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In the security news this week: UK government rolls out passkeys to 20 million users Phishing-resistant authentication and replay resistance Passkey adoption, device security, and user acceptance EU Cyber Resilience Act guidance, scope, and compliance CRA vulnerability disclosure and reporting requirements The real cost of cyberattacks and cybersecurity spending Cyber insurance and improving organizational security Nightmare Eclipse and the release of Windows zero-days Check Point VPN vulnerabilities and perimeter security GitLab security updates and shadow IT Discovering unmanaged GitLab instances Cyberattacks against oil tankers and insider threats VPN patching and implied rules Zero-downtime GitLab updates and version management Running Windows ARM on Apple Silicon with VMware and Parallels Visit https://www.securityweekly.com/psw for all the latest episodes! Show Notes: https://securityweekly.com/psw-944

In the security news this week: UK government rolls out passkeys to 20 million users Phishing-resistant authentication and replay resistance Passkey adoption, device security, and user acceptance EU Cyber Resilience Act guidance, scope, and compliance CRA vulnerability disclosure and reporting requirements The real cost of cyberattacks and cybersecurity spending Cyber insurance and improving organizational security Nightmare Eclipse and the release of Windows zero-days Check Point VPN vulnerabilities and perimeter security GitLab security updates and shadow IT Discovering unmanaged GitLab instances Cyberattacks against oil tankers and insider threats VPN patching and implied rules Zero-downtime GitLab updates and version management Running Windows ARM on Apple Silicon with VMware and Parallels Show Notes: https://securityweekly.com/psw-944

In the security news this week: UK government rolls out passkeys to 20 million users Phishing-resistant authentication and replay resistance Passkey adoption, device security, and user acceptance EU Cyber Resilience Act guidance, scope, and compliance CRA vulnerability disclosure and reporting requirements The real cost of cyberattacks and cybersecurity spending Cyber insurance and improving organizational security Nightmare Eclipse and the release of Windows zero-days Check Point VPN vulnerabilities and perimeter security GitLab security updates and shadow IT Discovering unmanaged GitLab instances Cyberattacks against oil tankers and insider threats VPN patching and implied rules Zero-downtime GitLab updates and version management Running Windows ARM on Apple Silicon with VMware and Parallels Visit https://www.securityweekly.com/psw for all the latest episodes! Show Notes: https://securityweekly.com/psw-944

In the security news this week: UK government rolls out passkeys to 20 million users Phishing-resistant authentication and replay resistance Passkey adoption, device security, and user acceptance EU Cyber Resilience Act guidance, scope, and compliance CRA vulnerability disclosure and reporting requirements The real cost of cyberattacks and cybersecurity spending Cyber insurance and improving organizational security Nightmare Eclipse and the release of Windows zero-days Check Point VPN vulnerabilities and perimeter security GitLab security updates and shadow IT Discovering unmanaged GitLab instances Cyberattacks against oil tankers and insider threats VPN patching and implied rules Zero-downtime GitLab updates and version management Running Windows ARM on Apple Silicon with VMware and Parallels Show Notes: https://securityweekly.com/psw-944

In deze aflevering van Techzine Talks spreken we met Werner Vermeylen, CISO bij Klarrio. We hebben het over datgene waar Klarrio zich al lang mee bezighoudt, namelijk maatwerk dataplatformen. Uiteraard komen ook zaken zoals datasoevereiniteit en security aan bod, ook in gereguleerde omgevingen. Klarrio bouwt al tien jaar cloud-agnostische en open-source dataplatformen voor grote bedrijven in sectoren als halfgeleiders, telecom en energie. Een van de basisprincipes i bij dit alles is dat de klant zelf de volledige controle heeft en houdt.Vermeylen legt uit waarom grote bedrijven ondanks eigen IT-teams toch vastlopen bij het bouwen van dataplatformen. Klarrio heeft zich gedurende tien jaar onder andere gespecialiseerd in het uitvoeren van migraties zonder downtime (van DC/OS naar Kubernetes). Ook de rol van de CISO, NIS2, CRA en de groeiende druk vanuit regelgeving komen uitgebreid aan bod.Het gesprek gaat ook diep in op de impact van AI op datasecurity: exploittijden dalen hard, malware verstopt zich in open-source packages op GitHub. Tot slot gaan we in op de zoektocht naar soevereine defensieve AI-tooling met lokale LLM-modellen.Belangrijkse inzichten:• Klarrio bouwt geen product, maar volledig maatwerk dataplatformen op basis van open source en cloud-agnostisch design• Datasoevereiniteit gaat verder dan cloudkeuze: ook de architectuur, licenties en componenten bepalen echte controle• Zero-day exploittijden dalen hard, terwijl AI aanvallen sterk versnelt• Open source is niet automatisch soeverein: botnetwerken op GitHub plaatsen malware in populaire packages• Niets is 100% veilig: wie dat wel beweert, liegtHoofdstukken:1:11 - Wat doet Klarrio: custom dataplatformen2:09 - Doelgroep: grote bedrijven in gereguleerde sectoren3:48 - Controle over je eigen data: soevereiniteit als kernfilosofie8:13 - Architectuurkeuzes: van DC/OS naar Kubernetes13:32 - Use case: verkeersplatform voor de Nederlandse overheid16:27 - Projectoplevering en kennisoverdracht18:58 - De CISO-rol bij Klarrio: security by design22:58 - AI en de versnelling van zero-day exploits24:31 - Soevereine defensieve AI en lokale LLM-modellen29:03 - Malware in open source: GitHub-botnetwerken ontdekt32:21 - Kwetsbaarheidsbeheer: risico's analyseren en accepteren43:27 - Beslissingen nemen in onzekerheid

中道改革連合の会合に出席した野田佳彦氏、７月３日、国会内中道改革連合の野田佳彦前共同代表は７日、中道と立憲民主、公明両党の合流見送りを受け、自身のブログで「誠に悔しく、残念でならない。 Yoshihiko Noda, former co-head of the opposition Centrist Reform Alliance, on Monday apologized over a botched merger plan among the CRA, the Constitutional Democratic Party of Japan and Komeito.

Yoshihiko Noda, former co-head of the opposition Centrist Reform Alliance, on Monday apologized over a botched merger plan among the CRA, the Constitutional Democratic Party of Japan and Komeito.

Devon shares his 27-year journey in the title industry and his expertise in CRA funding, opportunity zones, and community redevelopment. He emphasizes education, relationship-building, persistence, and helping underserved communities benefit from real estate growth.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Most Canadians think there's a specific number of trades that gets your TFSA flagged by the CRA. There isn't one, and a 2023 Tax Court of Canada ruling shows why that whole framing misses the point.Fareed Ahamed put $15,000 into his TFSA between 2009 a...

