Podcasts about Parliament Hill

A day to remember for a rookie MP. There was splendor and majesty galore on display on Parliament Hill. We heard all about this grand initiation into federal politics from newly minted Labrador MP Philip Earle. (Andrew Hawthorn with Philip Earl)

On Tuesday's edition of SaskAgToday with Ryan Young: -Parliament is finally back in session and there is lots to work on with limited time, especially on the agriculture file. Tory Ag Critic John Barlow shared his thoughts on the new Federal Ag Minister Heath MacDonald and what priorities the Minister should focus on. -The Canadian Meat Council is feeling optimistic as business resumes on Parliament Hill and shared items they'd like to see the federal government work on. -The last cattle market update is out before the summer break.

Prime Minister Mark Carney speaks with reporters at Rideau Hall in Ottawa following a swearing-in ceremony for members of his cabinet. This revamping of the federal cabinet comes in the wake of the April 28, 2025, general election. Conservative Leader Pierre Poilievre speaks with reporters on Parliament Hill following the swearing-in for members of Prime Minister Mark Carney's revamped cabinet.Become a supporter of this podcast: https://www.spreaker.com/podcast/policy-and-rights--3339563/support.

Prime Minister Mark Carney holds a news conference at the Canadian Embassy in Washington, D.C., following a bilateral meeting with U.S. President Donald Trump. The prime minister faces questions from reporters on the possibility of renegotiating the CUSMA trade agreement and whether President Trump will drop tariffs against Canada. Carney also comments on the state of the Canada-U.S. relationship following the meeting with Trump. The Euthanasia Prevention Coalition and Delta Hospice Society hold a joint press conference in Ottawa to demand a full review of Canada's medical assistance in dying (MAiD) law. Alex Schadenberg, executive director of the Euthanasia Prevention Coalition and Angelina Ireland, executive director of the Delta Hospice Society, deliver remarks and take questions from reporters. Representatives from the Campaign Life Coalition hold a news conference on Parliament Hill ahead of the National March for Life, which takes place this year on May 8. The organization is expected to raise concerns over the proposed policies of the re-elected Liberal government, including Prime Minister Mark Carney's pledge to cover some costs of in-vitro fertilization Rod Taylor, the national leader of the Christian Heritage Party, holds a news conference in Ottawa to offer suggestions to the newly elected Liberal government.Become a supporter of this podcast: https://www.spreaker.com/podcast/policy-and-rights--3339563/support.

At Issue this week: Prime Minister Mark Carney's new minority government faces multiple challenges, but where should he start? What's next for the Conservatives and Pierre Poilievre? Plus, can the Green Party find a role on Parliament Hill? Rosemary Barton hosts Chantal Hébert, Andrew Coyne and Althia Raj.

Intro Hello to all you patriots out there in podcast land and welcome to Episode 447 of Canadian Patriot Podcast. The number one live podcast in Canada. Recorded April 7th, 2025.   Shout out to Tony, one of our fans I found on Facebook   We need your help! To support Canadian Patriot Podcast visit patreon.com/cpp and become a Patreon. You can get a better quality version of the show for just $1 per episode. Show you're not a communist, buy a CPP T-Shirt, for just $24.99 + shipping and theft. Visit canadianpatriotpodcast.com home page and follow the link on the right.   What are we drinking And 1 Patriot Challenge item that you completed Gavin - Signal Hill & Diet Cherry Pepsi Pierre -  Scotch Grab the Patriot Challenge template from our website and post it in your social media Listener Feedback   We'd love to hear your feedback about the show. Please visit  canadianpatriotpodcast.com/feedback/ or email us at feedback@canadianpatriotpodcast.com A version of the show is Available on iTunes  at https://itunes.apple.com/ca/podcast/canadian-patriot-podcast/id1067964521?mt=2 Upcoming Events Varusteleka Remote Military March, April 25–27, 2025 https://www.varusteleka.com/en/articles/varusteleka-remote-military-march-april-25-27-2025/717   Strava https://www.strava.com/clubs/ragnaruck News Operation to capture Parliament Hill intruder a success, but a moment to reflect https://ottawacitizen.com/news/parliament-hill-lockdown-security-experts   Brookfield runs $50 billion businesses out of Bermuda building with bike shop https://www.ndp.ca/news/brookfield-runs-50-billion-businesses-out-bermuda-building-bike-shop   More Brookfield business entities registered to Bermuda building that houses bike shop https://www.ctvnews.ca/federal-election-2025/article/more-brookfield-business-entities-registered-to-bermuda-building-that-houses-bike-shop/   Carney's firm Brookfield has been accused of breaching Indigenous rights in 4 countries https://www.cbc.ca/news/indigenous/brookfield-carney-indigenous-rights-1.7498967   Liberal Leader Carney pokes at Alberta Premier Smith at first Western campaign stop https://www.ctvnews.ca/federal-election-2025/article/liberal-leader-carney-pokes-at-alberta-premier-smith-at-first-western-campaign-stop/   Former Conservative B.C. candidate says party removed him over past podcast comments https://www.cbc.ca/news/canada/british-columbia/lourence-singh-new-westminster-burnaby-maillardville-1.7503471   Why young voters might not vote this federal election https://www.cbc.ca/news/canada/ottawa/ottawa-federal-election-young-voters-1.7502406 Outro Andrew - https://ragnaroktactical.ca/ Visit us at www.canadianpatriotpodcast.com   We value your opinions so please visit www.canadianpatriotpodcast.com/feedback/ or email us at feedback@canadianpatriotpodcast.com and let us know what you think. Apologies to Rod Giltaca Remember, “you are a small fringe minority” with “unacceptable views”

What happens when a political insider becomes a mom and builds a thriving business during nap time? In this honest and empowering conversation, Melanie Paradis—founder, speechwriter, and mom of two—joins Stephanie to talk about launching and growing a business while raising young kids. From maternity leave misfires to scaling up fast, Melanie shares what's real, what's possible, and how motherhood shaped her leadership. If you're a founder, a parent, or somewhere in between, this one's for you.Melanie ParadisPresident| Texture CommunicationsMelanie Paradis is an expert ghost-writer of speeches, op-eds and by-line articles for leading industry executives and politicians. Her work has been published in Canada's most-read newspapers, and heard on airwaves and streaming services across the nation. An unflappable media and public affairs advisor, Melanie has worked with executives on Bay Street and politicians on Parliament Hill during high stakes crises and moments of transformation. From responding to environmental crises to delivering tough news about shutting down operations, to winning elections - Melanie is the trusted, steady pen you need. Melanie has over 15 years of experience in crisis communications, media and public relations. She has worked with a variety of clients across industries to manage their brand and stakeholder relationships through crises, and to build advocacy coalitions to help get nation-building projects and policies advanced. She has led media relations, editorial and speechwriting for CEOs in finance, transportation, mining, retail, and everything in between; investment bankers, scientists, farmers, Indigenous communities, and politicians. Even a few international athletes and a world-renowned artist.Prior to striking out on her own, Melanie served in senior communications roles at leading national public affairs and government relations firms. Her previous in-house work at one of the world's largest mining companies and a major Canadian Indigenous organization gives her unique insights into clients' day-to-day communications needs.The book mentioned in the episode is:Material World by Ed ConwayOur Patreon: https://www.patreon.com/womendontdothatRecommend guests: https://www.womendontdothat.com/Our Patreon: https://www.patreon.com/womendontdothatRecommend guests: https://www.womendontdothat.com/How to find WOMENdontDOthat:Patreonhttps://www.patreon.com/womendontdothatInstagram - http://www.instagram.com/womendontdothat/TikTok- http://www.tiktok.com/@womendontdothatBlog- https://www.womendontdothat.com/blogPodcast- https://www.womendontdothat.com/podcastNewsletter- https://www.beaconnorthstrategies.com/contactwww.womendontdothat.comYouTube - http://www.youtube.com/@WOMENdontDOthatHow to find Stephanie Mitton:Twitter/X- https://twitter.com/StephanieMittonLinkedIn - https://www.linkedin.com/in/stephaniemitton/beaconnorthstrategies.comTikTok- https://www.tiktok.com/@stephmittonInstagram- https://www.instagram.com/stephaniemitton/Interested in sponsorship? Contact us at hello@womendontdothat.comOur Latest Blog:https://www.womendontdothat.com/post/our-first-beacon-north-christmas-party-a-reflection-on-growth-and-gratitude

