The Green Effect: Recent Episodes
Stephen Green
Finance, life, business and everything in between! Interviews with different guests who are business leaders, finance experts, life coaches, and people who are just plain interesting! Oh, and maybe some stuff about mortgages. Music Credit: http://www.purple-planet.com
Fixed mortgage rates moved up this week — not by much, but enough to notice. In this episode, Waterloo mortgage broker Stephen Green traces the line from a trade dispute, to the bond market, to your mortgage payment, and then looks forward at where this market actually goes from here. IN THIS EPISODE: • Proposed 50% US tariffs on autos, dairy and alcohol — and whether CUSMA blocks them • The bond yield connection: why fixed rates followed, and by roughly how much • Bank of Canada's hold, June inflation, and what the next print could look like • Unemployment near 6.5% and why it's the number that matters most right now • CREA's lowered national forecast — with Ontario as the one bright spot • Waterloo Region: average price down 6.4%, sales down 2.9%, Cambridge sales up 15.2% • Single-family building permits near zero while rentals flood the supply pipeline • Stephen's mid-2027 bottom call and why he doesn't believe a crash is coming • First-time buyers: strong inventory, best affordability in years, and why your offer stands out • The strategy conversation to have before you buy with a home still to sell • Current fixed and variable rate landscape • Gifted down payments now appearing on more than half of first-time buyer files • Public service announcement: do not auto-sign your bank renewal letter KEY TAKEAWAYS: 1. Fixed rates follow bond yields — trade news reaches your mortgage faster than most people realize. 2. Employment is the foundation. Watch the unemployment rate more closely than the rate announcements. 3. Gradual and bumpy beats a boom. Smaller peaks and valleys are a healthier market than 2021 was. 4. If you're renewing, a letter from your bank is a starting point — not an offer you have to accept. Enjoying the show? Please subscribe and leave a 5-star review — it genuinely helps more Canadians find these breakdowns. WATCH & LISTEN: YouTube: https://www.youtube.com/channel/UCZwLHIk2V8EIkDeRVx4EjwA Apple Podcasts: https://podcasts.apple.com/us/podcast/the-green-effect-podcast/id1434969273 Spotify: https://open.spotify.com/show/6iKdA4EY2crIuYymE9SZd9 Questions about your renewal, purchase or refinance? Email stephen@thefinancialcollective.ca or call 519-500-1789. Stephen Green, Mortgage Broker — The Financial Collective | Better Mortgage Choice, FSRA Lic. #13496. General information only, not financial advice.
Your bank just mailed you a mortgage renewal letter — and signing it without advice could cost you thousands. This week, Waterloo mortgage broker Stephen Green explains why banks are pushing borrowers to sign on the dotted line with no guidance, and what to do instead. He also digs into the numbers shaping the Canadian market right now.
On this episode:
- Behind the June jobs report — seasonal youth hiring vs. 17,000 lost manufacturing jobs
- The housing market shift: 4 months of inventory and room to negotiate again
- Why RBC Economics says affordability is the best it's been in years
- What the Bank of Canada actually considers before moving rates
- Why Kitchener-Waterloo and London are at the centre of Ontario's job losses
- The renewal letter warning every Canadian homeowner needs to hear
Key takeaway: This is a market that rewards being informed and reasonable. Whether you're renewing, buying your first home, or just watching rates — know the numbers before you act.
If you enjoyed the episode, follow the show and leave a 5-star review — it genuinely helps. Got a renewal coming up? Reach out before you sign.
🌐 Website: thefinancialcollective.ca 📱 Follow: @thegreeneffectpodcast on Instagram, LinkedIn & Facebook
Stephen Green, Mortgage Broker — The Financial Collective | Better Mortgage Choice, FSRA Lic. #13496. For information only; not financial advice or a rate guarantee.
Chasing the HST rebate on a new-build home? Before you switch from resale to new construction, this episode walks Canadian homebuyers through the real risks. Mortgage broker Stephen Green covers the new-build HST rebate confusion nobody can answer yet, a short-term-rental HST trap that can cost second-home buyers thousands, and a mortgage renewal warning every homeowner should hear before their maturity date.
Then it's a full Canadian mortgage market update: why variable rates are popular again (and why they are NOT set-and-forget), where fixed rates and bond yields are heading, the balanced market in Kitchener-Waterloo and London, falling rents for investors, and OSFI's surprise cut to the domestic stability buffer.
In this episode: - First-time buyers pivoting from resale to new builds — and the speculation risk - The HST rebate on new construction: rebate vs. refund, and why nobody knows the rules yet - Buying a short-term rental as a second home — and the CRA HST trap - A renewal lender that won't offer an open term (and why you should always ask) - What to double-check when closing the week of June 29 - Variable vs. fixed rates in 2026 — and why you must monitor a variable - Kitchener-Waterloo & London: a balanced market with 3.5–4 months of inventory - Why rents are falling and what it means for investors - OSFI drops the domestic stability buffer to 3% — what it signals
Chapters: 0:00 Intro (take two) 1:30 First-time buyers & the new-build pivot 4:30 The HST rebate nobody fully understands yet 7:00 Short-term rentals & the CRA HST trap 10:30 Renewal warning: the "open term" lender problem 14:30 Closing the week of June 29 16:30 Variable rates: monitor, don't set-and-forget 20:00 Fixed rates & bond yields 22:00 Kitchener-Waterloo & London market update 23:30 Rents are down: investor reality check 26:00 OSFI & the domestic stability buffer 28:30 Wrap-up + Happy Canada Day
——— Book a free mortgage review with Stephen: https://refertogreen.ca/h2z Website: https://www.thefinancialcollective.ca/ Call/text: 519-500-1789 Instagram/TikTok @sgmortgageadvice · Facebook "Stephen Green Mortgages" · LinkedIn "Stephen Green"
New episodes every other Tuesday.
Stephen Green, Mortgage Broker — The Financial Collective. FSRA #13496. Serving Kitchener, Waterloo, London, Cambridge & all of Southwestern Ontario.
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The Bank of Canada held its overnight rate at 2.25%, but Canadian mortgage broker Stephen Green says the real story is what the Bank actually said, not the number. In this episode he breaks down the June 2026 Bank of Canada decision and what it means for Canadian mortgage rates and your renewal, why refinance appraisals are coming in way off, where fixed and variable rates sit today, and why he thinks Southwestern Ontario's economy is in a "slow bleed."
Chapters (estimated): 00:00 – Intro 00:45 – Middle-age dad mode, Under Armour & Costco 04:00 – Buying a house with a pool: the real monthly cost 09:00 – Bank of Canada overnight rate vs. your prime rate 13:00 – What Tiff Macklem actually said 17:00 – Southwestern Ontario's slow-bleed economy 20:00 – Market update: fixed vs. variable & bonds 23:00 – House prices & the coming scarcity squeeze 26:00 – The refinance appraisal problem 28:00 – The Claude AI / Cowork rabbit hole 33:00 – Wrap-up
In this episode: - How the Bank of Canada's 2.25% overnight rate differs from your bank's 4.45% prime - What Tiff Macklem actually said about inflation, energy prices, and the war - Market update: fixed rates in the low 4s, variable in the high 3s, stable bonds - Why single-family housing could get scarce in 2–4 years (and condos in 5–10) - The refinance appraisal problem — homes coming in $25K–$150K under expectations - Southwestern Ontario's squeeze: Conestoga, Hamilton, London, Brampton, Windsor - Buying a house with a pool? The real monthly cost nobody mentions - Stephen's deep dive into Claude AI / Cowork and what it's automating in his business
📌 Got a mortgage renewal coming up? Don't sign the bank's letter first. Book a free mortgage review: https://refertogreen.ca/h2z
Connect: Instagram/TikTok @sgmortgageadvice · Facebook Stephen Green Mortgages · LinkedIn Stephen Green
Stephen Green, Mortgage Broker — The Financial Collective. FSRA #13496.
The Green Effect | Season 6, Episode 12
We are back with a jam-packed episode of The Green Effect, and Stephen is pulling absolutely no punches today. From chaotic wine country weddings and frustrating credit card fraud to deep-diving into whether we are in a "real" recession or just a half-assed make-believe one, we are covering it all.
First up, Stephen shares a crucial warning on the rise of financial fraud. Learn the exact pattern scammers use to test your cards, why you need to stop texting or emailing your sensitive documents immediately, and the credit-monitoring tools that won't wreck your score.
Then, we unpack the mess that is the current Canadian market. What are the actual odds of a Bank of Canada rate hike? Stephen breaks down the numbers, looks at the rising household debt domino effect, and turns to Gemini AI to explain what a "technical recession" actually means for your wallet. Plus, we take a hard, honest look at the economic reality hitting Southwestern Ontario—from the tech sector layoffs in Kitchener-Waterloo to the automotive slowdown in Windsor.
Finally, we talk politics, policy, and property. With the CUSMA trade agreement looming, who is the best "poison" to get Canada out of this economic mess? And if you're a first-time homebuyer or looking to upgrade, Stephen shares the number one strategic mistake sellers are making in today's conditional-offer market.
In this episode, we discuss:
- How to easily dispute credit card fraud (and why scammers start small)
- Why mortgage brokers and clients need to stop emailing documents
- The domino effect: Household debt, delinquencies, and power of sales
- What Gemini AI says about the 0.1% GDP drop and economic panic buttons
- The economic "hot mess" across KW, London, Brampton, and Windsor
- Mark Carney vs. Pierre Poilievre: Stripping away the party lines for economic recovery
- Real estate reality check: Why buying before selling is getting people into trouble
Connect with Stephen:
- Leave us a 5-star review on your favorite podcatcher!
- Like, love, follow, and join the conversation in the comments below.
The Green Effect | Season 6, Episode 11: Spring Market Surge, Bond Yield Blues, and Navigating the Middle Class Squeeze
Fresh off a humid trip to Mexico, Stephen Green is back in the studio late on a Sunday night (coffee in hand!) to break down a week of massive, moving targets in the Canadian economic landscape. From a sudden explosion in local real estate activity to the sobering reality behind rising insolvency numbers, this episode cuts through the media noise to give you the raw, unfiltered truth about your money, your mortgage, and the market.
If you're feeling the pinch of everyday life right now—or trying to time your next real estate move—this is a must-listen.
In this episode, Stephen breaks down:
- The Spring Market Awakening: Why better weather is suddenly blowing the lid off pent-up demand, causing a surge in last-minute client appointments and quick offers.
- The Fixed vs. Variable Dilemma: What rising bond yields and global oil volatility mean for your fixed rates, and a crucial warning for anyone blindly jumping onto the variable bandwagon.
- The Truth About Consumer Insolvencies: A look at the rising trends in Ontario, why people are using credit cards for survival instead of points, and a judgment-free roadmap if you are secretly struggling to pay the bills.
- The Southwestern Ontario Economic Shakeup: How changing immigration patterns, Conestoga College layoffs, and spiking unemployment rates are hammering the Kitchener-Waterloo and London regions.
Stephen's Golden Rule This Week: If you are trying to curb uncertainty, get into a mortgage broker's office and lock something in. And if you're struggling? Don't let fear or embarrassment stop you from protecting your biggest asset. Drop the ego, avoid the bank knocking on your door, and reach out for help before it's too late.
