Episodi
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From drinks executive to diplomat, adventure travel outfitter to creator of Canada's largest chain of veterinary clinics, David Farran is a pioneer.
David connects a love for agriculture, a deep understanding of craft artisanal spirits and a conviction that Alberta should be the home of 'best in class' distilled products. David's storied career gave him a special skill set to support the founding of Alberta's first craft distillery.
David's awards and accolades include Ernst & Young's Entrepreneur of the Year, Canada's 50 Best Managed Companies, Alberta's 50 Most Influential People and many others.
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Dr. Anmol Kapoor is an experienced Cardiologist, Entrepreneur, Philanthropist, Humanitarian, Innovator, and founder of many successful healthcare ventures. His interests are in Artificial Intelligence, Genomics, Blockchain technologies.
In medicine, his interests are in primary and secondary prevention of cardiac diseases, vascular medicine, epidemiology, heart failure, genomics, women's health and health initiatives in visible minorities.
He completed medical school in Russia and gained technical knowledge in the management of information systems at the University of Lethbridge. Strong healthcare services professional with a Internal Medicine residency at the University of Alberta and completed Cardiology residency at the University of Manitoba. He mastered Carotid Ultrasounds at the Cleveland Clinic.
He is an author, a public speaker and an International award winner for his work in the field of improving healthcare outcomes in vulnerable minorities and women.
Dr. Anmol Kapoor also founded BioAro, a biotechnology company specializing in genomics, artificial intelligence and blockchain technologies. BioAro offers Whole Genome Sequencing, Microbiome testing, and software solutions.
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
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Sir Darren Jacklin stands as a paragon of professional achievement and philanthropic dedication, with a career marked by significant accomplishments and a life dedicated to global impact.
Over 25 years, he has personally trained executives and teams from 157 Fortune 500 companies, showcasing his unparalleled expertise in corporate training and personal development.
A seasoned world traveler, Sir Darren has visited over 50 countries across four continents, enriching his global perspective and enhancing his ability to connect with diverse audiences.
As a world-class speaker and corporate trainer, he has shared his knowledge with over 1 million people worldwide, directly impacting countless lives through his engaging and transformative educational sessions.
His prowess and influence have been recognized at some of the highest levels of the financial world, having had the honor of ringing the Closing Bell at Nasdaq three times and the Opening Bell at the CBOE Exchange in Chicago for Vocodia Holdings Corp. (VHAI), further cementing his standing in the global business community.
Beyond his professional endeavors, Sir Darren's commitment to philanthropy is profound.
He is actively engaged in raising $100 million for Global Philanthropy Projects, channeled through his International LY2NK Foundation and Elevate 2 Educate (E2E) initiatives.
His work aims to create sustainable, positive change across the globe, reflecting his dedication to leveraging his success for the greater good.
Sir Darren's business acumen is also evident in his role as the first Independent Board of Directors Member of eXp World Holdings (Nasdaq: EXPI), a multi-billion dollar international real estate company.
His decade-long service to the company is a testament to his strategic vision and leadership, contributing to the growth and success of over 85,000 licensed real estate agents and brokers in 24 countries.
His advisory roles extend to multiple international boards across various sectors, including real estate, cyber security, artificial intelligence, and travel, where his insights and expertise continue to drive innovation and growth.
As an investor and partner in multiple international companies, Sir Darren's entrepreneurial spirit and financial acumen have not only contributed to his status as a multimillionaire but have also inspired and facilitated numerous ventures across the globe.
An acclaimed international author, his book "UNTIL I BECOME" has empowered and motivated a global audience, sharing his journey and the lessons learned along the way.
His contributions to global philanthropy and entrepreneurship were formally recognized in 2022 when he was knighted by His Royal Highness of The Royal Order of Cappadocia from Spain, a prestigious acknowledgment of his efforts to make a tangible difference worldwide.
Sir Darren's adventurous spirit and commitment to challenging himself are demonstrated by his successful summit of Mount Kilimanjaro in 2023 and his planned expedition to Mount Vinson in Antarctica in 2025 to raise funds for his philanthropic foundation.
With over 7,000 written goals, Sir Darren Jacklin's life is a testament to the power of ambition, discipline, and the desire to leave a lasting impact on the world.
His journey reflects a relentless pursuit of excellence, both personally and professionally, and a deep-rooted commitment to making a difference in the lives of others.
"Get ready for an inspiring conversation with Sir Darren Jacklin, a man who embodies achievement and philanthropy.
Over 25 years, he's trained executives from 157 Fortune 500 companies, traveled to over 50 countries and inspired over a million people through his speaking.
He's even rung the Nasdaq Closing Bell three times! Sir Darren's dedication to global change shines through his International LY2NK Foundation, aiming to raise $100 million for philanthropy.
As the first independent board member of eXp World Holdings, he's a leader in real estate and beyond.
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
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In this video interview, Juliette Nicolaÿ, Policy Analyst with the Canadian Federation of Independent Business, discusses the importance of the Temporary Foreign Worker program to the national economy.
Juliette Nicolaÿ
PRESS RELEASETORONTO, June 12, 2024 /CNW/ – As Ottawa is looking to overhaul its Temporary Foreign Worker (TFW) program, most agri-businesses (59%) say they would be in favour of a multi-employer work permit as an option, to enable employers to share a foreign worker, finds new research by the Canadian Federation of Independent Business (CFIB).
However, the majority of agribusiness owners don’t support sectoral and/or regional work permits whether it’s under the current (59%) or a new program structure where a third party would recruit and dispatch a pool of foreign workers (50%), as they fear such permits could facilitate employee poaching and hinder retention.
“While government is reviewing its TFW program, it needs to consider the practical needs of agri-businesses and the future of Canada’s food security,” said Juliette Nicolaÿ, CFIB’s policy analyst. “Farmers are already struggling with chronic staffing shortages and when they turn to foreign labour, it’s only as a last resort because they can’t find anyone locally. That’s concerning given Canada’s ageing population and a perceived lack of interest among Canadian workers in a career in agriculture.”
CFIB data found that three in 10 agri-businesses hired foreign workers in 2023. The reliance on foreign workers is even more pronounced in certain regions, such as Quebec (51%), and sub-sectors characterized by labor intensive tasks, such as the fruits, vegetable and horticultural specialties (64%). According to Employment and Social Development Canada (ESDC), among employers who hired TFWs, 92% said foreign workers helped them meet demand for their products or services, while 89% said that TFWs helped them stay in business.
Myths surrounding TFWsThere are many misconceptions around the program such as that TFWs aren’t paid sufficient wages or they’re mistreated by their employers. In fact, most (85%) TFWs are paid the same wage as Canadians, and only 3.5% are paid less. The federal government also conducts regular inspections to ensure health and safety of foreign workers, with 94% of employers inspected found to be compliant on 26 different criteria, according to ESDC.
“While there may be isolated bad actors that should not be tolerated, agri-businesses highly value foreign workers, and they take time and effort to bring TFWs to Canada. They cover costs that go beyond wages like housing, transport, and health care. It is also common for farmers to have the same TFWs come back year after year. Some also sponsor foreign workers to become permanent residents,” said Francesca Basta, CFIB’s research analyst.
To improve the TFW program’s efficiency, the federal government should consider:
Reducing red tape associated with hiring TFWs, notably streamlining the Labour Market Impact Assessment (LMIA) processAllowing for the sharing or transferring foreign workers as an option (e.g., multi-employer work permit)Indexing the housing deduction to inflation – it is currently $30, which does not reflect real housing pricesAllowing employers to match the wages offered by another employer with an LMIA in the same area to strengthen retention and curtail poaching. Provisions under the Employer Compliance Regime currently limit this.Reimbursing the employer for the costs associated with the administration and enforcement of the compliance inspection, should the LMIA not be issuedIntroducing a mechanism to compensate initial costs covered by the employer whose employee has been poached and streamlining access to new TFWs.Read the full Harvesting a solution: Temporary Foreign Workers (TFWs) key to mitigating agricultural labour shortages report here.
About CFIBThe Canadian Federation of Independent Business (CFIB) is Canada’s largest association of small and medium-sized businesses with 97,000 members across every industry and region. CFIB is dedicated to increasing business owners’ chances of success by driving policy change at all levels of government, providing expert advice and tools, and negotiating exclusive savings. Learn more at cfib.ca.
