water, with mold, those are kind of, you know, structural issues. Those are aspects that tend to, you know, they're top of the list. But, you know, assuming, let's assume, you know, we're talking about homes that kind of don't have those pressing needs. Some of the some of the items that are ideal to address before electrifying are involve making your home better at keeping the heat in. So that's really comes down to just insulate, more insulation where you can, to the extent that you can, and reducing air leakage. So, a lot of people are familiar with insulation. Usually, most contractors these days, if someone's renovating a kitchen, will find a way to add some insulation. Reducing air leakage is still, I would say, not as much on a contractor's radar as it would be ideal. A lot of the green contractors and architects that I work with, it's sort of as important, or even more important, and to us it is as well. So, in the winter, the insulation for your house is kind of like your sweater, and if you don't have any sort of windbreaker, you're going to have a lot of air leakage. So, the air leakage for your home is kind of like adding a windbreaker. Sorry, I started to talk about it like with homeowners, like there are different levels of air leakage. So, level one just involves walking around with a caulking gun and doing what you can to seal up the gaps and the cracks, maybe around the windows. In the window trim, maybe along the baseboards. People often have a good sense of some of the larger sources of air leakage, because they feel drafty, and so that's kind of level one, air leakage. Level two could involve maybe doing a little bit more in the basement, around what's called the rim joist. So, if you look up in your basement and your basement is unfinished where the sort of the ceiling joists meet the walls, those are often a huge source of air leakage. And there's a lot that can often be done to reduce air leakage there. And there are different products. I don't know if we want to get into that today, but I'll just leave it at that for now. And level three is if you are going to be replacing the siding from the outside or from the inside, gutting your house, adding an air barrier, which is a material that serves to reduce the air leakage. Overall, it is like wrapping your house in a big windbreaker. If someone is able to do that, if you're able to say, if you have siding on the outside of your house that you need to be replaced. Adding an air barrier can have the most significant impacts in terms of reducing air leakage. So, you asked, sort of, where should someone start? I think, you know, it does come back to a lot of people I find replace their siding or replace their windows, maybe more for esthetic reasons, or they have reached their end of life. But reducing air leakage, doing what you can if you're replacing your siding, to also add insulation, isn't always on people's minds. So again, back to having that plan. If you have a plan, if you know, okay, when I need to redo my flat roof or redo my siding or redo my windows, I'm going to be thinking about these extra pieces that will ensure that I'm going to take a few more steps to make my house do a better job of keeping the heat in, by adding more insulation, by reducing air leakage. Those are great, great first steps when possible.   Trevor Freeman  16:54 And the added benefit, I think, of that, and this is important for people to know, is there's a huge comfort impact there. I mean this, we're not even really talking yet about energy savings and carbon you will just have a more comfortable home if it's less drafty, if it holds the heat in better, keeps the heat out in the summer, and that is one of the drivers for some of these changes that we're talking about here today. It's not just because you really care about climate change, it's also because you want a more comfortable and efficient home.   Sarah Grant  17:25 100% I think that comfort just like someone having a broken furnace. Well, maybe not exactly, but similar to, I think, is can act as that trigger, as that motivator, to push people. So I do often have people calling and saying, Hey, like, can you come and do a consult? Because we don't often use the third floor of our house. It's just not as comfortable. And so we'll figure out what's going on and help people make a plan to address that. And ideally, you know, I find when I'm able to do that, I'd rather help someone make a better use of existing space than help them plan out an addition. Um, I have sometimes ended up talking people out of an addition, because upon sort of discussing their house real, we've realized, okay, like they don't use their basement because it's unfinished, it's dark, it's damp, it's, you know, it's the scary, cobwebby place. And so we develop a plan that involves adding more sunlight and making it comfortable, making it not so damp and scary, and that helps. They're already heating that space. It's sort of a space that you're already sort of half there. And so energy wise, you're making an improvement, and have avoided making your house bigger, which is maybe required, but it can be avoided, is better too.   Trevor Freeman  18:49 Okay, so I want to dive into the things that probably people are most familiar with when we talk about reducing our own fossil fuel consumption in a home. And so these are your big users, like how you heat your space, how you heat your water, and for some people cooking. So especially those first do space heating and water heating. The majority of Canadians at least use some kind of fossil fuel to heat their homes, especially here in Ontario. So that's typically natural gas cooking is a little bit more of a mixed bag, but there's a lot of gas cooking out there. So maybe talk us through what would be the sort of low to no carbon option for each of those three things.   Sarah Grant  19:31 Great, okay, going from large to small. So the largest source of emissions in a home is your space heating. Typically, the emissions are about the same as driving a sort of a mid to large sized car. You know, most people drive, on average, 15,000 kilometers a year. The emissions are going to be about the same so that that's going to be the biggest one, if someone is looking and they're a little bit overwhelmed, and the best alternative is a. Heat pump. So these are they come in many different forms, but the most common, and I think the most common scenario for most homes is if you have forced air. So ductwork and these kind of heat pumps can extract heat from the air outside. A lot of them can work up to minus 30 degrees. So even up to minus 30, they're able to grab latent heat in the air and pump it inside, and then it gets pumped around your house. The cool thing about them is that they can also work in reverse. So, in the summer, they act just like an air conditioner. In fact, the technology is very much the same as an air conditioner, just that they work in reverse in the winter too. So they can also cool. So these are called Air source heat pumps. And, yeah, someone has forced air and they have a gas furnace or an air conditioner or both that need to be replaced. An air source heat pump is, is a great option. A lot of the folks that we've worked with that have switched, you know, you talked about comfort, sort of some of the side benefits, I would say, of a heat pump is they're typically quieter if designed and sized and installed properly, they're they they're quieter both the outside and the inside aspects of a heat pump, and the air from the vents is a lot more comfortable. So we got a heat pump about three years ago, and the first winter we had it installed, my father in law came over for dinner one night and just stood in front of the vent, kind of like a cat basking in that warmth, and said, Oh my gosh, this is way more comfortable. It's not that dry, scorched air that a lot of people associate with poor stairs. So that's, that's an air source heat pump. You can also, there are also ground source heat pumps, but for a lot of you know urban areas, these ground source heat pumps involve drilling into the ground, either horizontally or vertically, to extract heat from the ground. They I have worked with a few homes in sort of more rural areas where it does make sense, but the costs associated with them are really high, and often there's not enough space in urban areas, so they're not quite as common. And I'd say sort of, just to kind of close the conversation on we'll conclude it on the on the heating side of things, if you do have another source of like heat, maybe it's, maybe it's cast iron radiators or baseboards. There are also heat pumps that can help you as well. So with cast iron radiators, they're what's called air to water heat pumps. So they'll the outdoor unit will look similar to someone who has forced air. So it's an it's going to extract heat from the outside air, and it'll transfer it to water. Now that can then go through your cast iron radiators, or maybe have insular heating or what have you. They're not as common, but the technology has existed for a long time in Europe, and there are more products and contractors that I'm working with that are becoming more comfortable with installing this technology. And last there are what's called ductless heat pumps. So if you don't have ductwork or cast iron radiators, or maybe have baseboards, or maybe there's a space where the ductwork just isn't sufficient, these ductless heat pumps can be installed. They can either go on the wall, on sort of these big white boxes. If you've been to Asia, you're probably familiar with them because they exist there, either in the form of heat pumps or air conditioners, or you can have little floor mounted ones as well, which look a little bit slicker, I suppose, but they do cost a little bit more. So that's heating for hot water. There are kind of two main options if you want to get off of fossil fuels. Usually that's yeah, for most of us, that's with the gas, but there could be propane as well. So, if you want to get off of fossil fuels with your hot water, the heat pump technology exists with hot water as well. Heat Pump hot water tanks is what they're called. Are actually, confusingly, sometimes hybrid tanks, because they use heat pump technology, but then also have an electric coil. So, they operate, they can operate like a simple electric tank, if, um, if needed. And they come with a little like Wi Fi app too. So they are, like, four times more efficient than a gas hot water tank. So you will save a little bit by switching to them. But the way they work is they'll extract heat from your basement, actually, so from your basement air and transfer that to the water. So, I would say about half the people I work with end up going with them because they have a space where it makes sense. Maybe their basement is large and they can put it kind of in the corner and a big mechanical room or a workshop where they're not going to go into it. So, if it, if that heat pump reduces the temperature by two degrees or so, it's not a big deal. But for me, my home is pretty tiny, and we're using every nook and cranny with five of us in it, so we opted for an electric tank and, um. And then paired it with a timer so that it only reheats the water overnight when electricity, if you're on time of use, is cheapest, and that's also when our Ontario grid is using the non-fossil fuel related forms of power production, like nuclear and water. So that can work if you're really lucky and you have an open an unfinished basement and a good space to install what's called a drain water heat recovery system. These are super cool, very simple technologies that can transfer the heat from any water that you've already used, like from your shower, and transfer it to the fresh water before that fresh water then goes into whatever heating mechanism you have. So, they can work with anything, even if you have a gas hot water tank, a drain water heat recovery system is a good way to kind of preheat the water by extracting the heat from the hot water you've already used a lot of hospitals I know in Toronto are starting to use these kinds of systems as well. So two main options, electric tank, you pump out water tank, and then those drain water heat recovery systems as well, and hot water. So, you know, I said you're heating, heating your house. It's usually about kind of 8080, or so percent of a home emission, home emissions hot water is, is around 15 to 20% just to give an idea of sort of how it fits into the relative picture. But ultimately, I wouldn't say, you know, do one over the other, unless you know, if you have, if you have a hot water tank that's broken, replace that with a with an electric tank, or heat pump hot water tank. Don't, don't just say, Oh, it's only 20% I shouldn't do that one. It's still worth it. Every little appliance that you can get off of fossil fuels is one step closer to then being able to disconnect from the gas utility or what have you, and sets you up for, ultimately, like a little bit of savings too, because you're no longer paying for that delivery fee to have access to that fossil fuel in your house. So cooking, cooking is cooking is probably, to be honest, like, the most fun of all of these just because, you know, it impacts your daily life. If like, hot water and heating and cooling are one of those things where you don't, like, I don't think about my heat pump unless it's not working properly, which we haven't had an issue with. But, you know, it just sits there and it does, it does its thing, and I'm happy to have it off of fossil fuels. But for cooking, switching, for us, switching. We switched from a gas stove to an induction stove about a year ago, and it's amazing, like I've got little kids, and I love that. I feel comfortable teaching them how to cook on this stove, just because of the way the induction stove works, the whole cooktop doesn't get heated up in the same way you accidentally leave, like a rag or a paper towel on the stove, not going to catch on fire. We did have a few of those incidences with our former gas stove. And, like, it's really quick. I know that there's a lot of stats and data about how quick it can heat up water, but it's one of those things that you don't believe it until you sort of experience it yourself. So yeah, so we got, we got a nice flick induction stove, because our gas stove was kind of reaching its end of life, and we were starting to smell some of the gas as well, even when it wasn't on, which I know is an issue, that's, that's, you know, something that's, that's hostages for our help. And, you know, there's a lot of research and evidence out there related to, like respiratory issues and gas related cooking. So, if you do have a gas stove and you aren't able to afford to switch now, make sure you're using your exhaust, like your range hood, properly, not just when you're using the top, but when you're cooking in the oven too. But yeah, if you're able to switch it out, then you can just break a little easier knowing that you're not, you're not using some sort of like fossil fuel to cook, cook with, and so your house is cleaner, and you're making the planet a bit cleaner as well.   Trevor Freeman  29:11 That's definitely one of those other benefits of going down that path. And everyone we're in a similar vein, I cook with electric resistance now, but our stove is near its end of life, and I've excited to get that induction stove, because everybody I talked to just sort of says it's one of the coolest things that you can add to your kitchen. So, I'm excited about. One other big source of fossil fuels in our daily lives that people will be familiar with, obviously, is, is our cars, how we drive, how we get around. Most folks still have an internal combustion engine car, and we know that for people that are going to switch to an EV if they can, the preferred choice to charge is at home. People want to be able to charge their vehicles at home. So what are some considerations when it comes to owning an EV at your house, as you're trying to decarbonize   Sarah Grant  30:06 Awesome. I'm glad you asked this question, because I was trying to figure out a way how to bring up electric like capacity in a home, knowing that you know, if you do electrify every appliance in if someone does electrify every appliance in their house, they may not need to upgrade. A lot of us are on 100 amp service, and I was able to, you know, install an induction stove switch from gas to induction switch from a gas hot water tank to an electric tank with that drain water heat recovery system and a timer switch from a gas furnace to a heat pump. And we had 100 amps, and we're fine with that. We didn't have any breakers trip or anything. And I've worked with a lot of homes where that's the case. I should just say, even before someone's going to switch to an EV though, the kind of the two main aspects, two main elements that may require an upgrade, would be an EV charger and, um, electric backup, resistance heating. So with a heat pump, they are amazing for so many reasons I've kind of already talked about they're more comfortable, they're quieter. You know, climate fighting machines that work on electricity, but they're not like electric baseboard heaters. They're using one unit of electricity to generate about three units of heat. So they're great. Their capacity isn't as high as as a gas furnace or our propane furnace may be. So if that's the case, and if your house, you haven't been able to do all the things you can to insulate and to reduce heat loss, then the largest heat pump may need to come with an electric resistance heating and these can, if they're working, can draw a lot of electricity. So the way this works with a heat pump is, on a cold day, the heat pump is going to always operate. And then if your thermostat notices, hey, my house isn't able to stay as comfortable. It's not getting to whatever, you know, 22 degrees, it'll then ask for the electric resistance oil to turn on and give a boost to the heat pump. So, um, you're not going to generate like, your bills aren't going to be excessive, like they would be if someone's heating with just electric heating, but larger electric resistance heating requires a pretty big breaker, like a 40-amp sort of thing. So, if, if that's the case, then that may be something that triggers you into the okay, maybe I need to upgrade to 200 amps EV chargers as well. They come in many different forms. We actually I'm just at my in laws cottage, and my father-in-law, very generously, installed an EV charger here, because we were lucky enough to purchase an EV a few months ago and so he put in one that's also on a 40-amp breaker, but you can get ones and put it on a 30 amp breaker, you put on a 50 amp breaker. So with upgrading and with switching everything to electric, I find that's an area that I think things still are evolving and changing. You know, I typically, I was previously doing sort of a what a lot of electricians or HVAC contractors would do with just sort of adding up all the all the aspects on the panel and sort of saying, Okay, well, if you're running your stove and your heat pump and your hot water all at once, here's sort of based on those breakers, here's how much electricity you're going to draw. And if that number is greater than 100 Okay, someone should upgrade which, which tends to be a little bit conservative. So, what we are now doing is, if you have the ability to access your electricity bills and look at sort of your hour-by-hour consumption, there is a way that homeowners can actually figure out, kind of like, what's my peak, what's my worst? Like, draw, I'm probably not using the right terms here, but, um, but. Or you could actually simulate that and just, you know, on a, on a like a really hot day, turn on make sure your air conditioner is running. Turn on. You all your, you know, your dryer, your electric stove, whatever kind of make it the worst-case scenario that you could reasonably see happening in your house and then go on and log into your utility data. And there's a way that you can look at like hour by hour, and it'll tell you your draw and based on that, if you look up online, there's a way to sort of translate that kilowatt draw into amps. And what I've found when I translate people's draw into amps is that like someone who's on 100-amp panel, who's got, you know, their electric dryer and their air conditioner and their induction stove running typically draws between 20 and 40 amps. That's way below the 100 amp. Environment and so upgrading, this is a long winded way of saying upgrading everything you know, from fossil fuels, switching your car, getting an EV charger, may or may not require you to upgrade to 200 amps, but if you have the ability to sort of do a little bit of research online, try and figure out what your draw is, so that, because you may not actually need to upgrade alive, find a lot of contractors are somewhat conservative and are telling people to upgrade before they necessarily need to. And the cost to upgrade can be around five or so $1,000 so at least what I've seen in Toronto and so that kind of cost can actually turn people off.   