by Jim Hetherington https://cpcchurchimages.s3.amazonaws.com/wp-content/uploads/2026/09/03104103/August-30-Sermon.mp3 Luke 9:18-26 Peter Declares That Jesus Is the Messiah 18 Once when Jesus was praying in private and his disciples were with him, he asked them, “Who do the crowds say I am?” 19 They replied, “Some say John the Baptist; others say Elijah; and still others, that one of the prophets of long ago has come back to life.” 20 “But what about you?” he asked. “Who do you say I am?” Peter answered, “God's Messiah.” Jesus Predicts His Death 21 Jesus strictly warned them not to tell this to anyone. 22 And he said, “The Son of Man must suffer many things and be rejected by the elders, the chief priests and the teachers of the law, and he must be killed and on the third day be raised to life.” 23 Then he said to them all: “Whoever wants to be my disciple must deny themselves and take up their cross daily and follow me. 24 For whoever wants to save their life will lose it, but whoever loses their life for me will save it. 25 What good is it for someone to gain the whole world, and yet lose or forfeit their very self? 26 Whoever is ashamed of me and my words, the Son of Man will be ashamed of them when he comes in his glory and in the glory of the Father and of the holy angels.   Ephesians 2:8 8 For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God— Transcript (Transcribed by TurboScribe) Just while we’re getting ready to worship this morning, again, we’re going to be joined by Jim Hetherington, a kale and quinoa salad loving speaker, who is also a Guinness World Record holder. So, we are truly blessed this morning. Jim. Oh my goodness, the things that people say and talk about. So, I do have to highlight the Guinness World Records attempt. That was so much fun. I haven’t had a chance to share with many of you, so I had this great idea about a year and a half ago to attempt a Guinness World Records attempt. So, what it was, was the most authors in the same book gathered in the same room and signed that book at the same time. So, the current record, or the previous record, was 126, and it was set in Toronto about six years ago, and for some reason, I couldn’t be there. I wasn’t able to be a part of it. I always thought it would be a great thing to do, so I started to reach out to Guinness, and there’s a lot you got to go through. There’s a lot of gatekeepers that you got to go in before you finally get an interview and get to talk with someone, and I think in the email threads, I think in the one email thread, I think I have about almost 80, about 78 emails back and forth. That’s how much dialogue went back and forth, and that’s not to mention the adjudicator and the follow-up people and everything, so it was just a lot of work. So, we had 183 people became part of this book. Now, I don’t know if you’ve ever tried to round up 183 people before. It was a challenge in itself, just to get the content from everybody to put into the book, and so on the day of the event, 142 of them actually showed up and were part of it, and so we had the adjudicator come in, we sat around tables, and we put a copy of the book that everybody was in on the table, and then he went around, verified who they were to make sure they were in the book, so we couldn’t just have, you know, Betty come in off the street. She had to be in the book. She had to be part of the book. We had to make the book available to the public, so 30 days before the event, we had to have it on Amazon, available to the public, so that we could sell copies of it. We had to sell a minimum of 100 copies of the book before the event. I mean, there was just a lot of fun stuff that we had to do, so when he went through and verified everybody, he said, okay, sign, and so everybody signed the book and passed it to the next person around the table, so we ended up with all these books, and so he came out a little bit later after he calculated everything, went with the witnesses that verified it all, and came out and said yes, that we had indeed set a new Guinness World Record of 142 authors signing the same book simultaneously, which was a lot of fun. It was just a lot of fun, so that’s something else I get to add to my resume, which is just so much fun, so anyways, that’s not why I’m here. I was looking for the stool of repentance. I know it’s hiding here someplace. I’m going to steal it from, I don’t know who was sitting on it, but they’re not sitting on it any longer, so I thought I’d start with, this isn’t the normal stool, but this will work. This one’s padded. This is even better, so I thought I’d start with the stool of repentance because I got a confession to make. There’s three things that I dislike. Wasting energy, wasting time, and wasting money. Anybody in any of those categories with me? I see some hands. Yes, I see hands going. I bet you it’s the money thing, right? Most people are like, oh, I wish I didn’t spend it on that. I could have got it five cents cheaper if I wouldn’t gone down the street, right? How many here drive, you know, 10 miles to go save two cents on a litre of gas? Anybody want to? Oh, we got a couple. We got a couple to do this. I think that’s hilarious, but you know, just one of those things that I’ve just noticed over time as I’ve matured, that’s code for old, getting older, as I’ve matured that, you know, those three things are really valuable and important to me, and I don’t know if it’s because, you know, we all know we have an expiration date, right? We don’t know what that expiration date is, but we know we got one, and I think as we get more mature and a little wiser with our years, we start to look at those things and we say, wow, I gotta stop wasting time. I gotta stop wasting so much money. I gotta stop wasting so much energy. I mean, how many people here have walked into the kitchen and forgotten what you went in there for, right? Then you have to walk back out again, go back into the room, come back in again, and try it all over again. That’s just a waste of energy, isn’t it? And say, you know, and with time, you know, with time, I audit my time every once in a while. Anybody else audit their time occasionally? Oh, I got no, I got no hands. Good, then you’re going to enjoy this lesson today. So, I audit my time every once in a while. I look down, and I started to teach this with my community because I calculated, you know, we got seven days a week, right? Everybody’s got seven days. We agree on that. We got 24 hours in a day, right? That equals 168. So, we got 168 hours every week. So, every once in a while, I’ll sit down with my timer. Okay, Jimmy, you got 160 hours. What did you do with it? And then I’ll start to backtrack what I’ve done, you know, with sleeping and spending time, and, you know, devotions, and reading, and studying, spending time with Mary, doing all those different things, and I begin to calculate it. Well, the first time I did it a number of years ago, I was missing seven hours. Anybody ever lose seven hours of time? I mean, I hunted all over the place trying to figure out where that seven hours went, and I could not figure out where it went. And I calculated, or recalculated, and went back. I started at the beginning, and came backwards. I started the backwards, and started going forwards, and I could not find it. Finally, I realised that I was watching a little bit of Netflix, right? How many here love Netflix, or, you know, any of those? I mean, there’s some great series on there. There’s some great movies. There’s some great entertainment, and I love getting into, you know, another story. I just love stories. I love getting into other stories, and when they come to life in movies, or in dramas, in sitcoms, whatever it is, I just love getting into those things. Well, I discovered I was watching a few extra than I thought I was, right? I was writing down one. Well, apparently, I was two or three that I was watching, so then I thought, okay, I need to adjust that, so I took that, and I found what that seven hours was, and I adjusted it, and I got going. Earlier this year, I did the same thing. I did another audit, and this isn’t, you know, commissioned by CRA or anything. It was just an audit that I just do on my own, and so I started going through it, and I discovered again. Good old Netflix had snuck back in there, and now, instead of one or two, I was watching two or three, and they go, oh, well, what would happen if I took one of those hours and invested it someplace else? So, I began to do that. I took one hour away from Netflix. Bad Netflix. I took it away from Netflix, and I started to invest it in doing something different with it, and I began to do this daily. I would just invest this hour into something different, and so in two weeks, I’m going to launch another book. I was able to write a book going through just stealing an hour back from Netflix and investing it into researching and reading and rewriting and doing all that fun stuff. I’ve now got my book in. It’s getting formatted and ready to come out in a couple weeks, so then I thought, well, I should share this with others, and so in my community, I’m starting a 100 hour sprint, and it’s taking one hour and focussing it on something that we want to change, a goal or something we want to achieve, something we want to change, and doing it for 100 days, and so I’m saying that because if you ever thought about something that you want to do or something you want to accomplish, a goal that you’re not really achieving, you’re welcome to The only cost is the commitment to the time, committing to that one hour and doing that, so if you want to, come up and see me afterwards. I’ll get you the Zoom link. We’re just going to meet on Zoom and take people through because I divide my years in quarters. Every three months is a quarter of the year, so September is coming up. We’re going to start this thing, and then October, November, December, that’s the last quarter, and that’s when businesses want to turn everything around and finish strong, and people look at their goals that they set on January 1st. How many set goals and intentions in January? No confessors on that one. I’m sure there are some that I see a couple hands waving around there. Yes, okay, and how are those goals working out for you? Oh, you’re on track. Good for you. That’s amazing. Good for you because many people, you know, by February or, you know, by the beginning of February, they’ve lost and they’ve forgotten about them, but we want to encourage people to finish strong in that last quarter because there’s so much that can be accomplished, and I was thinking of some of the mentors that I’ve had, one in particular. His name is Brian Tracy, and he said that to do a presentation, you need to spend 40 hours, four zero hours, in doing a presentation. That’s a lot of commitment, right? I mean, we could all commit right now to becoming vegetarians, and that might last until lunchtime, right, when that juicy hamburger is calling us, right? We can all start things. We can have good intentions to start things, but the follow-through, to finish it off strong, is a tough thing to do, and I don’t think we’re meant to do these things on our own. We’re meant to have community, have people around us to support and encourage us with that because it’s easy to have good intentions, right? You can think back of your own life and your own journey. I’m sure you can think of many times that you’ve started things and, you know, said, I’m going on that diet. Yep, supper time’s coming. That’s the end of the diet, right? You know, I’m going to go healthy. I’m going to start exercising weekly. It got as far as putting on your running shoes, and that was it. Like, that’s as far as you got with it, but to finish strong, I think, is an important thing to do. So, if you want to join us, you can join us because it’s one of those things that I really believe is that having the accountability, having people in our lives to encourage and support us, is an important thing to do. So, that’s my confession. You know, those are the three things that I don’t like wasting, is time, energy, and finances. This morning, we’re going to shift a little bit. We’re going to tie it all together. It’ll tie all together as we go, but I wanted to shift and talk about faith because, again, it’s something that is free, right? None of us paid for the faith that we have. None of us paid for the relationship we have with God. None of us have paid for the hours we get every day. None of us have paid any of those things. All that stuff is free, but what we do with it is valuable and important, and I think we need to look at that with our faith journey, with our walk in our relationship, and just say, how are we spending that time? How are we spending the energy in that? In Ephesians 2, it says this, for it is by grace you have been saved through faith, and this not from yourselves, it is a gift from God. We recognise that it’s a gift that God gives us, right? Each day is a new day, and it’s a gift that God gives us, right? None of us at 11.58 at the evening before are running around going, oh, I gotta pay for the next 24 hours, right? I better get my, what’s the word I’m looking for? Credit for the day, right? I better get it in now so that I got my 24 hours. None of us have to do that, right? We go to bed at nighttime. We just believe that when our eyes open up, we’ve got another 24 hours. We got another day to use, and we recognise that it is a gift that comes from God. I want to read our main text from Luke chapter 9, verses 18 to 26. Prior to this, just leading up to this, Jesus has been doing a lot of miracles and healing the sick and setting people free from demons and from unhealthy, unclean spirits. He’s been sending out his disciples and doing it, and he met with them, and he was having this conversation with them. Once when Jesus was praying in private and his disciples were with him, he asked them, who do the crowds say I am? They replied, some say John the Baptist, others say Elijah, and still others that one of the prophets of long ago have come back to life. But what about you, he asked. Who do you say I am? And just Jesus strictly warned them not to tell this to anyone. And he said, the son of man must suffer many things and be rejected by the elders and the chief priests and the teachers of the law, and he must be killed and on the third day be raised to life. Then he said to them, whoever wants to be my disciple must deny themselves and take up their cross daily and follow me. For whoever wants to save their life will lose it, but whoever loses their life for me will save it. What good is it for someone to gain the whole world and yet lose or forfeit their very self? Whoever is ashamed of me and my words, the son of man will be ashamed of them when he comes in his glory and in the glory of the father and of the holy angels. It’s interesting, you know, that oftentimes we read in Scripture how Jesus went alone on his own to pray, but this time he was praying, but he had the disciples with him. He was hanging out with them in private, and it’s in those private meetings that things really gathered. As Stacey asked me earlier in the morning, if you got locked in an elevator, who would you want to get locked up with, right? Because it’s in those quiet moments, in those moments where we’re locked in a room or having a lunch with somebody or having a private meeting or an encounter, that we really get to know that person, and we get some real wisdom, we get some real understanding, we get a real depth of things when we get alone with them. And this is what it was like with the disciples. They’re hanging out with Jesus, and in those quiet moments he was leaning in and pouring out even more to them. And so he was challenging them and saying, you know what, who do you say I am? Or who did the crowd say I am? You know, and so he was getting the consensus of what was being spoken, you know, what are the reports coming in on CNN? What are the reports coming in on CTV news? What are the reports that, what are other people saying? But then he made it more personal, right? Don’t just look at their opinions, don’t just look at what other people are saying. What do you say? Because that’s where the rubber hits the road, as they say, right? That’s where true faith comes in, is what do you say? We can come to church and we can believe what the church doctrine is, we can believe what the church teaches and preaches, what the mandates are, and all that stuff, but what does it really mean to you? And that’s what Jesus was pushing in and pressing in on them, was what do you, who do you say that I am? And then he warned them strictly not to share it with anybody. It was almost like they leaned in and he pulled back the veil and said, guys, it really is true. It is me. I’m the one that was, you know, that your forefathers talked about. I’m the one that the prophets talked about. It really is me, but don’t tell anybody, right? You can go out in authority in my name, which he did. He commissioned them and he gave them authority to heal the sick and to set people free. It’s interesting that anywhere he went, whenever he went, sent the disciples up or any healing that he did, it was always mentioned that it was the healing of the sick and unclean spirits. Interesting how there was that combination, no matter where he went, no matter what was happening, there were these two things. It was the influence of unclean spirits in people’s lives and setting people free of sickness and illness. And it was fascinating how he did this and how he set them on the track to give him authority to speak in his name. Then he goes on to talk about whoever wants to be my disciple must deny themselves and take up the cross. It’s so easy today, isn’t it, with all the doom scrolling. Anybody, you understand the doom scrolling, right? It’s taking that phone or getting on the computer and just endlessly searching and looking things up and scrolling through things to get our time, right? To take our time, to keep us activated. You realise that people are paid hundreds of thousands of dollars a year to figure out ways to keep you engaged online, right? That’s their sole job, is just to create stuff and algorithms and stuff in a way just to keep you engaged, right? Have you ever talked about something, you know, in the presence of a computer or a television or a smartphone, and then all of a sudden that thing comes up on the smartphone, another thing. You know, there was a joke one time, a couple were talking and they were discussing how people saying that, you know, AI is always listening. Computers are listening to all our conversations. We can’t say anything in private because there’s ears everywhere. And they looked at each other and they started to laugh and they said, that’s impossible. And then Siri started to laugh, right? And then every, you know, all these other algorithms started laughing at them with them. But it’s true that, you know, those things are always listening, but they’re designed to keep us engaged. Why? To suck up our time, to keep us engaged in stuff that isn’t actively moving the kingdom of God forward. And that’s what we need to look at as Christians, is how are we using our time? Is there a better way to use our time? Are there more, you know, are there different relationships or better relationships that we can invest in that would actually encourage and support another person? Are there things that we can do actively with our time and our energy? Thinking about the hour, now an hour is a long time to commit to praying, isn’t it? But what about 10 minutes? Imagine what 10 minutes a day praying for 100 days would do. Imagine the effectiveness of committing to something like that on a regular basis. Imagine what God’s Spirit would begin to release to us or reveal to us as we begin to engage in that kind of activity. And that’s something that each one of us could do. Who here could not find 10 minutes to do something different with, right? We could all take 10 minutes from something and engage it in a different way. For whoever wants to save their life will lose it, but whoever loses their life for me will save it. What good is it for someone to gain the whole world and yet lose or forfeit their own their selves? It’s interesting how Jesus challenges them at a deeper level. They thought they were just signing up because he was a great teacher, right? Because he was the current one, right? But he chose them for a reason, just the same as he speaks and challenges and calls each one of us to go deeper in a relationship with him. Our faith is free, but it isn’t cheap. And cheap has a terrible, you know, tone to it, right? But what I mean by that is that it did cost, didn’t cost us anything, but it will cost us if we really want to commit and walk in it. And I really believe that there’s a time where the church is going to begin to have to stand up for what they really believe. That it’s similar to what Jesus said to the disciples leaning forward. He said, that’s great. You’re hearing what everybody else is saying. You’re hearing the reports of what other people are saying, but what do you say? So let me ask you in your personal life, you hear what other people say in conversations, you hear different reports, you may read little blogs or emails, you may hear different things on YouTube and on Netflix, but what do you really say? Who do you say that God is? And what does God really mean to you? What does your relationship with him really mean? Is it something worth investing in, or is it something that we just pretend to do? You know, it’s one thing to show up on a Sunday morning, it’s another thing to live it out Monday to Saturday. That’s where it really becomes a challenge, doesn’t it? When we get into the grind of work or get into conflicting arguments or conversations with people, when we have struggles in families or with friends and neighbours, that’s when it can really become challenging. Faith will cost us. It will cost us time. If we’re really serious about our faith, we need to commit regular time to studying, to reading, to praying, to encouraging others. It may mean standing up for something or standing up and being accounted for. You know, it was interesting when you read that last part of that text that we read here, whoever is ashamed of me and my words, the Son of Man will be ashamed of them when he comes in his glory and in the glory of the Father and of those holy angels. How he’s calling us and challenging us. Are we willing to confess? Are we really willing to say and stand up for what we believe in? As we move forward, we can look at it, and there’s five things that I want to encourage us that we need to look at. One, we talked about earlier, is the time, right? Our faith grows as we spend more time with God. It’s going to take an investment of time. You invest a Sunday morning to come and gather corporately, to worship, to sing, to encourage each other, to listen to someone teach. What about the rest of the week? What are we doing with that time? Is there more time that we could allocate into spending time with God and praying and so on? The energy. Serving God takes energy and commitment. I mean, many of you come here, the worship leaders and those leading in the band, they come early to get set up. Our sound guys and our audio guys, everybody comes in early. Our greeters are here to prepare. Our Sunday school department is ready to go, right? There’s a commitment of energy to come in and get things prepared. So, it takes energy for us to really commit. And then, the commitment. Deciding to commit to something, deciding that we’re going to step out and do something, right? Rather than saying, okay, I’m going to go on that diet. It’s committing to doing what needs to happen. It’s committing to creating an environment that’s going to set you up for success, right? We know that we can’t have a good healthy diet if our kitchen pantries are full of chocolate chip cookies and potato chips and all those other wonderful food groups. So, we know that we need to set up our environment to really be committed to something. Faith calls us to be obedient. There’s some things that we may need to turn away from. There may be relationships or friendships that we need to step away from because some of those may be influencing us in a negative way. So, to be obedient to what God is calling us to is part of that faith journey. And just listening to what the Holy Spirit is saying, listening to those promptings. Oh, maybe Jim, you shouldn’t watch that third episode of Netflix today, right? It’s listening to those small things and say, okay, what can I do with that? But that takes energy to step away from it and to step into something different, isn’t it? It’s easy for us to get into the routine of just scrolling on our phones, just sitting back, flipping out another Netflix series, going to the kitchen, eating whatever we want. It doesn’t take any energy or commitment to do those things. But to live lives that Jesus is calling his disciples to, for example, took energy and commitment and obedience to listen to what God is calling them to, to step out in the truth. Because imagine that, you know, in those times when Jesus is ministering to his disciples, they didn’t have books that they go to the library. I mean, we’ve got amazing books out back there that, you know, we could read and learn about, right? They were living the stuff. They had to decide whether they were going to follow Jesus. They had to decide whether they’re going to be obedient to him. They had to decide whether it’s really worth picking up the cross, right? The cross had a whole different meaning for them. Cross meant pain, suffering, and death to them. Cross wasn’t something nice that we put in a church. Cross wasn’t something nice that you just hang around your neck and wear on a chain. The cross to them made something completely different. So when Jesus was saying, pick up your cross, he was just like, pick up that which may cause suffering and pain and death and separation, but pick it up and follow me. And it’s interesting how he challenged them and encouraged them to pick it up before he went to the cross. He said, this is where this journey is going to land, is where it’s going to cost us to pick up the cross. We have great freedom in this country, don’t we? Freedom to come to church. There’s no obstacles. There’s no militia, you know, trying to force us from not going or attending. There’s no government agencies or anything trying to force us underground. We have complete freedom. But sometimes in that freedom, we lose sight of what it really means. And I think it’s important that we go back to looking at these scriptures and what it really cost those disciples at the very beginning. What it cost them to step out in obedience. What it cost them to leave their livelihood and to follow Jesus was a completely different thing. And they had to decide in that moment if this guy is a lunatic or is he the real deal. And as they got to know him, as they got to spend time with him, he began to reveal more and more to them. And they began to discern that he really was the real deal. And you and I need to come to that same place of saying, who is he really to us? Is he a lunatic? Do I believe the stories in the Bible? Do I really believe the healings? Do I believe the stuff that I’ve read? Or is it just nice stuff that somebody put together? And it’s something that each of us have to individually decide. We can’t decide as a church. We can’t decide as a congregation. We have to decide individually. Because God meets us all where we’re at. And depending on the level of time and energy and commitment and obedience is the level to which God can use us in advancing his kingdom. The disciples were willing to put everything aside to follow him. The challenge is for us to look at it and say, am I willing to really follow it? I wanted to end with this question. What’s keeping us, what’s keeping you, what’s keeping me from following him at a deeper level? Is there something in our lives that’s keeping us from believing more, going to that next level, as they say? Is there something keeping me? For many of us, we attend church. (This file is longer than 30 minutes.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you contributing the right amount to your RRSP—or could trying to maximize it actually be costing you more in tax?RRSP decisions can get especially complicated when you own a corporation and have control over how much salary you pay yourself. Taking more income just to create additional RRSP room may sound smart, but it can also trigger higher personal taxes and create trade-offs that are easy to miss. This episode breaks down why the best strategy often isn't “max it out” or “avoid it altogether,” but finding the right balance for your income, lifestyle, corporation, and retirement plan.You'll learn:Why creating extra RRSP room by increasing your salary may not always produce the tax savings you expect.How to think about investing inside your corporation versus moving money into an RRSP for retirement.How your spending needs, tax brackets, passive corporate income, and available contribution room can help determine the right middle-ground strategy.Press play now to learn how to make more intentional RRSP decisions without sacrificing tax efficiency along the way.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian business owners, building a strong Canadian wealth plan requires more than simply maxing out an RRSP or increasing salary to create additional contribution room. Effective retirement planning and tax planning involve understanding how RRSP optimization, CPP, passive income, salary vs dividends Canada, and personal vs corporate tax planning work together within a broader tax strategy. A thoughtful approach to corporate wealth planning can help entrepreneurs balance corporation investment strategies, tax-efficient investing, business owner tax savings, and optimizing RRSP room while building the right financial buckets for today, retirement, and future goals. For those pursuing financial freedom Canada, financial independence Canada, or an early retirement strategy, factors such as a modest lifestyle wealth approach, investment bucket strategy, passive income planning, capital gains strategy, and corporate structure optimization can all influence how wealth is accumulated and eventually withdrawn. As part of a broader Canadian entrepreneur finance strategy, business owners may also consider financial diversification Canada, real estate investing Canada, real estate vs renting, estate planning Canada, legacy planning Canada, and other retirement planning tools when setting their financial vision. Ultimately, the episode highlights that wealth building strategies Canada, Canadian tax strategies, financial systems for entrepreneurs, and building long-term wealth Canada rarely come down to an all-or-nothing decision—the goal is to find the right balance between personal income, corporate investing, registered accounts, lifestyle needs, and long-term financial objectives.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

