Podcasts about newmarket ontario

Rob Clark. Rob is CEO, Owner, Founder, Entrepreneur, and a work in progress, and the leader of RC Design, a full service digital design company in NewMarket Ontario.  I loved having this conversation with Rob, and got to see how he has weaved kindness and caring, and seeing things through to the end, and doing a great job at  as lessons from his parents into how he provides the same for his clients. Rob is making an impact and gets to better the pond for his people, his community, and his clients. 

I help in Canada day in 1996 in Newmarket Ontario also was in the newspaper I also watched a bluejays game and went up the cn tower also went to midland where the early Europeans settled and went Niagara Falls

Oakrest is a pop punk band hailing from Newmarket Ontario, Canada. You may remember their song, "Nothing Serious", being played on Pop-Punk & Pizza Podcast last year. Jacob, Jacob, and Chris, join us straight from day one in the studio on this episode! Oakrest is currently working on their first full length album to be released sometime in 2022. How exciting!    Thanks so much for talking with me guys.   Much Love, Jacques LaMore   Pop-Punk & Pizza Podcast is presented by, Pop-Punk Takeout. A monthly subscription box filled with merchandise from pop punk artists from all over the world! Learn more and sign up at poppunktakeout.com. Follow them on Facebook, Instagram, and TikTok.

Samantha Denuzzo of Newmarket Ontario joins me on the podcast. A a parent she has always been standing up for the children and knows how crucial it is for kids to remain active, have social interaction, spend time with their friends and live the live that kids and everyone are called to live. The events she has taken part in for kids and everything she is doing to stand against this is an inspiration to humanitarians across the world. 

Iliana Babler is a teacher, voice actor, wife and cat-mom from Newmarket Ontario who enjoys creative writing in her spare time. Her struggle with concussion and chronic illness has fueled a learning journey of rest and recovery. This piece was created to express the tension between needing healing and not being there quite yet; it attempts to capture the feeling of awaiting summer in the early spring.  -------------------------------------------------------------------------------------------------------------- Created during a time of quarantine in the global Coronavirus pandemic, A Moment Of Your Time's mission is to provide a space for expression, collaboration, community and solidarity. In this time of isolation, we may have to be apart but let's create together.  Follow Us: Instagram | Twitter Created by CurtCo Media Concept by Jenny Curtis Theme music by Chris Porter A CurtCo Media Production See omnystudio.com/listener for privacy information.

In the March edition of The Monthly, Trevor Dale, CEO of TK Dale Wealth, looks at how COVID is affecting unemployment rates, supply influencers, and movements in the stock and bond market.Don't forget to subscribe, watch on YouTube or visit our website at tkdale.com

Dave Williams was an emergency physician in Toronto and Director of the Department of Emergency Services at Sunnybrook Health Sciences Centre prior to his selection by the Canadian Space Agency in 1992. He was one of four successful astronaut candidates from a field of over 5300 applicants. He completed basic training, and in May 1993, was appointed manager of the Missions and Space Medicine Group within the Canadian Astronaut Program.In January 1995, Williams was selected to join the international class of NASA mission specialist astronaut candidates. In April 1998, he participated in STS-­90 as flight engineer, Mission Specialist 3, and crew medical officer aboard the Space Shuttle Columbia. During the 16-day mission dedicated to neuroscience research, the team conducted numerous experiments which were foundational to future scientific discoveries. From July 1998 until September 2002, he held the position of Director of the Space and Life Sciences Directorate at the Johnson Space Center in Houston, Texas. With this appointment, he became the first non-American to hold a senior management position within NASA. He concurrently held a position as the first deputy associate administrator for crew health and safety in the Office of Space Flight at NASA Headquarters in 2001. He became an aquanaut through his participation in the joint NASA-NOAA (National Oceanic and Atmospheric Administration) NEEMO 1 mission, a training exercise held in Aquarius, the world's only underwater research laboratory. During this seven-day exercise, Williams became the first Canadian to have lived and worked in space and in the ocean. Subsequently in 2006, he led NEEMO 9 as the crew commander of an 18-day mission dedicated to assessing technologies and protocols for remote medical care. His second spaceflight on STS-118 took place August 8-21, 2007. During the mission Endeavour's crew successfully added the S5 truss segment, a new gyroscope and an external spare parts platform to the International Space Station. Williams participated in three of a total of four spacewalks (EVAs) and was the lead spacewalker in two of the three EVAs. Traveling 5.3 million miles in space, the STS-118 mission was completed in 12 days, 17 hours, 55 minutes and 34 seconds.  A veteran of two space flights, STS-90 in 1998 and STS-118 in 2007, Dave Williams has logged over 687 hours in space including 3 spacewalks (EVAs) totaling 17 hours and 47 minutes establishing the record for the most spacewalks by a Canadian astronaut. Dave Williams retired from active astronaut status in 2008 and through 2011 he held various positions including Chief Medical Officer for Safety and Quality at St. Joseph's Healthcare Hamilton, Professor of Surgery Faculty of Health Sciences at McMaster and Director of the McMaster Centre for Medical Robotics.  From 2011 to 2017 he was President and CEO at Southlake Regional Health Centre in Newmarket Ontario, where he led a dynamic team of 4500 staff and volunteers dedicated to providing safe, high quality medical care to create the ultimate patient experience. He retired from Southlake and is currently consulting in the healthcare and aerospace sector, speaking, and writing. He has written four children's books and has published his memoir Defying Limits: Lessons From the Edge of the Universe with Simon and Schuster. He is currently working on 3 new books which should be available in 2021.He is a member of the Canadian Aviation Hall of Fame, has received five honourary degrees, numerous other awards and most recently was appointed to the Order of Canada and the Order of Ontario.Music:Chill Soul Rap Instrumental by Nkato https://soundcloud.com/nkato Creative Commons — Attribution 3.0 Unported— CC BY 3.0 Free Download / Stream: https://bit.ly/chill-soul-rap-instrum... Music promoted by Audio Library https://youtu.be/sdfcUBhRlgs