Trevor Freeman  35:42 Yeah. So, I that's a great point to bring up Sarah. And I think we, we see that, of course, with our customers a lot as well. And I think it's important to know that the quick and easy way to determine if you need a panel upgrade is, as you said, to add up the numbers on the breakers, and if you if you're bumping over 100 yep, that's a panel upgrade. But that's not necessarily the most accurate way, because it's rare that we use the full amount of each breaker. And so looking at your utility data, or having your electrician, your contractor, help you, look at your utility data, can tell you that you maybe don't need a panel upgrade, that you can operate all this equipment that we're talking about on your 100 amp panel, and most utilities in Ontario, at least, I know for you in Toronto, and definitely for any of our listeners in our service territory in Ottawa, you can access Your hourly utility data online through whatever portal you have with your utility. So definitely go and check that out   Sarah Grant  36:47 if you end up realizing that your kind of on the cusp and you may need to upgrade. One of the other things that you could do instead is install a smart switch. So, there are products of their levatron is one that I know of. There are even smart panels that give you at your fingertips through a phone app, the ability to sort of say, oh, okay, I want to charge my car, so maybe I'm going to, sort of not let people draw electricity from other aspects in my home, or vice versa, you can kind of turn off and on your car charger. You can even run your whole panel as well. So, sort of the smart switching aspect is a way that, if you're kind of on that cusp, can enable you to avoid a service upgrade and also get some really cool data at your fingertips as well about your electricity consumption.   Trevor Freeman  37:42 Yeah, I'm really glad you brought that up, and I've seen those as well. They're super exciting. And, you know, as a kind of a data nerd, it'd be awesome to have that granular data. And what's every circuit in my house doing? But I think at its most basic, it's basically saying, yeah, like, you can't run your electric clothes dryer and charge your EV at the same time. So it kind of forces one or the other, you know, and whatever slot in whatever piece of equipment you want there, which keeps you under that, that threshold for your panel, no matter what, even if all your things add up to more, you're still going to stay under because it won't let them go on the same time. So that's a great piece of technology. So, I want to quickly ask you about electricity generation and storage, where probably, if anybody kind of wanders around, you're seeing more and more solar panels on roofs. We're hearing more about home battery storage, although that hasn't quite taken off widespread yet, but it is out there. So how would something like that factor into a homeowner's plan?   Sarah Grant  38:42 Yeah, I think that typically, it's kind of one of the later aspects for a homeowner plan. So you know, if you were listening and you're someone who is interested in doing what you can to reduce your carbon footprint, you know the largest things you can do, the single largest thing is to install a heat pump. Get your heating off of off of fossil fuels, and install a heat pump. And, you know, do what you can to reduce your heat loss by adding insulation, making it less leaky. Solar panels are a fantastic complement to that, and I find they, you know, we include them in a clean tech roadmap, and we show people the impact. And some people do choose to do them first just because they're excited, and it is, to some extent, an investment in reduction of your energy bills. So, you know, the sooner you can get the panels on your roof, the sooner you can start to save and no longer spend, you know, and to some extent, also solar panels, at least in Ontario, they're producing their peak amount of electricity at a time when we're using our electricity grid in Ontario, mostly as nuclear and water. But you. Uh, you know, during peak times, we do have some gas power plants that their benefit is to kind of come on quickly and produce electricity really quickly, so that we can make up that that time, say, five o'clock on a really hot August day when everyone comes home from work or six o'clock and turns on their air conditioner and, and, and, but at that same time, solar panels are in peak production. So, you know, I know, I'm sure you've had other podcasts to discuss, sort of our electricity grid, so we don't need to get into more details. But you know, it is something that each can do to offset and reduce that sort of gas peak your plant consumption by putting panels on the roof. And I think a great aspirational goal for everyone would be to be net zero. Just as you know, I know, City of Toronto has a net zero goal as a city overall, so getting each home to net zero would certainly one way to achieve that goal. So there's some savings involved for us. We put panels on, like four years ago, and based on how much we're saving per year and how much we spent, we'll have saved as much in electricity as we spent in 11 to make up the cost in 11 years' time, the cost the return on investment, isn't as great now because we were able to leverage a federal rebate that is no longer available, but For so that'll probably extend the return on investment. For many people to sort of 15 to 20 years' time frame. The reduction in use of our gas peaker plants is another, another benefit and, um, no, I'd say the other like, sort of the pleasant side, again, comfort benefit for us, although I wouldn't say invest in it only for this. It's kept our house more comfortable in the summer. So these solar panels are absorbing the sun's energy, the sun's heat. So it's now no longer the sun's no longer cooking our roof as it used to. And although we did add insulation there, the panels are way more effective at just absorbing that energy. And so our second floor is able to stay a lot more comfortable as well. As far as sort of storage goes, You're right. I'm starting to see more and more batteries. But you know, a few years ago, I hadn't seen really any, any in people's homes. The costs, I know, and sort of the thread tape involved in getting them approved was still quite high. But they are a fantastic option if you do have solar panels, or if you're someone who's concerned about making your house more resilient in the event of a power outage, they're a good option to have, obviously, better than, better than a gas generator, which would be the alternative if you want some form of energy on hand in case the grid goes down. But yeah, this is sort of, I would say, if you're thinking about your house and where solar panels and storage could fit in, I would probably put them sort of later on the list. Again, decarbonize by getting, like, electrify everything in your house as much as possible. Do what you can to insulate and air seal, and if you're lucky enough to have a little bit left over solar and storage are great as well.   Trevor Freeman  43:04 Yeah, it's that's a great way to put it. I certainly look at them as supporting tools to someone looking to decarbonize and electrify their house. To your point, you don't get a lot of carbon reduction just from solar, partly, especially in Ontario, because our grid is primarily clean, primarily carbon free, but during those peak solar production hours, that's also typically our peak emission hours from the grid in Ontario. But what solar panels and storage, to a lesser extent, can do is give you some predictability in your energy costs. So, you're kind of locking some portion of your energy cost in the day you put those panels on, and if electricity prices increase, you've got that predictability based on what you put on your roof. So just getting close to the end of our conversation here today, Sarah, I want to ask you two more questions. One, I alluded to this at the beginning, and as did you there are those scenarios where you haven't done any planning or prep. You know that maybe decarbonizing or moving to a more modern piece of equipment is something you want to do, but you haven't done any work on that, and it's January, and all of a sudden there's no heat coming from your furnace. And you get someone to look at it and they say, yep, you need a new one. What can you do? In that sense, are there contractors out there who can turn around and put a heat pump in as quick as they can put a furnace in? Or are we not there yet? What's kind of on the horizon for folks in that situation?   Sarah Grant  44:36 Yeah, there are a lot of contractors out there who can put in a heat pump as quickly as they would a gas furnace. The rebate program that the federal government offered, which is unfortunately no longer available, did a lot of work to, I would say, get homeowners asking contractors about heat pumps, and that then got a lot of contractors on board with installing key pumps. And. And I'm finding actually, right now, we're in a good space, because a lot of manufacturers brought in a lot of stock, and so there's actually an excess of a supply of heat pumps, so the costs have come down a little bit, which is nice in the absence of rebate. So, yeah, the installation itself is, you know, if you're replacing a gas furnace with heat pump, it's no more or less complicated, to be honest, typically should take about, you know, just into two days, or maybe just under, like, you know, one, a full day, and sort of, and then some. And I would say the sort of the biggest, the biggest lost opportunity is, is, you may not, you may not have a contractor that feels comfortable getting you all the way off of gas. So I find a lot of contractors are more comfortable with recommending what's called a hybrid system, where you would have a heat pump and a gas furnace installed in your house. And in this case, the heat pump will always get the first opportunity to provide heating in a house, but then the gas furnace will kick on. Um, at some point. And I find in this case, like the heat pumps are, tend to be a little bit undersized, and so they may not, it's a bit of a lost opportunity. They may not be able to heat as long into the winter as if it was sort of the right size for your home. And you know, instead of the heat pump going all the way, which is the case if you get all the way off of fossil fuels, it'll switch over to the gas furnace as needed. So just like a hybrid car, you know, with a battery and gas in the car itself, this sort of system is still a great step in the right direction, though. So certainly, if you're stuck in the middle of a winter night or a hot summer's day and you've got no cooling or no heating call around, and you know, if you don't like the first answer, if you have still, there are still some contractors that are misinformed about heat pumps and will sort of say, Oh, well, they don't work greater. But I would say, for the most part, in the last four years, things have changed dramatically, and contractors are now on board, and because they have an excess of supplier are eager to, eager to sell them and install them.   Trevor Freeman  47:05 That's great to hear. And I think the important thing there is you're not going to know unless you ask, and if you don't get that answer the first time, you know, take another couple calls. Try call around, because there are, there are contractors out there who can support you in that. And kind of like you said, this is, you know, when you're replacing your major heating equipment in your house, that's your once in a kind of 10-to-15-year period, if not longer, to get that right. And if you lock yourself into something you didn't really want, then it's hard to hard to change course a few years down the road. So, take the time if you can, to ask those questions. Okay, last question for you here, before we wrap up, I want to zoom out a little bit and talk about just the overall process of retrofitting more homes. You know, you made the point earlier. There's a lot of homes out there. If we can start moving all these homes off fossil fuels, it's going to go a long way towards hitting our climate goals. How do we speed that process up? What programs or regulations or policies have you seen, or would you like to see that and kind of encourage these transitions?   Sarah Grant  48:13 Oh, I love that question. Yeah. I mean, if I had a magic wand and could change things, I would definitely like to see more, more incentives, more zero interest financing out there. You know, the homes that I've seen that have been able to get all the way off of fossil fuels, install solar panels, do what they can to insulate were able to access in the city of Toronto anyway, a zero-interest loan that went up $225,000 came with its own $10,000 incentive. They also accessed what is no longer available, the up to $10,000 incentives. So up to 20k of incentives, zero interest loan, those like of the homes that we work with, they're about 20% that have achieved that kind of like the got to sort of net zero, significant energy reduction, and we're able to, you know, access that level of financing and rebates. Those programs are not available anymore. Or at least, the City of Toronto offers their low interest loan. It's no longer zero interest, and doesn't have the incentives anymore. So that typically showed me that, you know, it's possible, but we do need more financing and support in place for people. You know, there's a there are a lot of great models in Europe and in Germany, the energy sprawl model exists where basically big like panels can be installed on the outside of people's homes that have insulation, that have an air barrier, that kind of come with the Windows already well installed those sort of options as well. If, if, if feasible, can also do a lot to accelerate our rate of decarbonizing or electrifying in in Canada. In that regard, there's a lot happening in the sort of the low income Social. Housing space. And I feel very honored or privileged to be just a small actor in that space and collaborating with many fantastic actors that are not only sort of retrofitting a large number of homes, at least in Toronto, but also treating it as an opportunity to sort of help think about how we can get to scale and how we can accelerate this and so they are changing contractors mindsets and impacting the availability of stock and supply. So, yeah, we need, we need, we do need more policies and support and levers in place, and then, as well, the sort of the contractor industry, there's a lot of training and support that's also needed. So it's a big, it's a big, exciting problem with lots of opportunity, but, yeah, lots of work to happen in order for us to achieve our net zero goals.   Trevor Freeman  50:50 Yeah, I think we have seen that there's a role for funding and financing to help lower that initial barrier of some of this, you know, still fairly nascent technology, although it's becoming more commonplace, but there is a role for those programs, and when they are in place, you know, your experience has shown they work, you're seeing more projects go through when there are funding and financing programs compared to when there aren't. So it's good to know that the programs work, and we just need to see more of them, so that's great. Okay, Sarah, we always wrap up our interviews with kind of a series of questions that I pose to all guests. So as long as you're ready, I'll dive right in. What is a book that you've read that you think everybody should read?   Sarah Grant  51:35 That is a great question. That's fun. I'm an avid reader, so it's hard to it's hard to answer this, to be honest, one book that comes to mind that I think everyone should read is called Ishmael. It's a book about a talking gorilla, and it it definitely changed the trajectory of my life. I read it when I was about 20 years old, I think, and in, you know, studying to become an electrical engineer, thinking about my next steps. I was in my last year of university, so maybe I was a bit older, but, yeah, it's a fantastic book that has, I think, still stood the test of time. I come back to it every few years and reread it.   Trevor Freeman  52:18 Awesome. I could be wrong here, my memory is hazy, but that rings a bell. I feel like maybe many, many years ago, you told me about that book. It's possible. I think we, for those of you who don't know this international development thing, Sarah and I did. A lot of us went through that path of being an engineering school and deciding there's got to be something more out there, and I want to have an impact in a different way. And that took a lot of us down to different courses in our lives. But if someone offered you a free round trip flight anywhere in the world, where would you go?   Sarah Grant  52:54 Okay, I hope that they're going to offset the emissions, if they're offering or I will offset the emissions, where would I go? I mean, I've always wanted to go to so assuming it's a carbon neutral flight, I've always wanted to go to New Zealand, and I used to play rugby. So I would definitely go catch a few rugby games and watch the All Blacks do their traditional Māori dance and hike the hills and the mountains and just sort of see the, see the landscape in New Zealand.   Trevor Freeman  53:29 Who is someone that you admire?   Sarah Grant  53:32 Okay, so, I mean, this is going to get real, really quick, so I would say, you know, I this is and a bit cheesy, but I'm going to say my kids, I've got three, and they're six, eight and 10, they're all very aware of their role in the world. They go to an alternative school, so perhaps that's part of it, but I just think perhaps it's also just being a kid of this age. And they are the reason we bought an electric car sooner than we could afford, because they started crying when we would go in the gas car, and they were concerned about the emissions. And so, I admire my kids. I admire their awareness and their ability to speak up when, when, when something happens. A few months ago, my partner came out to all of us as a trans person, and this is where I said it was going to get real, pretty quick, because my kids have taken it so well, like, they've taken it in stride. They've My daughter has embraced it. She's like, Oh my God. Now I have two moms I can, like, I'm not the mom that's going to take her to get pedicures, but she now has a mom that can take her to get pedicures. So, it's, I guess what I'm saying is, there was their awareness. and their resilience is astounding.   Trevor Freeman  55:03 Yeah, that's awesome. Thanks for sharing both of those things, and I echo that and seeing the way that my kids and kids you know that are aware of this stuff really find ways to identify their role in this and find ways to sort of advocate, even without knowing all the big picture and knowing all the nuance to it. And maybe that's even better, that they're just going based on kind of hard and what they know. So that's fantastic. Thanks for sharing that. Our final question here, before we wrap is, what is something about the energy sector or the work that you do, or something that you see coming in the near future that you're really excited about.   Sarah Grant  55:48 So there's so much to be excited for. So, um, one thing that is that is giving me a lot of excitement is, is the low income, the social housing work that I'm involved in because, because of the potential to help accelerate things, because we're all working in a very different way, I think traditionally, you know, and in any space, there's a lot of competition, but all of us who are working, whether It's I'm working with some architects, with some contractors, the owners, their land trust organizations, of these buildings, everyone is operating with the idea that, you know, we should be collaborating. And so there's a lot of knowledge sharing, a lot of investing in each other's awareness and connections. And, you know, it's net it's net positive. It's resulting in a lot more than if we were kind of just, like, holding our cards close and being like, Oh, you hired me to do this, and I don't want to tell you how I did it, because then maybe you're not going to hire me next time I'm happy, if I get worked out of a job to some extent. And what it means for gold trench energy is that we need to kind of keep adapting. Like, four years ago, the conversations I was having with homeowners are very different from the conversations now, and that's amazing, because four years ago, people didn't, lot of people didn't know about heat pumps, and I know that's still the case, but a lot of people that were hiring us didn't know, and now, four years later, they do, and so that evolving knowledge and enhancing Understanding and the fact that there are people out there who are working in a collaborative manner, I think that's going to get us a lot farther, faster, and honestly, it's just way more fun to collaborate with people.   Trevor Freeman  57:32 Yeah, totally. I echo that. I've said it on this podcast before. That one thing I've noticed having been kind of in this space now for close to 15 years in the sort of energy building sector, it feels like things are moving faster and more widespread. There are more people that are aware of the need to decarbonize. There are more people working on that. There are more people working on it in different ways, which is really exciting to see. So that's something definitely that I'm also quite excited about. So Sarah, it's been great chatting today. Thanks so much for sharing your experience and telling us a little bit more about what you do. And yeah, I really appreciate you taking the time to chat.   Sarah Grant  58:15 You're welcome. Thanks for having me.   Trevor Freeman  58:17 Thanks, Sarah, thanks for tuning in to another episode of The thinkenergy podcast. Don't forget to subscribe wherever you listen to podcasts, and it would be great if you could leave us a review. It really helps to spread the word. As always, we would love to hear from you, whether it's feedback, comments or an idea for a show or a guest. You can always reach us at thinkenergy@hydroauttawa.com  