Host Sarah Burke and journalist Karen S. Pugliese sit down in Chicago's Midway airport to test out some new mini mics and discuss the state of media, journalism & podcasting after attending the Podcast Movement Evolutions conference and speaking on a panel about opportunities in Canadian podcasting. Karyn shares her journey in journalism, highlighting her experiences in both broadcasting and podcasting. She speaks about her early work on the podcast, The Disappearance of Natasha Lynn Star, which garnered significant attention. They also discuss the challenges faced by women in media, including the impact of Rachel Gilmore's experience having an election fact-checking segment dropped due to "bandwidth." Karen emphasizes the need for media to support journalists and hold mainstream media accountable. More about Karyn S. Pugliese: Karyn Pugliese, also known as Pabàmàdiz— has worked as an investigative journalist, media executive, and press freedom advocate. Her 20-year career includes roles at Canada's National Observer (CNO), managing editor of CBC's Investigative Unit, and five years as a visiting professor at Toronto Metropolitan University. But she's probably best known for her time on Parliament Hill and her seven-year tenure as Executive Director of News and Current Affairs at APTN, where she oversaw the network's news division. She launched her first series of podcasts at APTN, and oversaw production of the award-winning podcast The Salmon People at CNO. Her own series, canadaLANDBACK, was nominated twice for Digital publishing awards, and she contributed to the award-winning series The Pretendians in her recent role as the editor-in-chief at a Canadian podcasting network. She is currently a co-host of the Podcast Auntie Up! Karyn's work has been celebrated with honours like the Hyman Solomon Award for Public Policy Journalism, the Canadian Screen Awards, and the Canadian Association of Journalism Awards. She's also a Martin Wise Goodman Canadian Nieman Fellow from Harvard University. Listen: https://www.aptnnews.ca/the-disappearance-of-natasha-lynn-starr/ https://podcasts.apple.com/ca/podcast/auntie-up/id1592723511 https://www.nationalobserver.com/podcast/salmon-people Follow Karyn on Substack: https://karynpugliese.substack.com/p/we-need-to-talk-about-rachel Women in Media Listeners get 41% off at Cozy Earth! https://cozyearth.com/discount/WOMENINMEDIA Women in Media Listeners Get 15% off at Stand! https://www.standshoes.com/discount/WOMENINMEDIA Learn more about your ad choices. Visit megaphone.fm/adchoices

Representatives from B'nai Brith Canada hold a news conference on Parliament Hill to discuss the findings from the group's audit of antisemitic incidents in Canada for the year 2024. Speaking with reporters are Henry Topas (Quebec regional director), Richard Robertson (director of research and advocacy) and David Matas (senior legal counsel). Liberal Leader Mark Carney holds a campaign event in Victoria, B.C., where he promises measures to help retirees deal with the economic uncertainty associated with U.S. President Donald Trump's global trade war. Carney also proposes a plan to protect Canada's nature, biodiversity and water that would, among other things, create 10 new national parks and marine protected areas. Become a supporter of this podcast: https://www.spreaker.com/podcast/policy-and-rights--3339563/support.

We're approaching the halfway mark of the federal election campaign.NDP leader Jagmeet Singh announces affordable housing plan.One man is under arrest after an hours-long lockdown on Parliament Hill.Ukraine says at least one person is dead after overnight drone and missile strikes in Kyiv.Pope Francis makes his first public appearance since being discharged from hospital two weeks ago.Some of President Donald Trump's new policies have some Canadian sports teams choosing to stay put. Baseball bat makers are seeing a surge in the sport's latest craze - the torpedo bat. Canadian scientist, Dr. Daniel Drucker, wins 2025 Breakthrough Prize in Life Sciences for role in discovering hormone used in Ozempic.

For the latest and most important news of the day | https://www.thecanadianpressnews.ca To watch daily news videos, follow us on YouTube | https://www.youtube.com/@CdnPress The Canadian Press on X (formerly Twitter) | https://twitter.com/CdnPressNews The Canadian Press on LinkedIn | https://linkedin.com/showcase/98791543

Episode 360: On May 18, 1966, Paul Joseph Chartier, among other things, a disillusioned and unemployed security guard and former truck driver, attempted a deadly act of terrorism on Parliament Hill in Ottawa. Chartier planned to throw a homemade dynamite bomb into the House of Commons chamber, targeting politicians he blamed for societal injustices and his personal failures. However, the bomb detonated prematurely in a washroom, killing only Chartier himself. This tragic incident drew significant attention at the time, leading to investigations by the RCMP and led to a federal inquiry. Sources: Robert N. Wilkins: Remembering the man who tried blowing up Parliament, 50 years ago The Munsinger Affair Miner, Author, Singer, Lone-Actor Terrorist: The Lives and Death of Paul Joseph Chartier - University of Toronto Press The Mad Bomber of Parliament Hill by Fontana, James A The Parliament bombing of 1966 Citizen@175: 'I might as well give you a blast to wake you up' IMV_-_Terrorism-Research-Key-findings-eng Learn the lesson of the bad bomb Hewitt_2021_HistoryofLoneActorsinCanadaFinal Inquest Paul Joseph Chartier bombing of Parliament Miner, Author, Singer, Lone-Actor Terrorist: The Lives and Death of Paul Joseph Chartier - University of Toronto Press 201604_clat_final_report — Lone-Actor Terrorism “Happy-Go-Lucky Fellow”: Lone-Actor Terrorism, Masculinity, and the 1966 Bombing on Parliament Hill in Ottawa TSAS-Working-Paper-Hofmann-Lone-Actors-Final Paul Joseph Chartier Parliament will carry on Learn more about your ad choices. Visit megaphone.fm/adchoices

Ministers speak with reporters on Parliament Hill as the Cabinet Committee on Canada-U.S. Relations and National Security meets. They face questions on Canada's ongoing trade disputes with the U.S. and China and U.S. President Donald Trump's recent comments that he would rather deal with a liberal than a conservative government in Canada.   Speaking with reporters are ministers François-Philippe Champagne (finance),  Jonathan Wilkinson (energy and natural resources), Rachel Bendayan (immigration), Kody Blois (agriculture), and Steven MacKinnon (jobs and families).    Foreign Affairs Minister Mélanie Joly also discusses China's recent execution of several Canadian citizens for “drug-related crime.”  the members of the UN Independent International Commission of Inquiry on Ukraine spoke to journalists in Geneva about their latest report to the UN Human Rights Council. The Chair of the Fact-Finding Mission, Erik Møse, and the two other expert members, Vrinda Grover and Pablo de Greiff, participated in a press conference held at the United Nations Office at Geneva. The Secretary-General is still in Brussels today, and a few hours ago, he took part in a working lunch with the Heads of State and Government of the European Union. As we mentioned, he was invited by the President of the European Council, Antonio Costa – and this lunch took place at the opening of the European Council.  The Secretary-General and Mr. Costa spoke to the press as they entered the European Union building. Mr. Guterres expressed his appreciation for our partnership with the EU, reiterating that it is a fundamental pillar of the multilateral response to the challenges we face in peace and security, climate, sustainable development, and human rights.   Turning to the situation in Ukraine, the Secretary-General said any ceasefire is welcome because it saves lives, but he added that it is essential that a ceasefire paves the way for a just peace in Ukraine – a peace that respects the UN Charter, international law, and Security Council resolutions, namely about the territorial integrity of Ukraine.   The Secretary-General renewed his appeal for respect of the ceasefire in Gaza, for unimpeded humanitarian access to all areas of Gaza, and for the immediate and unconditional release of the hostages. His full remarks have been shared with you.                                                                 Tomorrow, the Secretary-General will deliver remarks in Leuven, where the universities KU Leuven and UC Louvain will jointly award an honorary doctorate to the United Nations. In his remarks, Mr. Guterres will pay tribute to the work and commitment of our UN colleagues around the world. The ceremony will be webcast live on UN WebTV.   Tomorrow, the Secretary-General is also scheduled to have a bilateral meeting with the Prime Minister of Belgium, Bart De Wever. The Secretary-General will be back here on Monday morning.Become a supporter of this podcast: https://www.spreaker.com/podcast/policy-and-rights--3339563/support.

President Donald Trump's sweeping tariffs on Canada, Mexico, and China have world leaders and markets reacting sharply. Speaking from Parliament Hill last week, Prime Minister Trudeau says Canada will immediately begin implementing 25 per cent tariffs against 155 billion dollars' worth of American Goods. Trudeau bluntly called Trump's blanket tariffs “dumb”, and said Canadians “will not back down from a fight.” How will these tariffs impact Canadian industries and sectors? And how should Canadian officials approach negotiations and trade talks moving forward? To help us explore Canada's next steps, former Canadian ambassador to the U.S. during the Obama and Trump administrations, David MacNaughton, joins the show today. Recorded on March 5, 2025. At Fidelity, our mission is to build a better future for Canadian investors and help them stay ahead. We offer investors and institutions a range of innovative and trusted investment portfolios to help them reach their financial and life goals. Fidelity mutual funds and ETFs are available by working with a financial advisor or through an online brokerage account. Visit fidelity.ca/howtobuy for more information. For a fourth year in a row, FidelityConnects by Fidelity Investments Canada was ranked #1 podcast by Canadian financial advisors in the 2024 Environics' Advisor Digital Experience Study.

The stock market plunged after U.S. President Trump wouldn't rule out a possible recession due to his tariff policy; and, Mark Carney arrived on Parliament Hill for a full day of briefings after his massive win to become the new Liberal leader.

