Podcasts about borrowell

Welcome to a special edition of the Fintech Takes podcast. I'm Alex Johnson, here with Colton Pond, Chief Marketing Officer at LoanPro. We're recording live from the Salt Flats outside of Salt Lake City during LoanPro's customer advisory board meeting. I'm excited to dive into one of my favorite topics—loan servicing—and co-interview a few attendees with Colton. In this episode, we'll consider what happens after a customer says “yes.” First up, we speak to Jeff Yim, CFO at Borrowell, one of Canada's largest fintechs, helping 3.5M members navigate credit. In a landscape shaped by rising mortgage rates, Jeff speaks to how stellar onboarding and customer service are essential for a competitive edge. Next, we chat with Jared Jones from Moov, a payment platform that's evolved into both an acquiring and issuing processor. As ACH payments decline, they offer competitive fixed interchange rates for debt repayment, focusing on user-first innovations. Then Nick Pesce from Happy Money, dedicated to unsecured personal loans in partnership with credit unions, shares how they're scaling to meet demand for flexible loans, leveraging personalized approaches and credit union partnerships as credit card debt hits record highs. That's followed by Kamal Rajan and Anthony Navarro, who are building business banking at Golden 1 Credit Union, one of the largest credit unions in the U.S. They reveal how they're overcoming legacy challenges as they prep to launch ten new products. Raising the standard of quality for embedded finance infrastructure, Newline™ by Fifth Third is an API platform that enables enterprises to launch and scale payment, card and deposit products directly with Fifth Third Bank.   Learn more at newline53.com 00:10:34 - Jeff Yim, Borrowell 00:24:42 - Jared Jones, Moov 00:41:43 - Nick Pesce, Happy Money 01:00:00 - Kamal Rajan and Anthony Navarro, Golden 1 Credit Union 01:15:54 - Greg [undisclosed] Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Colton Pond: LinkedIn: https://www.linkedin.com/in/colton-pond-469b11ba/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Companies featured: https://www.loanpro.io/ https://borrowell.com/ https://moov.io/ https://www.golden1.com/

Paul Bagnell, Anchor at BNN Bloomberg joins guest host Robin Gill to answer this weeks 'The Explainer' question. On todays show: Andrew Graham, CEO of Borrowell joins guest host Robin Gill to discuss the first program in Canada that allows renters to report up to 24 months of past rent payments. Kelsey McEwen, Chief Meteorologist for CTV's Your Morning joins guest host Robin Gill to go over the 'heat dome'.  The Daily Debrief Panel with Scott Reid, Kathleen Monk, and Kory Teneycke. Matt Cauz, TSN 1050 host joins guest host Robin Gill to discuss the Oilers winning game 5 of the Stanley Cup Finals. Dr. Mitch Shulman, a CTV Medical Analyst and an emergency medicine specialist joins guest host Robin Gill to breakdown the 'Zyn' fad after Zyn pouches were recalled, and not authorized for sale in Canada.

One of the challenges many newcomers face is building credit when they first arrive to Canada. We have Eva Wong, co-founder and chief operating officer of Borrowell, join us to share her tips on how newcomers can grow their credit score. Find out more at borrowell.com and on X(Twitter) and Instagram. Connect with Eva on Instagram and X(Twitter).

Newcomers and building credit. Founders of Mundo Together Carolina Restrepo and Juan Cala came to Canada around six years ago. They share their experience building up their credit history when they first came here. Then, navigating the challenges of building credit as a newcomer. Eva Wong, co-founder and chief operating officer of Borrowell, shares her tips.  And, a look at tipping culture in Canada with University of Guelph food economist Mike Von Massow. Plus, all you need to know about opening up an RESP with Craig Hughes, director of tax and estate planning at IG Wealth Management. To find out more about the guests check out: Carolina Restrepo & Jaun Cala: mundotogether.com | Instagram | YouTube | TikTok Borrowell: borrowell.com | X(Twitter) | Instagram Eva Wong: Instagram | X(Twitter) Mike Von Massow: Instagram | X(Twitter) | Food Focus Craig Hughes: ig.ca | X(Twitter) | Facebook Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Episode Topic: In this episode of PayPod: The Payments and Fintech Podcast, hosted by Jacob Hollabaugh, the Payments Industry podcast delves into the significance of partnerships and affiliate marketing in the financial sector. The discussion primarily focuses on how these strategic approaches can be effectively utilized to foster growth and enhance customer acquisition. Throughout the episode, Nicky Senyard, founder and CEO of Fintel Connect, shares invaluable insights into the evolving landscape of affiliate marketing within the financial industry, emphasizing the critical role of compliance in establishing and sustaining successful partnerships. Additionally, she sheds light on the innovative use of technology to navigate the intricate nuances of this space, ultimately delivering substantial value to customers. Lessons You'll Learn: Throughout the conversation, Nicky Senyard highlights the significance of affiliate marketing in the financial sector. She emphasizes the importance of data in marketing, emphasizing its role in understanding customer behavior, optimizing marketing channels, and driving value for financial institutions. Nicky also sheds light on the challenges and opportunities in the affiliate marketing space, particularly within the highly regulated financial industry. About Our Guest: Nicky Senyard boasts over two decades of experience in the affiliate marketing realm. Her journey began in PR and marketing, where she developed a strong foundation in the industry's intricacies. Nicky's entrepreneurial spirit led her to establish and eventually exit her first SaaS marketing technology company in 2016. As the CEO and Founder of Fintel Connect, she is dedicated to transforming the financial services industry by providing growth opportunities for clients and partners. Her commitment to innovation has propelled Fintel Connect to the forefront of affiliate marketing in the financial sector, securing partnerships with renowned institutions like Scotiabank, Tangerine, and Borrowell. Topics Covered: The episode covers a wide range of topics, including the role of affiliate marketing in the financial industry, the challenges of compliance in content marketing, and the evolving landscape of digital acquisition. Nicky Senyard also explores the importance of simplicity and functionality for small and medium-sized businesses seeking financial products. The conversation underscores the value of data in marketing and its role in optimizing customer acquisition strategies. Overall, the episode provides valuable insights into the dynamic world of affiliate marketing within the financial sector. Check our website: https://www.soarpay.com/

As the cost of living continues to rise, more Canadians are finding themselves in financial trouble. While it's normal to have some level of debt, it becomes a problem when it becomes unmanageable. According to a recent report from Equifax, the average credit score of Canadians is between 600 and 650. People with scores equal or above 650 are considered to be financially stable and those above 760 are considered excellent.But what happens to your credit score if you file for Bankruptcy or a Consumer Proposal? How is your credit rating affected and how can you rebuild it? Licensed Insolvency Trustee, Mary-Ann Marriot answers those questions and more. She also covers:How long it takes to rebuild your score The difference between your credit score and your credit worthinessCommon mistakes made when rebuilding credit scoresHow often you should check your scoreCredit reporting services: Borrowell and Credit KarmaApplying for credit after an insolvency and secured credit cardsIf you need advice about anything from budgeting to Bankruptcy contact a Licensed Insolvency Trustee. They are federally regulated and licensed by the Canadian government and will give you honest, unbiased advice.About Mary-Ann Marriot Mary-Ann Marriot has been working in the insolvency field for over 25 years. She received her Chartered Insolvency & Restructuring Professional designation in 2005 and her Licensed Insolvency Trustee license in 2014.Mary-Ann is passionate about helping people become financially literate. She feels honoured to be able to help individuals discover solutions to overwhelming situations and find peace-of-mind in their lives. Additional Resources Allan Marshall & Associates Licensed Insolvency TrusteeRebuilding Credit: How Long Will It Take To Get My Credit Back?3 Forms of Payment That Help Build Credit After Bankruptcy