Most Canadians who purchase a vehicle need financing. A trio of industry executives described the current financing landscape during this year's Canada's Used Car Week. For this episode of the Auto Remarketing Podcast, we take you back to Toronto for a conference panel discussion focused on the state of auto finance in Canada. The panel included: —Stephanie Lamb of CIBC —Ilja Troitschanski of Axis Auto Finance —Dave Fowler of TD Auto Finance

Leger poll: Most Canadians expect Justin Trudeau to try to hang on to the PM title/job until the federal election likely next year. What's the breakdown though? Guest: Andrew Enns. Snr VP Leger Marketing, Central Canada Learn more about your ad choices. Visit megaphone.fm/adchoices

Guest Host, Ben Mulroney (@BenMulroney) and the panel of: Kevin Vuong (@KevinVuongMP) , Independent M-P for Spadina - Fort York & Nokha Dakroub, former Peel District School Board trustee (@NokhaDakroub) discussed: 1 - Pro-Palestinian protesters leave UofT encampment ahead of court-ordered deadline 2 - LCBO says stock up on your drinks now ahead of Friday's potential strike 3 - Cost to buy 2 new Toronto Island ferries jumps to $92M  4 - Most Canadians think Trudeau will stay on to the next election: poll  5 - The "Perfect" Hot Dog Is Grilled and Has These Toppings. Learn more about your ad choices. Visit megaphone.fm/adchoices

Guest Host, Ben Mulroney (@BenMulroney) and the panel of: Kevin Vuong (@KevinVuongMP) , Independent M-P for Spadina - Fort York & Nokha Dakroub, former Peel District School Board trustee (@NokhaDakroub) discussed: 1 - Pro-Palestinian protesters leave UofT encampment ahead of court-ordered deadline 2 - LCBO says stock up on your drinks now ahead of Friday's potential strike 3 - Cost to buy 2 new Toronto Island ferries jumps to $92M  4 - Most Canadians think Trudeau will stay on to the next election: poll  5 - The "Perfect" Hot Dog Is Grilled and Has These Toppings. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most Canadians seem to enjoy some sort of getaway during the summer months to enjoy time off and the sunnier, warmer weather. However, rising prices and continuing economic pressures can make any form of travel or time off more expensive. Pamela Kwiatkowksi joins Tamara Cherry to offer her best travel tips to vacation on a budget for Canadians this summer.

On Episode 31, we tell you about the firing of an Ontario librarian whose apparent crime was trying to diversify the collection; we walk you through a heart-breaking decision by a Calgary judge to allow a woman with autism to access assisted-death over her father's objections, and we share our new polling that shows Canadians are ready for major change on health care. Stories and cases discussed in this week's episode:Most Canadians want ‘major changes' to healthcare system new research findsCalgary judge rules woman with autism can seek Medical Assistance in DyingPremier Ford clarifies fourplex comments despite insisting it would be a ‘disaster'Niagara-on-the-Lake library board fires CEO Cathy Simpson Monica Harris: The unjust firing of Ontario librarian who challenged DEI orthodoxyHermes faces US lawsuit over ‘refusal' to sell Birkin bag Manitoba PCs say bill banning anti-abortion protests near clinics should be expandedNot Reserving Judgment is a podcast about Canadian constitutional law hosted by Josh Dehaas, Joanna Baron, and Christine Van Geyn.The show is brought to you by the Canadian Constitution Foundation, a non-partisan legal charity dedicated to defending rights and freedoms. To support our work, visit theccf.ca/donate.

Financial freedom is what we all want. We talk to people about their finances all the time and most people just want to know that their money is there, and they can live their life the way they want, but very few Canadians actually get there. Why? Most Canadians are not financially secure because of sub-optimal investments and focusing on the wrong risk. In my latest podcast episode I'm going to show you how to outperform all these methods: How to easily outperform financial advisors, robo-advisors, and index investors. Why is good performance important for your life? What rate of return do you need to become financially independent? What are the 4 performance drags that reduce investment returns? What is the Asset Allocation Loss Ratio (AALR)? Why is it easy to outperform financial advisors? What is wrong with the investment industry definition of “risk”? Why is it easy to outperform robo-advisors? Why is it easy to outperform index investors? How can you learn to think properly about investing? What are the secrets to outperforming?  