This week on rabble radio, we're sharing a clip from our February Off the Hill political panel.  In this panel, our guests – including community organizer and political commentator Jennifer Arp; writer and policy researcher Chuka Ejeckam; political, advocacy and communications professional Sabrina Grover; and rabble's own parliamentary reporter Karl Nerenberg – discussed the ongoing high-stakes Liberal leadership race.  Review the entire panel here.  About our guests Chuka Ejeckam is a writer and policy researcher. His work focuses on inequity and inequality, drug policy, structural racism, and labour. He is also a columnist for rabble. Sabrina Grover is an experienced political, advocacy and communications professional with an expertise in the international development and global health and nutrition sectors. Grover served as the campaign manager for the Mark Sutcliffe Campaign for Mayor in Ottawa, and in 2021 Sabrina ran as the Federal Liberal Candidate for Calgary-Centre. She also sits on the board of several organizations including the Public Affairs Association of Canada, the Sled Island Music Festival and HomeSpace where she primarily supports stakeholder relations and building partnerships with government and private sector partners. She's also a frequent political commentator on CBC Calgary, CTV Power Play and the Vassy Kapelos Show. Karl Nerenberg is an award-winning journalist, broadcaster and filmmaker, working in both English and French languages. He is rabble's senior parliamentary reporter. Jennifer Arp is a community leader and non-profit professional. Previous roles include interim national president and CEO with Big Brothers Big Sisters of Canada and senior vice-president of the community at MS Canada. She had the privilege of representing her community on the Toronto District School Board as trustee and vice-chair from 2014-2018 where she led numerous initiatives including the Enhancing Equity Task Force. Other experience includes working at both the federal and provincial level for multiple cabinet ministers. She recently completed her Master of Arts in International and Intercultural Communications at Royal Roads University. About Off the Hill  Since 2019, Off the Hill has been rabble.ca's live political panel. Through this series, we break down important national and international news stories through a progressive lens.  This webinar series invites a rotating roster of guest activists, politicians, researchers and more to discuss how to mobilize and bring about progressive change in national politics — on and off Parliament Hill. Co-hosted by Robin Browne and Libby Davies. If you like the show please consider subscribing on Apple Podcasts, Spotify, YouTube or wherever you find your podcasts. And please, rate, review, share rabble radio with your friends — it takes two seconds to support independent media like rabble. Follow us on social media across channels @rabbleca. 

For the latest and most important news of the day | https://www.thecanadianpressnews.ca To watch daily news videos, follow us on YouTube | https://www.youtube.com/@CdnPress The Canadian Press on X (formerly Twitter) | https://twitter.com/CdnPressNews The Canadian Press on LinkedIn | https://linkedin.com/showcase/98791543

When former finance minister Chrystia Freeland resigned due to her opposition to Prime Minister Justin Trudeau's fiscal policy, it sent shockwaves through Parliament Hill. Now she wants her boss's job. But who was Chrystia Freeland before her meteoric rise in Canadian politics? Host Steve Paikin talks to journalist Catherine Tsalikis about her new biography: "Chrystia: From Peace Valley to Parliament Hill." See omnystudio.com/listener for privacy information.

The Liberal leadership race is heating up, and former deputy prime minister and finance minister Chrystia Freeland has now thrown her hat in the ring. Freeland is a powerful figure in Canadian politics, a former journalist who went on to become one of the Prime Minister's most loyal cabinet members — until her surprise resignation in December. Today on the program, as Freeland campaigns to win the Liberal leadership, and thus the top job in the country, we take a closer look at her life and its controversies with the author of a recent biography.Catherine Tsalikis is a Toronto journalist who covers foreign policy, politics, and gender. She's the author of Chrystia: From Peace River to Parliament Hill.You can find Tara Henley on Twitter at @TaraRHenley, and on Substack at tarahenley.substack.com

