Podcasts about Winnipeg

Episode 404: In April 2015, someone began targeting some of the city's most vulnerable residents: men living rough, sleeping outside, and often already failed by every system meant to protect them. By the time the killing stopped, three were dead: 37‑year‑old Miles Monias, 48‑year‑old Stony Stanley Bushie, and 65‑year‑old Donald Collins. Their killer was another man on the margins, a homeless drifter with a long history of violence and untreated mental illness, John Paul Ostamas. Sources: Media Release - April 28, 2015 - Winnipeg Police ServiceR. v. Ostamas, 2016 MBQB 136 (CanLII)R. v. Ostamas (J.P.) (2016), 329 Man.R.(2d) 203 (QB) | vLexR v Ostamas, 2022 MBCA 68 (CanLII)John Paul Ostamas | APTN ArchivesJohn Paul Ostamas | Global News, Videos & ArticlesWinnipeg's Duck Face Serial KillerWinnipeg's historyGarden Hill First Nation | WikipediaLittle Grand Rapids First NationApr 27, 2015, page 16 - Calgary Herald at Newspapers.com™Apr 29, 2015, page A5 - Telegraph-Journal at Newspapers.com™May 2015: Death and the homelessTHE FIRST NATIONAL INDIGENOUS BROADCASTER IN THE WORLD | APTNWinnipeg police charge man in connection with 3 murders | APTNMan charged with 3 Winnipeg killings came from ‘good family' in Eabametoong First Nation | APTNMay 2016: Guilty plea in killing spree'3 monstrous murders': Homeless killer John Paul Ostamas will get no parole for 75 years | CBC News‘Person of interest' located by Winnipeg Police: Sources - WinnipegPolice say suspect in Winnipeg deaths known to Ontario policeMurder charges for deaths of homeless Native men in ManitobaAccused serial killer John Paul Ostamas sought help from Kenora pastorStoney Bushie's friends, family gather for Winnipeg prayer service | CBC NewsOstamas tried to burn down Winnipeg hotel, police say - WinnipegThunder Bay-area man charged with murder after 2 homeless men killed in Winnipeg | CBC NewsFamilies honour victims of alleged serial killer John OstamasMan charged with killing 3 men in Winnipeg | CBC NewsWho is John Paul Ostamas, alleged serial killer in Winnipeg deaths? | CBC NewsHomeless in Vancouver: Homeless man charged in serial killings of three Winnipeg men | Georgia Straight Vancouver's source for arts, culture, and eventsHomelessness – Social Planning Council of WinnipegIndigenous Peoples and Homelessness | homelesshub.caHomeless in Vancouver: Serial killer may be targeting Winnipeg homeless | Georgia Straight Vancouver's source for arts, culture, and eventsLatest Winnipeg street census suggests homelessness at highest point in past decade | CBC NewsAMC Responds to Record Homelessness in Winnipeg | manitobachiefs.comUnderstanding Indigenous Homelessness28239_here_now_plan_report_FIN_WEB | PDF Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

This week, we're joined by Andrew Green! Andrew is the creator of the Kids Jiu-Jitsu Playbook and a 25-year veteran of martial arts coaching. In this episode, Andrew teaches what truly makes a great kids coach: understanding developmental stages, emotional regulation, building culture, motivating engagement, working effectively with parents, why kids can't be coached like "mini adults," how life skills outweigh medals, and what gyms can do to create safer, more sustainable, and more impactful youth programs.Follow Andrew on Instagram:https://instagram.com/innovativemartialartswpgTrain with Andrew at Innovative Martial Arts in Winnipeg, Manitoba, Canada:https://winnipegmartialarts.caCheck out The Kids Jiu-Jitsu Playbook (there's a free version):https://www.skool.com/kids-jiu-jitsu-playbookMental models discussed in this episode:Gamificationhttps://bjjmentalmodels.com/gamification⬆️ LEVEL UP with BJJ Mental Models Premium!The world's LARGEST library of Jiu-Jitsu audio lessons, our complete podcast network, online coaching, and much more! Your first week is free:https://bjjmentalmodels.comNeed more BJJ Mental Models?Get the legendary BJJMM newsletter:https://bjjmentalmodels.com/newsletterLearn more mental models in our online database:https://bjjmentalmodels.com/databaseFollow us on social:https://instagram.com/bjjmentalmodelshttps://threads.com/@bjjmentalmodelshttps://bjjmentalmodels.bsky.socialhttps://youtube.com/@bjjmentalmodelsMusic by Enterprize:https://enterprize.bandcamp.com⚠️ NEW course from BJJ Mental Models!MINDSET FOR BETAS, our new Jiu-Jitsu audio course with Rob Biernacki, is now available on BJJ Mental Models Premium! For a limited time, get your first month FREE at:https://bjjmentalmodels.com/beta

In this episode of 32 Thoughts, Kyle Bukauskas and Elliotte Friedman break down a wild Thursday night around the NHL, highlighted by a stunning Hurricanes comeback in one of 15 games on the slate. They dive into Toronto's rough stretch continuing in Seattle, why trade chatter around the Maple Leafs is heating up, and why major moves may wait until after the Olympic freeze (8:24). Elliotte unpacks the latest on Artemi Panarin trade rumours as he runs through each potential suitor (14:50), potential action between Detroit and Winnipeg (39:35), and updates on hot teams like the Islanders and Blue Jackets (40:59). The show wraps with Nashville drawing interest in Michael Bunting and Michael McCarron (49:21), plus a Final Thought from Tampa Bay ahead of the Stadium Series (54:34)Kyle and Elliotte answer crowd questions in the Thoughtline (1:05:57). Today we highlight Moroccan-Montréal pop-R&B artist Satya and her song Realness. Check out her music here.Listen to all the 32 Thoughts music here.Email the podcast at 32thoughts@sportsnet.ca or call the Thought Line at 1-833-311-3232 and leave us a voicemail.This podcast was produced and mixed by Dominic Sramaty and hosted by Elliotte Friedman & Kyle Bukauskas.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates

Rick Stroud and Steve Versnick on the Lightning's 4-1 win over Winnipeg as they are now 16-1-1 in their last 18 games and now their attention turns towards the Stadium Series game on Sunday. Plus Baker Mayfield says he thinks Mike Evans will play with the Buccaneers this season and we answer your mailbag questions on Evans and Baker. Hosted on Acast. See acast.com/privacy for more information.

