Podcasts about waterloo region

This episode, Ariel speaks to Sam Nabi about One Million Neighbours, a project bringing together the voices of local non-profits that envisions the future of Waterloo Region once the population has reached one million. Sam discusses the impetus for the project, providing a voice for the voiceless, the issue with grant applications, funding the future, being proactive instead of reactive to harsh policies, and much more. What might an abundant, inclusive, resilient (Ariel says: solarpunk) city look like on the human level? Who lives there, what do they value, and what are their daily lives like? And what does it look like to take action now at the regional/municipal level to ensure that utopian vision?Links:https://onemillionneighbours.ca/https://samnabi.com/https://www.holdthelinewr.org/ Hosted on Acast. See acast.com/privacy for more information.

Okay, so you may not enjoy the company of bees, but they're vital for plant reproduction and biodiversity. Without bees and other pollinating species, a significant portion of our global food supply would be in jeopardy. On the latest episode of Your Region Pod we take a look at the top three pollinators in Waterloo Region (you may be surprised!), what our community partners are doing to help them get where they need to go, and how you can as well.   Vicki Wojcik, the Executive Director for Pollinator Partnership Canada joins us to help us identify who these pollinators are. Spoiler: It's not just bees. Dr. Jennifer Leat from Waterloo Region Nature talks about the pollinator roadside program.Brydon Rayner, the Region's expert on forestry and horticulture shares his insights on ideal habitats for pollinators.Be sure to sign up for our monthly newsletter Around The Region  for news and stories on how The Region is becoming one of the best places to live in Canada.You can find Your Region Pod wherever you stream your favorite podcasts.Website: https://yourregionpod.buzzsprout.com Spotify: Your Region Pod | Podcast on SpotifyiTunes: Your Region Pod on Apple Podcasts Send us an email!Instagram: Regional Municipality of Waterloo (@regionofwaterloo) • Instagram photos and videos Facebook: Region of Waterloo | Kitchener ON | Facebook

We're talking electricity, efficiency, and lighting retrofits with Mitch Slade of Hickey Electrical Services—a trusted name in residential, commercial, industrial, and institutional electrical work across the Waterloo Region.We dive into:

Colleen James – Regional Councillor, Leader, and ChangemakerColleen James is a dedicated leader, advocate, and community champion serving as a Regional Councillor for the Region of Waterloo. With a deep commitment to public service, she brings a wealth of experience in leadership, education, and policy, working to create a more connected, sustainable, and thriving community for all residents.As the Chair of Sustainability, Infrastructure, and Development, Colleen plays a pivotal role in shaping the region's future. She is passionate about building resilient communities, fostering innovation, and ensuring that infrastructure development reflects the diverse needs of the people she serves. Her leadership is rooted in collaboration, transparency, and a steadfast belief in responsible growth and sustainability.Colleen's journey into public service is shaped by her extensive background in education, leadership, and civic engagement. She has a proven track record of working with diverse partners—residents, businesses, and policymakers alike—to turn ideas into action. Her ability to listen, engage, and build consensus makes her a strong advocate for practical and forward-thinking solutions.Her dedication and leadership have been recognized with numerous awards, celebrating her contributions to community development, leadership, and public service. These accolades reflect her commitment to making meaningful, lasting change in Waterloo Region and beyond.In 2025, Colleen ran in the provincial election, bringing her vision, leadership, and community-first approach to a broader stage. Through this experience, she deepened her commitment to championing the issues that matter most to residents, advocating for sustainable growth, strong public services, and a future where every voice is heard.With a passion for service and a vision for a more prosperous and inclusive future, Colleen James continues to lead with integrity, determination, and a deep love for the community she serves.Education:Honours BA in History, Political Science and Caribbean Studies (University of Toronto)Masters of Education in Educational Leadership and Policy (OISE)Awards and Recognition:Top 100 Black Women to Watch in CanadaPublic Service Excellence AwardHonourable Mention in our 2024 Women of Influence in Local Government Award. – Municpal World2025 – Global Impact Advocate Award #colleenjames #councillor #regionofwaterloo #chrispomay #livewithcdp #barrycullenchevrolet https://www.regionofwaterloo.ca/en/inhttps://beacons.ai/chrisdpomayhttps://www.cameo.com/chrispomayWant to create live streams like this? Check out StreamYard: https://streamyard.com/pal/d/54200596...https://www.instagram.com/councillorcolleen/

When the headlines no longer dictate your day, how do you write your next chapter?Today I talk with Lisa Drew. For more than three decades, Lisa's voice was the one that greeted Waterloo Region every morning, shaping the way thousands of people started their day. She was there when the biggest stories broke, she was there when the world shifted overnight, and she was there to let us know if schools and roads were open or closed on a snowy day. From her start on 570 CHYM's news and traffic team to her 16-year partnership with Glenn Pelletier as co-anchor of All News Mornings, Lisa became a trusted voice in the community.And then, she retired or fake retired, as Lisa calls it. Not because she had to…but because she was ready for something new.Lisa Drew, the award-winning journalist, became Lisa Drew, the flower farmer. She stepped away from radio and into entrepreneurship, turning a lifelong passion for flowers into Cherry Hill Blooms, a thriving floral business. Lisa shares what it's like to go from the fast-paced world of media to the quiet patience of growing something new. We talk about shifting identities, taking on the challenge of reinvention, and the role of mentorship, especially for women in business.Connect with Lisa:WebsiteLinkedInInstagramResources:Cherry Hill BloomsFlour MillFresh Idea CollectiveCambridge School of FlowersConnect With Us:Voices of Leadership PodcastInstagramLinkedInYouTubeBespoke Productions WebsiteBespoke Productions Instagram

On today's episode of The Pink Shirt Pod, I am joined by Simon Dowrick, the creator of the Crokinole Cup. Simon discusses the origins and inspiration of this multiphase event. We then discuss the draw and preview the first edition. Finally Simon sticks around to discuss some January NCA events and the NCA standings.Crokinole Cup on Instagram:@crokinolecup (https://www.instagram.com/crokinolecup?igsh=azdodTUzemJ4Zmgw)Crokinole Cup on Facebook: @crokinole (https://www.facebook.com/profile.php?id=61572494220086)NCA tour standings: http://nationalcrokinoleassociation.com/results/Season15/rankings.html

With a growing population and rising demand for housing, municipalities take on the task of setting up the infrastructure to service their residents. Roads, community centres, and, of course, pipes for water and sewage. But with aging assets and the need to build more, municipalities, big and small, are feeling the pressure. At the Rural Ontario Municipalities Association conference to discuss the challenges and opportunities for rural Ontario, are: Michele Grenier, Executive Director of the Ontario Water Works Association; Craig Dyer, Chair of the Local Area Services Water Utility Feasibility Study expert panel and former Chief Financial Officer of Waterloo Region; and Patrick McManus, Executive Director, Ontario Sewer and Watermain Construction Association. They join Steve Paikin.See omnystudio.com/listener for privacy information.

In this special episode from the vault, Stephanie revisits her conversation with Naudia Banton, a powerhouse entrepreneur and talent management expert. With an impressive background spanning industries like publishing, healthcare, insurance, education, and manufacturing, Naudia has carved out a unique path in the business world. She played a key role in launching Waterloo Region's first Women Entrepreneurs Bootcamp and currently advises startups through the Summer Company Program.In this episode, Naudia shares her entrepreneurial journey, discusses her experience working in the tech field, and reflects on the challenges and triumphs of going back to school as a mom. She also offers valuable advice on diversity, career development, and how to succeed across multiple industries.Whether you're navigating the early stages of entrepreneurship, balancing family and career, or seeking guidance on how to grow in your professional life, Naudia's insights are as relevant today as they were when we first recorded this episode. Tune in for a dose of inspiration and actionable advice from an industry leader who's been there, done that, and is still making waves! Our 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/navigating-the-milestone-celebrating-my-40th-birthday-on-my-own-terms-and-how-you-can-too

In this episode we are speaking with Kathy Lepp as she shares with us about the Intergenerational Music Therapy Jamboree program as well as the growth of music therapy in long term care. In addition, Kathy tells us about her experience working with women's crisis services and how music therapy helps her clients who are coping with trauma. Here is a little more about Kathy: Kathy Lepp is a veteran music therapist who has worked in the field for over 25 years. A Laurier graduate - she has worked within a variety of populations including Long term Care, Palliative care, Infant Development and Domestic Violence survivors. Kathy currently works full time for Women's Crisis Services of Waterloo Region as Music Therapist. She is passionate about trauma informed, culturally sensitive work, in the support of women and children who are fleeing intimate partner domestic violence . Kathy is a musician who continues to enjoy the personal outlet of songwriting, arranging and performing . She can be seen regularly performing and recording with Sing Me A River - her indie/ folk/ pop duo. Link to Song: Begin Again by Sing Me a River (K.Lepp)  https://youtu.be/TgWMZMlxjhw?si=0X6iB_G13k8mYDKJ Beyond the Studio, Sing it Girls and the Canadian Music Therapy Podcast were founded by Adrienne Pringle and Cathy Thompson. Adrienne is a Registered Psychotherapist and Certified Music Therapist with over years of clinical experience working as a music therapist in hospital palliative care, and hospice. She currently works in private practice with Beyond the Studio and CHM Therapy, as an educator and supervisor with Concordia and Wilfrid Laurier Universities. She serves on the Board of Directors for the Canadian Music Therapy Fund and is a past President of the Canadian Association of Music Therapists. Adrienne co-founded Beyond the Studio, Sing it Girls! and The Canadian Music Therapy Podcast with Cathy Thompson in 2013. Adrienne's clinical work is focused in mental health, wellness care, bereavement support, hospice palliative care, chronic illness, and using voice, song and music to support emotional and physical health across the lifespan. She created the Singing Well bereavement support group, her research in collaboration with Concordia university is published in the Summer 2018 issue of Bereavement Care. Her most recent publication, "Reflections on the Canadian Music Therapy Podcast: The First 40," can be found in the Canadian Journal of Music Therapy, 2023. Contact Adrienne for Supervision Cathy is a leader in business development across Canada. She is passionate about helping people discover their own talents and gifts in the areas of personal and professional development. She partnered with Adrienne to establish Beyond the Studio because of the vision of the organization. To nurture a love of music in all clients and students. Music is such a critical part of our world and Beyond the Studio offers a gateway in which people can experience more of it, through therapy and lessons. She has seen firsthand the joy and milestones that can be reached through music therapy. I'm excited that we are able to help more people through our psychotherapy services launched in the fall of 2023. Author of: The Dandelion: Secrets to Growing Your Successful Business from the Ground Up. Buy Now! Publications: "Reflections on the Canadian Music Therapy Podcast: The First 40," can be found in the Canadian Journal of Music Therapy, 2023. Thompson, C., Girls Talk : An anti-stigma program for young women to promote understanding of and awareness about depression: Facilitator's manual, Centre for Addiction and Mental Health. Canada.

In this episode, Caitlin Plant, Program Manager at Distress and Crisis Ontario, speaks with Anna Najcler, Volunteer Coordinator at the Sexual Assault Support Centre of Waterloo Region (SASC). Anna shares her journey to her current role, highlighting the essential qualities she looks for in volunteers, how SASC provides comprehensive training and support, and the unique needs of survivors from diverse backgrounds. They also discuss debunking common misconceptions about sexual assault and the broad range of services SASC offers. The conversation touches on the challenges and rewards of working in this sensitive area, practical steps for becoming an ally, and what changes are needed to foster safer communities. To learn more about the Sexual Assault Support Centre of Waterloo Region or to get involved, visit sascwr.org. To connect with support related to this episode, or for anything else going on in your life, please visit www.dcontario.org/locations to find your nearest Member Centre. Many of our centres operate 24/7. Thank you for joining us, and we hope this episode encourages you to continue the conversation. If you have feedback or future content requests, please use the following link: https://forms.gle/o8yUPMss6wo8dP1X8.