In the latest episode of our “Securitisation Insights” podcast, Mudasar Chaudhry, who leads our European Structured Finance Research team, is joined by Marcos Alvarez, Managing Director, Global Financial Institution Ratings, and Christian Aufsatz, Managing Director, European Structured Finance Ratings, to discuss the potential impact of wildfires on European securitisations, with a particular focus on insurance, residential mortgage-backed securities (RMBS), and the growing importance of physical climate risk. The effects of wildfires can extend beyond the environmental and into structured finance through property damage, insurance claims, disruption to local economies, and pressure on household finances and borrower performance. The topic has become increasingly relevant as Europe experiences more frequent periods of extreme heat and drought. After one of the most severe wildfire years on record in 2025, 2026 has seen several heat waves and significant wildfire activity across the continent. In August, major fires in France and Spain made headlines because of their proximity to large urban areas, including Bordeaux and Madrid. Related Content: “Beyond the Burned Area: What the 2026 Wildfires Mean for French and Spanish RMBS”, https://dbrs.morningstar.com/research/486319 “Fire at Europe's Urban Edge: Wildfires in Spain and France Test Insurers' Secondary Peril Defences” https://dbrs.morningstar.com/research/486187 "The Summer of 2026: Heatwaves, Wildfires, and Droughts--Weather Extremes Are Stacking Up” https://dbrs.morningstar.com/research/487811 By downloading or listening to this podcast, you are agreeing to the Morningstar DBRS disclaimer and legal terms and conditions found at dbrs.morningstar.com/about/disclaimer and dbrs.morningstar.com/about/termsandconditions, including that the information provided is not investment, financial or other advice. Morningstar DBRS will not be liable for losses arising from your use of the information. Please note that the content of this podcast is intended for European audiences only.

Interview with Dan Meacham, CISO at Legendary Entertainment Dan Meacham joined us to share a preview of his leadership panel at InfoSec World. At this CRA event in October, Dan will be discussing The Augmented Defender - What AI Actually Changes on the Front Line with Daniel Bowden, the Global CISO at Marsh. Dan dives into the unique world of securing data and assets when film production is largely handled by partners and contractors, working from systems you'll likely have limited access to and definitely can't install agents on. It's a fascinating conversation you should check out! Visit https://securityweekly.com/infosecworld2026 and save 30% on your ISW pass with code: ISW26-SWSAVINGS Black Hat Interview 1 - Google Cloud Outpacing the Adversary with AI Threat Defense - Black Hat interview with John Hultquist, Chief Analyst, Google Threat Intelligence Group at Google The cybersecurity landscape is undergoing a radical shift. AI is no longer just a productivity accelerator for developers and analysts—it has become actively weaponized by sophisticated threat actors to discover and exploit vulnerabilities at unprecedented speed. We'll discuss Google's own approach to combating today's threats and the need for security teams to transform vulnerability management with machine-speed defense. Segment Resources: https://cloud.google.com/blog/products/identity-security/introducing-google-ai-threat-defense https://services.google.com/fh/files/misc/ebookgooglecloudsecurityaithreatdefense.pdf https://services.google.com/fh/files/misc/whitepapercombatingaidriventhreatsgooglemachinespeed_defense.pdf This segment is sponsored by Google Cloud. Visit https://securityweekly.com/googlebh to learn more! Black Hat Interview 2 - Forcepoint Decoding Agentic: Securing the Data Layer AI Just Set on Fire - Black Hat interview with Ronan Murphy, Chief Data Strategy Officer of Forcepoint AI didn't ask permission — and it permanently changed what data risk looks like. Forcepoint Chief Data Strategy officer and member of the Artificial Intelligence Advisory Council in Ireland, shares insights on a clear call to action for agentic enterprises: stop locking AI down and start securing it where the risk actually lives, in the data itself. Learn why data trust is the foundation of the agentic era and how the world's leading enterprises are ending the false choice between AI innovation and data safety. Segment Resources: https://www.forcepoint.com/resources/ebooks/enterprise-guide-ai-data-security https://www.forcepoint.com/blog/insights/forcepoint-announces-ai-data-security This segment is sponsored by Forcepoint. Visit https://securityweekly.com/forcepointbh to learn more! Black Hat Interview 3 - Keyfactor From Secrets to Verified Workload Identity—at Enterprise Scale - Black Hat interview with Ellen Boehm, SVP, Strategy & AI Innovation at Keyfactor As AI agents become autonomous participants inside enterprise environments, organizations can no longer rely on static credentials and traditional identity models to establish trust. Enterprise AI is driving a shift from possession-based access to cryptographically verified identity, as AI agents, cloud-native workloads, and automated services increasingly make decisions and interact with critical systems. In this discussion, we'll discuss why organizations need to continuously establish trust, govern machine identities and cryptography, and build a resilient foundation for securing AI across increasingly dynamic environments. Segment Resources: https://www.keyfactor.com/blog/ai-agents-the-identity-problem-nobody-owns-yet/ https://www.keyfactor.com/education-center/what-is-trust-infrastructure/ https://www.keyfactor.com/resources/topic/col/products/the-trust-control-plane?pflpid=60788&pfsid=HsCXvwPWB1 This segment is sponsored by Keyfactor. Visit https://securityweekly.com/keyfactorbh to learn more! Black Hat Interview 4 - Delinea Delinea Delivers Runtime Authorization for AI Agents, Closing Access Control Gap - Black Hat interview with Frank Vukovits, Chief Security Scientist at Delinea As AI agents move from experiments to autonomous operators inside production databases, cloud consoles, and Kubernetes clusters, enterprises face a new problem: agents with legitimate credentials taking actions no one authorized. Frank breaks down why verifying access at connection time is no longer enough and what it takes to enforce policy on every agent action before it executes. He explains how runtime authorization closes the gap between hiding credentials and actually controlling what agents do once they're inside a session. This segment is sponsored by Delinea. Visit https://securityweekly.com/delineabh to learn more! Visit https://www.securityweekly.com/esw for all the latest episodes! Show Notes: https://securityweekly.com/esw-474