Connect with Stephen Green & The Green Effect:
- 📱 Follow on Social Media for daily market updates and video insights.
- ⭐️ Love the show? Rate us 5 stars, leave a review, and share this episode with a friend who needs to hear it!
- 🏠 Need mortgage advice or debt solutions? Reach out today—no judgment, just real solutions. Let's see if we can help you navigate these crazy times.
"Life is stupid expensive."
In Season 6, Episode 10 of The Green Effect, Stephen Green cuts through the noise of the latest Bank of Canada meeting and the quarterly monetary report to explain what's actually happening on the ground for Canadian homeowners and investors. We're in a market defined by "fragility," and if you aren't prepared for the hidden costs of real estate, you're flying blind.
Stephen dives into the "supply and demand" story that no one is telling—from the massive glutton of rental inventory hitting the market to the plummeting numbers of single-family building permits. Plus, we explore why the "COVID generation" is facing a massive disadvantage in today's economy and how AI and automation are shifting the employment landscape for our youth.
In this episode, we unpack:
- The Bank of Canada Stance: Why the "comments" matter more than the rate itself right now.
- The Oil Factor: How 20% of the world's oil flow through the Strait of Hormuz dictates your cost of living.
- The Rental Reality: Why rents are dropping across Ontario and BC while the Atlantic provinces see a surge.
- The Advice Gap: Why banks are "lobbying" rates at consumers without a plan—and why taking the lowest rate could cost you thousands in the long run.
- The Parent's Perspective: A look at how the current recession (or "recession-adjacent" reality) is impacting the next generation of homebuyers.
Whether you have a renewal coming up or you're trying to make sense of the new HST rebate confusion in Ontario, this episode provides the grounded, expert perspective you won't get from a bank's automated email.
Connect with Stephen Green:
- Instagram: @sgmortgageadvice
- TikTok: @sgmortgageadvice
- Website: The Green Effect Podcast
If you enjoyed this episode, please leave a five-star review! It helps us keep the lights on and the coffee brewing.
Navigating the Real Estate Market in Uncertain Times: Insights and Strategies
Are you feeling overwhelmed by the current state of the real estate market? You're not alone. Between escalating global tensions and a volatile bond market, the housing landscape is shifting beneath our feet. In this episode of The Green Effect, we pull back the curtain on how international events—like the recent tensions in the Middle East—directly impact the gas you put in your car and the mortgage rate you sign on your home.
Stephen Green breaks down the complexities of today's market, offering a grounded perspective for first-time buyers and seasoned investors alike. We dive deep into the newly introduced Canadian HST rebates for new builds, exploring whether they truly offer the affordability boost they promise or if they're just another layer of market complexity.
In this episode, you'll discover:
- The Global Ripple Effect: Why 20% of the world's oil flow matters to your fixed mortgage rate.
- Market Volatility vs. Consumer Confidence: How to stay steady when the bond market reacts to the news cycle.
- The HST Rebate Deep Dive: What the new government incentives mean for your pocketbook on a new build.
- Actionable Strategies: Why "staying informed" is your best defense against paralysis by analysis.
Whether you're ready to pull the trigger on a new home or you're waiting for the dust to settle, this conversation provides the clarity you need to move with confidence.
Connect with Stephen Green:
- Instagram: @sgmortgageadvice
- TikTok: @sgmortgageadvice
Don't forget to subscribe and leave a review if you found today's insights helpful!
The Canadian real estate and mortgage markets are changing by the minute, and sitting on the sidelines waiting for a better deal could be costing you thousands of dollars.
Welcome back to Season 6, Episode 8 of The Green Effect.
In this episode, Stephen breaks down the current buffet of news impacting your wallet and your home. With global events directly affecting inflation and borrowing costs, we cover exactly what you need to know to protect your investments and stop playing the waiting game.
What You Will Learn In This Episode:
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Global Inflation's Impact: How overseas conflicts and restricted oil production are driving up inflation, pushing bond yields higher, and causing fixed mortgage rates to spike.
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Fixed vs. Variable Rate Risks: The danger of taking a variable rate right now if it's not right for you, just because the initial number is lower.. and why locking in a rate is your best protection.
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Navigating Tough Scenarios: Real-world, actionable steps to take immediately if you experience job loss or find yourself dealing with an unmanageable mortgage.
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The Return of Bidding Wars: Why real estate agents are suddenly listing below true market value to spark multiple offers, and how buyers should adjust their strategies.
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The New HST Rebate Explained: Unpacking Ontario's new HST rebate on new builds, who actually benefits from it, and its potential ripple effect on resale home prices.
Stop guessing with your biggest asset and hoping for the best. Talk to a licensed mortgage professional, formulate a concrete strategy, and lock your rate today. If you found this episode helpful, please like, subscribe, and leave a five-star review!
Have a question or a topic you want covered next? Drop it in the comments below!
Welcome back to The Green Effect, Season 6, Episode 7!
One would argue we are witnessing history right now, and it is having a massive domino effect on the Canadian economy, inflation, and your mortgage. This week, we are breaking down exactly what the Bank of Canada is doing, why bond yields are spiking to 14-month highs, and why I spent my weekend locking in rates.
If you are a buyer, seller, or real estate professional, you cannot afford to miss this episode. We are also diving deep into the demographic shifts you need to understand, including why Millennials are the hottest buyers on the market.
In this episode, we cover:
- The Inflation Domino Effect: How rising global tensions and oil prices are threatening the economy and why businesses will pass those costs on to you.
- The Bond Yield Spike: Why fixed-rate mortgages are jumping rapidly and why you need a mortgage broker who will protect you by locking your rate immediately.
- The Bank of Canada's Admission: Carolyn Rogers' surprising comment about why Canadian house prices have to come down, and how this affects different demographics.
- The First-Time Home Buyer Boom: Why the 25-29 demographic is the most critical cohort for sellers right now.
- The Immigration Shift: How the drop in temporary visas is affecting the market.
If your mortgage broker didn't call you this weekend to lock in your rate, you need to listen to this—and then give me a call.
Check out my socials!
Tiktok @sgmortgageadvice
Instagram @sgmortgageadvice
Facebook @StephenGreenMortgages
LinkedIn @Stephen Green
We might have lost an hour to daylight savings time this weekend, but we are gaining a ton of clarity on the current Canadian real estate and mortgage market. In Season 6, Episode 6 of The Green Effect, we are cutting through the global uncertainty and media noise to look at the actual statistical data driving your mortgage rates and housing prices.
In this episode, we cover:
- The Power of Forward-Leading Indicators: Why following the headlines is a mistake.. but how tracking the statistical data happening in real time helps us try and determine what's happening. Follow the 5-year Government of Canada Bond Yield.
- Reverse Mortgages Explained: Why downsizing and purging is the biggest hurdle for baby boomers, and how reverse mortgages can be a powerful tool when executed correctly.
- The 2026 "Double Cohort" Renewal: If you locked in at 1.0% in 2021 or took a 3-year fixed in 2023, your renewal is here. We break down the data on payment increases, dropping debt-to-income ratios, and why you should never blindly sign your bank's renewal letter.
- Real Estate Investing has Shifted: The old "buy and rent" model is dead. Discover why savvy investors are pivoting to Additional Dwelling Units (ADUs) and multiple income streams.
- Why First-Time Buyers are Gold: With high inventory and a thaw in consumer confidence, first-time homebuyers hold all the cards. Plus, we look at the exact regions (like Waterloo, London, and Hamilton) that have seen the biggest drops from peak pricing.
Remember, if your mortgage broker is not checking in with you regularly and analyzing the numbers, it might be time for a second opinion.
Connect with Stephen Green: Search @SGMortgageAdvice everywhere you get your social media content! If you found this breakdown helpful, please leave a 5-star review, like, and subscribe for more data-driven mortgage and real estate insights.
Welcome to Season 6, Episode 5 of The Green Effect Podcast!
Stephen is bringing the heat on some massive updates in the Canadian mortgage and real estate market.
In this episode, we dive into a brand new pilot program working directly with the Canada Revenue Agency to combat mortgage fraud. If you are a real estate investor or a landlord, this is a must-listen. We also break down the latest inflation numbers, why your grocery bills are still high, how Stephen slashed his cell phone bill, and the reality of falling rents across most of Canada.
What We Cover in This Episode:
- The New Anti-Fraud Tech: A look into a new CRA software pilot attempting to stop fraudulent income documents.
- Retail & Inflation: Q4 retail sales, consumer confidence, and breaking down Canadian headline inflation versus sticky grocery prices.
- Cost-Cutting Realities: Where Canadians are cutting back in 2026.
- The Rental Market Shift: Why rents are dropping across most of Canada and what real estate investors need to do to protect their cash flow.
- Mortgage Rate Update: The current state of fixed mortgage rates and alternative lending options.
If you found value in this episode... Like, subscribe, and leave a 5-star review!
Instagram: @sgmortgageadvice
Tiktok: @sgmortgageadvice
Facebook: Stephen Green Mortgages
In this episode of The Green Effect, Stephen Green breaks down the current realities of the Canadian mortgage landscape. We dive deep into the often misunderstood world of private mortgages—exploring the high risks and potential rewards involved.
We also unpack the latest market statistics for nearby Ontario regions revealing why understanding your local trend line is critical whether you are buying or selling. Plus, we discuss a major hurdle facing the economy: youth unemployment and its long-term impact on the housing market.
Finally, we tackle the topic of generational wealth, offering strategies for parents looking to support their children in purchasing their first home.
In this episode, we cover:
- The Private Mortgage Trap: Why you need to mitigate your risk.
- The Stress Test: How it currently impacts your borrowing power.
- Market Watch: Detailed real estate stats for Waterloo and London / St. Thomas.
- Generational Wealth: Practical advice on how to help the next generation enter the property market.
- Job Market Impact: How unemployment rates are shaping housing trends.
#CanadaRealEstate #CanadianMortgages #HousingMarketCanada #MortgageRates #PrivateMortgages
In this episode of The Green Effect, Stephen Green dives deep into the major financial shift coming in 2026: the massive wave of mortgage renewals. Stephen breaks down why blind loyalty to your bank could cost you thousands, and the importance of always doing your research and exploring your options.
We also analyze the latest Canadian market trends, including rising mortgage delinquencies in Ontario, the decline in single-family building permits, and what the drop in immigration means for rental demand. Whether you are a homeowner preparing for renewal or an investor trying to cash-flow in a fluctuating market, this episode provides the critical data you need to protect your assets.
Key Takeaways
- The 2026 Renewal Wave: A massive volume of mortgages are up for renewal soon; understanding your rate options is critical.
- The Creditor Insurance Trap: Why bank-provided mortgage insurance is often harder to claim than independent policies.
- Market Warning Signs: Mortgage delinquencies are rising, specifically in Ontario, signaling financial stress for many households.
- Inventory Shortage: Single-family building permits are down, which will likely squeeze inventory in the coming years.
- Rental Market Shift: While rental starts are up, demand is softening due to lower immigration targets.
#CanadianRealEstate #MortgageRenewal #RealEstateCanada #MortgageTips #HousingMarket
Are you bleeding money on streaming services? It might be time for a hard reset.