Mario Toneguzzi
Mario Toneguzzi is Managing Editor of Canada’s Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024.
About Us
Canada’s Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast.
With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders.
The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada’s Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story
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Dan Kelly, President of the Canadian Federation of Independent Business, discusses the impact of the capital gains inclusion rate on small businesses.
Check out this video interview.
PRESS RELEASEToronto, June 20, 2024 – Half of Canada’s small business owners will be hit by the new 66.7% inclusion rate hike coming into effect on June 25, warns the Canadian Federation of Independent Business (CFIB).
Despite government’s claim that the rate would affect only a tiny share of the wealthiest Canadians, over half (55%) of small business owners say it will affect the eventual sale of their business, 45% say it will affect the investments they hold privately, and 41% say it will affect investments held within their incorporated businesses.
“Even the federal budget admits that 307,000 Canadian corporations had net capital gains in 2022 alone. Like individual Canadians, companies often record capital gains as a one time or occasional event, not every year. The impact of the hike in the inclusion rate needs to be measured over the long term, not just in any one given year,” said Dan Kelly, CFIB president.
While the federal government has proposed a welcome increase in the Lifetime Capital Gains Exemption, this will not help business owners who sell the assets, rather than the shares, of their company. In addition, business owners who hold investments within their corporations for the owner’s retirement or for reinvestment in the company will be hit by the 66.7% inclusion rate on any capital gain as corporations are ineligible for the $250,000 annual allowance at the 50% level.
“With details of the changes in the inclusion rate only coming out in last week’s Ways and Means Motion, business owners were only given two weeks to make informed decisions, leaving virtually no time to change gears. And details of the proposed Canadian Entrepreneurs’ Incentive have yet to be published, leaving entrepreneurs largely in the dark on this potentially beneficial change,” Kelly added.
CFIB continues to push the government to:
1. Scrap the planned increase in the general inclusion rate to 66.7%. If government is unwilling to abandon this plan, it should:
Grandfather all existing capital gains using a V-Day (valuation day) as was done in 1971Allow corporations to benefit from $250,000 each year at 50% inclusion like individualsAllow for 5-year income averaging to benefit from the $250,000 annual threshold for larger capital gains for irregular events, like selling a property2. Expand the new Canadian Entrepreneurs’ Incentive to include all entrepreneurs:
Include all sectors, including farmers and fishers selling assetsInclude non-founders to encourage people to invest in small firmsCut the 10-year implementation schedule in halfRead CFIB’s letter for a full list of recommendations on the proposed capital gains changes.
Mario Toneguzzi
Mario Toneguzzi is Managing Editor of Canada’s Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024.
About Us
Canada’s Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast.
With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders.
The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada’s Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story
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In this video interview, Sandra Odendahl, Senior Vice President & Head of Sustainability, Diversity & Social Impact at BDC, discusses the challenges Indigenous and Black-led businesses continue to face in Canada and what BDC is doing to help the situation.
PRESS RELEASEMontreal, June 19, 2024 – The faces of entrepreneurship are changing. Despite a two-decade decline in the overall entrepreneur population, the number of Indigenous and Black-led businesses is growing, counteracting this trend. To ensure these business creators can thrive, BDC has created a dedicated Inclusive Entrepreneurship team, is launching a $50 million financing and training program, and investing $200 million in Indigenous and Black-led businesses.
“Too many underrepresented entrepreneurs continue to face the same barriers that existed a decade, or even a generation ago,” said Isabelle Hudon, President and CEO, BDC. “Despite a lot of positive strides, we just aren’t moving quickly enough. It’s clear a one-size-fits all approach does not work and, like the entrepreneurs we serve, we must innovate. The initiatives announced today are part of BDC’s efforts to drive greater economic impacts and increase productivity.”
As a development bank, BDC takes on more risk to help entrepreneurs and grow the economy. The bank identifies market gaps, and partners with others to create solutions that address the unique challenges faced by entrepreneurs and that mainstream lenders can use. Using this same innovative approach, BDC is aiming to propel more businesses with three key initiatives.
The bank’s new Inclusive Entrepreneurship Team leads with an inclusion mindset and puts that intention at the centre of every client experience. They have increased accountability with measurable targets around business development, and entrepreneur training and are already testing regional programs with business centres to better serve entrepreneurs where they are.
Recognizing the barriers are highest, and trust is lowest, among the smallest and earliest-stage businesses, their first act was creating a new $50M program that provides loans, plus training, for businesses that are majority-owned by women, Indigenous and Black entrepreneurs and have revenuesunder $3 million.
Lastly, BDC Capital, BDC’s investment arm, is creating two new $100M platforms to support Indigenous and Black-led businesses. This will complement the $500M Thrive Platform for Women (launched in 2022) which includes Indigenous and Black women entrepreneurs. The team is currently working to hire key roles from the Black and Indigenous communities and collaborating with them to design and set objectives for the platforms. More details will come later this year.
“A critical driver of creating intergenerational wealth for Black communities is equitable support for Black-owned businesses,” said Lise Birikundavyi, Managing Partner, BKR Capital. “With less than 0.5% of venture capital dollars in North America going towards Black entrepreneurs, there is a clear gap to fill. Since we started our fund focused on Black founders, we have seen an incredible amount of quality opportunities, and we believe it is great news to see an organization like BDC join forces to create a more diversified and robust venture capital industry.”
These initiatives expand BDC’s long-standing support for diverse entrepreneurs. Last year, BDC increased its women and Indigenous clients by 11% and 22% respectively. To date, BDC has committed over $8B dollars to underserved business owners directly through programs like the IndigenousEntrepreneur Loan and Thrive Fund, and indirectly through partners like Futurpreneur, FACE, NACCA, BKR Capital, and Raven Capital. Hundreds of free education resources are also available at bdc.ca. BDC’s mission is to support Canadian entrepreneurs to build strong and resilient businesses and, in doing so, contribute to creating a more prosperous, competitive, and inclusive Canada. Its corporate values – United for Entrepreneurs, Powered by People, and Courageously Impactful – are the building blocks of BDC’s corporate DNA. These values connect what the organization stands for to how it delivers on its mandate and corporate strategy.
Additional Quotes“Indigenous Peoples are among the fastest growing populations in Canada and represent the highest growing segment of entrepreneurs,” said Althea Wishloff (Gitxsan Nation, Fireweed Clan), General Partner, Raven Indigenous Capital Partners. “At Raven, we have learned that taking a platform approach, supporting, and mentoring founders, while providing equity and equity-like capital in a culturally sensitive way is of utmost importance. We look forward to the growth of the ecosystem, new businesses being born and new co-investors emerging.”
“Women make up half our population and workforce, yet less than 20% are majority owners in Canadian businesses,” said Marwa Abdou, Senior Research Director, Canadian Chamber of Commerce. “Our most recent report found progress is moving at a glacial pace in entrepreneurship and representation and unless radical changes are made, gender parity is more than a century away. It’s great to see organizations like BDC continuing to invest new and innovative approaches like the Thrive Platform which is the world’s largest venture fund in the world for women.”
About BDCAs Canada’s bank for entrepreneurs, BDC is a partner of choice for all entrepreneurs looking to access the financing and advice they need to build their businesses and tackle the big challenges of our time. Our investment arm, BDC Capital, offers a wide range of risk capital solutions to help grow the country’s most innovative firms. We are one of Canada’s Top 100 Employers and Canada’s Best Diversity Employers. BDC was the first financial institution in Canada to receive the B Corp certification in 2013 and it is the B Corp movement’s national partner in Canada. For more information on BDC’s products and services and to consult free tools, templates and articles, visit bdc.ca or join BDC on social media.
Mario Toneguzzi
Mario Toneguzzi is Managing Editor of Canada’s Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024.
About Us
Canada’s Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast.
With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders.
The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada’s Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story
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Phil Soper, president and chief executive officer, Royal LePage, discusses why renters still want to buy a home despite the costs.
Video interview can be seen here.