On today's episode of the Candice Malcolm Show, Candice talks about how the tides are starting to turn against the woke left and the diversity, equity and inclusion (DEI) cult.  This is the silver lining of the October 7th massacre in Israel, the resulting war in Gaza and the troubling wave of antisemitism across North America.  Everyone knows that woke Universities and their DEI agenda – a doctrine that claims that Jews are oppressors and are therefore guilty no matter what – are to blame for the terrifying rise in Jew-hatred and bigotry across North America.  We've seen this script play out before.  When Canadians were met with a similar cultural accusation in 2021 over the unmarked graves moral panic, we didn't fight back. We allowed our history to be erased, our statues to be toppled and our churches to be desecrated. Most Canadians bent the knee to the woke left and groveled for forgiveness.  But that's NOT happening today. Instead, Jews are starting to fight back in a serious way. One of the ways they're doing that is by taking aim at the very institutions promoting the DEI agenda: the universities. Afterall, there is only ONE way to curb the growing Anti-Semitism on campus. It's not firing woke administrators or creating new cultural centers for Jewish students on campus.  The only way to stop this terrifying trend is to dismantle DEI, ditch the harmful oppressor vs. oppressed worldview and to abandon the poisonous ideology of the woke left.  Learn more about your ad choices. Visit megaphone.fm/adchoices

The Hamilton Today Podcast with Scott Thompson: Hamilton wants to build more parks downtown, and they are going to make it happen with their “parks master plan.” All border crossings between Ontario and New York state have reopened following the tragic fiery crash at the Rainbow Bridge checkpoint this week that left two people dead and one border security agent with minor injuries. India has become more prominent in North America, recently, but along with that has come stories of alleged assassinations attempts. Most Canadians believe that Canada should play a neutral role or completely stay out of the Israel-Hamas conflict, now in its second month, new polling suggests. Black Friday is here! What is the scene like down in Buffalo? Our colleague and friend, Liz Russell, has been out and about. Formula One sprint races are set to be held before qualifying for the main Grand Prix race starting next season, after a proposal to change to the format was approved on Friday. It is all coming up on the Hamilton Today Podcast! Guests: Cynthia Graham, Director of Environmental Services. Robert Restaino, Mayor, Niagara Falls, New York. Elliot Tepper, Emeritus Professor of Political Science with Carleton University. Darrell Bricker, CEO of IPSOS Polling. Elissa Freeman, PR and Pop Culture Expert. Liz Russell, content producer for Good Morning Hamilton. Todd Lewis, host of Rec Culture TV, NASCAR announcer, ft. in Scouting The Refs & Racin' It Out podcasts. Dr. Arne Kislenko, Margaret MacMillan Trinity One International Relations Program, Trinity College, University of Toronto; Department of History at Toronto Metropolitan University Scott Radley, host of the Scott Radley show and columnist with the Hamilton Spectator. Host – Scott Thompson Content Producer – Lisa Polewski Technical/Podcast Producer – Tom McKay Podcast Co-Producer – Ben Straughan News Anchor – Dave Woodard & Lisa Polewski Want to keep up with what happened in Hamilton Today? Subscribe to the podcast! https://megaphone.link/CORU8835115919

Welcome back to The Hard To Kill Podcast, where we tackle challenging topics that impact our military community. In this episode, titled "No God," we dive deep into a controversial directive that has raised concerns about the role of religion in the Canadian Armed Forces. Our guest, Catherine Christensen, sheds light on the recent decision to ban prayers and religious symbols during military events, sparking a heated debate about religious freedom and the impact on the morale of our troops. As we explore the implications of this directive, we also address ongoing lawsuits, failures in investigations, and the disturbing suggestion of medically assisted death for veterans. We delve into the potential consequences of disregarding spirituality and discuss the broader implications it may have on the soul of our military and our nation. Remember to like, subscribe, and share the podcast to support our mission of providing reliable and thought-provoking content for our military community. Timestamps: [00:01:26] Get a 25% discount on online training, support the best veteran podcast. [00:03:31] House of Commons concerned; chaplain general's directive prohibits prayers. [00:07:41] Restrictions on spiritual connection lead to communism. [00:11:11] People given order, interpreted as court case. Feedback from clients on prayer issue. Padres didn't stand up for religious rights. [00:14:32] Don't create unenforceable rules, it erodes morale. [00:18:30] Incompetence or deliberate destruction of forces? [00:20:37] Troop morale discussed, Padre role changed. [00:24:18] Trudeau failing, not keeping country united. [00:27:09] Trudeau's unification of forces led to decline. [00:32:39] Most Canadians consider themselves religious; don't infringe. [00:34:09] Peterson's teachings made me value religion. [00:37:53] COVID abuse case, evidence gathered, military investigation. [00:40:32] Incidences raise concerns, lingering issue troubles me. [00:43:20] Military, Canada: Fixing, soul, reckoning, line, appreciate, hard work. Follow Dave Morrow's Socials: LinkedIn I Instagram I Facebook I YouTube I Twitter I Patreon

The Hamilton Today Podcast with guest host Scott Radley: Hamilton City Centre MPP is now an independent after being booted from Ontario's NDP, and what's more, Sarah Jama is also censured by the Ford government. In addition to hiking prices and shrinking product sizes, some food companies have also been quietly downgrading ingredients to reduce manufacturing costs. Hamilton's rail transit future bumped into its past after workers preparing for the city's light rail transit project stumbled across buried streetcar tracks. Many polls, when looked at collectively, paint a grim picture of the Prime Minister's future: but can we take polling at face value? Most Canadians believe they have encountered misleading AI-generated content on social media in the past six months—but half also don't have confidence in their ability to discern between AI-generated fake news and human-produced content, according to a new study. Where are we left, in a world where artificial intelligence can generate fake news stories convincing enough that nearly half of the population are duped? Scott Radley talks with Hamilton's own Jessica Rakoczy! What are your rights when posting opinions online, can your employer discipline you? Guests: Duff Conacher, Co-Founder of Democracy Watch Dr. Sylvain Charlebois, Professor of Food Distribution and Policy, and the Director of the Agri-Food Analytics Lab at Dalhousie University Dennis Perusin, Senior Project Manager, Sub Surface, LRT, with the City of Hamilton Henry Jacek, Professor of Political Science, McMaster University John Wright, Executive Vice President of Maru Public Opinion Carmi Levy, Technology Analyst & Journalist Jessica Rakoczy, Professional Boxer and Professional Mixed Martial Arts Fighter, seven-time Women's Lightweight Boxing Champion of the World Lior Samfiru, Employment Lawyer, National Co-Managing Partner of Samfiru Tumarkin LLP, heading the firm's Labour & Employment Law Group Host – Scott Radley Content Producer – William Erskine Technical/Podcast Producer – Tom McKay Podcast Co-Producer – Ben Straughan News Anchor – Dave Woodard & Jen McQueen Want to keep up with what happened in Hamilton Today? Subscribe to the podcast! https://megaphone.link/CORU8835115919

Most Canadians have never heard of Fanny "Bobbie" Rosenfeld, a woman who left early 20th century Russia and wound up in Barrie, Ont., where she cultivated her love of sports into Olympic glory—including a gold medal. In some ways, hers is a standard turn-of-the-century Jewish immigrant story, portraying a woman who succeeded by sheer force of will in a new country against her traditional parents' wishes. On the other hand, it's an unconventional tale, given her pioneering feminist attitude and how few people today even know Bobbie's story—including in her hometown of Barrie. But if you're in the city this week, you can catch a new biographical play about her life, simply titled Bobbie. The goal of the show, its creators say, is not just to raise awareness about this forgotten Canadian Jewish icon, but also to analyze how antisemitism seeps into mainstream culture and ask what Canadians—Jewish or not—can do about it. Director Lynn Weintraub and playwright Trudee Romanek join Culturally Jewish to share Bobbie's life story and describe how, and why, they made this creative new theatre production. Credits Culturally Jewish is hosted by Ilana Zackon and David Sklar. Our producer is Michael Fraiman, and our theme music is by Sarah Segal-Lazar. We're a member of The CJN Podcast Network. To support The CJN and receive a charitable tax receipt, please consider a monthly donation by clicking here.

With the rise of interest rates, inflation, housing and rental prices, home insecurity has become a growing issue in our nation.  Here are some eye opening stats:- 235,000 Canadians are homeless today.- Over 30% of homeless Canadians are First Nations- Most Canadians using shelters are between the age of 25-49 and 62% of those are male.  - Toronto has the highest number of homeless Canadians, an estimated 10,000.- 3,000 children in Canada are homeless.Governments have put a lot of focus into trying to solve this problem, with over 400 emergency shelters across Canada today. In spite of this, Toronto has released new data that 40 people are turned away from shelters every night due to a lack of beds.  Our two guests on this program are here to shed some light on this issue and what their organizations are doing about it.  Marcel LeBrun of 12 Neighbours Incorporated, and his team have built a village of tiny homes in their area to help tackle the issue.  Peter Duraisami is the CEO of the Scott Mission in downtown Toronto, and is one of Canada's leading charities in helping the urban poor.  Thanks for joining us. Please share.____________________________Faytene.tv is a listener-supported program. To help us produce more interviews on essential topics for our nation, please click here to donate: https://www.faytene.tv/donate____________________________If you want to be sure and never miss an episode, sign up for our email list here:https://madmimi.com/signups/72187/joinALSO, FIND US AT:Main Site: https://www.faytene.tv/Free App: https://apple.co/3rgzcfCYouTube: https://bit.ly/3d7XyTzFacebook: https://www.facebook.com/faytenetvInstagram: https://www.instagram.com/faytene Twitter: https://twitter.com/fayteneFlote: https://flote.app/user/FayteneVimeo: https://vimeo.com/channels/faytenetvBitchute: www.bitchute.com/channel/faytenetvRumble: https://rumble.com/user/faytenetvGab: https://gab.com/faytene#faytene #canada #scott #mission #toronto #tinyhomes #fredericton #urban #homeless #charity #neighbour #shelter

Montreal magic mushroom store opens despite threats of crack down. Reggie Floyd - Co-owner and spokesperson - Fun Guyz Dr. Mitch Schulman  NEWSTALK's Medical Correspondent joins to talk about the value in COVID Booster recommendations Number of no-knock police raids in Brantford, Ont., in 2022 is 'concerning,' – Criminal lawyer Ari Goldkind weighs in. Daniel Tsai - Law & Tech Professor TMU, joins to talk about why Most Canadians concerned about losing access to news because of Bill C-18

Most Canadians are happy to complain about the high rate of taxes - and the lack of accountability when they ask Government what they are getting for their money. Are Canadians stupid when they continue to vote for governments that continue to raise their taxes? Bruce Pardy is a Law Professor, and he has some thoughts on this. He joins Stephen LeDrew for Three Minutes. Hosted on Acast. See acast.com/privacy for more information.

The Smith Manoeuvre is an efficient strategy using equity in your home to invest for your future, without using your cash flow.  It converts your mortgage over time into a tax-deductible investment credit line. Most Canadians are searching for a feeling of financial security, but all the bills and life expenses mean they never build up enough of a nest egg to be secure.  The Smith Manoeuvre is a strategy that can help you build your nest egg and make your retirement plan work. As Canada's Smith Manoeuvre expert, check out this podcast episode with an overview of how it works.