Send us a textSam Manchulenko is a seasoned yoga instructor and spiritual guide based out of Winnipeg, Canada. She is renowned for her expertise in facilitating yoga teacher trainings and workshops that integrate yoga philosophy with practical spiritual tools. Trained under prominent spiritual figures such as Dharma Mittra, Byron Katie, and Eckhart Tolle, Sam offers unique insights into yoga and personal development. She specializes in psychic development, intuitive empowerment, and blending various philosophical teachings to help individuals achieve internal harmony and mindfulness.Visit Sam: https://www.samtheyogi.com/Key Takeaways:Integration of Practice: Sam highlights the impact of practicing yoga alongside spiritual guides and emphasizes the importance of embodying compassion and curiosity.Yoga and Dance Synergy: Discover how both yoga and dance facilitate mindfulness, presence, and the subtle art of offering oneself to a greater purpose.Philosophical Insights: Explore the power of detachment and the unconditional love that comes from accepting challenges and darker emotions.Psychic Development: Learn about psychic development or intuitive empowerment and how it focuses on attuning to one's inner vibrations to manifest positivity.Thanks for listening to this episode. Check out:

The Jets hung with the Lightning for a bit but the best team in the East wins this one 3-1 to hand Winnipeg another loss. Tampa improves to 16-1-1 during their impressive run while Winnipeg drops to 21-25-7 on the season.

Brandon and Tyson talk the Jets past two games against Tampa and New Jersey, Heinola's bombshell article and a potential reunion in Winnipeg? Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Seth and Josh are back with the monthly listener episode, and it's the first one of 2026! From a bear trap story, to camping in the snow, all the way to Perth, Australia, our listeners showed up with funny stories to boot! Plus, we also hear feedback from one listener who wants everyone to reconsider Winnipeg's food scene! Want to submit your family trips story for our next listener episode? Or send a question in to Seth and Josh? Submit your voicemail to speakpipe.com/familytripspod! Watch more Family Trips episodes: https://www.youtube.com/playlist?list=PLlqYOfxU_jQem4_NRJPM8_wLBrEEQ17B6 HexcladFind your forever cookware @hexclad and get 10% off at https://hexclad.com/trips #hexcladpartnerCashAppParents:Download Cash App Today: https://capl.onelink.me/vFut/4aafc4yf #CashAppPod. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See terms and conditions at https://cash.app/legal/us/en-us/card-agreement. Direct deposit and promotions provided by Cash App, a Block, Inc. brand. Visit http://cash.app/legal/podcast for full disclosures.AG1 Go to https://DRINKAG1.com/TRIPS to get their best offer… get 3 FREE AG1 Travel Packs and 3 FREE AGZ Travel Packs, plus FREE Vitamin D3+K2 and AG1 Welcome Kit with your first AG1 subscription order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Canada's Boy Golden (Liam Duncan) has a new album coming in mid February on Six Shooter Records, and he has several new tours in the works! Music Matters host Darrell Craig Harris catch's up with him at his home in Winnipeg!  About Boy Golden Who is Boy Golden? On the one hand it is moniker for a mysterious new artist, who is building buzz following major support for track "KD and Lunch Meat" from his debut album which hit #1 at Alternative radio in home country of Canada, and major moments including debut at Bonnaroo, and opening for Jason Isbell, MJ Lenderman, and Joshua Ray Walker. On the other hand, Boy Golden is also a conduit for songwriter Liam Duncan-a persona that allows him to create honestly and freely. For Duncan, Boy Golden grants access to an inner world only reachable through music. His three previous albums-For Eden (wistful), For Jimmy (rollicking), and the lemon-yellow-leisure-suited Church of Better Daze-served as a psychic clearing for Best of Our Possible Lives. This new work finds him mid-journey, reckoning with the self as it was, as it is, and as it can be. Boy Golden states "The lines between him and l are soluble... Whether it is my spiritual beliefs, my way of living, my sexuality - it comes up in my writing and I am then forced to reckon with it." Website www.boygolden.ca Social Media www.instagram.com/boygolden www.Facebook.com/boygolden  About Music Matters with Darrell Craig Harris The Music Matters Podcast is hosted by Darrell Craig Harris, a globally published music journalist, professional musician, and Getty Images photographer. Music Matters is now available on Spotify, iTunes, Podbean, and more. Each week, Darrell interviews renowned artists, musicians, music journalists, and insiders from the music industry. Visit us at: www.MusicMattersPodcast.comFollow us on Twitter: www.Twitter.com/musicmattersdh For inquiries, contact: musicmatterspodcastshow@gmail.com Support our mission via PayPal: www.paypal.me/payDarrell  voice over intro by Nigel J. Farmer    

Magic top Heat in Miami 133-124 to end four-game losing streak, Tom Brady latest to question NFL HOF snub of Bill Belichick, Tampa Bay Lightning back in action tonight at home against Winnipeg, more in today's 'Sports Page' with Mike Bianchi

We've got Gavin Stephens and Kristen Einarson!Gavin Stephens tells Niagara-on-the-Lake that 49 is too late to find out you have ADHD. And from Winnipeg, Kristen Einarson shares that she might have gone too deep into the SIMs world!

The Edmonton Oilers made history with back-to-back hat tricks by defencemen; Bouchard and then Ekholm, the former now sits among the league’s top-scoring blueliners, after a typically slow start to the season. In Toronto, William Nylander was fined $5,000 for an ill-advised gesture toward a TV camera, a minor distraction but not enough to hide the Leafs’ returning inconsistency, raising questions about whether Brad Treliving needs to make a move with the Olympic break looming. Buffalo continues its surprising surge behind the league’s hottest goalie, Alex Lyon, forcing tough decisions on players like Alex Tuch as playoff hopes feel real for the first time in years. Winnipeg’s playoff fight hit another low after a 5–1 loss to Detroit, prompting a harsh postgame from Scott Arniel and renewed debate about whether the Jets should re-tool on the fly. Meanwhile, Vancouver’s injury woes deepen with Brock Boeser and Zeev Buium sidelined, in addition to growing concern that Thatcher Demko may be shut down to ensure he’s fully healthy for next season.See omnystudio.com/listener for privacy information.