Phil Soper
PRESS RELEASETORONTO, June 20, 2024 /CNW/ – One third of Canadians live in rental accommodations, and that figure has been gradually increasing in recent years, as affordability challenges in the resale market persist. According to a recent Royal LePage survey, conducted by Hill & Knowlton, 27 per cent of Canadians who currently rent their home say they plan to purchase a property in the next two years. Among those aged 18 to 34, that figure jumps to 40 per cent. Meanwhile, 69 per cent of renters say they do not plan to buy a home in the near future. Among them, more than half (54%) do not feel their income will be sufficient to afford a property in the area where they wish to live (61% among respondents aged 18 to 34).
“The rental sector is not immune to the significant affordability challenges stemming from Canada’s acute housing shortage. High mortgage rates have made it difficult for many to purchase a home, forcing some to move into, or remain longer than planned, in the rental market,” said Phil Soper, president and chief executive officer, Royal LePage. “Despite a short-lived decline in prices and demand for rental units during the height of the COVID-19 pandemic, the available supply of rental properties in most major markets remains ultra low.”
Of renters who say they plan to buy within the next two years, half (50%) say they will have a down payment of less than 20 per cent. Twenty-six per cent say they will put 20 per cent down, while 15 per cent say they will have a down payment of more than 20 per cent. In Canada, mortgage insurance is required for homes purchased with less than 20 per cent down.
When asked how they will come up with their down payment, 53 per cent of respondents said they will use savings accumulated over the years, while 46 per cent said they will take advantage of the First Home Savings Account (FHSA), and 29 said they will draw on their RRSPs using the Home Buyer’s Plan (HBP). Twenty-five per cent said they will use a financial gift from family or an inheritance. Respondents were able to select more than one answer.
Forty-four per cent of renters planning to purchase in the next two years believe they will be able to afford a home in their current city of residence, while 37 per cent do not. Among those who don’t believe they can buy in their current location, 40 per cent say they will have to travel more than 50 kilometres to buy within their budget, while 21 per cent believe they will have to search for a property within a 31-50 kilometre radius and 18 per cent say they would need to look within a 16-30 kilometre radius. Only 9 per cent of respondents are confident they could buy within 15 kilometres of their current location.
According to the Royal LePage 2024 Most Affordable Canadian Cities Report, 50 per cent of people living in the greater regions of Toronto, Montreal and Vancouver, say they would consider relocating to a more affordable city, if they were able to find a job or work remotely. Among renters in these regions, 60 per cent say they’d be willing to relocate, while 45 per cent of current homeowners say they would consider it.
“We know that Canadians widely consider home ownership a worthwhile long-term investment and a quintessential part of the Canadian dream. So much so, that many are willing to relocate in order to make their home ownership dreams a reality. This is especially true for young Canadians and those who have remote work flexibility. I believe we will continue to see migration from southern Ontario and high-priced regions in B.C. to more affordable markets across the country in the future,” said Soper.
Nearly a third of renters hoped to buy prior to signing their lease
Before signing or renewing their current lease, 29 per cent of Canadian renters say they considered purchasing a property. Among them, 41 per cent say the lack of a sufficient down payment led to their decision to rent instead.
“While a third of Canadian adults are currently renting, and there are families who are perfectly content doing so, the desire for home ownership remains strong among a large portion of this segment of the population. Our latest research reveals that a material number of renters wish to transition to home ownership. Understandably, the greatest barrier to entry is the ability to drum up the initial capital for a down payment,” continued Soper.
When asked about the motivating factors behind their decision to continue renting rather than buy, approximately one third of respondents said they were waiting for interest rates (33%) and property prices (30%) to decrease. Twenty-two per cent said they are continuing to rent while saving for a down payment, and 20 per cent said they did not qualify for a mortgage. Respondents were able to select more than one answer.
“Earlier this month, the Bank of Canada announced its first rate cut in more than four years. Falling borrowing costs will lower the threshold to qualify for a mortgage, helping renters become owners. However, this creates a double-edged sword. Increased competition as they enter the market will put additional pressure on property values. While some will wait for home prices to become more reasonable, Canada’s housing shortage will leave them waiting indefinitely,” added Soper.
Rising rents and low vacancy rates
Nearly four in ten Canadian renters (36%) spend up to 30 per cent of their net income on monthly rental costs. Meanwhile, roughly the same amount of renters (37%) spend between 31 and 50 per cent of their income on rent, and 16 per cent spend more than 50 per cent. In Canada’s most expensive housing markets, Vancouver and Toronto, the proportion of renters who spend more than half of their income on rental costs increases to 27 per cent and 19 per cent, respectively. That figure dips to 10 per cent in Montreal.
According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent nationally for a two-bedroom unit in October 2023 was 8.0 per cent higher than a year prior. Vacancy rates sat at 1.5 per cent and 0.9 per cent, respectively, for purpose-built rental buildings and condominium apartments.
“From coast to coast, Canadians are struggling with housing affordability in the wake of one of the most aggressive interest rate hike campaigns in history. Across many regions, rental demand vastly exceeds supply, making affordable housing a challenge. The housing industry and government must collaborate on innovative solutions to increase inventory, including rentals, and support those most impacted by these escalating market conditions,” concluded Soper.
The 2024 federal budget, released on April 16th, announced several measures intended to more effectively protect tenants and strengthen their path to buying real estate. In addition to a renewed commitment to incentivize purpose-built rental buildings, a highlight was the creation of the Canadian Renters’ Bill of Rights, which proposed a national standardized lease agreement and the disclosure of a property’s rental price history. In addition, and perhaps most intriguing, this bill also proposed a recommendation for financial institutions to allow tenants to report their rental payment history to credit bureaus in order to better their credit scores, thereby strengthening their future mortgage applications.
Royal LePage 2024 Canadian Renters Report – Data Chart:rlp.ca/2024-Canadian-Renters-Report-Chart
ATLANTIC CANADA
In Atlantic Canada, 28 per cent of renters say they considered buying a property rather than renting before signing or renewing their lease. Looking ahead, 22 per cent say they plan to purchase a property in the next two years, while 59 per cent will not.
“The rental market is shifting. Construction of purpose-built rental properties has drastically increased as the city’s population continues to grow. Government programs and development incentives have encouraged the creation of new rental supply in Halifax. Newer buildings tend to attract newcomers who are not able to qualify for a mortgage right away, but want a high-quality place to live as they get established,” said Scott Moulton, sales representative, Royal LePage Atlantic in Halifax, Nova Scotia. “We saw a wave of residents from Ontario and other parts of the country come to the East Coast during the height of the pandemic. And, as was the case in the resale market, rental prices were also pushed up as demand swelled. This mass migration has since died down.”
Moulton added that institutional landlords are the predominant supplier of rental stock in the Halifax region, particularly downtown. Rising interest rates have not had a profound impact on property management companies who have been able to cope with elevated costs compared to smaller-scale or individual landlords.
According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Halifax for a two-bedroom unit in October 2023 was 11.0 per cent higher than a year prior. The vacancy rate in purpose-built rental buildings remained extremely low at one per cent.
Among renters living in Atlantic Canada, 29 per cent spend up to 30 per cent of their net income on monthly rent costs, while 38 per cent spend between 31 and 50 per cent of their income, and 24 per cent spend more than 50 per cent.
“There is a desire to build rental supply in Halifax, but permitting and application approvals are both time consuming and expensive,” said Moulton. “More rental inventory is required to ease the region’s housing supply shortage, but it will take many years for such buildings to be completed.”
Royal LePage 2024 Canadian Renters Report – Data Chart:rlp.ca/2024-Canadian-Renters-Report-Chart
QUEBEC
July 1st is known as moving day in Quebec, the province with the highest percentage of renters per capita in Canada.5 Leading up to this date, 28 per cent of Quebec renters say they considered buying a property rather than renting before signing or renewing their lease. Among them, 42 per cent say they are waiting for property prices to go down, 41 per cent are holding off for interest rates to decrease, and 37 per cent say the lack of a sufficient down payment led to their decision to rent instead. Respondents were able to select more than one answer.
Looking ahead, 22 per cent say they plan to purchase a property in the next two years, while more than half (58%) will not. Of those planning to purchase, 40 per cent believe they will be able to afford to buy a property in their current city of residence. Of those not planning to purchase a property in the next two years, 51 per cent say it is because they do not believe their income will allow them to afford the property they desire.