In this episode of The Green Effect, Stephen Green gets personal about the "subscription creep" that hits most of our bank accounts. He shares his recent strategy that drastically slashed his monthly streaming bill and offers practical advice on how you can audit your own expenses to save significant cash every month.
But it's not just about saving money; it's about understanding the economy we are living in right now. Stephen takes a somber but necessary look at the current global climate and the emotional weight it carries. We dig into the reality of the Canadian economy, specifically the struggles in the youth job market and what the Bank of Canada's latest moves mean for your financial future.
Finally, is it actually a buyer's market? Stephen wraps up with critical advice for potential homebuyers, explaining why "emotional readiness" is just as important as financial readiness when navigating real estate today.
In this episode, we cover:
- The Subscription Audit: Practical steps to cut monthly costs without completely sacrificing entertainment.
- The Canadian Economy: A look at job market struggles and the rise in youth unemployment.
- Bank of Canada: Insights into economic predictions and interest rates.
- Real Estate Reality Check: Why research beats timing the market, and how to know if you are ready to buy.
Quotes from this Episode:
"I brought our subscription services down... I probably saved myself 150 to 200 bucks a month." "Do your research, understand what you're buying."
"If you are emotionally ready, buy a home."
The Green Effect is back.
After an 8-month hiatus, Stephen Green returns to the mic to discuss why the podcast paused, how content strategy is evolving, and why deep-dive conversations matter more than ever in a world of short-form clips.
But this episode isn't just about media—it's about the market. Stephen breaks down exactly what the Bank of Canada is doing (and what they aren't doing) and how that impacts your wallet. We look at the startling data behind Canada's shrinking population dynamics, why Ontario and BC are seeing an exodus, and why we are officially sitting in a "Buyer's Market."
Plus, if you are struggling with the age-old question of Fixed vs. Variable, Stephen cuts through the noise to help you understand risk tolerance and rate realities.
Key Topics Covered:
- Content Strategy: Balancing the viral short-form clips with the necessity of long-form depth.
- The Bank of Canada: Demystifying their "one job" and how it actually affects the prime lending rate.
- Population Dynamics: How immigration changes and population shrinkage are cooling housing demand.
- Real Estate Reality: Why it is currently a buyer's market and what that means for investors and homeowners.
- Mortgage Advice: A no-nonsense look at fixed vs. variable rates and how to assess your personal risk.
Quotes from the Episode:
"Bank of Canada has one job only." "We are officially shrinking, okay?" "It's a buyer's market."
🎙️ The Green Effect Podcast - Season 5 Premiere! 🚀 Join host Stephen Green as he kicks off Season 5 with special guest Scott Shea, the ‘Right Sizing Expert’ in real estate! 🏡💡 Trend to "Right Size" Homes | Commercial Interests | Branding & Elite Service Offering | Generational Wealth Transfers In this episode, we dive into: ✅ The emotional challenges of moving & downsizing. ✅ Generational wealth transfer & its impact on real estate. ✅ The shift towards smaller, more affordable homes. ✅ Why relationships, integrity & trust matter in business. ✅ The future of real estate in a skill-based, relationship-driven market. Don’t miss it! 🎧 #TheGreenEffectPodcast
📢 New Podcast Episode Alert! 🎙️ 🎙️ Season 4, Episode 25 of The Green Effect Podcast 🎙️ Stress Test Free Switch Fiasco | Major Bank Involved in Law Suit | Unemployment Rate Impacts | Tiffyboy: Santa or Scrooge? Hosted by Stephen Green, this episode dives into the latest insights shaping Canada’s financial landscape: 📌 The impact of Bank of Canada announcements on mortgages 📌 New stress-test-free mortgage switching regulations 📌 Scotiabank’s automatic renewal process explained 📌 Economic health indicators, including unemployment trends 📌 The implications of high household debt and interest rate cuts Don’t miss out on expert advice to navigate mortgage renewals, manage holiday spending, and plan for 2025! 🎧 Listen now wherever you get your podcasts. 🎙️ #TheGreenEffectPodcast #StephenGreenPodcast #MortgageAdvice #BankOfCanada #InterestRateUpdate #CanadianEconomy #EconomicInsights #RealEstateFinance #FinancialHealth #MortgageRenewals #HouseholdDebt #UnemploymentTrends #ScotiabankTips #StressTestExemption #EconomicForecast #FinancialAdvice #TopMortgagePodcast #HolidaySpendingTips #PlanAhead #PodcastInsights #RealEstateTips #CanadianFinance #TopProducers #TheFinancialCollective #NavigateYourFinances Instagram, YouTube, Facebook, TikTok: stephengreen.ca
📢 New Podcast Episode Alert! 🎙️ 🌟 Green Effect Podcast Season 4, Episode 24 🌟 JT and Disney+ Lady Spending Money They Don't Have | Truth Behind the New Stress Test-Free Mortgage Switches | Singing About Fraud on Social Media In this engaging episode of The Green Effect Podcast, Stephen Green dives into the latest economic and real estate developments in Canada, with his signature mix of humor and no-nonsense analysis. Stephen dissects the federal government’s GST holiday, highlighting its short-term benefits and potential long-term consequences, including inflation and economic strain. He critiques the logic of offering tax breaks while the country faces a significant deficit, calling it a "wolf in sheep’s clothing." He emphasizes the need for better allocation of resources, such as investing in housing solutions. Shifting gears, Stephen explores the recent mortgage stress test policy changes. While eliminating the stress test for straight mortgage switches at maturity is a step forward, he critiques the rule’s limited scope and exclusion of monoline lenders and credit unions. He notes that this policy, while promising on the surface, is unlikely to revolutionize the mortgage market. Stephen also discusses shifting consumer sentiment, the rise in first-time homebuyer activity, and upcoming regulatory changes, such as the 30-year amortization option for buyers with less than 20% down. Finally, Stephen calls out misinformation on social media, warning listeners to critically evaluate posts about "cash flow-positive" properties that may misrepresent the realities of mortgage regulations. With sharp insights and candid commentary, this episode is a must-listen for anyone navigating Canada's housing and economic landscape. #TheGreenEffectPodcast #CanadianEconomy #RealEstateTrends #MortgageUpdates #GSTHoliday #EconomicInsights #HomeBuyingTips #MortgagePolicy #HousingMarket2024 #FirstTimeHomeBuyers #RealEstateInvesting #FinancialPlanning #StressTestChanges #MortgageAgentLife #ConsumerSentiment #CashFlowProperties #CanadianHousingCrisis #GovernmentPolicies #HousingAffordability #PodcastLife #MortgageAdvice #RealEstateNews #MarketAnalysis #InflationImpact #StephenGreen Instagram, YouTube, Facebook, TikTok: stephengreen.ca
🌟 Green Effect Podcast Season 4, Episode 23 🌟 Podcast Update | Trump Impacts on Canada and Beyond | Current Mortgage State and Rates | Reaching out for help. In this episode of the Green Effect Podcast, Stephen Green discusses the evolution of his podcast, the current political landscape with a focus on Donald Trump, and the economic impacts of his policies. He delves into the housing market dynamics, emphasizing the importance of working with knowledgeable mortgage professionals, and highlights the significance of consumer sentiment in financial decision-making. Green also shares personal insights on managing ADHD and the necessity of seeking help in financial matters. Instagram, YouTube, Facebook, TikTok: stephengreen.ca
🌟 Green Effect Podcast Season 4, Episode 22 🌟 Unemployment Stats - True Meaning | Market Update - Months of Inventory | Temporary Workers - Impacts | Pointless 30 Year Am for New Builds and First TIme Homebuyers In this episode, Stephen Green discusses various topics related to the economy, employment, and housing market. He provides updates on the unemployment rate, particularly for young people, and highlights the challenges faced by students in finding summer jobs. He also talks about the high immigration rate in Canada and its impact on the economy. Additionally, he discusses the role of the Office of the Superintendent of Financial Institutions (OSFI) in regulating banks and the delay in implementing minimum capital requirements. Stephen also shares his insights on the current housing market and offers advice for first-time homebuyers.
📢 New Podcast Episode Alert! 🎙️ 🌟 Green Effect Podcast Season 4, Episode 21 🌟 Future of Real Estate Agents and Mortgage Brokers | A BUILT Business on Social Media | Developing Your Brand We have TWO incredible guests! In this episode, Madelyn Townes, Real Estate Agent from Remax, joins Lacey Morrison and I. Madelyn shares her incredible journey of leveraging social media, particularly TikTok, to skyrocket her real estate business. 📈🏡 Our co-host Lacey of The Broker Social fame, adds valuable insight from her side of the business where she helps agents grow their business through social media. Madelyn opens up about her initial struggles in the industry and how going viral on TikTok changed everything. She emphasizes the power of relatability and authenticity in connecting with modern consumers. 💡✨ Madelyn and Lacey dive deep into the significance of being authentic and unapologetic in the real estate world. They break down preconceived notions, share tips on handling negative comments, and highlight the importance of staying informed to create engaging content. 🌟🗣️ Tune in as she discusses the future of the real estate industry, the importance of providing value beyond transactions, and the challenges of personal branding and evolving partnerships. 🤝📲 Don't miss out on this inspiring and informative conversation! 🎧✨ #RealEstateJourney #TikTokSuccess #AuthenticBranding #RelatableContent #SocialMediaGrowth #ModernConsumers #RealEstateIndustry #ValueBeyondTransaction #PersonalBranding #Partnerships #StayInformed #EngagingContent #RealEstatePodcast #InspiringJourney #ViralSuccess #RealEstateTips #ClientRelationships #HandlingNegativity #UnapologeticallyYou #BuildingTrust #CreatingContent #ValuableAdvice #FutureOfRealEstate #PodcastEpisode #ListenNow #MadelynTowns Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE! Season 4 - Episode 20 New format - REALLY LIVE! | Increased Volumes | What will Tiffyboy do? | Inflation Report Recap | Appraisal Trends 🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the challenges and rewards of entrepreneurship. 🏡 🎙️ 🔍 In This Episode: * 🏡 Updates on the real estate market: increased listings and buyer-seller negotiations. * 📊 Analysis of recent unemployment numbers and the potential actions of the Bank of Canada. * 👥 A sneak peek at upcoming episodes featuring real estate agent Madelyn Townes and social media expert Lacey Morrison.
Don’t miss out on these valuable insights! 🎧 Listen now on your favorite podcast platform.
The Green Effect Podcast is LIVE! Season 4 - Episode 19 Building a Brand and Business | Canadian June Unemployment Stats | The Current Housing Market | Tiffyboy and What He's Thinking for July 🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the challenges and rewards of entrepreneurship. 🏡 🎙️ 🔍 In This Episode: * 🏡 Updates on the real estate market: increased listings and buyer-seller negotiations. * 📊 Analysis of recent unemployment numbers and the potential actions of the Bank of Canada. * 👥 A sneak peek at upcoming episodes featuring real estate agent Madelyn Townes and social media expert Lacey Morrison.
