Press Release
Kris Thorkelson on Bank of Canada Rate Cuts and Their Impact on Winnipeg Real Estate
Market Stability, Housing Affordability, and Investment at a Crossroads
Manitoba, Canada, 3rd March 2025, ZEX PR WIRE, As the Bank of Canada considers interest rate cuts in 2025, Winnipeg’s real estate market faces both opportunities and challenges. Kris Thorkelson, CEO of Thorwin Properties, is urging policymakers, industry leaders, and the public to stay informed about the potential effects on housing affordability, investment trends, and rental demand.
“The Bank of Canada’s decisions don’t just impact mortgages,” says Thorkelson. “They influence property values, rental market trends, and development incentives—all of which shape Winnipeg’s real estate landscape.”
How Rate Cuts Could Affect Winnipeg’s Housing Market
Interest rate cuts are designed to stimulate economic activity by making borrowing more affordable. While this can encourage homebuying and investment, it can also have unintended effects on rental demand and property pricing.
Historically, lower interest rates increase buyer activity, pushing home sales and prices upward. However, in cities like Winnipeg—where affordability has been relatively stable compared to larger Canadian markets—rate cuts may trigger heightened competition, particularly for first-time buyers.
According to the Canada Mortgage and Housing Corporation (CMHC), Winnipeg’s average home price increased by 8.2% in 2024, and demand for housing remains strong. Lower rates could drive prices even higher, making it harder for buyers to enter the market while boosting investor interest in rental properties.
“If borrowing becomes cheaper, we could see more investment in real estate,” Thorkelson explains. “That’s great for development, but it’s crucial to ensure that affordability remains a priority for both buyers and renters.”
Balancing Growth and Affordability
While rate cuts could encourage new construction and housing supply, Thorkelson highlights the need for balanced policies that support long-term housing affordability.
“Lower rates may attract more developers, which could expand rental housing options and increase supply,” he says. “But we also need measures to ensure that affordability doesn’t suffer due to speculative investment or pricing volatility.”
He advocates for continued investment in housing initiatives that support both renters and first-time buyers, as well as strategic urban planning that aligns with economic shifts.
“We should be looking at incentives for affordable housing, infrastructure improvements, and policies that encourage responsible investment,” he notes.
What Winnipeg Residents Should Expect
For buyers, a potential rate cut means cheaper mortgage costs but a more competitive market. For renters, it could mean increased investment in rental housing but possible shifts in pricing as demand fluctuates.
“We don’t want to see affordability eroded for either group,” Thorkelson says. “Whether rates go up or down, it’s important to keep housing accessible and sustainable for everyone in Winnipeg.”
For updates on Winnipeg’s real estate market and insights from Thorwin Properties, visit www.thorwin.ca.
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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.
Press Release
XRP dips investors turn to IOTA Miner for steady income
The overall cryptocurrency market has recently shown a cautious outlook, and XRP, one of the world’s leading crypto assets, has not been immune. According to the latest data, XRP’s current price is approximately $2.89, down approximately $0.20 from the previous trading day, a drop of nearly 0.65%. The price fluctuated between $2.88 and $3.09 throughout the day, indicating a wait-and-see market sentiment. For short-term speculators, this narrow range presents significant challenges, while long-term holders are more concerned about ensuring stable asset appreciation amidst these fluctuations.
Dan, CA, United States, 21st Aug 2025 – The overall cryptocurrency market has recently shown a cautious outlook, and XRP, one of the world’s leading crypto assets, has not been immune. According to the latest data, XRP’s current price is approximately $2.89, down approximately $0.20 from the previous trading day, a drop of nearly 0.65%. The price fluctuated between $2.88 and $3.09 throughout the day, indicating a wait-and-see market sentiment. For short-term speculators, this narrow range presents significant challenges, while long-term holders are more concerned about ensuring stable asset appreciation amidst these fluctuations.
