Podcasts about cra

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Latest podcast episodes about cra

The Dental Hacks Podcast
Very Dental Classics: Sugar, Science and Dr. Rella Christensen

The Dental Hacks Podcast

Play Episode Listen Later Jan 2, 2026 77:24


This classic Dental Hacks episode features a long-form interview with Dr. Rella Christensen of TRAC Research (formerly CRA). The discussion covers the history of independent product evaluation, the challenges of maintaining objectivity in dental research, and significant findings regarding restorative materials and caries management. The original interview had really poor sound quality but a little help from an Adobe AI filter really cleared it up. This interview was worth another listen, I think! Key Interview Highlights 1. The Origins and Ethics of TRAC Research History: The organization began in 1976 (founded by Gordon Christensen) with the goal of collecting subjective data from clinicians to create objective "Consumer Reports" style rankings for dentistry. Unbiased Stance: Dr. Christensen emphasized that TRAC is a non-profit foundation that accepts no funding from manufacturers. If a company refuses to provide a product for testing (often fearing a negative review), TRAC purchases it on the open market to ensure the data is captured. The "File Drawer" Effect: They discussed how negative research is rarely published in journals due to corporate influence in dental schools and editorial boards. TRAC aims to publish the truth, even when it is negative. 2. Restorative Materials: The Zirconia Revolution 10-Year Study Results: Dr. Christensen detailed a 10-year study comparing various ceramic systems. The Failure: Zirconia substructures (like Lava) survived well, but the veneering ceramics (porcelain layered on top) had massive failure rates (chipping and cracking). The Winner: The study pointed toward monolithic zirconia (specifically BruxZir) and lithium disilicate (e.max) as the most durable options. Translucency Warning: She noted that as manufacturers push for more translucent (anterior) zirconia, they often lower the flexural strength (from ~1200 MPa to ~600 MPa). She cautioned that the long-term fracture toughness of these newer, "prettier" zirconias was still unknown at the time 3. The "Bombshell": Enamel Remineralization & Caries The Study: TRAC performed an in-depth clinical study on 330 orthodontic patients (high risk for white spot lesions). They tested various protocols including MI Paste, Fluoride Varnish, Ozone, and Xylitol against a control group. The Result: None of the products performed statistically better than the control group (who did nothing special), with the exception of PreviDent 5000, which was only marginally better. The Conclusion: Dr. Christensen concluded that you cannot arrest caries or remineralize enamel if the patient's diet is not addressed. She stated that dental caries is "the only infectious disease we attempt to treat while allowing the cause [sugar] to continue." Join the Very Dental Facebook Group using one of these passwords: Timmerman, Bioclear, Hornbrook, Gary, McWethy, Papa Randy, or Lipscomb!  The Very Dental Podcast network is and will remain free to download. If you'd like to support the shows you love at Very Dental then show a little love to the people that support us! I'm a big fan of the Bioclear Method! I think you should give it a try and I've got a great offer to help you get on board! Use the exclusive Very Dental Podcast code VERYDENTAL8TON for 15% OFF your total Bioclear purchase, including Core Anterior and Posterior Four day courses, Black Triangle Certification, and all Bioclear products. Crazy Dental has everything you need from cotton rolls to equipment and everything in between and the best prices you'll find anywhere! If you head over to verydentalpodcast.com/crazy and use coupon code "VERYSHIP" you'll get free shipping on your order! Go save yourself some money and support the show all at the same time! The Wonderist Agency is basically a one stop shop for marketing your practice and your brand. From logo redesign to a full service marketing plan, the folks at Wonderist have you covered! Go check them out at verydentalpodcast.com/wonderist! Enova Illumination makes the very best in loupes and headlights, including their new ergonomic angled prism loupes! They also distribute loupe mounted cameras and even the amazing line of Zumax microscopes! If you want to help out the podcast while upping your magnification and headlight game, you need to head over to verydentalpodcast.com/enova to see their whole line of products! CAD-Ray offers the best service on a wide variety of digital scanners, printers, mills and even  their very own browser based design software, Clinux! CAD-Ray has been a huge supporter of the Very Dental Podcast Network and I can tell you that you'll get no better service on everything digital dentistry than the folks from CAD-Ray. Go check them out at verydentalpodcast.com/CADRay!  

Consumer Finance Monitor
Significant 2025 Deregulatory Developments in Banking Law

Consumer Finance Monitor

Play Episode Listen Later Dec 31, 2025 75:27


Join host Alan Kaplinsky, founder and former longtime leader of Ballard Spahr's Consumer Financial Services Group and one of the foremost thought leaders in the industry, as he welcomes two special guests for a timely and insightful conversation about the most significant deregulatory developments in banking law during 2025. Alan is joined by his Ballard Spahr colleague Scott Coleman, a partner with more than 30 years of experience guiding banks and bank holding companies through mergers, acquisitions, and all facets of regulatory compliance, especially in the community banking sector. They're also joined by Dr. Sean Campbell, Chief Economist and Head of Policy Research at the Financial Services Forum, where he represents the eight U.S. global systemically important banks. Dr. Campbell is a distinguished economist, former senior Federal Reserve official, and published academic. In this episode, Alan, Scott, and Sean break down the latest developments and ongoing trends in bank regulation and supervision, and digital innovation. You'll get expert analysis and practical takeaways on: ·                 The Deregulatory Wave: How the Trump administration's aggressive deregulatory agenda is streamlining exams, reducing supervisory burdens, and shifting the focus toward core financial risk-while eliminating reputational risk as a part of President Trump's Debanking Executive Order. ·                 Supervision and Stress Testing Reform: Why new Federal Reserve proposals to increase transparency in stress testing mark a turning point for large banks, moving away from a "check-the-box" approach to a laser focus on tangible risks like capital, liquidity, and asset quality. ·                 Deposit Insurance Debate: The pros, cons, and historical lessons of raising FDIC insurance limits-especially in the wake of recent bank failures and how the right balance can preserve market discipline. ·                 Community Reinvestment Act in the Digital Age: Why the CRA's geography-based model is due for an overhaul as banking goes mobile and regulatory priorities shift. ·                 Crypto, Stablecoins, and Regulatory Parity: What the Bipartisan Enactment of the GENIUS Act (regulating stablecoins) means for banks and fintechs, and why applying anti-money laundering rules across the board could level the playing field. ·                 Eliminating Reputational Risk: How regulators are eliminating the use of "reputational risk" as a catch-all supervisory and enforcement tool and what this means for fair access and bank governance. ·                 Looking to the Future: The group reflects on what's next for the bank regulatory landscape, Wall Street's view on the industry, and the practical impacts on banks and consumers. Whether you're a banker, regulator, or just want to understand how Washington and Wall Street are shaping the future of finance, this episode delivers the highlights of 2025 and insights you need going into 2026. Tune in for expert opinions, real-world examples, and a roadmap to what's ahead! Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the banking and the consumer finance industry.

Canadian Wealth Secrets
The 3 RRSP Meltdown Strategies Every Canadian Business Owner Should Know

Canadian Wealth Secrets

Play Episode Listen Later Dec 31, 2025 34:47


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 unknowingly turning your RRSP into a massive tax bill instead of a wealth-building tool?Most Canadians — especially incorporated business owners — obsess over contributing to their RRSPs but give almost no thought to how that money comes out. Without a clear withdrawal plan, years of disciplined saving can result in forced withdrawals, top tax brackets, and a painful handoff to the CRA later in life. This episode reframes RRSPs not as a “set it and forget it” account, but as one moving part in a much bigger wealth system that needs intention, timing, and strategy.In this episode, you'll discover:How to use low- or no-income years to strategically draw down your RRSP before forced withdrawals kick inHow leverage strategies can offset RRSP taxes while increasing access to capital and preserving net worthWhy delaying other income sources like CPP and OAS can dramatically improve your overall tax efficiencyPress play now to learn how to turn your RRSP from a future tax liability into a flexible, intentional part of your long-term wealth system.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…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 goes far beyond saving—it's about aligning RRSP optimization, meltdown strategies, and tax-efficient investing within a clear financial system. By understanding personal vs corporate tax planning, salary vs dividends in Canada, and how to structure financial buckets across RRSPs, corporations, real estate, and non-registered investments, entrepreneurs can reduce income tax while building long-term wealth. Thoughtful retirement planning tools, capital gains strategies, and passive income planning support financial Ready to connect? Text us your comment including your phone number for a response!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 Rob Tetrault Show
RRSP Meltdown 101: The 3 Strategies EVERY Canadian Needs to Know

The Rob Tetrault Show

Play Episode Listen Later Dec 30, 2025 17:42


Canadian Wealth Secrets
Our Holiday Message To You!