After the interview with credit expert Richard Moxley, Meghan and Lindsay share their biggest take aways, ideas and thoughts   LINKS:  Black is the New Red: THE place to have Canadian money conversations! www.facebook.com/groups/blackisthenewred  Richard Moxley is one of Canada's leading authorities on personal credit. After seven years as a mortgage broker, he had had enough in watching people forced to pay thousands of dollars in excess fees and rates, all because no one had taught them the basic rules of credit. Learn to level up your credit game on his website:  https://creditgame.net/  Email him ANY credit questions: info@creditgame.net Credit PIE chart: https://www.skidmore.edu/hr/documents/Credit-Score-Pie-Chart.pdf SHOUTOUT: Are you experiencing the decision-fatigue like we are?? Tell us!!  HOMEWORK:  find something that you can OFFLOAD to someone else! Tell us what you're offloading and how you're doing it… so that we can learn from you!  HOW TO GET IN TOUCH: Join in the conversation with 8000+ other Canadians (and finance industry pros) in Black is the New Red: www.facebook.com/groups/blackisthenewred DM Lindsay @ www.facebook.com/lindsayplumbmoneycoach  DM Meghan @ https://www.facebook.com/porterougeco  Email Richard @  info@creditgame.net  Show Notes:  00:01:16:; Credit cards are not evil.  It's NOT bad to use one. It IS important to have rules. For some people, the best strategy is to choose one or two things that you are going to use your credit card for (like gas, or cell phone bills) and then you know to regularly pay it off.  00:02:22: Having rules for your credit card usage can help avoid decision fatigue and impulsive decisions. There are SO many different decisions that can affect your score, so having a strategy in place will help take the guesswork out.    00:08:39 Richard even says no to joint accounts or cards with his WIFE! It makes sense though. Even though you may trust your partner, and know that they aren't going to run off or purposely make poor decisions… people still make mistakes. If they accidentally forget to pay a bill, it won't just affect them… it will affect you too!    00:13:41 Lindsay's rule is to aim for a credit score of 750. Anything over that, and your time would be better spent focusing on your budget or investment strategy.  00:17:25 Linsday talks about when she recommends credit monitoring apps like Borrowell or Credit Karma to her clients.   

Aujourd'hui, je vous parle de la hausse du taux d'intérêt directeur au Canada! Je pense sincèrement que nos Gouvernements veulent nous garder PAUVRE. Laissez-moi savoir ce que vous en pensez dans les commentaires et PARTAGER SVP! Sur ce, bonne vidéo! Bruno

“If you want to accomplish things or make changes, you just have to do it in little steps and make it a regular habit.”– Eva WongEva Wong never imagined herself as a co-founder or working in tech but sometimes life surprises you. After several years working for private and not-for-profit companies worldwide, Eva took a chance and teamed up with, now co-founder, Andrew Graham to create Borrowell and make financial prosperity possible for everyone.This week on Behind the Brand, Eva and Jeff talk about what it's like to be a tech company founder without a technical background and the need for inclusive financial services in the Canadian market.Looking for more?Discover more about Borrowell here.Follow them on Instagram, Twitter, Facebook, and TikTok.You can learn more about Neo Financial here.Follow us on Facebook, Instagram, Twitter, and LinkedIn.Interested in joining Neo? Unlock a special offer for podcast listeners here: join.neo.cc/podcast50

Daniel Debow is VP of Product at Shopify. Dan's energy is contagious. He is a talented founder, leader, and an incredible bass player. Dan shares his insights from decades of his career, and makes the connection creating music in a group, and creating space for expression in the workplace. Daniel was CEO and founder of Helpful, a startup backed by Bessemer Ventures that was acquired by Shopify in 2019. Daniel was co-founder of Rypple, which was acquired by Salesforce in 2011, where he was SVP, Emerging Technologies. Prior to Rypple, Daniel was VP Marketing & Corp Dev for Workbrain, which was acquired by Infor in 2007. Daniel is an early-stage investor in over 100 technology companies including North, Layer6, Spell, Wealthsimple, Ritual, GoInstant, SkipTheDishes, Clearbanc, Kindred, Borrowell, and Clio. In 2015 he was recognized as Canada's “Angel Investor of the Year”. Daniel holds a JD/MBA (Gold Medalist) from the University of Toronto, an LLM from Stanford University and a BA (Psych) from Western University. He is an Adjunct Professor at the University of Toronto and a Founding Partner of the Creative Destruction Lab, Root Down Studios, and 42 Developments.

With the rising cost of living due to inflation, many Canadians are stuck relying on credit cards and loans in order to pay for necessary items in their lives. This is causing an increase in debt levels and an overall fear of finances for a lot of people. Our guest today is Eva Wong, Co-Founder and Chief Operating Officer at Borrowell, a financial technology company dedicated to making financial prosperity possible for everyone. In this episode, Eva will be sharing her advice for those Young Money listeners wanting to get out of debt and build their credit scores so they can start working toward financial well-being. Listen in as Eva explains the importance of surrounding yourself with successful people who are either on the same path as you or are where you want to be in your career. You will learn several tips for improving your credit score, the benefit of focusing on one small action toward your goals, and why you should never get complacent with your financial situation. “Your happiness isn't necessarily a one-for-one direct correlation with how much money you're making.” - Eva Wong This Week on Young Money: Eva's journey to entrepreneurship and how she ended up where she is today. The importance of understanding your financial and debt situation. How to be more self-motivated. Why the amount of money you make doesn't necessarily correlate with how happy you are. Eva's advice for improving your credit score. Key takeaways: Find your passion. Use technology to your advantage. Don't get complacent. Surround yourself with good people. Check your credit score often. Connect with Eva: LinkedIn Twitter Website Borrowell Facebook Borrowell Instagram Borrowell Twitter Borrowell LinkedIn Resources Mentioned: Tracey Bissett – Money Coach YouTube Channel Rent Advantage Rate, Share & Inspire Other Young Millionaires-in-the-Making  Thanks for tuning into the Young Money Podcast - the advice show for young millionaires-in-the-making! If you enjoyed this week's episode, head over to Apple Podcasts and leave us a rating and review. Visit our website to learn how easy it is to leave a review on Apple Podcasts. Don't forget to share your favorite episodes on social media!  Follow the Young Money Podcast on iTunes so you never miss an episode and reach out to us on Facebook, Twitter, LinkedIn, our LinkedIn Company Page, or by visiting our website.