Keith answers listener questions about getting started in real estate investing with limited funds and how to determine the true appreciation of a property against inflation. He also discusses: The impact of the LA wildfires on housing needs and some landlords raising rents excessively. Economic and housing challenges facing Canada, including high inflation and unaffordable home prices. And highlights the views of likely future Canadian Prime Minister Pierre Poilievre on addressing these issues. GRE Free Investment Coaching:GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/538 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, I answer three of your listener questions, then learn why LA area landlords got a bad name during this month's awful Southern California wildfires. Finally, why Canadians cannot buy houses anymore, and what lessons you can learn from Canada's real estate mistakes and the abject lunacy there today on get rich education.   Unknown Speaker  0:30   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being the flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Unknown Speaker  1:16   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:32   Welcome to GRE from Gatlinburg, Tennessee to Pittsburgh, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you are inside this week's installment of the program known as get rich education, I'm grateful that you're here, but you're not here for me. You are here for you. So let's talk about you and some of the listener questions that you wrote into the show about and as usual, whenever I have a batch of listener questions, I answer the beginner level questions first and then move on to more advanced questions. The first one comes from Jeanette in Seaford, Delaware. Jeanette asks, I only have a little money to invest in real estate. How do I get started with just a small amount of money. All right, Jeanette, well, first I would talk to a lender. You have to talk to a mortgage specialist or a loan officer to find out what you qualify for. You're basically getting them to punch holes into your financial picture. And then that way, Jeanette, you will know what holes to go, mend, so your loan officer is essentially giving you a free troubleshooting session. Now, our investment coaches here at GRE help you with some of that, but GRE doesn't originate loans, so you want to get with someone like a ridge lending group for help. And now, what are some of the holes that a mortgage lender might poke into your finances? Jeanette, well, getting your credit score up and they'll help you with that strategy. Or you simply need more dollars in savings, in what your mortgage loan underwriter calls reserves, or you might need to establish a two year job history, or you have to say, Pay off your car loan in order to get your debt to income ratio lower, or whatever it is. And since at GRE marketplace, the least expensive income property is probably about $120,000right now, a number that keeps going up with inflation. But what you would need is 23 to 25% of that between your down payment and closing costs, all right? Jeanette, so then about 28 to 30k that is the minimum lump of cash that you'll need to buy a property that is already fixed up and ready for a tenant, and that is a great way to start in real estate investing if you want to maintain your standard of living, okay, that is therefore the lowest entry point that you can do that. But if you're temporarily willing to let your quality of life slide for a couple years and maybe live communally. You can put as little as 3% down on a primary residence and then rent out the other rooms. Okay, that's the house hacking model, but depending on your setup, you know, maybe you're sharing a kitchen with roommates or suitemates, and therefore that temporary loss in quality of life. Maybe you can even Airbnb at a short term rental, in which case you will be buying the furniture. However, now with a 3% down payment on an owner occupied house, hack like that, you're probably going to have to pay a PMI premium, a private mortgage insurance premium of a few $100 per month. But still, this does get you in with very little money, since that's what you're asking about Jeanette. And finally, the third thing I'll bring up here is that you can get a combination of maintaining your standard of living and putting a small down payment on a property by using an FHA loan and three and a half percent down. And you can do that with a single family home, duplex, triplex or four Plex, living in one unit and renting out the others. So yes, you get both this way, but I will not go into the details on the FHA, because I have described that in detail on other episodes since it's how I started out myself. But there are a number of options right there for you to inquire about Jeanette, all starting with an investment centric mortgage lender like Ridgelendinggroup.com.     The next question comes from Jared in Pocatello, Idaho. Jared asks Keith, in the past year, my duplex in Pocatello went up in value 5% from 400k to 420k. How do I know how much of that 5% is true appreciation, and what portion of the 5% is from inflation? Oh, that is such a devastatingly cool question Jared, and that's exactly what I thought when I saw that question come in. Okay, so basically, Jared is asking, say, in this 5% price increase is 3% from inflation and 2% from appreciation, for example, or like, what is the breakout of those two components of the price change? And a lot of people don't understand the difference, and even know enough to ask a question this good. So props to you there. Jared. One thing you cannot do is just look at CPI inflation over the last year for the US, which is 2.9% and then say, Oh, well, then I guess the other 2.1% must be appreciation. Therefore, no, you can't really do that. There's more to it than that, for a lot of reasons. I mean consumer price inflation, like on a pound of ground beef at the supermarket, that is different from asset price inflation, and there are a lot of other reasons too. Appreciation is distinctly different from inflation, because the value of your property increasing 5% that has to do with the attractiveness of your property to the marketplace. Now there are attributes with appreciation, like proximity to high paying jobs, proximity to highways and shopping in desirable schools, which are basically those axiomatic Location, location, location qualities. Now I'm going to assume that you did not make an improvement or a renovation to the property Jared, because obviously that would hike up the value. Now other appreciation attributes that are distinctly different from inflation are things like population growth and wage growth in your area, what can really pump up appreciation is if the remaining availability of developable land starts shrinking and shriveling up in a desirable location. Contrary to popular belief, mortgage rates have little to do with appreciation. We can leave that out of this discussion. Now, how this is different from inflation is that inflation is not about the intrinsic value. Rather, inflation is the price of the home increasing because the currency is worth less. Now I hope that you find that explanation satisfying Jared, but what is dissatisfying is that it's actually hard to pin down a number and say, was this two and a half percent appreciation and two and a half percent inflation, or any other combination? And that's because inflation itself is practically impossible to accurately measure, and a lot of that has to do with an inflationary basket of goods that is just exceedingly difficult to adjust for attributes like quality and utility and substitution So Jerry did is likely that your duplexes 5% value increase is an amalgamation of both appreciation and inflation, that part I can confirm, but the exact breakdown for each is virtually incalculable, super insightful question there Jared.     The third and final of our three listener questions to get the show started today, and then I'll get into landlords in the LA wildfires and Canada versus us real estate. The final question today is from Jeter in Roseville, California. I know where Roseville is. It's just northeast of Sacramento, and I'm not sure if Jeter j, e t, e r is your first name or your last name, like former Yankees shortstop Derek Jeter, but only one name came in here. Jeter asks, Keith, I am a true believer in GRE principles. I'm looking to pounce on some property this year and get leverage and other people's money working for me, instead of only getting my money to work for me in my company's 401 k. Let me just interject here. You really get it. You really get it. Jeter, um, continuing on with your question, with mortgage rates around 7% I'd love to know where you think interest rates are headed next, and what is going to make rates move. Thanks, Jeter. Well, I've got to tell you, Jeter, not only do I avoid predicting future interest rates, but I don't know of anyone in the world that can predict interest rates with high reliability, especially over the medium to long term. James Grant, He's based in New York City. He puts out a publication called Grant's Interest Rate Observer that might just give you a better than 5050, shot of where they're headed next. He's a well regarded source. In fact, I saw James Grant speak in person a couple months ago, but I wouldn't put too much credence in any interest rate predictor out there. Now, just 11 days ago, I sent our newsletter subscribers a graphic of just how bad. I mean, really awful that recent interest rate predictions have been. I've never seen a chart like this. This chart looked like a centipede. Okay, the Bold Line was the actual federal funds rate that was like the centipedes body and all the hundreds of legs coming off this line were predictions that others had made, all deviating from the true line, the centipede body, which is what the rate really was. I mean, prominent experts rate predictions have a track record that's more abysmal than everyone saying we'd surely have a man on Mars, by now, terrible. Jeter. When you look at interest rate predictions, you're looking at a waste of your time. They're about as reliable as a weather app in a tornado a year ago, the collective brain trusts of all the economic wizards believed with devotion and alacrity that mortgage rates would be sub six now, instead, they are still about seven, which might correspond to a three or three and a half percent federal funds rate. They all thought the federal funds rate would be near three by now, but it's more like four and a half today. And what's hilarious is that, in more recent years, the Fed even tells us what they plan to do next. They even tell us it's little like having the answers to the test, and yet you still fail the test. You've got the cheat sheet and you still aren't doing any better? How can this possibly be? Well, the reason that I don't make interest rate predictions is because it is a surefire way to look foolish. Jeter, to answer the second part of your question, what moves interest rates around? The answer is, well, it's really broad economic forces and political forces, that is why it's tough, and this includes jobs reports, supply and demand of credit, inflation, a pandemic, a surprise new war in the Middle East, tariffs, GDP reports, surprise election outcomes, a massive change in tax policy and more. I mean, it is total entropy. Now, one thing we know is that persistently higher inflation will soon result in higher rates, just like we saw in 2022 I mean, rates rise in a bullish, robust and optimistic economy. And another thing that we do know is that sustained fear causes rates to fall. That's why, when you look at a chart, you see interest rates of all kinds plunge like a cliff diver during the 2001 dot com recession, the 2008 GFC and the 2020 COVID pandemic. The reason that rates fall during fearful times just like those, is because the economy needs the help and a little pro tip for you here, Jeter, when a recession begins, it's more likely than not that rates will fall. But see, it can be hard to predict a recession, as we've all found out recently, we just came off three fed interest rate cuts late last year, and that was a little weird, because the economy does not need the help that is sort of like offering Gatorade to someone that's not even sweating. Okay, and when rates scrape the ocean bottom floor at zero, from 2009 to 2016 and then again from 2020, to 2022,that's unhealthy. Natural market forces would mean that there's a cost to receive a service like borrowing money. Well, with zero rates, it feels like no one wants to save and everyone wants to borrow and spend. Zero rates, it is time to all out. Ball out. My two time GRE podcast guest here on the show, and super smart guy, Dr Chris Martinson, he thinks that rates are generally going to go higher from here. But you don't have to look far. You can find other wise guys that say they're going lower. At the last Fed meeting last year, they disappointed markets by signaling plans to only cut rates twice this year, instead of the four cuts that were previously expected. And now that's even changed since then, a lot of people question if those two cuts are even going to happen this year, given things like a hot jobs report that came flying in and still too high inflation. So this is kind of like expecting a decadent dessert of rate cuts, and instead you get, like, one Biscoff cookie, like they give you an economy on the plane. So Jeter, that's why I don't forecast rates. I don't think anyone can, but now, at least you have a couple resources, and you also know what factors move rates around.    Now if you want a fun, real time pulse on the market. Check out poly market. You might have heard of it by now. It's a site where you can place bets on various outcomes, a lot of non sports bets. You can see people put their money where their mouth is. You don't have to make a wager yourself. You can just see what people are wagering on. There are wagers on fed interest rate decisions. There at Poly market, you can even place a bet on if Jerome Powell says Good afternoon at his next press conference over there on Poly market, I'm not kidding right now, the odds of him saying Good afternoon at his next press conference are 96% so remember this, the market has always felt confident about where rates are headed, and the market has always been wrong. Interest rates don't drive property values. Their intrinsic worth is based on the timeless stuff, location, amenities, income, occupancy, size, density, business case, exit options and operating costs. Those are the things that drive property values. The bottom line with interest rates is that nobody knows the future interest rates direction is a pinball game of black swans and policy pivots. So instead, focus on the big things that you can control, like how many dollars you have, leveraging properties and keeping your operations on those properties efficient. So Jeter waiting to buy property generally harms an investor more than it helps them, because it's dollars on the sidelines that are paying the opportunity cost of not leveraging other people's money. Of course, if you buy your property at whatever interest rate today, and rates soon fall like a knife, well, then you can refinance at the lower rate, all while leverage keeps compounding and building your wealth. Thanks for the question,  Jeter.    If you have a listener question or comment or feedback of any type for us, as always, you can visit us at get rich education.com/contactfor either written or voice communication there, like I said earlier, that amazingly interesting centipede like chart of just how dreadful interest rate predictions have really been that was in our recent newsletter. Now it's too late for you to get that issue, but to get more like them, you can get our don't Quit your Daydream. Newsletter, completely free, just text GRE to 66866 that's text GRE to 66866.   