Interview with Dan Meacham, CISO at Legendary Entertainment Dan Meacham joined us to share a preview of his leadership panel at InfoSec World. At this CRA event in October, Dan will be discussing The Augmented Defender - What AI Actually Changes on the Front Line with Daniel Bowden, the Global CISO at Marsh. Dan dives into the unique world of securing data and assets when film production is largely handled by partners and contractors, working from systems you'll likely have limited access to and definitely can't install agents on. It's a fascinating conversation you should check out! Visit https://securityweekly.com/infosecworld2026 and save 30% on your ISW pass with code: ISW26-SWSAVINGS Black Hat Interview 1 - Google Cloud Outpacing the Adversary with AI Threat Defense - Black Hat interview with John Hultquist, Chief Analyst, Google Threat Intelligence Group at Google The cybersecurity landscape is undergoing a radical shift. AI is no longer just a productivity accelerator for developers and analysts—it has become actively weaponized by sophisticated threat actors to discover and exploit vulnerabilities at unprecedented speed. We'll discuss Google's own approach to combating today's threats and the need for security teams to transform vulnerability management with machine-speed defense. Segment Resources: https://cloud.google.com/blog/products/identity-security/introducing-google-ai-threat-defense https://services.google.com/fh/files/misc/ebookgooglecloudsecurityaithreatdefense.pdf https://services.google.com/fh/files/misc/whitepapercombatingaidriventhreatsgooglemachinespeed_defense.pdf This segment is sponsored by Google Cloud. Visit https://securityweekly.com/googlebh to learn more! Black Hat Interview 2 - Forcepoint Decoding Agentic: Securing the Data Layer AI Just Set on Fire - Black Hat interview with Ronan Murphy, Chief Data Strategy Officer of Forcepoint AI didn't ask permission — and it permanently changed what data risk looks like. Forcepoint Chief Data Strategy officer and member of the Artificial Intelligence Advisory Council in Ireland, shares insights on a clear call to action for agentic enterprises: stop locking AI down and start securing it where the risk actually lives, in the data itself. Learn why data trust is the foundation of the agentic era and how the world's leading enterprises are ending the false choice between AI innovation and data safety. Segment Resources: https://www.forcepoint.com/resources/ebooks/enterprise-guide-ai-data-security https://www.forcepoint.com/blog/insights/forcepoint-announces-ai-data-security This segment is sponsored by Forcepoint. Visit https://securityweekly.com/forcepointbh to learn more! Black Hat Interview 3 - Keyfactor From Secrets to Verified Workload Identity—at Enterprise Scale - Black Hat interview with Ellen Boehm, SVP, Strategy & AI Innovation at Keyfactor As AI agents become autonomous participants inside enterprise environments, organizations can no longer rely on static credentials and traditional identity models to establish trust. Enterprise AI is driving a shift from possession-based access to cryptographically verified identity, as AI agents, cloud-native workloads, and automated services increasingly make decisions and interact with critical systems. In this discussion, we'll discuss why organizations need to continuously establish trust, govern machine identities and cryptography, and build a resilient foundation for securing AI across increasingly dynamic environments. Segment Resources: https://www.keyfactor.com/blog/ai-agents-the-identity-problem-nobody-owns-yet/ https://www.keyfactor.com/education-center/what-is-trust-infrastructure/ https://www.keyfactor.com/resources/topic/col/products/the-trust-control-plane?pflpid=60788&pfsid=HsCXvwPWB1 This segment is sponsored by Keyfactor. Visit https://securityweekly.com/keyfactorbh to learn more! Black Hat Interview 4 - Delinea Delinea Delivers Runtime Authorization for AI Agents, Closing Access Control Gap - Black Hat interview with Frank Vukovits, Chief Security Scientist at Delinea As AI agents move from experiments to autonomous operators inside production databases, cloud consoles, and Kubernetes clusters, enterprises face a new problem: agents with legitimate credentials taking actions no one authorized. Frank breaks down why verifying access at connection time is no longer enough and what it takes to enforce policy on every agent action before it executes. He explains how runtime authorization closes the gap between hiding credentials and actually controlling what agents do once they're inside a session. This segment is sponsored by Delinea. Visit https://securityweekly.com/delineabh to learn more! Visit https://www.securityweekly.com/esw for all the latest episodes! Show Notes: https://securityweekly.com/esw-474

Interview with Dan Meacham, CISO at Legendary Entertainment Dan Meacham joined us to share a preview of his leadership panel at InfoSec World. At this CRA event in October, Dan will be discussing The Augmented Defender - What AI Actually Changes on the Front Line with Daniel Bowden, the Global CISO at Marsh. Dan dives into the unique world of securing data and assets when film production is largely handled by partners and contractors, working from systems you'll likely have limited access to and definitely can't install agents on. It's a fascinating conversation you should check out! Visit https://securityweekly.com/infosecworld2026 and save 30% on your ISW pass with code: ISW26-SWSAVINGS Black Hat Interview 1 - Google Cloud Outpacing the Adversary with AI Threat Defense - Black Hat interview with John Hultquist, Chief Analyst, Google Threat Intelligence Group at Google The cybersecurity landscape is undergoing a radical shift. AI is no longer just a productivity accelerator for developers and analysts—it has become actively weaponized by sophisticated threat actors to discover and exploit vulnerabilities at unprecedented speed. We'll discuss Google's own approach to combating today's threats and the need for security teams to transform vulnerability management with machine-speed defense. Segment Resources: https://cloud.google.com/blog/products/identity-security/introducing-google-ai-threat-defense https://services.google.com/fh/files/misc/ebookgooglecloudsecurityaithreatdefense.pdf https://services.google.com/fh/files/misc/whitepapercombatingaidriventhreatsgooglemachinespeed_defense.pdf This segment is sponsored by Google Cloud. Visit https://securityweekly.com/googlebh to learn more! Black Hat Interview 2 - Forcepoint Decoding Agentic: Securing the Data Layer AI Just Set on Fire - Black Hat interview with Ronan Murphy, Chief Data Strategy Officer of Forcepoint AI didn't ask permission — and it permanently changed what data risk looks like. Forcepoint Chief Data Strategy officer and member of the Artificial Intelligence Advisory Council in Ireland, shares insights on a clear call to action for agentic enterprises: stop locking AI down and start securing it where the risk actually lives, in the data itself. Learn why data trust is the foundation of the agentic era and how the world's leading enterprises are ending the false choice between AI innovation and data safety. Segment Resources: https://www.forcepoint.com/resources/ebooks/enterprise-guide-ai-data-security https://www.forcepoint.com/blog/insights/forcepoint-announces-ai-data-security This segment is sponsored by Forcepoint. Visit https://securityweekly.com/forcepointbh to learn more! Black Hat Interview 3 - Keyfactor From Secrets to Verified Workload Identity—at Enterprise Scale - Black Hat interview with Ellen Boehm, SVP, Strategy & AI Innovation at Keyfactor As AI agents become autonomous participants inside enterprise environments, organizations can no longer rely on static credentials and traditional identity models to establish trust. Enterprise AI is driving a shift from possession-based access to cryptographically verified identity, as AI agents, cloud-native workloads, and automated services increasingly make decisions and interact with critical systems. In this discussion, we'll discuss why organizations need to continuously establish trust, govern machine identities and cryptography, and build a resilient foundation for securing AI across increasingly dynamic environments. Segment Resources: https://www.keyfactor.com/blog/ai-agents-the-identity-problem-nobody-owns-yet/ https://www.keyfactor.com/education-center/what-is-trust-infrastructure/ https://www.keyfactor.com/resources/topic/col/products/the-trust-control-plane?pflpid=60788&pfsid=HsCXvwPWB1 This segment is sponsored by Keyfactor. Visit https://securityweekly.com/keyfactorbh to learn more! Black Hat Interview 4 - Delinea Delinea Delivers Runtime Authorization for AI Agents, Closing Access Control Gap - Black Hat interview with Frank Vukovits, Chief Security Scientist at Delinea As AI agents move from experiments to autonomous operators inside production databases, cloud consoles, and Kubernetes clusters, enterprises face a new problem: agents with legitimate credentials taking actions no one authorized. Frank breaks down why verifying access at connection time is no longer enough and what it takes to enforce policy on every agent action before it executes. He explains how runtime authorization closes the gap between hiding credentials and actually controlling what agents do once they're inside a session. This segment is sponsored by Delinea. Visit https://securityweekly.com/delineabh to learn more! Show Notes: https://securityweekly.com/esw-474

Interview with Dan Meacham, CISO at Legendary Entertainment Dan Meacham joined us to share a preview of his leadership panel at InfoSec World. At this CRA event in October, Dan will be discussing The Augmented Defender - What AI Actually Changes on the Front Line with Daniel Bowden, the Global CISO at Marsh. Dan dives into the unique world of securing data and assets when film production is largely handled by partners and contractors, working from systems you'll likely have limited access to and definitely can't install agents on. It's a fascinating conversation you should check out! Visit https://securityweekly.com/infosecworld2026 and save 30% on your ISW pass with code: ISW26-SWSAVINGS Black Hat Interview 1 - Google Cloud Outpacing the Adversary with AI Threat Defense - Black Hat interview with John Hultquist, Chief Analyst, Google Threat Intelligence Group at Google The cybersecurity landscape is undergoing a radical shift. AI is no longer just a productivity accelerator for developers and analysts—it has become actively weaponized by sophisticated threat actors to discover and exploit vulnerabilities at unprecedented speed. We'll discuss Google's own approach to combating today's threats and the need for security teams to transform vulnerability management with machine-speed defense. Segment Resources: https://cloud.google.com/blog/products/identity-security/introducing-google-ai-threat-defense https://services.google.com/fh/files/misc/ebookgooglecloudsecurityaithreatdefense.pdf https://services.google.com/fh/files/misc/whitepapercombatingaidriventhreatsgooglemachinespeed_defense.pdf This segment is sponsored by Google Cloud. Visit https://securityweekly.com/googlebh to learn more! Black Hat Interview 2 - Forcepoint Decoding Agentic: Securing the Data Layer AI Just Set on Fire - Black Hat interview with Ronan Murphy, Chief Data Strategy Officer of Forcepoint AI didn't ask permission — and it permanently changed what data risk looks like. Forcepoint Chief Data Strategy officer and member of the Artificial Intelligence Advisory Council in Ireland, shares insights on a clear call to action for agentic enterprises: stop locking AI down and start securing it where the risk actually lives, in the data itself. Learn why data trust is the foundation of the agentic era and how the world's leading enterprises are ending the false choice between AI innovation and data safety. Segment Resources: https://www.forcepoint.com/resources/ebooks/enterprise-guide-ai-data-security https://www.forcepoint.com/blog/insights/forcepoint-announces-ai-data-security This segment is sponsored by Forcepoint. Visit https://securityweekly.com/forcepointbh to learn more! Black Hat Interview 3 - Keyfactor From Secrets to Verified Workload Identity—at Enterprise Scale - Black Hat interview with Ellen Boehm, SVP, Strategy & AI Innovation at Keyfactor As AI agents become autonomous participants inside enterprise environments, organizations can no longer rely on static credentials and traditional identity models to establish trust. Enterprise AI is driving a shift from possession-based access to cryptographically verified identity, as AI agents, cloud-native workloads, and automated services increasingly make decisions and interact with critical systems. In this discussion, we'll discuss why organizations need to continuously establish trust, govern machine identities and cryptography, and build a resilient foundation for securing AI across increasingly dynamic environments. Segment Resources: https://www.keyfactor.com/blog/ai-agents-the-identity-problem-nobody-owns-yet/ https://www.keyfactor.com/education-center/what-is-trust-infrastructure/ https://www.keyfactor.com/resources/topic/col/products/the-trust-control-plane?pflpid=60788&pfsid=HsCXvwPWB1 This segment is sponsored by Keyfactor. Visit https://securityweekly.com/keyfactorbh to learn more! Black Hat Interview 4 - Delinea Delinea Delivers Runtime Authorization for AI Agents, Closing Access Control Gap - Black Hat interview with Frank Vukovits, Chief Security Scientist at Delinea As AI agents move from experiments to autonomous operators inside production databases, cloud consoles, and Kubernetes clusters, enterprises face a new problem: agents with legitimate credentials taking actions no one authorized. Frank breaks down why verifying access at connection time is no longer enough and what it takes to enforce policy on every agent action before it executes. He explains how runtime authorization closes the gap between hiding credentials and actually controlling what agents do once they're inside a session. This segment is sponsored by Delinea. Visit https://securityweekly.com/delineabh to learn more! Show Notes: https://securityweekly.com/esw-474