Don’t miss out on these valuable insights! 🎧 Listen now on your favorite podcast platform. #GreenEffectPodcast #PodcastRelease #Season4Episode19 #StephenGreen #SelfCare #Entrepreneurship #RealEstateMarket #MortgageBroker #UnemploymentAnalysis #BankOfCanada #RealEstateUpdate #BuyerSellerNegotiations #BrandEvolution #BusinessChallenges #RealEstateAgent #SocialMediaExpert #MadelynTownes #LaceyMorrison #PodcastSeason4 #PodcastCommunity #NewEpisode #StayInformed #RealEstateNews #EntrepreneurLife #MarketUpdates #PodcastAnnouncement #ListenNow Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE! Season 4 - Episode 18 Social Media Impact for Realtors | Challenges for First Time Homebuyers and the Condo Market | The Current State of the Housing Market | Clients First and the Client Experience Join host Stephen Green and guest host Bryan Braga, Mortgage Agent with The Financial Collective on the latest episode of the Green Effect Podcast as they sit down with Realtor Scottie Henderson. 🎙️ 🔍 In This Episode: * 📲 The importance of originality in social media marketing. * 🏡 The evolution of Scottie’s real estate career. * 💡 The impact of social media on selling houses. * 📊 Tracking the effectiveness of marketing strategies. * 📉 The current state of the real estate market, especially in the condo sector. * 💰 The challenges faced by first-time homebuyers and the over-saturation of the condo market. * 👥 How friends and families are pooling resources for larger property purchases. * 📈 The significance of long-term investment strategies in real estate.
Tune in to gain insights on navigating today’s real estate challenges and the power of authentic marketing! 🎧 Listen now on your favorite podcast platform. #GreenEffectPodcast #StephenGreen #ScottieHenderson #BrianBraga #RealEstate #SocialMediaMarketing #Authenticity #MarketingStrategies #RealEstateMarket #CondoMarket #FirstTimeHomeBuyers #InvestmentStrategies #BuyersMarket #RealEstateTrends #Condos #PropertyInvestment #LongTermInvesting #FamilyInvesting #OriginalContent #SellingHouses #SocialMediaImpact #Metrics #TrackSuccess #PodcastEpisode #ListenNow #RealEstateInsights Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE! Season 4 - Episode 17 In the latest episode of The Green Effect Podcast, Stephen Green dives deep into some of the most pressing topics affecting the Canadian real estate market and economy: 🏦 Bank of Canada's Rate Drop: How will this impact your mortgage and the housing market? 🏡 Affordable Housing: Insights on Justin Trudeau's latest comments and their potential effects. 📊 Employment Numbers: What do the latest figures mean for Canadians and the economy? 🏠 Property Appraisals & Additional Dwelling Units: How these changes could benefit homeowners and investors. Tune in for expert analysis and stay informed on how these developments might affect you! #TheGreenEffectPodcast #RealEstate #CanadianEconomy #BankOfCanada #MortgageRates #HousingMarket #AffordableHousing #JustinTrudeau #EmploymentNumbers #PropertyAppraisal #AdditionalDwellingUnit #ADU #HomeInvestments #CanadianRealEstate #Podcast #StephenGreen #Finance #EconomicInsights #HomeBuyers #RealEstateInvesting #Homeowners #MarketTrends #MortgageBroker #RealEstateNews #PropertyManagement #CanadianPolitics Instagram, YouTube, Facebook, TikTok: stephengreen.ca
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Season 4 - Episode 16
The Power of Social Media | The Power of Partnerships and Referral Sources on Social Media | Authenticity and Relatability in Social Media Content
In this episode of the Green Effect Podcast, Stephen Green interviews Lacey Morrison, the founder of Broker Social Club. Lacey shares her journey of transitioning from being a mommy influencer and goldsmith to becoming a social media expert for mortgage brokers. She emphasizes the power of social media in building communities and establishing trust with potential clients. Lacey encourages authenticity and relatability in social media content, rather than focusing solely on marketing. She also discusses the importance of consistency and patience in building a social media presence. Lacey advises new mortgage brokers to focus on building relationships and trust with their target audience. In this part of the conversation, Lacey and Stephen discuss the topics of being offended, cancel culture, and the importance of being mindful of what you say online. They also talk about the value of building a community on social media and the potential risks and benefits of using social media as a mortgage broker. Lacey shares her experience of dealing with online harassment and emphasizes the importance of privacy and security measures. Building solid partnerships and referral sources is key to growing your business on social media. It's important to create content that speaks directly to your target audience and also appeals to potential referral partners. Authenticity and consistency are crucial in gaining trust and building relationships. Boosting high-value content can be more effective than spending money on Facebook ads. Organic reach and engagement are valuable in attracting and retaining clients.
Instagram, YouTube, Facebook, TikTok: stephengreen.ca
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Season 4 - Episode 15
Real Estate Investing, Joint Ventures, Kingston Real Estate, Successful Student Rentals with René Masse, Investor/Realtor/Coach/Entrepreneur
On this week's edition of The Green Effect Podcast, we have Rene Masse…or whatever his name is! Rene is a successful investor in the Kingston area as well as a realtor in Ontario. We talk about what a successful residential rental property looks like as well as the advantage of working with student tenants. We talked business in general and how he ended up in this line of work. Finally, I give Rene and unlimited budget to fix the Ontario landlord-tenant board…listen for his solution!
Make sure you take a listen to Rene's podcast The Rene Masse Podcast…especially Season 5, Episode 15!
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Season 4 - Episode 14
Current State and Future of Mortgage Broker Technology with Tom Hall, Co-Founder, Blu Mortgage!
Very excited to have Tom Hall, Co-Founder of Blu Mortgage visits The Green Effect Podcast! Tom and his company are leading the industry with incredible mortgage technology solutions. Their Blu Mortgage platform is an industry leading solution for top performing mortgage agents and brokers in Canada. Pathway Pro, The Financial Collective's Top Level Mortgage Agent Platform is built on Blu Mortgage.
Tom and I talk about the current state of mortgage technology in Canada as well as where he sees the biggest gaps on the technology side of mortgage brokers. We talk about where he sees the industry going as well as a great discussion on which mortgage brokers will truly make it in the industry going forward. Finally, we chat about automation, what it means to mortgage brokers, and how powerful it could be to deliver an exceptional client experience. If you are a mortgage broker, agent, specialist, professional, you need to listen to this podcast!
Make sure you take a listen to Tom's podcast Mortgage Tech Talks.
Instagram, YouTube, Facebook, TikTok: stephengreen.ca
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Season 4 - Episode 13
Mother's Day Weekend | Mortgage Broker Fined for Fraud | Canada Post Woes | Jobs Numbers - Good but Bad | Tenant Ordered to Pay A LOT of Money for Non-Res Landlord
In this episode, we explore a bunch of stuff starting with the joy of Mother's Day Weekend. We'll discuss how my wife and I spent our day…watching a roast! Switching to a tougher topic, we'll dive into the recent scandal of a mortgage broker fined for significant fraud, dissecting the details of the case and its repercussions on the industry and trust in financial professionals. The conversation then turns to the latest difficulties at Canada Post, where they're kind of out of money with a declining usage rate. On the economic front, the new jobs report reveals a good news/bad news situation —promising numbers shadowed by underlying economic concerns. We'll break down what this means for the average worker and the economy at large. Finally, we cover a contentious legal decision where a tenant has been ordered to pay a substantial amount to a non-resident landlord, sparking debates on tenants' rights and property laws.
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Season 4 - Episode 12
Federal Budget Fallout | Rates. Up? Down? Sideways? | Death of the Middle Class | 3.9 Million Homes? | Now What?
Join me this week as we dissect the most pressing economic issues. First, we delve into the recent federal budget's fallout—what it means for the economy and how it affects you. Then, we'll break down interest rates: Are they going up, down, or holding steady in this unpredictable financial climate? I'll also discuss the alarming trends contributing to the death of the middle class, and what policies might help revive it. Plus, we'll explore the reality behind the headlines of 3.9 million homes and which planet Disney+ Lady and J.T. are living on this week. Tune in for insightful analysis and thoughtful debate on where we go from here!
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Season 4 - Episode 11
Market Update - Housing are moving! | Halal Mortgages - Clarity | Stupid Things My Prime Minister Says | Housing Thoughts and Where We are Going
We start the podcast this week with our usual market update going through the happenings of offers on homes and mortgage rates. We then begin to break down the federal budget that was released. We need to dispel the misinformation about Halal Mortgages. From there, we break into talking about where our housing numbers and behaviours are right now before we can really understand how much of a disaster this federal budget really could end up being. This is one of our bigger thought-provoking podcasts. Love to hear your comments.
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Season 4 - Episode 10
Guest Appearance with Bryan Braga, Mortgage Agent with The Financial Collective!
Bryan visits us to talk about his journey as a new Mortgage Agent in this insane market. We chat about COVID and the impact on all people who were looking to grow their careers at that time. Dive into the circle of life: Go to school, work, retire, and die…but, can you break the cycle? We go over his thoughts on the market specifically for millennials. Bryan is one of the only people who really understands starter homes, so we talk about it! Finally, how he sees the mortgage world and mortgage brokering evolving.
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Season 4 - Episode 9
Monitor problems | Social Media Consultant | Market Chat | Employment Numbers | CMHC Predictions | Bond prices and fixed rates
Nuts-o week! I hit on all three of The Green Effect Podcast's main topics…Finance, Life, and Business. I start by talking about my new and incredible experiences with a social media consultant. I then give an update on the real estate market and all the insane things that are going on. Canadian employment numbers are out and CMHC comes out with some very interesting predictions over the next couple of years around house prices. Finally, let's talk rates…because who doesn't love talking about where rates are going to go and the bond market.
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Season 4 - Episode 8
Market Update - BIG Shifts! | Shameless Plugs on Programs: TFCMP.ca and PremierePartner.ca | Immigration Number CHANGES! | OSFI is ALIVE and Talking!
Really interesting week in the market…things are very much picking up and we talk about it. We've got some incredible new programs that we also chat about that you need to know about! We finish with two humungous announcements around lowering immigration numbers in Canada as well as OSFI coming to the table with some changes for mortgage lending into 2025.
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Season 4 - Episode 7
Market Talk | The B.O.C. Announcement - Now What? | Economy Worst Than Appears? | Rental Property Challenges
Let's talk what is going on in the market! Multiples, over list price, going firm. Like it's 2021 all over again! Is the economy worst than things appear? We have high debt to income household debt and high business insolvency…not good. The B.O.C. and their thoughts on the housing market NOT being their problem.
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Season 4 - Episode 6
The B.O.C. Rate Announcement | Quarterly Bank Earnings | Turnover Rents Up HUGE! | First Timer Incentive Axed | Rate Talk
It's Bank of Canada Rate Announcement Week…almost as exciting as Super Bowl Week! What are they going to do? Quarterly bank results are out…who are the winners and losers. Hint, the casino always wins! Turnover rents are through the roof…what is the big picture impact? And finally, the Feds get rid of that crazy share-ownership program. Blah!
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Season 4 - Episode 5
Personal Update | Inflation and Interest Rates | New Home Construction and Immigration | Fraud at HSBC
We start with a personal update about me and my messed up world. Then move on to Canadian inflation talk which of course becomes interest rate talk. New home construction way down…shocker! But what role will a reduction in international students play? And finally, RBC's door prize for buying HSBC, HSBC is in some hot water over fraud allegations. Fun.