Canadian Wealth Secrets

Play Episode Listen Later Dec 24, 2025 8:52


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 hereDo you ever feel like you should be further ahead financially — even though you've been doing everything “right”?As the year winds down, this episode speaks directly to Canadian business owners, incorporated professionals, and families who carry real responsibility and rarely pause to acknowledge their progress. When wealth-building feels slow, complex, or isolating, it's easy to mistake patience for failure. This conversation reframes what real progress looks like when you're designing long-term systems, not chasing short-term wins — and why reflection, clarity, and community matter more than optimization.You'll walk away with:A healthier definition of financial progress that goes beyond net worth and flashy milestonesA clearer mindset for building wealth through systems, patience, and intentional decisionsReassurance that uncertainty, slower growth, and thoughtful planning are signs of maturity — not being behindPress play to reset your perspective and head into the next season with clarity, confidence, and calm.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…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.As part of thoughtful financial reflection for business owners, end-of-year financial planning is an opportunity to shift toward progress over perfection wealth by recognizing financial wins and strengthening a long-term wealth building mindset. A strong Canadian wealth plan focuses on building wealth systems, not goals, combining proactive financial planning, financial buckets, and investment bucket strategies to create financial clarity and confidence. For Canadian entrepreneurs, this means aligning personal vs corporate tax planning, corporate structure optimization, RRSP optimization, and tax-efficient invesReady to connect? Text us your comment including your phone number for a response!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.

Cruz Mornings with Stacie & Clayton
Here's what happened:

Cruz Mornings with Stacie & Clayton

Play Episode Listen Later Dec 23, 2025 23:48


Christmas shopping / Heartwarming doggy news / Pizza Pops (poops?) / Law & Order: Food Court / X country skiing / CRA getting scammed!

Open Source Security Podcast
Daniel Thompson answers: Does the CRA apply to Santa?

Open Source Security Podcast

Play Episode Listen Later Dec 22, 2025 47:29


Josh welcomes back Daniel Thompson explore the rather silly question of whether Santa Claus needs to be compliant with the Cyber Resilience Act (CRA). This episode was intended to be silly, but it ended up being an incredibly interesting conversation. Daniel explained a great deal about how the CRA works and how it could apply to Santa Claus. The TL;DR is even if he's giving out free stuff, the CRA almost certainly applies. Daniel also fills us in on his book (you can email Josh to enter into a drawing for a copy), and his work on web browsers for the CRA. It's an incredibly informative discussion. The show notes and blog post for this episode can be found at https://opensourcesecurity.io/2025/2025-12-daniel-thompson-santa-cra/

Canadian Wealth Secrets
How to Create Tax Free Passive Income With Your Retained Earnings

Canadian Wealth Secrets

Play Episode Listen Later Dec 19, 2025 17:19


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 retained earnings quietly shrinking under taxes and inflation — even though your business is thriving?If you're an incorporated business owner, you've likely felt boxed in by bad options: pull money out and lose nearly half to tax, leave it sitting idle, or invest and watch passive income get hit with punitive rates. Meanwhile, wealthy families seem to grow corporate wealth smoothly, access liquidity when they need it, and pass money on with minimal tax friction. This episode breaks down why that gap exists — and how the rules of the Canadian tax system actually reward those who know how to structure properly.In this episode, you'll discover:How holding companies and connected corporations can turn retained earnings into 0% tax investment incomeWhy most “safe” corporate investments are tax traps — and what replaces themThe missing strategy that allows you to access corporate wealth tax-free during life and at deathPress play now to learn how incorporated business owners turn retained earnings into a tax-free corporate wealth flywheel.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…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.Corporate wealth management for Canadian business owners goes far beyond basic investing—it's about building a complete Canadian wealth plan that turns retained earnings into tax-free income while supporting long-term financial freedom in Canada. Through smart corporate tax strategies like holding company structures, life insurance planning, salary vs dividends optimization, and tax-efficient investing, entrepreneurs can create reliable passive income, accelerate early retirement strategies, and support a modest lifestyle wealth approach without unnecessary tax drag. By combining corporate weReady to connect? Text us your comment including your phone number for a response!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.

CANADALAND
To Fight Off America We Need Swedish Jets

CANADALAND

Play Episode Listen Later Dec 19, 2025 30:37


The choice between the F-35 and Saab's Gripen E is a litmus test for Canada's commitment to decoupling from America. As Carney reinvests in the military, is the Canadian media properly equipped to cover it? Plus, an $18 million CRA chatbox that is usually wrong. Host: San GrewalCredits: James Nicholson (Producer), Lucie Laumonier (Associate producer and Fact Checking) tom sayers (Audio Editor and Technical Producer), max collins (Director of Audio), Jesse Brown (Editor)Guest: Rahim Mohamed Further reading: Buying the F-35 Could Be Canada's Biggest Strategic Mistake - The WalrusDanish intelligence report warns of US military threat under Trump - The Associated PressF-35 beat Gripen fighter jet 'by a mile' in 2021 Defence Department competition | Radio-Canada.ca The Leaked Report Pushing Mark Carney Toward the F-35 Fighter Jet - The WalrusDND investigates leak used to discredit Saab's Gripen fighter jet - Ottawa CitizenThe CRA spent $18M on 'Charlie,' a new tax information chatbot that is wrong most of the time - The National Post'I was immediately cast … as a genocide supporter' — Jesse Brown on the cost of speaking against Jew-hate - The National Post Sponsors:Douglas: Douglas is giving our listeners a FREE Sleep Bundle with each mattress purchase. Get the sheets, pillows, mattress and pillow protectors FREE with your Douglas purchase today. Visit douglas.ca/canadaland to claim this offerSquarespace: Check out Squarespace.com/canadaland for a free trial, and when you're ready to launch use code canadaland to save 10% off your first purchase of a website or domain.MUBI: To stream great cinema at home, you can try MUBI free for 30 days at mubi.com/canadaland.If you value this podcast, Support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch at our store, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. Hosted on Acast. See acast.com/privacy for more information.

The CGAI Podcast Network
The CAF and The Path to 5%

The CGAI Podcast Network

Play Episode Listen Later Dec 19, 2025 51:06


In this episode of Defence Deconstructed, we're featuring the second panel from our November 12th 2025 Defence Procurement Conference, with Lieutenant-General Jamie Speiser-Blanchet, Vice-Admiral Angus Topshee and Lieutenant-General Michael Wright. Thank you the Department of National Defence's MINDS program and all our sponsors who made the conference, and this episode, possible. We'd also like to thank everyone who donated to the Institute on Giving Tuesday, your support is incredibly important in helping us deliver our programming. If you didn't have a chance to donate, but still want to support the Institute or podcast, you can still do so through the support link on our website – if you do before the end of the year you'll be eligible for a 100% CRA charitable donation tax credit for 2025. // Guest bios: - Lieutenant-General Jamie Speiser-Blanchet is the Commander of the Royal Canadian Air Force - Vice-Admiral Angus Topshee is the Commander of the Royal Canadian Navy - Lieutenant-General Michael Wright is the Commander of the Canadian Army // Host bio: - David Perry is President and CEO of the Canadian Global Affairs Institute // Defence Deconstructed was brought to you by Irving Shipbuilding. // Music Credit: Drew Phillips | Producer: Jordyn Carroll Release date: 19 December 2025

The Wealth Exchange
Federal Tax Shifts Explained: Enhancements, Risks & Planning Insights

The Wealth Exchange

Play Episode Listen Later Dec 18, 2025 27:57


With new tax credits, compliance updates, and evolving regulations, Canada's tax landscape can be challenging to navigate. In this episode of The Wealth Exchange, Ethan Astaneh, Wealth Advisor | Client Relationship Manager at Nicola Wealth, sits down with Matt Baker of Baker Tilly, one of Canada's largest independent accounting and business advisory firms, to break down what these recent changes mean for planning, investment, and compliance. Drawing on his extensive experience guiding clients through tax planning, compliance, and investment strategies, Matt explores both the enhancements designed to encourage investment, such as expanded SR&ED credits, flow-through share incentives, accelerated capital deductions, and the potential pitfalls that business owners need to watch for, from AMT considerations to emerging CRA review priorities. For business owners and investors seeking clarity, this episode offers a practical, expert-led perspective on navigating Canada's evolving tax landscape, highlighting the areas of opportunity, the areas of risk, and what thoughtful planning can achieve. For details on Baker Tilly's advisory services, or to connect with Matt Baker, visit https://www.bakertilly.com/