now, when it comes to this month's historically bad, devastating LA area wildfires, I heard from a friend in that area last week. She lives just south of LA and her house was spared, fortunately, but she's been busy helping friends in the LA area who have lost their homes and businesses. It is truly tragic. And you know, what she told me, is the biggest, most compelling need right now, and I put some credence in this, since it's an independent on the ground report. This is outside of major media, displaced residents. Number one need is not food, it's not water, it's not clothing, it's not heat, it's not even community with 1000s of families without homes, the urgent need is for housing. You might not find that surprising. That's what she shared with me. I mean, it is a need so dire that even a family of six would consider a small mobile home or an RV rental to help with temporary housing. And a lot of these displaced families were you know, you got to consider the fact that before the fire, they were living in above average homes, even luxury homes. Now, as far as LA area, landlords that have housing to rent out, a lot of those landlords have jacked up the rent price. California's anti price gouging. Laws make it illegal for landlords to raise rent by more than 10% in the first month to six months after a disaster is declared. Now the BBC reported that one resident who lost their home in the historic California wildfires found a rental property that was previously priced at $13,000 per month, they offered $20,000 per month, and the landlord countered with 23k that is a 75% price hike. And it's not the only example. A Bel Air home located in an evacuation warning zone was listed on Zillow recently at 29,500bucks a month. That is an 86% hike from its September of last year price. That's according to the outlet called La est, another realtor raised in Encino, California, listing from 9k per month at the beginning of this month to 11 and a half K after the fires started. That's according to the LA Times. The realtor then backpedaled to abide by the 10% rule, which she said that she did not know about. And for a little context there, yes, those rent prices sound high, and La rent was already high. It averaged $2,820 a month. That's compared to $1,983a month nationally. Those figures are per Zillow. Now I don't know what percentage of La landlords are engaging in. I guess what I'll call extortionate behavior, but even if it's the vast minority of landlords you know that gives them a bad name, to have the word landlord in headlines like this. And is this behavior extortionate? In some cases, it probably is, I suspect, just a guess here that some landlords might think they have a chance of insurance paying some or all of the higher rent for their tenant that was displaced from their original home. But let's keep things in perspective here. What this does to good landlords reputations. You know, that's not the story here. The story and the effort should be in helping the displaced people. And of course, there are so many angles to the devastating la wildfires. One of them is that many believe zoning laws pushed homes out into fire prone areas. I recently shared that reason.com article with you in our free newsletter. So again, to get our Don't quit your Daydream newsletter, completely free, which I write every word of myself. Text GRE to 6866 you can do it now, while it's on your mind, hit pause and text GRE to 66866 the abject lunacy in Canada's real estate market, in what US residents and others can learn from all this, that's next. I'm Keith Weinhold. You're listening to get rich education.   Hey, you. Can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start now while it's on your mind at Ridge lendinggroup.com That's ridgelendinggroup.com.   Oh geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I know, because I'm an investor in this myself, earn 10% like me and GRE listeners are text family to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866   Naresh Vissa  26:41   this is GRE real estate investment coach. Naresh Vissa don't live below your means, grow your needs. Listen to get rich education with Keith Weinhold.   Keith Weinhold  26:57   Welcome back to get rich Education. I'm your host. Keith Weinhold, let's discuss the Canadian economy and Canadian real estate. Because even if you live in the US or Central America or Europe or one of the other 187 nations that were heard in outside the US, you know there are lessons here for you, and there are lessons here for me as well. There is some just jaw dropping material that I'm about to share with you, and I won't discuss the politics of it, because that's not GRE 's lane. Instead, it is the policy. Earlier this month, Canada's equivalent of the President, Prime Minister Justin Trudeau announced that he will be resigning soon. And Trudeau has been under a lot of criticism. At last check, his approval rating was a miserable 22% now, most people think that the next and future Prime Minister of Canada will be a man named Pierre Poilievre. In fact, the wagering site poly market has polyev with an over 80% chance of being Canada's next prime minister, and you will hear him speak shortly here. And yes, that is how an Anglophone pronounces his last name, polyev In a recent interview with Dr Jordan Peterson. You'll listen into here shortly. Polyev, Canada's likely next leader here, first, he describes some of the problems with Canada's economy, and then he'll get into their real estate market. Right now, the median home price in the United States is about 450k you might think that Canada's should be lower, because Canada has more land in the US and Canada has just about 1/9 of the US population. So a low population density. I mean, the US is population density is more than 10 times Canada's. But no, due to some of these policies, it's just the opposite, because Canada's average home is over 725k. yeah, that's just for a basic home. I've got to admit, I did not know who polyev was until just a couple months ago. I'm starting to like him the more that I listen to him. He's a clear thinker and a clear speaker. Here is a clip of Canada's likely next leader talking about Canada's problems. This is 10 and a half minutes long. I'm going to listen to this again with you right now, and then I will come back along with you to comment. This is why you can't buy a house in Trudeau, Canada.    Unknown Speaker  29:41   Our productivity is another major problem right now, and that's productivity. Sounds complicated. It's actually extremely simple. You just take the GDP and you divide it by the hours worked in the country. So American GDP is $80 so for every hour an American worker works, on average. He or she produces $80 of GDP in Canada, it 50. So that's every hour. So that means we have to work 60% more just to make the same amount and have the same level of income to buy food and housing. And so that's the Now that sounds like a bunch of wonk speak that should might seem like it only matters to someone staring at a spreadsheet or a graph or a chart, but in fact, that's reflected in the fact that our 2 million people are lined up at food banks because they can't afford food, and 80% of youth can't afford homes, and our quality of life is and the things we can afford to provide our kids have fallen back so much there's a real, real life, Stark and easily comprehensible statistic. And if you work and you produce $80 worth of goods and services in an hour, yeah, compared to working and producing 50, obviously, that's a substantial shortfall. Yeah. So, and is that, is there a starker indicator of the economic disparity between the US and Canada than that? Or do you think that's the primary statistic? I mean, I think housing costs are another one. I mean, right. There was a study out just 10 days ago that has Toronto and Vancouver now by far the most unaffordable housing markets in North America. And so you know, housing costs are 50% higher in Toronto than they are in Chicago, even though Chicago workers make 50% more money. The same is true between Vancouver and Seattle. Seattle workers make way more than Vancouver workers, but housing is 60 or 70% more expensive in Vancouver. So on, all the measures by a lot. Yes, a lot by a lot. Yeah, and we're and we're paying more, more by a lot, right? And most of that's transpired the last 10 years. Yes, and we're paying the difference by accumulating enormous quantities of debt. Our households are by far the most indebted in the g7. when you take you divide total household debt by GDP, we now have a bigger stock of household debt than our entire economy. We are more indebted as households than the Americans were right before the oh eight financial crisis. And so what we have as a model in Canada is we have artificial scarcity imposed by very heavy and restrictive state, confiscatory state, so that suppresses production. But in order to allow for consumption, we print money and borrow money and then flood the economy with that money. Okay, so that's another problem. So that's the inflationary problem. Yes. Now the problem with inflation just many problems with inflation, but one of them is that it particularly punishes people who are thrifty and who save? Yes, right, right? So inflation punishes the people who forego gratification to invest in the future. That's right, right? So that's a very bad idea. It's our inflation is the single most immoral tax for so many reasons. One, it takes from savers and people who are trying to be responsible, thus making it impossible to be responsible, because you will, if you, if you refuse to play the inflation game of borrowing money to buy things you can't afford, someone else inevitably will, and you won't be able to afford anything. So you ultimately have to actor responsibly. It's like Milton Friedman was asked, What would you do with your money in times of inflation? He said, spend it right like the first thing you want to do when inflation is out of control is to make sure you get rid of this thing that's losing its value. The second reason it's immoral is it takes from the poor, because the poorest people cannot put they do not have the ability to buy inflation proof assets like gold and real estate and fancy watches and art collections and wine fancy wines and things that go up with or even exceed inflation. So it's a very big wealth transfer from the have to the from the from the poor and the working class to the very, very wealthy, a very small group of people actually get richer. So the socialist policies that provide goods and services to Canadians, let's say, or denizens of other countries by printing money, actually punish the poor brutally. Oh, absolutely, and consequence of the inflation that they generate. Yes, I mean all the socialist policies in practice take redistribute from the working class to the super wealthy in practice, and I can prove that again and again and again in practice, yeah, in practice. In practice they with the all the redistribution that happens in the so called socialist countries ultimately goes from the working class to the super wealthy. That is the reality. Okay, so, but just one last thing on inflation. The final reason why it's so immoral is nobody votes on it. The basic principle of our parliamentary system is the government can't tax what parliament has not voted the people must no taxation without representation, right? But no one ever votes to have the money printing happen. And so the inflation is adopted secretly, and you blame the grocer because groceries are more expensive, or your local gas station because gas is more or your realtor because house, in fact, it was actually the government that bid up all of those things with money printing, and you didn't even know about it. So it is silent. It's a silent thief that takes from the poor and gives to the richest people and destroys the working class. And that's why I am I want to crush inflation. We need a policy that seeks to just to stop inflation at all, at all costs. Okay, so what would you do to to stop inflation? Well, we stopped the money printing. You know, we need a we need. And the money printing is just a means to fund deficit spending. Governments borrow to define the deficit, yeah, for people. So basically, the deficit is the difference between what the government spends and what it brings in. It's usually calculated on a yearly basis, that's right, yeah, and the debt, but the debt is just the accumulation of the deficits, right? So the deficit right now is $62 billion and I thought it had a ceiling of 41 billion. Yeah, right. Isn't that a ceiling? Yes, not a I guess not. And look, there are very real present day consequences for that. Deficits increase the money supply. Central banks effectively facilitate that increase in the money supply, and that causes inflation. And, you know, it's, it's why our, you know, I have a buddy who's whose family moved here from Italy back in 1973 His father worked paving roads and his mother made sandwiches in a senior's home, they were able to pay off their home 10 minutes from Parliament Hill in seven years. Right, their grandchildren wouldn't be able to save up a down payment for that home in 15 years, and they will be university educated with all the advantages of having been here two decades. That is the consequence of the money supply growing vastly quicker than the stuff that money buys. So we have to do is stop growing the money supply and start growing the stuff money buys. Right? Produce more energy, grow more food, build more homes. We have to unleash the free enterprise system to produce more stuff of value, and this is where we have to remove the artificial scarcity that the government is imposing on the population. Let's incentivize our municipalities to grant the fastest building permits in the world to build homes. You have a plan for that in principle, yes, I mean, I'm going to say to the municipal governments, they either, they either speed up permits, cut Development Charges and free up land, or they will lose their federal infrastructure money, so they will have a powerful carrot and stick incentive to speed up home building and the percentage of a new house price. That's a consequence of government, taxation and regulation. Well, in Vancouver, it's 60% 66 does that include the land and the house? Yes, that includes everything. So I'll tell you how they calculate it, CD, how took the cost of building a compare the cost of building a home to the cost of buying a home, yeah. And he said, what's the gap between those two things? So they added up land, labor, profit for the developer, materials, and they compared that to the sale price, and they found the gap was $1.2 million so that's $1.2 million of extra cost, above and beyond the materials, the labor, the land and the profit for the developer. So where's that going? Well? The answer is, development charges,sales taxes, land transfer taxes, the delays in getting the permit. Time is money, the consultants, lawyers, accountants, lobbyists that the developer has to hire in order to get the approval that so in other words, we're spending twice in Vancouver. We spend twice as much on bureaucrats than we do on all other things combined. To build a home, more money goes to bureaucrats than goes to the carpenters, electricians and plumbers who build the place. And to add insult to injury, those trades people who build homes can't afford to live in them, right? I mean, it is. So what we need to do is slash the bureaucracy. And I'm going to I'm going to say to the mayors, you're not getting federal infrastructure money until you slash your development charges, speed up your permits. I'm going to take. The Federal GST off new homes under a certain limit, and encourage the provinces to do the same. But we've got so much land. We should have the most affordable housing in the world. We have. It should be dirt cheap because we have the most dirt we just need to get the government out of the way.    Keith Weinhold  40:20   Yeah, again, that was Dr Jordan Peterson interviewing Canada's likely next leader, Pierre poilievre, just a few weeks ago now. Polyev, when discussing inflation and investing, you know, he also brought up points that I've surfaced here on the show over the past few years. He even articulates a few things the way I've described them. It's almost weird, like inflation means that it actually makes sense to strategically borrow and spend and not to save. It's almost like polyev is a GRE listener. I love how he said, stop growing the money supply and start growing the things that money buys. We're talking about things like homes and energy and food. That was eloquent. I mean, in Vancouver, the percentage of a new house cost for taxation and regulation is 60% of the cost of the home, fully 60 and then, if that's not surprising enough, due to all these layers of regulation, the cost of building a new home is $1.2 million more than the cost of buying an existing home. Just astounding. This might have even left you either flabbergasted or gobsmacked, which one?So some parallels to the US there in Canada, but back here in the US, the housing market is clearly more affordable and healthier. Polyev really pointed out a direction that the US does not want to fall into. In fact, we've got a pretty good Canadian listening contingent. So let me ask, Do you have a connection to Pierre poilievre, if you do, we would probably like to invite him here on to the show with us. If you do, or you even know someone that knows someone, let us know right into get rich education.com/contact or email us directly at info@get rich education.com and we'll make that happen now. What is happening at GRE marketplace right now is that our listeners are getting brand new build investment property in Florida and some other places at competitive prices and a fixed interest rate of just four and three quarters percent. So yes, that is sub Canadian prices, by far below Canadian prices, and a four and three quarter percent rate. And then on top of that, you get to pay an affordable insurance premium in Florida because it's new build, or similarly, it's that way in other states if you buy new build, but builders overbuilt in some pockets of Florida, like I've mentioned to you before. So at this time, on top of all that, they're offering a free full year of property management. And because when you own a new build property, it's not occupied with tenants on day one, and this means that you don't inherit unknown tenants. And builders are also offering you up to three months in a rent guarantee in case your single family home or duplex or four Plex is not occupied yet, the builder would pay the rent for you. Really amazing incentives, but probably none better than that four and three quarter percent mortgage rate. I mean, it's like you get to roll the clock back to when rates were artificially low, back in 2021, and 2022, and lock it in. Now, our GRE investment coaches connect you with the investment property that's right for you based on your needs and your goals, including those four and three quarter percent rates, if you so choose, it is all free at GRE marketplace. From GRE marketplace.com just click on the coaching area and you can book a time right there until next week. I'm your host. Keith Weinhold, don't quit your Daydream.    Unknown Speaker  44:23   nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Unknown Speaker  44:51   The preceding program was brought to you by your home for wealth building get rich education.com you.  