VLOG Aug 28 Epstein victims deal with BofA OKed https://matthewrussellleeicp.substack.com/p/epstein-deal-objectors-dismissed DOJ tries to cut bail on Venezuela inside trader by 90% https://matthewrussellleeicp.substack.com/p/soft-on-white-collar-crime-as-sdnyAbercombie #MeToo trial hearing https://matthewrussellleeicp.substack.com/p/edny-insiders-abercrombie-metoo-hearing FOIAs FDIC on CRA, OCC zerohash. UNanswered, UN access

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereYou've built real wealth—but how do you know your corporate cash, investments, taxes, and financial structures are actually working together as efficiently as they could?For incorporated business owners and high-income Canadians, building wealth is only part of the challenge. Retained earnings can sit idle, passive income can create major tax drag, and disconnected advice from accountants, lawyers, and investment professionals can leave costly gaps that no one is responsible for spotting. This episode explores why having substantial assets doesn't necessarily mean your wealth is optimized—and why liquidity, tax efficiency, and coordination matter just as much as the numbers on your statements.You'll discover:How to spot hidden inefficiencies across your financial picture by looking at corporate assets, personal wealth, liabilities, cash flow, and protection together—not in isolation.Why access to capital matters as much as net worth, especially when withdrawing or deploying corporate funds could trigger significant taxes.How coordinated planning can uncover high-leverage opportunities involving compensation, retained earnings, investment structures, tax efficiency, and estate planning that individual advisors may overlook.Press play now to learn how to evaluate whether your wealth is truly optimized—and where the biggest opportunities may be hiding in your financial plan.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian business owners, true wealth optimization goes far beyond choosing a few investment strategies—it requires a coordinated Canadian wealth plan that connects personal and corporate assets, cash flow, retained earnings, taxes, insurance, and long-term goals. A holistic wealth review can uncover opportunities for greater tax efficiency, smarter asset restructuring, stronger corporate wealth planning, and more effective personal vs. corporate tax planning, including decisions around salary vs. dividends in Canada, RRSP optimization, optimizing RRSP room, passive income planning, and corporate structure optimization. By creating better financial systems for entrepreneurs, Canadian business owners can evaluate corporation investment strategies, improve liquidity, reduce unnecessary tax exposure, strengthen business owner tax savings, and build a clearer path toward financial independence in Canada and lasting financial freedom. The right approach to wealth management can also bring together tax-efficient investing, financial diversification, capital gains strategy, retirement planning, estate and legacy planning in Canada, and a practical investment bucket strategy designed to keep capital accessible while supporting long-term growth. Ultimately, effective Canadian tax strategies, thoughtful financial vision setting, and integrated wealth-building strategies in Canada can help entrepreneurs turn complex finances into a more intentional plan for retirement, family security, and building long-term wealth in Canada.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

VLOG Aug 26 SAMs Club, Al-Saada prisoner of war in MDC? https://www.patreon.com/MatthewRussellLee/posts/sams-club-with-167708351Britannica v Perplexity.ai, extra on unsealing: https://innercitypress.com/sdny45rochonperplexityaibriticp082626.html Valley National in CRA deregulation zone https://innercitypress.com/crareg3valleynationprovidenceffw082526.html China spy in UN Colombia? UNanswered

www.iotusecase.com#CyberResilienceAct #CRA #NIS2How does a legal reporting duty turn into a service you can charge for? That is the question behind “Cyber Resilience Act for OEMs: From Compliance Evidence to a Lifecycle Service” on the IoT Use Case Podcast. Host Ing. Madeleine Mickeleit talks to Miguel Morales, Vice President Strategic Cloud Alliances at Cumulocity, about what the CRA asks of connected-product manufacturers and where it meets NIS2.Podcast SummaryThe CRA comes with two dates: from September 2026, manufacturers have 24 hours to report actively exploited vulnerabilities and severe incidents; from December 2027, full conformity applies. Morales draws the line between the two regulations – the CRA governs manufacturers and their products, NIS2 the operators, with personal liability attached.That intersection is where his argument sits. CRA obligations stop at disclosing vulnerabilities and making patches available, and the patches must be free. Operators, though, have to prove their own compliance across equipment from many vendors. A manufacturer who hands them that evidence automatically is selling a lifecycle service, not just hardware.A published cybersecurity paper from Danfoss serves as the reference point. Beyond that, the conversation stays technical: SBOM generation, continuous firmware scanning, PKI certificates and update rollouts across globally distributed fleets. Morales calls the manual effort behind this the governance tax, and closes with ten actions for manufacturers.What you take awayThe first deadline is September 2026, not December 2027: 24-hour reporting for actively exploited vulnerabilities starts then.CRA and NIS2 interlock – the manufacturer's obligation is the basis of the operator's own proof.The patch must be free under the regulation; what can be priced is the rollout orchestration and the auditable evidence.Compliance shifts from an annual reporting exercise to a status calculated continuously from device state data.First of Morales' ten actions: move CRA ownership out of legal and into the product P&Ls.-----Relevante Folgenlinks:Madeleine (https://www.linkedin.com/in/madeleine-mickeleit-mrs-iot/)Miguel (https://www.linkedin.com/in/moralesamiguel/)CRA and NIS2 compliance (https://www.cumulocity.com/resource-library/cumulocity-eu-regulation-white-paper/)Cumulocity and EY Law (https://www.cumulocity.com/resource-library/building-cyber-resilience-for-the-eu-market/)Jetzt IoT Use Case auf LinkedIn folgen1x monatlich IoT Use Case Update erhalten

Lovable CISO Igor Andriushchenko on soft guardrails vs. hard boundaries, securing vibe coding for non-developers, and building a security program at a 10x company.I sit down with Igor Andriushchenko, Head of Security and CISO at Lovable, the AI development platform behind one of the fastest growth stories in the space. Igor joined as the first security hire when the company was around 40 people. A year later he is running a 20+ person team covering product security, GRC, IT, and platform safety for a company with 400 laptops in MDM and no sign of slowing down.We get into what it actually takes to secure AI-native development, both inside a hypergrowth startup and on a platform where most of the people shipping software are not developers and definitely not security practitioners.In this episode:Building a security program for the company you will be in 12 months instead of the one you are in todaySoft guardrails versus hard guardrails, and how to decide which one a problem deservesWhy hard blocks push AI-assisted workflows into the shadowsRooting guardrail decisions in business goals, risks, and threats rather than tool defaultsDemocratized development without democratized security, and what a platform owes the 99%Lovable's auto-fix toggle, per-app threat models, and the goal of an app with no security tab at allWhether models will ever produce secure code by default, and why defense in depth still carries the loadGoverning the reality that every employee vibe coding an app looks a lot like a new vendorGRC engineering as the way to measure control efficiency layer by layer against AI-powered attackersCRA, NIS2, and the EU AI Act landing on citizen developers who never thought of themselves as software manufacturersChapters: 0:00 Intro 0:23 Igor's background from DevOps to CISO 3:54 Scaling security at a 10x company 6:07 Reinventing the team when growth breaks it 08:26 Soft guardrails versus hard blocks 14:05 Tying guardrails to business risk 17:32 Democratized development, undemocratized security 18:52 Shared responsibility on an AI dev platform 21:16 Auto-fix, per-app threat models, and no security tab 25:21 Will models produce secure code by default? 29:56 Every employee vibe coding is a new vendor 30:57 Enterprise controls, publishing gates, and PII scanning 36:39 AI-powered attackers and why good enough changed 40:43 GRC engineering and measuring control efficiency 46:19 CRA, NIS2, and the citizen developer 52:41 Trust centers for builder apps 54:08 Closing thoughts on the vibe coding communityGuest links: Igor on LinkedIn: https://www.linkedin.com/in/igor-andriushchenko Lovable: https://lovable.devResilient Cyber: Newsletter and episode archive: https://www.resilientcyber.io Subscribe for more conversations with security practitioners and leaders.

A business owner can spend a lifetime building something extraordinary, and still have it quietly dismantled at death by a tax bill no one planned for.In this episode of Cover Your Assets, hosts Pierre Daillie and Ayal Cohen are joined by Eric Orr, Advanced Case Director of Sales at IA Financial Group, for a deeply illuminating conversation about what it really takes to protect a business owner's wealth, legacy, and the continuity of everything they have built. Drawing on 25 years of experience as an advisor and advanced case specialist, Eric helps advisors see what most business owners cannot yet see for themselves: that even the most carefully structured estates, shareholder agreements, and holding companies can unravel at the moment of transition, not from poor intentions, but from the absence of liquidity when it matters most.Eric walks through how CRA's very legal form of double taxation silently erodes business estates, why a beautifully drafted buy-sell agreement offers no protection without funding behind it, and how Canada's wealthiest families use cascading and corporate-owned insurance to move generational wealth elegantly and tax-efficiently. He also shares how advisors can open these conversations in ways that feel natural and genuinely helpful, surfacing planning gaps that business owners and their families did not know existed, and guiding them toward strategies that preserve what they have spent a lifetime creating.Whether you work in insurance, wealth management, or both, this episode reframes advanced insurance planning not as a product conversation, but as one of the most powerful acts of stewardship an advisor can offer.Chapters00:00 The problem no one sees coming: four liabilities, one moment 02:00 Eric's path from advisor to advanced case specialist 05:00 Why estates fail: planning gaps, CRA exposure, and family conflict 08:00 Family meetings, equalization, and keeping wealth intact across generations 11:00 The true tax exposure at death for business owners 12:00 CRA's legal double taxation, explained 14:00 Post-mortem planning most accountants never see 18:00 Buy-sell agreements: the plan behind the plan 20:00 Funding the transition: why insurance solves what liquidation cannot 25:00 Case study: a second-generation business, leveraged and exposed 30:00 Reframing insurance: from product to wealth preservation mechanism 33:00 How affluent families cascade insurance across generations 36:00 Corporate dollars, lower tax rates, and greater capital efficiency 40:00 Bringing accountants into the conversation as allies 44:00 How advisors can open the door to planning conversations naturally 47:00 Illustrating the cost of inaction: pennies protecting dollars 51:00 Death, taxes, and choosing who inherits: CRA or your family 54:00 When clients say they are already covered: finding the gaps 59:00 Closing reflections More... Eric Orr on Linkedin #EstatePlanning #SuccessionPlanning #LifeInsurance #WealthTransfer #BusinessOwners #TaxPlanning #FinancialAdvisors #InsuranceAdvisors #BuySellAgreement #CorporateInsurance #CanadianTax #WealthManagement #FamilyBusiness #LegacyPlanning #CRA #BusinessContinuity #InsuranceStrategy #WealthPreservation #CoverYourAssets #IAFinancialGroup

VLOG Aug 21: Foreign Agent Registration Act case of Sue Mi Terry: https://www.patreon.com/MatthewRussellLee/posts/spy-game-no-in-167224594 Sealed courtroom, guilty: https://matthewrussellleeicp.substack.com/p/sealed-courtrooms-after-doj-bid-to CRA cover up, Emigrant Bank; US v. UNFCU. UNSG race, @IvonneBaki and Ghislaine Maxwell board member? https://www.youtube.com/live/w8EIKLOOZRU?si=3B5Oo4VfvRThra4j&t=1335

Ryan, Dana, and Chris Trenkmann discuss Tampa calling a special CRA meeting that could bring final Rays stadium documents to a vote despite the agreements still being negotiated.See omnystudio.com/listener for privacy information.

