In this episode, Gary speaks with his personal MD, Dr. Carlos Yu. Dr. Yu specializes in getting people OFF their medications, responsibly, by replacing the effects of the meds through meditation classes, nutrition, etc. Their discussion delves into social contagions, and what they do to the lungs, social media hygiene, exercise, etc. and they do a LIVE 2 minute meditation!

What you'll learn

Bio

Dr. Carlos Yu, BMath, MD, CCFP(EM), CTH, FCFP

Dr. Carlos Yu is a Psychotherapy, Addiction Medicine, Integrative Family medicine, Emergency medicine, and Travel Medicine Physician at Ajax Harwood Clinic.  Carlos graduated from the University of Western Ontario and completed his residency training at North York General Hospital.  His interests also include promoting population wellness through giving talks or running wellness groups at schools and other institutions.

He runs weekly Accu-stress Reduction and Mindfulness -based Intervention groups open to everyone from his clinic in Ajax.

He received group facilitation training through Mindfulness Without Borders, a non-profit organization that delivers mindfulness training to help individuals manage stress and emotional difficulties.   

Website/contact info for Dr. Carlos Yu

Phone number

9056830690

Facebook

https://www.facebook.com/carlos.yu.940

Instagram

https://www.instagram.com/c.yu765/

Website

https://ajaxharwoodclinicblog.wordpress.com

https://www.whatisharewithpatients.com/p/home-page.html?m=1

Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

In this episode, Gary was a guest on Sarah Larbi’s podcast, a real estate investor, speaker, podcaster and mentor with many years of experience. They had a wide-ranging discussion on many topics, such as investing, currency, and how business will need to innovate and change to survive this pandemic for the future.

What you'll learn

• Gary’s opinions on money, and the historical significance of investing
• The significance of WW1 and investing
• the significance of gold on currencies
• Why countries aligned their currencies to the US dollar in 1944 and became FIAT currency
• Why wars caused these countries to print money, and the ramifications
• 1971 Nixon unpegged the currency and the dollar became paper!
• How COVID-19 interrupted economies, and why countries will have to print TRILLIONS of dollars to keep the economies going * What will be the plan to deal with all this excess currency, is it inflation?
• Will governments be able to bail out or rescue every business affected?
• What is the silver lining in this crisis - innovation, and what it means!
• How jobs will change, move or be made redundant * How the workforce may change due to COVID changes, and how will the culture change - ‘water cooler’, traffic, etc.
• How local manufacturing, vs foreign may dominate the future
• How we’re repositioning our business to prepare for the future
• Why some investors are worried about being over leveraged
• Why good landlords are having more success, both now and during non-pandemic times
• How landlords can innovate to accept alternate forms of payment if needed
• House price predictions for the future
• And MORE!

Bio

Sarah Larbi had the drive and focus to embark, build and grow a seven-figure, 10 property investment portfolio by her early 30’s, all whilst full-time employed. Known as the BRRRR Expert, her results-oriented approach has been featured in numerous Canadian media, on the stage at events like Canadian Real Estate Wealth Investor Forum and as a guest on many North American finance-focused podcasts.

Sarah hosts her own podcast “Where Should I Invest?”, which reached the Top 50 of All Time for Canadian Investing on Apple podcasts and is also co-founder of The REITE Club and co-hosts their own successful podcast.

Website: https://sarahlarbi.com/podcast-home/

Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca 

In this episode, Gary speaks with Stefan Aarnio, a real estate investor with many years of experience.  Stefan has flipped thousands of properties, but also has experience with currency investing, and is a historical and current currency expert.

What you'll learn

Bio

Stefan Aarnio is an Award-Winning real estate Investor, Entrepreneur, Author and winner of the 2014 Rich Dad International Hall of Fame award. Starting with only $1200, Stefan has built a Multi-Million Dollar portfolio for himself and his partners and has been recognized on The Self-Made List.

Stefan runs a Podcast called “Respect The Grind” which is a series of interviews with elite people in various industries. The interviews are all about how it takes 10 years and 10 000 hours to achieve mastery in any practice and industry, and you must respect the grind!

Website/contact info for guest

Amazon - https://bit.ly/2V95soa 

Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

One of the things I’ve learned over the years is to surround yourself with the best in the industry and Daniel Patton is just that! A partner of Smart Home Choice, Daniel has been a mortgage agent for over 18+ years with a personal ranking of 17th across Canada for 2019 with Butler Mortgages (who recently ranked #1)... now that’s impressive!

On this Podcast we discuss the current market conditions, the major changes the Bank of Canada has introduced and is now the right time to refinance? and so much more. Learn from the best to be the best! 

What you'll learn

• Why variable rate mortgages are lower than fixed right now
• What happened on Friday March 13th!
• Why prime rate dropped 1% in one week
• Why prime - X% discounts are being removed for most new mortgages
• Why Prime +40 might cheaper than Prime -40!
• Why fixed rate mortgages are more expensive right now due to risk
• Why the Bank of Canada rate is dropping yet some mortgages are going UP due to the bond market
• Rates are only one factor in a mortgage - features, options and more are important too
• As debt grows governments will have to prop up the system to avoid a collapse
• Why B lenders are financing 75% not 80% at the moment
• Why A & B lenders have different qualification rules regarding income
• Why brokers can ‘get creative’ with income
• How is Genworth, a mortgage insurance company handling layoffs
• How temporary and potentially permanent layoffs are affecting approvals
• Why you do your homework and prepare questions before contacting a mortgage agent
• Why you shouldn’t Google interest rates, as they are many factors that influence rates
• Why investors sacrifice rate for options by choosing a lender
• Is now a good time to refinance your mortgage? It depends on mortgage type, renewal date & penalty
• Will Lines of Credit be more restricted?
• Should you take advantage of the mortgage deferral?
• How is the deferral structured and will it affect your credit?
• Documentation is key to assist your broker or lender - bank balances, investment statements, RRSPs, etc
• Why you should provide your lender with an overall plan to assist with lending
• And MORE!

Bio

Daniel Patton has worked in the mortgage business for over 18 years and has established himself as one of the top mortgage agents in Canada.  Along with his business partner Dave Butler of Butler Mortgages, Daniel has helped grow Butler Mortgage into the number 1 brokerage for investors by working closely with his clients on a day to day basis. 

Whether it be a self-employed investor, first time investor or seasoned veteran looking for ways to acquire more properties, Daniel and his team have years of experience planning and strategically helping investors from all areas both inside and outside of Ontario.

"Investors, much like houses come in all different shapes and sizes, we must adapt to their situation and find ways to get approvals.  Not every situation is alike and some require more time and patience, we strive on putting together a plan and working closely with our investors and love helping them achieve their financial goals and freedom."

Daniel was Ranked as the #17 mortgage broker in Canada in 2019 by CMP Magazine and along with his team of investor savvy mortgage experts, they look to build on what is already been an amazing journey. 

Website/contact info for guest

Email: daniel.patton@butlermortgages.com

Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca