Podcasts about ratehub

The Bank of Canada made a call on interest rates this week - but the market is making its own call on rates that will affect the debt most of us pay. Amanda Lang speaks with Penelope Graham, Director of Content at Ratehub.

WELCOME TO THE MWSA PODCAST FOR WEDNESDAY, JAN 29TH For the 6th consecutive time, the Bank of Canada has cut interest rates – as the inflation rate remains around 2-percent, and the threat of US Tariffs Loom. We took a look at the latest rate reduction – and the impact it will have on Canadian homeowners – with Penelope Graham, Mortgage Expert at ‘Ratehub.ca'. Next – the latest ‘Green Line LRT' plan has been ‘green lit' by City Council. This final plan was the latest put forth by the Provincial UCP Government – which came with some not so glowing remarks surrounding former Calgary Mayor – and current NDP Leader, Naheed Nenshi. We caught up with Mr. Nenshi to get his views on the plan – and reaction to having his name attached to the controversial project. And finally – she's all about the newest, latest and greatest offerings on Calgary's culinary ‘scene'. Linda Garson is Editor-in-Chief of “Culinaire Magazine” – we ‘flip through' the pages of the latest edition – which features our love of Java – and the growing popularity of miso soup among Calgary foodies.

After looking back at the year that was for Canada’s economy, Amanda Lang checks in with Benjamin Tal, Deputy Chief Economist with CIBC for his thoughts on what the advent of a second Trump administration might mean for businesses and consumers next year Amanda Lang checks in with Goldy Hyder, President & CEO of the Business Council of Canada for a read on what the business community thinks about the outlook for 2025. Donald Trump’s policies loom large and will likely bring some uncertainty, but opportunities abound for businesses. Next, Amanda Lang speaks with Lana Payne, President of Unifor, for her take on what the year ahead looks like for workers and organized labour after a tumultuous 2024. Amanda Lang speaks with Penelope Graham, Director of Content at Ratehub.ca for her thoughts on where the Bank of Canada is in its rate cycle, and what it means for consumers. And in her Takeaway, Amanda Lang says while it’s hard to argue with the performance of bitcoin this year, but from an investment perspective it’s as risky and volatile as ever, so buyer beware.

Penelope Graham, Mortgage Expert with RateHub.ca

WELCOME TO THE MWSA PODCAST FOR WEDNESDAY, DEC. 11TH ‘Communities First' is its name…and it's a new group made up of a handful of Calgary city Councilors who want to, as they describe, “restore confidence in Calgary City Hall”. We learn more about the group from one of its founding members, Ward 1 Councilor – Sonya Sharp. Next – the final ‘Bank of Canada' rate announcement of the year came down on Wednesday morning – and the Bank announced a half-point drop in its key lending rate. So, what's this move mean for Canadian homeowners – and those looking at getting into the housing market? We discuss with Penelope Graham, Mortgage Expert with RateHub dot ca. And finally - Canada Sports Hall of Famer, Father David Bauer is being recognized by a local Professor. We speak with Dr. Matt Hoven – who penned the book “Hockey Priest” – which shines the spotlight on the influence Bauer had on our nation's favourite Sport – including the impact the Father had on the National Hockey League.

Welcome to the MWSA podcast for Thursday October 17, 2024   This is Secret Path Week in support of the Downie/Wenjack Fund, and today is also the anniversary of the passing of Tragically Hip frontman Gord Downie. To talk about the importance of this day and the continuing path towards reconciliation, we invited Paul Kuster to join the conversation. Paul is a comedian, former broadcaster and indigenous activist.   Is your bank taking steps to protect your data and your money from cyber attacks? October is Cybersecurity Awareness Month, and according to a new survey more than three quarters of Canadians are concerned about their security when banking online. We dug into the topic with Kevin Dawson, President & CEO of ISA Cybersecurity   And stores like Walmart and Costco already have their holiday and Christmas displays up! If we start our Christmas shopping early is that better for our bank accounts and credit card balances – or is it more dangerous? We discuss with Natasha Macmillan, Director of Everyday Banking at Ratehub.ca.

From Canadian inflation to the latest decision on interest rates, Amanda Lang breaks down the news of the week in The Briefs. And we hear from with Penelope Graham, a mortgage expert with Ratehub.ca to see if new 30-year mortgage rules designed to help first time buyers get into the market will actually make affordability worse.

Earlier this week Ukraine hit Russia with a massive drone attack on a ‘key' military depot. How will Russia respond to the attack and what does this mean for the ongoing ‘ceasefire' talks? We get the thoughts of Elliot Tepper, Professor of Political Science and International Affairs at Carleton University. The Federal Government is calling it “The Boldest Mortgage Reforms in Decades.” What do the newly-announced mortgage reforms look like and what impact could they have on you? We get details from Penelope Graham, mortgage expert at Ratehub [dot] ca. Finally, over 47-hundred Canadian men died from prostate cancer in 2022, that's nearly 13 men per day! September is ‘Prostate Cancer Awareness Month'. We took the opportunity to learn more about the disease from Chris Fairlie, who also shares his personal experience as a Prostate Cancer Survivor.

Penelope Graham is the director of content at RateHub.ca  Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Scott & Kat are talking about the latest ploy by employers to get WFH staff back in the office. We also discuss the catering menu on one of Justin Trudeau's recent flights and his latest polling numbers. RateHub.ca has calculated how much more money you need to earn each time house prices rise. Hear all about it in today's After 9. And finally ... the big name celebrities that were jamming out with Kendrick Lamar last night might be of concern for Drake. Learn more about your ad choices. Visit megaphone.fm/adchoices

Owning a car can be expensive but one cost you may not expect is when your auto insurance premium suddenly rises without you knowing the reason. Breaking down the rates of auto insurance is Matt Hands, VP of Insurance at Ratehub.ca. Find out more at ratehub.ca and connect on Facebook and X.

How do the pros invest their own retirement savings? Certified Financial Analyst Barbara Stewart tells us about her latest research and what she learned. Then, how to be convincing. Former FBI hostage negotiator Chip Massey and Crisis PR consultant Adele Gambardella take us through their book CONVINCE ME: High-Stakes Negotiation Tactics to Get Results in Any Business Situation. And, why your auto insurance premium could be going up and what you can do about it.  Matt Hands, VP of Insurance at Ratehub.ca, shares his insights.  Plus, we'll speak with William Breton, VP and COO of Medicard, about financing cosmetic surgery. To find out more about the guests check out: Convincing Company: convincingcompany.com Chip Massey: LinkedIn Adele Gambardella: LinkedIn Matt Hands: ca | Facebook | X Barbara Stewart: ratehub.ca | Instagram | X | LinkedIn | Facebook William Breton: medicard.com | Instagram | X | Facebook Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

The latest affordability analysis from Ratehub.ca finds that it became HARDER to buy a home in the month of April. Everything you need to know about drinking and biking! White Rock council is delaying the installation of a pier accessibility mat. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Hamilton Today Podcast with Scott Thompson: 70 years ago saw Bill Haley “Rock Around the Clock”. Vinyl is back? LIUNA Gardens development rejected, and residents couldn't be happier. Bill Maher says Canada's “Extreme wokeness” is a ‘cautionary tale' for America. We discuss the threat of foreign interference in Canadian politics, and the tactics of division. Israel's war cabinet meets following Iran's attack over the weekend. Certain vehicles frequently stolen? Your insurance is going to be high. It is all coming up on the Hamilton Today Podcast! Guests: Alan Cross, music historian, host of The Ongoing History of New Music. Joshua Greenberg, Professor with the School of Journalism and Communication at Carleton University. Muhammad Ali, Vice President with Crestview Strategies. Jeff Beattie, Ward 10 Councillor, City of Hamilton. Elissa Freeman, PR and Pop Culture Expert. Christian Leuprecht, Professor at both the Royal Military College of Canada and Queen's University, and a Fellow at the Macdonald Laurier Institute; author of the new book ‘Security. Cooperation. Governance. The Canada-United States Open Border Paradox' from the University of Michigan Press. Elliot Tepper, Emeritus Professor of Political Science with Carleton University. Matt Hands, Vice President of Insurance for RateHub.ca. Scott Radley, host of the Scott Radley show and columnist with the Hamilton Spectator. Host – Scott Thompson Content Producer – Jordan Armenise Technical/Podcast Producer – Tom McKay Podcast Co-Producer – Tom Craig News Anchor – Dave Woodard & Jen McQueen Want to keep up with what happened in Hamilton Today? Subscribe to the podcast! https://megaphone.link/CORU8835115919