This was a super fun Instagram Live with superstar realtor Gemma Leggett.We talk about what's changed about selling your house during COVID, what's stayed the same and how to drive value up when you're selling but also how to drive value down when you're buying.Want the inside scoop? Check out this video. Don't forget to hit the like button, leave a comment and SUBSCRIBE!!!Find out more about TK Dale Wealth at tkdale.comVideo of the interview is on YouTube here: https://youtu.be/Y40vLUJjmAg

Happy New Year, TK Dale Wealth listeners! A new year is always an exciting prospect, and this could not be more true after 2020, so how can you make 2021 your best year yet? In this podcast, I cover one of my favourite topics: goal setting. We talk about using the 4 Pillars of Wealth to focus your financial goals, using positive and negative reinforcement to motivate you, and setting small milestones to achieve big goals!To receive the digital assets discussed in the podcast, send me an email at info@tkdale.comLet's talk about how to achieve your financial goals for 2021, book a consultation call with me at tkdale.com!If you found this podcast interesting, share it with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.*Not intended as advice, for educational purposes only. Always seek the help of a licensed professional prior to acting on any of this information. Forward looking statements may not come true nor can we guarantee results.

In this episode I go over some of the reasons for the strength in the November stock market as well as start along the path to understanding if you're wealthy.Find out more at tkdale.comIf you found this podcast interesting, share it with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.*Not intended as advice, for educational purposes only. Always seek the help of a licensed professional prior to acting on any of this information. Forward looking statements may not come true nor can we guarantee results.

You've been growing your realty business, making good money, and bringing in new clients - you may be wondering: what's next for my business? If incorporating has ever come to mind, this is the podcast for you. In this episode, I go over the major considerations when deciding whether to incorporate and the team that you should assemble to ensure your success.Find out more at tkdale.comIf you found this podcast interesting, share it with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.*Not intended as advice, for educational purposes only. Always seek the help of a licensed professional prior to acting on any of this information. Forward looking statements may not come true nor can we guarantee results.

This marks our 100th episode!!! October was an interesting month in the markets. It had a sharp rise followed by a sharp sell-off. It neared the U.S. presidential election and in this episode I talk about:Interest rates & your homeWhere's the jobs?US Election & stock market inflation???Covid-19 & stock market protecting your moneyFind out more at tkdale.comIf you found this podcast interesting, share it with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.*Not intended as advice, for educational purposes only. Always seek the help of a licensed professional prior to acting on any of this information. Forward looking statements may not come true nor can we guarantee results.

This is a special episode of the TK Dale Wealth Podcast! I'll be speaking with Michael Damazo, a member of the US Navy and a content creator that focuses on achieving financial freedom. Michael went from having $50,000 of debt to $750,000 of net worth in only 10 YEARS. Once he took control of his own finances, he built up his platform on YouTube to help people in the same situation. We talk actionable steps to identify your biggest spending waste (buying coffee may not be your biggest problem, despite what finance articles suggest) and to become the leader in your own life.This episode is all about finding strategies that work for you and taking responsibility for the future you want to create. It was great sharing experiences with someone who has also been in the military and speaking to a leader that is constantly helping others. If you found this podcast interesting, share it with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.

As if 2020 couldn’t get any crazier. The world was basically shut down due to a global pandemic, kids worldwide not attending in-person school, a hot button US election with the chances of the incumbent president likely to reject the results if he loses, and now the US President contracts COVID-19 along with the First Lady and many of his closest advisors. All that and more, including their financial impacts, will be discussed in this episode, including: - Stock market movements for September - Disney recently laying off 28,000 furloughed employees - Probability of the survival of restaurantsShare this podcast with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher. If you're looking for more information, check out our website at tkdale.com and book a consultation!

A new school year starts up and change is in the air. In this podcast, I give an overview of the major market moves of August and how this will have an effect on September's economy. Key topics include how COVID-19 and school re-opening, and how retail sales are affecting the markets.If you found this podcast interesting, share it with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.

Welcome to Resilient Minds 365 where we let you know that you can strive, thrive, and live a life of abundance despite your illness.  In this episode, Cleoni Crawford interviews Michael H Ballard of Resiliency for Life.   Michael Ballard is a native of King City, Ontario. A small town southwest of Newmarket Ontario, now residing in Toronto Canada. He attended College where he graduated having majoring in Marketing, or as he likes to call it “I learned more about persuasion.” His first career was in as a retail store installation coordinator opening new retail stores and renovating some existing stores. After 40 or plus stores, 88,000 miles he progressed into retail consultancy where he coached, trained and sold products and programs to assist his clients run profitable retail businesses for nine years He formed his consultancy business Resiliency for Life soon after leaving the retail consulting business. His work focuses on creating positive outcomes through consulting and training using the key resiliency factors that build positive people and outcomes. His work has been used with groups as diverse as Alberta Health Care, Corrections Canada, Government of Singapore, CMA Ontario, Foster Parent Society of Ontario, CanGrands, Canadian Professionals Sales Association, IBM, and Bell.   How to stay in touch with Michael Ballard: Instagram: https://www.instagram.com/michaelhballard/ Linkedin Business page: https://www.linkedin.com/company/resiliency-for-life/ Facebook Group: https://www.facebook.com/Resiliencyforlife/ Facebook Page: https://www.facebook.com/Resiliencyforlife/ Michael's sites: www.ResiliencyforLife.com www.MichaelHBallard.com   Stay connected with us online: Facebook: https://www.facebook.com/resilientminds365/ Instagram: https://www.instagram.com/resilientminds365/ Twitter: https://twitter.com/rminds365 YouTube: https://www.youtube.com/c/onlycleonitv Linkedin: https://www.linkedin.com/in/onlycleoni/  Website: https://www.resilientminds365.ca   Send questions and guest suggestions to resilientminds365@gmail.com.   Get my new books, The Music of My Life or 30+1 Resilient Stories on Amazon at www.cleonicrawford.com.  