In this episode of Narcissist Apocalypse Q&A, Brandon talks with Jenna Mayne (Host of the 'She is Your Neighbour' Podcast) about the initiatives at Women's Crisis Services of Waterloo Region, her podcast "She Is Your Neighbour" which raises awareness about domestic violence, victim stereotypes, gendered violence, and the strength of survivors. Click here for their fundraiser , Voices Empower. Click here for the Women's Crisis Services of Waterloo Region. Click here for the She is Your Neighbour Podcast. *** CONTENT WARNING - This episode discusses physical abuse. *** If you want to be a guest on our survivor story podcast, please click here or send us an email at narcissistapocalypse@gmail.com To help out our podcast, please fill out our listener survey, click here. PODCAST RECOMMENDATIONS: Perfect Prey With Dr. Christine Cocchiola | Click Here The Covert Narcissism Podcast | Click Here Something Was Wrong | Click Here When Dating Hurts Podcast | Click Here If you or someone you know are experiencing abuse, you are not alone. DomesticShelters.org offers an extensive library of articles and resources that can help you make sense of what you're experiencing, connect you with local resources and find ways to heal and move forward. Visit www.domesticshelters.org to access this free resource.  If you need help moving due to domestic violence, Shelter Movers may be able to help you. They operate by referral. Clients may be referred by any person of authority (social worker, doctor, police, crisis counselor, teacher, etc.) or public agency (shelter, hospital, school, workplace, place of worship, sexual assault centre, etc.).  To reach them, click here. Join our new Community Social Network at https://community.narcissistapocalypse.com/ Join our Instagram Channel at https://www.instagram.com/narcissistapocalypse Join our Youtube Channel at https://www.youtube.com/channel/UCpTIgjTqVJa4caNWMIAJllA Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Narcissist Apocalypse Q&A, Brandon talks with Jenna Mayne (Host of the 'She is Your Neighbour' Podcast) about the initiatives at Women's Crisis Services of Waterloo Region, her podcast "She Is Your Neighbour" which raises awareness about domestic violence, victim stereotypes, gendered violence, and the strength of survivors. Click here for their fundraiser , Voices Empower. Click here for the Women's Crisis Services of Waterloo Region. Click here for the She is Your Neighbour Podcast. *** CONTENT WARNING - This episode discusses physical abuse. *** If you want to be a guest on our survivor story podcast, please click here or send us an email at narcissistapocalypse@gmail.com To help out our podcast, please fill out our listener survey, click here. PODCAST RECOMMENDATIONS: Perfect Prey With Dr. Christine Cocchiola | Click Here The Covert Narcissism Podcast | Click Here Something Was Wrong | Click Here When Dating Hurts Podcast | Click Here If you or someone you know are experiencing abuse, you are not alone. DomesticShelters.org offers an extensive library of articles and resources that can help you make sense of what you're experiencing, connect you with local resources and find ways to heal and move forward. Visit www.domesticshelters.org to access this free resource.  If you need help moving due to domestic violence, Shelter Movers may be able to help you. They operate by referral. Clients may be referred by any person of authority (social worker, doctor, police, crisis counselor, teacher, etc.) or public agency (shelter, hospital, school, workplace, place of worship, sexual assault centre, etc.).  To reach them, click here. Join our new Community Social Network at https://community.narcissistapocalypse.com/ Join our Instagram Channel at https://www.instagram.com/narcissistapocalypse Join our Youtube Channel at https://www.youtube.com/channel/UCpTIgjTqVJa4caNWMIAJllA

In this episode of Your Region Pod, we take on the Zero-Waste Challenge. Every October, residents of Waterloo Region to try to fit their single-use waste into a mason jar for 7, 14, or 30 days. We decided to take the 7 day challenge, and found that changing our habits wasn't easy. Listen to find out how we did, and to get some tips on how to reduce your contribution to the landfill.  Be sure to sign up for our monthly newsletter Around The Region  for news and stories on how The Region is becoming one of the best places to live in Canada.Check the links from our contributors to find out more.Reep Green Solutions; Reep Green Solutions – Reep Green Solutions is an environmental charity that helps people live sustainably.GreenHouse: https://www.instagram.com/ucgreenhouse/Waterloo Indigenous Student Centre: https://www.instagram.com/wisc_uw/United College: https://www.instagram.com/unitedcollegeuw/University of Waterloo Sustainability Office: https://www.instagram.com/uwsustainable/You can find Your Region Pod wherever you stream your favorite podcasts.Website: https://yourregionpod.buzzsprout.com Spotify: Your Region Pod | Podcast on SpotifyiTunes: Your Region Pod on Apple Podcasts Send us an email!

On this episode of Your Region Pod, we are looking at Community Safety Zones. What are they, why are they needed, and how are they enforced? The reality is that more kids than ever are being driven to school because parents no longer feel safe letting their kids walk, or ride their bikes. This has everything to do with the number of cars, and high rates of speed. In a sense, more cars have begotten more cars. In response to this, The Region is creating Community Safety Zones in areas with higher pedestrian volumes. To help guide us through the program we invited Valerie Smith, Director of Road Safety and Safe Mobility Programs at Parachute Canada. Leslie Maxwell from Student Transportation Services of Waterloo Region. We also bring back Doug Spooner, the Interim Commissioner for Transportation Services here at The Region of Waterloo. We hope you enjoy the episode, and we'd love to know what you think. You can find us on our socials below.Instagram: Regional Municipality of Waterloo | Kitchener, Ontario | Instagram photos and videos FB: Region of Waterloo | Kitchener ON | FacebookLinkedin: Region of Waterloo | LinkedIn You can find Your Region Pod wherever you stream your favorite podcasts.Website: https://yourregionpod.buzzsprout.com Spotify: Your Region Pod | Podcast on SpotifyiTunes: Your Region Pod on Apple Podcasts Be sure to sign up for our monthly newsletter Around The Region on our website.Send us an email!

In this episode of The Old Grey Mayor's Podcast, host Robert Deutschmann reconnects with Geoff Lorentz, a veteran of municipal politics with 34 years of service, including 21 years on Regional Council. Geoff discusses his journey from being appointed to Regional Council under the old double-elect system to becoming a councillor through the direct election process. The conversation reflects on significant projects like the ION light rail system, airport development, and the challenges of managing regional governance. Geoff shares insights about key issues such as working with staff, Uber's arrival in Waterloo Region, and the impact of roundabouts on traffic safety. He concludes by reflecting on his transition away from public office and the camaraderie that made his time in politics fulfilling. This episode provides a deep dive into the nuances of regional governance, the balancing act between innovation and responsibility, and the satisfaction of public service. Geoff Lorentz offers a seasoned perspective on the rewards and challenges of managing public infrastructure, budgets, and evolving community needs. Tune in for practical insights into local politics and stories about the key projects that have shaped the Waterloo Region.

Mona Loffelmann, founder and executive director created African Family Revival Organization (AFRO) in 2015 because of a disconnect she witnessed between youth and seniors and the larger community. According to Mona, seniors don't have access to the things most of us do, for example, health and allied health services, due in part to a language barrier or a fear of going out into the community. Some may have dementia and others are just isolated. Mona felt compelled to make a change. During our conversation, Mona speaks about the many programs offered by AFRO to both seniors and young people in the Waterloo Region and surround areas such as Guelph. AFRO received funding from Red Cross which allowed them to create a program whereby youth would support seniors by dropping off supplies, which turned into a buddy program. The organization received further funding from the Schlegel-UW Research Institute for Aging (RIA) and the Government of Canada to create an in-person program that brings together seniors and youth. This episode also includes a conversation with Ms. D (or Diney), a 75 year old “Senior Ambassador” at AFRO. Ms. D has become a spokesperson helping to connect AFRO with other seniors in the community, and Elise who is a student involved in AFRO. They both talk about how their relationship is mutually beneficial.   Resources: Afrofamily.ca Phone (548)-889-3506 (519)-223-AFRO (2376) Address 737 Belmont Ave. W, Suite 4 Kitchener, Ontario, N2M 1P3   About the guest: Mona Loffelmann, Founder and Executive Director, African Family Revival Organization (AFRO) Over the past decade, Mona has been working to ensure that all members of our community feel valued, included, and heard. In this role, she is be responsible for developing and implementing outreach programs that engage black and other marginalized groups, building relationships with key stakeholders, and working to create a more inclusive and equitable community. Mona possesses adequate communication, organizational, and resilience skills. She is enthusiastic about her work and continues to collaborate with other organizations to provide community-oriented services. More importantly, Mona is constantly looking to collaborate with other organizations to track and measure the success of outreach efforts, making recommendations for improvement as needed. Mona has a strong understanding of the importance of diversity, equity, and inclusion and she strives to educate others through presentations and training programs. In fact, Mona has completed a number of training programs including; “Train the Trainers Resilience Training” in partnership with Family and Children's Services of Waterloo Region. She has also completed “Intercultural Leadership Training” with Muslim Social Services of Waterloo Region. Mona is the Project Coordinator and Cultural Navigator for AFRO's Support Through Generations program, as well as the Executive Director of AFRO. Mona, along with the other AFRO board members, contributes to major decisions and changes that benefit the organization and community as a whole.    

With a growing waitlist for housing, it's never been more critical to build affordable homes in our community. This summer, the first-ever Housing Summit was hosted in Waterloo Region with the purpose of creating home grown solutions for accessible housing, and we decided to cover the event for Your Region Pod. At the Summit, local government connected with housing providers, developers, community leaders, and visionaries. Participants showed up to exchange ideas on how to plan, fund, and build affordable homes. They also took the opportunity to explore some pretty innovative solutions to help get shovels in the ground.On this episode, we hear from the participants and learn what is possible. It was a fascinating day. We hope that our coverage of this event provides some insight on the complexities of the issue, and more about the solutions that are being explored. Check out our monthly newsletter Making Decisions The Matter on our website to learn more about these decisions and others that impact our community.You can find Your Region Pod wherever you stream your favorite podcasts.Website: https://yourregionpod.buzzsprout.com Spotify: Your Region Pod | Podcast on SpotifyiTunes: Your Region Pod on Apple Podcasts Send us an email!

This weeks guest is Chris Gardner who joins us for in person interview. Chris is currently working as a chef at Malt and Barley in Kitchener. Chris got his start early in The Industry when he landed his first job as a dish washer at The Golden Griddle in his early teen years. Chris has worked in a number of spots covering both smaller private businesses as well as large corporate enterprises over the course of his culinary career in and around Waterloo Region. Links @sugarrunbar @babylonsistersbar @the_industry_podcast email us: info@theindustrypodcast.club Podcast Artwork by Zak Hannah zakhannah.co

She has been a highly successful Waterloo Region Realtor for 30 years! Having, herself, experienced moving 18 times in 21 years, this was a big part of why she decided that pursuing this career was a clear fit. She is a helper by nature and takes great joy in standing beside her clients as they buy or sell residential real estate. A twice Past President of the Cambridge Real Estate Association, she has also volunteered as a Director with Community Living Cambridge as well as the Alzheimer's Association and Hope Springs.When not working, she enjoys riding her motorcycle and she is an enthusiastic participant in Royal Lepage fundraising rides for RLP Shelter Foundation and Women's Crisis Services of Waterloo Region, organizations that are both working to prevent and alleviate the effects of violence against women. She has ridden all around Canada and beyond, including Tuktoyaktuk, the Himalayas and Colombia.He has been a Realtor in the Peterborough area for fourteen years, and one of his key pillars are community support and involvement.As an avid motorcyclist for over twenty years, he says he would rather be on any bike any day, than in the coolest car. From a quick ride to the store to trips across the country, any time on a bike is a good time for him. And this is exactly why he is incredibly excited to be a part of the Realtors Care Ride again this year.Joining me on this episode of The MindShare Podcast to talk about ' Revving up for Charity: What You Need to Know About the Ontario REALTORS Care Foundation Charity Motorcycle Ride ', are Special Guests - REALTORS Val Brooks, and Ben vanVeen.5:35 *why do you support shelter-based charities, and what is the need in Ontario?9:50 *what is the motorcycle ride for charity?11:14 *Val, you told me you got your motorcycle license when you turned 50, what sparked this?18:10 *Val, can you tell us about the route you'll be taking this year?20:32 *Ben, can you tell us about the route you'll be taking this year?26:56 *Ben, as I understand it, this will be your second year riding?... what was the anticipation you had the first time you showed up to this event, and what was the experience like for you?37:42 *what's something that really stands out to each of you about the ride, this particular event, and the people who all come together to be part of it?43:45 *what if people don't ride, how can they still get involved?50:14 *how do people learn more, and where can they go to sign up for the ride for charity?50:54 *what would you say to anyone on the fence about getting involved?1:00:09 *how do you know its been a successful day for you?1:04:02 *any final words of wisdom you want to give to help everyone build more mindshare to get more market share?Thanks for tuning in to this episode of The MindShare PodCast with our special guests - REALTORS - Val Brooks, and Ben vanVeen, as we talked about ' Revving up for Charity: What You Need to Know About the Ontario REALTORS Care Foundation Charity Motorcycle Ride ' .Get your FREE gift on my homepage at www.mindshare101.com just for tuning in!I'd also be really grateful if you could take a quick second to go www.ratethispodcast.com/mindshare101 to rate the show for me.And we haven't connected yet, send me a message!Facebook: facebook.com/mindshare101 Instagram: instagram.com/davidgreenspan101Youtube: youtube.com/@DavidGreenspanLinkedin: linkedin.com/in/mindshare101

On today's episode, we welcome Karen Coviello, a dynamic leader with a wealth of experience across multiple sectors. Karen is currently the Vice President of Affiliate Success at Habitat for Humanity Canada and also serves as the President & Chair of the Board at the YW Kitchener-Waterloo, advocating for women's issues and championing equity. We discuss the pivotal role of partnerships with families at Habitat for Humanity, addressing common misconceptions about their unique homeownership model and the powerful impact of working together toward a shared goal. Karen also shines a light on the transformative work happening at the YW in Waterloo Region, showcasing how the organization is reimagining shelter systems and creating dignified living spaces for women with complex needs.Throughout her varied career, Karen has dedicated herself to building more equitable communities, especially in the Waterloo Region. Now, with her role at Habitat Canada, she's expanding that impact nationwide. We explore the many ways she's driving change and inspiring others along the way.Connect With Karen:LinkedInResources: Habitat for HumanityYW Kitchener-WaterlooWaterloo Public LibraryWhat did you think of today's episode? We want to hear from you!Thank you for listening today. Please take a moment to rate and subscribe to our podcast. When you do this, it helps to raise our podcast profile so more leaders can find us and be inspired by the stories our Voices of Leadership have to share. Connect with us:Voices of Leadership WebsiteInstagramBespoke Productions Hub

On today's episode, we welcome Karen Coviello, a dynamic leader with a wealth of experience across multiple sectors. Karen is currently the Vice President of Affiliate Success at Habitat for Humanity Canada and also serves as the President & Chair of the Board at the YW Kitchener-Waterloo, advocating for women's issues and championing equity. We discuss the pivotal role of partnerships with families at Habitat for Humanity, addressing common misconceptions about their unique homeownership model and the powerful impact of working together toward a shared goal. Karen also shines a light on the transformative work happening at the YW in Waterloo Region, showcasing how the organization is reimagining shelter systems and creating dignified living spaces for women with complex needs.Throughout her varied career, Karen has dedicated herself to building more equitable communities, especially in the Waterloo Region. Now, with her role at Habitat Canada, she's expanding that impact nationwide. We explore the many ways she's driving change and inspiring others along the way.Connect With Karen:LinkedInResources: Habitat for HumanityYW Kitchener-WaterlooWaterloo Public LibraryWhat did you think of today's episode? We want to hear from you!Thank you for listening today. Please take a moment to rate and subscribe to our podcast. When you do this, it helps to raise our podcast profile so more leaders can find us and be inspired by the stories our Voices of Leadership have to share. Connect with us:Voices of Leadership WebsiteInstagramBespoke Productions Hub

Linda Ockwell-Jenner is joined by Adam Mawer, Director of Workhaus KW - a Canadian co-working space. Adam started with the organization as a member, before taking a role at Workhaus itself. Workhaus is the title sponsor for the SBCN and home to our monthly networking events in Waterloo Region.