Andrew is the Co-Founder and CEO of Borrowell, a company that helps over 2 million Canadians with their financial health through tools like free credit scores and a recently launched program that helps renters to build credit with their rent payments. With a passion for finance and public policy, Andrew is dedicated to helping Canadians make better decisions about their personal finances. He was named an EY Entrepreneur Of The Year® 2019 award winner in Ontario. In his free time, Andrew enjoys spending time outdoors and with his family. Connect with Joe Instagram >> https://www.instagram.com/thejoemomoh/ LinkedIn >> https://www.linkedin.com/showcase/joe-momoh/ Facebook >> https://www.facebook.com/thejoemomoh Twitter >> https://twitter.com/thejoemomoh

Getting started with a consumer product is HARD. Unlike selling to businesses, you can't just grind it out with cold calling. You'll need to figure out how to get noticed and drive traffic to your site. And getting media attention is one of the best ways to do it. Andrew is the founder of Borrowell, a startup with millions of users. When he launched he was featured in dozens of publications across the country.  For the first time, he describes in clear, step-by-step detail, exactly how he did it. If you want to maximize media attention, you won't want to miss this episode. 

Andrew Graham is co-founder and CEO of Borrowell, a financial technology company that helps consumers make great decisions about credit. Borrowell was the first company in Canada to offer credit scores for free and has grown to be one of the country's largest fintech companies, with over 2 million users. Borrowell has won numerous awards, including being named one of the top 100 fintech companies in the world.    Earlier in his career, Andrew held senior roles in corporate strategy and mergers and acquisitions. Andrew holds an MBA from Harvard Business School and an MA in economics from the University of Edinburgh. He is a frequent speaker on topics including innovation and fintech. Andrew served as the board chair of The Canadian Club of Toronto and co-founded Toronto Homecoming, a social enterprise.

This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from the track: Financial Health: Fintech Demonstrates its Impact - Sponsored by Plaid and is titled: Creative Ways of Serving the Credit Challenged. Speaking at this session are Joe Whitchurch, Mission Lane, Rodney Williams, Solo Funds, Neil Desai, Kafene, Billie Chitimbire, Esusu with Moderator: Eva Wong, Borrowell.

Andrew Graham, CEO & Co-Founder of Borrowell sits down with Scott Stirrett to discuss the misconceptions of working in politics, and learning how to make quick judgements. To sharing his mission and passion for founding Borrowell, a company designed to help set up financial goals, and aid them in reducing any financial stress that may come with their credit scores. In this episode, we also get to learn the importance of creating a balance between your work and life, and how the two coincide with each other.

How can high-growth B2Cs better allocate capital across current and new marketing channels to achieve breakout growth? View the full video interview here. Rob Palumbo helps consumer scale-ups optimize paid media mix and grow revenue as CEO of OutPoint. Prior to OutPoint, he previously built and led the growth & marketing functions for a few high-growth consumer fintech companies, Borrowell.com (credit & lending), PolicyMe.com (life insurance), and, most recently, Properly.ca (real estate).

We have Eva Wong COO of Borrowell joining us on the podcast today to discuss the journey building one of Canada's fastest growing fintech companies from scratch. We discuss: - Early Days of Borrowell - Moving from employee to entrepreneur - Credit tips - She critiques our business ideas And so much more. Tap in with us and let us know what you think of the episode. FOLLOW HUSTLE OVER EVERYTHING: Instagram: http://bit.ly/2pMQ4jU Twitter: http://bit.ly/2Ix1leI Alex Whitfield Instagram: http://bit.ly/2ScPqH5 Alex Whitfield LinkedIn: https://www.linkedin.com/in/alex-whitfield-94ab0480/ Owen Osinde Instagram: http://bit.ly/2LXmT6t Owen Osinde Linkedin: https://www.linkedin.com/in/owenosinde/

Your credit rating is a score that is used by potential lenders that tells them how much of a credit risk you may be. Most people know they need a good credit history to give them a good credit score. Few of us know how the scoring system works or what we can do to improve our ratings. In today's podcast Licensed Insolvency Trustee, Francyne Myers of Allan Marshall & Associates, sheds some light on this subject. She explains what a good credit score is and how to obtain one. A few of the other topics discussed are:Why it is important to have a good credit score and how to increase itWhat a ‘good' score is versus a ‘bad' scoreWhy your bank may turn you down even with a high scoreIndicators that there are mistakes on you credit reportThe difference between the major reporting services and companies like Borrowell and Credit KarmaLicensed Insolvency Trustees can help you take control of your debt. They are considered some of the best financial advisors in the country and the only ones licensed by the federal government of Canada. About Francyne MyersIn 2012, Francyne left her 23 year public service career and joined Allan Marshall & Associates where she completed her education and became a Licensed Insolvency Trustee in 2013. Alongside with her work she is actively involved in her local Trustee Association. In her spare time Francyne can be found fishing and spending time with her family.Additional Resources Allan Marshall & Associates - Licensed Insolvency TrusteeWhat Is a Good Credit Score in Canada?What Does Your Credit Report Say About You?

Aujourd'hui, en plus de revoir Olivier Day (un ami et collègue podcaster), j'ai eu la chance de renouer avec le parc Michel Chartrand, que je fréquentais lorsque j'étais petit garçon. Pour écouter l'épsiode du Santro Show avec Olivier Day: https://santro.show/podcast/les-dauphins-qui-surf-dans-le-jus-dorange-avec-olivier-day-e197/ Merci à Borrowell de commanditer l'épisode d'aujourd'hui! Recevez votre rapport de crédit gratuitement grâce à Borrowell au: https://santro.show/credit -- Pour les notes complètes de l'épisode, les transcriptions ou pour me joindre: Parc Michel Chartrand à Longueil ( https://santro.show/769 )

En recherchant le numéro de prisonnier de mon père sur le site du "Bureau of Prison" (bop.gov), je me suis mis à entrer des numéros "random" et ça m'a rendu triste de voir la liste de noms des personnes incarcérées. Merci à Borrowell de commanditer l'épisode d'aujourd'hui! Recevez votre rapport de crédit gratuitement grâce à Borrowell au: https://santro.show/credit -- Pour les notes complètes de l'épisode, les transcriptions ou pour me joindre: Bureau of Prison ( https://santro.show/768 )

L'an dernier, j'ai eu une illumination, celle d'enlever les moustiquaires durant l'hiver de sorte à laisser plus de lumière passer je fais une petite mise à jour sur cette idée de génie! Merci à Borrowell de commanditer l'épisode d'aujourd'hui! Recevez votre rapport de crédit gratuitement grâce à Borrowell au: https://santro.show/credit -- Pour les notes complètes de l'épisode, les transcriptions ou pour me joindre: Devrais-je laisser ou enlever les moustiquaires durant l'hiver? ( https://santro.show/767 )