In this episode of Strictly Money, host Saijal Patel and Ratehub.ca's Natasha Macmillan discuss a recent report comparing banking fees in Canada to those in the U.K. and Australia. Discover the startling discrepancies in fees for basic banking services and explore how they impact the everyday consumer. From monthly account fees to non-sufficient funds charges, learn why Canadians are paying more and what solutions might exist to alleviate the burden.------------------⏰Timestamps: 00:00 - 03:15: Introduction to banking fees in Canada03:15 - 06:12: Truths about Monthly fees and minimum balances06:12 - 09:27: How ATM cash withdrawal fees work09:27 - 12:44: Factors contributing to high fees in Canada12:44 - 15:54: Government initiatives vs other countries15:54 - 18:57: Bundling banking products18:57 - 21:56: What is Open Banking and how does it work 21:56 - 27:03: Importance of credit card choice-------------GUEST LINKS & RESOURCES: https://www.ratehub.caMore about open bankingLEARN MORE ABOUT BMO ETFS (SPONSOR)-------------------------Saijal Patel, CFA, is a former CNBC and BNN journalist and passionate financial wellness advocate. She's bringing Strictly Money directly to you via YouTube, Apple Podcasts, Spotify and where ever you get your podcasts.Connect on LinkedIn: https://www.linkedin.com/company/saij-elle/Follow on X: https://twitter.com/strictlymoneytvGet in touch: https://saijelle.com/contact-us/Join Saij Elle's FREE Money Masterclass for Women: https://courses.saijelle.com/master-class/

The Hamilton Today Podcast with Scott Thompson: What is the reality that we are facing as auto-theft becomes an increasingly prevalent crime? It's about time we start talking about healthcare without the kid gloves on. According to a report from the Ontario Chamber of Commerce, we are still facing a decline in business confidence following the COVID-19 pandemic. Canada is seeing an incredible rise in the number of bankruptcies. What does it actually cost to own a car today? It would appear that there the Boeing door plug that blew off mid-flight came as a result of some missing bolts. Donald Trump is not immune to election denial or insurrection and with trial appeal and delays coming, how does it reflect the election timeline and the potential for a delay until after the election? The JUNO Awards' nominations for 2024 have been announced, how does it look? "Fake Chinese income" mortgages appear to be the fuel pumping up Toronto's real estate bubble, something we only know thanks to an HSBC Bank leak. Guests: Krista-Lee Ernst, Hamilton Police Service Matt Gurney, Columnist for TVO Claudia Dessanti, Senior Manager of Policy with the Ontario Chamber of Commerce and co-author of the report Don Fox, Executive Financial Consultant, with The Fox Group, IG Private Wealth Management Matt Hands, Vice President of Insurance for RateHub.ca Keith Mackey, Mackey International Wayne Petrozzi, Professor Emeritus of Politics and Public Administration at Toronto Metropolitan University Eric Alper, Publicist, music commentator Sam Cooper, Founder of The Bureau, Bestselling Author, Award-winning investigative journalist Host – Scott Thompson Content Producer – Jordan Armenise Technical/Podcast Producer – Tom McKay Podcast Co-Producer – Ben Straughan News Anchor – Dave Woodard & Jen McQueen Want to keep up with what happened in Hamilton Today? Subscribe to the podcast! https://megaphone.link/CORU8835115919

Strictly Money is your ultimate guide to navigating the ever-changing financial landscape so you can make better personal money decisions! If you're a homeowner or car owner, insurance is non-negotiable, but the rising costs can be a hard pill to swallow. In this episode, we've got Matt Hands, the Vice-President of Insurance at Ratehub.ca, shedding light on the upcoming insurance trends for 2024.Discover the reasons behind the surge in home and auto insurance prices, including the impact of auto thefts. Matt also breaks down how increased competition in the insurance market could actually benefit consumers like you. Get the essential insights to help you strike the perfect balance between managing costs and ensuring you have the right coverage.Contact Saijal: www.saijelle.com RateHub on Twitter / Facebook / Instagram / Linkedin

If your mortgage is up for renewal soon there are a lot of decisions to be made and how do you go about navigating them. We have James Laird, Ratehub.ca's Co-CEO and President of mortgage lender CanWise, join us to share some of the strategies he has to make those tough decisions.

What to do when your mortgage is set to renew.  James Laird, Ratehub.ca's Co-CEO and President of mortgage lender CanWise, joins us with his advice. And, a look at refinancing your mortgage. Frances Hinojosa, mortgage broker and CEO of Tribe Financial takes us through some of the options. Then, why we turn a blind eye to money matters. Behavioral science researcher Youval Aberman shares his perspective on what to do about “Ostrich Brain”.  Plus, Credit Canada's Becky Western-Macfayden tells us about their new financial coaching program to help you reduce debt. To find out more about the guests check out: Frances Hinojosa: Instagram | X(Twitter) Tribe Financial: tribefinancial.com | X(Twitter) | Instagram. Becky Western-Macfayden: creditcanada.com | Facebook | X(Twitter) | LinkedIn | Instagram Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Taking control of your finances. Estelle Gibson, a TED Speaker and coach, tells us about financial dependence and shares her tips to help you stop relying on others for your money. Then, the 50/30/20 rule. Freelance personal finance writer Jordann Kaye tells us how this popular budgeting strategy works. And, how some insurance companies use surveillance to make sure your disability claim is valid. Nainesh Kotak, founder of Kotak Personal Injury Law, tells us about the process. Plus, how you can make money with a G2 license. Matt Hands, VP of Insurance for Ratehub.ca, tells us more. To find out more about the guests check out: Estelle Gibson: estellegibson.com | Facebook | LinkedIn | X(Twitter) | YouTube Jordann Kaye: jordannkaye.com | Instagram | X(Twitter) Nainesh Kotak: kotaklaw.com | X(Twitter) Matt Hands: ratehub.ca | X(Twitter) | Facebook Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

In the season 9 finale episode of Debt Free in 30, Doug Hoyes and Ted Michalos discuss the current state of consumer insolvencies in Canada and why they're going back up. They also discuss the impact of inflation remaining higher than wage increases, higher credit card debt, and higher interest rates.  Where are we heading in the latter part of 2023? Has the recession begun? What can homeowners expect in this climate? Tune in for a great discussion! Related Links: Episode 435, Debt Free in 30 Year End Prediction Show https://youtu.be/3i22JpmcozY Statistics Canada. Table 18-10-0004-01  Consumer Price Index, monthly, not seasonally adjusted https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810000401 Statistics Canada, Average Weekly Earnings https://www150.statcan.gc.ca/n1/daily-quotidien/230629/dq230629a-eng.htm?HPA=1&indid=3555-1&indgeo=0 Statistics Canada. Table 36-10-0639-01  Credit liabilities of households (x 1,000,000) https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=3610063901 Mortgage Rate History from Ratehub.ca: https://www.ratehub.ca/5-year-fixed-mortgage-rate-history Mortgage Calculator, Butler Mortgage: https://www.butlermortgage.ca/mortgage-calculator/ Bank of Canada, Monetary Aggregates (Money Supply) https://www.bankofcanada.ca/rates/indicators/key-variables/monetary-aggregates/

Hello…this is Bo Kauffmann of Remax in Winnipeg, with your real estate news for…  Saturday, April 22nd, 2023…   Today is National Jelly Bean Day and International Earth Day   According to a new RateHub research, Canadians will need an annual income of $217,000 in Toronto to finance an average home.  That's a lot of jelly beans   Even though the city's average home price has dropped by more than $200,000, the income required is actually 6,250 more than was required a year ago.   According to RateHub co-CEO James Laird, Canadians now need to earn more money to buy a home due to rising interest rates and a 7.54 percent stress test rate.   According to the survey, homebuyers in nine of ten Canadian cities must earn between $5,650 and $21,360 more in annual income than they did last year in order to afford a home.  The only city where you can buy a home with less income than a year ago is Hamilton ONT, which requires nearly 5K LESS in annual income than a year ago.  Reason is that Hamiltons average home dropped around 20% in value, which more than makes up for the rise in interest rates.   Lets take a look at some of the cities in this report   The average Vancouver home dropped by $119,600 March over March, but the income required rose by 21K  to   221,220/year.    Calgary got the double whammy.  House prices went UP 5,600 on average  (the only city with an increase in property values).  Add the higher interest rates, and required income went from $91  to $110,000/year   The only 2 cities in the report with home values below $400K where Edmonton and Winnipeg. In Edmonton, you need an annual income of just shy of $82K, while in Winnipeg, $75,650 is enough to buy an ‘average home'..   Thinking of buying?  Call me right now to set up a free home buyer consultation, either in person or via zoom.   204-333-2202   Add us to your Daily Routine on Alexa.  Go here to add to Alexa in the Canadian Skill Store. Are you interested in more in-depth real estate information?  Check out our podcast, available on most podcast platforms. Do you have an Android Phone?  Add our Free Podcast App Here. Do you have an I-Phone?  Here is our iOS version of the podcast app.