Today's episode discusses some of the rumours circulating about President Biden and his current whereabouts. We also discuss the the new Regional hospital coming to Waterloo Region, Scott reads an unflattering DM and explains why he supports privatization, and there is a discussion about rude and cringey things people do in the DM's of dating sites. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this continuation of the Intergenerational Engagement series, host Lisa Loiselle speaks with Dana Zummach and Kate Dupuis.  Kate Dupuis is the Schlegel Innovation Leader in Arts and Aging at Sheridan College and the Schlegel-UW Research Institute for Aging. She is based at the Sheridan Centre for Elder Research in Oakville, Ontario and is a Professor in Sheridan's Faculty of Applied Health and Community Studies. After receiving her Ph.D. in Psychology from the University of Toronto, Kate completed a postdoctoral fellowship in the Neuropsychology and Cognitive Health and Hearing Services programs at Baycrest and became registered with the College of Psychologists of Ontario as a clinical neuropsychologist.   Kate is a clinician-scientist whose work lies at the intersection of arts, health, and aging. In her research, Kate seeks to understand how arts participation can benefit all domains of health and well-being for older adults and those who care for them, and she explores how to encourage and support creativity and self-expression across the lifespan. During the COVID-19 pandemic, Kate's work expanded to explore the experiences of moral distress and moral injury in staff working in retirement and long-term care homes. She uses arts and creativity techniques to address the health and well-being of staff, with an aim towards enhanced resilience and recovery.   Dana Zummach is the manager of Dementia Programs at the Schlegel-UW Research Institute for Aging and has been involved with the Supporting Inclusion through Intergenerational Partnerships (SIIP) project since 2019. The SIIP project reduces social isolation, and builds meaningful relationships that span across generations. SIIP works with organizations across Waterloo Region to provide opportunities for older adults living with dementia, their care partners, and youth to connect and interact in purposeful ways. Dana has over 15 years of experience in public health research, program evaluation, and project management and holds a Bachelor of Science in Health Studies and Gerontology and Master of Science in Public Health and Health Systems both from the University of Waterloo.  In this episode, Lisa, Dana and Kate discuss several Intergenerational programs that have been supported by SIIP funding through the RIA and programs that Kate has been involved in creating and supporting through her research. They also explore why these interactions are so important and meaningful to both the young and their “grand-friends.” Many lessons were learned from the programs being supported by SIIP funding and as a result, Dana shares some best practices and how to access key resources for training purposes and also program development and/or management. Finally, some words of advice are shared about program sustainability.  

In Part 2 of our series on chronic homelessness in Waterloo Region, we explore the three main causes of homelessness through two voices - criminologist Dr. Erin Dej from Wilfrid Laurier, and Marjorie, an advocate who's lived through it, and now helps those who are struggling. This episode is a helpful reminder that in order to prevent and end chronic homelessness, we must look beyond the individual and relational factors to the bigger issues that we can all have a role in addressing. Get Your Region Pod anywhere you stream your podcasts. Website: https://yourregionpod.buzzsprout.com Spotify: Your Region Pod | Podcast on SpotifyiTunes: Your Region Pod on Apple Podcasts Send us an email!

Elias returns to Waterloo Region for post-Ontario Police College training, receives his badge and completes his first few shifts in the community under the watchful eye of a coach officer. Amanda continues her work in the community, responding to a call that requires a mental health apprehension.

Elias continues his training at home in Waterloo Region and gains valuable experience through foundational judgment scenarios. Later, he moves down to the Ontario Police College where he'll spend several months learning alongside recruits from across the Province with training in everything from police vehicle operations to intimate partner violence response. On the road, Amanda experiences a busy night responding to several calls, including one for shoplifting at a local grocery store.

Doug is joined by Kim Wilhelm, CEO of the Food Bank of Waterloo Region. Together, they talk about the various programs available to the local community in need of food. They discuss the impact cost of living has had on the food bank, issues of food inflation and food insecurity, changes in demand since the pandemic, ways to donate, and how those in need can access food. Time Stamps: 00:00 Introduction 01:30 Food assistance programs 02:41 Hunger count 06:56 Food insecurity 08:13 How has the demand for the food bank changed since the pandemic 11:14 Food inflation 14:13 How does the food bank receive food 16:01 How can you donate cash to the food bank 16:51 The impact cost of living has had on food donations 18:20 How can you receive food from the food bank 22:04 Food bank delivery program 22:40 Food bank eligibility and agency support 29:44 Food banks most needed food items 33:40 Conclusion   Related Links: Hoyes Michalos is a proud partner of the Food Bank of Waterloo Region - https://www.hoyes.com/community-involvement/ Food Bank of Waterloo Region - https://www.thefoodbank.ca/ Food for Thought Blog - https://www.thefoodbank.ca/blog/ Volunteer at the Food Bank - www.thefoodbank.ca/volunteer Community Food Assistance Network- www.thefoodbank.ca/network/map Hunger in Waterloo Region - www.thefoodbank.ca/about/hunger/

Chronic homelessness is growing across The Region, and it has reached a crisis point for many communities across the country. In Waterloo Region, it is estimated to have increased at a rate of 28 percent, year-over-year since 2020. Why is this happening? And what are we doing about it? Your Region Pod  is working on a series that explores the history behind long term homelessness, the causes, and the plan to end it. What does it mean for our community, and what will it take to achieve this goal?We will hear from the people who have experienced homelessness, the academics who study it, and the key players who are working to address the crisis here in The Region. Our first episode, The State of Chronic Homelessness in The Region. How did we get here?  will try to provide some context on how we got here.  Get Your Region Pod anywhere you stream your podcasts. Website: https://yourregionpod.buzzsprout.com Spotify: Your Region Pod | Podcast on SpotifyiTunes: Your Region Pod on Apple Podcasts Send us a Text Message.

Did you know bowling is an Olympic sport?In this exciting episode, Constable John Burke joins us to share inspiring stories from the Special Olympics, giving us a peek into a world where determination and joy shine through. As we gear up for the Ontario Special Olympic Spring Games, we talk with Constable Burke about the incredible journey these athletes undertake, the different sports included in the Special Olympics, and the Waterloo Regional Police's involvement in this fantastic cause.Special Olympics Spring GamesHosted in Waterloo regionMay 23-26, 2024We also ask about what it's like to be a police officer. Constable Burke takes us behind the scenes of what it takes to become a police officer, discussing the rigorous journey of joining law enforcement and the critical role officers play in the community. Get ready for an engaging conversation that highlights the inclusivity and joy that the Special Olympics bring to athletes, their families, and the community. ResourcesSpecial Olympics WebsiteWaterloo Regional Police ServicesWaterloo Region Record Special Olympics FeatureThanks for tuning in to Curious Conversations! We hope you enjoyed listening as much as we enjoyed creating it for you. Don't forget to stay connected with us on our website and Instagram for more exciting content. Also, make sure to hit that follow/subscribe button and leave us a rating to help us grow and reach more people like you.

On Episode 32, we tell you about secretive plans in Waterloo Region to expropriate farmland; we explain the new Supreme Court of Canada decision that says Charter rights may sometimes yield to Indigenous rights; and we explain why declaring an emergency for a solar eclipse in Niagara Region is not only misguided but unlawful.Stories and cases discussed in this week's episode:Wilmot Township farmers prepare to fight back after Region of Waterloo plans to expropriate landOpinion: Online Harms Act focuses on the wrong end of the problem'It's going to be crazy:' Niagara Falls mayor says city preparing for up to 1 million visitors for solar eclipseNiagara police begin public safety plans for million expected to view solar eclipseKitchener developer made offers on six Wilmot farms a month before the region Christine Van Geyn: A solar eclipse is not an emergency and declaring it one is unlawfulDickson v. Vuntut Gwitchin First Nation, 2024 SCC 10Joanna Baron: Supreme Court confirms that the Charter applies to Indigenous governments—except when it doesn't'Nonsense:' Ford slams lawsuits filed by Ontario school boards against social media platformsNot 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.

This week on rabble radio, we feature a segment from our most recent Off the Hill political panel. This month, our theme was ‘Off the Hill: How whiteness impacts federal policy.'  Our panel featured poet and activist El Jones; social responsibility and equity communications consultant Beisan Zubi; and assistant professor in the Faculty of Social Work, Fritz Pino. Co-hosted by Robin Browne and Libby Davies.  About our guests El Jones is a poet, author, journalist, professor and activist living in Halifax. She is the author of Abolitionist Intimacies (2022) and Live from the Afrikan Resistance! (2014). Beisan Zubi is a Canadian of Palestinian heritage who was born in Toronto, raised in Ottawa and has called Waterloo Region home for eight years. She works as a social responsibility and equity communications consultant with local nonprofits and recently founded a nonprofit that works to provide support and mentoring for Palestinian youth in Canada. Fritz Pino is an assistant professor in the Faculty of Social Work at the University of Regina. Her work focuses on queer and trans philosophies and theories; racialized LGBTQ immigrant communities; decolonial approaches to social work research; and more. Her work aims to create culturally-grounded interventions and approaches by centering the cultural knowledge and practices of marginalized groups and communities. If you like the show please consider subscribing on Apple Podcasts, Spotify, 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. 