The Dilemma of XRP Investors
XRP has historically relied on cross-border payments and the technological advantages of the Ripple network, winning the favor of a large number of holders during multiple bull markets. However, the inherent high volatility of the cryptocurrency market often leaves investors facing the awkward situation of “paper wealth rapidly shrinking.” Especially amidst the tightening global regulatory environment and uncertain macroeconomic conditions, relying solely on price appreciation for returns is no longer a reassuring strategy.
Many investors are beginning to seek more stable and predictable income channels to hedge against market uncertainty. Amid this trend, cloud mining has once again become a hot topic in the investment community, with IOTA Miner being a leading example.
IOTA Miner: Turning Volatility into Stable Cash Flow
Unlike traditional mining machines, IOTA Miner offers a zero-entry, low-risk cloud mining model. Users don’t need to purchase expensive hardware or shoulder electricity and maintenance costs. Simply sign a contract on the platform and remotely rent computing power to mine major cryptocurrencies such as Bitcoin, Ethereum, XRP, DOGE, SOL, and LTC. Profits are automatically settled and deposited daily, providing a truly passive income experience.
Security and Trust: The Choice of 9 Million Users Globally
In highly volatile markets, security is paramount for investors. IOTA Miner utilizes a dual security system powered by McAfee® and Cloudflare® to ensure the safety of user funds and profits. Furthermore, the platform’s transparent operations and clear contract terms have earned the trust of over 9 million users worldwide. Its legal and regulatory compliance make it a popular choice for both beginners and experienced investors.
Why choose IOTA Miner Cloud Mining?
1. New User Benefits: Sign up and receive a $15 bonus, plus a stable daily income of $0.6.
2. Diverse Contract Options: Flexible options to meet different investment objectives and risk profiles.
3. Passive Income: Mining profits are automatically settled daily and easily deposited into your account.
4. Zero-Important Operation: No hardware or maintenance required, making it easy for even beginners to get started.
5. Multi-Currency Support: Supports major assets such as BTC, ETH, XRP, DOGE, SOL, LTC, USDT, and USDC.
6. Top-tier Security: McAfee® and Cloudflare® dual protection ensures peace of mind for your funds and data.
How to Start Your IOTA Miner Cloud Mining Experience
1. Free Registration
Visit the IOTA Miner website, create an account in just a few steps, and instantly unlock a new user bonus.
2. Select a Mining Plan
Choose the right cloud mining plan based on your profit goals and risk appetite.
3. Automatic Mining
No hardware investment, no maintenance costs—IOTA Miner’s powerful computing infrastructure runs the entire process for you.
4. Easy Harvest
Daily profits are automatically deposited into your wallet, making passive income stable and worry-free.
Profits will be automatically credited to your account the day after you purchase the contract. When your account reaches $100, you can choose to withdraw it to your crypto wallet or continue purchasing contracts to earn more profits.

Summary: Stable returns are becoming a trend.
XRP’s slight pullback once again reminds investors that the cryptocurrency market is fraught with uncertainty. Rather than being emotionally swayed by price fluctuations, it’s better to allocate some funds to stable passive income channels like cloud mining. IOTA Miner is leading this trend, helping investors achieve relatively stable returns amidst market fluctuations.
For XRP holders seeking long-term wealth growth, simply holding onto their coins and waiting is no longer the only option. With IOTA Miner’s cloud mining plan, they can easily embark on a new path to passive income, providing sustainable certainty amidst the uncertainty of the crypto world.
Try the IOTA Miner app now:https://iotaminer.com/xml/index.html#/app
Official website: https://iotaminer.com/
Contact: info@iotaminer.com
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Disclaimer: Cryptocurrency and cloud mining involve risks, and returns are not guaranteed. The information in this release is provided for informational purposes only and should not be considered financial advice. Readers should conduct independent research and seek professional guidance before making investment decisions.
The post XRP dips investors turn to IOTA Miner for steady income appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section
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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.
Press Release
Best Synthetic Urine Brand for 2025: Upass Takes the Top Spot
United States – [20-08-2025] – An independent review of the leading synthetic urine brands available in the United States has named Upass Synthetic Urine, manufactured by SafeguardLabs, as the Best Synthetic Urine Brand for 2025.