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Season 4 - Episode 4
Personal Surgery Update | Roller Coaster Ride of Canadian Unemployment, US Inflation, and Tiffyboy Speaking | Mortgage Renewal Planning and Mortgage Planners
Crazy week. Just crazy. Had an important surgery canceled, unemployment numbers and inflation are all over the place, and then Tiffyboy won't shut up. Nuts. We unpack two very significant report announcements around Canadian unemployment numbers, and US inflation numbers that truly did have an impact on the economy. We also talk about the importance of mortgage planning and what I'm seeing from clients with existing mortgages, renewals, and refinances. Lots to talk about!
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Season 4 - Episode 3
Personal Updates | Rate talk…now what? | International Students and AirBNBs | What I'm seeing with mortgages | Crazy stats around new Canadians and housing starts
Had an up and down week…flooring, doctor, and lots-o mortgages. The B.O.C. had their rate announcement…boring but where are we going now? International Student admittance cap. When coupled with the AirBNB tax changes, all our housing problems are solved right? Finally, crazy stats revealed around new Canadians ratio to new housing starts…nuts!
Instagram, YouTube, Facebook, TikTok: stephengreen.ca
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Season 4 - Episode 2
Fun Mortgage Rates Talk | Foreclosures and Power of Sales | Immigration Change of Direction? | Federal Government Not Getting the Love
Let's talk mortgage rates and the emotional rollercoaster that they are. Foreclosures and Power of Sales are big…but are they? And who are they really impacting? Is Canadian Immigration going a completely different direction? It's possible. Finally, JT and Disney+ Lady not feeling the love of Canadians…but why?
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Season 4 - Episode 1
Happy New Year! | 2024 Predictions | Mortgage Rates and The B.O.C.'s choices | AirBNB Bans and Their True Impact…if any? | International Students | Housing in General
2024 is here…thank goodness! 2023 can just go f$#@ off! Let's talk about what 2024 has in store for us. Rates, mortgages, and immigration. Popular topics and all will impact the 2024 housing market. Sprinkle in some talk on AirBNB issues and you have a podcast that could prep you for 2024!
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Season 3 - Episode 40
International Student Changes Coming! | AirBNB - What's in Store for People with AirBNBs? | The B.O.C. and their non-move on rates | What's Next For Housing?
International students have changes coming to their requirements to be here in Canada…will that change things? AirBNB bans in major urban centres…will this bring a landslide of inventory to the market or more long term rentals and CRA windfall? Yeah, I was wrong on The B.O.C. rate non-movement…let's talk about who I blame. And finally, what's next for Canadian Housing Armageddon?
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Season 3 - Episode 39
SPECIAL EPISODE | Housing Hell - Video Review | Bank Quarterly Earnings | Loan Loss Provisions
VERY excited for this podcast. I bring the latest and greatest with the Banks' Quarterly Earnings…still making money! Also chat about Loan Loss Provisions and why no one should jump off any buildings just yet. The star of our episode is my side-by-side review of "Housing Hell: How we got here and how we get out.". Pierre Pollevre put this YouTube video out and you'll be shocked at the stats, numbers, and material…in an interesting way.
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Season 3 - Episode 38
Two topics: New Canada Mortgage Charter | October Inflation Report
We break down the New Canadian Mortgage Charter that was read at the Fall Economic Statement. Short Term Rentals Tax punishment, Not Building Enough Homes, and owing a bit of interest on their debt are the major topics. Then, we dive a bit into the October Inflation numbers. Gas down, everything else, still high.
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Season 3 - Episode 37
My week and my injuries | Take Care Of Maya Chat | The B.O.C. Dilemma | Efficient Immigration
Had a rough week with an injury…rough being a weekend warrior! I chat about the "Take Care of Maya" movie. The B.O.C. and their band of merry people…what's next? Is there a way we could have "efficient immigration" to make sure we can really address the lack of certain fields?
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Season 3 - Episode 36
Back to the solo gig! | Bank of Canada Accountment - Read Between the Lines | Federal Government - Backtrack Party | Rate Outlook and Should You Buy a House Right Now?
Back to the solo gig for this weekly episode! We dig a little bit deeper into The B.O.C. announcement. As folks over 45 will understand, it’s not about the pictures, t’s about the article. JT and Disney+ Lady doing the “backtrack dance“ in the Maritimes to make up for their previous sins. Finally, we talk about my outlook on interest rates, and I answer the question “should you buy a house right now?”. Funnest podcast you’ll listen to this week!
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Season 3 - Episode 35
Special Guest - Jonathan Pooley! | Starting a New Business | Surrounding Yourself with Success | Networking and Building Relationships | The Mortgage Agent Grind!
VERY excited to have the man himself, Jonathan Pooley, Mortgage Agent with The Financial Collective. Jonathan is a fantastic new agent that joined our team and his fearless ability to want to grow his business and deepen relationships is unparalleled. We talk about why the heck he chose mortgages. Jonathan talks about his early days trying to grow his business and how he views relationship building with partners and realtors. Finally, we talk about team and how he wants to surround himself with the right people. Great listen if you are thinking of getting into the mortgage game!
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Season 3 - Episode 34
Two weeks off - travel and almost died! | What's going on in the market? MOI, employment issues | Where are rates going now? | JT and people not liking him | Do NOT be ashamed to reach out for help!
Guess who's back? Had a couple of weeks off. Traveled, saw some things, almost died. You know, the usual. Market is here, there an everywhere and we unpack it for you. Rate predictions cause, well, it's what we talk about! JT has less friends…oh well. Finally, a reminder about seeking help when you need it.
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Season 3 - Episode 33
Phil Bailey, Real Estate Agent, House Sigma joins us!
Lots of Market Talk | The business in general | Family, kids, and forgiveness | Shocking questions asked!
Second half of our home-n-home series with Phil. Poor sucker had me on his podcast a couple of weeks ago so I'm returning the favour. We talk about a lot of general hot-button topics in the market. The London market and where he sees it going with investors. His history and how he got sucked into real estate. Finally, we talk family and try to give as much marital advice as possible.
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Season 3 - Episode 32
Golfing, Tech Conference, Apple Conspiracy | Feds Announce GST elimination on Rentals | Less People Want to Live in Canada | CMHC Report on Housing
Back to a solo video session for this week. We talk about my week last week with Golf Sponsorship and sitting at a hole for two days, the Zoho tech conference I attended, and my thoughts on an Apple conspiracy. JT and his cast of merry men and women announce a GST elimination on new rental housing builds. Stats out on people not wanting to live in Canada. Finally, CMHC comes out with stats around housing requirements and their numbers on house prices.
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Season 3 - Episode 31
Thoughts on The B.O.C.'s non-rate announcement | Rent To Home - What it is and isn't AND how it helps people | Thoughts on where the housing market is headed
Special Guest - Alfonso Salemi - Co-Owner/Co-Founder/Co-In Charge at JAGG Rent to Home
Very excited to have a great partner Alfonso Salemi on from JAAG. Rent to Home (Own) has had a wild ride on the last twenty years and Alfonso breaks down what this great program is and what it isn't. Lots of myths are out there due to some bad press and things that happened (NONE with JAAG) so Alfonso breaks down how this actually HELPS Canadians. On top of this, we talk about his growing family, his thoughts on the current market, and his predication for the next B.O.C rate hike….I mean…announcement. :)
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Season 3 - Episode 30
Special Guest - Brittany Dewing - Financial Broker and Coach! - @brittdewing_
Impact of the current market on people | Recruiting and leadership within a team | Insurance - why? | Entrepreneurship and finding a diamond in a pile of s#!+ | Investment vehicles and importance of planning.
I promised it and here we are, our first guest of the year and it’s the amazing Brittany Dewing! We talk about what she is seeing with her clients as rates continue to rise. She is a team leader, how does she recruit, what does she look for, and what does transparency mean to her. We also chat about Financial literacy, the importance of planning, and what generational wealth means. Finally, she shares her story and inspirational diamonds and, well…
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Season 3 - Episode 29
Mo Video, Mo Fun! | Feds get together for a slumber party in PEI | International Students - More or less? | Bank Quarterly Earnings - Good and bad | Current state of the market and rates
Still doing video…too much to stop! Feds have a sleep over in PEI…lots accomplished…lol…"lots". Are International Students our next target? Bank quarterly earnings…RBC and TD headlining the show. And my usual "high value" take on the market.
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Season 3 - Episode 28
Back to VIDEO! | Post Mortem on Inflation Increase | House Debacle | Where Does This End?
We are BACK on video! Thank to advice from a friend, The Green Effect Podcast is back with video as well. Check it out on our Youtube Channel: https://www.youtube.com/@sgmortgageadvice. Inflation went up…no kidding. How did this happen? Housing is a mess…who cleans this crap up? Finally, where and when does this end?
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Season 3 - Episode 27
New Housing and Immigration Ministers and why nothing will change | Next BOC Prediction | Why house prices will not crash | OSFI Changes to your HELOC
We have a new Immigration and Housing Minister…same story, different minister. What's my prediction for the next Bank of Canada rate announcement? My best guess as to why housing prices will not "crash". Finally, I explain what is happening with HELCO changes and our "friends" at OSFI.
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Season 3 - Episode 26
This Week in the Canadian Circus | Disney+ Lady dodges the shuffle and then says nothing of value | Three guys named Inflation, Prime Rate, and Bond Price walk into a bar…
The Canadian Circus is in full swing! We talk about Chrystia Freeland and how she dodged the cabinet shuffle and went on to piss off the Maritimes again, this time, PEI. How has the increase by The B.O.C. in prime a couple of weeks ago panned out. Inflation - false hope? Disney+ lady is celebrating! (insert eyeroll here). Bond prices setting records…not good for the fixed rate market.
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Season 3 - Episode 25
Back after Vaca! | The B.O.C. rate increase…now what? | Federal Government Cluelessness | Jobs report - More and less.
After another week off, let's get rolling! The B.O.C. with Tiffyboy and Company jacks up rates by 0.25%. It's only 0.25% so what's everyone pissy about? It's ONLY 0.25%. Now that everyone is upset, we need to talk about the Federal Government and their hand in this horror show…what can they do to fix this…cause we know they have no clue! Finally, the jobs report is out…a very happy/sad story.
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Season 3 - Episode 24
My past week | JT taking some shots! | Unemployment Numbers out - Good News/Bad News | Bank of Canada Prediction | Thread me baby!
After a week off, let's get rolling! JT is taking a beating in the media. Yikes…but oh well! Canadian unemployment numbers are out…definite bad news/good news situation there. Bank of Canada Prediction. Here's a hint: "only one way to go but ______". And finally, the app that's sweeping the nation…THREADS! Surprised I even got this podcast done I was on the new platform so much. I DON'T HAVE A PROBLEM!
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Season 3 - Episode 23
Update on my week and week ahead | OSFI - DSB Increase and CIBC Remediation | Commentary on Canadians and Spending
Quick update on my past week and how busy it has been and this coming week will not be any better. OSFI has been VERY BUSY! Increase to the Domestic Stability Buffer (DSB) for banks…what does this mean? OSFI has also been dealing with remediation measure against CIBC…oh oh. Finally, my own commentary on consumer spending, inflationary measures, and discussing how this ends.
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Season 3 - Episode 22
Father's Day Edition! | Debt to Income Chatter…Up, Up, Up! | OSFI, late to the party AGAIN!