Der Industrie Podcast des VDMA
Cyber Resilience Act: Vom Muss zur Chance für den Maschinenbau

Der Industrie Podcast des VDMA

Play Episode Listen Later Dec 18, 2025 33:05 Transcription Available


Der Cyber Resilience Act (CRA) verändert die Cybersicherheitsanforderungen für den Maschinenbau grundlegend. Der EU-Rechtsakt ist bereits in Kraft, viele Pflichten werden jedoch erst bis Dezember 2027 verbindlich. Was bedeutet das konkret für Hersteller von Maschinen, Komponenten und Software? Steffen Zimmermann, Leiter VDMA Competence Center Industrial Security, und Oliver Winzenried, CEO der WIBU-SYSTEMS AG, diskutieren, welche neuen Anforderungen auf Unternehmen zukommen, wie sich CRA und NIS2 voneinander abgrenzen und warum der CRA mehr ist als reine Regulierung. Die Folge zeigt, wie Hersteller jetzt strukturiert vorgehen können - von Risikomanagement und Dokumentation bis hin zu Updates und Lieferkette - und warum der CRA langfristig Vertrauen, Resilienz und Wettbewerbsfähigkeit im Maschinenbau stärken kann. Produktion: New Media Art Pictures

Canadian Wealth Secrets
The Biggest Wealth Lessons for 2026

Canadian Wealth Secrets

Play Episode Listen Later Dec 17, 2025 17:42


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 sitting on piles of retained earnings but still unsure how to actually put your money to work as a business owner?So many incorporated business owners believe they're “well invested,” only to discover most of their wealth is sitting idle in corporate accounts — untouched because of uncertainty, fear of volatility, or analysis paralysis. This episode unpacks the real reason business owners think they're invested when they're not, why this misunderstanding creates missed opportunities year after year, and how over-focusing on finding the “perfect” investment stalls real progress. You'll hear what 400+ conversations with business owners revealed about risk, liquidity, and the mental blocks that keep money on the sidelines instead of building long-term freedom.You'll learn:Why your perceived investment risk profile often doesn't match your actual asset allocation — and how to fix itA simple framework for deciding how much cash to keep liquid versus how much to put into diversified, productive assetsThe small, consistent steps that reliably move retained earnings into growth without overwhelming complexity or added stressPress play to learn the most important wealth-building lesson business owners need before stepping into 2026.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…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.Canadian business owners looking to build long-term wealth in 2025 face unique financial planning challenges, from managing cash flow and overcoming analysis paralysis to balancing investment strategies across multiple financial buckets. A strong Canadian wealth plan brings together diversification, risk management, and tax-efficient investing to support financial freedom in Canada—whetReady to connect? Text us your comment including your phone number for a response!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.

Poniendo las Calles
01:30H | 17 DIC 2025 | Poniendo las Calles

Poniendo las Calles

Play Episode Listen Later Dec 17, 2025 30:00


El programa analiza el rendimiento de entrenadores y equipos de fútbol. Valverde (Athletic) obtiene un 5,5 y su equipo un 6, mostrando un juego peor que antes, aunque mejor en Champions. Cholo Simeone recibe un 7,5 y el Atlético de Madrid un 7, por su juego y el desarrollo de nuevos talentos. Flick y el Bayern consiguen un 8 y un 7,5; el Bayern lidera la liga y juega muy bien, a pesar de algún tropiezo en Champions. Xavi Alonso y el Real Madrid logran un 5,5 cada uno, pues no cumplen las expectativas, cediendo terreno en Liga. Una votación compara los onces ideales de la Premier y La Liga, donde el de La Liga gana con un 57%. El espacio radiofónico invita a recordar la infancia y las Navidades. Paula Calle, maestra de primaria en un colegio rural agrupado (CRA) de Segovia, explica su labor. Su CRA distribuye las aulas en varias localidades y atiende a 10 alumnos, de 6 a 11 años, en una única clase, fomentando el aprendizaje cooperativo. Paula se considera "maestra" por su enfoque en ...

The CGAI Podcast Network
A Lens on Taiwan and China

The CGAI Podcast Network

Play Episode Listen Later Dec 15, 2025 39:20


On this episode of #TheGlobalExchange, Colin Robertson sits down with Julia Bentley and Phil Calvert to discuss the intricacies of Taiwan and China. Thank you to everyone who donated to us this Giving Tuesday, an important day for registered charities like the Canadian Global Affairs Institute. If you wish to support us, please click the link here: www.cgai.ca/support All donations will receive a 100% CRA charitable donation tax receipt. Thank you in advance for your consideration. // Participants' bios - Julia Bentley is a former Canadian diplomat who served in both Beijing and Taipei. She is affiliated with the University of Toronto, York and National Taiwan University, and the Asia Pacific Foundation of Canada. - Phil Calvert is a CGAI Fellow, former Canadian diplomat and Senior Fellow at the University of Alberta and Associate at the University of Victoria Center for Asia Pacific Initiatives. // Host bio: Colin Robertson is a former diplomat and Senior Advisor to the Canadian Global Affairs Institute. // Reading Recommendations: - "Reimagining China Studies: Taiwan as a Platform for Engaging with the Sinosphere" by Julia Bentley - "The Once and Future World Order: Why Global Civilization Will Survive the Decline of the West" by Amitav Acharya - "The Book of Swindles: Selections from a Late Ming Collection" translated by Christopher Rea and Bruce Rusk - "There are Rivers in the Sky" by Elif Shafak - "The Conscience of the Party" by Robert L. Suettinger // Music Credit: Drew Phillips | Producer: Jordyn Carroll // Recording Date: December 10, 2025 Release date: December 15, 2025

Control and Compound with Darren Mitchell
Stop Letting the CRA Eat Your Profits | The Corporate Cash Traps Crushing Business Owners

Control and Compound with Darren Mitchell

Play Episode Listen Later Dec 15, 2025 27:23


BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   You worked hard. You took the risk. You built the business. So why does it feel like the CRA is the biggest partner you never invited in? On today's episode, Darren and Christina break down the most dangerous corporate cash traps business owners fall into — often without even realizing it. From passive income clawbacks to estate planning disasters, these mistakes quietly erode your profits and limit your future options. This is required listening for Canadian business owners who want control, flexibility, and tax efficiency — not surprises from the CRA.   Show notes:   00:00 - Introduction   1:50 - What are corporate cash traps?   3:10 - The passive income trap   7:10 - Inefficient profit distribution   9:25 - Corporate association rules   11:55 - Estate planning traps   14:20 - Loss of the lifetime capital gains exemption   17:50 - How do we solve these traps?   21:15 - Real life example FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

Western Context - News from Alberta, BC, and Canada
Western Context 448 – Unintended Consequences

Western Context - News from Alberta, BC, and Canada

Play Episode Listen Later Dec 14, 2025 70:23


David Eby backtracks on indigenous reconciliation, Alberta’s job creation lowers unemployment, and the CRA spends $18M on a chatbot that doesn’t work. Also, another floor crossing shows the importance of foreign interference coverage. Hosts: Shane and Patrick Duration: 1:10:23 For detailed show notes visit westerncontext.ca.