The annual review, conducted by the Industrial Market Research Group, evaluated publicly available product specifications, official brand documentation, and third-party data to measure performance in four key categories: composition accuracy, format and usability, shelf life, and brand reliability. The 2025 analysis revealed measurable differences between top products, with Upass emerging as the market leader.
Unmatched Realism in Composition Upass earned the highest marks for chemical accuracy and overall realism. According to the research, the formulation comes remarkably close to the composition of natural human urine, with precise balances of pH, specific gravity, creatinine, urea, uric acid, and additional trace elements. These parameters are critical to authenticity, and in Upass, they are matched to a degree that meets or exceeds calibration standards used in some professional testing laboratories.
Laboratory-Grade Calibration Quality In addition to its accurate chemical profile, Upass reproduces the visual and physical characteristics of fresh human urine, including realistic foam formation, clarity, and natural coloration. Its subtle scent and foam behavior further reinforce its authenticity. The review noted that certain laboratories employ Upass for equipment calibration purposes—an endorsement that underscores its scientific precision.
Shelf Life and Packaging Innovation Upass also scored strongly for packaging and shelf stability. The product is shipped in a sealed, contamination-resistant container that protects it from environmental changes, extending its shelf life compared to competing brands. Its ready-to-use format, combined with clear storage guidelines, contributes to consistent quality over time.
Brand Reliability and History SafeguardLabs, the manufacturer of Upass, has maintained a steady presence in the synthetic urine market for over a decade. Known for consistent quality control and adherence to published specifications, the company’s reliability was a key factor in securing the top ranking. The review found no significant discrepancies between Upass’s claimed specifications and independent measurements.
A Clear Market Leader for 2025 “With measurable performance advantages in composition accuracy, realism, and packaging, Upass sets the current standard for synthetic urine products,” said Mark Wiseberg, lead analyst at Industrial Market Research Group. “Its chemical fidelity to natural human urine and proven shelf stability make it the clear choice for both consumers and industry professionals.”
The full review includes comparative analysis of other leading brands in the market, detailing how they ranked in each test category. These findings are available upon request for industry stakeholders, laboratories, and regulatory bodies seeking further technical detail.
Media Contact
Company Name: Industrial Market Research Group
Contact Person: Mark Wiseberg
Email: Media@marketresearchgroup.com
Country: United States
Website: https://safeguardlabs.com/
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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.
Press Release
Carrying the Torch: How Andrew Bartnikowski Turned One Man’s Legacy into a Lifeline for Columbus Fire Families
Ohio, USA, 21st August 2025, ZEX PR WIRE, In the fire service, leadership is not measured by rank alone. It is measured by how far you are willing to go for your brothers and sisters in uniform, both in the heat of an emergency and long after the sirens fade. For Andrew Bartnikowski, a veteran firefighter, paramedic, and community leader, that standard has shaped every step of his 20-year career.
Since 2012, Bartnikowski has served with the City of Columbus Division of Fire, answering more than 10,000 emergency calls with the precision, composure, and decisiveness that have earned him a reputation as both a skilled responder and a trusted leader. His career also spans tenures in Worthington, OH, and Bluffton Township, SC, bringing with him a wealth of experience in emergency response, financial planning, program management, and professional training.
But it is his work beyond the fireground that has left perhaps the most enduring mark, most notably, his founding of the Class 12/10/12 Foundation, a 501(c)(3) nonprofit born from tragedy, driven by camaraderie, and sustained by compassion.
The foundation’s roots trace back to 2012, when Firefighter Brandin O’Keefe, Bartnikowski’s academy classmate, was diagnosed with melanoma while still in training. Despite his diagnosis, O’Keefe fought through the academy with unmatched determination. “There was nobody tougher than Brandin,” Bartnikowski recalls. “He wrapped his legs every day, pushed through the pain, and never once complained. He was determined to make it through, and he did.”