Happy Father's Day, Step Father's Day, Grandfather's Day…enjoy, be spoiled and do NOT forget to cut the grass! Let's talk Debt to Income Ratios…1.85 is the number we need to discuss and how we got here. OSFI…late to the party to shake their finger at the banks to not help Canadians through this time of historically increasing rates…thanks OSFI!
Season 3 - Episode 21
SPECIAL EDITION | Current State of Tiffyboy vs. JT vs. Plante Earth - What. Is. Going. On? | Halifax Wild Fires and family update.
SPECIAL EDITION! We talk about what is going on right now in the economy with Tiffyboy, JT, Disney+ Lady. What COULD happen. Why was The BOC surprised and why The Feds are making things WORSE. Finally, my amazing excuse for not recording a podcast last week that has to do with my family in Southwestern Nova Scotia.
Instagram, YouTube, Facebook, TikTok: stephengreen.ca
Season 3 - Episode 20
Tiffyboy and his sidekick release their 2023 Financial System Review. The GEP Breakdown!
This episode is a breakdown of what was shared and some forward guidance on interest rates, the economy, the stability of the banks, and just my take on Tiffyboy's comments. Want to know where the ship is sailing, listen to this episode!
Instagram, YouTube, Facebook, TikTok: stephengreen.ca
Season 3 - Episode 19
Missing for Two Weeks - Why? | Two VERY different types of First Time Home Buyers we are seeing - What are those types? | Rent To Owns (RTOs) - What makes them a good or bad option.
Two weeks Missing In Action……sooooo sorry! But, I explain why in this episode. What we are seeing in the market and the two DISTINCT types of First Time Home Buyers that looking to get pre-approved. Finally, Rent To Owns (RTOs)…let's talk about that these are and the ONLY three situations they are good for.
Instagram, YouTube, Facebook, TikTok: stephengreen.ca
Season 3 - Episode 18
Government Worker Strike - Historic! |Housing market and where things are - Tiffyboy and JT in a hot tub? | Going Firm on Offers - No Conditions - Let's TALK!
Another "roll out of bed" episode. Top of the show, the Federal Public Service strike, this is pretty epic and will impact our workplaces permanently…kind of historic. We talk about both sides of the equation. Where is the housing market and where are things relative to the inventory, immigration, and why I think Tiffyboy and JT should figure this out! To end the show, is explain, once and for all, the CORRECT answer and advice on when a client CHOOSES to go firm on an offer to purchase a home…VERY important!
Instagram, YouTube, Facebook, TikTok: 5195001789.com
Season 3 - Episode 17
Being Busy - Stop the Charade! | Tiffyboy and BOC Commentary | Little Fire Thing in Vaughan Ontario | Hard Credit Bureau Pulls and Mortgage Pre-Approvals - Myth Busting
One week off…Easter and increased volumes got me! But, back and ready. First topic, our "busy" market…what does "busy" mean? Next, Tiffyboy and the ever-important BOC commentary from their April Rate Meeting. Third, kinda had a small bonfire in Vaughan Ontario with a bunch of pre-construction homes…conspiracy theories abound! Batting cleanup, I address the fear and (justified) concern with having your credit bureaus "pulled" when working with a Mortgage Professional on a pre-approval. Great info all over!
Instagram, YouTube, Facebook, TikTok: 5195001789.com
Season 3 - Episode 16
Registering Website Domains | First Home Savings Account - All the details! | Changes to Non-Residents Buyer's Ban | Where are mortgage/real estate volumes?
Let's talk about how to grow your business with custom domains…or just collect cool domains for fun. First Home Savings Account (FHSA), what this is and what's the difference between RSP and TFSA for a First Time Home Buyer? Canada makes changes to Foreign Buyer Ban…some good….errr…questionable items. Finally, where are volumes with housing and what I'm seeing out there.
Instagram, YouTube, Facebook, TikTok: 5195001789.com
The Green Effect Podcast is LIVE!
Season 3 - Episode 15
Buyers are BACK BABY! | Rental Housing Shortage Epidemic | Rate Advice
Buyers are BACK..."Back in the saddle again…" Let's talk about what we are seeing with volumes. Scaring and exciting report about the HUGE shortage of rental housing by 2026. Finally, I explain the rate advice I give to people…it's a moving target so how do I help people understand the rate they are committing to for the biggest purchase of their lives?
Instagram, YouTube, Facebook, TikTok: 5195001789.com
Season 3 - Episode 14
CRAZY SEVEN DAYS! Tiffyboy and BOC | Galen and Friends in Ottawa | Silicon Valley Bank and Canadian Impact
This was an INSANE last seven days! No shortage of crazy sprinkled with excitement. Bank of Canada, love 'em or hate 'em, they followed through on their promise to not increase rates. Galen and his BFF's were called in front of a Standing Committee to explain why my honey ham is 4.99/100g. Finally, the second largest failure of a bank in US history and how this could/is impacting us here in the Great White North. This is Economical Excitement at its best!
Instagram, YouTube, Facebook, TikTok: 5195001789.com
Rate Predictions - Banks Quarterly Meetings - Tiffyboy Called Before Standing Committee
Rates - where are they going now…the moving target is, well, moving! Banks have their quarterly earnings meetings…didn’t go so well (especially if you have RBC stock). Bank of Canada called in front of Standing Committee on Finance…great entertainment!
Link to the Report of the Bank of Canada on Monetary Policy:
https://parlvu.parl.gc.ca/Harmony/en/PowerBrowser/PowerBrowserV2/20230216/-1/38610?gefdesc=&startposition=20230216112628
Instagram, YouTube, Facebook, TikTok: sgmortgageadvice
Season 3 - Episode 11
Canadian Housing - Choose Your Own Adventure | Fair Square GONE! | My New Mortgage Agent World
Hope, hope, and more hope. Just need hope! Let's start with the biggest news around the "Choose Your Own Adventure" that is the Canadian Housing Market…Months of Inventory, Timing to Buy, rates, etc. FairSquare formally known as Purple Bricks is GONE…using a real estate professional. Finally, an update on me and how the transition is going to Mortgage Agent. I'll give you a hint, it's going REALLY well!
Instagram, YouTube, Facebook, TikTok: sgmortgageadvice
Website: www.thefinancialcollective.ca
Season 3 - Episode 10
So some big news out of my camp. I've left RBC and I've moved into the world of mortgage brokering. 25 year banker goes rouge! More than a quick 90 second TikTok, I talk about the WHY behind my decision. You get a bit of a glimpse into my thinking, where I think the mortgage world is going, and how a great leader leads.
Visit our website: www.thefinancialcollective.ca
Instagram, YouTube, Facebook, TikTok: sgmortgageadvice
Season 3 - Episode 9
First episode of 2023! Episode 9, Season 3. British Columbia introduces three day cooling off period, what does this mean for BC real estate? Ontario to see property tax increases due to new law Dougie introduced around adding more units without permits being required? What is going on in London Ontario with rents????? We talk about rent increases across the country. Finally, with the growth of 10,000 jobs, Tiffyboy has the bullet to shoot the next prime rate increase even higher. Or does he?
SPONSOR: Top Consulting. Top Consulting is the newest and coolest when it comes to taking your business to the next level. Stuck in a rut and need someone to redefine your business processes, hold you to account, and help you get to the goals you know you can achieve? Visit topconsulting.ca for all the great programs offered.
Visit their website and mention The Green Effect Podcast for a great discount (you need to listen to get the discount!). www.topconsulting.ca
Instagram and TikTok: sgmortgageadvice
Season 3 - Episode 8
Stupid Things People (BOC, Tiffy Boy, OSFI, Disney+ Lady) Do - Christmas Edition!
In the final episode of 2022, episode 8, Season 3, we are sticking with a theme of Stupid Things People Do. DSB fallout. Need to know what the DSB is? Listen to episode 7! OSFI stands pat on the "Stress Me Out" Test. What does this mean and what could possibly go wrong? What happens when Disney+ Lady tries to kind of spin the truth a bit about eliminating Real Return Bonds? Let's find out!
SPONSOR: Top Consulting. Top Consulting is the newest and coolest when it comes to taking your business to the next level. Stuck in a rut and need someone to redefine your business processes, hold you to account, and help you get to the goals you know you can achieve? Visit topconsulting.ca for all the great programs offered.
Visit their website and mention The Green Effect Podcast for a great discount (you need to listen to get the discount!). www.topconsulting.ca
Instagram and TikTok: sgmortgageadvice
Season 3 - Episode 7
My "Buffet of S#!+" episode. All the stupid s#!+ that happened over the past week…no shortage of material!
In the seventh episode of Season 3, I talk about the crazy siutation the Bank of Canada and my BFF Tiffyboy is in…needs to pick the housing market or the Canadian dollar…he'll screw this up too. OSFI moves the Domestic Stability Buffer…what is it, why you need to care, and what does this mean for the average Canadian. There will be ramifications to the 500.00 Liberal housing benefit…we talk about it. Finally, a quick preview of something I'll be posting on social media. The fun DOES NOT stop!
SPONSOR: Top Consulting. Top Consulting is the newest and coolest when it comes to taking your business to the next level. Stuck in a rut and need someone to redefine your business processes, hold you to account, and help you get to the goals you know you can achieve? Visit topconsulting.ca for all the great programs offered.
Visit their website and mention The Green Effect Podcast for a great discount (you need to listen to get the discount!). www.topconsulting.ca
Instagram and TikTok: sgmortgageadvice
In the sixth episode of Season 3, I do a "Bank of Canada Quickie". Anyone been to a mall lately? Folks, there is a recession coming…slow down your shopping! Lots-o-renters. We talk about the age category and what's causing this. December 15th is kind of an important date. At a local Ottawa Tim Horton's, there will be a meeting talking about the Timbits…errrr…stress test and what they are going to do with it. Finally, owning real estate…are home owners going to be royalty in the future?
Proudly sponsored by Top Consulting. Top Consulting is the newest and coolest when it comes to taking your business to the next level. Stuck in a rut and need someone to redefine your business processes, hold you to account, and help you get to the goals you know you can achieve? Visit topconsulting.ca for all the great programs offered.
Visit their website and mention The Green Effect Podcast for a great discount (you need to listen to get the discount!). www.topconsulting.ca. Instagram: accountability_goals_execution
History MADE! First Explicit-marked episode. Bank of Canada Needs Money! Game-Changing Condo Law in BC.
In the fifth episode of Season 3, I make history with our FIRST episode I had to make EXCPLICIT. I was forced into this…was talking about the Bank of Canada. Oh, on that note, Bank of Canada is loosing money and needs your help. Yep, you heard that right. They are loosing money and I explain how. Finally, British Columbia has come out with potentially game-changing laws for condo corps where they MUST allow rentals. How will this impact their doomsday rental market and how will this look in Southern Ontario when it inevitably come here?
SPONSOR: Top Consulting. Top Consulting is the newest and coolest when it comes to taking your business to the next level. Stuck in a rut and need someone to redefine your business processes, hold you to account, and help you get to the goals you know you can achieve? Visit topconsulting.ca for all the great programs offered.
Visit their website and mention The Green Effect Podcast for a great discount (you need to listen to get the discount!). www.topconsulting.ca
Instagram and TikTok: sgmortgageadvice
Season 3 - Episode 4
First time Home Buyers - LISTEN UP! | Lollipops, clowns, and unicorns - an update on our Economy.