Bank of Canada is warning that higher mortgage rates tied to its rapid policy rate hikes over the past year will test the household of Cdn households in the coming months. But is BoC worried? Guest: James Laird, Co-founder and co-CEO of RateHub. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's podcast: What is with all the leaks recently? It seems these leaks keep happening frequently and coming from positions in government that should not have leaks coming from. Why are these happening? Guest: Carmi Levy, Technology Analyst and Journalist. An Op-Ed by Arie Kruglanski: Why do mass shooters kill? It's about more than having a grievance. Guest: Arie Kruglanski, Professor of Psychology, University of Maryland. Bank of Canada is warning that higher mortgage rates tied to its rapid policy rate hikes over the past year will test the household of Cdn households in the coming months. But is BoC worried? Guest: James Laird, Co-founder and co-CEO of RateHub. Global News: “Millennials who rent will have to save 50% more than homeowners to retire.” Guest: Jillian Kennedy with Mercer Canada --------------------------------------------- Host – Arlene Bynon Executive Producer – Kelsey Campbell Content Producer – Demi Knight Technical/Podcast Producer – Tom McKay Podcast Co-Producer – Matt Taylor If you enjoyed the podcast, tell a friend! For more of the Roy Green Show, subscribe to the podcast! https://globalnews.ca/roygreen/ Learn more about your ad choices. Visit megaphone.fm/adchoices

We take a look at auto insurance fraud and how it happens with Ratehub.ca's VP of Insurance Matt Hands. Connect at ratehub.ca, Twitter and Facebook.

A new account to help Canadians save for their first home. Portfolio manager Kevin Burkett is here to take us through the tax-free first home savings account. And, why some Canadians are relying on private mortgages to finance their homes. Mortgage broker Frances Hinojosa shares some of her concerns. Then, how to avoid auto insurance fraud. Matt Hands, Ratehub.ca's VP of Insurance, tells us about the warning signs. Plus, helping immigrants find their financial footing.  BMO partners with and Immigration.ca. Sumit Sarkar tells us about it. To find out more about the guests check out: Sumit Sarkar: LinkedIn BMO: com | Twitter Frances Hinojosa: Instagram | Twitter Tribe Financial Group: com | Instagram | Twitter | Facebook Matt Hands: ca | Twitter | Facebook Kevin Burkett: LinkedIn Burket Asset Management: LinkedIn Burkett & Co. Chartered Professional Accountants: LinkedIn Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Katy Milkman (professor, Wharton School, University of Pennsylvania, author of How to Change: The Science of Getting from Where You Are to Where You Want to Be) joins us to talk about How the first day of spring puts a spring in your step. Will Spring bring a real estate market surge? Penelope Graham (Director of Content, RateHub.ca) gives us all the details. Shachi Kurl (president, Angus Reid Institute) tells us why neither Trudeau nor Poilievre is shooting straight these days. We get down to why nobody knows how to hang out anymore and it's making us miserable with Sheila Liming (professor of writing, Champlain College and author of “Hanging Out: The Radical Art of Killing Time). We break down James Reimer refusal to take part in SJ Sharks Pride night with guest Taylor McKee (assistant professor, sports management, Brock University) and Why an epidemiologist who studies Avian flu owns chickens in his backyard with David Waltner-Toews (a veterinary epidemiologist and professor emeritus at the University of Guelph, author of A Conspiracy of Chickens: A Memoir).

Financial literacy month arrives in uncertain economic times  Guest: Natasha Macmillan, Director of Everyday Banking, Ratehub.ca

Why does Canada have child medication shortages not seen elsewhere? Guest: Joel Lexchin, an emeritus professor at York University's faculty of health, where he studies pharmaceutical policy Why did plant-based meats lose their sizzle  Guest: Julian McClements, Distinguished Professor, Department of Food Science, University of Massachusetts Prime Minister Justin Trudeau arrives in Indonesia for G20, after attending ASEAN in Cambodia  Do these big meetings make a difference and what goes on behind the scenes? Guest: Barbara Martin, professor, School of Policy Studies, Queens University Financial literacy month arrives in uncertain economic times  Guest: Natasha Macmillan, Director of Everyday Banking, Ratehub.ca

Take a look at insurance protection that your credit cards can offer for delayed luggage insurance in case your bags don't show up when you do. We go through the ins and outs of how it works with the director of everyday banking at Ratehub.ca, Natasha MacMillan. Find out more at ratehub.ca and connect on Twitter, Facebook and Instagram.

Delayed luggage during a trip is frustrating – but your credit card may have you covered.  Natasha Macmillan from Ratehub.ca tells us how delayed baggage insurance works. And, how to make life insurance more affordable. Laura McKay from PolicyMe shares her cost containment tips. Then, a new player in the online mortgage company market.  Justin Herlick tells us about Pine. And, tips from the Debt Free Guys – David Auten and John Schneider. Plus, all you need to know about income splitting with Jason Heath from Objective Financial Partners. To find out more about the guests check out: Justin Herlick: Instagram | LinkedIn Jason Heath: Twitter | LinkedIn Objective Financial Partners: LinkedIn | Facebook Debt Free Guys: Twitter | Facebook | Instagram Queer Money Pod: Twitter | Facebook | Instagram Laura McKay: PolicyMe | Instagram | Facebook Natasha MacMillan: ca | Twitter| Facebook | Instagram Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

On this July 25th edition of The Drive Podcast, guest hosted by J'lyn Nye: Reaction to Pope Francis' residential school apology with Matthew Wildcat, assistant professor in the University of Alberta's Faculty of Native studies and political science, and a member of Ermineskin Cree Nation...and How much income do you need to afford a house in Canada? We speak to James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender

Guest:  James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender. 

Ch1: Ripudaman Singh Malik, who was acquitted in the 1985 Air India terrorist bombings, was killed in a “targeted” shooting in Surrey. Guest: Gurpeet Sahota, Newspaper Editor, Radio Presenter and Founding Member of Wake Up Surrey Ch2: What is the connection and the history surrounding Ripudaman Singh Malik and the Air India bombing of 1985. Guest:  Salim Jiwa, Multiple award winning Vancouver journalist and author of “The Death of Air India Flight 182 and Margin of Terror” Ch3: SFU Researchers have made a breakthrough in quantum technology that could be a great leap in the future of computing, but there is still a lot to be done. Guest: Stephanie Simmons, Associate Professor of Physics at Simon Fraser University, Canada Research Chair Tier 2. Ch4: With interest rates in Canada seeing a hefty bump Wednesday, industry insiders are warning of a potentially bumpy road ahead for those in B.C.'s housing market. Guest: James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender.

We begin with an update on the UCP leadership race. Ten candidates have officially thrown their hats into the ring in a bid to be the next leader, we discuss the race with MRU Political Science Professor Lori Williams. Who's considered the front-runner at this point, and what we can expect to see unfold on the campaign trail between now, and the October 6th vote? Next, we ask the question: “What's in your wallet?”  From travel points, to cash-back and even ‘free groceries' what is the best credit card to carry in Canada? We discuss the options available with Natasha MacMillan, Director of Everyday Banking at ‘Ratehub.ca'. Finally – July 17th is “National Ice Cream Day”. We discuss the ‘sweet' day with Scott Wegener, Marketing Manager from Calgary-based ‘Foothills Creamery'.    

Guest: James Laird, co-CEO of RateHub.ca and president of CanWise 

There are a lot of rewards cards out there and which one is the best for you. We have Natasha MacMillan, Director of Everyday Banking at Ratehub.ca, join us to go through their top recommended travel rewards cards. Connect with Natasha on LinkedIn.

How to financially plan for a new baby. Kurt Rosentreter, CPA and senior financial advisor with Manulife Securities Inc., takes us through his tips. And, how to handle unexpected money emergencies. Alyssa Davies tells us about her book Financial First Aid: Essential Tools For Confident, Secure Money Management. Then, Ratehub.ca's top travel rewards cards. Resident credit card specialist Natasha MacMillan helps us navigate the list. Then, Financial planner Steven Brar tells us about segmenting your planning into buckets. Plus, I'll speak to Kelly LaVallie, CPA and certified divorce financial analyst, about her book Untying the Knot: Protecting Your Emotional and Financial Health During Divorce.