Grosse annonce pour un projet de balado qui me tient à cœur depuis la mort de mon père qui prend forme! Merci à Borrowell de commanditer l'épisode d'aujourd'hui! Recevez votre rapport de crédit gratuitement grâce à Borrowell au: https://santro.show/credit -- Pour les notes complètes de l'épisode, les transcriptions ou pour me joindre: Nouveau projet pour cette semaine ( https://santro.show/766 )

Je rebondis sur l'entrevue de podcast qu'on a fait avec Laurence Belzile (TikTokeuse Québecoise) pour te parler de mes impressions de la plateforme. Pour écouter l'épisode du podcast Un Espresso avec Angelo avec Laurence Belzile: https://rubinoshoes.com/blogs/podcast-un-espresso-avec-angelo/laurence-belzile-comment-devenir-tiktok-famous Merci à Borrowell de commanditer l'épisode d'aujourd'hui! Recevez votre rapport de crédit gratuitement grâce à Borrowell au: https://santro.show/credit -- Pour les notes complètes de l'épisode, les transcriptions ou pour me joindre: Quel est l'intérêt de tiktok? ( https://santro.show/765 )

Malgré que la journée d'aujourd'hui, fut étrange j'ai reçu 2 super bonnes nouvelles dont celle que je commence un nouveau mandat en No-Code la semaine prochaine! Merci à Borrowell de commanditer l'épisode d'aujourd'hui! Recevez votre rapport de crédit gratuitement grâce à Borrowell au: https://santro.show/credit -- Pour les notes complètes de l'épisode, les transcriptions ou pour me joindre: Premier mandat en No Code ( https://santro.show/764 )

Merci à Borrowell de commanditer l'épisode d'aujourd'hui! Recevez votre rapport de crédit gratuitement grâce à Borrowell au: https://santro.show/credit Aujourd'hui, j'ai envie de te parler de la charge mentale que m'ajoute les trois petits points qui flash quand quelqu'un me répond sur le chat. -- Pour les notes complètes de l'épisode, les transcriptions ou pour me joindre: Les trois petits points du chat ( https://santro.show/763 )

Managing your personal finances abroad is one of those huge and often daunting tasks. Newcomers often watch their savings dwindle as they struggle to find a job. They battle with higher living costs than they're used to and have to build a Canadian credit score from scratch. This episode's guest is Jodi from Montego Bay, Jamaica: A self-confessed personal finance geek and the founder of the empowering financial blog, Abundance of Jo.  Jodi shares her story of moving from Jamaica to Vancouver in 2015 to pursue her MBA and tells us her best tips and tricks to get financially ahead as a Canadian newcomer so that we can all live an abundant life.    You don't want to miss: All you need to know about growing up in Montego Bay, Jamaica: Reggae festivals, beaches, waterfalls and spicy food! Vancouver vs. Toronto and the go-to Jamaican restaurants to check out in each city. Jodi's experience as an international student in Canada, adjusting to the West-coast rainy season(!) and appreciating the community that has supported her along the way. The programs for newcomers that you should be asking about when opening a bank account, applying for a credit card, buying a new car, and more. Some simple tips for building your Canadian credit score and how to order your free credit report. Top money-saving tips to help you adjust to higher Canadian living costs and how to effectively budget when you first arrive. PLUS, which budget-friendly apps you should be downloading right now!!   Links & Resources: Add ‘Honey' for free to your internet browser to automatically apply promo codes to your online shopping cart: bit.ly/joinhoneycanada  Visit Jodi's Blog and download her free “Know Your Money” guide: AbundanceofJo.com Tangerine's No-Fee Cash-Back Credit Card: Learn More Comparison Sites: Jessica Moorhouse |  Money After Graduation Requesting your credit report: Borrowell.com Download the Flipp app to access store flyers and coupons: Flipp.com Compare rental prices vs. area: Padmapper Download my 50 free tips from newcomers to Canada: What they wish they knew before they moved! bit.ly/freetipscanada Follow us on Instagram: @TheNewcomerCollective For more about us and what we do, check out our website: TheNewcomerCollective.com Make sure you hit SUBSCRIBE so you don't miss out on any of our inspiring interviews and valuable ‘life in Canada' lessons. And, if you enjoyed this episode, please let us know by leaving a review - Until next week!

This episode was produced remotely using the ListenDeck standardized audio production system.  If you’re looking to upgrade or jumpstart your podcast production please visit www.listendeck.com.  You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify, Audible and iHeartRadio. In this episode the host John Siracusa chats remotely with Andrew Graham, Co-founder & CEO of Borrowell.  Borrowell is a credit education company that offers free credit scores, education, and weekly credit monitoring. It also offers innovative digital tools like personalized credit coaching and AI-powered financial product recommendations.    Tune in and Listen. Subscribe now on Apple Podcasts, Google , Stitcher, Spotify, Audible and iHeartRadio to hear next Tuesdays interview with Edward Woodford from Zero Hash. About the host:   John, is the host of the  ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin and Million Dollar Startup, a fully remote, high quality pitch competition podcast.   He's also the founder of the remotely recorded, studio quality standardized audio production system ListenDeck.   Follow John on LinkedIn, Twitter, Medium

This episode was produced remotely using the ListenDeck standardized audio production system.  If you’re looking to upgrade or jumpstart your podcast production please visit www.listendeck.com.  You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify, Audible and iHeartRadio. In this episode the host John Siracusa chats remotely with Francis Wenzel, Co-founder & CEO of  TickSmith. TickSmith, with its Enterprise Data Web Store, simplifies the online data shopping and distribution experience for data buyers and provides the necessary tools for data producers to connect, package, unify and monetize their data.   Tune in and Listen. Subscribe now on Apple Podcasts, Google , Stitcher, Spotify, Audible and iHeartRadio to hear next Thursdays interview with Andrew Graham from Borrowell. About the host:   John, is the host of the  ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin and Million Dollar Startup, a fully remote, high quality pitch competition podcast.   He's also the founder of the remotely recorded, studio quality standardized audio production system ListenDeck.   Follow John on LinkedIn, Twitter, Medium

It's Thursday February 25th 2021, and today we'll be talking about: Vancouver's Dapper Labs shoots some hoops to raise $250m, Toronto based Borrowell raises $25M to acquire Kelowna BC-based Refresh Financial, and Diligent acquires Vancouver based Galvanize for $1 billion.