Roz dives back into cold‑plunge life, Mocha goes deep into Winnipeg Reddit bong posts, and Maurie & Chloe get absolutely hammered at the Leafs game. Roz triggers listeners with how he says “roti,” a troll convinces him he ruined Heated Rivalry, and Maurie sits down with the cast of Percy Jackson & the Olympians.

Four goals in the 3rd breaks open a 1-1 game between the Jets and Wings and results in a 5-1 win for Detroit over Winnipeg. Dear Mama

Send us a text In this powerful episode of Serving Sundays, Dave Wheeler and Candace Rae dive deep into the messy, beautiful reality of conscious parenting and long-term partnership. They open up about a high-stress morning involving a frozen car, a literal soda explosion, and the "emotional warfare" of choosing patience over an easy outburst. Candace shares a raw look at her own emotional state as she balances the intense physical and mental demands of bodybuilding prep with her role as a mother and wife. From the hilarious "Mandela Effect" debates to a touching look at the importance of "mitigating damages" at home, this episode is a masterclass in staying 1% better even when the air hurts your face. Support the showFollow us on social media: Dave Wheeler Candace Rae

- Does Robert Thomas fall into Alex Pietrangelo territory? - Sports Six-Pack Part I- Sports Six-Pack Part II- Will the effort in Winnipeg translate to a win tonight for the Blues?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Alberta separatists are rallying to collect signatures to call a referendum. Meanwhile, with Francois Legault's resignation, and the separatist Parti Quebecois leading in opinion polls, a referendum is once again a real possibility in QuebecAre Alberta and Quebec's separatist movements a real threat to the unity of Canada? Plus, police officers charged in Manitoba, and fact-checking oil industry spin on CANADALAND. Host: San GrewalCredits: James Nicholson (Producer), Kattie Laur (Associate Producer and Fact Checking) Caleb Thompson (Mixing and Mastering), max collins (Director of Audio), Jesse Brown (Editor)Guest: Max Fawcett Further reading: New poll suggests one in five Albertans would vote to separate | CBC News What Alberta separatist leaders are telling supporters at secession petition events - Edmonton Journal Alberta's independence movement is a global rarity: right-wing separatists - National PostHas Separatism Gone Mainstream in Alberta? | The Tyee Most Quebecers Oppose Sovereignty. Even More Reject Another Referendum | The Walrus 30 years after cliffhanger vote, Quebec separatists voice hope for independence Alberta, Quebec referendums likely would fail due to Canadians' anxiety: pollster - Toronto Star #1294 Oil For Dummies - CANADALAND [Podcast] FUEL FOR THOUGHT: OPEC rails against peak oil demand threats, but its own investments bear watching | S&P Global Global oil demand won't peak until 2032, Wood Mackenzie report says | Reuters Junior officer charged alongside disgraced Winnipeg constable pleads guilty | CBC News Sponsors: MUBI: To stream great cinema at home, you can try MUBI free for 30 days at mubi.com/canadaland.Fizz: Visit fizz.ca and activate a first plan using the referral code CAN25 to get 25$ off and 10GB of free data.Squarespace: Check out Squarespace.com/canadaland for a free trial, and when you're ready to launch use code canadaland to save 10% off your first purchase of a website or domain. If you value this podcast, Support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch at our store, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. Hosted on Acast. See acast.com/privacy for more information.

Injuries to OEL, Brandon Carlo, and long-term absences like Chris Tanev have likely forced Brad Treliving’s hand in Toronto. Jackson Lacombe being named Seth Jones’ replacement on the United States Olympic Team may have raised some eyebrows—especially with Canada and Sweden delaying decisions—and sparked debate over why Lane Hutson wasn’t chosen instead. In New Jersey, Luke Hughes’ injury further complicates the New Jersey Devils season, potentially pushing Dougie Hamilton decisions to the deadline. The Anaheim Ducks appear back on track after a typical young-team swoon, while the San Jose Sharks continue their feel-good season after adding Kiefer Sherwood—though Ray cautions their defence may lag behind their forwards come playoff time. Buyers and sellers emerging in the West; Utah, Seattle, St. Louis, LA and Winnipeg all with big decisions to make. Ask R&D wonders about Kelly McCrimmon’s risk tolerance and why the Edmonton Oilers can’t string together three wins.See omnystudio.com/listener for privacy information.

On Thursday Tobin & Leroy Show: - Miami Dolphins announce their new GM and Head Coach today - Miami Heat take on the Portland Trail Blazers - Florida Panthers back n the ice tonight in Winnipeg to take on the jets. Can Brad Marchand make a return tonight? - NFL teams in disarray - Giannis upset in Milwaukee

Lots of excitement in Manitoba for the Heritage Classic in October of 2026 when the Jets host the Canadiens. Before the game between Winnipeg and St. Louis at CLC we heard from Jets alumni captain Blake Wheeler and Habs alumni captain Mike Keane and learned who would be on the preliminary roster.

When the news stated to filter out about the Jets potentially being involved in next season's Heritage Classic it immediately spawned the conversation about who would be participating in the alumni game. It wasn't even confirmed until early December that they were in but that didn't stop the speculation.Worth noting that an alumni game wasn't even mentioned as potentially part of the festivities.This will be the third time Winnipeg has been involved and the second time they've hosted in Manitoba. Back in 2016 they played the Oilers with both an alumni game and a regular season contest. In 2019 when they took on the Flames in Regina it was just a regular season one.Today, the team the preliminary Jets alumni roster.

Once again it's only Alex and Greg. Let Chaos reign! The guys are back and despite a rough start, they get to the most important news of the CFL week! KSB is back!  And TSN's Farhan Lalji is picking fights with Riders' short yard specialist Tommy Stevens? In the Odds and Endzones, it is more rule changes, Montreal's love for legacy receivers, and Winnipeg's itty bitty screens. Plus a look at the O-line and we remember that guy!