With the rise of interest rates, inflation, housing and rental prices, home insecurity has become a growing issue in our nation.  Here are some eye opening stats:- 235,000 Canadians are homeless today.- Over 30% of homeless Canadians are First Nations- Most Canadians using shelters are between the age of 25-49 and 62% of those are male.  - Toronto has the highest number of homeless Canadians, an estimated 10,000.- 3,000 children in Canada are homeless.Governments have put a lot of focus into trying to solve this problem, with over 400 emergency shelters across Canada today. In spite of this, Toronto has released new data that 40 people are turned away from shelters every night due to a lack of beds.  Our two guests on this program are here to shed some light on this issue and what their organizations are doing about it.  Marcel LeBrun of 12 Neighbours Incorporated, and his team have built a village of tiny homes in their area to help tackle the issue.  Peter Duraisami is the CEO of the Scott Mission in downtown Toronto, and is one of Canada's leading charities in helping the urban poor.  Thanks for joining us. Please share.____________________________Faytene.tv is a listener-supported program. To help us produce more interviews on essential topics for our nation, please click here to donate: https://www.faytene.tv/donate____________________________If you want to be sure and never miss an episode, sign up for our email list here:https://madmimi.com/signups/72187/joinALSO, FIND US AT:Main Site: https://www.faytene.tv/Free App: https://apple.co/3rgzcfCYouTube: https://bit.ly/3d7XyTzFacebook: https://www.facebook.com/faytenetvInstagram: https://www.instagram.com/faytene Twitter: https://twitter.com/fayteneFlote: https://flote.app/user/FayteneVimeo: https://vimeo.com/channels/faytenetvBitchute: www.bitchute.com/channel/faytenetvRumble: https://rumble.com/user/faytenetvGab: https://gab.com/faytene#faytene #canada #scott #mission #toronto #tinyhomes #fredericton #urban #homeless #charity #neighbour #shelter

Inflation is now the #1 fear with “6 in 10 Canadians concerned they might not have enough money to feed their family”, according to an Ipsos poll.  Most Canadians have never experienced high inflation. It has been flat at 2% for 3 decades, but now jumped to 8% in 2022, and is now down to 5% in 2023. Many people are asking me what is going on and can I give them some context.  Looking at inflation in the past is very helpful to understand what is happening today. In my latest podcast episode you'll learn: Why is inflation scarier than a market crash? How do inflation & market crashes affect your retirement plan? Inflation history - the similarities between current inflation and the 70s and 80s. Factors that are contributing to inflation. Low unemployment and worker shortage. What is stagflation? Bank of Canada's role in lowering the inflation. Ways to solve inflation Should we be worried? How long will it last? How can we fix inflation?  

Most Canadians believe violence increased during Covid. IPSOS poll for Global News. Fifty-eight per cent of Canadians beleive there has been more violence in their community since the pandemic began in three years ago. 65% of those belive it's because the pandemic has negatively impacted mental health. AND, A serious challenge faces the world says Darrell Bricker. A world with a declining population and the related issues this world will soon be facing. In his book Empty Planet {co-written with John Ibbitson} Bricker points to massive disruptions to be faced by businesses, the international economy and society. More than 3O countries are expected to lose half their populations by the end of the century. What will this mean to the newborn of today who by then will be the world's senior citizens? Guest: Darrell Bricker. CEO. IPSOS Public Affairs. Author: Empty Planet. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bill C-11, the Online Streaming Act, has been a long-time coming. After initially being proposed in 2021 as Bill C-10, it is in the final stage of becoming law. The bill would regulate online video streamers, forcing them to contribute towards the Canadian Content system and promote “CanCon” on their platforms, like traditional Canadian broadcasters do. Online-only creators have fears it would impact their livelihood.Most Canadians aren't even watching CanCon, will this Bill change that? Will it make CanCon better? Can a system that was built for traditional film and TV, be made to work for an increasingly online, global market?Audio Editor and Technical Producer Tristan Capacchione sits down with Canadian filmmakers to talk all about the “CanCon” system and the problems they've experienced with it.Host: Jesse BrownCredits: Tristan Capacchione (Reporter, Audio Editor, and Technical Producer), Annette Ejiofor (Managing Editor)Featured guests: Matt Johnson, Andrew Chung, Marc Almon, Valerie Creighton, Miki “Xwater” LjuljdurovicFurther reading: CMF Annual Report, 2021-2022A new streaming bill is close to becoming law in Canada. Here's how it works — CBCBill C-11 — Parliament Additional music by Audio NetworkSponsors: Rotman, Freshbooks If you value this podcast, support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch at our store, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. You can listen ad-free on Amazon Music—included with Prime. Hosted on Acast. See acast.com/privacy for more information.

In 1988, the law on abortion was struck down by the Supreme Court of Canada. The Supreme Court tasked Parliament with bringing forward a new law to fill the gap made by the strike down. No Parliament, led by Conservatives nor by Liberals, has successfully brought forward a law yet.In the absence of a law, anything goes. This means that abortion is currently legal in Canada right up until birth.Most Canadians do not know this.This is why so many Canadians were shocked to learn that a 38-week-old child was aborted in a Montreal hospital on February 2nd. I personally felt compelled to record a video about the situation and launch a petition. That video has been viewed over 60,000 times, and almost 6500 Canadians have signed the petition.Visit https://www.4mycanada.com to watch that video and sign the petition.Here with us to talk about the 38-week abortion and important considerations surrounding the situation are Dr. Will Johnston and Dr. Laura Lewis. Both of them have had successful medical practices and have often spoken on the issue. Joining them is Mike Schouten from We Need A Law, a national nonprofit committed to raising awareness on the life issue in Canada and providing advocacy tools. Thanks for joining us. ____________________________Faytene.tv is a listener-supported program. To help us produce more interviews on essential topics for our nation, please click here to donate: https://www.faytene.tv/donate____________________________If you want to be sure and never miss an episode, sign up for our email list here. We send notices about our most recent shows out weekly, as well as event information when applicable: https://madmimi.com/signups/72187/joinALSO, FIND US AT:Main Site: https://www.faytene.tv/Free App: https://apple.co/3rgzcfCYouTube: https://bit.ly/3d7XyTzFacebook: https://www.facebook.com/faytenetvInstagram: https://www.instagram.com/faytene/ Twitter: https://twitter.com/fayteneFlote: https://flote.app/user/FayteneVimeo: https://vimeo.com/channels/faytenetvBitchute: www.bitchute.com/channel/faytenetvRumble: https://rumble.com/user/faytenetvGab: https://gab.com/faytene#faytene #Canada #life #liferoom #weneedalaw #montreal #hospital #doctor #rights #child #support

If you recently saw the revised drinking guidelines in Canada and gasped, you're not alone. Most Canadians are drinking more than two drinks a week, the new low-risk maximum. Ann Dowsett Johnston is an award-winning journalist and the bestselling author of Drink: The Intimate Relationship Between Women and Alcohol, a book named one of the top 10 of the year by the Washington Post. Ann is also now a psychotherapist, and Wendy's friend, mentor and writing coach.   Ann joins Wendy for a discussion about the new alcohol consumption guidelines in Canada released by the Centre on Substance Use and Addiction which replace the 2011 Low-Risk Drinking Guidelines. The new guidelines present a continuum of health risks associated with different levels of alcohol consumption, including the risks of breast and colon cancer, heart disease and stroke. Ann and Wendy discuss what now constitutes low-risk, moderate and high-risk drinking, and whether our thinking needs to change in terms of what constitutes “problematic” drinking and the way we approach this issue and support each other as women. They discuss why, almost 10 years later, as Ann so aptly stated in Drink, alcohol is still “the modern woman's steroid”, and how the overwhelm and stress of the pandemic has spiked drinking levels and continued to normalize women's drinking as a necessary tool of working motherhood. They also discuss the role of alcohol marketing (specifically at women), pricing, and availability have contributed to the normalization of drinking at risky levels and why much of this is a feminist issue. They talk about what needs to happen next, including alcohol labelling and warnings on bottles, and why Big Alcohol is so resistant to these steps. Grab a cup of tea and join Wendy and Ann for a engaging, and thought-provoking conversation! Info on Ann's Writing Your Discovery Courses and psychotherapy services: https://www.anndowsettjohnston.com/ Ann's Ted Talk: ​​https://www.youtube.com/watch?v=LqtZjpI1oVQ

Most Canadians know that doctor-assisted suicide is available for adult patients facing terminal illness, but FBB contributor Shafer Parker reveals that death advocates have successfully moved the goalposts to include adults with non-fatal illnesses or disabilities, while advocates now recommend the same for disabled newborns. The future, where no demographic will be safe from the death enthusiasts, is already here.

Most Canadians will suffer from at least one headache in their lifetime; however, just because it is common, does not mean it is normal. Headache triggers can vary from environment, food, stress, dehydration and others. But for teenagers, poor posture is usually at the top of the list. Poor posture will lead to extra pressure in the upper back and neck resulting in pain and usually a headache. In this episode we review the most common factors as to why your teenager may be experiencing headaches and what can be done about it. Subscribe to our podcast to ensure you don't miss an episode!

The story of the Ken and Barbie Killers.. More like the Dollartree version of Ken and Barbie. This is the case that turned Lynn into the true crime fanatic that she is today.  Most Canadians should know this case. If not please prepare yourself.  Paul Bernardo And Karla Holmolka….  These two were monsters. They sought out innocence, and felt entitled to take it. TRIGGER WARNINGS for sexual abuse, physical abuse and, incest.  Please follow us on Instagram @everythingscarypod And PLEASE  review and subscribe!Support the showIf you're interested in receiving bonus episodes, early release dates, an everything scary sticker and ‘thank you' as well as a shout out on our regular feed! Please join at Patreon//everythingscarypod571

The Bank of Canada raised interest rates by half a percent. Today we discuss that change and whether or not we think they made a mistake! Most Canadians were expecting a 0.75% increase or higher. We were surprised to see 0.50%. If you are enjoying this episode leave us a review! Looking to invest in real estate? Click here to check out our new investment guide! Visit our website at www.thrivemortgage.ca // Check out all of our content by clicking here! --- Send in a voice message: https://anchor.fm/yvrremoshow/message

“Investment fees, for most Canadians, really cause great damage to their ultimate retirement savings.”—  Larry BatesLarry Bates is a name that my clients and long-time listeners know well — I recommend his book to them regularly!Larry is an independent investor advocate, former investment banker, and author of Beat the Bank: The Canadian Guide to Simply Successful Investing. So, it's safe to say that Larry knows a thing or two about how the investment industry works — and how to minimize your risk and get higher returns. In fact, full disclosure: Larry's book is what helped me feel more comfortable about starting to invest!Larry believes that the average investor is not well-served by the investment industry.“Most Canadians are losing, believe it or not, 50% or more of their lifetime investment returns to fees they don't even see or understand,” Larry explains.The investment advisors at your bank do not act in your best interest. It's important to make informed decisions about your investments!In‌ ‌this‌ ‌episode,‌ ‌you'll discover:‌ ‌How sneaky investment fees seriously hinder your investment returns and retirement plans — and why so few people know about them How fee disclosure laws work (and don't work) to reveal the true costs of investing The low-cost, alternative investment products you should considerAbout Larry Bates: Larry Bates is an independent investor advocate, author, consultant and speaker. Larry enjoyed a 35 year banking career with several major financial institutions in both Canada and the U.K. He is currently an investment advisor with Aligned Capital Partners Inc. Larry is on the board of FAIR Canada and is an Ambassador of the Transparency Task Force.  Highlights:‌ ‌00:44  Introduction01:45  Meet Larry Bates02:55  Beat the Bank06:01  Fee disclosure law09:01  Importance of learning the basics10:16  Investment firm v. ScotiaBank story12:04  Trust deficit v. trust surplus14:03  Index ETFs & robo-advisors 16:38  How to use the market20:08  T-Rex Score & FAIR22:58  Takeaway ‌Links:‌ ‌Larry Bateshttps://larrybates.ca https://www.facebook.com/profile.php?id=100014692831838 Twitter: @LarryBatesBTBLinks:‌ ‌Link to calendar (free 30 min consult call)Main website

Canada's euthanasia laws are referred to as Medical Assistance in Dying or MAID. As the numbers of individuals who chose to utilize this law exceeded 10,000 in 2021, Canada's MAID laws are facing increased scrutiny. Darnell & Joel discuss the following: The uniqueness of Canadian euthanasia  Is libertarianism to blame for Canada's progressive euthanasia policy? Most Canadians consider MAID as a service of compassion. Death Panels Video Podcast: https://youtu.be/dGggONr7uAc https://linktr.ee/sixcentsreport Support us at buymeacoffee.com/SixCentsReport Produced by Madden Mitchell Media Song from our intro: Sho Baraka - Pedantic Related Episodes: #163 & #29 References: Canada's New Euthanasia Laws Carry Upsetting Nazi-Era Echoes, Warns Expert Medically assisted deaths could save millions in health care spending: Report More than 10,000 Canadians received a medically-assisted death in 2021: report Canada will soon offer doctor-assisted death to the mentally ill. Who should be eligible? Trish Wood Podcast #126 - Euthanasia episode Canadian Disabled Man Denied Care but Offered Euthanasia Give us your two cents via: Facebook Twitter sixcentsreport@gmail.com