In this interview, Carmin Di Fiore, Executive Vice President of CBRE's Debt and Structured Finance team, discusses the real estate company's latest Canadian Real Estate Lenders' Report. Di Fiore talks about how lenders are feeling about the market right now, what cities in Canada are seeing investment, what assets are attractive today, how the office market is still struggling and what to expect with the economy in 2024. PRESS RELEASE  Toronto, ON – November 27, 2023 – Lenders are signaling optimism in real estate as interest rate hikes appear to plateau. The amount of debt capital available to facilitate Canadian real estate transactions is expected to grow modestly in 2024. According to CBRE's new Canadian Real Estate Lenders' Report, lenders plan to add 16% of net new capital into the real estate market in the coming year, and 79% of lenders say they plan to expand their outstanding real estate loan books in 2024. Despite this focused growth in lending for real estate, for the first time in four years a small group of lenders have reported intentions to modestly trim their amount of capital available next year. Lenders unanimously see elevated interest rates as the top challenge facing the Canadian lending market in 2024. The impact of interest rates on property cash flows and pricing has created uncertainty around property valuations, which ranks as the second greatest challenge expected by lenders next year. Recession fears have faded and are currently not a top concern for lenders in 2024. Expectations appear to have shifted towards a “soft landing” for the economy, with only potentially moderate or minor impacts on underwriting. In fact, 12% of lenders do not plan to factor any recession into their property underwriting for 2024. It should also be noted that less than one-third of lenders expressed concern with real estate market fundamentals. CBRE's Canadian Real Estate Lenders' Report surveys domestic and foreign lenders to gauge commercial real estate lending sentiment and offers borrowers insights on what to expect as they look to access real estate financing. Toronto, Vancouver, Montreal, and Ottawa are the markets generating the strongest lender appetite. In terms of asset classes, Purpose-Built Rental (Conventional), Purpose-Built Rental (CMHC-Insured), and Industrial were cited as the most favourable property types for lenders and with the most available financing. “The challenging conditions in real estate are no longer news and the lending community is starting to look ahead to what comes next,” notes Carmin Di Fiore, Executive Vice President of CBRE's Debt and Structured Finance team. “The continual escalation in cost of capital, valuation uncertainty and tightening credit have impinged on the industry's performance and reduced real estate transactions. That said, the general tone in the market has improved slightly looking ahead to 2024.” Here are six additional takeaways from CBRE's new Lenders' survey: Office Sector Poses the Greatest Challenge Lender sentiment on office assets continues to deteriorate, as 67% intend to cut their exposures next year and none have plans to increase their budgets for office in 2024. Class B office in the suburbs and downtown core caused the greatest concern, with 94% of lenders expressing concern for each property type. Class A office assets also recorded the largest declines in lender sentiment year-over-year, in both the suburban and downtown segments. Through an open-ended survey question, more than half of the lenders cited work-from-home in some form as the greatest challenge facing the office lending market today. Uncertainty surrounding office valuations is another challenge given leasing demand and a lack of sale comparisons. Property Types with Most Lender Concern Office – Suburban, Class B Office – Core, Class B Retail – Regional Malls in Secondary Markets Purpose-Built Rental in Greatest Demand Purpose-built rental and industrial real estate remain the most desired asset classes among lenders, who have expressed strong intentions to increase budgets and expand exposures to both sectors in 2024. Amid incentives offered by the federal government and some provincial governments for purpose-built rental development, lenders hope for increased multifamily development in Toronto, Vancouver, Montreal and Halifax. Overall, lenders remain bullish on the industrial sector, with only a small minority expecting a market correction. But debt availability for industrial development is likely to be more nuanced next year as 55% of lenders reported low or no appetite to finance speculative industrial construction in 2024. Among the alternative real estate sectors, self-storage and seniors housing recorded the greatest interest, with over a third of respondents that lend to those sectors looking to increase their 2024 budgets. The hotels asset class recorded the biggest improvement in lender sentiment, marking the third consecutive year of improvement for the sector, with only 18% of lenders expressing concern. Property Types Most Favoured by Lenders Purpose-Built Rental (Conventional) Purpose-Built Rental (CMHC-Insured) Industrial Toronto and Vancouver Are Tops The top real estate markets for lender appetite remain Toronto, Vancouver, Montreal and Ottawa. Lender appetite for Hamilton and Waterloo Region increased, and Calgary also saw a notable improvement year-over-year in terms of the combined number of lenders with strong and moderate appetites for that market. While Saskatoon and Winnipeg have the lowest level of lender appetite, the majority of lenders still operate and offer liquidity in those markets in some capacity. Top Cities for Lending Toronto Vancouver Montreal Inflation Expected to Stay Sticky More than half of lenders (51%) expect inflation to return to its current target of 2.0% by H1 2025, ahead of the Bank of Canada's current projection for H2 2025. Lenders do not share a consensus on where the policy interest rate is expected to be by year-end 2024; 39% expect interest rate cuts of up to 75 bps from the current 5.00%. A small group of lenders project even steeper cuts, bringing the rate to 3.75% or lower by year-end 2024. In terms of bond yields, 57% of lenders expect the Canada 10-year bond yield to largely hold at around 4.00% over the next 12-months. Condo Financing Tightens The slowdown in the housing market is having implications on the residential condominium sector and 78% of lenders active in the space have tightened lending conditions on development financing. The most common adjustment by lenders continues to be requiring greater levels of up-front equity for condo construction projects. The next most common changes include 39% of active lenders requiring greater deposit requirements with shorter payment schedules and 22% requesting the sizes of projects be scaled back. Financed Emissions a Growing Consideration Environmental, Social and Governance (ESG) and its impacts on real estate lending in Canada continues to evolve, with 68% of lenders saying they expect a property's carbon footprint to materially impact its ability to secure a mortgage with competitive terms within the next 1 to 5 years; a further 11% of lenders report it is already happening and having an impact today. Half the lenders surveyed currently expect ESG to either significantly or moderately influence both debt availability and mortgage pricing; 23% of lenders have indicated they declined to bid on a real estate loan in 2023 due to the underlying asset's ESG profile. Given the expectation for ESG's greater influence over the availability of debt and mortgage pricing in the near future, 69% of lenders have already started incorporating, or plan to incorporate, ESG in their decision-making. Mario Toneguzzi is Managing Editor of Canada's Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list About Us Canada's Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast. With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders. The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada's Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story.

Meet Zack Brittain, a bachelor of commerce in economics and finance at 25 years old who went from zero experience and skills to a top producer in 3 years with 11 doors in his portfolio. In this episode we will discuss:How Zack started his career as a bank employee but found it unfulfilling, leading him to pursue a career change into real estate with his friend Matt.Zack's Business Approach. Zach and Matt believe in consistent effort and gradual growth, building their real estate portfolio brick by brick instead of taking big risks.How Zack's turning point came when he met Matt's mentor, who was expanding his successful real estate team. This prompted Zach to reconsider his career path and make the transition into real estate.Zack's first steps in real estate, despite lacking prior experience in property ownership and sales skills, Zach thrived working under an experienced agent, finding inspiration and valuable learning.About ZackAfter completing a bachelor of commerce in economics and finance at 25 years old I started in real estate with ZERO experience. I talked my way into my first job in the business as a junior associate to another realtor who was crushing it and never looked back. I went from zero experience and skills to a top producer in 3 years with 11 doors in my portfolio. Now, after 6 full years in the business we have built a small team to help our clients buy, renovate, manage, and sell real estate in Waterloo Region. I have a lot of fun working with clients to start and build their real estate portfolio here in my hometown! We believe in working through the process with our clients step by step to set them up for success long term. Our first-hand selling and investing experience helps our clients execute and take advantage of the team we have to support them. My long-term goal is to be a leader in my area and build incredible local businesses to provide honest service to our clients while working in a position where I can spend time with my family and clients to help them with whatever they need most!Connect with ZackInstagram - https://www.instagram.com/phippsbrittainrealestateFacebook - https://www.facebook.com/phippsbrittainrealestateConnect with Danielle ChiassonWebsite: https://strategicsuccessconsulting.comLinkedIn: https://www.linkedin.com/in/daniellechiasson/Facebook: https://www.facebook.com/DaniChiassonInstagram: https://www.instagram.com/letsgetrealTikTok: https://www.tiktok.com/@danichiassonBook in a call: https://calendly.com/strategicsuccess/lets-get-real-estate-20-min-chatListen in and subscribe for more.You can also leave us a review and of course, don't forget to share. I'm sure there are real people in your network who can take advantage of what they're going to learn from the show.Interested in becoming a guest on the show? Email admin@letsgetrealpodcast.com with the Subject: I want to be a guest! OR simply fill out: https://letsgetrealestatepodcast.com/be-a-guest/. 

Extreme trigger warning for graphic content, please exercise caution. In honor of Domestic Violence Awareness month, we continue our conversation with Colette Martin, a survivor of Intimate Partner Violence and advocate who has helped pass laws in New Brunswick, Canada where she lives. Colette explains what Bill 17 is and how it can help alert you if your potential partner has a history of violence and may be a threat. Colette also shares the further trauma she suffered at the hands of a physician who treated her life threatening injuries after the attack by her ex-boyfriend. You will not believe the rest of her story.#October #DomesticViolenceAwareness #IntimatePartnerViolence #Femicide #CoerciveControl #DisclosePastViolentBehavior #TreatVictimsWithRespect #UnprofessionalDoctors #DoctorsWhoHurt #Survivors #TrueCrime #Podcast #ExpertAnalysis #FBI #NewScotlandYard #CriminalBehaviorProfilersYou can learn more about Bill 17 the Disclosure to Protect Against Intimate Partner Violence Act here:https://www.cbc.ca/news/canada/new-brunswick/intimate-partner-violence-bill-law-1.6688783Learn more about “She Is Your Neighbor” awareness project and short documentary created by the Women's Crisis Service of Waterloo Region here:https://www.sheisyourneighbour.comFind out more about Australia's W.H.Y campaign (We Hear You) https://www.facebook.com/thewhycampaignteam/Follow us and continue the conversationOn Instagramhttps://www.instagram.com/realcrimeprofile/?hl=enOn Twitterhttps://twitter.com/realcrimeprofilOn Facebookhttps://www.facebook.com/realcrimeprofile/SUICIDE PREVENTION LIFELINE - CALL 988If you're thinking about suicide, are worried about a friend or loved one, or would like emotional support, the Lifeline network is available 24/7 across the United States.988 is now active across the United States. This new, shorter phone number will make it easier for people to remember and access mental health crisis services. (Please note, the previous 1-800-273-TALK (8255) number will continue to function indefinitely.)>>>>>>>>> SUPPORT OUR OTHER SHOWS

EXTREME TRIGGER WARNING. Today we interview Colette Martin who takes us through the harrowing night she was attacked by her former intimate partner, months after he had moved out from the home they shared, months after he had already started a new relationship with another woman. Colette, a mom with a young son, living in the New Brunswick region of Canada, didn't know how to recognize the red flags in her ex-boyfriend and had no way of knowing he was a ticking time bomb who was planning to murder her, in front of her child, in plain sight of her parents' house who lived next door. Laura illuminates all of the warning signs of coercive control that he displayed. Amazingly, Colette survived and has gone on to help other vulnerable women and change laws in Canada.Colette is part of the “She Is Your Neighbor” awareness project and short documentary created by the Women's Crisis Service of Waterloo Region. You can hear more amazing stories of strength here:https://www.sheisyourneighbour.comYou can read about the legislation Colette helped pass here:https://www.cbc.ca/news/canada/new-brunswick/intimate-partner-violence-bill-law-1.6688783#Survivor #Victim #Shero #CoerciveControl #IntimatePartnerViolence #DomesticAbuse #realcrimeprofile #TrueCrime #podcast #ExpertAnalysis #FBI #NewScotlandYard #CriminalBehavior #BehaviorAnalysis Follow us and continue the conversationOn Instagramhttps://www.instagram.com/realcrimeprofile/?hl=enOn Twitterhttps://twitter.com/realcrimeprofilOn Facebookhttps://www.facebook.com/realcrimeprofile/SUICIDE PREVENTION LIFELINE - CALL 988If you're thinking about suicide, are worried about a friend or loved one, or would like emotional support, the Lifeline network is available 24/7 across the United States.988 is now active across the United States. This new, shorter phone number will make it easier for people to remember and access mental health crisis services. (Please note, the previous 1-800-273-TALK (8255) number will continue to function indefinitely.)>>>>>>>>> SUPPORT OUR OTHER SHOWS

On Episode 7 of Not Reserving Judgment, we discuss Waterloo Region's plan to ticket people for saying mean words, we walk you through what happened at last week's Million March for Children protests and counter-protests, and we update you on the latest in the college of physicians' disciplinary proceedings against lockdown and vaccine critic Dr. Kulvinder Kaur.Stories and cases discussed in this week's episode:CPSO drops disciplinary proceedings against Ontario physician for opposing harmful Covid policies (Democracy Fund) New anti-hate street harassment bylaw in Waterloo Region counters hate and racism (Waterloo Region Record)The Complexities of Protest and Intolerance: Unraveling the 1 Million March 4 Children (Crier Media)CCF appealing result in legal challenge to BC vaccine passports (CCF)Rumble rejects MP's 'disturbing' letter over Russell Brand income (BBC)Caryma S'ad's tweets (@CarymaRules on X)Not 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.

This weeks guest is Denis Hernandez who joins us for an in person interview. Originally born in Woodstock, Ontario, Denis is of El Salvadorian background where cooking, eating and sharing food plays a prominent role in life. Denis's mother and aunts are a big influence on his passion for the industry. Denis has been in the culinary filed for the past 16 years. Denis started his journey in the Industry when he attended the Niagara Culinary Institute after high school. It was during that time that Denis began his apprenticeship at Peller Estates at Niagara On The Lake which really opened up his mind to the creativity of the kitchen. Over the last decade, Denis has moved around Ontario and has had the opportunity of working with some of the most talented chefs in the province. In Denis's career he has been the recipient of many accolades and rewards and has given his time and effort back to the community. Some of these include becoming Feast On Certified; Canadian Chef at the Stratford Chef School; Awarded Top Dishes in Waterloo Region; Les Marmitons Guest Chef; Canadian Mental Health Association Guest Chef; Carizon Guest Chef. Denis is currently operating his own food and catering business H86. You can find more information on Instagram @h86.co or try his food out at the Argyle Arms in Cambridge. Links @h86.co @denis_hernandez86 @sugarrunbar @babylonsistersbar @argyle_arms_2023 @the_industry_podcast email us:  info@theindustrypodcast.club Podcast Artwork by Zak Hannah zakhannah.co

Join us on this week's episode of the podcast as we welcome our special guest, Naher Tewelde. Naher is the Youth Connector for the Children and Youth Planning Table of Waterloo Region, and she has some incredible insights to share about the Youth Impact Survey.In this engaging conversation, Naher discusses the importance of understanding and addressing the needs of youth in our community. She highlights the significance of the Youth Impact Survey as a tool for gathering valuable data and insights to inform decision-making and resource allocation.If you want to make a difference and contribute to shaping a better future for youth, we encourage you to participate in the Youth Impact Survey. Simply visit www.youthimpactsurvey.ca to take the survey and have your voice heard.Enjoy Listening! The Immigrant View is brought to you by Immigrantnetworks.com. Visit immigrantnetworks.com

Promised pandemic relief turns into a funding nightmare for Canadian women's shelters. Host, Alex Pierson speaks with Jennifer Hutton, CEO of Women's Crisis Services of Waterloo Region about women's shelters facing a devastating blow to their essential services, leaving many wondering how they will continue to provide lifesaving support to those in need. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Ontario Superior Court of Justice's new ruling denied the Regional Municipality of Waterloo's request to remove a homeless encampment on the basis it would violate residents' Charter rights. Steve Paikin talks to social justice lawyer and co-director of the Community Justice Collective Sima Atri about what implications this ruling might have across the province.See omnystudio.com/listener for privacy information.