Guest: James Laird, co-founder of Ratehub.ca and president of CanWise Financial mortgage brokerage

Millionaire Teacher, Andrew Hallam, sits down with Jon Vassallo, VP of Partnerships at Ratehub.ca,  to discuss Andrew's new book: Balance: How to Invest and Spend for Happiness, Health, and Wealth. The two discuss how to live a better life (money isn't everything), how to align spending with values, and resolving anxiety around spending before diving into investments and socially responsible investing.    [0:00] intro[3:22] Money mistake or makeup - cat litter and ponzi schemes [9:12] What compelled you to write your new book, “Balance: How to Invest and Spend for Happiness, Health, and Wealth” [11:58] The 4 quadrants of success in life: money, relationships, health, purpose (Iki gai) [13:38] Do you have a favourite chapter in the book? What the research says about delaying gratification.[15:20] Daniel Kahneman - Reflective happiness vs. experiential happiness.  [19:10] What's the first step to changing your money habits and getting your finances in order?How to align your spending with your values.  [23:51] How do we resolve anxiety around our spending? How will tracking my spending affect my social life? [28:50] Do you have a gratitude journal? Should we be journaling about gratitude? [30:35] What is one thing you're feeling grateful for these days? [32:12] What's the difference between ETFs and Active Mutual Funds? [34:52] The Spiva persistence scorecard: https://www.spglobal.com/spdji/en/spiva/article/us-persistence-scorecard/ [36:55] We're not designed to invest (and what we should do instead)[40:16] Does Andrew Hallam invest in Crypto? [42:22]   What is SRI (socially responsible investing)? Should we put money where our values are? Does SRI impact our happiness? [47:15] Why is Costa Rica such a happy country? [51:05] Rapid Fire Questions [58:37] Outro

Are you planning on buying a house in 2022? Is it a New Year's Resolution? Here's everything you need to know about buying a home from people that did it in 2021.  Jessica Moorhouse is an award winning blogger, podcaster, and an accredited financial counsellor in Canada. Ratehub's Director of Insurance, Matt Hands, sat down with Jessica to discuss the home buying process. Jessica sold her townhouse and bought a new house in Toronto this year in the wild and crazy market. Matt decided to leave Toronto after buying his house in London, Ontario.  The two discuss the stress of buying a house, mistakes they made, how to save, how to find the best mortgage rates, and why working with professionals is critical to your home buying success.    [0:00] Intro [0:36] A brief history of Jessica Moorhouse (from student debt to blogging to home buying)   [2:30] MONEY MISTAKE OR MAKEUP   [6:57] We're supposed to buy a house, right? We're preconditioned to buying one, but why? Why do we buy homes? Toronto vs. Vancouver. Jessica talks about simply buying land because houses are too expensive, but buys a townhouse in 2016. You don't have to buy a house.  [13:15] On housing affordability and choosing your lifestyle [13:43] Alterna Savings survey - scariest part of home ownership was saving up enough because goal posts keep moving.  [15:12] If you decided to stay a renter, what are you missing out on? Rent vs. buy  [17:50] Matt talked himself out of a property. What do we do about a non-buyer's regret? Maybe there are reasons you didn't buy the place. Think beyond just the house.  [19:55] How do you save for a house? How much should go towards buying a house? What questions do you need to ask regarding high-ratio mortgages, insurance, registered accounts, etc.  [23:04] Did you tap into the first time home buyer's plan for your first home purchase? A loan you have to pay back.  [24:35] How can the government help first time home buyers? Affordability is the problem, not incentives. Housing prices just continue to go crazy.  [25:55] Fixed vs. variable rates - which one to choose? [33:45] How did you find the best mortgage rate? Online? Friends? Banks? [35:00] Why you should interview your financial representatives, agents, and brokers about mortgages and insurance [37:15] What are the hidden costs of home buying? Realtor fees, property taxes, land transfer taxes, and other closing costs.  [41:30] Thoughts and considerations about buying a house in the city vs. out of the city. Businesses must adapt to changing work culture.  [44:23] Let's talk about bidding wars in your home buying journey. Emotional decisions.  [46:51] Bully offers and the need to be aggressive when bidding [48:00] On the value of a great realtor [49:31] Blind bidding in Toronto. How much do you actually want for the house? Houses being underpriced to drive prices up.  [51:00] The importance of making a list of everything you want in a home, including what you want in your future life.  [53:36] What is going to happen to the housing market? Will prices continue to rise? Will it go down? Will the bubble burst?  [54:42] I could've bought a house but glad I didn't.  [55:12] Differences in generations on housing vs. stock market.  [57:25] Posted rates vs. finding the best mortgage rate for you   [58:31] RAPID FIRE QUESTIONS What's in your wallet?  A book everyone should read?  What was your first job and what did you learn from it? What is a commonly held belief about your industry or space that you passionately disagree with?  If you had one tweet that everyone in the world would read, what would it say?   What's your number (to walk away from it all and live financially independent, never worry about money again?)  What do you want to be known for when you die?  Where can people find you if they have more questions?    [1:08:07] OUTRO

From the BC floods to the Wet Bandits flooding the basements in Home Alone—how does your home insurance work with natural disasters and climate change? What risks does Christmas pose to your house? What happens if your gifts get stolen? What do you do in case of a break-in? Do you really have to shovel your sidewalk? Do more fires happen at Christmas? What about hosting parties and serving alcohol? Director of Sales at RH Insurance (www.rhinsurance.ca), Morgan Roberts, sits down with Director of Insurance at Ratehub.ca (www.ratehub.ca), Matt Hands to answer all kinds of home insurance questions you never thought to ask before.  [0:00] Intro [1:35] Money Mistake or Makeup [4:45] On home insurance and flooding (especially with BC floods) [6:11] Will your rates increase when claims happen elsewhere? [9:07] What is overland water? What is sewer backup? Do you need it? How much does it cost to add to your policy? [13:00] Who to contact about changes to your home insurance policy?  [14:41] How does the insurance industry adapt and change to major weather related events and climate change? [16:30] When should you change your coverage limits? How often should you change them?  [17:10] If you do renovations, do you need to speak to your insurance broker or agent? [19:38] Do you have to use a restoration specialist provided by the insurance company? Or can you use your own contractors? [21:44] What is the average cap, or return, due to water damage in your home?  [22:45] Following a flood, do you have to submit a full list of everything you have and supply it to the insurance company for a full claim?  [23:45] Can you shop around if you find you're not getting enough coverage? What are the standards in the insurance industry? Compare home insurance quotes https://www.ratehub.ca/insurance/best-home-insurance-quote [25:47] If you have to rebuild, do you have to rebuild on your property or can you take your money and go live elsewhere? [27:40] Where do you stay while your house is being rebuilt? [30:43] What are acts of god? What's the difference between an act of god and a peril? [34:29] Is house maintenance still required when dealing with home insurance? How long can you be away from your house without checking on it? What about snowbird insurance? [36:38] What is covered when your home is broken into? Describe Home insurance for break-ins. Do you need extra contents insurance for an engagement ring? What should I communicate to my insurer? [40:51] What do insurance companies recommend to protect your home? during the holidays? Do you get discounts for security cameras? Do you need to shovel your sidewalk? [43:28] Does home or auto insurance cover someone slipping and falling on your property? How much extra coverage do I need and how much does extra liability cost? Does home or auto insurance coverage kick in if something is stolen from your car?  [48:55] Five wishes for 2022 [57:06] Outro          

Ramit Sethi, author of “ I will teach you to be rich” recently tweeted out: 3 signs someone is financially sophisticated.  They know their numbers cold: Savings rates, asset allocation, debt payoff date, goals.  Creative, even extravagant spending on the things they love. Not penny pinchers. They have a point of view.  They actively work on their money psychology.    If you don't know these numbers, you worry about spending (whether it's too much or too little), and you avoid living your life because, ya know, money, well - I hope this short podcast will help.    November is financial literacy month in Canada. I could hit you with statistics on Canada's debt ratios, our salaries, and who's budgeting or not, but we can save that for the written reports.    Instead, here are the 10 steps to financial independence. Wherever you are in your journey, explore each step on your own for more details. Sign up for newsletters, follow money influencers on social media, read Ratehub.ca's blog, and if you immerse yourself in the subject, I promise you will get to where you want to be faster.    Knowing your money is good for your bank account, and your mental health will thank you even more. The problem isn't having wealth, it's when wealth becomes a source of fear, greed, and dictates how you behave. Wealth is a tool, so let's sharpen our knives and cut the fruit fresh from the tree.    So, set the goal, practice the habits and you'll achieve success. It's all a journey. Take any small steps and you're moving in the right direction.  Step 1: Paying off debt & negative net worth Step 2: Zero net worth - budgeting Step 3: A plan for your paycheque Step 4: Starting your emergency fund Step 5: Setting up sinking funds Step 6: The value of your first 100k Step 7: FIRE: Financial independence, retire early Step 8: On housing - house vs. apartment Step 9: Insurance on your wealth Step 10: Plan to die with zero  