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In recent weeks on 10/3, we've highlighted a new true crime podcast from Postmedia and Antica productions, called True Crime Byline. The show looks at some of the biggest criminal cases in the country, and what it was like for the journalists who covered them. True Crime Byline is available now, wherever you find this podcast, but have a listen to the first episode right here: This isn't a story about Robert Pickton. Most Canadians know the name Robert Pickton, the pig farmer from a Vancouver suburb who goes by Willy and was convicted of murdering six vulnerable women, although he once bragged to an undercover officer that he had killed 49 female victims. We know Pickton's name in the same way we know the names of most notorious murderers who make headlines for their heinous crimes. But there are so many other people whose names we should also know: the 33 women whose DNA was found on his farm; the hundreds of family members — parents, siblings, children — who continue to mourn for these women and who, in some cases, are still fighting for answers and justice; and the advocates who keep on lobbying for changes to laws and societal attitudes, so that vulnerable women can be better protected in the future. This story began long before we heard Pickton's name, and has carried on long after he was sentenced to life in prison. Listen to this podcast for the heart-breaking history of Canada's most prolific serial killer case, as told by Vancouver Sun reporter Lori Culbert. Learn more about your ad choices. Visit megaphone.fm/adchoices

Guest: Alex Boyd, Toronto Star reporter Almost two years after the first COVID-19 vaccines arrived in Canada, the excitement is somewhat over. Most Canadians are now vaccinated and demand is grinding to a halt. The rush for vaccines has also slowed down considerably after recently lifted mandates. This means that millions of doses are lying unused, just weeks or months away from expiring. And millions of vaccines have been thrown away. Vaccination continues to lag in low-income countries. In the meantime, just how many vaccines are we tossing in the garbage and can Canada actually do anything to prevent this vaccine wastage? This episode was produced by Saba Eitizaz, Alexis Green and Matthew Hearn

Most Canadians expect to get infected with COVID, and 2-in-5 say restrictions should end, poll suggests Shachi Kurl, President of the Angus Reid Institute breaks down the latest Angus Reid poll that says 2-in-5 Canadians think they will get COVID. Plus, your calls!  Prince Andrew renounces military titles, patronages ahead of lawsuit Patricia Treble, Royal watcher at Maclean's for almost 20 years joins u s to discuss the latest developments with Prince Andrew ahead of his lawsuit  The Jas Johal Show Political Panel This week on The Jas Johal Political Panel:  Jillian Oliver - Former press secretary and for the BC Greens, and Senior Advisor on their 2020 election campaign Mary Polak - Strategic Advisor with Maple Leaf Strategies Inc and formerly a cabinet minister and opposition house leader during her 15 years as an MLA for Langley  COPE is aiming to get a majority on Vancouver City Council this election -- after only running three candidates in 2018. Frances Bula, Civic Affairs Reporter for the Globe and Mail joins us to discuss the latest developments out of Vancouver City Hall. Plus, your calls!  UBC study concludes that more Canadians may be driving high since cannabis legalization Kyla Lee, Criminal Defence Lawyer at Acumen Law discusses the legality around driving while high  Are streaming services now creating the very problem consumers wanted them to resolve? CKNW Contributor Jawn Jang, Jas Johal Show technical producer Ryan Lehal and host Bruce Claggett reveal their viewing habits. Are there too many streaming services these days? 

Guest: Edward Keenan, The Star's Washington Bureau Chief As the Omicron variant of COVID-19 spreads rapidly and infects people, stark contrasts in approach by Canada and the U.S have become evident. Most Canadians have cancelled plans, huddled into lockdowns and braced for public health restrictions. Meanwhile across the border, America is open for business even as the country shattered a global record with more than 1.35 million COVID-19 cases in a single day.

With just a few races still to be decided, you may want to talk about the results of the federal election. Most Canadians agree it was a waste of time since the new Liberal minority government will look almost identical to the previous Liberal government. But there is the fallout from the election and the now uncertain futures of Conservative Leader Erin O'Toole, NDP Leader Jugmeet Singh and Green Party Leader Annamie Paul.

“Investment fees, for most Canadians, really cause great damage to their ultimate retirement savings.”—  Larry BatesLarry Bates is a name that my clients and long-time listeners know well — I recommend his book to them regularly!Larry is an independent investor advocate, former investment banker, and author of Beat the Bank: The Canadian Guide to Simply Successful Investing.So, it's safe to say that Larry knows a thing or two about how the investment industry works — and how to minimize your risk and get higher returns. In fact, full disclosure: Larry's book is what helped me feel more comfortable about starting to invest!Larry believes that the average investor is not well-served by the investment industry.“Most Canadians are losing, believe it or not, 50% or more of their lifetime investment returns to fees they don't even see or understand,” Larry explains.The investment advisors at your bank do not act in your best interest. It's important to make informed decisions about your investments!In‌ ‌this‌ ‌episode,‌ ‌you'll discover:‌How sneaky investment fees seriously hinder your investment returns and retirement plans — and why so few people know about themHow fee disclosure laws work (and don't work) to reveal the true costs of investingThe low-cost, alternative investment products you should considerAbout Larry Bates: Larry Bates is an independent investor advocate, author, consultant and speaker. Larry enjoyed a 35 year banking career with several major financial institutions in both Canada and the U.K. He is currently an investment advisor with Aligned Capital Partners Inc. Larry is on the board of FAIR Canada and is an Ambassador of the Transparency Task Force.Highlights:‌ ‌00:44  Introduction01:45  Meet Larry Bates02:55  Beat the Bank06:01  Fee disclosure law09:01  Importance of learning the basics10:16  Investment firm v. ScotiaBank story12:04  Trust deficit v. trust surplus14:03  Index ETFs & robo-advisors16:38  How to use the market20:08  T-Rex Score & FAIR22:58  TakeawayLinks:‌Larry Bateshttps://larrybates.cahttps://www.facebook.com/profile.php?id=100014692831838Twitter: @LarryBatesBTB  The Business Society: https://thebusinesssociety.co5-Step Roadmap to Biz Finance Freedom: https://melissahoustoncpa.lpages.co/5-step-biz-finance-roadmapWork with me: https://www.melissahoustoncpa.com/work-with-meWant more tips and inspiration? Follow me on Twitter @melissahcpa and Pinterest @melissahoustoncpacga and visit my website: https://www.melissahoustoncpa.comThis holiday season visit shop1in5.com, a new platform from The Product Bosses to support small businesses and receive hundreds of discounts for the entire month of November! Head to https://shop1in5.com/deals and enter your email address to receive your guide! Happy shopping!

On this episode of Financial Planning For Canadian Business Owners, Jason Pereira talks to Matthew Inglis. He is the founder of Creditor Insurance Watchdogs, which is division of Mobile Advisors. Matthew specializes in educating people and providing tools for people to get better rates and better coverage on their various forms of creditor insurance.Episode Highlights:01.38: Matthew is a life and health insurance advisor. He has been in the industry for a long period of time that just has bones to pick with specific industries. He finds the best way to express myself through Insurtech Technology. 01.53: Matthew explains - creditor insurance - in a nutshell, is a product that is offered by financial institutions to make sure that your loans are taken care of and paid off in the event of a death. It is typically sold through all types of different financial lenders and institutions within Canada.03.20: Depending on what financial institution or mortgage broker or mortgage organization you are borrowing from you will run into products like creditor life, creditor critical illness and creditor disability insurance.05.27: Most Canadians don't know when they are purchasing greater insurance products when rates are blended. This means that male and female blended smoker nonsmoker translates into is that non-smoking female who is paying the same mortgage as a male who smokes in packet day. 06.11: Matthew says that creditor disability insurance is blended so male female smoker, non-smoker it is blended but what is even worse is that all of all clauses are blended as well. 6.43 Jason explains that a female accountant that's in office all day is going to be paying the same to protect her mortgage payment from disability as a guy that is swinging a pipe wrench with a smoking as well standing on the rig floor as a roughneck. 7.42 Jason points out that, when you go and apply for an insurance policy through a licensed insurance agent, you basically have to go through the underwriting process that can mean medical questions.9.09: Matthew says underwriting is black and white. If you get it right, it's good, but it's not about whether or not we get it right in front of professionals that help me get it right now and the seriousness of the simplified questions that these people are answered. 10.38: Referring to the strengths and weaknesses to the contractual insurance strengths and weaknesses so it could be 99% of the consumers out there are going to make a switch based on saving money, not contractual obligations.11.42: Matthew says some mortgage creditor products are portable, most aren't. You switch your mortgage and upon time of application for your creditor insurance on your first mortgage you were insurable, but you aren't moving forward as you switch mortgage carriers. 12.25: Jason talks about the bottom line of paying less. If anybody decides to move their financial situations because they are getting a better deal, he is back to square one.15.35: The first opportunity that a Canadian consumer has to learn anything about life, critical illness, or disability insurance is being taught to them by a banker who knows nothing about it, says Matthew16.01 The real big problem is that people will often go to their banker, mortgage broker, automotive dealership, whatever, and be offered life and health insurance products prior to a Canadian consumer actually understanding what the process is. 18.14: A person needs to take into consideration the traditional criticalness insurance side, carriers are constantly evolving their definitions so that they are more competitive and more attractive, says Mathew.21.55 Matthew explains how Canadian consumers, all they know is their credit or insurance. They know absolutely nothing about traditional life and health insurance space. Because their bankers and lenders, which doesn't make any sense at all about, says Matthew22.52 Matthew points out about the rule of thumb - the more your debt, the older you are, the more you're going to be spending on creditor insurance problems. 24.04 Matt suggests identifying the primary product and then when you have identified the primary product that you want to replace your client, go start digging up the secondary stuff so likelihood of them having primary or creditor insurance on a primary loan is going to be a skill off. 25.24: Matthew suggests, when we are comparing traditional disability creditor disability insurance were actually using a product that takes all class into consideration, which means your disability insurance is priced on the risk of your occupation. 26.45 Matthew says that the creditor critical illness insurance only covers three illnesses and at age 55 it would be increasing in price every year.27.45: The policy along time of claim pays you, not the bank. You can determine how much or how little of that goes to paying off said loan based on the factors of your life, says Jason.3 Key Points:In today's episode Matthew is going to explain the concept of creditor insurance, where the flaws and gaps are in the current normal credit insurance people get daily basis is and how to do something better and actually protect yourself with a high degree of certainty. CUMIS creditor insurance certificate states that if you have not made your critical illness claim given in a specific number of days from the date of your critical illness, they could literally say it right there contractually declined, says Matthew.Jason inquires, how does disability differ from a typical disability policy we get from an advisor or even the group insurance policy plan?”Tweetable Quotes:“Underwriting is black and white. If you get it right, it is good” - Matthew Inglis“If you're clean, healthy, you've never had a problem you check those underwriting question boxes and you got no problem whatsoever, but these are very loosely open to interpretation.” – Jason“The big things other than beating up the price are those portability, declining balance and conversion option.” - Matthew Inglis“There comes a point in time in everyone's life where it is no longer about renting insurance and protecting debt. it is about buying insurance and protecting its stated legacy.” - Matthew InglisResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedIn'Woodgate.com – SponsorLinkedIn – Jason Pereira's LinkedInMatthew Inglis: LinkedIn | Website Podcast EditingTranscript See acast.com/privacy for privacy and opt-out information.

Most Canadians would prefer to talk about a mysterious rash they have, than discuss their finances. Still, to get the best possible plan and develop the most effective relationship with your financial service providers, you have to learn to be ok talking about money. This special episode is taken from a recent webinar designed to help you feel as comfortable being Barenaked about money as we are.

Most Canadians support vaccine passports for large events in their province. And it's even more relevant for us now that mandatory masks and other health measures are being eased in parts of the Maritimes. I have a simple way to figure out how I'll be responding to people without asking them about their vaccination status.

On today's show: Another weekend of parties at English Bay The importance of Crime Stoppers! Most Canadians show no regret in getting AstraZeneca! Facts about the vax! Water safety with Dale Miller! See omnystudio.com/listener for privacy information.