You may have heard of an all-in-one mortgage before and its ability to help you pay off your mortgage up to 15 years faster. While this sounds like a great plan, it isn't right for everyone, and it's important to understand how it is set up before you open this type of account.In this podcast, my Business Development Associate Niklas will be explaining the pros and cons of an all-in-one mortgage. If this sounds like the account fro you, book a consultation with me at tkdale.com.If you found this podcast interesting, share it with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.

COVID-19 has surprisingly been an incentive for many people to retire earlier than expected, but this raises an important question: what will happen to my benefits? This podcast explores avenues for if your benefits extend into retirement or if they end with your employment, and also discusses retirement planning and the Manulife FollowMe plan.Share this podcast with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.To learn more, book a consultation at tkdale.com

2020 has been flying by, and as we enter the second half of the year, this is a great time to review the systems that have and have not been working in your life. As a Family CFO, my guiding principle is to monitor your finances like a business would, and that is exactly what a personal financial audit entails.In this podcast, my summer intern Sabrina explains the key components of a financial system and how you can audit your own systems to optimize the rest of the year.Share this podcast with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.For help with setting up your financial systems, book a consultation at tkdale.com

Life is complicated and busy, but this is no reason for your finances to be pushed to the side. By creating a financial plan, uncertainty can be eliminated and you can take active steps towards your goals.In this podcast, my summer intern Sabrina talks about the benefits of creating a financial plan, both in the short and long term.Share this podcast with a friend and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.To learn more, book a consultation at tkdale.com

When looking at finances, it is so easy to get bogged down in the details and look at our lives in segments. We keep our savings separate from our checking account which is separate from our mortgage, but this actually prevents you from seeing your finances and financial plan holistically. Ultimately, this keeps you from getting ahead.In this podcast, I talk about the benefit of considering your finances like a business's general ledger and how to plan ahead for greater efficiency.Listen to this podcast and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.To learn more, book a consultation at tkdale.com

I've had clients come to me after a period of investing on their own, ready to make a change. Some are happy to pass over the role of portfolio manager to me, while others are still interested in managing parts of their investments.In this podcast, I talk about how to manage a co-advising relationship. Co-advising gives you the freedom to live your life, without worrying about the performance of your portfolio every day, while still controlling a small portion of your assets. I explore what these relationships look like and the freedom it gives investors in the smaller assets they continue to invest on their own.Listen to this podcast and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.To learn more go to tkdale.com

As parents, we want what's best for our kids: we hope they'll grow up to be responsible, happy, and successful adults. For that to happen, kids need to have good financial skills, or at least a strong basis - and that's where we, as parents, come in.A study by Cambridge University found that kids' spending habits are being formed by age 7, so there is no better time than the present to teach your kids financial literacy. In this podcast, my summer intern Sabrina presents 3 essential financial skills that will set kids up for success and how to teach them.

We've all heard of the power of decluttering our spaces, but what about decluttering our financial statements and purchases? Financial minimalism means only spending on what truly brings you value to give you greater freedom in the future by saving.In this episode, my summer amazing intern Sabrina explains how financial minimalism works and how small changes can improve your financial future.You can pre-order an electronic copy of my new book "The Family CFO's Guide To Wealth Building" at TheFamilyCFO.ca

Trevor talks about some of the considerations for buying a cottage. What do you need to know in the buying stage with respect to permits and certificates?What's unique about getting a mortgage for the property?Tune in to find out more.

A CHIP Reverse mortgage is not for everyone. It is a perfect tool for some people though and most advisors should be aware of it so that should the situation arise.This is a very special episode with my summer student recording her first podcast!She did a great job in explaining how a CHIP reverse mortgage can be useful.Enjoy!

The FIRE movement seems a little extreme to me however what can I learn from it and can I implement some of those things in my life?I'm a married Canadian executive and I like to maintain a certain lifestyle. I'm not willing to sell my home and move my wife and two kids into a Tiny Home.In this episode I talk about my takeaways and things I can implement.Find out more at tkdale.com and socials are @tkdalewealth

Sam Reid is the keyboardist and one of the founders of the Grammy nominated and Juno winning band Glass Tiger.The band formed in Newmarket Ontario in 1981. They rose to fame in 1986 with their debut album Thin Red Line which went quadruple platinum in Canada and gold in the U.S. The album featured a few massive international and timeless hits like Don't forget Me (When I'm Gone) and Someday. Both songs were top 10 hits in the U.S and the album helped them win 3 Juno awards in 1986 for Album of the Year, Single of the Year (for Don't Forget Me (When I'm Gone) and Most Promising Band of the Year. The band won two more Juno's in 1987 and got a Grammy nomination for Best New Artist, which is kind of a big deal!Glass Tiger followed up with two more albums in 1988 and 1991 which were both certified platinum and included hits like I'm Still Searching and My Town which features Rod Stewart.The band went on hiatus in 1993 before being on-and-off again between 2003 and now. They released their 5th studio album called 31 in 2018 and 12 Juno nominations later, these iconic Canadian rockers are still touring to this day.