Canadian Wealth Secrets
Three Mistakes Business Owners & Investors Make During December - While Striving For Financial Freedom

Canadian Wealth Secrets

Play Episode Listen Later Dec 12, 2025 26:12


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 heading into the end of December wondering why your financial progress keeps stalling—despite having strong income or a successful business?This episode dives into the hidden traps business owners and investors fall into at year-end, especially when life feels busy, messy, and full of competing priorities. December should be a time to refine your financial direction, yet most people unintentionally delay key decisions, avoid their numbers, or chase new investment ideas without strategy. If you've ever pushed off meaningful financial steps “until the new year” or felt unsure where your real growth should come from, this conversation will feel uncomfortably familiar—in a good way. You'll discover: • Why delaying important financial actions—even small ones—quietly erodes your long-term wealth, and how to reverse that pattern with simple, doable steps. • Which numbers actually matter at year-end, so you can make confident decisions instead of operating in the dark or waiting for your accountant to tell you what happened months later. • How to identify your true growth engine—the source that reliably expands your wealth—so you stop chasing distracting asset classes and start doubling down on what really moves your net worth.Press play now to get clear on your year-end priorities and start the new year with momentum instead of missed opportunities.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…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 long-term wealth in Canada requires more than avoiding common financial mistakes—it demands a clear financial vision, smart financial planning systems, and tax-efficient investment strategies that work across both personal finance and corporate finance. For business owners and investorsReady to connect? Text us your comment including your phone number for a response!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 CGAI Podcast Network
A Discussion with The Honourable Stephen Fuhr

The CGAI Podcast Network

Play Episode Listen Later Dec 12, 2025 29:23


In this episode of Defence Deconstructed, we're featuring a fireside chat from our November 27th 2025 conference, Creating Pan-Domain Continental Defence, with Secretary of State (Defence Procurement), The Honourable Stephen Fuhr. Thank you the Department of National Defence's MINDS program and all our sponsors who made the conference, and this episode, possible. We'd also like to thank everyone who donated to the Institute on Giving Tuesday, your support is incredibly important in helping us deliver our programming. If you didn't have a chance to donate, but still want to support the Institute or podcast, you can still do so through the support link on our website – if you do before the end of the year you'll be eligible for a 100% CRA charitable donation tax credit for 2025. // Guest bios: - The Honourable Stephen Fuhr is the Secretary of State (Defence Procurement). // Host bio: - David Perry is President and CEO of the Canadian Global Affairs Institute // Defence Deconstructed was brought to you by Irving Shipbuilding. // Music Credit: Drew Phillips | Producer: Jordyn Carroll Release date: 12 December 2025

070 podcasts
El infierno de los justos | Bonus track: Y las aulas quedaron vacías

070 podcasts

Play Episode Listen Later Dec 11, 2025 29:00


"El infierno de los justos: del palacio a las aulas" es una miniserie de podcast donde exploramos los efectos de la toma y retoma del Palacio de Justicia en la vida de las facultades de derecho en el país.En este episodio extra escucharemos el audio que se reproduce en "Y las aulas quedaron vacías", una instalación que resultó de la reportería de este trabajo, en la que se utiliza un escritorio viejo como dispositivo —que asemeja los escritorios de los estudiantes de derecho en los años ochenta— para reproducir algunos de los testimonios que recabamos en esta reportería. La instalación fue donada por esta alianza periodística al Museo de la Independencia - Casa del Florero, en Bogotá, ubicado en la Cra. 7 #11-28. La instalación ahora hace parte de la exposición permanente de la sala "6 y 7 de noviembre de 1985" del Museo, dedicada a los eventos de la toma y retoma del Palacio de Justicia. Esta es una producción original de 070 Podcast, Revista Gaceta y La Liga contra el silencio.

The CGAI Podcast Network
A Self-Help Manual for Europe Navigating Transatlantic Relations

The CGAI Podcast Network

Play Episode Listen Later Dec 11, 2025 35:31


On this episode of #TheGlobalExchange, Colin Robertson sits down with Sofie Lilli Stoffel to discuss her latest study, "When Your Ally Turns Narcissistic: A Self-Help Manual for Europe Navigating Transatlantic Relations". Thank you to everyone who donated to us this Giving Tuesday, an important day for registered charities like the Canadian Global Affairs Institute. If you wish to support us, please click the link here: www.cgai.ca/support All donations will receive a 100% CRA charitable donation tax receipt. Thank you in advance for your consideration. // Participants' bios Sofie Lilli Stoffel is a research fellow with the Global Public Policy Institute in Berlin. // Host bio: Colin Robertson is a former diplomat and Senior Advisor to the Canadian Global Affairs Institute. // Reading Recommendations: - "When Your Ally Turns Narcissistic: A Self-Help Manual for Europe Navigating Transatlantic Relations" by Sofie Lilli Stoffel and Phillip Yorck Herzberg // Music Credit: Drew Phillips | Producer: Jordyn Carroll // Recording Date: December 10, 2025 Release date: December 11, 2025

Canadian Wealth Secrets
What If My Leveraged Investment Tanks? How to Build a Wealth Reservoir That Survives Volatility

Canadian Wealth Secrets

Play Episode Listen Later Dec 10, 2025 31:14


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 happens when an investment made with leverage—whether through OPM, a HELOC, or a whole life policy—suddenly goes bad?Canadian business owners and families often worry about using leverage to build wealth, especially when markets turn or a deal underperforms. It's easy to feel uneasy when the value of an investment dips, your home equity stalls, or you're unsure how a leveraged move might affect your long-term financial security. This episode unpacks the emotional and financial realities behind these decisions, showing how to think clearly about risk, liquidity, and diversification—without letting fear shut down your wealth-building strategy.In this episode, you'll discover:Why the type of asset you leverage matters—and how different reservoirs (cash, home equity, whole life policies) behave when markets fall.How to structure your wealth reservoir so a single failed investment can't collapse your system.The mindset and mechanics behind maintaining liquidity, staying diversified, and making confident investment decisions even in volatile times.Press play to learn how to build a resilient wealth reservoir that keeps your financial system secure—no matter what your next investment does.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…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 long-term wealth in Canada starts with a clear Canadian wealth plan anchored in a strong wealth reservoir and smart investment strategies that balance growth with solid risk management. By integrating tools like a whole life policy, RRSP optimization, and tax-efficient investing, Canadian business owners can create an opportunity fund thReady to connect? Text us your comment including your phone number for a response!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.

Sounds Profitable: Adtech Applied
Apple Podcasts' Show of the Year, Talkhouse Appoints Laura Mayer, & More

Sounds Profitable: Adtech Applied

Play Episode Listen Later Dec 8, 2025 6:23


Today in the business of podcasting: Talkhouse signs Laura Mayer as Head of Podcasts, CRA members capture 33% of Australia's digital ad market, the six podcasts nominated for a Golden Globe next year, Apple Podcasts names their Show of the Year, and how startups are finding podcast advertising in a world where big brands are buying ads too. Find links to every article covered by heading to the Download section of SoundsProfitable.com, or by clicking here to go directly to today's installment.

I Hear Things
Apple Podcasts' Show of the Year, Talkhouse Appoints Laura Mayer, & More

I Hear Things

Play Episode Listen Later Dec 8, 2025 6:23


Today in the business of podcasting: Talkhouse signs Laura Mayer as Head of Podcasts, CRA members capture 33% of Australia's digital ad market, the six podcasts nominated for a Golden Globe next year, Apple Podcasts names their Show of the Year, and how startups are finding podcast advertising in a world where big brands are buying ads too. Find links to every article covered by heading to the Download section of SoundsProfitable.com, or by clicking here to go directly to today's installment.

The Peak Daily
Sun or strike

The Peak Daily

Play Episode Listen Later Dec 8, 2025 7:03


Just three months after the last Canadian airline strike brought travel plans to a halt, we're on the verge of an untimely sequel. A record number of Canadian taxpayers are having to correct the CRA's work.

Canadian Wealth Secrets
The 3-Tier Liquidity System Every Canadian Needs to Build Wealth

Canadian Wealth Secrets

Play Episode Listen Later Dec 5, 2025 31:29


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 relying on luck instead of a liquidity plan—and putting your wealth growth at risk without even realizing it?Most Canadians think of an emergency fund as a boring cash pile that just sits there. But as Jon and Kyle reveal, your emergency fund is actually the foundation of every smart financial system—because it determines whether you react to problems or respond to opportunities. With rising costs, unpredictable expenses, and income volatility, your financial resilience depends on how you structure your liquidity. And as your net worth grows, the role of that fund should evolve—shifting from simple protection to strategic fuel for wealth building.You'll discover:The three tiers of liquidity—how to move from basic stability to a true “wealth reservoir” that compounds and supports long-term planning.When cash, leverage, or whole life cash value each make sense depending on your stage and volatility.How high-net-worth Canadians use liquidity strategically to seize opportunities, reduce taxes, and protect their legacy.Hit play to learn how to turn a simple emergency fund into one of the most powerful wealth-building tools in your financial system.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…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 long-term wealth in Canada requires more than earning a high income—it demands intentional capital gains planning, smart financial strategy, and a clear financialReady to connect? Text us your comment including your phone number for a response!Canadian business owners seeking financial freedom in Canada can strengthen their personal finance and corporate wealth planning by building emReady to connect? Text us your comment including your phone number for a response!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 CGAI Podcast Network
Integrated Air and Missile Defence