Most Canadians have been grounded from travel during COVID-19, but behind the scenes, credit card companies have been making plenty of changes to their travel rewards programs. Barry Choi is a personal finance and travel expert based in Toronto, who makes frequent media appearances in Canada and the U.S. He joins me this week to explain what's going on in the world of travel credit cards, and share some tips on how to maximize your rewards. You can find the show notes for this episode at https://maplemoney.com/149  Do you prefer to invest in socially responsible companies? If so, our sponsor Wealthsimple will help you build a portfolio that focuses on low carbon, cleantech, human rights, and the environment. To get started with Socially Responsible Investing, head over to https://maplemoney.com/wealthsimple today!

Episode 82 - Most Canadians know that we sent thousands of soldiers to Afghanistan beginning in 2002 to help fight Al Qaeda. Far fewer know we sent hundreds of police officers as well. This is the story of one of them, an RCMP officer who spent time there in 2011-12 and wrote a book about it.►Check out Cops in Kabul by William C. MaloneAbout my guest William C. Malone:William C. Malone is no stranger to international policing, having served in Africa and Haiti, and he relies upon those experiences regularly in dealing with the political and foreign service efforts of the other contributing partner countries, whose good intentions are respected but tempered by Malone’s pragmatic operational experience.►Find out more about my guest William MaloneAbout the host Phil Gurski:Phil is the President and CEO of Borealis Threat and Risk Consulting Ltd. and Programme Director for the Security, Economics and Technology (SET) hub at the University of Ottawa’s Professional Development Institute (PDI). He worked as a senior strategic analyst at CSIS (Canadian Security Intelligence Service) from 2001-2015, specializing in violent Islamist-inspired homegrown terrorism and radicalisation.►Check Phil's latest book ''The Peaceable Kingdom'' - https://borealisthreatandrisk.com/the-peaceable-kingdom/►Website - https://borealisthreatandrisk.com/►Twitter - https://twitter.com/borealissaves►LinkedIn - https://www.linkedin.com/in/phil-gurski-8942468/►Email - borealisrisk@gmail.com

Most Canadians didn't learn much about slavery in Canada in history class. Curriculums in this country have mostly focused on the Underground Railroad and largely glossed over the fact that slavery was legal here. That history explains much about the blatant racism that still exists in this country today, but it also explains far less obvious things about the everyday lives of many Black Canadians. We're starting to confront that history now, but we have a long way to go. GUEST: Charmaine A. Nelson is the Tier I Canada Research Chair in Transatlantic Black Diasporic Art and Community Engagement at NSCAD University. She will direct the first-ever institute for the study of Canadian Slavery.

A private members' bill has been put forward with the hope of ending Daylight Saving Time. While it may seem like a simple change to the clocks by an hour twice a year, science has found that doing so is pretty bad for your health but just how bad is it? Guest: Dr. Richard Cytowic, Neurologist, Speaker & Author - If someone brought up the Supreme Court, your mind likely goes to the Supreme Court of the United States but not the Supreme Court of Canada. Most Canadians know next to nothing about our own Supreme Court and its justices, why is that? Guest: Philip Slayton, Lawyer, Former Clerk for the Supreme Court of Canada & Author of "Mighty Judgment: How the Supreme Court of Canada Runs Your Life" - Being able to communicate with someone is a wonderful thing but when you don't know how to speak their language, communication becomes a very hard thing to do. That's not a problem for Arieh Smith a.k.a Xiaomanyc who's able to not only speak Mandarin Chinese at a near-native level but also learn new languages to a conversational level within 24 hours. Is there a trick to learning languages and how do people react when a Caucasian guy knows their native tongue so well? Guest: Arieh Smith a.k.a. Xiaomanyc, YouTuber and Mandarin Chinese Teacher See omnystudio.com/listener for privacy information.

You could say that Nicole Verkindt was born into business. The child of aerospace industry entrepreneurs, she founded her own global company called OMX in her twenties, and she hasn't looked back. Most Canadians know Nicole from her stint as a Dragon on CBC's popular Next Gen Den and from her frequent media commentary, and this award-winning business leader continues to smash glass ceilings everywhere she goes.

Chapter 1: There has been an interesting twist in the WE Charity scandal involving the prime minister and his finance minister Guest: Stewart Bell, Global News Investigative Journalist Chapter 2: Scientists and researchers in this province have been working for decades to try to control invasive pests that can destroy a whole range of plants and trees. Niki Reitmayer spoke to UBC Faculty of Forestry professor Richard Hamelin, who specializes in forest pathology. He helped design a system for rapid DNA detection in the field that can identify pests without that information having to be sent - sometimes hundreds of kilometres - back to a laboratory. This should be a big help in combating destructive species like the Asian Gypsy Moth Chapter 3: To help people stay active and safe in six of B.C.'s most popular provincial parks, the government is introducing a new, free day-use pass pilot program. Beginning Monday, July 27, 2020, people can get a free BC Parks day-use pass and visit certain areas in six of the busiest parks Chapter 4: Most Canadians support border closures that have been restricting travel between Canada and the US. However, should there be an exception made for residents in Point Roberts? Our neighbours in this small enclave - named the safest place in America to be during the COVID-19 pandemic - have found themselves struggling to cope with isolation.  Guest: Christopher Carleton, Point Roberts Fire Chief (Watcom County Fire District 5) Chapter 5: Well everyone is wondering what's going to happen when school starts in September, and a lack of any kind of national framework for childcare has experts and researchers concerned.  Guest: Monica Lysak, Professor in the Faculty of Applied Health and Community Studies at Sheridan College. Chapter 6: Province concludes economic recovery consultations.  The provincial government has been consulting with members of the business community on what they need to recover from the pandemic.  Guest: Bridgitte Anderson, President and CEO of the Greater Vancouver Board of Trade, part of the Premier's Economic Recovery Task Force. Chapter 7: Provincial health officer Dr. Bonnie Henry says that bylaw officers have the authority to step in if people are flagrantly violating the health measures she's prescribed, but everyone has seen the drum circle at third beach earlier this week that brought hundreds of people into really close contact.  So why isn't anything being done, and what exactly is on the table in terms of what CAN be done.  Guest: Sarah Leamon, Founder of the Sarah Leamon Law Group

Most Canadians aren't saving enough. How can financial advice help? Researcher Sheila Rao explains the symbiotic relationship between individual savings and Canada's economy, and why it pays to get advice. The full story:  To find out how retaining financial advice pays off in the long run, check out our interactive page, Saving for the Future, at https://www.conferenceboard.ca/focus-areas/canadian-economics/2020/saving-for-the-future.  Find all our Economics projects at https://www.conferenceboard.ca/focus-areas/canadian-economics. And access all our research at conferenceboard.ca. 

Summer is one of the most expensive times of year. Most Canadians plan to spend over $3000 on vacation alone. Include higher prices on fuel and food, and it's easy to come out of the season with debt. This year, we want to take a more thoughtful approach to summer spending, and that's why Travis and Derrick have asked Dan Adair to return to WealthBeing for a conversation about having a fun – yet frugal – few months.  1:45–Money Problem:Derrick's client had big dreams – but a small budget - for his summer recreation project. Was it worth some debt or was there a better solution?  3:00– Expert Examination:Travis, Derrickand Dan discuss the spending traps to be aware of during the summer and the best strategies to play now without paying later:  Why “summer spending” deserves special consideration in your budget. How your spending is influenced by the weather and work patterns. Avoiding end-of-season debt. Purchases that add up in the summer. Ways to have it all – a fun and memory-making summer without digging into savings or credit. Not travelling this year?Options to use those savings instead.  23:00–Weekly Financial Fix:Travis challenges you to save your money for fun by getting your hands dirty.  If you have an undiagnosed financial concern or want to better understand a financial subject, send Travis and Derrickyour question at islandsavings.ca/wealthbeing, or at wealthbeing@firstwestcu.ca, and we will consider it for a future episode. 

Most Canadians who worry about out-of-control government spending focus on the big ticket items: corporate welfare, new unaffordable entitlement programs, or sending money overseas to corrupt international bodies and authoritarian governments. But most Canadians would be surprised by the corruption, fraud and lack of competition in our own government, particularly when it comes to things like infrastructure projects. Ottawa building contractor and former chairman of Merit Canada Walter Pamic knows a thing or two about this waste. Walter joins True North's Candice Malcolm on The Candice Malcolm Show to discuss. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most Canadians do not approve of Prime Minister Justin Trudeau‘s government and how ongoing nationwide blockades in solidarity with the Wet'suwet'en Nation have been handled so far, a new poll suggests. According to an Ipsos poll done for Global News, 60 per cent of Canadians do not approve of the current government and 62 per cent say the same about protests that have intermittently blocked rail lines, roads, border crossings and access to government buildings for almost a month.   Guest:   Darrell Bricker  CEO of Ipsos Public Affairs

Today we are kicking off season four of the 4 am Report

2 weeks until Halloween. Tim and Kelsey encountered a person dressed as a black faced spider. Hey guess where you can get free soda - the West Edmonton Mall Water Park! Ever had a stuffing waffle? You should. In Manitoba they haven't had power since Thanksgiving. Most Canadians have already voted. The Big Buck Hunter Champion is from Regina. An amazing autumn dinner idea. And mouth noise... you won't hear any on this podcast. Thanks for listening. Tell your friends!

Most Canadians no longer believe in the Canadian government nor its institutions. Those who think that that the government is broken are now at 52% according to a 2019 IPSOS poll. This is a stunning 15% increase in just three years. The failing immigration screening process and refugee system is one of the problems. Far from having effective screening processes in place, some of the government screening systems are known to be fake. This includes the ETA or Canada Electronic Travel Authorization Services. It is, quite literally, a fake system with no actual screen value. It looks real, but does nothing. Help support Operation: Kill Switch at www.OperationKillSwitch.com Apple Podcasts http://itunes.apple.com/ca/podcast/quiggin-report/id1361779100?mt=2 SoundCloud www.soundcloud.com/quigginreport Stitcher Radio www.stitcher.com/podcast/quigginreport Google Play https://play.google.com/music/m/Ijozso2tqcinynbnixt5zm6nwga?t=Quiggin_Report Spotify https://open.spotify.com/show/2qNLS66w5JutxTAyknjQcV?si=qvbEe1GBSKanLne8_8ettQ BitChute https://www.bitchute.com/channel/quigginreport/ Connect With us. Twitter: @QuigginReport Gab.ai: @QuigginReport Facebook: www.facebook.com/quigginreport Help Us Fight Back www.OperationKillSwitch.com

Most Canadians probably do not want a government that is controlled by Islamists or by globalists. Canadians are tired of the crushing attacks on free speech and tired of political correctness. They are tired of the fake accusations of Nazism coming out of the Prime Minister’s office and tired of the false accusations of racism coming from the prime minister and his cohort of submissive cabinet ministers. They are tired of the Prime Minister’s support for ISIS fighters and for fake hijab attacks. They are tired of the mindless claims of Islamophobia being used to silence anyone who opposes Muslim Brotherhood front groups. Canada is at a cross road with the federal election of October 2019. Help support Operation: Kill Switch at www.OperationKillSwitch.com Apple Podcasts http://itunes.apple.com/ca/podcast/quiggin-report/id1361779100?mt=2 SoundCloud www.soundcloud.com/quigginreport Stitcher Radio www.stitcher.com/podcast/quigginreport Google Play https://play.google.com/music/m/Ijozso2tqcinynbnixt5zm6nwga?t=Quiggin_Report Spotify https://open.spotify.com/show/2qNLS66w5JutxTAyknjQcV?si=qvbEe1GBSKanLne8_8ettQ Connect With us. Twitter: @QuigginReport Gab.ai: @QuigginReport Facebook: www.facebook.com/quigginreport Help Us Fight Back www.OperationKillSwitch.com

Most Canadians are too nice to talk trash about the Warriors, while ONE Canadian has been arrested for making vulgar comments about Steph Currys wife. Our Dodgers insider, David Vassegh joins us from San Francisco ahead of the teams' 3 game set in the bay area

Most Canadians may not think of recycling as a business - but behind the scenes - the goal is to sell almost everything that's put in your blue bin, or your yellow paper-bag. There's a price for paper, cardboard, different types of plastic and glass. For years, we sent nearly half of our recycling to buyers in other countries - but since China shut its doors and with other Asian countries now doing the same - that business model is collapsing. Factories and mills are closing, some cities are losing millions - and there's a cry to ‘rethink' the economics of ‘recycling'. So what's does this mean for where our recyclables end up? And how are our municipalities making money from the goods you and I dispose of? Guest: Maria Kelleher Founder of ‘Environmental Consulting'

Most Canadians trust media, but a Global News survey found that nearly just as many worry about fake news being weaponized. With major news stories breaking around us, how to interpret the information contained in this story and poll? Read more about the Global News story here: https://globalnews.ca/news/4964202/canadians-fake-news-weaponized/ Subscribe to the Roy Green Show on Google Podcasts, Apple Podcasts, Spotify or anywhere else you find your favourite podcasts. Guest:  Professor Jane Kirtley, Professor of media ethics and law at the Hubbard School of Journalism and Mass Communication at the University of Minnesota, served as executive director of The Reporters Committee for Freedom of the Press for 14 years, author of ‘Media Law & Media Ethics Today' See omnystudio.com/listener for privacy information.