On today's After 9 Podcast: A listener has a question about interest rates. Yet another Trudeau cabinet minister violated the ethics rules. Trudeau will still not fund hospitals properly. Pearson Airport has new tools to try and make next week go smoothly. Waterloo Region has a brilliant idea for a homeless encampment. Bad weather is on the way for tomorrow. Skate Canada changes the rules for domestic competition, allowing same-sex pairs. The most common holiday injuries. Learn more about your ad choices. Visit megaphone.fm/adchoices

How well did municipalities and the provincial government work together through the pandemic? Karen Redman, regional chair of the Waterloo Region; Colin Best, a Milton regional councillor; and Innisfil Mayor Lynn Dollin discuss the way local governments collaborate with the province and how much say they will have in the future.See omnystudio.com/listener for privacy information.

"I think I would tell my younger self to not be afraid to commit to wanting better for yourself. I think especially as women, we are encouraged to fit roles and that often means pausing what we want or what we want to do to support others; to be there for others; to push others up. And as much as that's important, I think that I would definitely tell my younger self to try to take a chance at a better life - a better future - for me because it's scary but you meet a lot of really cool people doing it who are doing good things and want to be there for you, too." Today's episode features Part 2 of Olivia's story! Olivia Miller is an 20 year-old advocate from Waterloo Region, Ontario, Canada. She is currently completing a double major in Peace and Conflict and Social Development Studies with a minor in Political Science at the University of Waterloo. Olivia is the co-founder and director of the Bridges of Hope Project and Community Ambassador for the Umbrella Project. She is a contributor with several community and national initiatives, including The Activist Collab, The Wilmot Post and more. Bridges of Hope is a platform by youth for promoting mental health awareness by execution of local events and social media campaigns. Olivia uses this platform to speak at community events and schools, sharing her personal struggles with mental health and conflicts. Olivia has been open about her journey with mental illness as a young adult. She has discovered through her experiences how important it is to take care of yourself and seek help when you need it, after struggling to graduate high school and suffering harsh anxious episodes. She is passionate about sharing her message with others so they know they are never alone. IG: @selftalkwithliv The YANApodcast: Instagram: @the_yanapodcast Website: www.theyanapodcast.com New episodes every Tuesday! NAMI PHILLY: Instagram: @NAMIPhiladelphia or @namiphillyyouth Website: www.namiphilly.org NAMI Philadelphia Warmline: 844.PHL.HOPE CRISIS RESOURCES: National Suicide Prevention Lifeline (800) 273-TALK (8255) Crisis Text Line: Text “NAMI” to 741-741 Philadelphia Suicide and Crisis Intervention Hotline (215) 686-4420 National Eating Disorder Association (NEDA) Help Line (CALL OR TEXT): (800) 931-2237 SAMHSA (Substance Abuse and Mental Health Services Administration): (800) 662-HELP (4357) to get connected to help for substance use disorders. The Trevor Project (Suicide/Crisis Support for LGBTQ+ Youth): (866) 488-7386, Text “Start” to 678-678 --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/yanapodcast/support

Olivia Miller is an 20 year-old advocate from Waterloo Region, Ontario, Canada. She is currently completing a double major in Peace and Conflict and Social Development Studies with a minor in Political Science at the University of Waterloo. Olivia is the co-founder and director of the Bridges of Hope Project and Community Ambassador for the Umbrella Project. She is a contributor with several community and national initiatives, including The Activist Collab, The Wilmot Post and more. Bridges of Hope is a platform by youth for promoting mental health awareness by execution of local events and social media campaigns. Olivia uses this platform to speak at community events and schools, sharing her personal struggles with mental health and conflicts. Olivia has been open about her journey with mental illness as a young adult. She has discovered through her experiences how important it is to take care of yourself and seek help when you need it, after struggling to graduate high school and suffering harsh anxious episodes. She is passionate about sharing her message with others so they know they are never alone. IG: @selftalkwithliv The YANApodcast: Instagram: @the_yanapodcast Website: www.theyanapodcast.com New episodes every Tuesday! NAMI PHILLY: Instagram: @NAMIPhiladelphia or @namiphillyyouth Website: www.namiphilly.org NAMI Philadelphia Warmline: 844.PHL.HOPE CRISIS RESOURCES: National Suicide Prevention Lifeline (800) 273-TALK (8255) Crisis Text Line: Text “NAMI” to 741-741 Philadelphia Suicide and Crisis Intervention Hotline (215) 686-4420 National Eating Disorder Association (NEDA) Help Line (CALL OR TEXT): (800) 931-2237 SAMHSA (Substance Abuse and Mental Health Services Administration): (800) 662-HELP (4357) to get connected to help for substance use disorders. The Trevor Project (Suicide/Crisis Support for LGBTQ+ Youth): (866) 488-7386, Text “Start” to 678-678 --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/yanapodcast/support

Are you feeling stuck in your life or business? Do you feel like you're just going through the motions, day after day, with no real sense of purpose or direction?If so, it's time to disrupt the status quo and create a vision that will change everything.Today, our guests on Trail Angels powered by Cairn there Load are Brine & Tonya Hamilton. They are going to share with us how creating a vision changes everything. How life will teach you humility and why humility leads to change.   Brine and Tonya live, work and podcast from Ontario, Canada. In addition to being the hosts of the Disrupt The Everyday Podcast, Brine and Tonya Hamilton are husband and wife and parents to four children ages 4-12 and their mini golden doodle, Samson. Brine has spent over 15 years in the security industry, focusing primarily on the healthcare vertical in roles ranging from frontline security to a number of leadership positions. Currently, Brine is a System Engineer with Omnigo Software and faculty at Fleming College and Seneca College and serving on the Board of Directors as President-Elect with the International Association for Healthcare Security and Safety.Tonya spent 12 years working in the social workspace, with her first opportunity working in a shelter for abused women and children. From there, Tonya went on to work at the Children's Aid Society of York Region, Family and Children's Services of Waterloo Region, and facilitated sessions for the John Howard Society of Waterloo Region. Currently, she is a home daycare provider and owner of Raising Our Gifts. So whether you're feeling stuck in your career, your relationship, or just life in general, this episode is for you. Tune in now, learn how to disrupt the status quo, and create a vision that will change everything.

Are you feeling stuck in your life or business? Do you feel like you're just going through the motions, day after day, with no real sense of purpose or direction?If so, it's time to disrupt the status quo and create a vision that will change everything.Today, our guests on Trail Angels powered by Cairn there Load are Brine & Tonya Hamilton. They are going to share with us how creating a vision changes everything. How life will teach you humility and why humility leads to change.   Brine and Tonya live, work and podcast from Ontario, Canada. In addition to being the hosts of the Disrupt The Everyday Podcast, Brine and Tonya Hamilton are husband and wife and parents to four children ages 4-12 and their mini golden doodle, Samson. Brine has spent over 15 years in the security industry, focusing primarily on the healthcare vertical in roles ranging from frontline security to a number of leadership positions. Currently, Brine is a System Engineer with Omnigo Software and faculty at Fleming College and Seneca College and serving on the Board of Directors as President-Elect with the International Association for Healthcare Security and Safety.Tonya spent 12 years working in the social workspace, with her first opportunity working in a shelter for abused women and children. From there, Tonya went on to work at the Children's Aid Society of York Region, Family and Children's Services of Waterloo Region, and facilitated sessions for the John Howard Society of Waterloo Region. Currently, she is a home daycare provider and owner of Raising Our Gifts. So whether you're feeling stuck in your career, your relationship, or just life in general, this episode is for you. Tune in now, learn how to disrupt the status quo, and create a vision that will change everything.