The CGAI Podcast Network

Play Episode Listen Later Dec 5, 2025 66:00


In this episode of Defence Deconstructed, we're featuring a panel discussion from our November 27th 2025 conference Creating Pan-Domain Continental Defence, that was focused on “Integrated Air and Missile Defence”. It featuring CGAI Fellows Col (ret'd) Dr. Al Stephenson, Peter Bates and Dr. James Fergusson, as well as Peggy Mason, the President of the Rideau Institute. Thank you the Department of National Defence's MINDS program and all our sponsors who made the conference, and this episode, possible. We'd also like to thank everyone who donated to the Institute on Giving Tuesday, your support is incredibly important in helping us deliver our programming. If you didn't have a chance to donate, but still want to support the Institute or podcast, you can still do so through the support link on our website – if you do before the end of the year you'll be eligible for a 100% CRA charitable donation tax credit for 2025. // Guest bios: - Peter Bates is a CGAI Fellow and a retired veteran Canadian Foreign Service Officer. - Dr. James Fergusson is a CGAI Fellow and Professor Emeritus in the Department of Political Studies, and Deputy Director of the Centre for Defence and Security Studies. - Peggy Mason is the President of the Rideau Institute - Col (ret'd) Dr. Al Stephenson is a CGAI Fellow and is an aviation consultant and a 35-year veteran of the Canadian Forces. // Host bio: - David Perry is President and CEO of the Canadian Global Affairs Institute // Defence Deconstructed was brought to you by Irving Shipbuilding. // Music Credit: Drew Phillips | Producer: Jordyn Carroll Release date: 05 December 2025

Canadian Wealth Secrets
Why “Buy Term and Invest the Difference” Fails High-Net Worth Canadians

Canadian Wealth Secrets

Play Episode Listen Later Dec 3, 2025 29:33


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 still relying on “buy term and invest the difference”—without realizing it may be the wrong comparison for your actual wealth strategy?Many high-income Canadians and incorporated business owners are unknowingly measuring permanent insurance against the wrong benchmark. The real issue isn't whether market investments outperform a policy—it's whether your risk-off capital is sitting idle, under-earning, and over-taxed. If you're holding piles of cash, GICs, or fixed-income assets for safety, you may be missing out on a structure that protects liquidity, enhances tax efficiency, and strengthens long-term wealth planning. This episode reframes how to segment your capital, why traditional advice often falls flat for higher-net-worth households, and how the right structure can expand both stability and opportunity.You'll learn:Why “term vs. permanent” is the wrong comparison—and what fixed-income bucket permanent insurance truly replaces.How high-net-worth Canadians can access tax-exempt compounding, liquidity, and optionality unavailable in traditional fixed-income tools.The powerful estate and corporate tax advantages that can turn safe dollars into a far more efficient long-term wealth asset.Press play to rethink your risk-off capital—and uncover a smarter, more flexible way to build and protect your wealth.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…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 long-term wealth in Canada requires more than earning a high income—it demands intentional capital gains planning, smart financial strategy, and a clear financialReady to connect? Text us your comment including your phone nuReady to connect? Text us your comment including your phone number for a response!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 Bitcoin Frontier
Self-custody rights are property rights Seth Hertlein | The Last Free Americans

The Bitcoin Frontier

Play Episode Listen Later Dec 2, 2025 109:53


Seth Hertlein is the Global Head of Policy at Ledger and one of the earliest, most persistent advocates for bitcoin self-custody in Washington. Known for his “lone ranger” years as the only lobbyist focused on protecting non-custodial rights, he brings a rare combination of securities law expertise, political insight, and deep conviction about individual property rights. In this episode, Seth joins The Last Free Americans to share how he fell down the bitcoin rabbit hole, why self-custody is a return to humanity's oldest property norms, and how today's policy battles will define digital freedom for generations. We dig into the evolution of financial intermediaries, the history of natural rights from Aristotle to the framers, and the real political forces lining up for and against self-custody.SUPPORT THE PODCAST:→ Subscribe → Leave a review → Share the show with your friends and family → Send us an email: podcast@unchained.com→ Learn more about Unchained: https://unchained.com/?utm_source=youtube&utm_medium=social&utm_campaign=podcast → Book a free call with a bitcoin expert: https://unchained.com/consultation?utm_source=youtube&utm_medium=social&utm_campaign=podcastTIMESTAMPS:0:00 – Intro to The Last Free Americans & Seth's unique role in policy2:20 – How a securities regulator became an “accidental crypto lobbyist”5:03 – Early bitcoin reading, monetary policy, and recognizing its political nature7:43 – The aha moment of self-custody: from Ledger device to first withdrawal12:58 – Ownership vs. possession: how financial markets drifted into full intermediation16:40 – Why self-custody is not new: property as a natural human right22:45 – How centralization overtook markets: certificates, DTCC, and efficiency tradeoffs27:58 – 2021: the year Washington and the industry “woke up” to each other33:10 – Keep Your Coins Act, Canadian truckers, and why lawful peer-to-peer matters38:40 – Property rights, natural law, and the framers' blind spots on privacy45:55 – Executive Order 6102, takings law, and lessons for bitcoin52:03 – How the Bank Secrecy Act and third-party doctrine became digital surveillance59:42 – The three camps opposing self-custody: nats-ec hawks, socialists, and bureaucracies1:05:40 – The IRS broker rule, CRA repeal, and precedents for stopping overreach1:11:22 – House vs. Senate language: what “retain the right” really means1:17:14 – Odds of passage in 2024 and why Senate floor time is everything1:22:44 – The global landscape: why America is still the last best hope1:27:50 – What comes next: privacy as the next digital freedom frontier1:32:10 – Closing thoughts on restoring founding principles through BitcoinWHERE TO FOLLOW US: → Unchained X: https://x.com/unchained  → Unchained LinkedIn: https://www.linkedin.com/company/unchainedcom  → Unchained Newsletter: https://unchained.com/newsletter → Joe Kelly's Twitter: https://x.com/josephkelly  → Seth Hertlein's Twitter: https://x.com/SethHertlein  

The Compliance 911 Show
The New Section 1071

The Compliance 911 Show

Play Episode Listen Later Dec 1, 2025 13:26 Transcription Available


This podcast highlights sweeping changes proposed for Section 1071 Rule that would dramatically shrink the volume of reportable small business lending and the number of institutions required to report in comparison to the lenders reporting under the CRA Rule. The most significant shift is redefining a “small business” from $5 million to $1 million in gross annual revenue, a change that would eliminate nearly half of currently reported (compared to CRA reporters) small business loans, which is magnified even further when combined with the proposal to exclude renewals (unless the loan amount increases).  The Section 1071 Rule's reporting threshold for "covered" lenders would jump from 100 to 1,000 small business originations in each of the prior two calendar years. Under the current CRA Rule about 700 lenders are required to report. In comparison, under the proposed Section 1071 Rule only about 80 of those lenders have enough loan volume to be required to report under that Rule. In fact, among those potential Section 1071 lenders, the top10 would generate more than 91% of the reported small business lending activity under Section 1071. The Section 1071 proposal would also drop agricultural loans from being reported and eliminate dozens of discretionary data points, greatly reducing transparency and regulatory insight. With such far-reaching implications, the presenters urge stakeholders to actively comment before the December 15, 2025 deadline rather than remain passive. Brought to you by GeoDataVision and M&M Consulting

The CGAI Podcast Network
The Prime Ministers of the True North

The CGAI Podcast Network

Play Episode Listen Later Dec 1, 2025 56:17


On this episode of #TheGlobalExchange, Colin Robertson sits down with Raymond Blake to discuss his latest success, Canada's Prime Ministers and the Shaping of a National Identity. This coming Tuesday, 2nd December, is Giving Tuesday, an important day for registered charities like the Canadian Global Affairs Institute. If you wish to support us, please click the link here: www.cgai.ca/support All donations will receive a 100% CRA charitable donation tax receipt. Thank you in advance for your consideration. // Participants' bios Raymond Blake is an author and Professor of History at the University of Regina. // Host bio: Colin Robertson is a former diplomat and Senior Advisor to the Canadian Global Affairs Institute. // Reading Recommendations: - "Canada's Prime Ministers and the Shaping of a National Identity" by Raymond Blake Ballots and Brawls by Patrice Dutil - "The Coutts Diaries" by Ron Graham - "Times of Transformation" by Barbara J. Messamore // Music Credit: Drew Phillips | Producer: Jordyn Carroll // Recording Date: November 24, 2025 Release date: December 01, 2025