“The results of this survey highlight the challenges faced by Quebec renters in the current context of a housing supply shortage,” said Geneviève Langevin, residential and commercial real estate broker, Royal LePage Altitude in Montreal. “However, the desire to become a homeowner persists for many, despite the financial obstacles, which is encouraging since this trend will continue to put pressure on public policy-makers to create housing that meets demand and population growth.”
According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Montreal for a two-bedroom unit in October 2023 was 7.9 per cent higher than a year prior.6 Vacancy rates sat at 1.5 per cent and 1.3 per cent, respectively, for purpose-built rental buildings and condominium apartments.
While 2023 saw record low housing starts in Quebec, CMHC expects the province to see a more vigorous increase than elsewhere in Canada in 2024.7 However, new residential developments will remain too few to meet growing demand.
“The gradual easing of interest rates, which began with the first cut in the Bank of Canada’s key lending rate on June 5th, should stimulate construction in the rental market. However, this expected increase in housing starts will not have an immediate impact on the province’s housing supply,” said Langevin. “I’m pleased to see that the various levels of government have begun to think together about alternatives for rapidly increasing housing supply. Unfortunately, the results of these concerted efforts will take time to materialize.”
Royal LePage 2024 Canadian Renters Report – Data Chart:rlp.ca/2024-Canadian-Renters-Report-Chart
ONTARIO
In Ontario, 30 per cent of renters say they considered buying a property rather than renting before signing or renewing their lease. Among them, 47 per cent say the lack of a sufficient down payment led to their decision to rent instead. Twenty-eight per cent say they are waiting for property prices to go down, while 26 per cent are holding off for interest rates to decrease. Respondents were able to select more than one answer.
Looking ahead, 31 per cent say they plan to purchase a property in the next two years, while nearly half (49%) will not. Of those planning to purchase, 43 per cent believe they will be able to afford to buy a property in their current city of residence. Of those not planning to purchase a property in the next two years, 61 per cent say it is because they do not believe their income will allow them to afford the property they desire.
“For many, renting is an inevitable step on the path to home ownership, as saving to buy a home in one of Canada’s most expensive cities can take many years,” said Gillian Ritchie, broker, Royal LePage Real Estate Services Ltd. in Toronto. “In recent years, we have noticed a much-needed increase in purpose-built rental supply in the city. Currently, Toronto’s rental market is flush with one- and two-bedroom condos for lease, but does not have an adequate inventory of decent larger units or freehold rental accommodations. This has made it increasingly difficult for families to find suitable rental housing, whether they are waiting for the right time to buy a home or are looking for a temporary residence amid relocation or renovations.”
Ritchie added that young professionals and students make up a large part of Toronto’s renter demographic. Walkability is a top priority for renters attending post-secondary institutions, while others desire access to amenities, entertainment and their place of work.
According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Toronto for a two-bedroom unit in October 2023 was 8.7 per cent higher than a year prior.8 Vacancy rates sat at 1.5 per cent and 0.7 per cent, respectively, for purpose-built rental buildings and condominium apartments.
By comparison, the average rent in Ottawa for a two-bedroom unit in October 2023 was 4.0 per cent higher than a year prior. Vacancy rates sat at 2.1 per cent and 0.4 per cent, respectively, for purpose-built rental buildings and condominium apartments, according to CMHC.
Among renters living in Ontario, 35 per cent spend up to 30 per cent of their net income on monthly rent costs, while 36 per cent spend between 31 and 50 per cent of their income, and 18 per cent spend more than 50 per cent.
“Many investors bought rental units at the onset of the pandemic amid the record-low interest rate environment, and took advantage of low borrowing costs by purchasing multiple properties. As mortgage carrying costs have materially increased over the last two years, we have noticed some investors offloading their units, potentially reducing available rental stock,” noted Ritchie. “Meanwhile, new developments are bringing more inventory to the rental market and putting downward pressure on prices in some communities. With rates now on the decline, we anticipate that many current renters will step into the resale market as the threshold to qualify for a mortgage begins to ease. However, further rate cuts are needed for this trend to fully materialize.”
Royal LePage 2024 Canadian Renters Report – Data Chart:rlp.ca/2024-Canadian-Renters-Report-Chart
MANITOBA & SASKATCHEWAN
In Manitoba and Saskatchewan, 44 per cent of renters say they considered buying a property rather than renting before signing or renewing their lease. Looking ahead, 36 per cent say they plan to purchase a property in the next two years, while 34 per cent will not.
“The pandemic was a pivotal turning point for the rental market. Before COVID-19, one-bedroom rentals were in high demand. Now, as working from home has become more common, renters’ need for more space has grown. However, the desire to be close to downtown and have access to conveniences both within their neighbourhood and their rental buildings remains strong,” said Laura Foubert, sales representative, Royal LePage Dynamic Real Estate in Winnipeg, Manitoba. “Winnipeg rental prices have increased over this past year as landlords and property managers aim to make up for price freezes implemented during the pandemic. Meanwhile, incentives like move-in bonuses, parking spots and top-tier amenities, are being offered on new developments to attract quality, long-term tenants.”
Foubert added that many current renters are downsizers who have sold their homes and chosen to rent to avoid the upkeep of home ownership – many have no intention of buying another property.
According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Winnipeg for a two-bedroom unit in October 2023 was 4.4 per cent higher than a year prior.9 Vacancy rates sat at 1.8 per cent for both purpose-built rental buildings and condominium apartments.
By comparison, the average rent in Regina for a two-bedroom unit in October 2023 was 7.9 per cent higher than a year prior. Vacancy rates sat at 1.4 per cent and 1.8 per cent, respectively, for purpose-built rental buildings and condominium apartments, according to CMHC.
Among renters living in Manitoba and Saskatchewan, 50 per cent spend up to 30 per cent of their net income on monthly rent costs, while 36 per cent spend between 31 and 50 per cent of their income, and nine per cent spend more than 50 per cent.
“Some individuals are renting until they buy their first home, while others are renting purely because they enjoy the simplicity and convenience of the lifestyle,” said Foubert. “Demand for rentals is expected to remain strong for the foreseeable future.”
Royal LePage 2024 Canadian Renters Report – Data Chart:rlp.ca/2024-Canadian-Renters-Report-Chart
ALBERTA
In Alberta, nearly a third of renters (29%) say they considered buying a property rather than renting before signing or renewing their lease. Looking ahead, 27 per cent say they plan to purchase a property in the next two years, while 45 per cent will not.
“The rental segment has been in transition these past few years. We came out of a balanced market that had healthy vacancy levels and robust demand, and headed into a crunch starting in the spring of 2022. We are now in a scenario where multiple offers on rental properties are being seen more frequently, a new phenomenon in Calgary,” said Andrew Hanney, sales representative and property manager, Royal LePage Mission Real Estate in Calgary. “Demand for rentals in Alberta has been coming from all directions, including residents relocating from Ontario and British Columbia in search of a lower cost of living. One-bedroom apartments have some of the highest vacancy rates, as many renters are choosing to live in larger units with roommates in order to lower their monthly living expenses. This has created difficulties for families looking for multi-bedroom rental options.”
Hanney added that purpose-built rentals were common in the 1980s and 1990s, but faded from popularity as developers focused their attention on building condominiums for ownership. Now, developers are creating purpose-built rentals once again, in response to increased market demand and a series of new government incentives.
According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Calgary for a two-bedroom unit in October 2023 was 14.3 per cent higher than a year prior.10 Vacancy rates sat at 1.4 per cent and 1.0 per cent, respectively, for purpose-built rental buildings and condominium apartments.
By comparison, the average rent in Edmonton for a two-bedroom unit in October 2023 was 6.4 per cent higher than a year prior. Vacancy rates sat at 2.4 per cent and 2.5 per cent, respectively, for purpose-built rental buildings and condominium apartments, according to CMHC.
Among renters living in Alberta, 39 per cent spend up to 30 per cent of their net income on monthly rent costs, while 34 per cent spend between 31 and 50 per cent of their income, and 17 per cent spend more than 50 per cent.