Thursday is the last day candidates can join the race to replace Justin Trudeau. We hear your thoughts on who the front runner should be and hear from Aaron Wherry, senior writer with CBC's Parliament Hill bureau.

***CLARIFICATION: Louise Wakerakas:te Herne is the only condoled Bear Clan mother for the Mohawks/Kanyen'kehà:ka. **** AUNTIE: Wa'tkwanonhweráton Sewakwékon! We're starting strong in this Ohserá:se – this New Year – on The Aunties Dandelion podcast as we visit with Iehstoseranón:nha, who is Kanyen'kehà:ka and Bear Clan. Iestohseranon:nha is a feather protector, community connector, and graphic artist. She is also a survivor of the Sixties Scoop – a term that refers to Canada's mass removal of Onkwehón:we children into the welfare system and non-Indigenous families without consent of their own families or communities. That removal began in the 1960s and continues to this day. Iehstoseranón:nha was 18 in 1989 when she found her biological family and spent these past decades reconnecting with her Mohawk territory at Akwesasne. She recognizes the unique emotional and spiritual perspective this epic journey brings. IESTOHSERANON:NHA: Adoptees like me – Indigenous, Native, Onkwehón:we that are just coming home – we have spent our lives on the colonial side, with a Native heart and a Native spirit. And so we see in each other and we see our colleagues: we are the bridges, right? Because we can sit in both worlds and we can connect that in a different way than anyone else. AUNTIE: Iehstoseranón:nha centers Indigenous women creatives as the owner, writer, and artist at Pass the Feather Indigenous, and founder of Indigenous Arts Collective of Canada – a registered charity. She was the first facilitator of the National Day of Truth Reconciliation on Ottawa's Parliament Hill and founder of the National Indigenous Women Arts Conference. She takes the gifting of feathers seriously and I was grateful to receive a beautiful feather fan from her as we began our visit. IESTOHSERANON:NHA: To be really, really truthful – it is friendship making, it's relationship making. And I don't give them to many people but when I do it's because someone has touched me in a way and given me time in a way that I never expected them to. And so my first response is to share that medicine with them because that is important medicine that I think that people forget about. It's that flight and that connection to Sky World. AUNTIE: I feel a particular connection with Iehstoseranón:nha – whose name means “she keeps the feathers” because my name – Kahstoserakwathe – means Bright Feather – can you hear the similar Mohawk root word for feather - oshstòseri - in our names? It's all about the feathers. We are Yetinistenha ne Tekaronkyakánere – the Aunties Dandelion and we're sending a big wa'tkwanonhweráton to the Indigenous Screen Office – teyonkhiwihstekénha – who are providing us financial support for the third year in a row. And can you do us a big favor by liking and sharing our episodes – and subscribe to our feed on your favorite platform. It goes a long way to help us bring stories of Indigenous changemakers your way. Hosted on Acast. See acast.com/privacy for more information.

Donald Trump is headed back to the White House on Monday, meaning his tariff threats could become a reality and wreak havoc on the Canadian economy. So what's Canada's opening move if Trump charges forward? Host Catherine Cullen checks in with premiers at their important meeting in Ottawa this week to strategize a response, but not everyone is on the same page. Canada's ambassador to the U.S. joins the show to discuss the federal government's plan, and an economics professor explains which provinces are the most at risk.Next, an author and staff writer for The Atlantic explains why, of all the policies Trump has flirted with over the years, the incoming president is so wedded to the idea of tariffs and how Canada should prepare itself for a possible trade war.Finally, as more candidates step up or step back from the Liberal leadership race, two Parliament Hill watchers break down the contest so far and the questions the candidates will need to address.This episode features the voices of:Ranj Pillai, Premier of YukonScott Moe, Premier of SaskatchewanWab Kinew, Premier of ManitobaKirsten Hillman, Canada's ambassador to the United States.Trevor Tombe, economics professor at the University of CalgaryDavid Frum, staff writer with The AtlanticTonda MacCharles, Ottawa bureau chief for the Toronto StarChristopher Nardi, parliamentary reporter for the National Post

This week on rabble radio, we're sharing a clip from our first Off the Hill political panel of 2025.  In this panel, our guests – including NDP MP Niki Ashton, senior researcher at the CCPA National Office Stuart Trew, economist Jim Stanford, activist and writer Judy Haiven and rabble's parliamentary reporter Karl Nerenberg – talked about Prime Minister Justin Trudeau's resignation announcement, his accomplishments and failings during his time as leader, parliament's current prorogation and what's next for Canada.  Review the entire panel here.  About our guests Niki Ashton is NDP Member of Parliament for Churchill—Keewatinook Aski in Manitoba. Stuart Trew is a senior researcher at the CCPA National Office and the past editor of the CCPA Monitor. He is director of the CCPA's Trade and Investment Research Project. Jim Stanford is an economist and the director of the Centre for Future Work, a labour economics research institute with operations in Canada and Australia. Karl Nerenberg is an award-winning journalist, broadcaster and filmmaker, working in both English and French languages. He is rabble's senior parliamentary reporter. Judy Haiven is a former professor of Saint Mary's University in Halifax, Nova Scotia.  She retired to become a volunteer human rights activist and writer. She is a founder of Equity Watch, a nonprofit organization that fights bullying, discrimination and harassment in the workplace. A founding member of Independent Jewish Voices Canada, Judy supports the struggle to end Israel's genocide against Palestinians. Her social justice newsletter, Another Ruined Dinner Party, is available for free on Substack.  About Off the Hill  Since 2019, Off the Hill has been rabble.ca's live political panel. Through this series, we break down important national and international news stories through a progressive lens.  This webinar series invites a rotating roster of guest activists, politicians, researchers and more to discuss how to mobilize and bring about progressive change in national politics — on and off Parliament Hill. Co-hosted by Robin Browne and Libby Davies. If you like the show please consider subscribing on Apple Podcasts, Spotify, YouTube or wherever you find your podcasts. And please, rate, review, share rabble radio with your friends — it takes two seconds to support independent media like rabble. Follow us on social media across channels @rabbleca. 