These are the principals that I use to decide which debts to payoff first and keep a good credit score. It doesn't matter whether we are in Covid-19 times or not. Here's how I look at dealing with credit.tkdale.com

Have you considered changing HOW you live? The bigger house, the maintenance, the stress? Have you considered selling your luxury home and buying a luxury condo?With the proximity to the lifestyle you love and none of the maintenance it can be a beautiful move for many. I know people that have moved from having the house with the pool in Mississauga to a condo with a pool downtown Toronto. They were spending all their free time in the city at shows and events anyways so why not move closer to the things that they love?In this episode I talk about the lifestyle, financing and options for downsizing luxury homes.

What does the Bible really have to say about our Free Moral Agency and the Sovereignty of God, meaning is God really in Control?

In this episode we speak to Dr. Sasan Haghighat from The Holistic Veterinarian Clinic in Newmarket Ontario. In this episode, Dr. Haghighat discusses the importance of feeding your dogs real food, the reasons behind making the switch and changes you can made today as a dog owner to improve your pup's health! Podcast hosted by: www.puppygangfreshfoods.com The Holistic Veterinarian Clinic:https://holistic-vet.ca/about-us/

Recently featured on the Sonic Society on Sunday Showcase in two parts back in October the full version is available only here on Wednesday Wonders on Mutual. This live feature of Ace explores theft of the backup copy of the Giant Book of Destiny. Space Dick Ace Galaksi and his shape changing ship, Phoenix have 24 hours to locate it before Destiny itself is re-written. Space Dick At Large was recorded in front of a live audience during the Newmarket Festival of One Act Plays in Newmarket Ontario, October 2017.

Recently featured on the Sonic Society on Sunday Showcase in two parts back in October the full version is available only here on Wednesday Wonders on Mutual. This live feature of Ace explores theft of the backup copy of the Giant Book of Destiny. Space Dick Ace Galaksi and his shape changing ship, Phoenix have 24 hours to locate it before Destiny itself is re-written. Space Dick At Large was recorded in front of a live audience during the Newmarket Festival of One Act Plays in Newmarket Ontario, October 2017. Learn more about your ad choices. Visit megaphone.fm/adchoices

Let's start this conversation with as of October 17, 2019 that US and Canadian central bank interest rates are below 2%. This is known as the risk free rate.Premiums are built on top of this.Liquidity, credit risk, volatility in revenue, tenure, experience, time, country, industry and other types of risk will cause the required compensated return to go up.I start the conversation with the rule of thumb that over the last 100 years stocks have historically returned around a 6% return before fees.Presumably things with less risk will have a lower return and things with a higher risk will have a higher return.You can take a lower risk asset, add leverage and get a higher return in some cases but now you've added risk.Let's never forget that your ability to save money is the single greatest contributor to your ability to grow your wealth.My job comes in the form of optimizing and helping you use that money to make more money.In this podcast I look at stocks, bonds, cash, real estate, alternate investing such as hedge funds, private lending, participating whole life policies, your own company and yourself.The point is that you should look at each of your options and make a non-emotional decision.If you run a company you are a special case and I get into that in this podcast.Check out more episodes like this on Apple Podcast, Google Podcast, Spotify, Stitcher and tkdale.comDon't forget to subscribe!

I had a friend of mine pass away last week.I sat next to him at work every day for 7 years. I miss him very much and I'm saddened by the family he left behind and how they must feel.I always try to impart some positivity when I go to a funeral or viewing and I told his wife that he made me laugh every single day. He was very funny and always had a crazy story to tell.I can't help but reflect on how death is an eventuality for all of us.It makes me think about life insurance which leads me to strategies which left me with the life lesson:Death Does Not Freeze UsIt made me stop and reflect. My thoughts were occupied for a couple of days and then I started to move better again.Join me in this podcast on Apple Podcast, Google Podcast, Spotify, Stitcher and tkdale.com

When it comes to wealth management, it is more than just delivering products and providing good service. It is about understanding someone's entire situation and putting the pieces of the puzzle together.How does someone's life fit with their investments, life insurance, mortgage, other assets like cottages or rental properties, kids and aging parents? These are all variables to factor in and consider when structuring a plan for a client.In this episode we talk about setting targets, newsworthy items, economic data and how this translates into my current playbook.A full writeup can be found at tkdale.com/podcast

Host Trevor Dale, Founder of TK Dale Wealth Management and Creator of MillionDollarMortgage.com, talks about how many veterans in business talk about how using debt is a bad thing.The thing they don't tell you is that they themselves likely used debt and a lot of it. They probably took themselves right to the edge and risked everything and that pain they have is shaping their advice to you.It's like telling a developing country not to use coal power plants when they are the cheapest although dirtiest methods of providing power to their citizens. They are in a difficult spot... they can't afford the more expensive and cleaner options but still want to grow their infrastructure, provide a better living standard for their citizens and create more industry which will allow them to find cleaner methods later.It's easy for a developed country to tell them that they shouldn't use coal but they themselves did and the developing country doesn't have many other choices.To grow or not to grow.So what's the take away?Be conscious of the debt that you take on, have a purpose and an expected return by utilizing that debt. Make sure it is only on productive items and not consumables or discretionary spending like restaurants.Also have a backup plan. Can you sell an asset to pay off the debt if it becomes too heavy? Can you make interest only payments like an interest only mortgage or line of credit?How can you reduce your cash flows and cash burn rate while at the same time increasing your revenues?Think about this all the time and do regular reviews. I review my finances weekly......KNOW YOUR NUMBERS.Make big moves and go after it.In the podcast I talk about rentals and starting your own business.Subscribe on Apple Podcast, Spotify, Google Play and Stitcher.For more information go to tkdale.com/podcast