Wil Reynolds (seerinteractive.com) turned down $50 million dollars to buy his company. Why he did it is one of the most valuable lessons of personal finance you will ever hear.    He had his number to walk away. He had the opportunity at life-changing money. He wrote  “My house is enough, my cars are enough, my kids' private school is enough, my vacation fund is enough. I've seen enough of the world. My rainy day fund is enough, my take my parents on vacation fund is enough, my buy a small house for my in-laws to move near their grandkids fund is enough. There is no more “Life-changing money” for me. I've lived a life well within my means, so what do I do when I'm content?    What would you do? Well, start by listening to this episode to get your ideas.    [0:00] Intro    [2:44] MONEY MISTAKE OR MAKEUP    [5:41] How did your childhood upbringing affect who you are today?    “I live in fear of getting used to more and more shit that separates me from most people's reality, you should too, that is how you start going from “if I could only have a million, to nah I need a billion)”   [7:42] On the struggle of teaching kids financial hardship   [9:39] On the value of mixed residential neighbourhoods   [11:25] How do you avoid the trap of nothing is ever enough?    [13:26] On the value of cars   [14:42] How do you find your number? How do you know how much you need to walk away from it all and retire comfortably?    [17:50] On the importance of getting to you your “why” of money. Why do you need money? What purpose does it serve you?    [18:55] What would you tell your younger self about money?    [21:46] On not levelling up your lifestyle (especially when you're a millionaire)   [23:46] On the urge to splurge after a long time of COVID restrictions   [26:31] How much do outsiders influence our money decisions?   [29:48] What was it like turning down $50 million dollars?   [34:50] How do your employees feel now?   [41:37] Why do you give so much without expecting anything in return? How is it so innate for you to give so much money?    [47:39] An example of how kindness solves anger   [49:04] Why perspective is fundamental   [50:59] RAPID FIRE QUESTIONS What's in your wallet?   A book everyone should read?  What was your first job and what did you learn from it? What is a commonly held belief about your industry or space that you passionately disagree with?  If you had one tweet that everyone in the world would read, what would it say?   What's your number (to walk away from it all and live financially independent, never worry about money again?)  If you had no obligations and no shortage of money, what would you spend your time doing?  What do you want to be known for when you die?    [1:06:18 - 1:07:12] Outro

Bridget Casey talks about stagnant wages, gender pay gaps, wealth inequality, the immorality of billionaires, FIRE, Coast FIRE, and the importance of your first 100k (sixfigurestockportfolio.com and moneyaftergraduation.com) She's brutally honest, vulnerable, and puts the cash in the Kardashians. She's been featured in Time magazine, Forbes, Macleans, MoneySense, Globe and Mail, Yahoo Finance, BNN, CBC and of course, Ratehub.ca   Find her on Instagram and Twitter @bridgiecasey    [0:00 - 2:44] Introduction [2:45 - 4:46] MONEY MISTAKE OR MAKEUP [4:47 -  6:06] How should we think about money? How do we get to that ideal money mindset? What is the ideal mindset?    [6:07 - 12:00] What are ways you can earn more money?    [12:01 - 19:59] We often associate money with our self-worth, our identity, our jobs - this person makes more than me, so therefore they are better than me. How can we achieve a level of comfort in our money decisions? How can we disassociate money from our self-worth and be ok buying things? If we are what we value, how should we define value?   [20:00 -22:28] Why do men want to mansplain money to you? Women have a place in money and are allowed to take up space and share their expertise in this field.    [22:29 - 24:55] How do we close the gender pay gap? How do we close the gender wealth gap?   [24:56 - 26:44] What political policies would you like to see in place to help close the gender pay gap?    [26:45 -  39:44] LEVITY BREAK The Poverty line is set arbitrarily low by governments & economists to gaslight people who are struggling to survive into believing that they do not deserve social safety nets because they do not need them.  Please explain.    “What we think sustains our current economic system: Hard Work.  What actually sustains our current economic system: unpaid labour of women at home, white supremacy, the patriarchy, generational wealth, environmental destruction, failure to implement a fair tax system, and war.” Bridget, why did you post this? Give me the underlying message behind it all.    I don't get people like bezos. If I had a billion of dollars, I would impulsively start fixing shit. Homeless vets? I don't think so. Hungry children? Not on my watch. He could be Batman, what a waste. AND CNN's headline - World's largest tax avoider takes joyride to second place.  Can you provide some insights into why people are commenting in such a way?    If you bought a Tesla model S in 2012, your $77,000 car would be worth approximately $40,000 today. If you had invested the same $70,000 in Tesla stock, you would have over $7 million today. [39:45 - 40:30] What is FIRE?    [40:31 - 41:41] What is Coast FIRE?    [41:42 - 42:59] Have you hit Coast FIRE?    [43:00 - 44:59] Are you going to work until you're 65?    [45:00 - 45:50] What is the 4% rule?    [45:51 - 47:04] What is geographic arbitrage?    [47:05 - 51:09] On the value of your first $100,000   [51:10  - 54:11] What is the easiest way to your first $100,000?   [54:12 - 56:12] How do I start DIY investing?    [56:13 - 1:04:42] RAPID FIRE QUESTIONS What's in your wallet?   A book everyone should read?  What was your first job and what did you learn from it? What is a commonly held belief about your industry or space that you passionately disagree with?  If you had one tweet that everyone in the world would read, what would it say?   What's your number (to walk away from it all and live financially independent, never worry about money again?)  If you had no obligations and no shortage of money, what would you spend your time going?  What do you want to be known for when you die?    [1:04:43 - 1:05:32] Outro

Mikael Castlado from Ratehub.ca tells us all we need to know about crypto credit cards are and what's available in Canada. Find out more at ratehub.ca and connect on Twitter, Facebook, Instagram and LinkedIn.

Navigating networking in this virtual environment.  Tips and tricks from Kimberly B. Cummings, author of Next Move, Best Move: Transitioning Into A Career You'll Love, And, crypto credit cards. Mikael Castaldo from Ratehub.ca tells us what's available in Canada. Then, a new mutual fund that tackles the issue of long-term income security. Som Seif, founder of Purpose Investments, tells us how its new Longevity Pension FUnd works. COO Stephen Graham tells us all about it. And, we'll talk to Michael Bradley about a new Canadian Fintech called Clik2Pay. To find out more about the guests check out: Som Seif: com | Twitter: @purposeinvest & @somseif | LinkedIn Kimberly B. Cummings: com/book | Instagram | Twitter | LinkedIn | Facebook Mikael Castlado: ca | Twitter | Facebook | Instagram | LinkedIn Michael Bradley: com | LinkedIn: Clik2Pay & Michael Bradley Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn  

Mikael Castaldo, general manager of everyday banking at financial products comparison site Ratehub.ca See omnystudio.com/listener for privacy information.

Lorne Marr (founder of https://www.lsminsurance.ca) is a life insurance expert with nearly 30 years of experience and earning a number of sales and service awards along the way, including one from the prestigious MoneySense Magazine. He founded LSM Insurance in 1998 and quickly grew it into one of Canada’s leading life insurance brokerages. He is also a Certified Financial Planner. Ratehub's director of insurance, Matt Hands, and I spoke with him about his entrepreneurial journey, life insurance myths and misconceptions, practicing gratitude, and MUD coffee.  For more information about life insurance visit https://www.ratehub.ca/insurance/life   [0:00 - 1:17] Intro [1:17 - 1:18] Money Mistake or Makeup - Lawncare, Tesla, and delegation [5:54 - 10:06] Why did you get into the life insurance industry? [10:07 - 14:15] What was it like launching LSM insurance? [14:16 - 16:20] Would you recommend becoming a life insurance broker as a career? [16:21 - 17:50] Did you have a lot of doubters when you were starting out saying you shouldn't be doing this? [17:51 - 19:36] What is Mud Coffee? [19:37 - 22:44] Lorne's morning routine [22:45 - 24:45] Life Insurance Myths and Misconceptions [24:50 - 25:50] Is term life more popular than whole life insurance?  [25:51 - 27:29] How much life insurance do you need? [27:30 - 29:20] When do you need life insurance? [29:21 - 30:41] Is life insurance income or asset protection? [30:42 - 32:16] Are Canadians underinsured with disability and critical illness insurance? [32:17 - 33:30] Should you use life insurance as an investment vehicle? [33:31 - 34:40] Should you max out TFSA and RRSP before using life insurance as a tax shelter? [34:41 - 37:00] CASE STUDY: a young couple, two kids, mortgage, average income - what kind of life insurance policy do they need? [37:01 - 38:20] Using life insurance stacking to ensure the best protection [38:21 - 41:10] Do life insurance brokers make money with permanent life insurance policies? [41:11 - 43:52] Do life insurance brokers still have a place in the tech-fuelled insurance era? [43:53 - 46:31] Why did you decide to sell LSM to HUB financial? [46:32 - 1:00:00] RAPID FIRE QUESTIONS  [1:00:01 - 1:00:56] OUTRO      