Canada first and Canada united - the message after a First Ministers' meeting in Ottawa with the country's premiers - with one exception. With Doug Ford sporting a new hat that said "Canada is not for sale" and Alberta's Danielle Smith the outlier in the group, there's a lot to break down.  To do that, NewsRadio's Queen's Park reporter Richard Southern speaks to Parliament Hill reporter Cormac Mac Sweeney about the meeting, the wrap up news conference, what happened behind the scenes and what's next.   We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter

Kevin Bourne challenges the popular “move in silence” mindset. Instead, he reveals how inviting people into your process and pivot can spark connection, education, and opportunity. At his core, Kevin identifies as a storyteller—a thread that runs through every chapter of his life. From crafting speeches on Parliament Hill to documenting Ottawa hip hop culture through articles, documentaries, and art exhibits, Kevin shares: “I'm just a storyteller who loves exploring different mediums for storytelling.” Naomi Haile adds, “That's when branding is done well—it teaches people to associate opportunities with the work you do.” Together, they unpack the value of showing your evolution in real time and remind us that there's power in being seen—even when you're still figuring things out.

Host Alex Pierson is joined by the one and only Tom Korski, the managing editor of Blacklock's Reporter to talk about the news of Parliament Hill that might slip past your radar...like what happening with the liberal leadership race and why is the Capital Gains tax still being deducted from your taxes even though it hasn't passed through parliament? Learn more about your ad choices. Visit megaphone.fm/adchoices

It ended with a shocking cabinet resignation — but 2024 was packed with plenty more political ups and downs. How many headlines do you remember? Listen along and test your smarts as host Catherine Cullen quizzes three keen Parliament Hill watchers who battle it out in The House's annual showdown, featuring Brian Platt of Bloomberg News, Nojoud Al Mallees of The Canadian Press, J.P. Tasker from CBC's Parliamentary Bureau — and a very special American media guest.

On today's show: there are reports that even more Liberal MPs now want Justin Trudeau to step down. We have the latest from Parliament Hill; we don't blink an eye at stores opening their doors on Sundays these days. But there used to be a law against it, until a small Calgary drug mart fought the law, and won. We look back at 40 years since "Big M."

Two organizers from this growing coalition unpack their recent action on Parliament Hill, and the identity crisis being purposely crafted by the Israeli lobby to thwart the work being done to liberate Palestine.Serena Sairan and Lauren Moses-Brettler, both from Jews Say No to Genocide, join Host Jessa McLean, for a discussion about individual responsibility, group decision making in a fluid political environment and finding new ways to keep the pressure on Canadian politicians to realize an #ArmsEmbargoNowCALL TO ACTION: Sign the Petition to End the Arms Embargo NowAll of our content is free - made possible by the generous sponsorships of our Patrons. If you would like to support us: PatreonFollow us on InstagramResources: Democracy Now - Live Report from Action on Parliament Hill - JSNTGMore Links From: Jews Say No to GenocideJews Say No to Genocide on Instagram

It has been an interesting (and eventful) week on Parliament Hill to say the least. Just hours before Chrystia Freeland was to release a Fall Economic Statement that was expected to crash through the $40 billion economic guardrail, the Deputy Prime Minister and Finance Minister announced she had lost confidence in the Prime Minister. Now, […]

Greg Marchildon speaks with Stephen Maher about The Prince. The Prince is a comprehensive biography of Justin Trudeau's time as prime minister, written by Stephen Maher. Based on over 200 interviews, it details how Trudeau transformed the Liberal Party from third place to a majority government in 2015. The book examines his political skills, achievements like poverty reduction, climate progress, and Indigenous reconciliation, as well as his struggles, including errors in judgment and internal conflicts. Maher explores how Trudeau's leadership, once promising, faltered due to missteps and strained relationships, leading to a decline in popularity and the potential collapse of his government. Stephen Maher has been writing about Canadian politics since 1989. As a columnist and investigative reporter for Postmedia News, iPolitics, and Maclean's, he has often set the agenda on Parliament Hill, covering political corruption, electoral wrongdoing, misinformation, and human rights abuses. He has also won many awards, including the Nieman Fellowship at Harvard University, the Michener Award for meritorious public service journalism, the National Newspaper Award, two Canadian Association of Journalism Awards, a Canadian Hillman Prize, and has been nominated for several National Magazine Awards. Image Credit: Simon & Schuster If you like our work, please consider supporting it: bit.ly/support_WTY. Your support contributes to the Champlain Society's mission of opening new windows to directly explore and experience Canada's past.

Liberal MP Wayne Long says some cabinet ministers who are publicly supporting Justin Trudeau's leadership are privately telling him they want him gone. Liberal MP Ken Hardie says that after Trudeau takes time to reflect, "I honestly think he will resign." Plus, CBC's chief political correspondent Rosemary Barton and Radio-Canada's Ottawa bureau chief Louie Blouin bring us the latest from their sources on Parliament Hill. 

With all eyes glued to the drama on Parliament Hill this week, you may have missed that the feds announced new plans for border security, money laundering, and Chinese tariffs.  In Toronto this year, nearly 15% of all shooting incidents were related to the tow truck industry. 

On Monday morning, Chrystia Freeland announced she was stepping down as finance minister. This came after reports of increasing tensions between her and Prime Minister Justin Trudeau over the GST break and $250 cheques. She posted her letter on X just after 9 a.m., on the day when she was supposed to deliver the fall economic statement.Later, after a day of speculation and confusion, the Liberals tabled the fall economic update, and MP Dominic LeBlanc was sworn in as finance minister to replace Freeland. The day ended with a Liberal caucus meeting, where Trudeau's leadership was put into question.Globe and Mail senior political reporter Marieke Walsh is on the show to walk us through a chaotic day on Parliament Hill and tell us what this could all mean for the Liberal government.Questions? Comments? Ideas? Email us at thedecibel@globeandmail.com

It was chaos in the nation's capital on Monday as Parliament Hill was rocked by the sudden resignation of federal finance minister Chrystia Freeland.  What does this latest high profile resignation mean for the Trudeau government's future?Host David Smith speaks with Garry Keller, former advisor to prime minister Stephen Harper and Vice President at Strategy Corp. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter

Busy day on Parliament Hill, Senators back on the practice ice, no extra bodies on the trip, Carter Yakemchuk, NHL expansion and playoff expansion, Panthers snap the Oilers win streak, and Monday Night Football doubleheader.

A True North exclusive reveals footage of NDP Leader Jagmeet Singh getting into a Maserati on Parliament Hill. Singh is well-known for his expensive taste, once boasting about his Rolex collection and seen carrying a Versace bag. What happened to the NDP's fight against “greedy CEOs” and “the rich?” Plus, Whitecourt elementary school cancels its Christmas concert for not being inclusive enough. And in the wake of mounting concerns over Canada's immigration system, New Brunswick temporarily paused one of its immigration streams. Tune into The Daily Brief with Cosmin Dzsurdzsa and Isaac Lamoureux! Learn more about your ad choices. Visit megaphone.fm/adchoices

It was an emotional day on Parliament Hill as people gathered for Remembrance Day services. Young and old remembered Canada's war veterans. This year's Silver Cross mother highlighted mental health and PTSD.And: The shadow of Donald Trump has cast a cloud over the world climate conference, COP29. It opened today in Azerbaijan with deep concern that once he is president, Trump will undo whatever climate commitments the U.S. agrees to at the summit. Some wonder if that prospect will cause other countries to rein in their own ambitions as well.Also: Free transit, anyone? Orangeville, Ontario sees ridership more than double after it scraps fares – an idea with growing support, though unlikely to catch on in bigger cities.Plus: Israel talks annexation of West Bank settlements, dockworkers in Montreal locked out, and Donald Trump starts filling positions in his administration.

Dean Blundell joins Zev Shalev for the third installment of Narativ Canada. Canadian Prime Minister Justin Trudeau has a list of members of Parliament who are either actively engaged with or at high risk of foreign interference, putting Parliament Hill in crisis. The bombshell disclosure came at Canada's Foreign Interference Inquiry, during which Trudeau expressed frustration at Opposition Leader Pierre Poilievre's continued refusal to receive top-secret security briefings about the threat.   I have the names of a number of parliamentarians, former parliamentarians, and/or candidates in the Conservative Party of Canada, who are engaged or at high risk of, or for whom there is clear intelligence around foreign interference,"  PM Justin Trudeau under oath.   The Prime Minister emphasized that his government has directed CSIS to inform the Conservative Party leader about these security risks, but Poilievre's refusal to receive classified briefings means "nobody in his party, nobody in a position of power knows the names of these individuals and can take appropriate action." Indian Government's Deep Infiltration Exposed The revelations come amid mounting evidence of Indian government interference in Canadian politics. The RCMP has uncovered evidence linking Indian government agents to a campaign of violence, including homicides, coercion, and extortion on Canadian soil. In a dramatic development, Trudeau confirmed he confronted Indian Prime Minister Narendra Modi about these allegations during what he described as a "very uncomfortable" conversation at the G20 summit. The Prime Minister disclosed that Indian diplomats and consular officials in Canada had allegedly leveraged their positions to engage in clandestine intelligence-gathering activities. Conservative Party Operative Under Investigation Adding to the growing scandal, recent reports indicate that Arpan Khanna, who served as Pierre Poilievre's Ontario co-chair during his successful leadership campaign, is under investigation by CSIS for potentially receiving support from the Indian government.  Khanna's nomination in the Oxford riding has come under particular scrutiny. Two senior riding officials resigned in protest, claiming the party leadership "hijacked" the process to favor Khanna. About Dean Blundell Dean Blundell, a legendary figure in Canadian broadcasting who hosted the boundary-pushing morning show on Toronto's 102.1 The Edge (2001-2014) and later Fan 590, has transformed from self-described "shock jock" to one of Canada's most important investigative voices through his Dean Blundell Show podcast and Crier Media empire. Under the Crier Media banner, which operates dozens of podcasts and works with a collective of reporters, journalists, and lawyers while maintaining complete independence by refusing government funding, Blundell has emerged as a leading investigator of foreign interference in Canadian politics, breaking significant stories about threats to democracy that mainstream media outlets often hesitate to cover, including early reporting on Pierre Poilievre's refusal to obtain national security clearance and exposing connections between Canadian conservative movements and international actors.