Rosa Lupo is a partner in the Corporate Commercial Group based in Gowling WLG's Waterloo Region office. With nearly two decades of experience, Rosa practises in all areas of Corporate Commercial Law with an emphasis on Mergers and Acquisitions, Debt and Equity Financings, Licensing and Distribution Agreements, and Real Estate. As a member of the firm's Real Estate Group, Rosa has experience in the area of Real Estate law. She has assisted her clients with respect to the development, leasing, purchase and sale of commercial and multi-residential Real Estate projects.   In this episode we talked about:   * Rosa`s Bio & Background * The Legal Profession * Top 5 Issues facing Landlords and Tenants in Leasing * Subleasing vs Assignments  * Agreements to Agree * Diversity in Real Estate * Recommendations to younger people coming into the Commercial Real Estate Space * Trends and Opportunities Outlook Useful links: rosa.lupo@gowlingwlg.com https://gowlingwlg.com/en/ Transcriptions: Jesse (0s): Welcome to the working capital real estate podcast. My name is Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Ladies and gentlemen, my name's Jessica galley, and you're listening to working capital the real estate podcast. My special guest today is Rosa Lupo. Rosa is a partner in the corporate commercial group at gala links with nearly two decades of experience Rosa practices in all areas of corporate commercial law with an emphasis on mergers and acquisitions, debt and equity financing.   Rosa is also a member of the real estate group at gatherings. She has experienced in the area of real estate law. She has assisted her clients with respect to the development, leasing purchase and sale of all commercial and multi residential real estate projects. Rosa, how are you?   Rosa (55s): I'm good. How are you doing? Just,   Jesse (57s): Just happy I got through that. Unscaved your day is your day is going to go in. Well, we've got a, a unusually warm weather today in, in March, early March in Toronto.   Rosa (1m 10s): Yeah, it's pretty warm here today too, which I'm a little bit annoyed at, to be honest with you because it didn't start out warm, which is when I wanted it warm to get outside before my day started. And now that I'm stuck inside working, it's warm. So   Jesse (1m 24s): Yeah, you can have the spring   Rosa (1m 25s): In Canada,   Jesse (1m 26s): A hundred percent, a hundred percent. Well, thanks so much for coming on. Rosa. Really think that listeners will get a, a lot of good information and value in this episode. I, you know, we we'd like to have on the podcast real estate expert in experts, in different areas of real estate, whether that's accounting, legal property management. And I think with your background from a legal perspective, it would be great to have this conversation today kind of revolve around aspects of leasing when it comes to commercial properties, as well as talk a little bit about development and you know, how contracts are structured.   And basically, you know what we're thinking, the outlook looks like for real estate transactions in the near to midterm. So we're going to ask for a bit of a crystal ball there. So before we get started for those that, you know, aren't familiar with yourself, maybe you could give a little bit of a background as to how you got into the, the wild west of real estate and real estate law.   Rosa (2m 24s): Sure. That'd be great. So I have been at gasoline now for over 20 years. I'm what we call a lifer at Galileans I articled at Galileans and then returned as a first-year associate, became a partner in 2008 and am now ahead of our business law department in the Waterloo office and also our Waterloo lead on and our real estate NPG. So, and NPG is national practice group. I should probably clarify that. So, so I've been here and I've been in the region.   I grew up in wealth and I've been in the, my whole life. And as far as how I started in law, you know, lots of people give great stories about, I wanted to help people and I wanted to make a difference in the world. And I liked LA law in my teens and I, I got really hooked on that show and I thought, man, that is something I could do. And I've probably dated myself now as well saying that I watched LA law in my teens because you may not even know what show that is.   Jesse (3m 31s): Yeah. I'm, I'm aware of LA law, but some listeners might not   Rosa (3m 34s): Good. Good. So, so I watched that show of religiously and, and enjoyed the energy and, and, and I've always liked to argue and I've always liked to make a point and I've always been a person of great equilibrium. So I can always see the other side, which is a real strength in, in being a lawyer. And so I went to a business school in my undergraduate. I did an honors commerce because I wanted something real to fall back on.   And I did that. And then I took two years and I worked for two years at an advertising agency, which has nothing to do with the law. It's the wild west of business. And I did that in Toronto for a couple of years and then went to law school and also did my MBA at the same time. So I did both programs in three years instead of in four, and then came to Kitchener, Waterloo, looking for a job to article and landed at Gowling WLG.   And it had been there ever since.   Jesse (4m 41s): So for those that don't know, it's one of our largest law firms in, I think probably one largest in Canada for, for the U S listeners, trying to kind of understand, you know, the scope of the scope of the company in terms of, you know, how you came up through the legal profession. Was it something that you jumped into real estate off the hop, or did you start in, in different areas of commercial law and then move into real estate?   Rosa (5m 6s): So that's an interesting question because I didn't, I started off in the corporate commercial department. I actually went to law school thinking that I wanted to do labor and employment law. And because that's what I focused in, in my undergrad and on my honors commerce. And I thought that's what I wanted to do. And I did do it for two years and hated it. So, so didn't stay in that area and got back into corporate commercial and really had an aptitude for the real estate piece of it.   I could just, for me, it was something that made sense. You know, dirt always makes sense. We, we don't, we don't, it's not sexy calling that a, you do dirt law. It's not as sexy as saying I'm an M and a or securities lawyer, but the reality is, is that it hits every area of law. So every M and a deal that happens, somebody is either only property leasing property, every securities transaction that happens. Some entity within that corporate structure has an interest in land, either as a tenant, a landlord or an owner.   And so it actually permeates pretty much every area of law. And I just felt like I had a real aptitude towards that and it, and I kind of fell into it again, I'd love to say I had this big master plan, but I really didn't. It was a need at the office at the time when I was coming through as an associate, I really enjoyed it. And I remained there.   Jesse (6m 35s): That makes sense. So a little bit of a career pivot there. I feel like the labor, the labor lawyers are pretty active over the last two years.   Rosa (6m 42s): Yeah. I'm glad I'm not in it. Over the last two years, it has been head spinning over the last few years, for sure. The amount of changes that have come through and the amount of clients that are looking to our labor and employment group at gasoline for answers, because we, you know, everything's changing on a daily basis, what is the new law? And what's going on? And new legislation was being passed and new rules and new terms of engagement with employees and our labor and employment group has been extremely busy over the last two years.   And their head is spinning. I'm sure at this point with the latest amount of changes with COVID. And so it's an area I'm glad in right now, especially, but it has been very busy.   Jesse (7m 26s): So speaking of head spinning, we thought we'd kick this off with a little bit of a conversation about landlords and tenants and kind of the relationship between those two stakeholders. I think a lot of, a lot of our listeners are investors. And a lot of times we get caught up in the acquisition of deals and, and analyzing it from, you know, the vendor and the purchaser's point of view, but really the nuts and bolts of our industry is, is lease or lease agreements is the relationship between those stakeholders.   So you mentioned that what would be, be able to give us a framework here was top five issues facing landlords and tenants to kind of give us a little bit of a way to navigate this. So maybe I'll turn it to you. Well, first of all, you know, when you analyze or you're working with clients from a leasing perspective, you know, what are those things that you're looking out for, you know, off the hop and you know, whether you're representing the tenant or the landlord?   Rosa (8m 27s): Yeah. The interesting piece about that is that the issues are actually pretty much the top five on both sides. It's just that they, they see it in a very different way. So the reality is that the issue itself of what the two sides are facing is the same. And it's the areas that are the highly negotiated areas of a lease. And every commercial lease that we do, and the biggest one is always maintenance and repairs. And so when it comes to maintenance and repairs, the there's two questions you have to ask.   And that's the other thing that people forget to ask it's, who's doing it. And then who's paying forward because we're not always the same person and in a commercial lease, there's all sorts of things to be concerned about. So the landlord wants to make sure that base rent is, is complete profit, right? That repairs and maintenance, all of it is covered from the tenants perspective. They want to make sure that they're not getting charged to make the landlord's building pretty for the next tenant.   And, and there are things that drive that. So in, in most instances, if the tenant is a smaller tenant of a larger building, then they'll just pay their proportionate share. And they don't really have a lot of concerns. They wouldn't be doing the repairs and the maintenance, it would be the landlord doing it and passing it on in people call it off costs, you know, operating costs, people call it a cam. It's all the same thing at the end of the day. It's everything that's in addition to base rent. And so if you're a smaller tenant in a larger building, not as much concerned about it, because you know, really what the landlord's doing is maintaining the building in a reasonable manner.   And you're going to get your proportionate share where it becomes really interesting and contentious is if you're the sole tenant. So if you're the sole tenant in an industrial building, or you're the sole tenant in a distribution center, well, that becomes interesting because now there's the risk. If you're the tenant that the landlord doesn't maybe repair and maintain throughout the term and chooses to do a lot of repairs and maintenance and upgrades at the end of the term, if you're not renewing, because they would maybe want a shiny new, better building to show to prospective tenants.   And if you're not careful in the lease to deal with things like capital costs, then you could be on the hook as the tenant. And the last couple of years of your lease with these huge expenditures for repairs and maintenance, and you don't get the benefit of those. And so it's finding that balance where the landlord wants to maintain their building. They don't want the tenant to tell them when to do things because they own it, but the tenant has some risk in that and some skin in the game because they're occupying and it's finding that balance to maintain it in a prudent manner, but not to overly burdened the tenant with costs that they don't get the benefits of.   And so it is a highly negotiated term.   Jesse (11m 29s): So on that kind of demarcation between capital expenditures, which, which would not be downloaded to the tenants as opposed to a cost that that would be normal maintenance. So in, in your additional rent figure, so for instance, a landlord does a new roof say there's an office building with three tenants. It would be that, that you're saying depending on how the lease is negotiated, that you want to be careful about. If that is, if the expectation is that that's going to be downloaded to the tenants proportionately, or if it's going to be something that the landlord is going to take on, on his or her own.   Rosa (12m 6s): Right. Exactly. And, and again, it's who does it, and then who pays for it? So the landlord is probably going to repair the roof. It's not going to be up to the tenant to do it, but then how are they expensing it and how are they charging the tenants for it is the question. So if it's just a repair and the roof is exactly the same, that means that it gets expensed in the year in which you incur it. And all of those costs go to that tenant. If they're in the last year of their lease, they're not going to want to pay for a brand new lead group that they don't get the benefit of for the rest of the term.   Jesse (12m 38s): Yeah. I was just laughing there because it just reminded me of first year in accounting where they're like, is it a repair or replacement? Well, what if it's this piece? And then this piece, and then this piece, and you've got to kind of take a holistic look at what exactly is being done. Okay. So that would be kind of off the, you know, from the outset maintenance and repair, that's definitely one, we come across all the time and it is something that, that the lawyers, you know, like yourself, they go back and forth on what would, what would be the next one,   Rosa (13m 5s): Th the next one's the assignment, Elise. And again, both parties are equally interested in what's happening. So from the landlord's perspective, as you're aware, when you get a tenant, there's a lot of work that the landlord puts in to getting this tenant, right. They might have expended costs on leasehold improvements. They might've financed the leasehold improvements for the tenant. They've, pre-qualified that tenant and probably reviewed financial statements and historical statements to make sure that they can carry the lease because they don't want to tenants that can't carry the costs.   So they've put a lot of energy and time and costs up front for this particular tenant. So they are very lows to have that tenant, then just assign it to somebody else who they don't know at the same time on the, from the tenants perspective. Again, it's all a balancing act, but from the tenants perspective, they're running a business. And if they sell all of their assets, they don't want the landlord to be able to say, no, you can't sell your business.   Or if they are a large multi-national tenant that has a parent in the U S and they have Canadian operations, the us, parent's not going to want a local landlord to tell them that they can't do a reorganization within their corporate structure, or if they are a business and they're selling their shares because they have an exit strategy. So they're going to sell their shares. Well, that's a change control, and that's usually captured in a lease to say, you can't do that again, because the landlord has spent all this time to pre-qualify its tenant.   And so it's a balancing act there to kind of reach the right balance where the tenant is not bootstrapped and can do things in their business and not have to be reliant on a landlord and individual landlord at one particular premise consenting or not consenting. But at the same time, recognizing that the landlord has an interest in who has who the tenant is and what they're doing and what their finances are. So the tenant cannot have carte blanche either to do whatever it wants.   So,   Jesse (15m 13s): Yeah, go ahead.   Rosa (15m 14s): No, I was gonna say, so you gotta, you gotta meet a middle ground there.   Jesse (15m 18s): Yeah. I was just going to say one thing we found that was a recurring theme over, especially over the last five to 10 years, is that now that there have been more technology companies, startups in Toronto, a lot of these companies, they don't have a time horizon of 5, 10, 15 years was trying to get past the next month. And often times we, we kept running into the same problem, usually under the transfers section of the lease saying, well, wait a minute, like, we're our whole goal here is to sell in five years. So this idea of, and of having them, you know, be able to do so now, is it correct to say that the, the, the quid pro quo for that, or, or the, the compromise for that is potentially staying on covenant or the, or the landlord being the one to determine at their discretion?   If the transfer E I think is, is acceptable to them as a, as a tenant.   Rosa (16m 8s): So what we try to do is rather than giving just a cart launch like that, to say that they have to be satisfied with the transferee, for the landlord to say, yay or nay, or yes or no, or stand in the way of this deal. We try to put some parameters around it if we're acting for a tenant. So what we say upfront is if the purchaser is actually an entity that has at least the same value as the existing tenant. So the landlord has the right to find out how much value and how much equity and what the financial statements look like of the purchaser.   But if they are as strong, a covenant or greater than the current tenant, you will consent. And so we have that upfront because the other risk from the tenants perspective, although most landlords are not like this, but if you're in year three of a lease and you've negotiated a really good market rent three years ago, and rents have gone up extraordinarily, and there's high demand, landlords could use the request for consent as a reason to get out of the lease and realist the property to somebody else.   And that could actually scupper the tenants deal. If that's a key location for them, if the purchaser needs that location that could scupper their deal. So the reality is that the tenant has some skin in the game and doesn't want to lose that. And so that's why we try to get some parameters upfront to say, this is reasonable, this isn't. And so you can't say no. In these instances,   Jesse (17m 42s): I remember when I first got into the industry, when somebody explained that portion of it, you know, going to the landlord saying, we want to sublease, or we want to assign, and then they said, okay, you said, you said you wanted to, and then now they have all, all different rights. You know, it always reminded me kind of like kids on the playground say, no, no, no, I was joking. Don't, you know?   Rosa (18m 2s): Yeah. And you're talking about the provision that actually says, if you come to for consent, they can terminate. And then, and then the tenant gets to say, no, no, forget it. I don't want that. I don't want to assign it yet. You know? And the, and the problem is is that if you just asked for a sublease or an assignment, because you didn't want to be there anymore, you might have the option to say, forget it. I don't want to assign it. But if you're actually like a tech startup, and you're about to sell for a hundred million dollars, are you really gonna like, kill your a hundred million dollar deal? Because a world landlord at one location, you're not like this, it's not feasible to say I'll revoke my request, but you could lose those premises for that rent.   Jesse (18m 40s): No, that, that makes sense. Okay. So that's a assignments. And maybe even before we move to number three, it's something that comes up. I find with younger people, especially on the brokerage and when they get into the industry, there's always a confusion as to what we're talking about in assignments and, and the distinction between that and subleasing or sublets. Could you just touch on, you know, the broadly the difference between the two?   Rosa (19m 5s): Yeah. So a sublet is I'm company. A and I occupy these thousand square feet. And now I want actually company B to occupy either a portion or all of the thousands of square feet instead of me. And that's really a sublet and the landlord absolutely should have the right to consent to a sublet because the reality is, is that they've got new people on the premises. They want to check what kind of business they're running for insurance purposes. Again, they want to know what's happening for rent and to make sure they have enough money to pay the rent.   The difference on a sublet is that company B has no direct relationship with the landlord. Their only relationship is with company aid was the tenant. So company automatically remains on the covenant. As you said earlier, just they remain on the covenant. They are the ones with the lease with the landlord that have the obligations for the rent company, B has an obligation to company eight only not to the landlord directly. The difference on an assignment is that company a, maybe wants to leave the premises and actually have company B come in and to occupy the whole thing.   And they're going to assign the lease. And that actually means that then company B has a direct relationship with the landlord. The other thing that I think most people miss is that in most leases an assignment, although at law, this is not an assignment, but they include language that says, if you change control and you sell your business. So if you sell the shares at company eight, we're going to say that's an assignment. And that legally is not an assignment. That's actually just the change of control.   And you can do that without assigning, But most leases by contract scoop that in.   Jesse (20m 53s): Yeah. It kind of reminds me of, I was just reading a, kind of a bankruptcy ruling and talking about how prepaid rent a, you know, security deposits and prepaid rent. You have to be very clear, which ones are the tenants and which ones are the landlord where oftentimes, like you said, at law, people write in, no, no, no. It was a security deposit. You know how I know I wrote security deposit and it's like, well, that's not, you know, you have to be really clear in these, in these things. And it's why we have, you know, people like you actually looking at these documents before we have our clients sign. Okay. So,   Rosa (21m 22s): Well, it is funny because I would say that in most instances, it's funny leases are probably one of the least reviewed material contracts that a company will enter into. And I think it's because they talk about it in terms of the $12 a square foot. And you're like, wow, it's $12, right. But if you actually take the $12, $24, depending on what you're leasing, but if you actually take that and multiply it by the square feet and then multiply it by the five-year term, it's probably the biggest contract that company will ever sign.   And they will often not have it reviewed by lawyers because it looks like $12, but it's not.   Jesse (22m 3s): Yeah, that's a really good point. I've never thought it thought about it that way. Cause it really is. If you take a look at the consideration, you know, and then if you really start putting in, you know, the likelihood of renewing options, these, these contracts are, can get very expensive very quickly, even for small space,   Rosa (22m 18s): Right?   Jesse (22m 19s): So assignment and subleases maintenance and repairs, number one, assignments and subleases or assignments number two, what, what it takes to the third spot.   Rosa (22m 28s): Well, the other, the third one, for sure. It's funny. Cause we just talked about that as damage and destruction. So again, in most contracts, you're not worried about fire and water damage and floods and all of those occurrences, you don't deal with that. But because a lease is a dealing with physical premises and B over a term, as you say, it's, you know, your typical terms five years plus a five-year renewal, lots of leases are much longer than that, even. So over that time, you gotta think things can go bad, right?   So something's going to happen. And so the damage and destruction is a key provision. And so from the landlord's perspective, if they have a building that is occupied by many tenants, they do not want you to touch that section when you come to negotiating the lease because they don't want to have to rebuild for this tenant, but not rebuild for that tenant. And it has to be the same across the building, because if there's a fire, pretty much everybody in the building is going to be affected in one way or another.   Or if there's a flood, pretty much everybody's going to be affected. So they don't want to have different obligations for different tenants. So if you are a small tenant in a larger building, you're pretty much not going to be able to negotiate that section, then what you do to cover because you go to your insurer and make sure they have business interruption insurance for as long as what's in your lease that says, you're going to give the landlord this long to rebuild because you won't have those premises, but you will still have the obligation under the lease to continue to pay rent and to go back when it is rebuilt.   So you got to make sure that you have insurance coverage for your rental amount.   Jesse (24m 8s): It   Rosa (24m 8s): Changes, oh, sorry.   Jesse (24m 9s): Just a quick question on that. So would that be kind of the umbrella, be careful to say the word umbrella regarding insurance, but we, for a long time in Toronto, $2 million liability insurance was our recommendation to tenants. Now I think table stakes are 5 million for the most part that would cover the, this type of interruption that you're describing.   Rosa (24m 28s): Yeah. So business interruption insurance is usually different than your liability, which is what you're talking about, which is like slip and falls and things happening. I think it might be covered under the actual general liability, but it is its own its own a line item. And you, you have to read the fine lines because you have to figure out how long are you covered for and how many months of rent in case there is damage.   Jesse (24m 52s): Got it.   Rosa (24m 53s): Yeah. And so if you are though the sole tenant in a building in a, in a distribution center again or in an industrial law and you're the sole tenant, well now you might have some more negotiating power to, to actually do something that's bespoke between you and the landlord. And in that instance, it's very important for us tenants that the landlord is obligated to rebuild, especially if this is your sole premises and you can't move to anything else. So you want to make sure that there is very good language for you to say that the landlord real will rebuild the building.   So you have somewhere to go. You may, you you'll have to find swing space at some sport at some point and find somewhere to be in the meantime, but you want to be able to go back if it's your sole place. And so in that instance, the tenant might have more negotiating ability to actually have some damage and destruction provision that works for them.   Jesse (25m 49s): Okay. And that is not a bar in Toronto swing spaces. Other space you utilize at the time.   Rosa (25m 55s): Yes. Well not a bar.   Jesse (25m 58s): Okay.   Rosa (25m 59s): Yeah, for sure.   Jesse (26m 1s): So, okay. So that, that makes sense. And so what would be next? Rosa? What do we, what do we have for number four?   Rosa (26m 8s): I think environmental and you know, and I'm, I'm clearly this is not an office building, right? Cause that, that generally doesn't have a lot of risks. But when you start talking about distribution centers or you started talking about industrial environmental is a big deal and it is a heavily negotiated provision. And, and what the landlord wants from their perspective is they may not be at that building on daily basis, right. You're running your operations, but they're an owner. So they have some risks.   Vis-a-vis the Moe, if there's contamination. So they want to be made whole, they want to know that you as tenant are going to clean up whatever shows up on that property or look after it. The flip side to that from the tennis perspective is there's all sorts of reasons. There could be contamination there and it may not be at their fault. So there may be preexisting examined a contamination on the premises. It may have migrated from adjoining lands. And so they want to make sure that they don't have an obligation to actually clean up, unless it's something they did against what the rules are and how they run their business.   So if they're doing everything they need to versus the Moe and handling their hazardous materials correctly, in accordance with guidelines, they don't want to be on the hook for something that migrated from an adjoining property owner or from something that pre-existed, and the way you get there on the preexisting is if it's an industrial or a distribution center as a tenant, you should do an environmental test. You should do a phase one or phase two before you commenced. So you have a bright line test of what did preexist and what you caused post, because if it's discovered that there's gas under underground and that's at year three of your lease, how do you know from when it was there?   And so you need that bright line test and, and then you usually try to carve out anything in the lease that migrates from adjoining lands that you didn't actually, cause if you caused it, you're on book and you've got accept that liability as tenant. And I don't mean you in the instance of just the tenant, it's anybody they're responsible for their invitees. If somebody comes on, that's delivering stuff and spills, that's still the tenant's fault. So that's okay. What you're trying to alleviate as all these other liability issues.   Jesse (28m 32s): I would say this is an interesting one in the sense that when I'm typically drafting offers to lease or letters of intent, there's some clearly there's key points. There's term there's rent. Environmental is probably the one I find that is not translated from often, oftentimes not even there in the offer to lease that is expounded on and debated much more in the, in the lease stage. And that, I mean, part of that is probably the fact that, you know, we're not the subject matter experts on that, but it's a good point because, you know, I'm sure there are certain states have their provisions.   I'm not a hundred percent sure on different provinces, but USTs are underground storage tanks. For instance, there, you know, we have by law, you have to take those out of the ground. If, if you find them, would this be a, also an example though, of how business terms can kind of crowd out legal, legal recommendations in the sense that in a hot market, I could only imagine like industrial right now where you have Mr. Landlord is, is the request of the tenant is to do this phase phase one or phase two, but he or she has multiple other tenants and maybe he doesn't want to go down that, that kind of rabbit hole for lack of a better.   Rosa (29m 42s): Yeah, for sure. And it's interesting you say that because I think all of my top five are not covered in the offer abilities. Right. For sure. And, and, and it slows things down when you get to the negotiations and, and I think the parties for sure, in today's market, that's so hot and everybody's moving so fast and then you start humming and Hine about who caused the environmental contamination and, and everybody's annoying. And, and we feel that as the lawyers and, and all we can do is advise our clients right.   And give them the advice and warn them. My hope is that in year four, when something happens on the environmental, they hear my words and say, oh, she was right. But, but the likelihood, the reality is is that probably a 90% of the instances, there's not going to be any contamination and it's going to be okay. Right. But that's not what we guard against. And not when we negotiate contracts, it's not the 90%, the 10,   Jesse (30m 40s): Yeah. It's those low probability high impact or high risk aspects. I will say this though, Rosa, I am, I am a good boy most of the time. And at the very least like assignments and subleases, those are absolutely in our, in our letters of intent or offers to Lisa at this point, because it is something that materially impacts the deal. If they start negotiating after, and, and the two parties had different views of, of what they think should be the case. Okay. So that's environmental. So what do, what do we cap off with?   I think that's, this is number five.   Rosa (31m 12s): Yeah. So I think this one's kind of about bacon space and how it, and two things that it affects. So when there's vacancies, which there are not a lot of right now. So I'm talking back from my history of my, of my, my career when there was vacancies and, and people used to apply to get real estate tax breaks for vacancies and properties. We don't see that anymore because there aren't any, but for sure when there's vacancies, there's a couple of things to be careful of.   So the landlord, again, wants to be made whole on the building, whether there's vacancies or not. And so when we're talking about proportionate share in a, lease the tenant at the same time, doesn't want to suddenly have their proportionate share increased because they've got to pay for vacancies. And so the way that common area costs and operating costs work when you're one tenant with several tenants in a building, is that there's this concept of proportionate share. And it's calculated by saying the number of square feet of your space on the numerator and the number of square feet, square feet of the total building on, on the denominator.   And that's your percentage of those costs. There is often language that creeps into leases that says if there's a vacancy, every other tenant that is occupying will bump up their proportionate, share by a certain amount to cover those vacancies and tenants don't realize that that's what's in there. And then they're usually surprised during the term. And so it's just being aware of that and knowing that and knowing what kind of building you're going into. The one that is always gets me though, is that I have had some tenants when I point this out to them and we start talking about it, but then say, but you know, maybe it's a strip mall and it was six years ago.   And they say, well, but there's four stores that are empty there. And it's like, okay, but you're, you're paying that now. So you're, you're paying that from day one, you're paying for those vacant spaces. So that's it, you know, when they go into it with open eyes, they understand that   Jesse (33m 15s): It's funny, you bring this up. This was probably when I first started in brokerage, probably one of the most confusing aspects of explaining things to your clients. And it was kind of one of those jokes where we don't tell clients, or we try not to explain rates in terms of net effective rates. And it doesn't really matter for listeners. You know what? You can look that up what that is, but you get down a rabbit hole of getting into the minutia, the deal with this one, correct me if I'm wrong, we often see it as gross up that you gross up the building. And a lot of times the closet you'll see, you know, assuming that even if it's 50% vacant, we assume 99% or 95% or a hundred percent occupied.   And that, yeah, that was one where, oh, man, I needed people like you to kind of walk me through it. Because from a, just kind of a layperson's perspective, when we have clients, they, they were from a fairness point of view. They're like, no, that doesn't make sense. Why am I, why am I paying if it's half full?   Rosa (34m 10s): Right. Right. And, and, but from the landlord's perspective, they want to make sure that the hallways and the reception area and the elevator banks, that all of that maintenance is being paid for no matter how many tenants are there, the building, because even if there aren't even if all the building is in full, you know, you think your typical office building where you walk into reception, you use the elevator banks, you go up to four or five, there's 10 floors. Let's say only half of the building, even though you're only using half of the building, you're using all of that area, that half that's there, right?   Like that's the flip side to that story. And they have to pay to maintain the lights on the heat, on fixing the elevators, cleaning it, all of that for that elevator bank, the HVAC that runs the whole building, the reception area, they have to pay for all that. So that's the flip side story to that, right? Yeah.   Jesse (35m 2s): I used to always use just because to me, the, the most non-variable cost was security cameras. So I used to always explain it from that point of view that, you know, whether it's one, 10 at 10 tenants, five tenants that you're going to have to have the, the building monitored for security and just cause you know, a couple of tenants leave doesn't mean you shut off half of the cameras, but, but all those other ones are a hundred percent. That makes sense. Yeah. I do have a question. So th so those are the five, I think it's a great framework for people that don't think about this as often, or even, you know, people like myself that do work with us on a day-to-day basis.   What I, what I'm curious to talk about, just it touches all of these things. And it was something that I realized pretty early in my career that we are oftentimes as brokers, we're given kind of this leeway or latitude to write offers and write letters of intent, oftentimes maybe without knowing, binding making your, your client bound to a deal. And I think there's some best practices when it comes to making sure that if you're negotiating a non-binding LOI, make sure that's, you know, indicated and is, and is clear because oftentimes early in my career, or even, you know, with younger individuals, I would see that they would take this off or at least give it to the lawyer.   And the lawyer would be like, well, I'm hamstrung here on a lot of things. So I'm just curious what your thoughts are on, on the process. And, and when our clients should be thinking about legal or engaging legal.   Rosa (36m 29s): So I think two things, the, the legal doesn't have to get too, too involved in the offer to lease there's two key areas where they can offer some value. And the reality is is that you, as the realtors are the best people to do that offered a lease because I don't have comparables for other space. I don't have the market knowledge about, you know, what is rent for this type of building? What else is available in the area?   I don't, I don't have access to that. So you're the best one to do that, to hammer out those business terms, the piece that the lawyers have to make sure they're happy with is aid it, make it a hundred percent clear that it is non-binding because my problem with most offers to lease and especially the urea commercial offer to lease it, actually doesn't say it's non-binding right. Actually it doesn't say that it says offer to lease. And the fact that you use the term offer does not inherently make it binding.   You have to say, it's, non-binding what the landlord doesn't want is they don't want the tenant to then in the lease to renegotiate those business terms. And that's a fair ask. So you can be very clear to say the offer is nonbinding, but neither party will renegotiate the business terms that are clearly here. Because as we said, a lot of the terms that I mentioned as the top five are not in your offered. At least it only comes up in the lease context. And so you can meet that middle ground by having that language.   And then the other piece that's key from the tenants perspective is for example, on the urea offered, at least the provision that talks about delivering the lease actually says it will be the landlord standard form. And so that leaves the tenant, no room to negotiate. All of these things that we just talked about today that are not in the offer to lease, you have to actually sign it in the landlord's standard form. So one little tweak to that section, which is it will be in the landlord standard form was such reasonable amendments as requested by the tenant.   It's all you need in order to give you enough room to negotiate these other trucks.   Jesse (38m 42s): Yeah. And then that makes a lot of sense. And I guess the, the, so for those that don't, aren't aware of Maria Ontario, real estate association, you know, every state and province has some version of this, or I think every, every one does, we oftentimes don't use those. I find commercial, especially office leasing. You know, we talked to folks like yourself that try to inform our boiler plate, but then, you know, just for that, but from a, from a kind of legal philosophical point of view, I'm always curious of lawyers views on the agreement to agree, because like you said, we're taking a document that's five, maybe even less pages long, turning it into document that's could be 60, 7,000 pages.   So from that perspective, you know, what is the reasonable test? You know, when you have these terms agreed to, but like you said, a lot of these are not even covered in the offer. So there has to be some good faith happening one once you are at the least stage, even though you, you know, you technically agreed that you would agree.   Rosa (39m 45s): Yeah. And so I think there's a, there's always in every negotiation, there's a duty to negotiate in good faith at law for both parties. So you have to be fair in your negotiation from the lawyer's present perspective, whether it's a lease, whether it's an M and a transaction, when there's an non-binding LOI signed, we do tell our clients because it is very true that if something's written in black and white in that LOI man, we are going to have a tough time to negotiate it differently in the definitive agreement, in the final lease, share, purchase agreement, whatever that is.   If you've said, you know, the rent, the base rent is this per square foot, there is no way I'm going to be able to successfully negotiate it at a different grant. Right? So if you've said in there that you're going to pay common area costs and cover, you know, landscape, garbage removal cleaning, and those things are listed. I'm going to have a really tough time in the lease. Even if, even though that original agreement is not binding to get those out. So whatever's covered in black and white, you know, we're, we're going to respect the deal that the two parties struck at the offer letter and maintain it in the final agreement, the rest of the terms that are not covered, because you can't, you can't cover it all or else you'd be just jumping to the final agreement.   Those everybody's just going to negotiate in good faith and be reasonable. And I think that's the way it goes. And, and, and the reality is I think most tenants and their lawyers understand that this is the landlord's building, right. And they have lots of tenants in there, and this is they're the owner. And so you have to be reasonable with how you're negotiating those terms.   Jesse (41m 29s): Yeah. That makes sense. And it kind of just reminds me of like, there's this fallacy of a complete contract. You'll never completely be able to think of everything and, you know, nobody would approach it that way. Just take, take too long and cost too much. I've noticed we're, we're coming up to, to the time here, but before, and Rosa, we definitely have to get you on again, maybe in six to eight months from now, because there's just, there's so much interesting stuff that we could come, that we could discuss from a legal perspective. I did want to touch before we, before we end two things, I wanted to talk a little bit about your outlook given, you know, the last two years, you know, where you see certain trends going.   So we talked a little bit from the outset crystal ball, but before we do, it's something that, you know, comes up in our industry. There has been more of an emphasis, I think, in all industries on diversity, on having representation of different groups, whether that's, you know, gender color, creed, and one thing we've noticed, or I've noticed in commercial real estate, as opposed to residential real estate, is that we have been slower to adapt, to having more females come into our world.   I assume real estate law would probably look fairly similar. So I thought, you know, you could kind of give me your perspective on, you know, how that has been an impact if it has on your career and maybe what you would recommend to younger people coming up and looking at commercial real estate or real estate law is a viable option.   Rosa (42m 59s): Yeah, I think for sure, I think every place has recognizing the benefits of diversity, equity and inclusion for sure. And, and, and the benefits to the bottom line and not just because it's the right thing to do, but it is the right thing to do. And for sure, I think it is difficult in real estate to kind of break down those barriers. It has been traditionally a white male dominated industry. I have clients though that are in the construction industry and it's a completely woman-run construction industry.   So we're coming, we're, we're definitely coming. And, and, and so I think it's, it's definitely something that Galileans is very cognizant of. We have a very strong focus on DEI in our firm. We have a DEI manager that runs everything that runs that part and, and it's, and it has become a key in our strategic planning to make sure that there is diversity and equity inclusion in every office at every level.   Law is not that much different from other areas. We might be even a little slower than some other areas of getting there. We do every, at every level in a law firm, you know, articling student associate partner at every level in a law firm, we lose a few women, we lose a little bit of diversity and that that's a shame and we have to do better. And we are definitely trying to do better. I think on, and I, I can't speak as much to other enumerated grounds of diversity, but on the, on the woman's side of thing, I think, I think my advice to people would be to marry well, isn't that an awful piece, but that sounds old school, but it really is.   I think, I think the reality is your career as part of your life. And you need a life partner that's going to bolster your career. And I think for a lot, and that's true for every sex as true for men. That's true for women. That's true for those who identify as men and those who identify as women, it's true for them. And you need a life partner that's going to bolster your career. The problem is that historically men haven't seen that as the role and that's the problem. And so I think when people are finding life partners is finding one, who's going to, who's going to maybe take a back seat in their career and allow yours to shine.   Jesse (45m 24s): So we need you to draft a marriage letter of intent.   Rosa (45m 27s): Yeah, exactly. Exactly. You shout. So, yeah, I think that, I think that's definitely something that, because the reality is at the end of the day, no matter how much you want to do, there's 24 hours in a day. And so you have to figure out how you're going to split that day. And if you can't, if you can't focus enough on the job and on the career piece of it and dedicate enough time to make that successful, then it won't be successful. And so you need somebody who's going to focus on the other aspects of your life to allow you to focus on that.   Jesse (46m 3s): That makes complete sense. All right. So Rosa, crystal ball for us, you know, are there trends that you're seeing opportunities or things that you're excited about? You know, what, what does the world look like from your vantage point? Like, like we said, at the beginning in the, the short to mid term?   Rosa (46m 21s): Well, I think, I think there's going to be lots of people out with their backhoes building distribution and industrial centers, seeing the rents and how that's gone. Absolutely crazy in that, that market space. I think it's like three fold over the last two years, right. Is where rents are going to, so I think you're going to see lots of landlords trying to focus on that and COVID has done wonders for that industry because everybody's home cooking and getting things delivered just Yeah, for sure.   And it's changed how we all shop and how we all are consumers and how we consume things. And so I think that area is going to see a huge growth. I am an optimist and I do not think that the office industry is going to be decimated. I think that the commercial office is still, it might shrink a bit. I kind of feel like it might shrink a bit because everybody's feeling pretty good about working from home. And everybody feels like that's going to be a small part of their life, but I do think people want to get back to the office.   I mean, I do, I want to get back to the office on a regular basis. I want to start seeing my colleagues again on a regular basis. And as much as we think it's a cost savings by having everybody, not at an office and paying that rent for office space, I think it's going to be a cost in the end because I think you're not going to have that cohesiveness amongst teams. You're not going to have that idea generation amongst teams. You're not going to have a culture.   How can you have a culture if you never see each other? And so, and those are all key, important things. And especially for this next generation of feeling connected to something they want to be somewhere. I don't think they want to be in their living rooms. I'm done being in my living room. I don't know about everybody else, but I'm done being in my living room. I don't want to, I want to be somewhere. And so I don't think the office space is going to be as decimated as people thought at the beginning of COVID.   Jesse (48m 25s): Yeah. I think it's definitely something where we're seeing a change. There was this, there was, I think I talked to a lot of people about the office, obviously for what I do and what I tell people outside of our industry, that this was a, this was a secular trend, a secular trend that preexisted COVID office was changing. It was evolving. This kind of pushed, put it into high gear, but I do think it's in cities like Toronto, it's a huge benefit because we were too far. The other side, it was way in favor of the landlords for a long time with vacant vacant space being at one, two, 3%.   So I think it's in the long run. It's going to be a positive trend, but that's cause I'm like you, I'm an eternal optimist. Rosa. If people want to kind of connect with you, reach out, you know, or even engage with you on the real estate front, where it'd be the best place to, to send them to.   Rosa (49m 19s): I am available by email all the time. And if so, my email address is Rosa doc equal Gowling wlg.com. Or if you want to go to the website and connect with me that way, it's www.gowlingwlg.com.   Jesse (49m 35s): My guest today has been Rosa Lupo. Rosa, thank you for being part of working capital. Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you liked the episode, head on to iTunes and leave us a five star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one take care.  