Host Trevor Dale talks about when to use a TFSA, Tax Free Savings Account.There are three primary considerations which are your debt, RRSP room available and expected retirement income.I talk about a strategy of how to more efficiently use your savings to reduce your borrowing costs.Plus I give on strategy when a TFSA could be used as a holding account for future RRSP contributions.Podcast available on iTunes, Spotify, Google Play and Stitcher.For a full writeup go to tkdale.com or https://tkdale.com/2019/09/12/when-to-use-a-tfsa/

US and Canadian markets were flat but intra-month there was a lot of movement and with different sectors there continues to be changes of leadership.This speaks to two things. One is the benefit of holding a diversified portfolio. Second is the benefit of using a cash flow based asset allocation.The cash flow based asset allocation that I deploy with all my clients ensures that we have 3-7 years of cash flow in bonds and fixed income investments - that is the foundation of the portfolio... more below.In this newsletter I will cover:Continuation of investment strategiesMarket overviewCase study on investments, retirement planning and taxesOverview of recent podcasts - Just hit 50 podcasts!!!For the full write up go to tkdale.com/podcastSubscribe on iTunes, Spotify, Google Play and StitcherVideo on YouTube and posted on tkdale.com/podcast

Host Trevor Dale talks about negative interest rate mortgages. It is well known that interest rates and consequently mortgage rates in Canada are historically low.If I had to guess five years ago where interest rates would have been today I would have guessed that they would have been much higher.Never would I have imagined that we would be seeing the world's first NEGATIVE interest rate mortgages.In Denmark I last read that there was a lender issuing mortgages at -0.5%. This means that when you get take out a mortgage that you will pay back less than you originally borrowed.The principle + interest that we traditionally pay is now principle MINUS interest.The equation changes and things are different.But what does this mean for mortgages and housing?This means that people are incentivized to take out the biggest mortgage that they can get because they will pay back less than they borrowed.This is stimulus. This is encouraging borrowing and likely real estate purchases.This is great until the buying stops and house prices drop.Like all things there are benefits and risks. Positive and negative. Pros and cons.Will we see negative interest rates in Canada? Not in the near future but who knows long term where rates are going.Interest rates across the world are slowing falling and negative interest rates are a product of that.While a recession or falling inflation could spur more rate cuts I am optimistic and believe that as humans always do, we evolve and innovate over the long term.While new technologies make the cost of products cheaper, we are simultaneously becoming more productive. This is changing the way we measure inflation as many things are getting more expensive while others are getting cheaper.The take away: keep long term trends in mind and remember that we are in a historically low interest rate environment. See if it makes sense economically and be mindful of the potential risks to mitigate where possible.

This is a major topic and without accountability why would you be incentivized to continue through.I talk about some of the mechanisms that I use to keep myself accountable and some methods that you can utilize.Enjoy!

I am thrilled to have Jess Sherman as a guest, she is Registered Holistic Nutritionist and a Family Health Expert. Jess has taught me tonnes about what needs to be done with our children in order to help them build better physical and mental resilience by educating them about how to use food as their ally. Better resilience means better growth, better learning and mental wellness along with reducing symptoms of digestive issues, inflammation, anxiety, aggression, cognitive issues, ADHD and Autism. This episode is filled with information about the special bond between food, resilience and all the above mentioned diagnoses.   Here are the amazing topics Jess and I discuss during this episode: ● Jess talks about her journey from Teacher to Nutritionist. ● The massive gap in the education system. ● The importance of community. ● The purpose of the Resilience Roadmap Program. ● The four pillars of resilience health. ● The gut-brain connection. ● The impact of the environment. ● Stress as a game changer for health. ● Tangible things every parent can do. ● Simplify, nourish and connect. ● Drop the guilt, you can't do it all as a parent. ● Nourishment. ● The picky eater situation. ● It is not only about the food but about the resilience of the body ● The power of castor oil. ● What to do if your child is constipated. I hope this episode helps you realize about the importance of community, connection and nourishment, and that the way to achieve these goals is just by going back to basics. Wishing more simplicity and ease in all that you do! You can connect to this episode on iTunes, Spotify or Stitcher by searching The Simplicity Sessions, or visiting www.jennpike.com/episode48  Learn more about Jess Sherman: Jess is a former teacher, a Registered Holistic Nutritionist and a Family Health Expert, specializing in brain health & resilience for kids. For over 10 years she has worked alongside Naturopathic and Medical Doctors, Family Counsellors & Psychologists, Occupational Therapists, teachers and parents to help kids calm down, learn better, have better sleep, have better poops, enjoy more stable moods and get over their picky eating. Her book, Raising Resilience, and her online resources have helped families all over the world to improve the lives of their children with learning differences, anxiety, ADHD, autism and mood disorders. As a parent and advocate for children's health, she is working to bring an understanding of the power of good nutrition, simplicity and connection into mainstream conversation about children's mental health, learning, and resilience.  Email Jess at info@jesssherman.com  Jess Sherman  Visit the Resource Gallery Jess Sherman on Instagram Jess Sherman on Facebook  Join the Free Facebook Group: Raising Resiliency  Raising Resiliency: Take the stress out of feeding your family and love your life, Jenn Sherman  Online working with Jenn: To register for my signature program The Hormone Project and work with me 1:1 to support your health, hormones and more, please join the waitlist at www.jennpike.com/thehormoneproject    Learn more about our amazing sponsors  Today I am having sparkling water with Saint Francis Herb Farm Ginger Tincture in it. Ginger is fantastic for any kind of stomach upset and it is also great before you have a meal. Create a more simple life with Saint Francis Herb Farm products, You can order through Pure Feast, use the promo code SAINTFRANCIS10 and save 10% off all of your purchases.  We cannot heal anything without taking care of our gut health. There are many microbiomes in our bodies, in our skin, guts and even a vaginal microbiome. If you are dealing with a lot of urinary tract and yeast infections, Genuine Health offers a shelf stable probiotic dedicated specially for women and it is called the Women's Advanced Gut Health Probiotic. Order any product at Genuine Health use the promo code JENNPIKE and save 10% off all of your purchases.  Learn more about Jenn’s work: Jenn Pike Ignite your Life with Jenn Pike The Hormone Project The Simplicity Project Shop for books, DVDs, programs and much more! http://www.jennpike.com/ Simplicity TV on Youtube Join The Simplicity Project Live at The Newmarket Ontario, Nature’s Emporium Store on September 25th. Synced is a program based on the four phases of our menstrual cycle and the four phases of the Lunar cycle that will be launched on September 21st. Quotes:  “We were not taught about how to feed our children.” “It has never been more important than now for children to learn about nutrition.” “You can't do it all as a parent.” “Make time for meals with your children.” “A positive relationship with food will last a lifetime.” “It is not only about the food is about the resilience of the body.” Additional Information About Jenn: Jenn studied and graduated with honors in Human Anatomy and Physiology with such a passion that it propelled her to continue her education over many years. Jenn is a Registered Holistic Nutritionist, Medical Exercise Specialist, Registered Yoga Instructor and Faculty of the Toronto Yoga Conference, Pre & Post Natal Yoga Expert, STOTT Pilates trained instructor, Twist Sport Conditioning Coach, Spin Instructor Crossfit Level 1 Coaching, among other certifications she got along the way. She is also a guest Holistic Expert for Breakfast Television, Global, CHCH, Rogers Tv and writes columns for STRONG Fitness Magazine, iRun magazine, Savvy Mom and contributes to Inside Fitness Magazine, The Toronto Star and Sun. She is also a proud educator and ambassador to Genuine Health, Nature’s Emporium and Juice Plus. Jenn is a proud mama to two beautiful souls and her best teachers of life. She resides on Lake Simcoe in Keswick with her husband and two children.   