On the fifth episode of MI$$ FINDEPENDENT, Gloria is joined by her friend Albert, they discuss debt and credit scores - different kinds of debt, strategies to pay them off, what a credit score is, how to figure it out and factors that affect your credit score and why it's important. Homework Task 1: If you have debt, create a repayment plan by listing our all of your debt from largest to smallest (sum or interest rate). If you need help, credit counseling is available: https://www.canada.ca/en/financial-consumer-agency/services/debt/debt-help.html Task 2: Find out your credit score and determine whether you need to take steps to improve it Links Where to check your credit score: Borrowell - https://borrowell.com/ Credit Karma - https://www.creditkarma.ca/ Mogo - https://www.mogo.ca/free-credit-score Sources: Gov't of Canada Financial Consumer Agency Debt Free Plan - https://www.canada.ca/en/financial-consumer-agency/services/debt/plan-debt-free.html Gov't of Canada Financial Consumer Agency Credit Score Info - https://www.canada.ca/en/financial-consumer-agency/services/financial-toolkit/credit/credit-5/3.html Common Credit Score Myths - https://bankruptcycanada.com/dealing-with-debt/common-credit-score-myths/ -- Disclaimer - Miss Findependent is sharing perspectives on personal finance for educational purposes. It may not apply directly to your individual situation. I'm not a licensed financial advisor and it's a good idea to consult with one before making any serious financial decisions. References to products, offers, and rates from third parties often change, please double check on the third party website to get the most up to date info. --- Send in a voice message: https://anchor.fm/missfindependent/message

Borrowell is helping customers reduce and manage their financial pressures during the global pandemic. Co-founder, Eva Wong, joins us to reveal their app's strategy. Plus, the car-buying app that gets users on the road with convenience with co-founder and President of Fair, Georg Bauer. Also, we explore TikTok's would-be replacement, Clash, with our favorite internet Dad, Brittlestar. In Socially Speaking, we discuss Twitter's stance on disinformation, including labeling government and state media officials to help users trace information and sources.   Find out more information from our guests here: borrowel.com fair.com clashapp.co You can also find both AmberMac and Michael B on Twitter.

Your credit score is a very important thing to manage as it lets you get the lowest possible rates on your mortgage, car loans, lines of credit, and any other debt that you may wish to take on now and in the future. In Canada, the best loans with the best terms are reserved for people with high credit scores. So, even if you don't need any sort of loan now (like a mortgage, car loan, or a line of credit), it is something that you should keep an eye on and strive to improve, as you don't want to be overcharged on interest payments if you ever do need some financing. Even though we no longer have a mortgage or any debt, I still use a free tool to monitor my own credit score, just to ensure that the best loans are available to me in case I ever need them, and to help protect myself against identity fraud. For example, if somebody got a hold of my credentials and tried taking out credit cards or loans in my name, I can quickly catch that and report it, instead of letting them gradually destroy my credit score over time. I like sharing the apps and tools that I personally use on the podcast and the free tool that I use to do all of this is called Borrowell. So today on the show, I brought on the CEO of Borrowell, Andrew Graham so that I can ask him some questions after using his tool for almost a year. We cover things like: How to increase your credit score The key things that can cause our score to decline How to read the credit report so you can see if there are any issues How to fix issues on our credit report that are negatively impacting our credit score and much more. Resources and Links Mentioned: The tool that I use to check and monitor my credit score for free is over at Borrowell. You can learn more about Borrowell Boost here. Free tickets to the Canadian Financial Summit: To get the free tickets, just sign up anywhere on the main page of BuildWealthCanada.ca and I'll email them to you once they are ready. Questions Asked: Your company offers free credit scores and reports from Canada's largest credit bureau, Equifax. For anybody completely new to all of this, who is Equifax and why should we care?  To help further answer the question of why we should even care about our credit score; from your experience, how big of a difference have you seen in the interest rate offered to Canadians who have a low vs a high credit score? Many of us have heard about how if our credit score gets checked too much by companies, it can actually lower our credit score. This leads us to the subject of hard vs soft inquiries. Can you talk about what those are? If we need a loan and are shopping around, how do we ensure that we don't get too many hard inquires? I've been using your tools for a while now and one of my favourite time-saving ones is how you automatically calculate our credit utilization score. Can you explain what that is and what credit utilization score we should aim for? Does our credit score improve the lower our credit utilization percentage is to 0%? Or do we really just need to ensure that we're under the specific number? When we receive our credit report (whether it's through you guys or someone else), what specifically should we be looking for and analyzing while going through it? I realize your tool actually does custom suggestions on how to improve our credit score once it pulls our information, but what are some best practices that anybody can apply when it comes to increasing our credit score? At what point is our credit score in that top tier where we are already getting the best possible rate and so it's not worth the effort in trying to improve it any further? How important is it to close down accounts that we still have open but don't use anymore? (ex. credit cards, lines of credit, etc.) If there is an error or discrepancy on our credit report, what's the best recourse that we have as Canadians? Ex. do we contact Equifax? Do we contact the company that put that blemish on our credit report and ask them to fix it? If somebody has no loans and doesn't use credit cards, is that actually bad if you ever do need a loan since lenders want to see that credit history? (ex. A homemaker where their spouse does all the purchasing and their debts are under the working spouse's name?) I'm a big fan of online tools that help me optimize and manage my finances, and you guys have one coming out that I'm pretty excited to try out. Can you talk about the new Borrowell Boost app that you have and what it does? If you liked the episode sign up for free to receive all new episodes as they get released, news on giveaways, and the free guide on the Top 5 Personal Finance and Productivity Tools.

There's been a lot of new programs and initiatives put in place by the Canadian government due to COVID-19 to help you financially. In this episode, I'm going to take you through what's out there so that you can make sure you don't miss out on some free money or benefits that can really help you during this difficult time. I've actually gone through everything that I could get my hands on at the Canada Revenue Agency site, so this is all coming right from the source, and this episode's intention is to save you a lot of time by helping you quickly learn what's out there, whether you're eligible, and help you make an efficient decision on which benefits to apply for, and which ones to make sure you receive. The 2nd part of this episode is going to focus on mortgages, the drastic changes in the interest rate that we've seen (which can of course heavily impact your mortgage payments and decisions), what's happening right now as far as the real estate market is concerned, if you can take advantage of these lower interest rates by renewing your mortgage. We're also going to cover the subject of deferring your mortgage payments, if for example you've lost your job and fear that you may not be able to pay your mortgage while we are all in lockdown due to COVID-19. Links & Resources Covered Chat with Sean for free to get your mortgage questions answered by entering your email at buildwealthcanada.ca/sean Check out Sean's best-selling book, Burn Your Mortgage: The Simple, Powerful Path to Financial Freedom for Canadians. New Tool: Get Your Credit Score Checked for Free A big thanks to Borrowell for sponsoring the show and for building such a great free tool that we can use to check our credit score. It has saved me a lot of time when I want to quickly check the status of my credit score (for example, to ensure there has been no fraud or identity theft on my accounts).  You also obviously want to make sure your score is as high as possible for any mortgages or other loans that you end up applying for (to ensure you get the lowest rate and get approved).  Even if you aren't looking for a loan, I encourage you to at least pull your report for free to help ensure that there are no unauthorized transactions on your accounts. As a best practice, you should be doing this kind of check at least annually.  Thanks again Borrowell for building a tool where we Canadians can finally get access to this data quickly and for free. Resources from the Episode: Top Tools and Resources for Financial Independence (for Canadians): All the top tools and sites that I've personally used to help us achieve financial independence in our early 30s. They're also what we use now to optimize and manage our finances, and ensure that we're paying the lowest fees while getting solid returns on our investments.  Canada's Top ETFs Guide & Top High-Interest Savings Account: In the guide, I go over what I personally invest in, why I invest in it. The investments that I talk about ​are literally where we have almost our entire net worth (apart from our house), and is what we are primarily living off right now in our early retirement. At the very least you'll learn about some great ETFs to consider for your portfolio, and if you are new to ETFs, it'll give you a nice list of some top ETFs to consider from the thousands that are out there.  The guide is available for free to any listeners that that use my special link to sign up for a free savings account with the bank that I personally use, EQ bank.  The reason that I personally use EQ bank, is that they have one of the highest interest savings rates in Canada (they are currently offering 2% which is more than double what the major banks are offering). It's also free to sign up and keep an account with them, so you're not paying a monthly fee like you do with many of the other banks out there. You also get unlimited transactions, unlimited Interac e-transfers, and can take out your money at any time if you need it, and there are no minimum balances. Because of those reasons, I've been with them ever since they launched in Canada years ago, and it's where I keep my entire emergency fund and spending money.  To get the free high-interest account and the free guide on the top ETFs in Canada, just go to buildwealthcanada.ca/eq, open the free account, and once you're done, forward any email that you get from EQ to bonus@buildwealthcanada.ca and I'll send you the full comprehensive guide for free.  Don't miss future episodes, giveaways, and free in-depth guides by signing up for free to the Build Wealth Canada Newsletter