Canadian Patriot Podcast
10 Year Anniversary Show

Canadian Patriot Podcast

Play Episode Listen Later Nov 29, 2025 66:11


CPP460 - 10 Year Anniversary Show Intro Hello to all you patriots out there in podcast land and welcome to Episode 460 of Canadian Patriot Podcast. This marks 10 years of the number one live podcast in Canada. Recorded October 27th, 2025.   We need your help! To support Canadian Patriot Podcast visit patreon.com/cpp and become a Patreon. You can get a better quality version of the show for just $1 per episode. Show you're not a communist, buy a CPP T-Shirt, for just $24.99 + shipping and theft. Visit canadianpatriotpodcast.com home page and follow the link on the right. What are we drinking And 1 Patriot Challenge item that you completed Better Andrew - Nickel Brook brewing "Midnight Melt" Salted caramel barrel-aged stout 11% Pierre - Forty Creek and Pepsi Gavin - Crown Royal & Diet Pepsi Grab the Patriot Challenge template from our website and post it in your social media Listener Feedback We'd love to hear your feedback about the show. Please visit  canadianpatriotpodcast.com/feedback/ or email us at feedback@canadianpatriotpodcast.com A version of the show is Available on iTunes  at https://itunes.apple.com/ca/podcast/canadian-patriot-podcast/id1067964521?mt=2 Upcoming Events Strava https://www.strava.com/clubs/ragnaruck   News: Canada Stats 2015 2025 Population 35.7 Mil 45.7 GDP $1.55 Tril US $2.26 Deficient $1 Bil $70 Bil Debt to GDP 31% %112.5 Homicide 1.71/100,000 1.91/100,000 Inflation %1.1 %2.4 Cost Home $413,000 $676,154 Rent $966 $2123 Unemploy %7.1 %7.1 New Resident 271,839 395,000 Origin Philippines India # Res Guns 795,854 1,269,076 New Car $27,563 $45,000 Grocery BIll $719/month $1402/month Ford defends Ontario's anti-tariff ad that angered Trump, says he achieved his goal https://www.cbc.ca/news/canada/toronto/ford-defends-ontario-anti-tariff-campaign-9.6955261   Bodycams worn by Toronto FreshCo cashiers raise questions about safety and privacy https://www.cbc.ca/news/canada/toronto/toronto-freshco-body-cameras-safety-privacy-9.6947384   B.C. man dies weeks after rescuing himself from the jaws of a grizzly bear https://www.cbc.ca/news/canada/british-columbia/joe-pendry-grizzly-bear-attack-east-kootenays-9.6954326   Grizzly killed through Alberta's new hunting program, province says https://www.cbc.ca/news/canada/calgary/grizzly-bear-management-alberta-minister-9.6954480   Right now, we don't have the votes' to pass federal budget, says Liberal House leader https://www.cbc.ca/news/politics/liberal-house-leader-budget-votes-9.6953599   CRA mistakenly refunded 4.99 million to a single company without review, still fighting 2 years later https://www.cbc.ca/news/politics/politics-leaked-cra-mistaken-refund-9.6952217   Outro Andrew - https://ragnaroktactical.ca/ Visit us at www.canadianpatriotpodcast.com   We value your opinions so please visit www.canadianpatriotpodcast.com/feedback/ or email us at feedback@canadianpatriotpodcast.com and let us know what you think. Apologies to Rod Giltaca.  We've spent too much time Looking for Andrew.  Haven't had time to compare schedules and make it work…. Remember, "you are a small fringe minority" with "unacceptable views"

Canadian Wealth Secrets
The Capital Gains Time Bomb: Why Waiting Could Cost You Millions

Canadian Wealth Secrets

Play Episode Listen Later Nov 28, 2025 24:25


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 capital gains quietly building into a financial time bomb that could detonate right when you need liquidity the most?For many high-earning Canadians—especially tech professionals with stock options and RSUs or business owners with most of their wealth tied up in their company—capital gains don't feel dangerous… until they suddenly are. As positions grow year after year, so does the tax liability, the concentration risk, and the emotional resistance to selling. By the time liquidity, diversification, or retirement planning becomes urgent, the opportunity for elegant, tax-efficient strategies has already closed. This episode digs into why capital gains become such a trap, how optionality slowly disappears, and what both employees and business owners can do before they hit a point of no return.In this episode, you'll discover:How concentration risk quietly compounds and why waiting makes the tax burden exponentially harder to manage.The strategic moves that only work before you need to sell, from trimming positions to pairing gains and losses to building diversified buckets.Why business owners face the same capital-gains trap as employees—and what they can do to de-risk while keeping growth potential and flexibility intact.Press play now to learn how to unwind capital gains strategically—long before the tax bill dictates your decisions. If you'd like, I can tighten the tone further, make it punchier, or create a more SEO-optimized version.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…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 long-term wealth in Canada requires more than earning a high income—it demands intentional capital gains planning, smart financial strategy, and a clear financialReady to connect? Text us your comment including your phone number for a response!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 CGAI Podcast Network
DPRK Cyber Operations

The CGAI Podcast Network

Play Episode Listen Later Nov 28, 2025 16:48


In this episode of Defence Deconstructed, we sit down with Dr. Julie Kim, to discuss her new paper, “From Intelligence Gathering to Financial Gain: Countering DPRK Cyber Operations.”. This coming Tuesday, 2nd December, is Giving Tuesday, an important day for registered charities like the Canadian Global Affairs Institute. If you wish to support us, please click the link here: https://www.cgai.ca/support All donations will receive a 100% CRA charitable donation tax receipt. Thank you in advance for your consideration. // Guest bios: Dr. Julie Kim is a Post-Doctoral Fellow leading the Korea Program at the Canadian Global Affairs Institute and a Country Expert on North Korea for the Bertelsmann Transformation Index. // Host bio: David Perry is President and CEO of the Canadian Global Affairs Institute // Recommended Readings: - "Autocracy Inc" by Anne Applebaum // Defence Deconstructed was brought to you by Irving Shipbuilding. // Music Credit: Drew Phillips | Producer: Jordyn Carroll Release date: 26 November 2025

Canadian Wealth Secrets
Your Will Isn't Enough: The Overlooked Gaps Putting Your Wealth at Risk

Canadian Wealth Secrets

Play Episode Listen Later Nov 26, 2025 49:02


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 certain your family and your business would stay protected if something happened to you tomorrow?Most business owners assume a simple will is enough—until a crisis exposes gaps they never saw coming. In this episode, estate and legacy expert David Edey breaks down why so many Canadian families end up in years-long legal battles, even when wills exist. He shares the real-world consequences of avoiding tough conversations, overlooking succession planning, or assuming loved ones can “figure it out.” If you've ever wondered whether your executor is prepared, whether your business could run without you, or whether your family is set up for clarity instead of conflict, this conversation will hit home.You'll walk away knowing:Why wills fail—and the conversations every family must have to avoid messy court fights and broken relationships.How to safeguard your business through succession plans, executor preparation, and simple mechanisms that prevent partners from being forced into unwanted arrangements.The practical tools—like red-envelope systems, digital-asset planning, and legacy blueprints—that make this the greatest gift of love you can leave behind.Press play now to learn how to protect your family, your wealth, and your business with confidence and clarity.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…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 goes far beyond investing—it starts with clear wills, thoughtful estate planning, and honest family conversations that prevent inheritance disputes, family fights, and costly court cases. By preparing your executor early and reducing the risk of estate conflicts, you create space to focus on financial freedom in Canada, whether through early Ready to connect? Text us your comment including your phone number for a response!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 Tax Chick Podcast
Season Finale! Budget breakdown and tax tea

The Tax Chick Podcast

Play Episode Listen Later Nov 26, 2025 17:03


Fall 2025 has been a busy season for tax developments!In the FINAL EPISODE of Season 6 of The Tax Chick Podcast, I share my thoughts on:- The latest Auditor General's Report on CRA call times and accuracy- The new CRA - Voluntary Disclosure Program- The 2025 federal budgetWhile the podcast will be taking a short break, The Tax Chick Podcast will return with brand new episodes in 2026!HERE ARE SOME OTHER WAYS TO CONNECT WITH ME:My website! Email: thetaxchickpodcast@gmail.com@tax.chick (IG) LinkedInBe a "Tax Chick VIP"

Canadian Wealth Secrets
How Much Do Canadian Business Owners Really Need To Retire?