I can’t stress enough how getting to know your numbers is crucial. There are neither good nor bad numbers... they are just numbers. Are they what you want them to be?Either way, always be trying to increase your revenue. Are you employed?Connect with people on LinkedIn regularly. Post something on LinkedIn. Go out to lunch with someone from your industry. When was the last time you took a course to improve your skills and make you more marketable?Don’t hide behind age or time limitations. If it suits your company they will fire you if they choose. Stay ready and be on the offence. You are a business just like the one you work for. Work to take care of yourself and provide an economic moat. tkdale.com#financialfreedom #jobsearch#makingmoney #retire#financialadvisor #mortgage #family#putyourselffirst

Annuities are something that people know are out there, may know a little about the basic framework but don’t know much more than that.Let’s dive into them for a moment before we go into:Recap of podcastsAnnuitiesMarket overviewUsing segregated funds for creditor protectionWe used to give negative equity mortgages not that long ago - we’re still really closeRecap of Podcasts: tkdale.com/podcastIntroduction of MillionDollarMortgage.com - Check out the bio film about me on the website!Leaning on resources - how to move quickly and bring in other team members to your finances.Estate planning and your portfolioReal Estate OpportunityIndividual Stocks vs FundsHedge Fund Strategies: Market NeutralHedge Fund Strategies: Merger ArbitrageAnnuities:Annuities are an insurance product that guarantees a stream of cash flows.Basically you pay a lump sum once upfront and then the insurance company will pay a predetermined amount every month. There are annuities which you can pay into over a number of years but we’ll use the lump sum version in this illustration.Your age and gender is a factor and if it is joint with your spouse their age and gender will be a determining factor too. These variables will affect how much income you can generate from the upfront payment (called a premium). The older you are, the less time the insurance company will have to pay the funds and as a result will provide more beneficial rates. This reduces their risk.Should you invest all of your money in an annuity? Usually no.Financial planning would dictate that you would use an annuity to cover off your required expenses. This acts like a bond portfolio.Growth and inflation can be factored in through a holding of stocks. If you want the estate benefits of an insurance policy then segregated funds might be a good way to go however if that is not a concern, and neither is creditor protection, then the growth and inflation can be gained through other avenues such as direct holdings in stocks, ETF’s and mutual funds.Will you lose all of your money if you die? You can often set up a survivor with an annuity and also have a death benefit so that remaining funds will be paid to a beneficiary.Do you have questions about annuities? Give me a call.Market Overview:The tale of two markets continues with the Canadian TSX (up 0.15% in July) lagging the US S&P500 (up 1.31% in July). Both markets had sell-offs on the last trading day which suppressed returns for the month. Economically speaking the data this month continued to push the importance of a US strategy.Major concerns remain to be trade uncertainty and tariffs that may hit corporate earnings more and that it causes business investment to continue to hold back. Corporate expected earnings had been adjusted downward and as companies continue to report, many are beating the lower bar that has been set for them. Many of the trade uncertainties have been priced in until a newsworthy event moves the markets.This month the US Central bank lowered rates as expected by 0.25% as an insurance policy against soft international economics but indicated that it was happy with the progr

Over the last couple of days I've had numerous conversations about people buying raw land and building on it or just enjoying it.tkdale.com/podcast