MC Taylor from Hiss Golden Messenger is here to discuss life in Durham, North Carolina and the time he spent in San Francisco, California, the Grateful Dead and Dead Kennedys, why he was so fascinated by the American South, he decided to move there 20 years ago, his love for the Band and the motifs in their music, if his academic background in American studies, folklore, and history offers him much perspective on the current state and future path of his country, his decision to work with Chrysalis Records and what may have inspired any new songs he may have written and recorded for a new Hiss album, how travel and touring can inspire him as an artist, his Winterruption 2026 dates in Edmonton and Winnipeg, other future plans, and much more.EVERY OTHER COMPLETE KREATIVE KONTROL EPISODE IS ONLY ACCESSIBLE TO PATREON SUPPORTERS STARTING AT $6/MONTH. Enjoy this excerpt and please subscribe now via this link to hear this full episode. Thanks!Thanks to Blackbyrd Myoozik, the Bookshelf, Planet Bean Coffee, and Grandad's Donuts. Support Y.E.S.S., Pride Centre of Edmonton, and Letters Charity. Follow vish online.Related episodes/links:Ep. #1034: Sean Wilentz on Bob Dylan's ‘Through The Open Window'Ep. #1025: Esther RoseEp. #1013: Carson McHoneEp. #1011: Saul WilliamsEp. #1009: SuperchunkEp. #986: John CongletonEp. #982: Jake Xerxes FussellEp. #980: Alan SparhawkEp. #963: DestroyerEp. #932: Tim HeideckerEp. #896: The Folk ImplosionEp. #878: Ted LeoEp. #875: Ann PowersEp. #847: RosaliEp. #799: Allison RussellEp. #752: Yo La TengoEp. #746: H.C. McEntireEp. #630: Nathan SalsburgEp. #507: Robbie RobertsonEp. #217: Do You Compute – The Story of Drive Like JehuEp. #109: Jello BiafraSupport this show http://supporter.acast.com/kreative-kontrol. Hosted on Acast. See acast.com/privacy for more information.

In this episode, special co-host Diana Yáñez and Sweet Miche explore the concept of belonging, not just to each other, but to all of existence. From the linguistic wisdom of the Aymara people to the radical call of liberation theology and the hard work of healing Quaker involvement in Indian Boarding Schools, we're asking what might happen to our faith if we start living from the "We" instead of the "I"? Jiwasa: The Communal We with Rubén Hilari Quispe  Rubén, an Aymara Quaker and linguist, introduces us to jiwasa – a concept of "we-ness" that includes humans, the environment, and even the objects around us. He invites us to sit with the unsettled feeling of language that doesn't center the individual. Read Rubén's article, "Jiwasa, the Communal We" in the January 2026 issue of Friends Journal or at FriendsJournal.org. You can hear an extended interview in Spanish with English subtitles at the Friends Journal YouTube page.  Liberation Theology and the Inner Light with Renzo Carranza  Guatemalan Friend Renzo Carranza explores how the Quaker Inner Light intersects with the radical tradition of liberation theology. Together, they form a call to action: to reinterpret the gospels from the perspective of the marginalized and transform society. Watch the full QuakerSpeak video, “Transforming the SPIRIT: Liberation Theology and the Inner Light” at QuakerSpeak.com. Collective Relationship and Boarding Schools with Rachel Overstreet  Rachel Overstreet (Choctaw Nation) discusses the history of Quaker Indian boarding schools. She suggests that the way forward isn't through individual guilt, but through collective relationship. Read Rachel's article, “Speaking with Friends About Indian Boarding Schools” in the January 2026 issue of Friends Journal or at FriendsJournal.org. Rachel writes the Native American Legislative Update, a monthly newsletter on the most important developments on Capitol Hill related to Indian Country. You can also write your Congressperson to cosponsor and pass the Truth and Healing Commission on Indian Boarding School Policies Act. Find out more at fcnl.org/issues/native-americans. Book Review: Chooch Helped  Katie Green reviews a charming children's book by Andrea L. Rogers and Rebecca Lee Koons (Cherokee Nation) that celebrates present-day Cherokee family life and love. Read Katie's review of Chooch Helped in the January 2026 issue or at FriendsJournal.org. Recommended Resources by Indigenous Creators Jonny Appleseed (Novel) By Joshua Whitehead (they/them) A beautifully fragmented story about a Two-Spirit, Indigiqueer person navigating life in Winnipeg. The title ironically reclaims a settler-colonial myth to tell a raw story of modern Indigenous identity. Coyote & Crow (Tabletop Role-Playing Game) Created by a team of over 30 Indigenous creators Set in an "Indigenous Futurism" world where the Americas were never colonized. This RPG focuses on community, advanced technology, and spirits in a world where history took a different path. Drama & Performance The Thanksgiving Play (Play) By Larissa FastHorse (Sicangu Lakota Nation) A biting, hilarious satire that made history as the first play by a Native American woman on Broadway. It follows four well-meaning white people trying to create a "politically correct" Thanksgiving play for a school. The Rez Sisters (Play) By Tomson Highway (Cree) A modern classic of Indigenous drama. It tells the story of seven women on a reserve who dream of winning "the biggest bingo game in the world." It's a powerful blend of humor, tragedy, and the supernatural. Mary Kathryn Nagle: Land Sovereignty and Indigenous Women's Rights (Podcast/Interview) Produced by Peterson Toscano for Citizens Climate Radio A deep-dive conversation with Cherokee playwright and attorney Mary Kathryn Nagle. She discusses how her plays, like Sovereignty and Manahatta, serve as "living law," using the stage to advocate for tribal jurisdiction and the safety of Indigenous women. Music & Audio Come and Get Your Love (Song) By Redbone The 1974 hit that made Redbone the first Native American band to reach the top five on the Billboard Hot 100. Forged (Podcast) CBC Listen / Host: Adrian Stimson A gripping series exploring a massive art fraud ring involving the works of Norval Morrisseau, the "Picasso of the North." Literature & Thought Sacred Instructions (Book) By Sherri Mitchell (Weh'na Ha'mu Kwasset) A roadmap for "spirit-based change" drawing on Penobscot ancestral wisdom to address modern crises. Dr. Lyla June Johnston (Scholar & Musician) A Diné (Navajo) and Cheyenne artist whose work blends hip-hop with traditional acoustics and ecological activism. Digital Culture & Media Trixie Mattel: Root Maintenance (Video/Q&A) The world-famous drag queen discusses her biracial Ojibwe heritage and navigating identity in the public eye. Rez Ball (Film) Produced by LeBron James and Sterlin Harjo A 2024 film following a Navajo high school basketball team, capturing the unique, fast-paced style of "Rezball." Next Month's Question A central part of Quakerism is our commitment to peace. But that doesn't mean we should avoid conflict. In fact, it means we have a specific responsibility to it. What is a small practice that brings you a measure of peace or stability in the midst of conflict and turmoil? Leave a voice memo at 317-QUAKERS (317-782-5377) Email us at podcast@friendsjournal.org Sponsors Quakers Today is a project of Friends Publishing Corporation. This season is sponsored by: Friends Fiduciary: Ethical investing through a Quaker lens. Learn more at FriendsFiduciary.org. American Friends Service Committee (AFSC): Challenging injustice and building peace. Visit afsc.org. For a full transcript, visit QuakersToday.org.