In the fourth episode of Season 3, I talk directly to our first time home buyer crowd. Here are some things you need to know. We talk about what a starter home is, what you need to be prepared for, and how to look big picture. The second half of the show is our quick market update. Household budgets, Inflation, and what the future holds.
SPONSOR: Top Consulting. Top Consulting is the newest and coolest when it comes to taking your business to the next level. Stuck in a rut and need someone to redefine your business processes, hold you to account, and help you get to the goals you know you can achieve? Visit topconsulting.ca for all the great programs offered.
Visit their website and mention The Green Effect Podcast for a great discount (you need to listen to get the discount!). www.topconsulting.ca
Instagram and TikTok: sgmortgageadvice
Season 3 - Episode 3
Buying New Rentals Out of Province. Broker vs. Bank - What's the Diff?
Simplified format, new material, just me talking (unless someone REALLY wants to join me)! What more could you ask for?
In the third episode of Season 3, I talk about our new rental properties in New Brunswick. Why and how? Some of the differences and challenges buying in a different province. Then, we dive into an interesting topic. Mortgage Broker vs. Mortgage Bank. :) What's the difference and why people are just asking the wrong questions. Love these topics!
SPONSOR: Top Consulting. Top Consulting is the newest and coolest when it comes to taking your business to the next level. Stuck in a rut and need someone to redefine your business processes, hold you to account, and help you get to the goals you know you can achieve? Visit topconsulting.ca for all the great programs offered.
Visit their website and mention The Green Effect Podcast for a great discount (you need to listen to get the discount!). www.topconsulting.ca
Instagram and TikTok: sgmortgageadvice
Season 3 - Episode 2
Simplified format, new material, just me talking (unless someone REALLY wants to join me)! What more could you ask for?
In the second episode of Season 3, I talk about our AirBNB journey. My wife and I have a beautiful second home out by Lake Huron that we don’t use in the summer. We decided to AirBNB it out and this is how it went and how it's going. Finally, private mortgages. Good, bad, ugly. What they are meant for and what they are NOT meant for. Lots of confusion out there. Here we go!
SPONSOR: Top Consulting. Top Consulting is the newest and coolest when it comes to taking your business to the next level. Stuck in a rut and need someone to redefine your business processes, hold you to account, and help you get to the goals you know you can achieve? Visit topconsulting.ca for all the great programs offered.
Visit their website and mention The Green Effect Podcast for a great discount (you need to listen to get the discount!). www.topconsulting.ca
Instagram and TikTok: sgmortgageadvice
Reboot 2022 is complete! I'm back!
Simplified format, new material, just me talking (unless someone REALLY wants to join me)! What more could you ask for?
In the first episode of Season 3, I talk about where I've been, where I've been hiding, and where I see the markets today. I put my spin on where things are in Canada and where I see them going. All from the prospective of someone in the trenches. I'm excited to be back!
SPONSOR: Top Consulting. Top Consulting is the newest and coolest when it comes to taking your business to the next level. Stuck in a rut and need someone to redefine your business processes, hold you to account, and help you get to the goals you know you can achieve? Visit topconsulting.ca for all the great programs offered.
Visit their website and mention The Green Effect Podcast for a great discount (you need to listen to get the discount!). www.topconsulting.ca
Instagram and TikTok: sgmortgageadvice
The Green Effect Podcast! Season 2, Episode 6.
Tom Van Horne joins us! This RBC alumni turned realtor talks about the Guelph market and how he's dealing with multiple offers...while they still happen. Tom owns a property management side-gig...how does he work with tenants during this COVID Life. Finally, Rugby?
Want to be a guest on the show, let me know!
Facebook and Twitter: RBCStephenGreen
The Green Effect Podcast! Season 2, Episode 5.
Ontario Lockdown 3.0, More on Mortgage Rules, Zoom Party! The Ontario Lockdown 3.0, who is really to blame? More on the new mortgage rules and the context behind them. My first Zoom/WebEx Party, how did it go? Finally, four way stops, stop being Canadian!
Want to be a guest on the show, let me know!
Facebook and Twitter: RBCStephenGreen
The Green Effect Podcast! Season 2, Episode 5.
Ontario Lockdown 3.0, More on Mortgage Rules, Zoom Party! The Ontario Lockdown 3.0, who is really to blame? More on the new mortgage rules and the context behind them. My first Zoom/WebEx Party, how did it go? Finally, four way stops, stop being Canadian!
Want to be a guest on the show, let me know!
Facebook and Twitter: RBCStephenGreen
The Green Effect Podcast! Season 2, Episode 4.
New Mortgage Rules, Market Insanity, On Edge, COVID Talk
New mortgage rules coming your way, what does this mean and who's impacted? Another week, another week talking about the out of control market! On edge...me...anyone else? And let's talk COVID and my thoughts on the world.
Want to be a guest on the show, let me know!
Facebook and Twitter: RBCStephenGreen
The Green Effect Podcast! Season 2, Episode 3.
Crazy Market, Short Tempered, Working Out!
Who's short tempered and mad at everyone? I am and we talk about it. Houses selling for record high prices...we talk about the "B Word". Working out... an update on my story.
Want to be a guest on the show, let me know!
Facebook and Twitter: RBCStephenGreen
The Green Effect Podcast! Season 2, Episode 2.
Rookie of the Year - Dori Mueller, Realtor - Davenport Realty
Dori is an awesome, passionate realtor that has been in the game for just a couple of years. Recent Rookie of the Year at her brokerage, we talk about starting out a business during COVID, our Italian families, how the world looks now, and what this crazy market means to Canadians. Lots of fun, great conversation!
Facebook and Twitter: RBCStephenGreen
The Green Effect Podcast! Season 2, Episode 1. Yes, SEASON 2!
"Don't Call It A Comeback" - LL Cool J
After some time to think about how I wanted to re-invent the podcast, here I am. This is going to be informal, off the cuff, lots of fun...and, shorter. It's like open mic on a podcast. So, if you want to be on The Green Effect Podcast, message me...it's that simple. I want to hear from you!
On this solo episode, I talk about COVID and the level of crazy I'm feeling, the mortgage world and being a COVID stereotype, and finally, my person wellness journey and trying to take care of myself.
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
My apologies for the late release. I had trouble recovering from Sam's lack of background! On this episode, we talk about the incredible world of the Bond Yield Market...more than meets the eye and mortgage impact. Then, we jump into the NCAA Power 5 Conferences and them cancelling their fall sports seasons...ripple effect will be dramatic!
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com.
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
Our "blooming" housing market and market "vigour" in July. Canadian trade flows and how things are looking with our trade partners in the US. Canadian unemployment rates dropping and if there is any correlation? Also, our puppy, wood, and pool installing shortage.
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com.
Kristin Bignell - Episode 43
We welcome Kristin to the show this time around! Kristin and I go back to her days when she just started the sport of volleyball. We talk about what has happened in Physio world with COVID, her life as an athlete, and her new venture born out of COVID as a business owner. That and her new ventures. Super cool guest!
https://www.eastmillphysio.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
Main topic this week, US/Canada Relations. W shape recovery, recovering in the job market, oil/gas, COVID increasing numbers....what does this mean for our strained relationship. NOTE: If you are wondering, Sam is NOT in jail. For now.
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com.
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
Housing updates...people working again means more houses being sold. "W Shaped" Recovery...how does this impact us? Texas...body bags and mobile freezers for bodies. Bank of Canada Outlook - "Low and Long". Positive news for manufacturing - regional or national and meaning.
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com.
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
Sam looking good in pink! The Feds having a $343 billion buckarooo deficit and CERB has a cost over $53 Billion buckaroo expense...what is this and what does it mean for the Canadian taxpayer and economy. Unemployment takes a much needed nosedive...does this mean we are turning the corner? Housing starts come back to life in June...do we start buying more real estate now? Listen to get updated on all the happenings on our "New Normal"!
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com.
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
Millennials and Gen Z, making less money and later on...any hope? Updates on housing...up, down, or all around? Sam's take on this coming week in the market...floating like a butterfly or stinging like a bee?
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com.
Tom Karadza - Episode 42 - 2 of 2
Tom is back for part 2! Buying during a pandemic and what he is telling his Rockstar Coaches. We talk about our biggest trade partner, the United States and how events there are impacting our economy. Building relationships during a pandemic...lots of challenges. Finally, Tom's grade eight underhand serve!
https://rockstarinnercircle.com
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
Last word on uneventful CMHC changes...nothing to worry about! United States...in more trouble than meets the eye. What does a closed US/Canada border mean and what is the impact? Sam's prediction for the future of COVID...you heard it here first folks!
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com.
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
Announcement on interest direction...what does this mean? COVID-19 impact on household finances...lots-o-debt and now what happens? Private Default Insurers NOT following CMHC...how does this shape up?
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com.
Tom Karadza - Episode 41 - 1 of 2
So excited to have Tom Karadza on the podcast! Tom is the co-founder of Rockstar Real Estate and knows alot of "stuff". We talk about him going from a desk job to starting Rockstar. We talk unsound money, hard assets, risk and reward, banks, having savings, the economy, and much more! You'll love the conversation with Tom.
https://rockstarinnercircle.com
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
Bank of Canada makes interest announcement...where do we go from here? Unemployment rates, CERB...direct correlation? Major markets and the movement of housing...up or down? CMHC announces major policy changes...now what?
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com.
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
CMHC makes predictions...valid or not? CMHC says sky is falling...is it? Housing market...up or down (or left and right)? GDP drops through the floor and crude making moves.
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com .
Peter Cuttini and George Dube - Episode 40 - 2 of 2
They are back for the second part! What happens when you pass away and you have property in a corporation? For realtors, what do the new laws mean now that you can incorporate? Good, bad, needed? Important info!
https://www.bdo.ca/en-ca/our-people/george-dube-1/ and https://www.bdo.ca/en-ca/our-people/peter-cuttini-1/
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
CMHC changes...will we see 10% down minimum? We review 8 Ways COVID Will Transform the Economy and Disrupt Every Business...How we work, shop, watch, share, travel, heal, learn, and trade.
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com .
Mortgages and Markets - May 15th, 2020
This week, from the comfort of Sam's closet...or bathroom, we address mortgage rule changes being seen, high debt levels for Canadians and the most recent stats, and Ontario's expected $41,000,000,000 deficit. Ouch.
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com .
Peter Cuttini and George Dube - Episode 39 - 1 of 2
The boys are back! Peter and George, the amazing accountants from BDO! We talk about the latest CRA trends, 2020 changes for the self employed, hints for investors, and finally, we start our talk on Corps. Good stuff for all to know!
https://www.bdo.ca/en-ca/our-people/george-dube-1/ and https://www.bdo.ca/en-ca/our-people/peter-cuttini-1/
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Mortgages and Markets - May 8th, 2020
This week, from the comfort of Sam's car, we talk about three main topics. Unemployment numbers and what that means during this COVID time. April housing numbers...room for optimism? What Australia has done with tracking COVID.
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com .
Mortgages and Markets - May 1st, 2020
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week. This week we chat about the emergence of the hair cutting economy post-COVID. We talk more GDP numbers, unemployment, and of course, our "following the arrows in grocery store" challenges.