Episode 23 of World's Dumbest Criminals is about a mean Minnesota woman who made headlines as “the neighbour from hell” for stalking and harassing families in her street. She allegedly even bit a blind dog! It also covers a Montreal man who went on a peculiar crime spree after abusing prescription drugs and staying up for 3 days straight and much more.Promo: Dealing JusticeSocial MediaFacebook Group: https://www.facebook.com/groups/374526270632196Facebook Page: https://www.facebook.com/Worlds-Dumbest-Criminals-Podcast-100965498857602/?ref=pages_you_manageTwitter: @WDCriminalsPod and InstagramInstagram: @worldsdumbestcriminalspodcastPatreon: https://www.patreon.com/worldsdumbestcriminalshttps://www.therecord.com/news/waterloo-region/2018/08/29/montreal-man-banished-from-waterloo-region-for-strange-crime-spree.htmlhttp://news.bbc.co.uk/2/hi/uk_news/england/manchester/6981558.stmhttps://www.dailymail.co.uk/news/article-4397104/Thief-flees-police-station-snatching-phone.htmlhttps://edition.cnn.com/videos/bestoftv/2013/07/18/exp-newday-brown-nasty-neighbor.cnnhttps://www.presspubs.com/white_bear/briefs/neighbor-from-hell-cited-for-domestic-assault/article_0af852a2-bfa7-11e5-9879-07475a25d33c.html 20/01/16https://bringmethenews.com/minnesota-news/minnesotas-neighbor-from-hell-faces-new-stalking-charges may 28/21https://abcnews.go.com/US/exclusive-neighbor-hell-tells-side-story/story?id=20318227 21/09/13https://www.mercurynews.com/2021/06/01/notorious-neighbor-from-hell-accused-of-stalking-again/https://www.newsweek.com/neighbor-hell-lori-christensen-charged-stalking-after-years-alleged-harassment-1596343https://www.kare11.com/article/news/local/neighbor-from-hell-speaks-out-following-plea-deal/89-306718849https://www.dailymail.co.uk/news/article-9637299/Shes-Neighbor-hell-charged-stalking-again.html 1/06/21https://www.fox9.com/news/shes-back-decade-laterneighbor-from-hell-still-a-problemhttps://www.dailymail.co.uk/news/article-2427571/Lori-Christensen-Neighbor-hell-breaks-silence-says-family-just-jealous-her.html See acast.com/privacy for privacy and opt-out information.