Lori Payne is a visionary leader, consultant, and founder of Project Blue World. Driven by the Blue Zone theory of longevity and happiness, she spearheads global initiatives from Winnipeg to foster quality of life, sustainable energy, and community development. Through international collaboration, Project Blue World empowers citizens and leaders alike to create positive, lasting change locally and worldwide. https://youtu.be/eTGQ7kbPlVU In this episode of Marketer of the Day, Lori Payne discusses Project Blue World's mission, the science and inspiration behind Blue Zones, and strategies for linking happiness, longevity, and sustainability. Lori shares insights from energy transformation projects in Manitoba and beyond, including innovative uses of hydro and biofuels, global partnerships, and the critical need for clarity in information. She highlights community-driven initiatives, avenues for direct involvement, and how anyone can contribute to a healthier planet while achieving growth and development goals. Quotes: “Project Blue World is about changing the world, project by project, country by country, so every citizen can achieve happiness and quality of life.” “We have the brains and technology, and the global commitment, to maintain our planet's atmosphere and ensure future generations thrive.” “There's so much being done behind the scenes. When knowledge is shared, and collaboration happens, communities and leaders can create real impact.” Resources: Visit Lori Payne's Website Connect with Lori Payne on LinkedIn

The Toronto Maple Leafs finish off their Western Conference road trip with a 4-3 overtime win over the Winnipeg Jets. JD Bunkis and Sam McKee break down the game and discuss Oliver Ekman-Larsson's unsung impact, what's changed for Auston Matthews, the power play starting to revert to old habits, and another tough look for Morgan Rielly. Then, they get into Nicolas Robertson's maturity, Scott Laughton's intensity, and Max Domi's overtime heroics.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

Two hours of Jets talk coming your way as we discuss the state of the NHL club of Winnipeg.

If you watched the the stretch in the 1st where Winnipeg didn't get a shot for 14 minutes there is no way you would have said the Jets would have held a 6-1 lead after 40 minutes. But they exploded for three goals in the 1st and three goals in the 2nd to take a stranglehold on the game. They gave up one more late in the 3rd but the run continues as they had now won four straight.

tl;dr Hey folks, we're changing the release to once every two months instead of once a month. It isn't fair to you guys that I keep having to give myself extensions, and, well, the actors and I all have day jobs. The episodes ARE likely to be longer going forward, and there's a non-zero chance that the hiatuses between seasons will be greatly reduced with this extra time baked into the release schedule.You guys are radical, keep surviving, and you'll hear the dulcet tones of Worker B, Winnipeg, and the rest on February 23!Crash of the Mellifera: Employee Q&A form can be found here!Follow us on tumblr at melliferacrash.tumblr.com and bluesky at mellifera-crash.bsky.social Donations can be sent to Morgan's ko-fi page at ko-fi.com/morganlanewrites.  Check out Morgan's other projects at morganlanewrites.com.

A team from the Canadian military has arrived at a northern Manitoba First Nation, which is dealing with a severe water crisis. One of the reserve's water treatment plants has been out of commission for two weeks after a power outage. More from Dan Karpenchuk. The power was out for days after a line that ran between two islands on the Nelson River broke. Although power was restored after a couple of days, the outage resulted in frozen water systems, sewer backups, electrical issues, and burst pipes. About 4,400 residents were displaced after the reserve declared a state of emergency. Pimicikamak is more than 300 miles north of Winnipeg. Chief David Monias says a seven member military team from the Joint Operational Support Group, based in Kingston, Ontario, have arrived and will provide technical assistance and support related to critical infrastructure. “The army with their engineers and their logistics people are gonna be taking a look … they're doing a site tour of the water plant right now.  Take notes and identify what needs to be fixed and assess how it needs to be fixed and what resources are required to fix it.” Monias adds that nearly every one of the 1,300 homes in the community will need some kind of repairs. And Band councillor Shirley Robinson says having so many people forced out of their homes in mid-winter is taking an emotional toll. “They really want to go home and there's a feeling of displacement that feeling of isolation, that feeling of they can't be with their community.” Monias says a second military team is due to arrive on Wednesday. Meanwhile plumbers and other skilled workers from outside the province are also on their way to Pimicikamak to help with water and electrical issues. And Monias says a US company has reached out about sending a portable water plant to the First Nation. It's not the first time Pimicikamak residents were forced to leave their reserve, many were sent south twice because of wild fires. Indigenous peoples across the U.S. have been swept up in the Trump administration's crackdown on undocumented immigrants. As KJZZ's Gabriel Pietrorazio reports, an Arizona tribe is taking steps to safeguard its tribal members. “Thank you for calling the Hualapai Tribe's message line where we encourage you to report any encounters with ICE agents.” The Hualapai Tribe near Kingman has set up a hotline. VOICEMAIL: “Please leave your name and contact information as well as the date, location and a brief description of the incident. All information received will be checked and documented by tribal administration.” Hualapai Chairman Duane Clarke is urging members to remain calm and always carry their tribal ID cards with them. His administration is also pledging to aid its 2,300 members in verifying their identity should they be held by federal authorities. This comes in the aftermath of a fatal shooting by a U.S. Immigration and Customs Enforcement (ICE) agent in Minneapolis, Minn., which is also where four members from a South Dakota tribe have been detained. A number of tribes in the Twin Cities this week are issuing tribal IDs to their citizens. Tribal leaders have been raising concerns about the safety of their citizens in the area following last week's shooting. They are encouraging their citizens to carry identification, including tribal IDs. White Earth Nation, Red Lake Nation, Bois Forte Band, Mille Lacs Band, and Leech Lake Band are among tribes holding ID events at their urban offices. Leaders of Native organizations and grassroots groups have been responding to the shooting with community safety plans, as members of the Native community have been reporting interactions with ICE. A community prayer and gathering was held Sunday and organizers are hosting “know your rights” events this week. Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out the latest episode of Native America Calling Wednesday, January 14, 2026 – A new tax law change means hundreds of millions of dollars more per year for tribes