Trevor Dale, founder of TK Dale Wealth Management, talks about how people are constantly looking for a newer, better, alternate future.In doing so they give up what they worked so hard for and lack the commitment to make things happen that are truly on the verge of success. Yet the same relationship that they are going through divorce, the weight loss program that they say doesn't work and the financial plan that they are giving up on is the same characteristic. In essence they are giving up on themselves.It is said that how we do one thing is how we do everything.For years, my neighbors' lawns have looked better than mine. Why? Because I didn't care. I don't want a lawn and I don't put in the effort. It shows. It is a reflection of my commitment to an amazing lawn and there are other areas of my life that this happens too. My wife says that I have two speeds: idle and 200%. When I move, I move fast.This weekend I got in 4 yards of soil, seeded the entire lawn in a major way and pulled out EVERY-LAST-WEED in that lawn. EVERY-SINGLE-WEED. For hours I declared war on my lawn and it hurts. I have the sore muscles and sunburn as evidence. War scars.Very soon, I will have the best and greenest lawn on the street. No longer will I look on the other side to see a greener lawn. I put in the work to my own lawn and I will have the greenest.The grass is greener where you put in the work.The difference is that when it comes to money so many people treat their bank accounts the way I treat my lawn.I did too. I didn't worry about how much I was saving and went on the defense thinking that my savings levels were adequate but not knowing what they meant in the grand scheme of things.I didn't coordinate with my wife on our financial plan... or lack thereof. I was uncertain and insecure of what retirement would look like.The grass was greener on the side.Then I got serious about things. I started to build a future plan. I got a better understanding of what things meant. I consulted professionals. I watched my spending. I reduced my expenses by $1,000 per month. That's right, $1,000 per month. That's almost $20,000 of pre-tax earnings per year.It allowed me to save enough to start this company, it reduced my cash burn so that I had a long runway and it gave me clarity on where my money was going.I felt good about my finances as I put myself in the position to live my dreams by running my own wealth management company.My wife and I were coordinated and on the same page. We were unified because I had clarity and understanding. This new found control brought benefits all over my life.It was because I had put in the work. I put in the and no longer was the grass greener on the other side. It was greener where I put in the work.

Trevor Dale talks about the advantages of various types of mortgages as they relate to a medium size business owner.Should she go with a home equity line of credit, an interest only mortgage or a regular principle and interest payment mortgage?Listen for details and subscribe!

In this episode host Trevor Dale and lawyer Mark Epstein discuss the many facets of real estate law as it pertains to buying both new construction and pre-existing homes. The real gem from this conversation is how it spans the different areas from real estate law to family law to wills and estates, to inheritance and so much more.This was one of the most fascinating conversations that I've had on the topic and I'm glad that I was able to capture it for you.

Shadow banking in Canada is rarely talked about. However, given the B20 rule changes, we are starting to see some of the affects on the Canadian economy. As a positive, the Canadian banks are having better mortgages on their books than if they were qualifying people at the contract rate. As a consequence of this happening, the alternate and private sector is picking up deals that these banks no longer do. This is pushing a major growth in the private and alternate lending space. Trevor talks about history and leverage in the US prior to the credit crisis and where Canada is today. He talks about the affects and how it is affecting his investment strategy and also his mortgage strategy. Enjoy this insightful episode!

In this episode, Trevor talks about whether to go fixed or variable on your mortgage and some of the considerations that should happen... They likely aren't what you would expect.Please note that all mortgage discussions are provided by Trevor Dale, who is registered as a mortgage agent under iBridge Capital number 13056.

Yes, I'm Back! I missed recording but I am ready to roll but... I got lots to say and I give you an update of what's happening and the new shows I'm into. Thank you to my Guests: Liz and Logan From the The Mindful Project: https://www.facebook.com/TheMindfulProjectExhibit/ Follow Elizabeth on Instagram: @lizcarolineart Website: www.lizcaroline.com 3rd Annual Exhibition of Roots Routes Everything, in Newmarket Ontario. on April 13, from 4:00pm-6:30pm but the show runs from April 5 to May 15, 2019 Address is: at the Old Town Hall, Serpa Galleries (460 Botsford Street), New Market Jay From Jay Fitness: www.jayfitness.ca Instagram: @jayfitnessinsta Facebook: https://www.facebook.com/jam3s007 Thank you to KC Gonzalez: Instagram: @pork.and.wine Youtube: sundaybravenj.com| youtube.com/porkandwine Podcast: Chef-Salty Pork https://anchor.fm/chef-salty-pork/episodes/its-all-about-attitude-e3h0ts Thank you David: Instagram: @pirpodcast Facebook Page: https://www.facebook.com/pirpodcast/ Podcast: Preception is Reality https://anchor.fm/perceptionisreality Thank you Erin Martin: Twitter: @erinleahmartin Podcast: Pink Shade With Erin Martin https://www.pinkshadewitherinmartin.com Thank you Na'ilahs: Podcast: Greener Thoughts Podcast https://anchor.fm/greenerthoughtspodcast Don't forget to Rate and Subscribe! Link and Follow on Instagram and Facebook: @alittlebitofeverythingwithme Website: www.angevg.wix.com/angelica --- Send in a voice message: https://anchor.fm/everythingwithange/message Support this podcast: https://anchor.fm/everythingwithange/support