Dean Blundell joins Zev Shalev for the third installment of Narativ Canada. Canadian Prime Minister Justin Trudeau has a list of members of Parliament who are either actively engaged with or at high risk of foreign interference, putting Parliament Hill in crisis. The bombshell disclosure came at Canada's Foreign Interference Inquiry, during which Trudeau expressed frustration at Opposition Leader Pierre Poilievre's continued refusal to receive top-secret security briefings about the threat. I have the names of a number of parliamentarians, former parliamentarians, and/or candidates in the Conservative Party of Canada, who are engaged or at high risk of, or for whom there is clear intelligence around foreign interference,"  PM Justin Trudeau under oath. The Prime Minister emphasized that his government has directed CSIS to inform the Conservative Party leader about these security risks, but Poilievre's refusal to receive classified briefings means "nobody in his party, nobody in a position of power knows the names of these individuals and can take appropriate action." Indian Government's Deep Infiltration Exposed The revelations come amid mounting evidence of Indian government interference in Canadian politics. The RCMP has uncovered evidence linking Indian government agents to a campaign of violence, including homicides, coercion, and extortion on Canadian soil. In a dramatic development, Trudeau confirmed he confronted Indian Prime Minister Narendra Modi about these allegations during what he described as a "very uncomfortable" conversation at the G20 summit. The Prime Minister disclosed that Indian diplomats and consular officials in Canada had allegedly leveraged their positions to engage in clandestine intelligence-gathering activities. Conservative Party Operative Under Investigation Adding to the growing scandal, recent reports indicate that Arpan Khanna, who served as Pierre Poilievre's Ontario co-chair during his successful leadership campaign, is under investigation by CSIS for potentially receiving support from the Indian government.  Khanna's nomination in the Oxford riding has come under particular scrutiny. Two senior riding officials resigned in protest, claiming the party leadership "hijacked" the process to favor Khanna. About Dean Blundell Dean Blundell, a legendary figure in Canadian broadcasting who hosted the boundary-pushing morning show on Toronto's 102.1 The Edge (2001-2014) and later Fan 590, has transformed from self-described "shock jock" to one of Canada's most important investigative voices through his Dean Blundell Show podcast and Crier Media empire. Under the Crier Media banner, which operates dozens of podcasts and works with a collective of reporters, journalists, and lawyers while maintaining complete independence by refusing government funding, Blundell has emerged as a leading investigator of foreign interference in Canadian politics, breaking significant stories about threats to democracy that mainstream media outlets often hesitate to cover, including early reporting on Pierre Poilievre's refusal to obtain national security clearance and exposing connections between Canadian conservative movements and international actors. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On October 22, 2014, a man named Michael Zehaf-Bibeau entered Parliament Hill, killing Canadian soldier Nathan Cirillo and catching security off guard.On the 10th anniversary of what was later deemed a terror attack — and with security risks for politicians only growing — the Globe's national affairs reporter, Kristy Kirkup, joins The Decibel to revisit the events of that day, sharing stories of responders, and explaining how Parliament Hill changed because of it.Questions? Comments? Ideas? Email us at thedecibel@globeandmail.com

The Thanksgiving long weekend ended with a bombshell from the RCMP and Prime Minister Justin Trudeau: Accusations that agents from the Indian government are linked to, and helped orchestrate criminal acts in Canada. These allegations include acts like murder and extortion against members of the country's Sikh community.It's the latest development in an ongoing row between Canada and India that started last year. Now as diplomats are expelled from both countries, the fallout has just begun.Meanwhile, there is a growing movement within the federal Liberal caucus to oust Trudeau as leader, involving a secret document being passed around. Catherine Cullen, CBC senior parliamentary reporter and host of CBC Radio's The House, joins us to talk about how everything is playing out on Parliament Hill and beyond. For transcripts of Front Burner, please visit: https://www.cbc.ca/radio/frontburner/transcripts

MONOLOGUE Kamala Harris's Husband Accused of Brutal Assault—What Does This Say About the 'Progressive' Elite? Opposition MPs yesterday sought a committee inquiry into a videotaped incident in which an armed constable denied Parliament Hill access to a passerby because “he is not a supporter of Palestine.” https://www.blacklocks.ca/mps-outraged-seek-answers/ Evidence at the China inquiry yesterday depicted Defense Minister Bill Blair, 70, as distracted and ineffectual https://www.blacklocks.ca/blair-70-worked-from-home/  Tom Korski, Managing Editor Blacklock's Reporter SUBSCRIBE https://www.blacklocks.ca THE CULT OF CLIMATE CHANGE Hurricane Helene was wetter and windier due to climate change, report finds — with same expected of Milton https://www.nbcnews.com/science/climate-change/hurricane-helene-milton-climate-change-wetter-windier-rcna174347  Antarctica has turned green due to global warming: the vegetation cover has increased more than 10 times https://eng.obozrevatel.com/section-news/news-antarctica-has-turned-green-due-to-global-warming-the-vegetation-cover-has-increased-more-than-10-times-recent-photos-07-10-2024.html  Tony Heller, Geologist, Weather Historian, Founder of https://realclimatescience.com Conservatives want Speaker Fergus fired after Poilievre censored in Commons https://tnc.news/2024/10/08/conservatives-want-fergus-fired-censored-poilievre/  Noah Jarvis – True North https://tnc.news Were Hurricanes Helene and Milton Weaponized to Disrupt Elections and Clear Path for 15-Minute Cities? Michael A. Letts, Founder, President, CEO of In-Vest USA, a 501(c)(3) non-profit partnering with the grassroots community to provide body armor for first responders at absolutely no cost to the officer or agency. https://investusa.org THIS DAY IN ROCK HISTORY On October 9, 1985, Beatles fans gathered at New York's Central Park for the dedication of the Strawberry Fields John Lennon memorial. In 1969, for the first time in the history of the show, producers at the UK's Top of the Pops refused to play the country's No.1 hit song. The tune in question was “Je T'aime…Moi Non Plus,” a sultry duet between real-life couple Serge Gainsbourg and Jane Birkin. In 1961, Ray Charles topped the US pop chart with “Hit the Road Jack.” Jeremiah Tittle, Co-Host of "The 500 with Josh Adam Myers" podcast and CEO/Founder of Next Chapter Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Fr Rob, Alyssa and Justine in this episode of Season 12 of the Catholic Influencers Podcast as they break open this week's upcoming Gospel. 28th Sunday in Ordinary TimeGospel: Mark 10:17-27Throughout this episode, you'll hear highlights from an interview between Augie Angrisano & Chris Bray. You can find the extended interview exclusively on our YouTube Channel at https://www.youtube.com/@CatholicInfluencersPodcastChris Bray is a full-time Catholic speaker & musician. Having received multiple Gospel Music Association Covenant awards and numerous #1 hit songs on Christian radio in Canada, his ministry has spanned North America from headlining the National March for Life rally on Parliament Hill for 25,000 people, the Air Canada Centre, working with great figures such as Matt Maher, Matt Fradd, Jackie Francois, Leah Darrow, Emily Wilson, Paul J. Kim, Steve Ray, Ralph Martin, Chris Padgett, Fr. Dave Pivonka, Sr. Miriam James, Teresa Tomeo, involvement in Life Teen, World Youth Day, Steubenville Toronto, National Catholic Youth Conference (NCYC), featured on EWTN, Salt & Light TV, 100 Huntley St., Shalom World TV, presenting to tens of thousands each year at hundreds of conferences, retreats, schools, and churches. Chris is a husband to Katie, and a proud father of their five daughters. For a shorter, more reflective explanation of the Gospels, be sure to check out our sister podcast Catholic Influencers Fr Rob Galea Homilies.Discover more OSV Podcasts content by signing up for monthly updates on the latest show highlights at www.osvpodcasts.comSupport the showAn OSV Podcasts partner. Discover more ways to live, learn, and love your Catholic faith at osvpodcasts.com. Sharing stories, starting conversations.

Iran's Supreme leader leads fiery Friday Prayers against Israel. Canadian charter flights leave Lebanon with hundreds of empty seats. Ottawa police stepping up security around Parliament Hill amid safety concerns from MPs.