In this episode of Compliance 911, Len Suzio and Dean Stockford examine the OCC and FDIC's newly proposed revisions to the Community Reinvestment Act, focusing on how the rule could reshape bank classifications, reporting requirements, assessment areas, and performance evaluations. Len highlights the Federal Reserve's absence from the proposal, predicts it may eventually join, and explains that raising the large-bank threshold to $10 billion could reduce the number of mandatory CRA reporters from more than 700 institutions to roughly 135, significantly weakening peer comparisons for small-business and small-farm lending. The discussion also addresses proposed restrictions on assessment area boundaries, whole-county requirements for large banks, the exclusion of loans made outside designated assessment areas, and changes to lending, service, complaint, and community development evaluations. Len argues that reduced reporting offers little meaningful relief because banks must still demonstrate CRA performance, and he encourages institutions to submit comments before the proposal is finalized. Brought to you by GeoDataVision and M&M Consulting

The Smith Manoeuvre Explained Most Canadian homeowners understand that mortgage interest on their principal residence is generally not tax deductible. The Smith Manoeuvre is a strategy designed to change how that debt is structured. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby are joined by Keaton Kirkwood of Kirkwood & Brennan Mortgage Group, a Smith Manoeuvre Certified Professional, to explain how the strategy works, why it can be powerful for Canadian homeowners and real estate investors, and what risks investors need to understand before using it. At a high level, the Smith Manoeuvre is about converting non-tax-deductible debt into tax-deductible investment debt while building investments at the same time.

Trump is pausing a major tariff hike on Canadian imports after a tentative deal was reached, giving negotiators three more days to hammer out the details — including possible concessions on Keystone XL, autos, dairy, and alcohol.Plus, John Tavares is taking the CRA to court over an $8 million tax bill tied to his Maple Leafs signing bonus, in a case that could make it even harder for Canadian teams to attract top U.S.-based athletes.And in The Lab: Moderna and Merck report a major breakthrough for personalized mRNA cancer treatment after a late-stage trial showed their vaccine-and-immunotherapy combo could delay the return of melanoma.The Peak Daily is produced in partnership with reframevid.com

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if the debt you think is “safe” is actually working against your wealth—while the debt you fear could help you build it?Most Canadians don't think twice about borrowing for a home or vehicle, yet the idea of borrowing to invest can feel dangerously different. In this episode, Kyle Pearce and Jon Orr unpack why that fear may have more to do with psychology than the actual mechanics of leverage—and how the Smith Maneuver can challenge the way you think about debt, risk, cash flow, and long-term wealth building.You'll discover:Why borrowing feels safer for cars and homes than for investments, even when those assets may offer far less financial upside.How the psychology of “payment-benefit matching” can influence your investing decisions, especially when using leverage.How to think more intentionally about leveraged investing, including cash flow, diversification, investor behavior, and choosing an approach you can actually stick with through market volatility.Press play now to rethink what “risky” debt really means and build a smarter framework for using leverage in your wealth strategy.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building a strong Canadian wealth plan means looking beyond traditional saving and thinking strategically about how debt, taxes, investments, and cash flow work together to support financial freedom Canada, financial independence Canada, and a realistic early retirement strategy. In this episode of Canadian Wealth Secrets, Kyle and Jon explore the Smith Maneuver Canada, leveraged investing Canada, borrowing to invest, home equity investing, and tax deductible investment interest Canada as part of broader wealth building strategies Canada and building long-term wealth Canada. They examine how investor psychology can shape decisions around investment debt Canada, mortgage debt strategy, leveraged investing risks, financial buckets, and an investment bucket strategy, while also highlighting the importance of tax-efficient investing, tax efficient investing Canada, Canadian tax strategies, capital gains strategy, and thoughtful financial diversification Canada. For business owners and incorporated professionals, these ideas connect closely with Canadian entrepreneur finance, corporate wealth planning, personal vs corporate tax planning, business owner tax savings, corporation investment strategies, corporate structure optimization, and financial systems for entrepreneurs. A complete long-term strategy may also include RRSP optimization, optimizing RRSP room, salary vs dividends Canada, real estate investing Canada, real estate vs renting, passive income planning, retirement planning tools, legacy planning Canada, estate planning Canada, financial vision setting, and modest lifestyle wealth—all working together to create a more intentional, tax-aware approach to Canadian wealth building.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

The FDIC and OCC have a CRA proposal out. The Federal Reserve hasn't signed on. Shaun Harms joins the show to separate what's in the text from what's circulating on LinkedIn. Harms is a principal and regional sector leader over the consulting practice at Forvis Mazars, concentrated in compliance and BSA. He's about 20 years out of the graduate school and now sits on the Barret banking faculty. He also runs the quarterly compliance roundtable. His read: this is a threshold rewrite, not a rebuild. The deposit-based assessment area that drove most of the angst in the rescinded rule is gone — it's the ordinary assessment area again. What's left is a tiering change. As Harms describes the proposal, banks under $1 billion fall under the small bank test, banks from $1 to $10 billion get an easier test with no reporting, and banks above $10 billion carry on as they do now. The lending test stays the core of it. The piece he expects to cause real work is the community development side. The proposal would cap the share of a CD activity that can go to administrative and overhead costs at 15%, which means banks need documentation to prove they're under it. He calls that the politically charged part of the rule and the one thing he'd flag as genuinely new effort. Everything else on the CD test, he thinks, gets less subjective — more examples, tighter parameters, easier to support a qualification. Two things he pushes back on. First, "majority of your lending" has never meant a 50/50 ratio. He walks through Delta banks running 40% in-area ratios and examining out satisfactory, because the loan demand simply wasn't there and the data showed it. Second, the argument that relief will pull community banks out of their communities. Banks don't sponsor the Little League team for the credit; they take the credit because they were going to sponsor it anyway. Where he's honest about not knowing: what the Fed does. He'd spoken with an FDIC member the day before recording, and the answer there was the same — everyone's waiting. His advice to banks in the meantime is status quo. Nothing has changed yet, and the last time two agencies moved without the third, the industry got an unequal playing field and a do-over.

VLOG Aug 17: Luigi Mangione 2bl jeopardy motion to NY Justice Carro: https://matthewrussellleeicp.substack.com/p/luigi-extra-amid-reports-of-possible MSG dunks on Charles Oakley https://www.patreon.com/MatthewRussellLee/posts/knicked-msg-wins-166706808 EDNY unsealing hearing, e-access too murky. CRA sleaze zone explored, UN ban must end: https://www.documentcloud.org/documents/28515554-application-amid-un-secretary-general-transition-inner-city-press-applies-again-for-accreditation-here/

Domain Homes President Adam Mays and project manager and lot specialist Guy Frankenfield join Garrett Greco to reveal why Tampa Bay homes have become so expensive, how $400,000 lots, construction costs, city codes and flood regulations are reshaping Tampa and St. Petersburg real estate, and how builders are helping families rebuild after the 2024 hurricanes.00:00 Intro02:21 How city codes shape homes10:18 Cost to build a home21:40 CRA subsidies and affordability37:34 Inherited lots and generational wealth43:46 Flood zones and elevation costs53:53 Rebuilding after Helene1:07:14 Historic neighborhoods and design costs1:17:02 The alleyway problem1:31:21 Domain's podcast on a plane

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you a high-income T4 earner who feels financially behind simply because you cannot access the same tax strategies as an incorporated business owner?It is easy to compare your tax bill, investment returns, or wealth-building options with someone playing a completely different financial game. But incorporation does not automatically mean more spendable income, and chasing strategies designed for someone else can distract you from the opportunities already available within your own plan.Through the story of a successful T4 earner with rental properties, registered investments, a DIY portfolio, and substantial home equity, this episode explores why knowing more strategies does not always create greater confidence. The real challenge may be choosing a tax-efficient approach that fits your risk tolerance—and staying consistent long enough for it to work.By listening, you will learn how to:Stop comparing two different financial games. Understand why the corporate small-business tax rate does not tell the full story and why incorporated owners still face personal tax when extracting money from their companies.Evaluate your next wealth-building move more clearly. Explore the trade-offs between seeking higher returns, taking on more investment risk, increasing your income, and improving tax efficiency through strategies such as the Smith Manoeuvre.Build confidence through consistency instead of chasing certainty. Discover why long-term financial confidence rarely comes from finding one perfect strategy—and how a repeatable process aligned with your goals, personality, and comfort with risk can move you closer to financial freedom.Press play now to learn how to focus on the financial game you can actually play—and build a strategy you can confidently follow for years.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.This episode of Canadian Wealth Secrets explores how a high-income T4 earner can improve financial planning, wealth management, and tax efficiency without comparing their situation to an incorporated business owner playing by different tax rules. Using a real listener case involving rental properties, RRSPs, a DIY ETF portfolio, and substantial home equity, Kyle and Jon explain why the small-business corporate tax rate does not equal personally spendable income and why salary versus dividends in Canada must be viewed through both corporate and personal taxation. They examine practical investment strategies, including the Smith Manoeuvre, real estate leverage, RRSP optimization, tax-efficient investing, and using home equity to support long-term wealth building. The conversation also highlights risk management, showing that higher potential returns often require greater concentration, private lending, or other risks that may not fit every investor. Rather than chasing the perfect strategy, listeners are encouraged to create a personalized Canadian wealth plan, define their minimum retirement cash-flow needs, and follow repeatable financial systems that match their investor personality. The core message is that lasting financial freedom in Canada comes from understanding the financial game available to you, choosing a strategy you can confidently maintain, and staying consistent on the path toward financial independence.Ready to connect? Text us your comment including your phone number for a response!PE Gate is now offering accredited investors access to Project Rope: the acquisition of an established, cash-generative Canadian industrial business with more than 45 years of operating history.PE Gate's targets an annualized IRR above 25%, net of carried interest.For the Offering Memorandum and full risk disclosure, visit pe-gate.com or email sarmen@pe-gate.com. If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Most people stop thinking about life insurance the moment the mortgage is paid off and the kids are grown. For a lot of retirees, that's actually when it starts to matter in a completely different way. In this episode of Think Smart with TMFG, we sit down with Ingrid Kucera, financial advisor at TMFG and our resident insurance expert, to unpack permanent life insurance: what it actually is, how it's different from term coverage, and why it becomes such an important planning tool once you're sitting on more than you'll ever spend, whether that's a large RRSP, a corporation, or just a bigger-than-expected estate. We also dig into what happens to that money when you pass it on. A large RRSP can trigger a huge tax bill in your final year, and money left inside a corporation has to clear a "tax wall" before it ever reaches your family. We break down the capital dividend account, the mechanism that lets certain amounts, including a life insurance death benefit, flow out tax-free, and why it's one of the few tools that can get money past that wall efficiently. From there, we get into the practical side: the real differences between whole life and universal life policies, why the "steady" option tends to win out for estate planning, and why some of the aggressive strategies advertised online like borrowing against an over-funded policy for tax-free income, carry real risk if the loan or CRA's rules don't cooperate. Finally, we share how we think it through with clients: matching the right type of policy to your actual goals, funding it in the most tax-efficient way available to you, and knowing where the line sits between smart planning and the strategies CRA has already flagged as abusive.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if you could own part of an established Canadian business—without buying the entire company or committing millions to a traditional private equity fund?Private equity has historically been difficult for individual investors to access, even when they qualify as accredited investors. In this episode, the PE Gate team explains its deal-by-deal approach, which is designed for entrepreneurial investors who want to understand the specific business they are backing rather than committing capital to a blind pool. You'll also hear why private equity is generally better suited as one part of an experienced investor's broader portfolio—not as a first or only investment.You'll learn:How PE Gate identifies established, cash-flowing Canadian businesses with long operating histories, trusted owners, niche market positions, and clear opportunities for growthHow due diligence, legal agreements, governance, financial reporting, employee ownership, and active operational support can help manage—but not eliminate—investment riskHow direct business ownership may offer Canadian investors potential advantages through leverage, share liquidity, the lifetime capital gains exemption, and tax-efficient corporate dividends when properly structuredPress play to learn how direct private equity investing works and whether it fits your experience, interests, and long-term portfolio strategy.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Private equity can play a meaningful role in a broader Canadian wealth plan for accredited investors, business owners, and entrepreneurs seeking tax-efficient investing, financial diversification in Canada, and long-term wealth building beyond public markets. In this episode, PE Gate explains how direct private equity deals can provide access to established, cash-flowing Canadian businesses, allowing investors to participate in business ownership while benefiting from professional due diligence, governance, leverage, and active operational support. The conversation also explores potential tax benefits, including the lifetime capital gains exemption for qualifying individual investors and tax-efficient intercorporate dividends when corporate investments are properly structured. For Canadian entrepreneur finance, these investment strategies may complement corporate wealth planning, corporation investment strategies, capital gains strategy, passive income planning, personal versus corporate tax planning, and business owner tax savings. While a complete financial independence Canada strategy may also involve RRSP optimization, salary versus dividends planning, real estate investing in Canada, retirement planning tools, estate and legacy planning, financial buckets, and other wealth-building strategies in Canada, this episode focuses specifically on how carefully selected private business investments may support corporate structure optimization, financial vision setting, and building long-term wealth in Canada.Ready to connect? Text us your comment including your phone number for a response!PE Gate is now offering accredited investors access to Project Rope: the acquisition of an established, cash-generative Canadian industrial business with more than 45 years of operating history.PE Gate's targets an annualized IRR above 25%, net of carried interest.For the Offering Memorandum and full risk disclosure, visit pe-gate.com or email sarmen@pe-gate.com. If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