A lot has been happening with the significant stock market declines and coronavirus, so I've been getting lots of questions such as: How am I adapting our portfolio and investment strategy to these declines? Should we be buying into the market at these low prices or selling? Should we be waiting out for the market bottom and then buying? What are the other experts that I listen to and trust saying? With this episode, the goal is to answer these top questions for you. Now, of course, the health and the safety of your family is more important than the temporary performance of an investments portfolio, so that should be the priority. But since I'm not a doctor or medical expert, it doesn't make sense for me to try to give you medical advice. So instead, let's focus on what I do actually have expertise and experience in and shine some light on the investment and financial planning side of things. Enjoy the episode. New Tool: Get Your Credit Score Checked for Free A big thanks to Borrowell for sponsoring the show and for building such a great free tool that we can use to check our credit score. It has saved me a lot of time when I want to quickly check the status of my credit score (for example, to ensure there has been no fraud or identity theft on my accounts).  You also obviously want to make sure your score is as high as possible for any mortgages or other loans that you end up applying for (to ensure you get the lowest rate and get approved).  Even if you aren't looking for a loan, I encourage you to at least pull your report for free to help ensure that there are no unauthorized transactions on your accounts. As a best practice, you should be doing this kind of check at least annually.  Thanks again Borrowell for building a tool where we Canadians can finally get access to this data quickly and for free. Resources from the Episode: Top Tools and Resources for Financial Independence (for Canadians): All the top tools and sites that I've personally used to help us achieve financial independence in our early 30s. They're also what we use now to optimize and manage our finances, and ensure that we're paying the lowest fees while getting solid returns on our investments.  Canada's Top ETFs Guide & Top High-Interest Savings Account: In the guide, I go over what I personally invest in, why I invest in it. The investments that I talk about ​are literally where we have almost our entire net worth (apart from our house), and is what we are primarily living off right now in our early retirement. At the very least you'll learn about some great ETFs to consider for your portfolio, and if you are new to ETFs, it'll give you a nice list of some top ETFs to consider from the thousands that are out there.  The guide is available for free to any listeners that that use my special link to sign up for a free savings account with the bank that I personally use, EQ bank.  The reason that I personally use EQ bank, is that they have one of the highest interest savings rates in Canada (they are currently offering 2% which is more than double what the major banks are offering). It's also free to sign up and keep an account with them, so you're not paying a monthly fee like you do with many of the other banks out there. You also get unlimited transactions, unlimited Interac e-transfers, and can take out your money at any time if you need it, and there are no minimum balances. Because of those reasons, I've been with them ever since they launched in Canada years ago, and it's where I keep my entire emergency fund and spending money.  To get the free high-interest account and the free guide on the top ETFs in Canada, just go to buildwealthcanada.ca/eq, open the free account, and once you're done, forward any email that you get from EQ to bonus@buildwealthcanada.ca and I'll send you the full comprehensive guide for free. 

I recently realized that I haven't really provided an update on our early retirement story and more importantly, the lessons learned from it so far. Therefore my goal for this episode is to share with you what we did wrong and what I think we did right, that allowed us to achieve financial independence by the time I was 32. Please don't interpret this episode as some sort of showing off, bragging, or an ego boost. I absolutely hate arrogance and hubris (it's actually ones of my biggest pet peeves). Instead, the whole idea behind this episode is to give you some actionable insights based on our failures and successes over the years, so that you can hopefully learn from our experiences, apply them to your own financial independence, retire early journey and hopefully cut down the time that it takes you to get there. That's it. New Tool: Get Your Credit Score Checked for Free A big thanks to Borrowell for sponsoring the show and for building such a great free tool that we can use to check our credit score. It has saved me a lot of time when I want to quickly check the status of my credit score (for example, to ensure there has been no fraud or identity theft on my accounts).  You also obviously want to make sure your score is as high as possible for any mortgages or other loans that you end up applying for (to ensure you get the lowest rate and get approved).  Even if you aren't looking for a loan, I encourage you to at least pull your report for free to help ensure that there are no unauthorized transactions on your accounts. As a best practice, you should be doing this kind of check at least annually.  Thanks again Borrowell for building a tool where we Canadians can finally get access to this data quickly and for free. Other Resources: Top Tools and Resources for Financial Independence (for Canadians): All the top tools and sites that I've personally used to help us achieve financial independence in our early 30s. They're also what we use now to optimize and manage our finances, and ensure that we're paying the lowest fees while getting solid returns on our investments.  Canada's Top ETFs Guide & Top High-Interest Savings Account: In the guide, I go over what I personally invest in and why I invest in it. The investments that I talk about ​are literally where we have almost our entire net worth (apart from our house), and is what we are primarily living off right now in our early retirement. At the very least you'll learn about some great ETFs to consider for your portfolio, and if you are new to ETFs, it'll give you a nice list of some top ETFs to consider from the thousands that are out there.  The guide is available for free to any listeners that that use this link to sign up for a free savings account with the bank that I personally use, EQ bank.  The reason that I personally use EQ bank, is that they have one of the highest interest savings rates in Canada (they are currently offering 2.45% which is more than double what the major banks are offering). It's also free to sign up and keep an account with them, so you're not paying a monthly fee like you do with many of the other banks out there. You also get unlimited transactions, unlimited Interac e-transfers, and can take out your money at any time if you need it, and there are no minimum balances. Because of those reasons, I've been with them ever since they launched in Canada years ago, and it's where I keep my entire emergency fund and spending money.  To get the free high-interest account and the free guide on the top ETFs in Canada, just go to buildwealthcanada.ca/eq, open the free account, and once you're done, forward any email that you get from EQ to bonus@buildwealthcanada.ca and I'll send you the full comprehensive guide for free. 