Wealthsimple tax expert, Caroline Corbeil and Ratehub.ca's VP of finance and Operations, Jen Pollock, quickly answer your top tax questions to put you at ease and set you up to file your own taxes online. We promise it’s much easier than you think. We’re going to eliminate whatever fears you may have about filing income tax in Canada. For more info, visit https://www.ratehub.ca [0:00 - 1:24] INTRO    [1:25 - 4:30] Money mistakes special edition - Tax mistakes made by tax experts (and Tyler’s tax mistake)   [4:31 - 4:55] When are taxes due in Canada?   [4:56 - 5:17] Are due dates different if you’re self-employed.    [5:18 - 5:44] Can I file my own tax returns?   [5:45 - 5:55] How long does it take for me to file my own tax return?   [5:56 - 6:11] How long will it take CRA to process my return?   [6:12 - 6:49] What happens if I don’t file my tax return?   [6:50 - 7:29] How does the CRA know if I have income or owe taxes?   [7:30 - 7:50] If the CRA knows my information, does it automatically populate if I file my taxes online?   [7:51 - 8:52] How do I know how much taxes I have to pay? Is there an easy way to guess how much taxes I have to pay?    [8:53 - 9:33] How do marginal tax rates work? Is all my money taxed at a higher rate?    [9:34 - 11:57] Filing taxes in 2021 for the 2020 tax year are very different. What changes do we need to consider with working from home? What if you own or rent your home?   [11:58 - 13:01] What about people who were laid off? What about the people that applied for CERB? [13:02 - 14:27] Is there anything people should be thinking about if they’ve been self-employed this year? Like side hustles? Driving for Uber? How do I report self-employment income?   [14:28 - 15:33] What are standard tax credits? What can I claim? Medical expenses? Charitable deductions? How do those tax credits and deductions work?    [15:34 - 16:19] Are there any tax credits that aren’t well known? Anything new this year?   [16:20 - 17:01] Any other ways to reduce the taxes you owe? How do RRSP deductions work?    [17:02 - 18:14] Could I deduct household expenses in future years?   [18:15 - 18:51] What about provincial differences? Will I mess that up?    [18:52 - 19:26] Are there changes to the capital gains tax? Can you tell us what capital gains tax is and how it works?   [19:27 - 19:59] WIll capital gains tax change? Will they increase taxes on principal residences?    [20:00 - 22:14] What about if I rent out my basement? What are the tax implications of renting out my basement to a tenant?   [22:15 - 22:26] What about if I Airbnb my apartment?    [22:27 - 23:59] Can married couples file taxes separately in Canada? Can we share deductions and tax credits?    [24:00 - 29:06] Rapid Fire Questions - What’s in your wallet? A book everyone should read? What was your first job and what did you learn from it? What is a commonly held belief about your industry you passionately disagree with? If you had one tweet that everyone in the world would read, what would it say? What’s your number to retire? Where can people find you if they have more questions?    [29:07-29:58] OUTRO

Recorded pre-pandemic, in this episode Alyssa Furtado shares the story of Ratehub - Canada's leading comparison platform for mortgage rates, credit cards, GICs, insurance quotes and bank accounts). Highlights and key advice from Alyssa in this episode:-        Learn how side hustles can help develop start-up readiness skills.-        The importance of listen and talking to mentors/advisors.-        How to scale a team.Follow Alyssa on social media: @AlyssaJRichardLearn more about ratehub.ca: http://www.ratehub.ca Research, Innovation and Entrepreneurship Resources at Queen's: Queen's Partnerships and Innovation - link Dunin-Deshpande Queen's Innovation Centre – link Smith School of Business – Centre for Business Venturing- link

Podcast 4 notes Only rough draft hear sorry lol Welcome to Your probably right Podcast And it is I Mcm You are welcome at my house anytime…. 1. Games stock Fiasco Reddit mafia Online communities and cohorst Play video of wolf of wall street Jordan Belfort The little guy Hedge fund Shorting stock 2. Real estate corrections 2017 Stress test Mortgage rate comparison website RateHub.ca published a scenario looking at the impact of the stress test rule on a family earning $100,000 putting down a 20% down payment on a 3.09% five-year fixed rate amortized over 25 year. Under the current rules, that family could qualify for a house worth $706,692, but after the new rules take effect in 2018, that family would only qualify for a house worth $559,896 based on a 4.89% stress test. Risk and capitolism 3 Mayor Tory explaining that black people in Toronto need to be given explanation as to why they need the vaccine Play video 6.8 million to black community Is it? There are 1.2 million people who Identify as black 6.8 / 1.2 Remember the 221 million business loan program.. Loan lol! Help for black business owners What about those who haven't been able? 4. why do you think black people dont trust society History lesson about Jamaican Canadians first and second gen 2016 1.2 million Identify as black Look at page for break down --- Send in a voice message: https://anchor.fm/youreprobablyright/message

Want to raise money-smart kids? It starts by knowing how to financially plan for a baby. MoneySense Editor-in-chief, Sandra Martin, VP of Product at Ratehub.ca, Scott Affleck and I sit down with Lisa Van De Geyn to discuss. We interview Lisa, author of the book “Babies: how to afford your bundle of joy” – a detailed resource preparing parents for the financial whirlwind that is child rearing – about how to save and what to avoid. A casual chat loaded with great tips about parental leave, child care, government benefits, and ways to reduce expenses.     [0:00 - 036] intro   [0:37 - 4:57] Money mistakes - Not using extra money for investments, Buying nespresso extras, obsessively checking investments, black friday shopping.    [4:58 - 6:42] Why is this book important? What don't parents understand about money?    [6:43 - 9:40] if you budget, you’re ahead of other parents. Lisa admits her mistakes. Everyone thinks about diapers, but there are so many other variables. And a lot of stuff you don’t need.  Maybe you want a diaper genie, though.    [9:41 - 10:47] What is a commonly held belief that parents always get wrong?    [11:50 - 14:24] How would you do things differently if you were to start over? Buy used. Do more research on strollers (don’t buy super expensive). Budget. Plan for the unexpected.    [14:25 - 17:48] What are some ways parents can save money? Childcare, daycare, and nanny share. Plan early.  Child   [17:49 - 20:59] Tax considerations - Should you go back to work after maternity leave?   [21:00 - 22:35] How do parents save money as kids get into school? Support structures.    [22:36 - 25:34] When do you start planning for an RESP? Should we expect kids to pay their own tuition?    [25:35 - 27:14] When should I start teaching kids about money? How do I teach kids about money?    [27:15 - 30:38] What about allowances? Should kids get an allowance?    [30:39 - 39:18] Rapid Fire Questions - What’s in your wallet? A story about the tooth fairy. What’s a book everyone should read? What is one of the best or most worthwhile investments you’ve ever made? Could be an investment of money, time, energy, etc. What’s your number - to live independently wealthy and life on your own terms?  What’s next for you? How can people get in touch with you?    [39:19 - 40:00] Outro  

In this episode with Scott Affleck, you will learn: Why Product Managers need coaching and how is it different from other professionsHow to coach Product Managers effectively and some antipatterns How to track progress in a coaching relationship Scott Affleck is currently the VP of Product at Ratehub.ca, where he currently leads Product, Design and Analytics.  Prior to Scott’s arrival 3 years ago, none of these functions existed, so much of his past 3 years building the team and establishing processes to support a business that has grown 3x in that time. Scott is an avid lover of high-growth B2C & marketplace startups, and has spent over a decade working in Product in fintech, travel, and social media.  Prior to his career in Product, Scott spent 6 years working in Corporate Strategy at Bain & Company and Bell Canada.   Scott has a very strong belief in the value of mentorship, especially in fields like Product where much of the training still comes on the job rather than through formal education.  He loves helping team members identify their passions and goals, develop their own personal roadmap, and find opportunities to grow.  Scott takes great pride in building highly effective and motivated teams that love coming to work every day. Get the free cheat sheet with all actionable tips and notes from this episode in a one-page PDF at bit.ly/pmhub19 Intro music by Peter Boros of The Nameless Citizens

Guest host Jon Vasallo, Sales Director at Ratehub.ca and general manager of MoneySense magazine interviews Alan Mallory.  Alan is a performance coach, international speaker, including TedX, and published author of the book, “The family that conquered Everest”.  In 2008, Alan, with his brother, sister, and father went on an expedition to the top of the world’s highest peak. They became the first family of four to set foot on the summit. A 2 month emotion-filled terrifying experience across ladders spanning bottomless crevasses, near death experiences, unparalleled physical and mental challenges.  [0:00 - 1:25] Intro [1:26 - 4:30] Money mistakes [4:31 - 6:09] How did your dad convince you to climb Everest? [6:10 -  7:39] How do you go about accomplishing goals? [7:40 -  10:07] How did you turn the decision to climb Everest into preparation and planning?  [10:08 - 12:59] Climbing Everest cost you $160,000 - how did you finance the trip? [13:00 - 14:45] Is there any special insurance that would cover someone climbing Everest? [14:46 - 16:54] Once you got to the top, can you describe the feeling at the top of Everest? [16:55 - 18:48] Everyone has their own Everest to overcome. What parallels would you draw between Everest and personal finance (e.g. retirement) [18:49 - 21:34] What are some of the key lessons during and post climb? Was it worth the investment? [21:35 -  26:14] How do you overcome the challenges of starting? How do you set a goal to accomplish the challenges you face? [26:15 - 27:37] There’s an emotional return on your investment. Did you ever think about how you could make money from the climb?  [27:38 - 31:29] You’ve turned climbing Everest into a career. Can you talk about that transition? What was the decision to monetize the experience? Take us to where you are now.  [31:30 - 33:25] Any takeaways for our listeners to leverage learnings to carry with them as it relates to personal finance.  [33:26 - 40:19]  Rapid Fire questions - What’s in your wallet? What book do you think everyone should read? Where do you spend most of your money each week? If you had one tweet, what would it say? What is one of the best or most worthwhile investments you’ve ever made? (Could be an investment of money, time, energy, etc.) What’s your number - to live independently wealthy and life on your own terms? How can people get in touch with you? What’s the title of the book? [40:20 - 45:12] The Knowledge bank - What is a balance transfer and what are the advantages?  https://www.ratehub.ca/blog/best-balance-transfer-credit-cards-in-canada-2/ [45:13 - 46:04] Outro  

Canadian Couch Potato investor, Dan Bortolotti returns with guest host and CO-CEO of Ratehub.ca, Alyssa Furtado. We tend to overcomplicate investing. This podcast gives you simple advice on investment planning, not being a market timer, the best time to invest for non-investors, and removing emotions from investing and learning to invest on your own.  Do you invest in a pandemic? Should you withdraw all your money? There's a ton of great advice in this podcast and worth a listen to anyone that is worried about the markets and their own investments.  At the end, we give you things you might not know about home insurance.  Enjoy!