Canadian Wealth Secrets

Play Episode Listen Later Nov 21, 2025 12:14


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 hereHow do you know if you can actually afford to retire as a Canadian business owner — and are you sure the “freedom number” you're chasing is even the right one?Most business owners have built impressive balance sheets, yet still feel uncertain about stepping away from work because their wealth isn't structured to pay them when they stop earning. You may have properties, retained earnings, or a thriving company — but little of it translates into reliable, personal cashflow. This episode breaks down why traditional retirement advice fails entrepreneurs and shows a simpler, more accurate way to calculate what your lifestyle truly costs. You'll also hear how reorganizing the wealth you already have can convert static assets into sustainable, tax-efficient income for decades.You'll discover: How to calculate your real financial freedom number using a lifestyle-first formula. How to sort your assets into three practical buckets so you can unlock income without selling everything. How to build a predictable, tax-efficient income engine that keeps paying you even after you step away from your business.Press play to learn how to turn your existing wealth into a system that makes work optional.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…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.Canadian business owners looking to build long-term wealth in Canada need a retirement planning approach that goes beyond traditional RRSP optimization and real estate investing. A modern Canadian wealth plan blends financial vision setting with smart asset organization, using financial buckets, tax-efficient investing, and corporation investment strategies to create reliable income strategies that support financial freedom Canada. By combining salary Ready to connect? Text us your comment including your phone number for a response!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.

Canadian Wealth Secrets
A Warning on These Two Popular Wealth Building Books

Canadian Wealth Secrets

Play Episode Listen Later Nov 19, 2025 31:48


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 relying on popular wealth-building books but still unsure how to actually follow their advice without stressing over every dollar?This episode breaks down two of the most influential personal-finance books for Canadian business owners—I Will Teach You to Be Rich and Becoming Your Own Banker—and reveals the hidden challenges most readers never address. You'll hear how seemingly “simple” strategies like automated index investing often collide with real human behavior, business-owner cash-flow fears, and the psychological barriers that keep money sitting idle. You'll also get a grounded look at infinite banking—what works, what's misunderstood, and how to avoid forcing yourself into rigid systems that don't match your goals. If you've ever wondered why “the math makes sense” but still feels impossible to follow, this conversation will connect the dots.You'll discover: • Why strong wealth strategies fail without accounting for real-life behavior and cash-flow uncertainty • How a “wealth reservoir” can make investing easier, safer, and more consistent than traditional emergency-fund thinking • A clearer way to blend equities, fixed income, and high-cash-value insurance so your plan reflects your reality—not someone else's formulaPress play now to learn how to apply the best ideas from these two books without falling into the common traps that hold business owners back.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…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 helps business owners turn retained earnings into long-term security by combining tax-efficient investing with clear financial vision setting and a balanced investment bucket strategy. By aligning corporate wealth planning witReady to connect? Text us your comment including your phone number for a response!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.

BuzzHouse: A Baker Tilly Podcast
How LIHTC equity pricing is shifting

BuzzHouse: A Baker Tilly Podcast

Play Episode Listen Later Nov 18, 2025 17:00


In this episode of BuzzHouse, Don Bernards and Garrick Gibson sit down with Philip Porter, senior vice president and head of acquisitions at Enterprise Housing Credit Investments, to make sense of the shifting landscape in low-income housing tax credit equity.Philip breaks down what developers should know about lower credit pricing, the impact of recent legislation like the One Big Beautiful Bill Act, and what's really driving changes in investor behavior. From construction timelines to CRA cycles, they unpack how demand, policy and capacity are colliding in today's LIHTC market.If you've been wondering what all this means for pricing, underwriting and syndication strategy, this episode covers it all.Follow UsTwitter @BakerTillyUSFacebook @BakerTillyUSInstagram @bakertillyusPresented by Baker Tillywww.bakertilly.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sounds Profitable: Adtech Applied
Podcast Audiences Still Listen, Evolving Live Events, & More

Sounds Profitable: Adtech Applied

Play Episode Listen Later Nov 17, 2025 7:41


Today in the business of podcasting: audio remains the primary mode of podcast consumption, how loyal is your podcast audience?, PAVE teams up with Katheryn Nicolai for special live event, the State of Podcast Business, and CRA announces CRA Audio ID. Find links to every article covered by heading to the Download section of SoundsProfitable.com, or by clicking here to go directly to today's installment.

I Hear Things
Podcast Audiences Still Listen, Evolving Live Events, & More

I Hear Things

Play Episode Listen Later Nov 17, 2025 7:41


Today in the business of podcasting: audio remains the primary mode of podcast consumption, how loyal is your podcast audience?, PAVE teams up with Katheryn Nicolai for special live event, the State of Podcast Business, and CRA announces CRA Audio ID. Find links to every article covered by heading to the Download section of SoundsProfitable.com, or by clicking here to go directly to today's installment.

Debt Free in 30
585 – Small Business: Mixing Personal and Business Debt Pros & Cons

Debt Free in 30

Play Episode Listen Later Nov 15, 2025 32:14


Many Ontario small business owners use personal credit to get a venture off the ground, because banks rarely lend to brand-new businesses. That convenience can help with early cash-flow gaps and sometimes costs less than a high-risk business loan, but it also creates serious personal exposure: guarantees, blurred books, CRA headaches, and credit-score damage. Doug and Ted walk through when using personal debt might make sense, the major risks to watch for, and practical ways to structure your finances. (00:00) Self-employment: Opportunity vs. Necessity (02:00) Capital-Intensive vs. Lean Start-Ups (with examples) (04:00) Why banks don't fund brand-new businesses and what "collateral" means (06:30) Pro #1- Easier access to credit for start-ups (08:00) Pro #2 - Cash flow and other short-term advantages (09:30) Con #1- Personal liability: when business failure becomes personal insolvency (12:00) Con #2 - Blurred finances: bookkeeping pitfalls, CRA risk, and collection stress (14:00) Con #3 - Credit-score impact: utilization and missed-payment damage (16:00) Best practices and tips (19:00) The three roles every small business owner needs Debt Traps of Buying a Business with David Barnett – Debt Free in 30 Bad Funding Choices for Small Businesses with David Barnett – Debt Free in 30 Want to Buy a Business?  Here's What to Know First – Debt Free in 30 Starting or Buying A Business Out of Necessity – Debt Free in 30 DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Canadian Wealth Secrets
Your 60/40 Investment Portfolio Is Not Actually 60/40. A Canadian Business Owner Case Study

Canadian Wealth Secrets

Play Episode Listen Later Nov 14, 2025 42:18


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 an incorporated professional sitting on hundreds of thousands in your corporate account—but too nervous to invest it?Many business owners find themselves in this exact bind. You've built a thriving practice, cash is piling up, but fear of illiquidity, taxes, or a market downturn keeps that money sitting idle. Meanwhile, inflation erodes its value and passive income taxes take half your gains. This episode dives into the real-life case of “Mark,” a medical professional from Calgary with over $700,000 in retained earnings, and unpacks how he can move from analysis paralysis to strategic growth. We explore why fear-based “safety” can actually be costly, how to structure your retained earnings for flexibility, and how to align your investments with both logic and emotion.In this episode, you'll discover:How to balance liquidity with long-term growth inside your corporation without triggering punitive tax hits.Why your retained earnings portfolio might be more conservative than you think—and how to fix it.The strategy top professionals use to turn idle corporate cash into a tax-efficient, growth-producing reservoir.If you're ready to stop letting your retained earnings stagnate and start building lasting corporate wealth, press play now and learn how to make your money work as hard as you do.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…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.Canadian business owners seeking financial freedom in Canada can unlock powerful opportunities by aligning retained earnings with smart investment strategies and principles of behavioral finance. Through thoughtful corporate finance planning and attention to liquidity and tax implications, enReady to connect? Text us your comment including your phone number for a response!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 Small Business School Podcast
Making Sense of Tax Installments (Without the Panic)

The Small Business School Podcast

Play Episode Listen Later Nov 13, 2025 14:36


Welcome back to Small Business School! Let's talk about something that confuses almost every entrepreneur at some point — tax installments. In this episode, I'm breaking down what they are, when you owe them, and how to handle them without stress or surprise bills from the CRA. If you've ever wondered why you're being asked to pay tax before year-end, or what happens if you skip an installment, this episode is for you.Key topics covered:What tax installments actually are (and why they're not “extra” tax)When CRA requires you to start paying installments — and how to find your specific deadlinesWhat happens if you skip or delay a paymentWhen it might make sense to use your line of credit to pay installmentsHow to plan ahead so taxes stop feeling like a surpriseAt the end of the day, it's not about fear — it's about being informed so you can make empowered decisions with your money.Staci's Links:Instagram. Website.The School for Small Business Podcast is a proud member of the Female Alliance Media. To learn more about Female Alliance Media and how they are elevating female voices or how they can support your show, visit femalealliancemedia.ca.Head over to my website https://www.stacimillard.com/ to grab your FREE copy of my Profit Playbook and receive 30 innovative ways you can add more profit to your business AND the first step towards implementing these ideas in your business!