VLOG Aug 3 Luigi Mangione trial access: https://matthewrussellleeicp.substack.com/p/mangione-trial-access-showdown-for Polymarket Maduro bet, bid to dismiss: https://www.patreon.com/MatthewRussellLee/posts/midnight-motion-165434193 FDIC and OCC attack on CRA opposed: https://innercitypress.com/cra2occfdicderegffw073126.html UN ban of Press: @GhanaUN looking into, hats off: https://innercitypress.com/unfreepress1proghanavseuicp080326.html

What happens when a Licensed Insolvency Trustee gets five minutes to tell Parliament what's really happening with debt in Canada? Doug Hoyes shares his firsthand experience testifying before the House of Commons Standing Committee on Finance, explaining why Canadians are taking longer before reaching a financial breaking point, how affordability challenges are changing the nature of debt, and why issues like CRA repayment demands continue to push some people toward insolvency. The conversation also explores the growing divide between homeowners and renters, debt layering, and why insolvency is often a lagging indicator of financial stress. Get a firsthand look inside Parliament and discover what Canada's debt trends could mean for the future of household finances. 01:02 Being invited to testify before Parliament 03:18 Inside the House of Commons committee process 06:18 The three messages presented to MPs 08:50 Why financial collapse now takes years 10:32 What MPs asked during the hearing 13:30 CRA repayment demands and consumer bankruptcies 16:12 Why the same CRA issues remain after 18 years 18:10 Affordability, rising costs, and structural debt problems 22:05 Debt layering: how Canadians stay afloat until they can't 24:15 Homeowners vs. renters: a growing financial divide 26:05 Mortgage renewals and what's coming next 29:15 Doug's biggest takeaway from testifying before Parliament 31:45 Why real financial stress isn't reflected in the headlines

Discover how Laurel Ash DeHaan transitioned from a 35-year career as a CRA auditor to pursuing her passion in acting. In this episode, she shares her journey, lessons learned, and her inspiring pursuit of a second act in the entertainment industry.Main Topics Covered:Laurel's transition from government work to acting after retirementThe influence of her daughter Lauren Ash's career on her journeyBuilding an acting career later in life: training, headshots, and finding an agentNavigating auditions, callbacks, and dealing with industry challengesInsights into union vs. non-union work and making decisions around union membershipThe emotional and personal fulfillment of pursuing acting as a second actTips for late bloomers considering a career switch into actingThe importance of passion, perseverance, and staying open to opportunities Hosted on Acast. See acast.com/privacy for more information.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you so focused on eliminating taxes that you're overlooking better opportunities to grow your wealth?A rising tax bill can feel painful, especially when your business is generating more profit than ever. But paying more tax is often a sign that your income and net worth are growing—and the real challenge is learning how to keep more capital working strategically instead of chasing the unrealistic goal of paying nothing.In this episode, Jon Orr and Kyle Pearce unpack a real business-owner scenario involving a significant corporate tax bill, excess cash, and missed planning opportunities. They explain how a shift in mindset, combined with practical changes to compensation and corporate wealth structure, can create greater flexibility today and stronger long-term outcomes.You'll discover:Why focusing on after-tax wealth growth is more valuable than trying to reduce your tax bill to zero.How adjusting the balance between salary and dividends can create RRSP room, reduce corporate income, and improve tax deferral opportunities.How business owners can put excess corporate cash to work while maintaining liquidity, supporting future investments, and preparing for estate taxes.Press play now to learn how smarter tax planning can turn a frustrating tax bill into a more intentional wealth-building strategy.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian entrepreneurs, building a resilient Canadian wealth plan means looking beyond the goal of simply paying less tax and creating financial systems that support long-term growth. This episode explores practical Canadian tax strategies, including salary vs. dividends in Canada, optimizing RRSP room, personal vs. corporate tax planning, and corporation investment strategies for excess business cash. It also examines how leveraged investing through a corporate line of credit may create a tax deduction when borrowed funds are used for eligible business or investment purposes, while emphasizing the importance of investment risk, liquidity, and professional guidance. By organizing capital into financial buckets, coordinating an investment bucket strategy, and combining tax-efficient investing with corporate structure optimization, passive income planning, financial diversification, and legacy planning in Canada, business owners can pursue financial independence, strengthen their estate plan, and build long-term wealth in Canada with greater clarity and flexibility.Ready to connect? Text us your comment including your phone number for a response!PE Gate is now offering accredited investors access to Project Rope: the acquisition of an established, cash-generative Canadian industrial business with more than 45 years of operating history.PE Gate's targets an annualized IRR above 25%, net of carried interest.For the Offering Memorandum and full risk disclosure, visit pe-gate.com or email sarmen@pe-gate.com. If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

How do you convince the CRA that bulk silicone nipples are a legitimate business expense? This week, the fellas sit down with Miranda, affectionately known as "the boob lady”, an artist and advocate crafting hyper-realistic silicone prosthetic nipples and body casts for cancer survivors, trans folks, and anyone navigating post-surgery body trauma. Miranda opens up about her wild path to this work: from compressing her chest as an early-blooming dancer in Northern Ontario, to finding a lump at 16 and being brushed off by a doctor who told her to "only worry if it starts bleeding." Flash forward to a solo exchange trip in Denmark when her nipple actually did start bleeding, leading to emergency surgery far from home, severed milk ducts, and years of unprocessed medical trauma. From custom pierced silicone nips to calling out Canadian healthcare bureaucracy for labeling nipples as merely "cosmetic," Miranda shares how she's using empathy, art, and humor to help people love—or at least hate a little bit less—the meat suits they're living in.Be sure to check out Miranda's beautiful work! IG: @withmimi.caWebsite: www.withmimi.ca Follow Sickboy: Instagram: https://www.instagram.com/sickboypodcastTiktok: https://www.tiktok.com/@sickboypodcastDiscord: https://discord.gg/expeUDN

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre your investments, corporate cash, and registered accounts working together—or are hidden gaps costing you money and time to reach financial freedom?Successful incorporated professionals can build significant wealth and still feel unsure whether their financial structure is truly optimized. When accountants, insurance advisors, and investment professionals each focus on only one piece, opportunities involving salary, retained earnings, taxes, and family savings can easily be overlooked.This episode examines a Canadian professional couple's financial setup and reveals the practical adjustments that could help them use their money more intentionally.You'll discover:How to balance salary, retained earnings, and RRSP contributions without withdrawing unnecessary personal income.Why TFSAs, RESPs, and available government grants should be considered before more complex wealth strategies.How idle corporate cash and high-fee investment products can limit long-term growth—and what to evaluate before choosing a better approach.Press play now to uncover the financial blind spots that may be hiding inside an otherwise successful wealth plan.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Effective wealth management for high-net-worth Canadians requires more than isolated advice—it calls for coordinated tax planning, financial planning, and asset optimization across personal and corporate accounts. For incorporated professionals and business owners, a strong Canadian wealth plan may include RRSP optimization, maximizing RESP grants, evaluating salary vs. dividends in Canada, and building tax-efficient corporate investments with the right balance of growth, safety, and liquidity. The episode explores how corporate wealth planning, personal vs. corporate tax planning, optimizing RRSP room, passive income planning, and corporate structure optimization can support financial freedom in Canada while reducing missed opportunities. It also highlights the value of financial buckets, an investment bucket strategy, capital gains planning, real estate investing in Canada, financial diversification, and business owner tax savings. Whether the goal is financial independence, an early retirement strategy, legacy planning in Canada, or building long-term wealth, Canadian entrepreneurs need financial systems that align retained earnings, registered accounts, insurance, real estate, and corporation investment strategies. With clear financial vision setting and the right retirement planning tools, entrepreneurs can create a more resilient plan for tax-efficient investing, estate planning, and sustainable wealth building in Canada.Ready to connect? Text us your comment including your phone number for a response!PE Gate is now offering accredited investors access to Project Rope: the acquisition of an established, cash-generative Canadian industrial business with more than 45 years of operating history.PE Gate's targets an annualized IRR above 25%, net of carried interest.For the Offering Memorandum and full risk disclosure, visit pe-gate.com or email sarmen@pe-gate.com. If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

How do you convince the CRA that bulk silicone nipples are a legitimate business expense? This week, the fellas sit down with Miranda, affectionately known as "the boob lady”, an artist and advocate crafting hyper-realistic silicone prosthetic nipples and body casts for cancer survivors, trans folks, and anyone navigating post-surgery body trauma. Miranda opens up about her wild path to this work: from compressing her chest as an early-blooming dancer in Northern Ontario, to finding a lump at 16 and being brushed off by a doctor who told her to "only worry if it starts bleeding." Flash forward to a solo exchange trip in Denmark when her nipple actually did start bleeding, leading to emergency surgery far from home, severed milk ducts, and years of unprocessed medical trauma. From custom pierced silicone nips to calling out Canadian healthcare bureaucracy for labeling nipples as merely "cosmetic," Miranda shares how she's using empathy, art, and humor to help people love—or at least hate a little bit less—the meat suits they're living in.Be sure to check out Miranda's beautiful work! IG: @withmimi.caWebsite: www.withmimi.ca Follow Sickboy: Instagram: https://www.instagram.com/sickboypodcastTiktok: https://www.tiktok.com/@sickboypodcastDiscord: https://discord.gg/expeUDN