David started investing in 1996 at age 18 and enjoyed early success thanks to tech market giants and the internet. After growing his portfolio to $10,000 (a lot of cash for an 18 year old), he was hooked, but not playing with enough cash, so he borrowed to invest more. At 25, he was working as a mutual funds analyst, after receiving his MBA from Rotman at The University of Toronto, and about to get his chartered financial analyst designation, he told his parents he needed to file for bankruptcy.    Now he is the CEO of Kindwealth, a fee-only financial planning service. No sales commissions, no contracts, and fair flat fees. He’s been featured on BNN Bloomberg, Financial Post, The Globe & Mail, and MoneySense to name a few. The best advice for me, comes from people with experience. David has seen the highs and lows of personal finance, so we reached out to hear his story, what it's like filing bankruptcy, and what his company Kind Wealth is all about.  At the end we wrap up with the question - Do you need life insurance? Get life insurance quotes at Ratehub.ca

Whether or not you actively seek music, it’s everywhere. Be it through your favourite streaming platform, on the radio in your car, through commercials on TV, in the background at the grocery stores, or through live performances in bars, clubs, or restaurants -  music surrounds and delights us by filling up life’s silent moments. And behind the music that you hear every day, there’s a musician who dedicated their lives to making it possible. However, it’s becoming an increasingly uphill battle to work as a professional one.  With the rising cost of living and the way, people purchase music evolving rapidly over the last few years, working as a musician seems only possible as a side-hustle or passion project. The mere idea of a musician working for a living nowadays seems far fetched, almost near impossible. But for this week’s Ratehub.ca’s Real Money Talk guest, Mike Evin, is a full time working musician currently living in Toronto, Ontario. Evin’s work as a musician spans nearly two decades, with full-length albums, a handful of EPs, and a few charming music videos.  He’s also worked with Juno-nominated producers, and earned regular playtime on CBC Music.  Evin’s also earned nods from some of Canada’s most notable working musicians, (like Dan Mangan and Sarah Harmer), and shared the stage with staples of Canada’s professional musician industry (like the Barenaked Ladies and Ron Sexsmith.) We spoke with Mike Evin about the ins-and-outs of what life as a working musician is like, how musicians make ends meet today, and other topics, including insider tips and tricks on how musicians can make the most of their time working in the competitive music industry. This podcast is brought to you by EQ Bank and the EQ Bank Savings plus account.  [0:00 - 3:36] Intro   [3:36 - Money Mistakes and Money Makeups - losing money as a musician, too much alcohol, cancelled gigs   [6:24 - 7:29] Tell us the Mike Evin story - playing music as a kid, jazz as a teenager, high school band, late teens writing songs.    [7:30 - 8:24] When was the first time you thought you could make money as a musician?    [8:25 - 11:29] Did you play in small clubs? WHat’s the earliest memories of making money as a musician? Great story about the real life struggles of getting paid as a musician.   [11:30 - 13:14] What would you say to a self employed musician in getting paid well. Should a musician accept drinks as payment? You need confidence and love and respect.    [13:15 - 16:34] Venues are shutting down. How does an artist stand up for themselves? People shouldn’t be happy with whatever they can get, but take it gig by gig. The three thing rule - pay, quality of music, and the hang. You need two of those.    [16:35 - 20:24] How do musicians earn money these days after a decade of streaming and file sharing? Limewire, Napster and now subscription based services like Napster.  For every 1 million streams you get $4,000 - it’s not worth it.  THere needs to be other sources. You need to diversify. Neighboring rights   [20:25 - 22:09] There’s a lot of money that goes out when making music. How do you find that balance? It’s not a regular 9-5 job with a bi weekly paycheck. How do you manage the cash flow?    [22:10 - 23:29] How long does it take to fill out a money grant? Does it have to be 100% made in Canada? Yes, there are stipulations - they can be political, quality of music, but there are far more criteria. Making money from ticket sales, merchandise, Socan.    [23:30 - Is Canadian content (CANCON) rules restrictive - does that restrict our artists growing out of Canada?    All Canadian record labels, if you took grant funding away, you’d go bankrupt.    [26:51 - 29:02] About visas to work in the United States. You need a US Visa to work. Be careful crossing the border without a proper visa. You don’t want to get screwed. What’s the best way fans can support their favourite artists where streaming is the norm?   [29:03 - 29:59] We had a song on the TV show Letterkenny - Zack learns a lesson. Mike teaches him - how come you don’t get royalties from Socan for having your music in the show?  In this day and age, it’s so easy to educate yourself about money. Leave no stone unturned.    [31:00 - 33:29] What money saving tips do you have for people pursuing a career in music? Diversify. Get students out to shows and...in your music videos.    [33:30 - 34:44] What’s the hardest part of a day to day life of a working musician? Staying motivated. Money is still a struggle.    [34:45 - 36:39] Do you worry about money? You have to love what you do for the struggle to be worth it. How to ground yourself as a musician.    [36:40 - 39:59] RAPID FIRE QUESTIONS  - What’s in your wallet? What’s your favourite book? What’s your favourite song to play? Who is your favourite musician? What is the biggest a musician can make? What does your billboard say?   [40:00 - 42:43] Ratehub.ca financial tip of the week. How do I spend less and save more money?   [42:44 - 43:55] Outro 

I’ve worked for renovation companies. I have friends who are contractors. The construction industry is a dinosaur and educating yourself will help move it forward. Whether you’re planning a renovation in the future, thinking about entering the business, or just want to get educated on construction, Manny from Hardcore Renos is as real as it gets. Renovation TV shows aren’t real. We ask how much contractors make, about paying for jobs in cash, and if buying a home is still a good idea. We want to know the best ways to work with a contractor to not waste your money, your time, or lose your mind. Follow Manny on instagram @hardcorerenos, on his Youtube channel, and listen to his podcast, “the construction life.” you’ll love the stuff he posts.    Today, I’m joined by Ratehub’s VP of marketing Luke Sheehan and content strategist, Hyder Owainati.    Real Money Talk is brought to you by EQ bank and the EQ Bank Savings Plus account   Season 2 we look at everyday life, work, through the lens of money.    [0:00 - 1:41] intro   [1:42 - 3:08] Renovation TV isn’t real. Follow Manny on social media, youtube, and his website, Hardcore Renos.    [3:09 - 6:55] Money mistakes - hotel deal discounts, construction mistakes, gift cards for dining out, buying your own materials for a renovation   [6:56 - 8:40] Should a homeowner buy their own materials for a renovation?    [8:41 - 9:22] Luke has no skills   [9:23 - 13:00] What’s the hardcore renos story? Film to renovation, social media, networking, growth, being vocal.    [13:01 - 14:21] You’re trying to change the industry. Give clarity to renovations. Everyone wants to make a lot of money for a little bit of work. Walk, don’t run.    [14:22 - 16:47] What insights do you have that other contractors don’t want you to know   [16:48 - 21:24] Do you think contractors are paid appropriately? How much do contractors make? Canada needs trades people - what do we do?   [21:25 - 23:20] What tips do you have for consumers in doing a renovation? This Old House is not a fabrication. It’s quality. Research and watch TV but know it’s not for real.    [23:21 - 25:42] How should you pay a contractor? Project management fees? Percentages? Should you pay a contractor in cash? Woodbridge visa.    [25:43 - 28:23] Is there a cash price in renovation?    [28:24 - 30:05] Is buying a house still a good investment? Passive income in rental properties? Flip a house?    [30:06 - 31:24] Invest money in your house to sell it. Is it true? Where you should spend money on a house  - Kitchen, Bath and…?   [31:25 - The value of in floor hydronic heating vs. forced air furnace. Updating your old radiators. Forced air and other people's breath.    [33:05 - 33:27] Funny story about conversation overheard by mom through ducting   [33:28 - 35:44] What are some renovation tips to get the most bang for your buck?    [35:45 - 37:16] On heated toilet seats and bidets.    [37:18 - 38:07] On storage and planning out your reno based on the dynamic of the family   [38:08 - 39:49] What are the worst ideas people have for a renovation? Any case where you want to say no to what the client wants?   [39:50 - 45:59] Rapid fire questions - what’s in your wallet? What’s the most useful tool every contractor should have? Holmes on Homes yes or no? Jiffy app/Homestars yay or nay? Quote on a billboard? What’s the biggest mistake a client will make? How should the younger generation of contractors get ahead in the industry?   [46:00 - 47:54] Decimal financial tip of the week - Keep your savings goals lean   [47:55 - 49:10] Outro