Ep 46: The Angels & Demons of Business Transfer Agreements  We had an absolute blast talking about business transfer agreements with lawyers Michael Robinson* and Michael Paiva* and the utter nightmares that can occur when business owners are lulled into complacency and don't prepare one. We had both lawyers discuss valuations, valuations and oh yes, valuations! (But really, so much more).   Listen now and share with others!  This Weeks Guests  MICHAEL ROBINSON*  Michael Robinson received his undergraduate degree from Hamilton College in Clinton, New York and his Juris Doctor degree from Vermont Law School. Mike is admitted to practice before all the courts of the State of New York as well as the United States District Court and the United States Bankruptcy Court. A graduate of McQuaid Jesuit High School, Mike is a life-long resident of upstate New York, and has been in private practice for 35 years, focusing his practice on estate planning, elder law and wealth preservation. Mike feels his calling is to guide each client in crafting an estate plan that best preserves their financial and non financial legacy, creating peace of mind for them and their loved ones. In addition to a commitment to educating the public about estate planning and elder law matters, Mike also believes in the need for other professionals to understand the often complex issues in estate planning. He regularly provides instruction on estate planning and elder law to other attorneys, CPAs, investment advisors and senior care community professionals.  MICHAEL PAIVA*  Michael Paiva is a partner of the firm servicing clients from its Toronto and Waterloo Region offices in Ontario, Canada. He is a fearless, dedicated and passionate lawyer focusing on commercial and municipal matters, including expropriation and construction matters.  He has successfully appeared before the Superior Court of Justice, Ontario Municipal Board and the Ontario Court of Appeal. Michael also provides integrated business law services with a focus on preventing litigation.  Michael employs a pragmatic and results-oriented approach to all matters and always considers his clients' business operations. He delivers responsive and thorough service, leaving no stone unturned and making no compromises in advancing his clients' interests.  Prior to forming Rodrigues Paiva LLP, Michael was an associate lawyer at one of Canada's largest law firms.  Throughout law school, Michael worked as a property law course tutor, legal research assistant, advanced dispute resolution teaching assistant, and assistant editor of the Ottawa Law Review.  Prior to law school, he successfully defended his Master's thesis on Canada-US trade in the Mulroney-Reagan era. His research was funded by the Social Sciences and Humanities Research Council of Canada (SSHRC). He also obtained his Bachelor of Education and Bachelor of Arts.  EDUCATION  J.D., University of Ottawa  M.A., University of Waterloo  B.Ed., University of Western Ontario  B.A. (Hons.), University of Waterloo  PROFESSIONAL ASSOCIATIONS  Ontario Expropriation Association  Contact Info  m.paiva@RPlawyers.ca  519.729.5038  416.800.1733  ----------------  *Not affiliated with Lincoln Financial Advisors Corp.  Michael Palumbos is a registered representative of Lincoln Financial Advisors Corp.   Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies.   Family Wealth and Legacy LLC is not an affiliate of Lincoln Financial Advisors Corp.  CRN-3898483-110221