Most Canadians have little concept of how vast the arctic really is, think of an area larger than Europe and you'll start to get an appreciation of the scale of the area Canada needs to protect. My guest for this weeks SpaceQ podcast is Colonel (Retired) Pierre Leblanc, principal at Arctic Security Consultants. Colonel Leblanc has spent over 20 years working on Arctic security issues including commanding Canadian Forces Northern Area for an extended five year period. During that time he had the opportunity to travel extensively throughout the Arctic, including formal visits to Alaska and Greenland. He is the founder of the Canadian Government Arctic Security Interdepartmental Working Group, an advisory body which comprises 11 federal departments. Today we’ll be talking about arctic security and space. I'll note that at the end of the podcast I asked Colonel Leblanc what book he had recently read that might of interest to our listeners. He suggested China and the Age of Strategic Rivalry which was produced by the Canadian Security Intelligence Service and was the product from one of their academic outreach workshops. You can download the book from the SpaceQ website in our story: The Arctic Security and Space Podcast. Listen in.

Most Canadians are getting enough sleep but statistics reveal the numbers are dropping and the quality of that rest continues to suffer. Figuring out how to improve our sleep patterns has led to a confusing environment filled with pharmaceuticals, natural health products, and even supplements of chemicals naturally found in our bodies. On this week’s episode of The Super Awesome Science Show, we crawl under the covers of sleep science to find out what may work best to help us get some rest. I talk with neuroscientist, Dr. Michael Antle at the University of Calgary, about the biology of sleep and why it can be difficult to get the quality we need. We also examine the different options to help us find that slumber. The answer may lie not in supplementation but supine poses.  We then explore a traditional method to help us get to sleep. Scientifically it’s known as bibliotherapy but most of us call it bedtime stories. I talk with Kathryn Nicolai who has a podcast designed to give adults an enjoyable night’s rest through relaxing and enjoyable storytelling.  In our SASS class, we explore one reason kids don’t get enough sleep, school start times. We learn from Dr. Geneviève Gariépy that an early school bell could mean problems for students’ performance and weight. If you enjoy The Super Awesome Science Show, please take a minute to rate it on Apple Podcasts or Google Podcasts, tell us what you think and please tell a friend about the show. Twitter: @JATetro Email: thegermguy@gmail.com   Guests: Dr. Michael Antle, Professor, University of Calgary Website: https://psyc.ucalgary.ca/profiles/michael-antle   Kathryn Nicolai, Host, Nothing Much Happens Website: https://www.nothingmuchhappens.com/ Dr. Geneviève Gariépy, McGill University Institute for Health and Social Policy Twitter: @DrGenGariepy Website: https://genevievegariepy.com   

Sources used in this episode: Thieb Peterson, “Globalization Report 2018: What about the NAFTA Countries?” Global Economic Dynamics Blog, June 13, 2018: https://ged-project.de/ged-blog/improving-public-understanding-of-economic-globalisation/globalization-report-2018-what-about-the-nafta-countries/ Bruce Anderson and David Coletto, “Most Canadians would vote for the USMCA deal,” Abacus Data, October 16, 2018: http://abacusdata.ca/most-canadians-would-vote-for-the-usmca-deal/ Financial Post, “Barely a third of Canadians happy with new North American trade deal, poll suggests,” October 23, 2018: https://business.financialpost.com/news/barely-a-third-of-canadians-happy-with-new-north-american-trade-deal-poll-suggests Jolanta Drozdz, Algirdas Miškinis, “Benefits and Threats of Free Trade,” Publishing House of Wrocław University of Economics, 2011: 41: http://www.dbc.wroc.pl/Content/20819/Drozd_Miskinis_Benefits_and_threats_of_free.pdf Government of Canada, “Minerals and the economy,” Natural Resources Canada, August 8, 2018: https://www.nrcan.gc.ca/mining-materials/facts/minerals-economy/20529#production Government of Canada, “Canadian Mining Assets,” Natural Resources Canada, February 2018: https://www.nrcan.gc.ca/mining-materials/publications/19323 Ian Fergusson, “The Trade and Investment Relationship,” United States-Canada Trade and Economic Relationship: Prospects and Challenges, September 14, 2011: 3. https://fas.org/sgp/crs/row/RL33087.pdf Dr. Veena Jha et. al, “Literature Review,” Renegotiating NAFTA: Pros and Cons for Canada and Mexico, iisd.org, September 2017: https://www.iisd.org/sites/default/files/publications/renegotiating-nafta-pros-cons-canada-mexico.pdf --- Support this podcast: https://anchor.fm/strongandfree/support

http://www.alainguillot.com/kornel-szrejber/ Kornel first became well known for paying his mortgage in his 20s. In a society where people are making mortgage payments way into their 50s, Kornel decided he didn't want any of that, he didn't want to be a slave to his bank. Once his mortgage was paid off, once he and his wife have learned the virtues of frugality, by saving 50% of their income, they focused all their energy into pilling money in their retirement accounts. By age 32 Kornel was Financially Independent. Kornel prefers freedom to work the 9 to 5 In a society, where people live from paycheck to paycheck, in a society where we are manipulated by advertising companies, and where we are persuaded to continue buying the latest this or that, Kornel decided to ignore the noise and focus on what's really important,  freedom to spend time with his family, freedom to build his days as he wants to instead of obeying the whims of an employer. If Kornel can do it, anyone can do it Kornel had a middle-class salary, nothing spectacular. But his priorities were different. Instead of spending, he opted for saving, and by age 32 he had accumulated enough wealth to stop working if he wanted to. This is a testament, that we can all do the same. We need to increase the gap between what we earn and what we save, and we too, we can have the opportunity to retire early. Why did Kornel create his podcast? In his search to educate himself about personal finance, Kornel decided to create the Build Wealth Canada Show, one of the best personal finance podcasts in Canada. Kornel found that there is a lot of good information out there, but there is a lot of bad information as well. And sometimes, it's hard to tell good information from bad information. What makes things more difficult is that there are a lot of soft pitches to sell something to the person who's consuming the information. How can you tell which information is good? Which information is mediocre? Which information has a hidden agenda? To find out the answer to those questions, Kornel started interviewing experts in different phases of the personal finance arena, he recorded those interviews and made them available to the rest of us. Most actively managed mutual funds underperform the index We spoke about the Spiva report, a report which shows that in the U.S. 84% of active mutual fund managers don't beat the S&P 500 and in Canada 81% of active mutual fund managers don't beat the Canadian index. In spite of this evidence, most Canadian, own high fee mutual funds, because that's what their commission-based financial advisers seld to them. Most Canadians haven't done the homework to know that there are better alternatives out there. There is a growing trend of some Canadians switching from commission-based financial adviser to fee for service financial advisers. But most Canadian are unaware of the utility of fee for service financial advisors and continue overpaying hundreds of thousands of dollars for inferior services. There is not enough $$$ in real estate to compensate for the stress Kornel also dipped his hands into some real estate investment, but after 5 years, he figured out that the profits are not substantial enough to compensate for the increased level of responsibility that comes with investing in real estate. The best podcast episode Kornel’s most popular podcast episode is: How to Save Thousands at Your Bank – Secrets of an Ex-Banker. Go check it out. About how to negotiate with a bank. Where are the banks flexible or not flexible, how to get the best rates? What are the conflicts of interests? How does Kornel manages his investments? Kornel’s portfolio is 100% in equities. 1/3 Canadian, 1/3 US, and 1/3 international. After, the sale of his real estate, he may consider adding some bonds to his portfolio. Notice, that the consideration of divesting some money into bonds, has nothing to do with his age, as many finance book suggests. Kornel reached financial independence, he hit his number, now whatever extra money Kornel have he could use it to play more aggressive or to play it safe. Kornel teaches you how to invest Kornel has a course on how to do index investing for Canadian investors. The course is only $97. He shows people how to go into investing in a comprehensive manner. I think that this course is of great value for anyone who wants to know how to invest their own money. I have a friend who uses the service of a financial adviser. All his money is invested in high expense mutual funds. My friend is paying thousands of dollars for inferior service. He would be so much better by taking a few hours of his day and learning how to manage his own money. Here is Kornel's course. This is NOT an affiliate offer, I get no commision for endorsing this course.      

Free speech GONE in Canada and Most Canadians have NO IDEA it's happened

Dom, Ryley, and Sam discuss how jumphouses are underrated, discover Canadian vs. American words, and hear about Ryley's drunkest night ever.   Fact Check Disclaimer: The iPhone x is bigger than the iPhone 7+ Mustard wont condense together broken shards of glass Potato's do not convert any type of electricity if you just plug something in In 10 years, Jumphouses have only killed 12 people The first Calgary Stampede was in 1912 Most Canadians do not use birds as currency

Lynn Whetham speaks with Sherri Grosz from Abundance Canada regarding the best ways for Canadians to donate their money. In 2013, the vast majority of Canadians (82%) made financial donations to a charitable or non-profit organization. Most Canadians give cash directly to the charity but there can be good reasons to explore additional ways to give and resources available to help. When donating, regardless of the amount, it’s important that people ensure they can track their donations, both from a financial planning and tax efficiency perspective. Working with a financial planner to build charitable giving into your overall household budget can help ensure you maximize the amount you’re able to give and allow you to take advantage of the tax benefits associated with your donations. www.abundance.ca

Ontario's privatization guru says that as he does a "value assessment" of the province's digital health system, consideration of selling any piece of it is "absolutely" off the table. Health Minister Eric Hoskins asked Ed Clark earlier this month to examine the system as the mandate of eHealth Ontario expires at the end of 2017. Catherine Fife explains. Hillary Clinton and Donald Trump will square off for the third and final time in Las Vegas tonight for what has been dubbed "Fight Night". After two vitriolic presidential debates, much of which were spent trading insults and discussing sexual assault allegations rather than policies, the third could top the lot as Mr Trump battles to make up lost ground on his rival. Global News Bureau Chief Jackson Proskow joins the program. AM640 Legal Analyst Lorne Honickman joins the show. Most Canadians would like an additional 11.5 more vacation days per year, according to the latest annual "Vacation Deprivation" survey from Expedia.ca. But would they take them? On average this year, Canadians received 17.3 vacation days from employers, but will take only 14 of them – leaving three days of unused vacation time on the table. That represents nearly 31 million unused vacation days this year alone, and more than $5.5 billion in wages handed back to employers.

Most Canadians don't hear about the stories Indigenous peoples tell within their communities. Mainstream media only covers the most tragic events affecting Indigenous communities — if it chooses to cover them at all. Now, alternative digital platforms have created an opportunity for these stories to travel outside the communities they are about. Support CANADALAND: https://canadaland.com/joinSee omnystudio.com/listener for privacy information.

Stepright with Lynn Whetham Radio Show Canadians are generous.  We give to many charities every year.  In 2013, the vast majority of Canadians (82%) made financial donations to a charitable or non-profit organization.  The average annual amount per donor was $531 in 2013, up $61 from 2010.  The “top donors,” defined as the 25% of donors who contributed the most money, contribute to about four fifths of the total annual amount of donations in a given year. Most Canadians give cash directly to the charity but there can be good reasons to explore additional ways to give and resources available to help.  Perhaps someone wants to be intentional about their giving.  Perhaps they have additional cash to give away this year – due to selling a business or receiving an inheritance.  Perhaps they are curious about giving stocks or mutual funds or want to know more about donating life insurance. Regardless of the amount or method, it's important that people ensure they can track their donations, both from a financial planning and tax efficiency perspective.  Working with a financial planner to build charitable giving into your overall household budget can help ensure you maximize the amount you're able to give and allow you to take advantage of the tax benefits associated with your donations. www.mennofoundation.ca