Know nothing about credit scores and why it impacts your life? Is a perfect credit score even possible? Is it better to pay your card off all at once or to pay after each transaction? Prakash and Ajay interview Andrew Graham, CEO of Borrowell, to learn all you need to know about credit scores.

On this episode of Journey Map we're talking with Andrew Graham, Co-Founder and CEO at Borrowell. We talk about Canadian fintech, entrepreneurship and being excited to get out of bed in the morning.

In this episode we talk about credit scores and credit reports. More specifically how they can differ from 1 agency to another. This episode became a requested topic because of the recent CBC Marketplace that had a sample group try Equifax, TransUnion, Borrowell and Credit Karma to pull their credit reports and see how close or different each report actually was.

Today we're going to cover some of the top financial questions asked by Canadians, including the number one question, “Am I saving enough for retirement?”. The way we came up with these questions, is that as you may know, the fee-for-service financial planner that I use is John Kalos, and on my site, I have a page where you can sign up for a free 30-minute consultation with him.  And so, lots of the listeners of the show have met with John for free to get their questions answered and he then took the ones that were being asked most often, and we decided to do this episode on them so that everyone can benefit from them.  The top question was definitely “Am I saving enough for retirement?”, but he also addressed other top questions like “What investments should I be buying for each account (RRSP vs TFSA vs taxable accounts), and how much should I be buying of each?”. Enjoy the episode, and definitely feel free to ask him your own questions one-on-one over at buildwealthcanada.ca/john. When you sign up through that page, I've also set it up so that you'll be automatically emailed a guide that I made on the top questions to ask your financial planner.  This can help you whether you're looking for a new financial planner, or to test out your existing financial planner to make sure that there is no conflict-of-interest and that they really are as competent as they claim to be.  This is something that he's making available on an ongoing basis so even if you are listening to this episode years from now, you can still go there to get some of your top questions answered, privately, and for free. Enjoy the episode. New Tool: Get Your Credit Score Checked for Free A big thanks to Borrowell for sponsoring the show and for building such a great free tool that we can use to check our credit score. It has saved me a lot of time when I want to quickly check the status of my credit score (for example, to ensure there has been no fraud or identity theft on my accounts).  You also obviously want to make sure your score is as high as possible for any mortgages or other loans that you end up applying for (to ensure you get the lowest rate and get approved).  Even if you aren't looking for a loan, I encourage you to at least pull your report for free to help ensure that there are no unauthorized transactions on your accounts. As a best practice, you should be doing this kind of check at least annually.  Thanks again Borrowell for building a tool where we Canadians can finally get access to this data quickly and for free. Other Resources: Top Tools and Resources for Financial Independence (for Canadians): All the top tools and sites that I've personally used to help us achieve financial independence in our early 30s. They're also what we use now to optimize and manage our finances, and ensure that we're paying the lowest fees while getting solid returns on our investments.  Canada's Top ETFs Guide & Top High-Interest Savings Account: In the guide, I go over what I personally invest in and why I invest in it. The investments that I talk about ​are literally where we have almost our entire net worth (apart from our house), and is what we are primarily living off right now in our early retirement. At the very least you'll learn about some great ETFs to consider for your portfolio, and if you are new to ETFs, it'll give you a nice list of some top ETFs to consider from the thousands that are out there.  The guide is available for free to any listeners that that use this link to sign up for a free savings account with the bank that I personally use, EQ bank.  The reason that I personally use EQ bank, is that they have one of the highest interest savings rates in Canada (they are currently offering 2.3% which is more than double what the major banks are offering). It's also free to sign up and keep an account with them, so you're not paying a monthly fee like you do with many of the other banks out there. You also get unlimited transactions, unlimited Interac e-transfers, and can take out your money at any time if you need it, and there are no minimum balances. Because of those reasons, I've been with them ever since they launched in Canada years ago, and it's where I keep my entire emergency fund and spending money.  To get the free high-interest account and the free guide on the top ETFs in Canada, just go to buildwealthcanada.ca/eq, open the free account, and once you're done, forward any email that you get from EQ to bonus@buildwealthcanada.ca and I'll send you the full comprehensive guide for free. 

Eva Wong is the Co-Founder and Chief Operating Officer of Borrowell. Eva talks about the pros and cons of being a woman in the tech industry. She tells us that not all tech companies have done a great job in creating environments that encourage and welcome diversity, and need to do more. Eva also talks about different leadership styles, pointing out that you don’t have to be a loud extrovert to be an effective leader.Check out Borrowell: www.borrowell.comEva on Twitter: @eva_Toronto

Canada’s media organizations are reluctant to release their diversity stats. But Asmaa Malik and Sonya Fatah from Ryerson’s School of Journalism found a way to compile 21 years' worth of diversity statistics by looking at Canada’s columnists. They join to discuss their research.   CORRECTION: The show notes originally misspelled Asmaa Malik's last name. We regret the error. The episode is brought to you by Borrowell, SquareSpace, FreshBooks, and listeners like you. Please consider becoming a monthly supporter on Patreon.

Leaked audio from a NATO summit reveals Trudeau’s totally reasonable reaction to Trump. Did an Edmonton school board try to shut down a radio interview advocating for a student? The Globe and Mail’s China coverage is... inconsistent. Bashir Mohamed co-hosts. This episode is brought to you by Freshbooks, Borrowell, Sock Club, HelloFresh, ZipRecruiter, and our listeners. Please consider becoming a monthly supporter. 