“Many young Albertans look at housing differently – for those who do not want the responsibility of home ownership, renting is an intentional choice, one that suits their needs and lifestyle,” noted Hanney. “However, there remains an important cohort of Albertans for whom renting makes the most financial sense, while they save up to buy a home. As interest rates continue to fall, we will see more tenants move out of rentals and into home ownership.”
Royal LePage 2024 Canadian Renters Report – Data Chart:rlp.ca/2024-Canadian-Renters-Report-Chart
BRITISH COLUMBIA
In British Columbia, 26 per cent of renters say they considered buying a property rather than renting before signing or renewing their lease. Looking ahead, 27 per cent say they plan to purchase a property in the next two years, while 52 per cent will not.
“With a boost in rental supply in Vancouver, competition in this segment is improving, although affordability remains a challenge for tenants facing some of the highest rental prices in the country. Still, demand to live in one of Canada’s most popular cities remains consistent,” said Nina Knudsen, property manager,11 Royal LePage Sussex in North Vancouver. “Empty nesters and working professionals make up a significant portion of our renter demographic, as do tenants who are landlords themselves. It is not uncommon for renters to buy an investment property in a less expensive market and lease it out while they continue to save towards the purchase of a primary residence.”
Knudsen added that tightening provincial legislation on rentals has caused some would-be landlords to step out of the market, a potential challenge for the creation of rental supply.
According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Vancouver for a two-bedroom unit in October 2023 was 8.6 per cent higher than a year prior.12 Vacancy rates sat at 0.9 per cent for both purpose-built rental buildings and condominium apartments.
By comparison, the average rent in Victoria for a two-bedroom unit in October 2023 was 7.9 per cent higher than a year prior. The vacancy rate in purpose-built rental buildings sat at 1.6 per cent, according to CMHC.
Among renters living in British Columbia, 23 per cent spend up to 30 per cent of their net income on monthly rent costs, while 42 per cent spend between 31 and 50 per cent of their income. Twenty-five per cent of renters spend more than 50 per cent of their net income on rent, well above the national average of 16 per cent.
“As interest rates have increased over the past two years, higher monthly carrying costs have put considerable strain on entrepreneurial landlords, prompting some to offload their units onto the resale market,” said Knudsen. “With rates now beginning to trend downward, some investors may be seeing a light at the end of the tunnel. However, the most recent rate cut by the Bank of Canada will not be enough to encourage those landlords from selling their properties if further cuts are not made in the near future.”
Royal LePage 2024 Canadian Renters Report – Data Chart:rlp.ca/2024-Canadian-Renters-Report-Chart
Royal LePage resources for aspiring homeowners:
To help aspiring homeowners, Royal LePage has published a number of online resources available at the following links:
From renter to homeowner: Your complete guide to home ownership in a competitive real estate market8 new housing policies announced in the 2024 federal budgetReal estate terminology 101Expert Q&A: What you need to know about buying a property pre-construction6 tips for a seamless moving daySaving for your first home? Here’s what you need to know about Canada’s First Home Savings Account (FHSA)What is the Home Buyers’ Plan?Get matched with Your Perfect Neighbourhood!About the Survey
Hill & Knowlton used the Leger Opinion online panel to survey 1,506 Canadians, aged 18+, who rent their primary residence. The survey was completed between June 7th and June 10th, 2024. Representative sampling was done across all provinces (Atlantic provinces were aggregated). Weighting was applied to ensure representation between and within provinces, according to 2021 household renter census figures. No margin of error can be associated with a non-probability sample (i.e., a web panel in this case). For comparative purposes, though, a probability sample of 1,506 respondents would have a margin of error of ±3%, 19 times out of 20.
About Royal LePage
Serving Canadians since 1913, Royal LePage is the country’s leading provider of services to real estate brokerages, with a network of approximately 20,000 real estate professionals in over 670 locations nationwide. Royal LePage is the only Canadian real estate company to have its own charitable foundation, the Royal LePage® Shelter Foundation™, which has been dedicated to supporting women’s shelters and domestic violence prevention programs for 25 years. Royal LePage is a Bridgemarq Real Estate Services® Inc. company, a TSX-listed corporation trading under the symbolTSX:BRE. For more information, please visit www.royallepage.ca.
Mario Toneguzzi
Mario Toneguzzi is Managing Editor of Canada’s Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024.
About Us
Canada’s Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast.
With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders.
The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada’s Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story
#business #CanadasNumberOnePodcastforEntrepreneurs #entrepreneurs #entrepreneurship #Homeownership #Homes #Housing #RealEstate #small business
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Sueling Ching, President & CEO, Ottawa Board of Trade, discusses a recent report in collaboration with the Canadian Urban Institute to revolutionize downtown Ottawa.
The video interview can be seen here.
PRESS RELEASEOttawa – May 22nd, 2024, – Today, the Ottawa Board of Trade, in collaboration with the Canadian Urban Institute is thrilled to announce a landmark initiative that promises to revolutionize downtown Ottawa and the region.
The Downtown Ottawa Action Agenda aims to reimagine and rejuvenate Downtown Ottawa, making it more diverse, resilient, and vibrant for generations and challenges to come.
Under the plan, Downtown Ottawa will see the addition of 40,000 new residents and the creation of 50,000 jobs by 2034, transforming the cityscape into a bustling hub of activity and innovation. The plan proposes creating a joint $500 million fund to kick-start a series of catalytic projects, including significant enhancements to the public realms of Sparks Street and ByWard Market, and the establishment of a new Business Incubation District and an Arts/Culture Corridor.
“This is more than a plan; it’s a renaissance for Ottawa’s downtown,” said Sueling Ching, President & CEO, Ottawa Board of Trade. “By fostering a live-work-play environment, we are not only boosting the local economy but also creating a culturally rich, inclusive, and accessible downtown for all to enjoy. And a Capital City all Canadians can be proud of.”
The action plan was developed by the Canadian Urban Institute in partnership with the City of Ottawa, Ottawa Tourism, Invest Ottawa, BOMA Ottawa and the National Capital Commission. “Our collaborative approach ensures that the transformation of Downtown Ottawa not only meets the economic and cultural needs of today but paves the way for future generations,” said Brendan McGuinty, Board Chair, Ottawa Board of Trade.
As Downtown Ottawa transforms, it will serve as a model of urban renewal, showcasing the power of strategic investment and community collaboration in building a thriving, dynamic city center. The Ottawa Board of Trade invites residents, businesses, and all stakeholders to join in this exciting journey to reshape our capital’s core.
Top Five Immediate Actions:
Prioritize Housing: Streamlining processes to increase downtown residency through higher density and use of public land.Invest in the Future: Establishing financial mechanisms for ongoing downtown investment.Address Homelessness, Addiction, and Mental Health: Implementing focused programs with multi-level government funding.Improve Regional Mobility: Enhancing transit options to make downtown more accessible.Position Downtown Nationally and Internationally: Marketing efforts to boost economic activity and enhance downtown’s image.“Downtown Ottawa’s revitalization is a blueprint for how cities can harness urban space to meet the challenges of the 21st century, “said Mary Rowe, President & CEO, Canadian Urban Institute. “By focusing on inclusivity, resilience, and vibrant public spaces, Ottawa is setting a standard for urban innovation.”
“We’re taking a Team Ottawa approach to our downtown. By coming together as a community, we’re not just revitalizing our core, but also setting the stage for a dynamic and resilient future for all Ottawa residents,” said Ottawa Mayor Mark Sutcliffe.
Background:
The Ottawa Board of Trade is the voice of business and a key economic partner in the National Capital Region. Our mission is to cultivate a thriving world class business community. One that drives affordable, inclusive, and sustainable city building. We are champions of Ottawa as the best place to live, work, play, learn, visit, and invest. For information, visit www.ottawabot.ca.
The Canadian Urban Institute is a national platform where policy makers, urban professionals, civic and business leaders, community activists and academics can learn, share, and collaborate with one another from coast to coast to coast. Through research, engagement, and storytelling, CUI’s mission is to support vibrant, equitable, livable, and resilient cities in Canada. For information, visit https://canurb.org/
Mario Toneguzzi is Managing Editor of Canada’s Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024.