Ever dream of opening up your own coffee shop? Wouldn’t it be lovely sipping on latte’s everyday, chatting up your regulars - serving up drip, cappuccinos, and flat whites? We talk to Justin of Black Cat Espresso Bar about what it’s like to own a coffee shop. We talk about 1st, 2nd, and 3rd wave coffee, the coffee scene in Toronto, and ask - should you tip your barista? Justin owns 2 shops in Toronto and also sells a delicious breakfast sandwich (a must try) to different shops around the city.  In Season 2, we look at work through the lens of money. Money is a part of our everyday lives so why isn’t it an everyday discussion?  [0:00 - 0:35] Ratehub.ca - Real Money Talk Intro   [0:36 - 59:00] EQ Bank - our show’s sponsor - Check out the EQ Bank Savings Plus Account   [1:00 - 1:36] Welcome to Season 2. We want to look at work through the lens of money.    [1:37 - 1:57] We speak with Justin at Black Cat Espresso Bar - we talk about the history of coffee, ask if you can make money running a coffee shop, and if we should tip a barista.    [1:58 - 2:06] INTERVIEW WITH JUSTIN FROM BLACK CAT ESPRESSO BAR, follow him on instagram https://www.instagram.com/blackcatespressobar/   [2:07 - 5:32] Money mistake and money make-ups  - Wasting money at coffee shops, Airbnb, and buying paint cans twice   [5:33 - 8:05] People want to open their own coffee. Should they? What does a day in the life of a coffee shop look like?    [8:06 - 9:39] Justin’s background and how he opened up two coffee shops. Being a musician didn’t work out, but working in the service industry made sense. Always wanted to open a coffee shop   [9:40 - 12:19] What’s the coffee scene like in Toronto? First wave - Sidewalk Cafe - Zuccarini. Second wave is Starbucks. Third wave  - indie coffee shops. Hitting saturation point. Cafe con Leche. Hale Coffee. Saving Mondays.    [12:20 - 14:20 ] How do you succeed in a coffee shop? How do you stand out? All these shops are succeeding on Ossington, Dundas, etc. How does each one succeed? Maybe the sole owner lives off of corn flakes and beans. Driving past a place fully staffed - well, that’s a different level of success. Sam James. Wallace Espresso.    [14:21 - 15:30] Can you make enough money selling coffee? Sell one item with $4 profit is better than $1 on a coffee. You gotta think about what else you can sell.    [15:31 - 17:14] What are some tricks to be profitable? Breakfast sandwich wholesale. Find something else you can sell. It’s helped in a big way. Allowed me to expand. You gotta be competitive on price. Don’t worry about being too high on price.    [17:15 - 18:01] Don’t generalize yourself as a coffee shop. You need to be unique. Take out, sit-down, late night shows, good food. You need something proprietary. Best breakfast sandwich in the entire world.    [18:02 - 20:38] Appearances matter when selling coffee. New shiny truck. No one wants to see you show up in a dirty junky car. You need a clean vehicle. Was there a downturn because you look too fancy? Because you make too much money. Your customers don’t want to see you doing better financially than them. I need to do what’s good for me.    [20:39 - 23:27 ] Barista’s minimum wage. Is it fair? Are Barista’s valued? Australia vs. Canadian minimum wage. $14/hr + tips in a coffee shop in Toronto. But, it depends on how busy the coffee shop is and it will determine how good the tips are. $10-$100 per day in tips, but it depends.    [23:28 - 26:50] How much should you tip a Barista? Expectations shouldn’t be set. Tip for good service. Tip because you want to support them and the economy. You give a dollar to a bartender to unscrew a cap, but a barista makes latte art, chatting, multitasking and you don’t tip? They’re doing way more work. If you’re making cocktails, you need knowledge and skill so you should tip. Any barista is expecting to be tipped, but even they have a bad attitude - don’t tip. But if they treat you fairly and nicely, give them a tip. What goes around comes around.    [26:51 - 30:07] What do you think the future of Canadian coffee looks like? Third wave scene will eat up Starbucks, Tim Hortons, Second Cup, Timothy’s. Second wave is closing down. They’ll never go away, but they’ve turned into a weird version of McDonalds.    [30:08 - 34:36] Rapid fire questions - What’s in your wallet? Favourite app on your phone? Favourite book? If you could make one statement to the world, what would it be? Favourite food? Where are you in 5 years?   [34:37 - 37:03]  Ratehub.ca’s Project Decimal Financial tip for the week - you need a strategy for your paycheque. How to divide your money before it comes in.    [37:13 - 37:38] Thank you for listening.    [37:39 - 38:02] EQ Bank - our show’s sponsor - Check out the EQ Bank Savings Plus Account   [38:03 - 38:25] The fine print  

In this episode of Moms That Say F*ck, Alana and Dina sit down with Alyssa Furtado. Alyssa is the CEO and Founder of Ratehub. She has been regularly featured as a financial expert on CTV News, BNN, Global News, The Globe and Mail and the Toronto Star. Alyssa, Dina and Alana have a great time in this episode sharing stories and learning about pregnancy, business and everything in between. For more from Alyssa Furtado, please visit:ratehub.ca on the Webfacebook.com/ratehub on Facebooktwitter.com/alyssajrichard on TwitterFor more of Moms That Say F*ck, please visitmomsthatsay.com on the Webinstagram.com/momsthatsay on Instagram facebook.com/momsthatsay on Facebook*Warning- this podcast has a lot of F bombs in it. If you are around young children, we suggest headphones.**Disclaimer: All opinions of our guests are their own and in no way represent that of Alana Kayfetz of MomsToronto and or Dr. Dina Kulik. *

This is real money talk. Ratehub.ca's first podcast where we break down personal finance in a way everyone can understand. We want to answer your questions. We'll put you at ease with your finances with an educating show told in a fun and casual way. Listen up, and make smarter financial decisions. 

We talk to Moneysense's new editor-in-chief, Sandra Martin on repositioning itself for the future after Ratehub.ca purchased it from Rogers Media.

Alyssa is the Co-Founder of Toronto’s Ratehub Inc which owns and operates Ratehub.ca, an online comparison platform for mortgage rates, credit cards, deposits, and insurance. “I was doing some consultancy previously in the U.S. in the financial services and we were seeing consumers starting to... The post Comparisons Made for Saving with Alyssa Furtado – October 15, 2018 appeared first on Startup Canada.

On today's episode of Ideasex with Abacus, Ian and Jeff are joined by Kerri-Lynn McAllister. Kerri-Lynn is the CMO of Lift & Co. and was previously a member of the founding team at RateHub. Join the team as they get into conversations about the cannabis industry, being a woman in tech, and the future of the pet care industry.

Today we're chatting with Alyssa Furtado, co-founder of Ratehub Inc. and CEO of Ratehub.ca, the leading Canadian financial comparison site for mortgage rates, credit card deals, deposit rates and insurance. Alyssa and James Laird co-founded Ratehub Inc. in 2010 and have since grown the company to 70 full time employees. Under their leadership, Ratehub Inc. has launched its own in-house mortgage brokerage, CanWise Financial. We're talking to Alyssa about EOS (entrepreneurial operating system), a framework for setting and communicating goals across the company. People Leading People is the podcast where we get real with successful leaders about how they handle the people stuff. Read the full transcript here: https://soapboxhq.com/blog/management-skills/alyssa-furtado-on-people-leading-people If you like what you hear, subscribe to the whole season, and please give us ⭐️⭐️⭐️⭐️⭐️ in the reviews.

On this episode of The Backbone, I chat with Jennifer about: Her move into tech from EY and concurrently managing various brands at Ratehub; What Ratehub is all about; The learnings from raising a $12M Series A round; The biggest change as a finance leader of venture-funded company The importance of the finance function at a technology company --- Send in a voice message: https://anchor.fm/backbone/message

Alyssa Richard, Founder of RateHub.ca, talks to Andrew la Fleur about finding the best mortgage rate, and how condo investors can use her tool to increase profits. Alyssa also discuss a new tool coming to RateHub.ca Click here for show notes.Andrew la Fleur / Sales Representative416-371-2333 / andrew@truecondos.comhttp://www.truecondos.comhttp://twitter.com/andrewlafleurhttp://facebook.com/truecondos