Jan N. DeFehr is an associate professor in the Faculty of Education at the University of Winnipeg and an associate of The Taos Institute and a member of the Faculty for Palestine, Manitoba. She is also a member of the York University Mad Studies Hub. Before entering academia, she spent many years as a clinical social worker, working alongside people who were trying to make sense of their distress within, and often in spite of, the mental health system. Her teaching, research, and course development focus on building public access to critical analyses of that system, drawing on the work of clients and survivors of psychiatry, practitioners, and scholars. Her new book, A Critical Mental Health Primer: Towards Informed Choice in Social Services, Education, and Healthcare(Canadian Scholars, 2025), offers a clear and accessible map of critical mental health scholarship. The book examines scientific critiques of diagnosis, the potential harms of psychiatric labels, the lack of transparency and procedural justice in services, anti-colonial critiques of mental health premises and practices, and the evidence on psychiatric drugs and the DSM. It also gathers non-pathologizing ways of helping that center relational, dialogical, anti-oppressive, and anti-colonial approaches, along with concrete tools for informed choice and everyday support outside of the dominant medical model. In our conversation, we talk about how Jan came to adopt critical perspectives, why she sees access to critical mental health knowledge as a prerequisite for ethical practice, and what it looks like when organizations take informed choice seriously. We move through the key chapters of the book, explore its implications for social workers, educators, and health professionals, and look at how communities can build forms of care that do not depend on diagnosis or coercion. *** Thank you for being with us to listen to the podcast and read our articles this year. MIA is funded entirely by reader donations. If you value MIA, please help us continue to survive and grow. https://www.madinamerica.com/donate/ To find the Mad in America podcast on your preferred podcast player, click here: https://pod.link/1212789850 © Mad in America 2026. Produced by James Moore https://www.jmaudio.org

it's Monty Scott and Lachlan Patterson!Monty Scott asks the Big Sound Comedy Festival - what do you do at the cottage? And from Winnipeg, Lachlan Patterson might have inadvertently admitted that he's sponsored by Big Toothpick!

01/14/26: Reice Haase was appointed director of the North Dakota Department of Water Resources by Governor Kelly Armstrong in January 2025. His experience includes a blend of public and private sector experience, having previously served as deputy director of the North Dakota Industrial Commission and as senior policy advisor to Governor Doug Burgum. He joins Joel in Winnipeg at the 43rd Annual Red River Basin Land and Water International Summit Conference. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.) See omnystudio.com/listener for privacy information.

01/14/26: Ted Preister is the Executive Director for the Red River Basin Commission and joins Joel in Winnipeg at the 43rd Annual Red River Basin Land and Water International Summit Conference. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.) See omnystudio.com/listener for privacy information.

01/14/26: Rob Sip is the Executive Director at the Red River Watershed Management Board, and joins Joel in Winnipeg at the 43rd Annual Red River Basin Land and Water International Summit Conference. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.) See omnystudio.com/listener for privacy information.

01/14/26: Gwen Crawford has served as the City Administrator for Valley City, ND since 2020 continuing to add to her experience in municipal management and public communication. Previously, she served as the City Auditor/Economic Development Director for Lisbon, ND. She joins Joel in Winnipeg at the 43rd Annual Red River Basin Land and Water International Summit Conference. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

Welcome back ragers to the best movie review podcast on the planet. The rage rolls on from the Film Rage Studio. This week the Film Rage Crew went to three films in cinema. First we discuss Is This Thing On? with Will Arnett cracking wise onstage. Then The Mother and the Bear showcases beautiful Winnipeg, Manitoba. And finally the best Lucy Liu has ever been in Rosemead... according to Jim. C'mon Jim, she was pretty good in those Charlies Angels movies. Then it is the return of the Rage or Dare segment as the boys were forced to watch the 2005 version of The Fog. Introduction-0:00 Murman Predicts-1:26 In Cinema Is This Thing On? (2025)-5:22 The Mother and the Bear (2025)-18:29 Rosemead (2025)-29:26 Murman Minute-35:24 Open Rage Jim's Open Rage- Creepy commercial-47:17 Bryce's Open Rage- Popcorn ceiling-51:04 Rage or Dare The Fog (2025)-54:00 Bryce pulls from Jim's goodie bag-1:07:20 Outro-1:09:09 Thanks Ragers for listening to our film review podcast. Rage On! https://www.filmrageyyc.com/ https://filmrage.podbean.com/ https://www.facebook.com/filmrageyyc https://nerdyphotographer.com/social/ https://www.leonardconlinphotos.com/

Over the years, the legendary Motorhead has been one of the most covered artists in all of Metaldom. But as beloved and influential as they are, Lemmy and The Boys are music fans too. So Motorhead has done their fair share of covers as well. Recently, we celebrated Lemmy's Bday and mourned his passing on the 10th anniversary. So this week we decided to discuss our favorite Motorheaderized cover songs. There are some absolute bangers! In our News, Views and Tunes, we discuss some Henry Rollins spoken word albums and the recent Vinny Vincent craziness. Musically, we crank some Whiplash, Raw Power, Old Funeral, Dissection (Can), Executioner Steel and we introduce Winnipeg black metallers Primordial Serpent in our Indie Spotlight. Horns up!! 