Tom Foley began 2021 as the new Executive Director of National Disability Institute (NDI).The global economic cost of excluding disabled individuals from the labor force, which includes barriers to entrepreneurship, ranges between 3% and 7% of global gross domestic product (GDP). many people globally are turning to business ownership for flexible work hours & less of a stressful or hostile work environment. Tom trained as a tax lawyer and financial planner, Tom has more than 30 years of experience in the disability community. As a person who is blind, he has been an advocate and dedicated his career to partnering with other thought leaders to address the complex drivers of economic inequality and create pathways to employment and financial security for the most vulnerable communities. In addition, Tom has been instrumental in developing and influencing federal and state legislation to encourage employment and increase participation of people with disabilities in employment and wealth-building programs. He most recently held the position of Managing Director at the World Institute on Disability.Tom says: I think financial institutions, educators and banks each have to recognize the disability community as a specific market segment of the population that have been traditionally underserved and have a demonstrated need for access to financial tools and services. Once they make the decision to work with the disability community, they need to partner with organizations who are particularly well-positioned to provide industry technical assistance to reach the disability community and further the financial industry's inclusion goals – like National Disability Institute. For example, NDI reaches two million people per year and has been doing this for 15 years. We are particularly well situated, through our research, policy and practice, to reach this community.In addition, it's important for banks and financial institutions to target people with disabilities through their CRA activities. NDI's Center for Disability-Inclusive Community Development (CDICD) works to improve the usage of the opportunities and resources available under the Community Reinvestment Act (CRA). This is really important as millions of dollars, that could help people with disabilities in LMI communities, goes unspent every year. Through NDI's research, we've identified that Black, Indigenous and People of Color (BIPOC) communities with disability are the most underserved. How do we change this? Financial institutions, in particular, need to make a concerted effort to work with and support this segment of the community. In addition, we, the disability community, need to be intentional in our own efforts to better address these issues.© 2026 All Rights Reserved© 2026 Building Abundant Success!!Join Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23baAmazon ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat do you do when your business is profitable on paper, but payroll, taxes, and contractor payments are due before the cash actually hits your account?A cash flow crunch can make even a successful business feel unstable. You may have strong revenue, promising deals, and money on the way—but if the timing is off, your emergency fund is not prepared, the pressure can quickly turn into sleepless nights and reactive decisions. In this episode, Kyle Pearce and Jon Orr unpack why profitability and solvency are not the same thing, and how Canadian business owners can build systems and tools, and better emergency funds that help them handle cash gaps without panic.You'll walk away with:A clearer understanding of why cash flow crunches happen, even in profitable businesses.A smarter way to think about your emergency fund or “wealth reservoir” so cash is not just sitting idle.Practical insight into how business owners can use structured reserves, policy loans, and strategic planning to keep operations moving while still building long-term wealth.Press play now to learn how to stop fearing the cash flow crunch and start building a system that keeps your business steady when timing gets tight.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian entrepreneurs, a strong Canadian wealth plan starts with understanding the difference between profit and cash flow. Even when business growth looks healthy on paper, a cash flow crunch can expose weak cash management, gaps in business finance, and the need for better financial systems. This episode explores how a wealth reservoir can function like a more strategic emergency fund, helping business owners manage payroll, taxes, contractors, and other obligations without derailing long-term financial planning. By building financial systems for entrepreneurs, using corporate wealth planning, considering tax-efficient investing, and aligning personal vs corporate tax planning, business owners can create a stronger business strategy that supports financial freedom Canada, financial independence Canada, passive income planning, legacy planning Canada, and building long-term wealth Canada. Whether you are thinking about salary vs dividends Canada, RRSP optimization, corporation investment strategies, real estate investing Canada, financial buckets, capital gains strategy, estate planning Canada, or an early retirement strategy, the key is to create a flexible investment bucket strategy that supports both modest lifestyle wealth today and long-term wealth building strategies Canada for the future.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

In this episode of Compliance 911, Dean Stockford and Len Suzio discuss the OCC's proposed Community Development benchmarks for CRA performance, focusing on why community development has historically been difficult for banks to measure and plan. Len explains how the proposed benchmarks are organized by activity type—CD lending, qualified investments, services, and combined lending/investment activity—as well as by performance rating, bank size, and annual measures such as Tier 1 capital, assets, and volunteer service hours. The episode highlights how these benchmarks may give community banks a clearer framework for setting CRA goals and evaluating satisfactory or outstanding community development performance. Listeners can also download GeoDataVision's special PDF recap containing all 67 proposed Community Development lending, investing, and service benchmarks from the GeoDataVision website. https://geodatavision.com/content/occ-proposed-elective-goals-for-cra-strategic-planning/ Brought to you by GeoDataVision and M&M Consulting

A CBC investigation into online ticket reseller StubHub has unearthed new information about the company and its CEO. StubHub bills itself as an online ‘marketplace for fans' where they can buy and sell tickets. But its scalping problem goes all the way to the top.And: A devastating wildfire in southern Spain has turned deadly, marking one of the country's worst blazes on record as an intense heat wave grips Europe.Also: With travel prices soaring, many Canadians are forgoing a pricey hotel or short-term rental and instead trading their front door keys with strangers.Plus: Conservative divisions, CRA issues, First World War soldier's funeral, and more.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs the 4% rule giving you a false sense of security about your retirement plan?The 4% rule is one of the most popular shortcuts in retirement planning, but it was never meant to be followed blindly. If you're a Canadian business owner, incorporated professional, or high-income earner nearing financial freedom, your timeline, tax structure, and market risk may look very different from the “average” retiree the rule was built around. And when markets are expensive, even a strategy that worked historically can become much less reliable.In this episode, you'll discover:Why the 4% rule is a helpful starting point, but not a complete retirement strategy.How high market valuations, bubbles, and sequence of returns risk can dramatically change your odds of success.Why the way your portfolio produces income may matter just as much as the size of the portfolio itself.Press play now to rethink whether your retirement plan is built to survive more than just average market conditions.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian business owners and entrepreneurs approaching financial freedom in Canada, relying solely on the traditional 4% rule or a fixed safe withdrawal rate may not be enough. A strong Canadian wealth plan should account for sequence of returns risk, CAPE ratio retirement risk, market valuation risk, and the need for a flexible retirement income strategy that supports long-term financial independence Canada goals. Instead of focusing only on portfolio size, effective financial freedom planning should consider retirement cash flow planning, income investing Canada, RRSP optimization, salary vs dividends Canada, corporate wealth planning, tax-efficient investing, personal vs corporate tax planning, and corporation investment strategies. Whether your early retirement strategy includes real estate investing Canada, passive income planning, capital gains strategy, financial buckets, or an investment bucket strategy, the goal is to build a retirement portfolio strategy that balances growth, income, tax efficiency, and legacy planning Canada. With the right retirement planning tools, Canadian tax strategies, business owner tax savings, estate planning Canada, financial systems for entrepreneurs, and corporate structure optimization, you can create wealth building strategies Canada that support a modest lifestyle wealth goal today while building long-term wealth Canada for the future.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereMany incorporated business owners believe they have only two choices: pull money out of my corporation now and pay the tax, or leave it inside the corporation and deal with the tax later. But both extremes can create problems. One owner may earn great income yet watch most of it disappear into lifestyle, taxes, and cash flow demands, while another may defer successfully for decades only to face mandatory withdrawals, clawbacks, and a much bigger tax bill in retirement.In this episode, you'll learn:Why high income and high net worth can still lead to the same underlying issue: lack of long-term planning.How aggressive tax deferral can become a future tax trap if there is no strategy for flexibility later.Why the best answer often sits between spending everything today and deferring everything forever—using planning tools that help protect lifestyle, grow net worth, and improve tax efficiency over time.Press play now to learn how to avoid building tomorrow's tax problem with today's financial decisions.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.A strong Canadian wealth plan for business owners requires more than basic tax planning or wealth management—it needs a complete financial planning system that balances tax deferral, leverage, insurance, retirement planning tools, and long-term tax strategies. For Canadian entrepreneur finance, this means understanding personal vs corporate tax planning, salary vs dividends Canada, RRSP optimization, optimizing RRSP room, corporate wealth planning, corporation investment strategies, and corporate structure optimization so you can create business owner tax savings today without building a future tax problem. By using financial buckets, an investment bucket strategy, tax-efficient investing, passive income planning, capital gains strategy, and financial diversification Canada, incorporated professionals can support financial freedom Canada, financial independence Canada, and even an early retirement strategy while maintaining a modest lifestyle wealth approach. Whether your plan includes real estate investing Canada, real estate vs renting decisions, legacy planning Canada, estate planning Canada, or building long-term wealth Canada, the key is financial vision setting and creating financial systems for entrepreneurs that protect flexibility, improve tax efficiency, and support sustainable wealth building strategies Canada.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

VLOG June 25 - On Texas NYU subpoena, SDNY Judge grants TRO https://matthewrussellleeicp.substack.com/p/texas-2-step-with-nyu-torn-on-northern Colorado unsealing win https://innercitypress.com/cod1unitedairlinesicp062426.html AI in another brief in SDNY, Epoch Times case: https://innercitypress.com/sdny77mmarreroguanicp062426.html Anchorage Digital misleads on CRA, @SUN Walz misleads on UN

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs saving 10% of your income really enough to create financial freedom and set you up for a comfortable retirement—or could that “responsible” rule leave you short?Most people have heard the classic advice: pay yourself first, stay disciplined, and invest 10% of what you earn. But when you factor in inflation, lifestyle costs, taxes, time horizon, and the difference between gross and net income, that simple rule starts to look a lot less certain. In this episode, Kyle Pearce and Jon Orr unpack what actually happens when you follow the 10% rule over 10, 20, or 30 years—and why your personal retirement number may require a much more intentional plan.You'll walk away with:A clearer understanding of why saving 10% may not replace enough of your future income.A practical way to think about savings rates, inflation, investment returns, and retirement timelines.A better sense of how your current spending and investing habits affect how soon you can become financially free.Press play now to find out whether your savings rate is truly aligned with the financial freedom you want.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadians pursuing financial independence, the real question is whether your savings rate and retirement planning strategy can actually support the lifestyle you want after work. While the traditional 10% rule is often presented as a simple personal finance starting point, factors like inflation, compound interest, investment returns, taxes, and time horizon can dramatically affect your retirement savings and path to financial freedom Canada. A stronger Canadian wealth plan may include tax-efficient investing, RRSP optimization, optimizing RRSP room, investment bucket strategy, financial buckets, passive income planning, and smart investment strategies tailored to your income, lifestyle, and goals. For incorporated professionals and entrepreneurs, this can also involve corporate wealth planning, personal vs corporate tax planning, salary vs dividends Canada, corporation investment strategies, corporate structure optimization, and business owner tax savings. Building long-term wealth Canada may also require evaluating real estate investing Canada, real estate vs renting, financial diversification Canada, capital gains strategy, estate planning Canada, legacy planning Canada, and financial systems for entrepreneurs. Whether your goal is an early retirement strategy, modest lifestyle wealth, or a broader vision for financial independence Canada, the key is using practical retirement planning tools, clear financial vision setting, and intentional wealth building strategies Canada to create a plan that supports lasting financial freedom.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Small group instruction is a common part of math classrooms—but when it comes time to actually sit down with a group of students, many teachers are left wondering what they should be doing. Should you reteach the lesson? Provide more practice? Or try something completely different?The answer isn't about creating a whole new lesson. Instead, effective tier 2 instruction is about helping students access the same rigorous math as their peers—but with the right supports in place. By using formative assessment to understand where students are along the concrete, representational, and abstract continuum, teachers can provide targeted scaffolds that move students forward. The key is not lowering expectations, but removing barriers so every student can engage with the learning.In this episode, you'll explore:What tier 2 math instruction should (and shouldn't) look likeWhy small group time isn't about reteaching the same lessonHow to use the CRA (concrete, representational, abstract) model effectivelyWhat it means to provide “access” to grade-level mathHow to decide when students are ready to move onThe role of high-quality instructional materials and manipulativesIf you've ever wondered what to actually do during small group time in math, this episode will give you a clear and practical way to support students without lowering expectations.We built a simple Math Coherence Compass to help district and school leaders make aligned decisions around math—without adding another initiative. Get your free copy and training here https://makemathmoments.com/compass/Not sure what matters most when designing math improvement plans? Take this assessment and get a free customized report: https://makemathmoments.com/grow/ Math coordinators and leaders – Ready to design your math improvement plan with guidance, support and using structure? Learn how to follow our 4 stage process. https://growyourmathprogram.com Looking to supplement your curriculum with problem-based lessons and units? Make Math Moments Problem Based Lessons & Units Show Notes PageLove the show? Text us your big takeaway!Empower Your Students (and Teachers) Using A Professional Learning PlanThat Sparks Engagement, Fuels Deep Learning, and Ignites Action! Book a time to chat with our team to see how we can help you achieve your math goals! https://makemathmoments.com/plan/Are you wondering how to create K-12 math lesson plans that leave students so engaged they don't want to stop exploring your math curriculum when the bell rings? In their podcast, Kyle Pearce and Jon Orr—founders of MakeMathMoments.com—share over 19 years of experience inspiring K-12 math students, teachers, and district leaders with effective math activities, engaging resources, and innovative math leadership strategies. Through a 6-step framework, they guide K-12 classroom teachers and district math coordinators on building a strong, balanced math program that grows student and teacher impact. Each week, gain fresh ideas, feedback, and practical strategies to feel more confident and motivate students to see the beauty in math. Start making math moments today by listening to Episode #139: "Making Math Moments From Day 1 to 180.