When O’Keefe later passed away, Bartnikowski and fellow classmates organized a small golf outing to support his wife, Karen, and their children, Abigail and Evan. That first gathering was modest, raising funds for groceries, Christmas presents, and other essentials, but its impact sparked something far greater.
Over the next 11 years, the golf outing evolved into a major annual event, raising over $150,000 to support firefighter families facing injury, line of duty death, or suicide. This year’s Brandin O’Keefe Memorial Golf Outing, held September 25 at Cumberland Trail Golf Club, generated $10,500 for the foundation and its partner, the Save A Warrior Foundation, which supports veterans and first responders struggling with PTSD.
From its inception, Bartnikowski’s vision for the foundation was clear: honor Brandin’s spirit by making sure no member of the Columbus Fire Division family faces hardship alone. His leadership has extended beyond fundraising, building community partnerships, creating sustainable support systems, and ensuring that the foundation responds quickly and effectively to those in need.
As Lead Paramedic, instructor, and mentor, Bartnikowski’s service ethos permeates every aspect of his professional life. He has trained recruits in live fire scenarios, coordinated large-scale preparedness drills, and streamlined operational processes, including cutting patient care report time by 20%. He has represented firefighters as a union steward, helped negotiate a $300M labor contract, and advised on safety and EMS policy changes.
The golf outing is, in many ways, an extension of that same leadership, strategic, collaborative, and driven by results. This year also marked a symbolic transition, as Bartnikowski and the original organizing committee passed the torch to Firefighters Joshua Cumston and Tom Covert. “It is bittersweet,” Bartnikowski admits. “This event has been part of my life for over a decade. But it is also exciting to see the next generation step up. That is what Brandin would have wanted, his legacy carried forward, year after year.”
The impact of the event is deeply personal for Brandin’s family. His brother, Danny O’Keefe, participated again this year and reflected on its significance. “Brandin was the oldest and someone I looked up to my whole life. Even though his time at the firehouse was short, the mark he left on his classmates and the fire service was huge. The fact that this event still exists 11 years later means everything, especially now that his kids are becoming young adults.”
Bartnikowski’s ability to turn one man’s fight into a movement is a case study in how leadership works in the fire service. It is not about personal recognition, it is about building something that lasts, something that keeps people connected and supported long after the immediate crisis is over.
Opinion: In a world where memorials often fade and good intentions lose momentum, the endurance of the Brandin O’Keefe Memorial Golf Outing proves what is possible when commitment meets community. Bartnikowski could have helped once, then moved on. Instead, he built a platform that has outlived its founders, outgrown its original scope, and outperformed expectations every single year. That is not just event planning, it is legacy building.
The foundation does not just hand out checks. It stands as a living promise that in the Columbus Fire Division, no one stands alone in hardship. It has supported families navigating sudden medical crises, assisted children coping with loss, and contributed to mental health programs for those silently struggling. The partnership with Save A Warrior is a natural fit, addressing the urgent and often hidden mental health needs of firefighters and veterans alike.
As for Bartnikowski, his work with the foundation reflects the same qualities he has shown in every role he has held, whether leading a medical scene, instructing the next generation, or negotiating for firefighter safety and benefits: focus, persistence, and a refusal to settle for “good enough.”
A graduate of The Ohio State University with a BS in Resource Management, Bartnikowski holds certifications in Paramedicine, Fire Instruction, HAZMAT, Rope Rescue, and more. His diverse background in skilled trades, financial services, and emergency response has given him the ability to approach challenges from multiple angles, a skill that has proven invaluable in both the field and the foundation.
As the sun set on this year’s outing, the final tally was more than just $10,500. It was another chapter written in a story of resilience, brotherhood, and lasting impact. Bartnikowski may have passed the operational reins to Cumston and Covert, but his fingerprints are all over the event’s DNA. His vision ensured that the foundation was not dependent on any one person, it was built to last.
And that is the ultimate measure of a leader, not just how they respond when the alarm sounds, but how they inspire others to keep answering the call, year after year, for a cause worth fighting for.
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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.
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