Zach Dooley (LA Kings Insider) joins host Jesse Cohen to crown a King of the Week and recap the fourteenth week of the 2025-26 season. The Kings went 2-1-1 over the week and capped it off with a 4-3 Shootout win over the Edmonton Oilers. The pair also discuss the roster decisions with key players out of the lineup and what the remaining schedule means for potential trades.

Visit Power 97: https://power97.com/ This interview aired October 2025 in the lead-up to the live book release event at Public Domain in Winnipeg. 

When a team loses, it's one thing. When it gets blown out, it's another. When that blowout comes in the form of surrendering 10 goals in front of a national TV audience, you're in pretty hot soup and that's exactly what the New York Rangers are in following one of their most embarrassing losses in recent memory.Vic and Neil break it down and also look at the reversal of fortune in Toronto, the first steps taken by Winnipeg in an attempt to get back into the Western Conference playoff picture and some unrest in New Jersey as the slumping Devils sit a veteran defenseman.X: https://twitter.com/NHLWraparoundNeil Smith: https://twitter.com/NYCNeilVic Morren: https://www.linkedin.com/in/vic-morren-7038737/NHL Wraparound Instagram:https://www.instagram.com/nhlwraparound/#NHLWraparound #NHLWraparound.com #ShortShifts #NYCentric #CelebritySeries #HallofFameEdition #StanleyCupdate #SummerCoolers #Smith'sPix #NeilSmith #VicMorren #PatrickHoffman #NHL #SummerCoolers #AnaheimDucks # #BostonBruins #BuffaloSabres #CalgaryFlames #CarolinaHurricanes #ChicagoBlackhawks #ColoradoAvalanche #ColumbusBlueJackets #DallasStars #DetroitRedWings #EdmontonOilers #FloridaPanthers #LosAngelesKings #MinnesotaWild #MontrealCanadiens #NashvillePredators #NewJerseyDevils #NewYorkIslanders #NewYorkRangers #OttawaSenators #PhiladelphiaFlyers #PittsburghPenguins #StLouisBlues #SanJoseSharks #SeattleKraken #TampaBayLightning #TorontoMapleLeafs #UtahMammoth #VancouverCanucks #VegasGoldenKnights #WashingtonCapitals #WinnipegJets #ChrisDrury #BillGuerin #MikeSullivan #JonathanQuick #SpencerMartin #MikaZibanejad #JTMiller #AlexisLafreniere #AdamFox #IgorShesterkin #WillCuylle #MaratKhustnutdinov #PavelZacha #DavidPastrnak #AndyHebenton #DeanPrentice #JoonasKorpisalo #WilliamNylander #JakeMcCabe #CraigBerube #BradTreliving #SteveSullivan #MarcSavard #EricComrie #VladislavNamestnikov #ConnorHellebuyck #KevinCheveldayoff #ScottArniel #MikeYeo #JohnathanKovasevic #DougieHamilton #SheldonKeefe #TomFitzgerald #JacobMarkstrom #JackHughes #AlexOvechkin #ConnorMcDavid #NathanMacKinnon #TrentMinor #DrewCommesso #ConnorBedard #JaccobSlavin #KaidenGuhle #BryanRust #ColinMiller #StefanNoesen #ZackMcEwen #AlexKerfoot #CarterHart #ThatcherDemko #QuinnHughes #AdamFoote #JamesReimer #LinusUllmark #LeeviMerilainen #SteveYzerman #CamTalbot #GrantFuhr #PhilipBroberg #MarkStone #BraydenSchenn #PatriceBergeron #LukeSchenn #JonathanAspirot #DonSweeney #MarcoSturm #NikitaZadorov #SergeiFedorov #JacobTrouba

The Puzzle-Master Jesse Bergen unlocks the door to the studio and joins the show. After blaming their guest for their inconveniences, Kevin updates the crew on some insane traffic accidents that have happened near his restaurant in Winnipeg.Jesse makes the boys get their Jay Leno on before the trio slide into Heardle territory once again.0:00 Intro and Check In15:50 Kevin's Traffic Report27:07 Headlines: Resurrections48:28 HeardleJimmy Gatliff:https://www.instagram.com/32doublegKevin Ramberran:Club Soda Improv:https://www.instagram.com/clubsodaimprovThomas TolesTrigger Happy:https://www.instagram.com/triggerhappycomedy/Motorcycle Rocketship:https://www.instagram.com/motorcyclerocketship/Secret Family Sketch:https://www.instagram.com/secretfamilysketch/Blueprint (First Draft) @ IO Chicago:https://ioimprov.com/shows/Check out our DnD show: 'What We Do in the Basement': https://podcasts.apple.com/ca/podcast/what-we-do-in-the-basement/id1552947049FOLLOW Oops All Segments on Instagram: www.instagram.com/oopsallsegmentsFOLLOW Oops All Segments on TikTok: www.tiktok.com/@oopsallsegmentsSUBSCRIBE to Oops All Segments on YouTube: www.youtube.com/@oopsallsegments

Boomer, Pinder and Rhett are joined by TSN's Darren Dreger to break down the Winnipeg Jets' brutal skid, now sitting at 11 straight losses. What happens next for this team? Something has to give, and Dreger speculates that a trade could be coming — but just how big will it be? The guys discuss whether a major shake-up is needed, what pieces could be moved, and how desperate things have become in Winnipeg.VIDEO LINK: https://youtu.be/77oCqtsqs_s#nhl #nhlshorts #nhlplayoffs #nhlpredictions #nhlhockey #nhlpicks #stanleycup #stanleycupfinal #winnipegjets #winnipeg CHECK OUT OUR STUFF ⬇️BARN BURNER MERCHhttps://nationgear.ca/collections/shirts/FlamesnationBARN BURNER SHORTS https://youtube.com/playlist?list=PLj_bcGtvvo-cW2DHEDZ6dEO5ePDmlhZc9&si=jo8iNGxT4ImhS2Y8