About Us
Canada’s Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast.
With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders.
The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada’s Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story
#business #CanadasNumberOnePodcastforEntrepreneurs #Downtown #entrepreneurs #entrepreneurship #smallbusiness
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Todd Sloane is the Principal/Creative Director of Tag Advertising, a full-service advertising agency that has been consistently producing creative work for over 32 years. Todd comes from the visual side of the world and has the strength to develop extraordinary concepts and focused creative strategies. Not only have Todd’s talents earned him the respect of clients and competitors alike, but his bold creativity and sound business sense won him the title of Western Canada’s Entrepreneur of the Year.
Todd has worked with a wide variety of regional and national accounts, such as ATA, TacoTime Canada, Imax Theaters International, Toyota Canada, General Motors Canada, Canadian Tire Reit, and the United Way.
He has his fingers on the pulse of the marketplace, which allows him to keep up with changes such as shorter product life cycles, environmental concerns, greater interest in consumer protection, the growth of services and not-for-profit marketing, and increased impact of technology across all sectors. Such insight has allowed Todd to build Tag into an agency that boasts a solid portfolio of award-winning creative that constantly exceeds clients’ objectives.
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
Want to stay up-to-date on the latest #entrepreneur podcasts and news? Subscribe to our bi-weekly newsletter
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Amar Singh, the CEO and co-founder of Elevated Signals in Vancouver, began his entrepreneurial path at the LaunchPad tech accelerator where he met co-founders Benn and Hardeep. Their shared passion for cleantech and agtech led them to establish Elevated Signals, aiming to modernize manufacturing software for emerging sustainable industries. Amar brings a decade of experience managing multi-million dollar projects, including notable research facilities like the Biotron Experimental Climate Change Research Centre and the extraterrestrial Autonomous Robotic Greenhouse. His work is driven by a commitment to enhancing global health and societal well-being, focusing on food security and environmental sustainability.
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
Want to stay up-to-date on the latest #entrepreneur podcasts and news? Subscribe to our bi-weekly newsletter
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Dave Wald is a native Calgarian having only lived for a few years in Vancouver when he was a kid. His love of adventuring and camping began during his family’s many trips in their 80’s station wagon and beat-up old tent trailer. Today, Dave has over 20 years of experience working in the outdoor recreation industry as a marketing professional. A memorable trip to Iceland in 2013 was the inspiration for Karma Campervans, the rental company he started in 2018 with his business partners. What started as five vans has grown to over 100 campervans built, locations across Canada, custom van projects, and a fantastic team passionate about creating amazing experiences for Karma Campervans Guests. Dave’s a family man who loves adventuring with his wife, two kids, and the family dog.
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
Want to stay up-to-date on the latest #entrepreneur podcasts and news? Subscribe to our bi-weekly newsletter
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Ilya Goldman, has been in the internet marketing industry since 1996. He started his own web design and online marketing company in 2001 with a goal of bringing more businesses into the world wide web. He has worked on over a thousand web projects. His clients include huge organizations such as UBC Press, McGill Press, as well as very small companies with self-employed individuals. He is also certified by both Google and Microsoft. He has a wealth of knowledge on web design and online marketing through nearly 2 decades in this field. Whenever he works with clients he wants them to be aware of anything that would be helpful to them such as specific business grants for up to $15,000 and $2400 for digital presence.
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
Want to stay up-to-date on the latest #entrepreneur podcasts and news? Subscribe to our bi-weekly newsletter
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Nadya Marwah is an Indian-Canadian photographer, film production professional, and founder of the Photo Poet Society, a mindful wedding photography company. She began her career journey in Mumbai, India, before relocating to Toronto, She left her hometown of Meerut, India at the age of 19 to pursue an education in Communication Design at MIT Institute of Design and later completed a post-graduate program in Film Production at the Vancouver Film School.
The profound experience of deep meditation shifted her perspective on life. She is now a mindful visual creator, specializing in both photography and film. Alongside wedding and occasion photography, I have collaborated with musicians and film professionals, including three-time Juno-nominated musician Alysha Brilla and Canadian actor, director, and musician Steven McCarthy. Additionally, I have had the opportunity to work with businesses and not-for-profit organizations such as Compass Digital Ventures at SXSW in Austin, North Shore Restorative Justice Society (North Vancouver), Arvorei Communications Group (Vancouver), and Hawkeye Pictures (Toronto).
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
Want to stay up-to-date on the latest #entrepreneur podcasts and news? Subscribe to our bi-weekly newsletter
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In this video interview, Beatrix Abdul Azeez, Policy Analyst with the Canadian Federation of Independent Business, discusses a new report outlining the consequences of a government mandated $20 per hour living wage.
Beatrix Abdul Azeez
PRESS RELEASETORONTO, May 15, 2024 /CNW/ – Mandating a $20 per hour living wage in each province would cost the Canadian economy $44.9 billion in extra wages and put almost 600,000 small businesses at risk of becoming unprofitable, finds a new report by the Canadian Federation of Independent Business (CFIB).
The report, entitled “Affordability, minimum wages, and living wages: Striking a balance for small businesses,” analyzes the impact of a $20/hour living wage, a proposal under consideration by several organizations. The report finds that governments need a new approach to address affordability challenges as traditional minimum wage and living wage policies fall short in addressing the root causes of the rising cost of living while simultaneously increasing costs on small businesses.
“Minimum wage and living wage policies often miss the mark when it comes to truly supporting the most vulnerable workers. Governments are setting these wages with no anchor in economic reality, relying on subjective and unpredictable criteria,” said Beatrix Abdul Azeez, CFIB policy analyst. “Governments should shift away from relying on these blunt tools and instead adopt a new approach to ensure workers can cope with the rising cost of living, while also guaranteeing that small businesses aren’t unfairly burdened.”
The cost of adopting a $20/hour living wage in each Canadian province
Province
Cost (millions)
Small businesses at riskof unprofitability
Newfoundland and Labrador
$943
10,653
Prince Edward Island
$332
3,100
Nova Scotia
$1,933
14,048
New Brunswick
$1,543
12,519
Québec
$10,255
141,927
Ontario
$16,741
200,387
Manitoba
$2,748
23,485
Saskatchewan
$1,823
18,432
Alberta
$4,309
73,181
British Columbia
$4,325
75,495
Canada
$44,900
572,499
The unintended consequences of minimum wage increases
Recent minimum wage hikes forced 60% of small businesses to raise wages for other workers and 59% of them to raise prices, contributing to current inflationary pressures. In addition, 31% of small businesses had to cut back on hiring young and unskilled workers, with 25% of them reducing overall employment. These findings underscore the need for a more nuanced approach to wage policies that consider the diverse impacts on both workers and businesses alike.
“Canada’s cost of living crisis requires a more effective framework: making sure rent, food, and gas prices are affordable and stable while extending support to workers and small businesses through tax reductions,” added Jairo Yunis, CFIB’s director for BC and western economic policy. “This would go a long way in addressing Canada’s affordability shock.”
CFIB recommends that governments:
Alleviate the impact of rising minimum wages on small businesses by reducing other taxes and payroll costs (such as small business tax rate, CPP, EI, health/education payroll taxes, etc.)Establish a minimum wage setting process that is predictable, transparent, reflective of market conditions, and mindful of economic impacts.Link minimum wage adjustments to private sector wage growth or a predetermined percentage of the median wage.Address the root causes of the affordability crisis by enacting policies to increase the supply of housing, reduce energy taxes, and remove interprovincial and international trade barriers.Provide targeted fiscal support for vulnerable workers through reduced personal income tax rates, increased basic personal amounts, and expanded tax credits.Read the full report here.
About CFIB
The Canadian Federation of Independent Business (CFIB) is Canada’s largest association of small and medium-sized businesses with 97,000 members across every industry and region. CFIB is dedicated to increasing business owners’ chances of success by driving policy change at all levels of government, providing expert advice and tools, and negotiating exclusive savings.
Mario Toneguzzi
Mario Toneguzzi is Managing Editor of Canada’s Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024.
About Us
Canada’s Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast.
With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders.