This interview is with Michele Caranci, a realtor with Right at Home Realty covering most of Ontario. She’s sold everything from single family homes, to cottages, condos and assignments on new build homes.Full video can be found at: https://tkdale.com/2019/04/10/realtor-michele-caranci/My two biggest take aways from the conversation are:Take actionGet help from someone to narrow your time and stress (it doesn’t have to cost anything)Make sure that the person helping you is a good fit for your goalMichele has two university degrees and was raised in a real estate environment. As a child, rather than playing “eye spy” she played “guess the value of the house”.Her mom is a realtor and she works with her. She loves this because she gets to spend time with her mom while she works. Together they make The Jewel Home Team.My biggest take away is that for anyone buying a home for the first time or even if you haven’t moved in a while you can do two things to remove the stress. First is to ask for help from a professional who knows the market, the rules, the procedures and your likes. Second is to find a professional that is a fit for you.I can’t stress this enough. If there is a fit of personality then things will most likely go well because of an enhanced level of communication. That in turn will work out to better advice which will save you time, stress and frustration.One overarching theme of this interview is to take action. I see so many people dream and never act. I live a life that when I get clear on what I want, then I go for it. Why wait? Have the discussions, explore and make a decision. It’s better to come to an understanding and make a decision quickly than to avoid it and not getting what you want. Take Action.Michele uses the analogy of going through the mountain and not around it. Don’t take the long way around. Take the efficient way to the other side.This means that once you’ve decided that moving may be in your future then explore it and explore with the help of a professional. Make sure that there’s a fit and move forward to make that desire a reality.Michele’s blend of listening and understanding is what sets her apart. She really takes the time to understand what you are thinking.Michele has a unique approach to selling real estate. She previews all the homes in the area when they come on the market so that when she talks with her clients she can quickly cut out houses that don’t fit. This is a big time saver.When my wife and I bought our first house we viewed around 30 houses and we felt overwhelmed, stressed and couldn’t remember what was different from #17 to #27. They all started to blend together. I’m a big fan of having a realtor get to know me and my preferences so that I only view the most likely properties. It saves me time and stress.One thing you won’t find in the interview is that she has a certificate in Geographic Information Systems. Basically this is mixing data with a physical environment and helped York Region develop plans in 3D.I hope you find this interview interesting and helpful.We did the interview at the Right at Home Realty office at 16850 Yonge St., Newmarket which is a beautiful new office with lots of room to meet. It’s also accessible being just north of Mulock.A big thank you Michele for being on the show and the Right at Home Realty office in Newmarket for filming on location. Michele can be found online at:Website: http://www.thejewelhome.ca/Facebook: https://www.facebook.com/mcaranci3Instagram: https://www.instagram.com/michelethejewel

Episode 17 - I am so happy I reconnected with a an old friend from high school she an amazing talented artist and creator and founder of The Mindful Project. Her co-partner joins us and they both are doing such amazing things and they are going to conquer and achieve greatness. I learn about there passion about Art and there journey with The Mindful Project. Don't want to miss this episode because its going to be a moving one! Follow Elizabeth on Instagram: @lizcarolineart Website: www.lizcaroline.com 3rd Annual Exhibition of Roots Routes Everything, in Newmarket Ontario. on April 13, from 4:00pm-6:30pm but the show runs from April 5 to May 15, 2019 Address is: at the Old Town Hall, Serpa Galleries (460 Botsford Street), New Market Don't forget to Rate and Subscribe! Link and Follow on Instagram and Facebook: @alittlebitofeverythingwithme Website: www.angevg.wix.com/angelica "Sneaky Snitch" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/b... Music promoted by Audio Library https://youtu.be/7-rXQALDv-4 Feel Good by MBB https://soundcloud.com/mbbofficial Creative Commons — Attribution-ShareAlike 3.0 Unported — CC BY-SA 3.0 http://creativecommons.org/licenses/b... Music provided by Music for Creators https://youtu.be/whfgr3En_24 --- Send in a voice message: https://anchor.fm/everythingwithange/message Support this podcast: https://anchor.fm/everythingwithange/support

Summary Little things can make a big difference in how you show up in your practice. If you want to provide the best care for your patients, take care of yourself first. Getting sufficient restful sleep, slowing down, and replenishing your energy will help you deliver high-quality care and more closely align with what you want your practice to reflect. Today, we welcome Dr. Laura Foster who practices in Newmarket Ontario. Her 20-year Chiropractic career started at Palmer College of Chiropractic and through determination and grassroots efforts she created a successful family practice. In addition, she facilitates wellness retreats in mind-blowingly peaceful destinations like Costa Rica and Rock Mountain in British Columbia. During this episode, Dr. Foster shares how she knew Chiropractic was the only practice for her, her experience with the Chiropractic Leadership Alliance, and how she staves off burn out through self-care. Key Takeaways: After an injury during medical school, Laura ‘found’ Chiropractic more welcoming than the sanitized hospital environment. [1:24] The importance of being able to shift the way you think about Chiropractic. [6:16] Dr. Foster realized the importance of getting adjustments and keeping herself well during her apprenticeship as she served a large number of patients. [9:05] Dr. Foster shares her experience with the Chiropractic Leadership Alliance Program. [15:37] Getting out of the office and knocking on doors was the key to Dr. Foster growing her business. [18:35] How to turn desperation energy or burn out into a success story. [25:59] Dr. Foster created Soul Inspired Retreats to blend her love of serving people with her love of travel. [35:40] Learn More: Dr. Laura Foster Retreats & More Foster Family Chiropractic Chiropractic Leadership Alliance Program The Shift Unplugged Seminar — Gold Coast June 2019 Dr. Don McDonald The Underdog Curse: The Cause, The Cure and The Road to Success @DrDonMacDonald on Twitter Dr. Don MacDonald on Facebook

Tim Oxford is the drummer in the band "Arkells" though originally from Newmarket Ontario, Tim joined the Hamilton based band ten years ago. "Arkells" won a Juno award in 2010 for new group of the year and won their second Juno last year for rock album of the year. Both critically acclaimed and adored by fans everywhere, Arkells have really stepped up the game with their new release set for this summer entitled "Morning Report". Check them out playing somewhere soon!! In the podcast we talk about music, the both good and bad parts of being on a major record label and gave el cheapo movers a plug from Tim's condo patio! Brought to you in part by Audible.com. Go to www.audibletrial.com/apologue and sign up to receive a free download from over 180,000 audiobook titles. Shop with amazon.ca, amazon.com and amazon.co.uk  Bookmark the link and support the show!! Pledge monthly with Patreon https://www.patreon.com/apologue Shop Apologue products at http://apologue.ca/shop/ Also brought to you by www.insightrecorders.com for your online mixing, marketing and recording needs