On Episode 610 of Spittin' Chiclets, Biz recaps hosting Mintzy and a trip to the Fiesta Bowl. We break down Sweden winning World Juniors, the Devils' meltdown, Winnipeg's struggles, and an unreal MVP race featuring Celebrini, MacKinnon and McDavid. Tune in. You won't want to miss it. Support the Show: Pink Whitney: Take Your Shot with Pink Whitney Amazon Prime: • Prime Monday Night Hockey is available free to Prime members in Canada. Start your free trial: www.primevideo.com • For the full Prime Monday Night Hockey schedule, visit https://www.primevideo.com/salp/nhl.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/schiclets

In this edition of 32 Thoughts, Kyle Bukauskas and Elliotte Friedman react to the controversy in Ottawa following an anonymous tweet, while also breaking down a dominant 8–2 night for the Avalanche (15:00). The guys discuss Jesperi Kotkaniemi's painful omission from Finland's Olympic roster and the growing sense he may need a fresh start (17:01), along with tough losses for Winnipeg and New Jersey and pointed comments from Sheldon Keefe (24:27). They unpack the Binnington–Hofer incident (34:40), ongoing questions around the Milan Olympic arena and logistics (37:40), and trade chatter ranging from Laurent Brossoit to San Jose (49:20) to Brayden Schenn being linked to Toronto (47:25), while also touching on Macklin Celebrini's MVP-caliber season (51:00) and Patrick Kane reaching 500 goals (1:00:55). The Final Thought looks ahead to the NHL Draft heading to Buffalo (1:04:01)Kyle and Elliotte answer your emails and voicemails in the Thoughtline (1:10:56). In the final segment, Kyle and Elliotte speak with the owner of the Utah Mammoth Ryan Smith following the NHL's announcement that the 2027 Winter Classic will be held in Utah (1:31:17).Today we highlight Montreal based singer songwriter mekel and her single NEEDIT. Check her music out here.Listen to all the 32 Thoughts music here.Email the podcast at 32thoughts@sportsnet.ca or call the Thought Line at 1-833-311-3232 and leave us a voicemail.This podcast was produced and mixed by Dominic Sramaty and hosted by Elliotte Friedman & Kyle Bukauskas.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates

Bizarre scenes in Chicago saw Jordan Binnington being told to leave the crease after giving up his 7th goal, but he stayed put as backup Joel Hofer was nowhere to be found. New Jersey’s 9–0 loss to the Islanders came despite dominating shots on goal, with Jacob Markstrom left in for all nine goals. There are bigger problems for the Devils than just this one terrible outcome. Winnipeg’s stunning 11-game skid has last season’s Presidents’ Trophy champs sitting dead last at the halfway mark, with Ray noting the roster aged into one of the league’s oldest and visibly slower teams, exposing depth issues beyond their top line. In Toronto, Auston Matthews has rediscovered his superstar form since Christmas, inspiring the room after a baffling 35-game slump and underscoring how much influence elite players quietly carry. Finally, the Islanders’ resurgence has put 19-year-old Matthew Schaefer in the spotlight; while one player rarely flips a team, this kid’s infectious energy has clearly lifted teammates even at 22 minutes a night, injecting a new, faster identity into the club.See omnystudio.com/listener for privacy information.

In this edition of 32 Thoughts, Kyle Bukauskas and Elliotte Friedman start with Matthew Schaefer's memorable “flu game” and Kyle's recent interview, before discussing the impact Schaefer has already had on Long Island. The guys run through injury concerns around Gabriel Landeskog and Devon Toews (19:37), surprising seasons from the Penguins and Sharks (23:39), Darren Raddysh's breakout in Tampa (27:21), and a rough night for Luke Hughes as New Jersey continues to feel the fallout of missing out on Quinn Hughes (29:28). They touch on a strong Canadiens road trip with Juraj Slafkovský coming into his own (42:38), trade and contract chatter surrounding Kiefer Sherwood and Andrew Mangiapane (49:23), and mounting frustration in Winnipeg amid a nine-game skid (1:00:03). Elliotte also clarifies Olympic officiating comments ahead of Milan (1:02:36), while the Final Thought reflects on Canada's loss to Czechia in the World Junior semifinal (1:13:11).Kyle and Elliotte answer your emails and voicemails in the Thoughtline (1:22:02). In the final segment, Kyle and Elliotte speak with Toronto Maple Leafs legend Matts Sundin after Auston Matthews broke his franchise goals record (1:41:38) and we announce the winners of the tickets to our live show in Moncton on Hockey Day in Canada. Today we highlight Hamilton pop group Superstar Crush and their track U Fold, I Fold. Check out their music here.Listen to all the 32 Thoughts music here.Email the podcast at 32thoughts@sportsnet.ca or call the Thought Line at 1-833-311-3232 and leave us a voicemail.This podcast was produced and mixed by Dominic Sramaty and hosted by Elliotte Friedman & Kyle Bukauskas.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates

In this edition of 32 Thoughts, Kyle Bukauskas and Elliotte Friedman react to the unveiling of the U.S. Olympic roster for Milan and the team's “unfinished business” mindset, including the surprise omission of Jason Robertson. The guys break down the Swedish (30:21) and Finnish (34:49) Olympic rosters, the fallout from Connor Bedard (41:05) and Mark Scheifele (46:27) missing out, and growing frustration in Winnipeg as the Jets slide down the standings (48:41). They discuss the buzz around the Winter Classic in Miami and how the NHL can better capitalize on the event, and why any suggestion of special treatment around Brad Marchand is off base (55:38). The segment wraps with optimism around a fun, young Buffalo Sabres team chasing an 11th straight win (1:04:32), and a Final Thought on James Reimer's name resurfacing as a potential NHL goaltending option (1:07:45).Kyle and Elliotte answer your emails and voicemails in the Thoughtline (1:11:04). Today we highlight Nova Scotia's 3-piece rock back The Boojums and their track Burnin Up. Check them out here.Listen to all the 32 Thoughts music here.Email the podcast at 32thoughts@sportsnet.ca or call the Thought Line at 1-833-311-3232 and leave us a voicemail.This podcast was produced and mixed by Dominic Sramaty and hosted by Elliotte Friedman & Kyle Bukauskas.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates

Today, this is what's important: Holiday cards, gifts, winter, smoking, Winnipeg, workwear, & more. Click here for more information about the This Is Important Cruise Feb 22nd-26th!See omnystudio.com/listener for privacy information.