The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada’s Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story
businessCanada's Number One Podcast for EntrepreneursentrepreneursentrepreneurshipLiving wagesmall businessWages
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n this video interview, Steve Mesler, Co-Founder of Classroom Champions, and Seth Rosenzweig, the organization’s new CEO, discuss what the organization does and the recent change in leadership.
PRESS RELEASECalgary, AB – Classroom Champions, a leading global charity empowering students socially, emotionally and academically through the mentorship and mindset of World Class Athlete Mentors, today announced a significant leadership transition. After over a year of planning, Steve Mesler, co-founder and Olympic gold medalist, will be stepping down from his role as CEO after 15 years and will take on a new position as Chair of the Board of Directors. Concurrently, Seth Rosenzweig, a seasoned nonprofit leader and former CEO of Team IMPACT, will assume the CEO role at Classroom Champions and guide the organization into the future.
Mesler, a renowned U.S. Olympic bobsledder who broke the country’s 62-year draught when he won a gold medal in the four-man event at the 2010 Vancouver Olympics, co-founded Classroom Champions in 2009 with his sister Dr. Leigh Parise. Under his leadership, Classroom Champions has transformed the lives of hundreds of communities by connecting thousands of children with over 350 Olympic, Paralympic, NCAA, and professional Athlete Mentors who inspire and motivate them to achieve their goals in the classroom and beyond. Mesler has been instrumental in the organization’s development and growth, expanding its reach to serve millions of students across North America and around the globe through powerful partnerships such as NBC Olympics, the NHL, Airbnb, Canadian Tire’s Jumpstart charity, the Bualo Bills, Team Canada, Google, GoNoodle, and many more.
Through his work building Classroom Champions over the past 15 years, Mesler has been recognized as a finalist for the International Champion for Peace, one of Sports Illustrated’s “Athletes Who Care,” and was recently awarded the Government of Canada’s second highest civilian award, the Meritorious Service Medal from the Governor General of Canada, for Classroom Champions’ contributions to educational opportunities for Canadian children. As Chair, Mesler will remain deeply involved and work with Rosenzweig to propel Classroom Champions into thousands more schools to reach millions more children.
Reflecting on his transition, Mesler said, “Seeing Classroom Champions evolve into what it is today is both exciting and humbling. I am incredibly proud of what we have achieved for so many children and look forward to continuing to support the organization’s mission in my new role as Chair of the Board of Directors. From the moment I met Seth, I recognized that his personal character, combined with his incredible experience building organizations leveraging athletes to help kids, meant that he could be the ideal leader to usher Classroom Champions into its next phase of growth and impact. I feel fortunate and excited he’ll be putting on the Classroom Champions jersey.”
Seth Rosenzweig brings a wealth of experience in nonprofit leadership and a passion for youth empowerment to his new role as CEO of Classroom Champions. As the former CEO of Team IMPACT, Rosenzweig spearheaded the organization’s eorts to connect children facing serious and chronic illnesses with college athletic teams, fostering impactful relationships that provided crucial emotional support and inspiration. In his eight years stewarding Team IMPACT, Rosenzweig led the organization to unprecedented growth. Among Rosenzweig’s core objectives in the role is to expand Classroom Champions’ footprint across North America.
Rosenzweig said, “I am honoured to join Classroom Champions as CEO and to work alongside such a dedicated team making a tangible dierence for students. I am deeply inspired by the organization’s mission to empower students through mentorship, and I am excited to begin advancing our impact and reach. I look forward to collaborating with our athlete mentors, educators, and partners to create positive change in the lives of even more deserving students.”
As Classroom Champions embarks on this new chapter, the charity remains steadfast in its commitment to empowering students to become resilient, compassionate, and confident community leaders.
About Classroom Champions
Classroom Champions is a non-profit that has empowered over 5 million children to thrive socially, emotionally, and academically through the mentorship and mindsets of world-class athletes. Working with over 300 Olympic, Paralympic, NCAA student-athletes and professional athletes who volunteer as mentors, Classroom Champions has provided program and curriculum grants to underserved, rural, and Indigenous communities across the continent. Students participating in Classroom Champions see significant improvements in the classroom, teachers see improved engagement, and athlete mentors learn new skills to prepare for life after sport. Learn more at: www.classroomchampions.org.
Mario Toneguzzi
Mario Toneguzzi is Managing Editor of Canada’s Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024.
About Us
Canada’s Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast.
With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders.
The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada’s Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story
businessCanada's Number One Podcast for EntrepreneursChampionsEducationentrepreneursentrepreneurshipsmall businessSports
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Extreme athlete and motivational coach Andre Belibi Eloumou is going to tackle his toughest challenge yet, for a worthy cause that is very close to his heart.
On May 24, the opening day of the 2024 Servus Calgary Marathon runners’ expo, Belibi will attempt to break the Guinness World Records title for the longest time for a man to be packed in ice. He is undertaking this mission to raise awareness and support for the millions of other people around the world, including his daughter Kira, with Autism Spectrum Disorder (ASD).
The world record is four hours and two minutes.
Andre is in the final stages of more than one-year of training and preparation for the world record attempt. Last Saturday (May 11), he undertook a test run being packed in ice for two hours outside The Fitness Guy Pete Estabrooks’ gym in Calgary’s historic Inglewood neighbourhood.
Andre’s project is being generously supported by Run Calgary, Arctic Glacier Premium Ice, Spolumbo’s Fine Foods and Deli, The Home Depot, Ian Boyd – Central Calgary REAL Broker, Primextate Ltd., and a long list of other donors and supporters.
Full Video can be seen here.
Donations and sponsorships to the Ice Bath World Record for Autism project can be made on Audre’s GoFundMe page: https://gofund.me/21509e26Tax-deductible donations to Autism Canada can be made through Andre’s Calgary Marathon charity fundraising page: https://raceroster.com/…/pledge/participant/24936493For more information about Andre Belibi Coaching programs and services, visit: www.andrebelibicoaching.com
Mario Toneguzzi
Mario Toneguzzi is Managing Editor of Canada’s Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024.
About Us
Canada’s Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast.
With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders.
The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada’s Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story
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In this video interview, Ryan Gubic, a Certified Financial Planner and Founder of MRG Wealth Management in Calgary, discusses the increasing financial stress Canadians are experiencing these days.
PRESS RELEASETORONTO, May 23, 2024 /CNW/ – From high grocery and gas prices to elevated inflation and housing costs, Canadians are grappling with money-related stressors that negatively impact their financial well-being. However, the 2024 Financial Stress Index, a national survey of 2,000+ Canadians conducted by Leger on behalf of FP Canada, shows that Canadians are prioritizing their financial health and feeling more hopeful about their financial futures than they did a year ago.
FP Canada's 2024 Financial Stress Index finds money remains the leading source of stress for Canadians. (CNW Group/FP Canada)
FP Canada’s 2024 Financial Stress Index finds money remains the leading source of stress for Canadians. (CNW Group/FP Canada)The survey reveals that while Canadians continue to grapple with financial worries, most are embracing strategies to reduce financial stress in the face of persistent economic pressures.
While financial stress is on the rise, so is optimism, and the data speaks volumes: Canadians are recognizing the power of proactive financial management. The most striking revelation? Year-over-year findings continue to show that Canadians who work with a financial professional are less prone to money-related stress, more hopeful about their financial futures, and better positioned to navigate financial uncertainty with confidence.
Financial Stress on the Rise as External Pressures PersistAccording to the 2024 Financial Stress Index, money remains the top source of stress for Canadians, with 44 per cent citing it as their primary concern. This number represents a steady increase from 2023 (40%), 2022 (38%) and 2021 (38%). External factors are a key piece of the puzzle, as Canadians cite elevated grocery prices (69%), inflation (60%) and housing-related costs (52%) as leading causes of financial stress. Amid widespread discussions about the impact of these pressing challenges, the data reaffirms the hurdles posed by the current economic environment.
Financial stress continues to affect the mental health of Canadians. Nearly half (49%) have lost sleep over financial worries, and more than half (54%) report negative effects such as anxiety and depression (38%), disruptions in workplace productivity (16%) and strained personal relationships (16%). However, Canadians who work with a financial professional are less likely to lose sleep due to financial stress (42%) than those who do not (52%).