In this episode, we talk about how we can set our investments up so that we can live off them in retirement (whether it's a traditional retirement or early retirement). We also cover the important subject of how to stress-test our investment portfolio so that we can help ensure that we don't run out of money in our retirement. You can also use these tools to see (approximately) if you actually have enough to retire now (or to see how much more you need). New Tool: Get Your Credit Score Checked for Free A big thanks to Borrowell for sponsoring the show and for building such a great free tool that we can use to check our credit score. It has saved me a lot of time when I want to quickly check the status of my credit score (for example, to ensure there has been no fraud or identity theft in my accounts).  You also obviously want to make sure your score is as high as possible for any mortgages or other loans that you end up applying for (to ensure you get the lowest rate and get approved).  Even if you aren't looking for a loan, I ecourage you to at least pull your report for free to help ensure that there are no unauthorized transactions on your accounts. As a best practice, you should be doing this kind of check at least annually.  Thanks again Borrowell for building a tool where we Canadians can finally get access to this data quickly and for free.  Other Resources from the Episode: Top Tools and Resources for Financial Independence (for Canadians): All the top tools and sites that I've personally used to help us achieve financial independence in our early 30s. They're also what we use now to optimize and manage our finances, and ensure that we're paying the lowest fees while getting solid returns on our investments.  Canada's Top ETFs Guide & Top High-Interest Savings Account: In the guide, I go over what I personally invest in and why I invest in it. The investments that I talk about ​are literally where we have almost our entire net worth (apart from our house), and is what we are primarily living off right now in our early retirement. At the very least you'll learn about some great ETFs to consider for your portfolio, and if you are new to ETFs, it'll give you a nice list of some top ETFs to consider from the thousands that are out there.  The guide is available for free to any listeners that that use this link to sign up for a free savings account with the bank that I personally use, EQ bank.  The reason that I personally use EQ bank, is that they have one of the highest interest savings rates in Canada (they are currently offering 2.3% which is more than double what the major banks are offering). It's also free to sign up and keep an account with them, so you're not paying a monthly fee like you do with many of the other banks out there. You also get unlimited transactions, unlimited Interac e-transfers, and can take out your money at any time if you need it, and there are no minimum balances. Because of those reasons, I've been with them ever since they launched in Canada years ago, and it's where I keep my entire emergency fund and spending money.  To get the free high-interest account and the free guide on the top ETFs in Canada, just go to buildwealthcanada.ca/eq, open the free account, and once you're done, forward any email that you get from EQ to bonus@buildwealthcanada.ca and I'll send you the full comprehensive guide for free.  Roger's Amazing Educational Resources: Roger's Rock Retirement Club (applicable to Canadians) Roger's Main Site: Retirement Answer Man Roger's Podcast: Retirement Answer Man Podcast Free Monte Carlo Simulation Tools: To help ensure that you have enough to retire, we talked a lot about Monte Carlo analysis. Below are three tools that I use where you can run Monte Carlo simulations for free: cfiresim.com firecalc.com portfoliovisualizer.com Questions Covered: Let's say you created a comprehensive financial plan with a client. You give them the green light to retire and they do so. A year later, we run into a 2008 scenario, or a large stock market decline. When you do your annual/semi-annual review with the client, what's the process that you go through to determine if they are still okay, or if they need to make some adjustments? I've noticed that you're a heavy user of Monte Carlo simulations to stress-test whether someone has enough to retire. For somebody that hasn't heard of this before, can you explain what it is? There are free tools out there like Firecalc.com and cfiresim.com that let people run their own Monte Carlo simulations to see if they have enough to retire. Do you have any advice when using tools such as these? For example, are there any common mistakes that you see people do when using them? I noticed that not all financial planners and financial planning software do Monte Carlo stress-tests like do. The most common alternative that I've seen, is that in the financial planning software, the financial planner just enters what rates of return they expect the client to receive for the different years when doing the retirement projections. When using this alternate method, how should listeners of the show ensure that their financial planners are stress-testing their retirement projections to ensure that they still have enough to retire, even if they hit a major recession shortly after retirement? (i.e. They get hit by a bad sequence of returns) After listening to your podcast for years, I got the sense that you are a fan of the bucket strategy. Can you explain what it is, and can you talk about the default bucket strategy that you like to start with, and then how do you adjust it depending on the client? Do you subtract dividends/interest from that “annual expenses” figure when determining how much cash/fixed income to have? Do you have some sort of rule/process when it comes to refilling the buckets. For example: “If X happens in the markets then I'm selling off equities to generate cash to live from. If Y happens then I use a cash cushion or the bond portion and I refill it when markets are up by a certain percent”? How would your bucket strategy differ when dealing with a traditional retiree (ex. Age 65), vs an early retiree (ex. Age 30s or 40s) Do you have a preferred way(s) of helping clients deal with sequence risk? (please define it too for those that are new to this)  When you're working with clients and strategizing on what should be in the fixed income/safe portion of their portfolio, how do you determine how much they should put into bonds vs a high-interest savings account vs GICs (GICs are the US version of CDs)? Are there certain rules or processes that you like to follow to determine this? A lot of the listeners of this show are do-it-yourself investors, and you've built a really great on-line community of do-it-yourself retirees as part of your Rock Retirement Club. Can you tell us more about the Rock Retirement Club, as well as a bit more about your podcast and where we can learn more from you?

Did you know that closing a credit card can actually hurt your credit score? Or that your bank may not be reporting your credit information to both of Canada's credit bureaus? In this episode, I'm joined by Richard Moxley, credit expert and author of the book, The Credit Game. Richard explains why it is so important to monitor your credit on a regular basis, and he also busts a few credit score myths along the way. You can find the show notes for this episode at https://maplemoney.com/richardmoxley Our sponsor, Borrowell, is on a mission is to help Canadians feel great about their credit. To do it, they've taken a product that was once $23/month, and made it completely free. To get a copy of your free credit score, credit report, as well as ongoing monitoring every month, head to https://maplemoney.com/borrowell

One of the challenges when you are growing your business is finding the right balance: do you grow the leadership team first, or focus on the sales force? And how far into the future should you be casting your gaze? We tackle these questions and more as we explore the subject of scaling with Eva Wong, co-founder and COO of Borrowell, and professor Jim Hamilton, an expert in sales management who has plenty of his own experience growing start-up companies. We will also hear the management evidence on what makes great entrepreneurial teams tick. Your host is Meredith Dault. This episode refers to the following research: T. Yu-wen Huang et al, “Which matters more? Group fear versus hope in entrepreneurial escalation of commitment” in Strategic Management Journal (2019 early publication online) L. Jin et al, "Entrepreneurial team composition characteristics and new venture performance: a meta-analysis” in Entrepreneurship Theory and Practice (2017) 743-771 Y. Dai et al, "The direct and indirect impact of gender diversity in new venture teams on innovation performance” in Entrepreneurship Theory and Practice (2019) Vol. 43(3) 505–528 Special Guests: Alan Morantz , Eva Wong , and Jim Hamilton .

On this episode of The Backbone, I chat with Brian about: His journey to Borrowell from CIBC and how he got started in finance within the software industry; What Borrowell is all about; Monetizing a free product; Managing the complexities of operating in the highly regulated FinTech space; and The importance of the finance function at a technology company --- Send in a voice message: https://anchor.fm/backbone/message

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In this content-rich repeat episode of Inspirational Creatives, serial entrepreneur, Jeff Goldenberg, reveals how he raised over $10,000 USD to publish his new book, The Growth Hackers Guide To the Galaxy, using Kickstarter. Co-authored with Mark Hayes (CEO of Tiger Tiger, and founder of one of the world's first growth hacking agencies) his book was written, and is being independently published, via the Kickstarter platform, with colleagues across shifting time-zones. Jeff is a serial entrepreneur based in Toronto and the co-founder of a digital marketing consultancy which specialises in business development and growth hacking. Having successfully launched a number of start-ups, and as the Head of Growth of a Canadian loans company, Borrowell.com, Jeff shares what he knows about the reality of being an entrepreneur and how to get started with growth hacking. You'll learn why you don't have to be a coder to get started. http://www.inspirationalcreatives.com/podcast/171-jeff-goldenberg

In our latest episode, Andy speaks with Jeff Goldenberg, head of growth at Borrowell and author of The Growth Hacker's Guide to the Galaxy. If you want to know some ... See acast.com/privacy for privacy and opt-out information.