Canadian Wealth Secrets
How To Legally Pay Less Tax as a Canadian Business Owner

Canadian Wealth Secrets

Play Episode Listen Later Nov 12, 2025 21:21


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 unknowingly letting taxes drain your wealth—even after years of business success?Many Canadian business owners build impressive portfolios, yet still lose thousands each year to unnecessary taxes. It's not because they're doing anything wrong—it's because they're missing the system the wealthy quietly use to build, protect, and transfer wealth efficiently. In this episode, Kyle Pearce and Jon Orr break down how to legally minimize taxes, grow your assets strategically, and turn your corporation into a true wealth engine instead of a tax leak.You'll discover:Why most entrepreneurs build wealth backward—and how defining your financial vision changes everything.How to use your corporation as a tax-efficient reservoir to trap wealth before it leaks to the CRA.The truth about tax timing—and how to outpace most investors by simply losing less to taxes.When to start withdrawing strategically (hint: not when you retire).How to design your legacy so your wealth ends up exactly where you want it—not where the government decides.Press play now to learn how to take back control, protect your profits, and engineer your financial freedom.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…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 financial freedom in Canada starts with a clear financial vision and a smart, tax-efficient plan that keeps more of your wealth working for you. Whether you're a Canadian entrepreneur, real estate investor, or business owner, understanding personal vs corporate tax planning, salary vs dividends, and RRSP optimization is key to creating lasting prosperity. By developing financial buckets and a wealth reservoir inside your corporate structure, you can balance tax-efficient inveReady to connect? Text us your comment including your phone number for a response!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.

Debt Free in 30
584 – Top Mistakes Debtors Make and How to Avoid Them

Debt Free in 30

Play Episode Listen Later Nov 8, 2025 31:22


Drawing on experience from 25+ years and 73,000+ filings, Doug and Ted break down the top debt mistakes Canadians make, and how to avoid them. They explain how problems creep up, why waiting narrows your options, high-cost credit and payday-loan cycles, CRA's real collection powers, and so much more. Canada-specific guidance for debtors with tips on protecting your long-term financial health. (00:00) How debt mistakes happen (02:00) Spotting debt problems early (04:30) Waiting too long is costly: interest, stress, fewer options (06:30) Choosing the right help: Licensed Insolvency Trustees vs. "debt consultants" (08:30) Minimum payments: is it ever a good strategy? (10:30) High-cost credit & payday loan cycle (13:30) Ignoring CRA debt: the powers of the Canada Revenue Agency (15:30) RRSPs to pay debt? Taxes, exemptions, and better paths (18:00) The credit-score trap (21:00) Practical resets, scam red flags Hoyes Michalos Joe Debtor Consumer Insolvency Study 2024 DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Canadian Wealth Secrets
How to Build Your Own Pension as a Canadian Business Owner

Canadian Wealth Secrets

Play Episode Listen Later Nov 7, 2025 24:32


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 hereShould you keep your pension—or build your own?If you've left a teaching or public sector job to start a business or invest independently, the idea of commuting your pension can feel intimidating. Do you trade the safety net of a predictable income for the freedom (and risk) of building wealth your own way? In this episode, Jon and Kyle break down the mindset and math behind pensions—revealing what most people misunderstand about “guaranteed” security and how business owners can create their own version of it. Whether you're missing the comfort of a defined benefit plan or wondering if those “golden handcuffs” were ever worth it, this conversation reframes what financial certainty can really look like.You'll discover:The real rate of return behind traditional pensions—and why they're not as generous as they appear.How to replicate pension-like security using a well-structured, high–cash-value insurance policy or other conservative strategies.A practical framework for balancing growth, flexibility, and risk so you can build your own financial “floor” without sacrificing upside potential.Press play now to learn how to design your own pension-style safety net—and take control of your wealth on your own terms.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…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 lasting financial security in Canada starts with a clear Canadian wealth plan that integrates business ownership, financial planning, and tax-efficient investing. Through smart use of insurance, RRSP optimization, and corporate wealth planning, entrepreneurs can design a path toward financial independence Canada—balancing salary vs. dividends, managing personal vs. corporate tax, and leveraging investment strateReady to connect? Text us your comment including your phone number for a response!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.

Canadian Wealth Secrets
My Money's Stuck in My Corporation — How Do I Actually Use It Tax Efficiently?

Canadian Wealth Secrets

Play Episode Listen Later Nov 5, 2025 26:03


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 hereHow can you access the wealth trapped inside your corporation—without triggering a massive tax bill?Many successful Canadian business owners hit a surprising wall: their company's thriving, their retained earnings are healthy, and yet their personal dreams—like buying that dream home by the beach—feel just out of reach. You've done everything “right”: paid yourself a smart salary, minimized taxes, built up savings inside the corporation. But when it's time to use that wealth personally, the corporate veil suddenly feels like a barrier. This episode unpacks how to bridge that gap strategically, so you can enjoy the fruits of your business success without an unnecessary tax hit.In this episode, you'll learn:How to structure a “Wealth Reservoir”—a financial system that gives you liquidity and flexibility while keeping your money working inside your corporation.A powerful way to access corporate wealth personally using a high-cash-value life insurance policy and third-party leverage—without prematurely pulling money out and losing tax advantages.Why proactive “upstream planning” sets you up for financial freedom later—and helps you avoid reactive, last-minute decisions that cost you thousands in taxes.Press play now to learn how to unlock your corporate wealth and turn your business success into real-life financial freedom.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…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.Canadian business owners seeking financial freedom in Canada can unlock powerful results by integrating corporate wealth planning with smart personal finance strategies. By building a wealth reservoir—a system that leverages corporate assets for liquidity and tax advantages—entrepreneurs can achieve both business grReady to connect? Text us your comment including your phone number for a response!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.

Canadian Wealth Secrets
How This Canadian Business Owner Turned Idle Cash into Opportunity Capital

Canadian Wealth Secrets

Play Episode Listen Later Oct 31, 2025 7:42


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 your corporation's cash sitting idle, costing you opportunities — but pulling it out would mean a massive tax hit?Many Canadian entrepreneurs find themselves stuck in the corporate cash trap: profits that feel safe inside the company but are losing ground to inflation and taxes. You've worked hard to build retained earnings, but now they're just sitting in low-yield accounts — too expensive to withdraw and too inefficient to grow. In this episode, you'll hear how one Ontario entrepreneur turned that same challenge into a wealth-building strategy that gave him control, flexibility, and peace of mind.You'll discover:How to transform trapped retained earnings into a tax-advantaged, liquid asset that compounds quietly in the background.Why a properly structured, corporately owned whole life policy can double as a source of opportunity capital for future investments.The mindset shift that helps business owners move from feeling stuck to feeling in control of their corporate wealth.If you're ready to make your corporate cash work for you — without sacrificing liquidity or facing a tax hit — press play and learn how to unlock your own “opportunity capital.”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…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.Many Canadian entrepreneurs unknowingly fall into the corporate cash trap, letting retained earnings sit idle instead of turning them into opportunity capital. A well-designed Canadian wealth plan can unlock that trapped cash through strategies like whole life insurance, tax-efficient investing, and corporate structure optimization, helping business owners achieve greater financial flexibility and liquidity. By aligning personal vs corporate tax pReady to connect? Text us your comment including your phone number for a response!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.

Fall Obsession Podcast
Ep. 256 "Ambler Road" with Sam Thrash

Fall Obsession Podcast

Play Episode Listen Later Oct 27, 2025 47:42


You may have heard of it, "Ambler Road"; the 211-mile roadway authorized via Presidential Executive Order to run through Alaska's Brooks Range.  Meanwhile, Congress has used the congressional review act (CRA) to overturn the BLM's resource management plans in Montana, North Dakota and Alaska, putting over 160 million acres at risk.  And don't forget about Utah Senator Mike Lee's latest attempt to defile the current wilderness act.  These are the main topics Sam brings to our attention in this episode.  Our government is seemingly overreaching and not listening to science-based wildlife management and conservation and it is up to you, the hunter, the American and the voter to address it.  Don't skip over this one, because much has transpired since we last spoke.  Fall Obsession Podcast is sponsored by:Hoot Camo Company (https://hootcamo.com/)Bear River Archery (https://www.bearriverarchery.com/)Trophy Edits (https://trophyedits.com/?ref=fallobsession)The Outdoor Call Radio App (https://www.theoutdoorcallradio.com/)