“There’s no denying that persistent affordability concerns can cause significant financial strain, so it’s no surprise that Canadians are continuing to feel the impact of these difficult conditions,” says Meghan MacPherson, a QAFP® professional at Impact Financial Group Inc. “While thoughtful planning and proactive measures can help reduce financial stress caused by economic factors beyond our control, the Financial Stress Index shows that working with a financial professional can help Canadians create a sense of confidence and control in the face of uncertainty.”
Impact of Financial Stress More Severe for Young Adults, Interest in Financial Planning GrowsYounger generations are experiencing the highest levels of financial stress, with half (50%) of Canadians under the age of 35 citing money as a top stressor, compared to 42 per cent of those over 35. The survey also shows that financial stress weighs more heavily on the minds of younger Canadians, with nearly three-quarters (72%) stating that financial stress has had at least one negative impact on their lives, compared to less than half (48%) of Canadians over the age of 35. This cohort is also more likely (50%) to say they’ve experienced anxiety, depression, and mental health challenges due to financial stress than those over the age of 35 (34%).
Although financial stress disproportionately affects the mental well-being of Canadians aged 18 to 34, 39 per cent recognize the value of creating a financial plan to mitigate stress compared to 22 per cent of those over 35. This trend may reflect a burgeoning curiosity about the advantages of financial planning among younger Canadians.
Stress Less: The Power of Professional Financial Planning Support Data from the latest Financial Stress Index highlights Canadians’ eagerness to take control of their finances. However, navigating the intricacies of personal finances alone can pose challenges.
Findings reveal that Canadians who don’t work with a financial professional are 33 per cent more likely to be stressed about money than those who do, and 23 per cent more likely to have lost sleep about financial worries. In contrast, those who work with a financial professional are more optimistic about their financial futures (56%) than those who don’t (48%). Working with a knowledgeable financial professional, such as a CFP® professional or a QAFP professional, is an important step toward financial well-being.
“A trusted CFP professional or QAFP professional can be a strategic ally, offering personalized solutions tailored to each client’s unique circumstances and aspirations,” says Nabila Mirza, a QAFP professional at Aviso. “Through comprehensive financial planning, our goal is to empower Canadians to make informed choices, optimize their resources, and build financial resilience for a more financially secure future.”
The value of working with a financial professional extends beyond the numbers on paper. By providing expert guidance, financial planners help alleviate the burden of financial worry, even in the face of uncertainty.
Growing Optimism as Canadians Prioritize Financial Well-BeingDespite the challenging economic climate, a renewed focus on financial self-care is emerging among Canadians. The 2024 Financial Stress Index shows that Canadians are taking charge of their financial well-being, with 91 per cent having taken at least one action to reduce financial stress in the last year. Tracking expenses is the most popular strategy, adopted by 45 per cent of respondents, while debt repayment (38%) and increased saving (33%) also rank high on the priorities list.
The research points to a notable mindset shift with financial well-being at the forefront, as indicated by a growing trend of Canadians prioritizing fiscally responsible decisions when it comes to their expenses. Ranking higher on the upcoming expense list than vacations (19%), nearly one quarter (24%) of Canadians plan on paying off outstanding credit card debt within the next 12 months. That’s compared to 21 per cent in 2023 and 19 per cent in 2022.
“Canadians are adopting a fiscal-responsibility mindset, which is at the heart of financial empowerment and long-term financial stability. It’s a powerful, positive reminder of the value of resilience in the face of adversity,” said Ravi Chhabra, a CFP professional. “While it’s undoubtedly disheartening, we can’t ignore the reality of the current economy and the limitations it places on the financial choices of Canadians. Prioritizing debt repayment while also budgeting for the things that bring us joy will do more than help us lessen immediate financial burdens. It will also lay the groundwork for a future where we can prioritize life’s pleasures without compromising our financial health.”
As Canadians embrace the concept of financial well-being, half (50%) are expressing increased optimism about their financial futures compared to 2023 (47%), despite experiencing higher stress levels. At the forefront of this shift, 55 per cent of Canadians under the age of 35 feel hopeful about their financial futures, signaling a resilient mindset towards financial challenges.
In today’s dynamic financial landscape, the importance of seeking financial support from a professional can’t be overstated. As individuals face the complexities of financial decision-making amidst ever-changing economic conditions, the expertise of a Certified Financial Planner professional or Qualified Associate Financial Planner professional can help Canadians of all ages and stages of life take strides toward greater financial well-being.
Canadians can find a financial planner at Find Your Planner.
About the Financial Stress Index The Financial Stress Index is conducted each year for FP Canada by Leger, the largest Canadian-owned market research and analytics company. The 2024 Financial Stress Index was completed between February 28 and March 11, 2024, using Leger’s online panel, receiving 2,040 Canadian respondents nationwide. For comparative purposes, though, a probability sample of 2,040 respondents have a margin of error of ±2.2%, 19 times out of 20.
About FP Canada Established in 1995, FP Canada is a national not-for-profit education, certification and professional oversight organization working in the public interest. FP Canada is dedicated to championing better financial wellness for all Canadians by leading the advancement of professional financial planning in Canada.
Mario Toneguzzi
Mario Toneguzzi is Managing Editor of Canada’s Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024.
About Us
Canada’s Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast.
With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders.
The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada’s Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story
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Darby Lee Young, Founder and Principal Accessibility Strategist, Level Playing Field and a designated Rick Hansen Foundation (RHFAC) Professional.
Darby’s ultimate goal has been to combine her lived experience with her professional life as an Accessibility Consultant. As a person born with mild cerebral palsy, Darby has been able to utilize this unique experience to her advantage, and her previous political appointments and competitive career as a para-alpine skier have provided her with an impactful perspective when approaching projects.
Darby’s previous political appointments and achievements include serving on the City of Calgary’s Advisory Committee on Accessibility (ACA) from 2011-2015, serving as the co-chair for two years. Darby also represented the City of Calgary at the International Summit on Accessibility in 2014. From June 2017 to June 2020, Darby was a member of the Premier’s Council on the Status of Persons with Disabilities.
Over the last five years, Darby has been honoured with numerous awards and achievements. In 2018 Darby was selected as one of Canada’s top 40 under 40. In February 2020, John Fluevog Shoes released the "Darby" Shoes. They are now available in multiple colours. In 2021 Darby was named one of the Top 25 Women of Influence 2021. Darby continues to break down barriers for persons with disabilities not only professionally but also personally in hopes that one day it truly makes a difference.
LPF has allowed Darby to offer her expertise to a wider range of clients. By incorporating universal design features in new builds and conducting accessibility reviews on proposed and existing facilities, Darby’s work continues to make a significant difference for many people living with disabilities and puts her team at the forefront of accessibility consulting. Through this work LPF has successfully contributed to the removal of barriers at the municipal, provincial and national levels, ultimately establishing inclusive environments.
In her spare time, Darby can be found at most sporting events, especially Hockey, Tennis and Chuckwagon Racing! She enjoys travelling and exploring new places for accessibility. Darby will always be seen on the sidelines cheering on her friends and family in all their adventures.
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
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Tamara believes "Success is not final...and failure is not fatal". It’s the courage to continue that count. She is the owner of Mirror Image Vacation Rental Services. Born and raised in Kelowna BC in the beautiful Okanagan Valley. And In Kelowna it’s all about tourism. Whether it be world-class wineries, champagne powder at Big White ski resort, or sparkling lakes, she always knew tourism, and hospitality was something she was not only passionate about but was an area she could see herself getting into business. After 15+ years of scraping by as a waitress and bartender and never getting ahead, she applied for a part-time job with Kelowna Resort Accommodations (which is a large-scale property management company in Kelowna). And then started her own business from there.
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
Want to stay up-to-date on the latest #entrepreneur podcasts and news? Subscribe to our bi-weekly newsletter
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With two decades in capital markets, Kola Malcom brings deep financial experience to his chosen entrepreneurial career. Kola is an evidence-based mortgage planner with a relaxed. pragmatic approach focused on customizing mortgages.
Entrepreneurs are the backbone of Canada’s economy. To support Canada’s businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter.
Want to stay up-to-date on the latest #entrepreneur podcasts and news? Subscribe to our bi-weekly newsletter
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