You can reach Sam for more Investment and market questions: 519-591-2992, sam.vakili@rbc.com .
Mortgages and Markets - April 27th 2020
Sam Vakili (Investment and Retirement Planner) and I go over all the happenings in both the mortgage and market world from the past week.
This week we cover the movement of the real estate world, the "cost" to the economy during COVID, and the big news in oil....and why Stephen has to pay more than 80 cents a litre!
You can reach Sam for more Investment and Market questions: 519-591-2992, sam.vakili@rbc.com .
Welcome to The Green Effect Podcast - Shorts!
Join Sam Vakili (Investment and Retirement Planner) and I as we go over all the happenings in both the mortgage and market world from the past week. Want to know about mortgage trends, GDP, the market, leading indicators? This is your one-stop shop!
You can reach Sam for more Investment and Market questions: 519-591-2992, sam.vakili@rbc.com
***NOTE: I did have a mic output issue for this episode. Sorry for the crackling! :(
Dan Gibson - Episode 38 - 2 of 2
More fun with Dan on part two! We talk about Social Media Trends like TicTok, YouTube changes and hashtags, Facebook vs. Instagram. Do we still have privacy? Finally, we go over how partnerships work on Youtube. Great conversation!
www.thebabygang.com
CLOSE TO 190,000,000 (not a typo) views...the video that started it all: https://www.youtube.com/watch?v=Pa0wXSh4I34&t=4s
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Dan Gibson - Episode 37 - 1 of 2
I had SOOO much fun with this podcast! Dan Gibson, YouTube Creator, joins us and it was a blast! Dan is the owner and CEO of The Baby Gang, which is a glimpse into his family's life; his wife, daughter, and triplets! We talk about how this all got started, how we and his wife Corrie stay married AND happy, and the risks and fears associated with their lives "out there".
www.thebabygang.com
CLOSE TO 190,000,000 (not a typo) views...the video that started it all: https://www.youtube.com/watch?v=Pa0wXSh4I34&t=4s
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 36, Part 2 of 2
Mandy Bujold is back for part 2! We talk youth in boxing, her take on concussions in her sport, females in sport in general and their impact as role models, and finally, her incredible advice for future Olympians! Such a special guest with fantastic insight!
http://mandybujold.com
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 35, Part 1 of 2
Wow, we welcome the incredible Mandy Bujold to the podcast! We get her perspectives on the 2016 Rio and 2020 Tokyo Olympics...what happened in Rio? Her boxing/family life and how she stays motivated. Today's youth and her take on the current state of amateur athletics in Canada. Amazing boxer with a fantastic perspective!
http://mandybujold.com
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 34
I've been a Mortgage Professional for a long time. Here's an episode with just me on it talking about how you can help your Mortgage Professional with documentation so you can get your deal done fast! This is an awesome podcast for anyone working on a new mortgage and there is some great info specifically for investors and the self-employed. I talk about context around required docs and how you can get your approvals done fast and even get more properties. Enjoy!
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 33, Part 2 of 2
Our friends are back! Annabell Tranter (Remax Real Estate Centre, Kitchener), Jennie Fisher (Davenport Realty, Waterloo), and Joe Dykes (Cloud Realty, Waterloo) talk about managing multiple offers, balancing client expectations, and working within their Team of Partners. Finally, we talk about how they work with their different partners to help their clients. Lots of perspectives from three amazing realtors!
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 32, Part 1 of 2
Annabell Tranter (Remax Real Estate Centre, Kitchener), Jennie Fisher (Davenport Realty, Waterloo), and Joe Dykes (Cloud Realty, Waterloo) join the show for the very first Realtor Roundtable! We talk about tough topics like how clients have changed over the years and how they balance their challenging jobs and family life. How to they do effective marketing. What about the recent frequent changes between brokerages for realtors. Finally, investor clients versus owner occupied...preference?
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 31, Part 2 of 2
Lisa Nadon, Paralegal and owner of Small Matters (smallmatterspa.ca) is back for part 2. We talk about the eviction process for landlords, tenants not paying their rent, and her Top Five List of mistakes new landlords make. AND, she talks about just how much the Ontario Landlord/Tenant Tribunal is! Get that notepad ready again!
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 30, Part 1 of 2
Lisa Nadon, Paralegal and owner of Small Matters (smallmatterspa.ca) joins us to talk about her stories and advice as a paralegal for landlords. We chat about when you need to use a paralegal, recommendation for new landlords, leases do's and don't's, and getting your paperwork right! Grab a notepad, you're going to want to jot things down.
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 29, Part 2 of 2
Round two with Phil of Cranial Waves! Kinesiotaping, what, why and how is this popular, especially in volleyball world. He's a posture expert...sure is, just watch him on YouTube! And finally, his new business, an exciting one at that, Tonix Seed Oils...important and special for many people!
Phil: tonixseedoil.com
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 28, Part 1 of 2
Meet Phil Gorman of Cranial Waves! Phil is one of the most interesting guys you'll meet! We talk about his trips to the Far East, living on the side of a mountain in banana leaf huts with big spiders! We then chat about his modalities including Cranial Sacral Therapy, Somato Emotional Release (S.E.R). Finally, we get his take on Downtown Kitchener as a business owner. Cool guy, incredible posture!
Phil: cranialwaves.com
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 27, Part 2 of 2
Stephen Woodworth, Conservative Party of Canada Candidate, Kitchener Centre joins us for another round. We talk about CRA Accountability and what that looks like. What about the elimination of income splitting and a different look on this and its impact. Finally, deficits, we’re focussed on this, why are we not looking to reduce the national debt?
Stephen: https://www.kitchenercentrecpc.ca/our-candidate/
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 26, Part 1 of 2
Stephen Woodworth, Conservative Party of Canada Candidate, Kitchener Centre joins us. We have gone FEDERAL! Stephen knocked on MY door while on the campaign trail. And like any good podcast host, I asked him to come on the show. #AlwaysBeClosing We talk about some great topics...not just politics. How campaigning has changed. "Respectful disagreement" and what that means. Housing, the market, and mortgage rules. The economy, the US, free trade...what is the bad news/ good news story here? Great show from a super-nice guy!
Stephen: https://www.kitchenercentrecpc.ca/our-candidate/
Sponsored by: Ignite Volleyball Club. Visit ignitevolleyball.ca
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 25
Part 2 of 2
Berry Vrbanovic, Mayor of the City of Kitchener is with The Green Effect podcast...part 2! Berry is back talking about his thoughts on the province reducing subsidies for youth sports, regional council review, safe consumption sites, and his Raptors prediction...post season! More fun with Berry!
Berry: https://tinyurl.com/y6f4swhj
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 24
Part 1 of 2
Berry Vrbanovic, Mayor of the City of Kitchener is with The Green Effect podcast! He explains his long history in local politics. We talk about his take on Kitchener housing affordability. Any chance of a new Land Transfer Tax? And are we going to see a new student housing licensing program like Waterloo? Here's Part 1 with Berry!
Berry: https://tinyurl.com/y6f4swhj
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 23
Part 2 of 2
Dave Jaworsky, Mayor of the City of Waterloo is back for part 2! We talk about UpTown Waterloo construction, Potshops, Regional Council Review, and his Raptors prediction...now that the series is over. Enjoy this great guest!
Dave: https://tinyurl.com/y5wtbqt5
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 22
Part 1 of 2
We begin our series of "The Mayors" with Dave Jaworsky, Mayor of the City of Waterloo! We talk about UpTown Waterloo, Housing Affordability, Land Transfer tax, Student Housing and the licensing by-laws, his journey to the mayorship, and Robin Hood taxes. Lots of great topics!
Dave: https://tinyurl.com/y5wtbqt5
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 21
This is a solo episode for me with a few guest appearances. Some big news! I have both Berry Vrbanovic, Mayor of Kitchener and Dave Jaworsky, Mayor of Waterloo coming on The Green Effect in the next two episodes. For episode 21, I go over what I'm going to ask Dave and Berry. We have guest appearances from Brian Santos, President of the Kitchener Waterloo Association of Realtors, Tracy Van Kalsbeek, UpTown Waterloo BIA Executive Director, and Jerry Vander Eyken, Canadian Home Inspection. All weigh in with what they want to ask the Mayors.
Let me know what you want to ask!
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 20
Part 2 of 2
Back for Part two is Jerry Vander Eyken, Home Inspector with Canadian Home Inspection Services.
This time around we chat about Radon, pools, and septic systems. What about the future of Home Inspectors? His Top Five List and how he accidentally made someone cry! Finally, Mike Holmes: good or bad for the industry?
Jerry: https://tinyurl.com/y4ddjyuy
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 19
Part 1 of 2
The amazing Jerry Vander Eyken, Home Inspector with Canadian Home Inspection Services joins us to talk about his industry!
In part one, we talk about Home Inspections and the state of the industry. How his world has changed with pre-listing inspections. His LIST of common issues. Kitec, mould, asbestos, termites, lots of fun topics! Finally, his thoughts on buildings relationships through advice and service.
Jerry: https://tinyurl.com/y4ddjyuy
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 18
Part 2 of 2
The President is back for part 2! Brian Santos, President of the Kitchener Waterloo Association of Realtors continues his visit on the podcast.
In part two, we go through REBBA (Real Estate and Business Brokers Act) and RECO (Real Estate Council of Ontario) reform. Many important changes coming for realtors. Are there changes coming to how builders sell new homes? What about home auctions...will Brian be auctioning his next listing? And how has the new mortgage rules impacted the Kitchener Waterloo Cambridge market? Finally, his Top Five List on the issues impacting the KW market in the future.
Brian: https://makingrealestateajoy.com
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 17
Part 1 of 2
It's a Green Effect Podcast first...our first President is on the show! Brian Santos, President of the Kitchener Waterloo Association of Realtors stops by to talk about some great topics.
In part one, we talk about his duties as the KWAR President. How does he balance both his work (he's a realtor at Peak Realty too!) and his family life? The Waterloo Region's LRT; nice tracks but no trains. Current market, multiples, bullies...good or bad?
Get the inside scoop on the Waterloo Region here!
Brian: https://makingrealestateajoy.com
Facebook and Twitter: RBCStephenGreen
Instagram: sgmortgageadvice
Music Credit: http://www.purple-planet.com
Episode 16
Part 2 of 2
The amazing Phil and Roberta Snider of Personal Edge Training (http://personaledgetraining.com) are back for part two! Phil and Bert are incredible personal trainers AND business owners who have been in business for over seventeen years in a field where the average age of the business is five years! They are also the principle trainers for the local Ignite Volleyball Club (ignitevolleyball.ca).
In this second episode, we talk about parenting and nutrition in the year 2019...lots of challenges and how do parents and families overcome it. Their famous "Matrix Ass Story"...yeah, you don't want to miss that one! And finally, their Top Five List on why they have been so successful with their business over 17 years...love this part as it has some great info for all business owners. Enjoy!
Facebook: RBCStephenGreen
Twitter: RBCStephenGreen
Music Credit: http://www.purple-planet.com
Episode 15
Part 1 of 2
The amazing Phil and Roberta Snider of Personal Edge Training (http://personaledgetraining.com) visit the show this week! Phil and Bert are incredible personal trainers AND business owners who have been in business for over seventeen years in a field where the average age of the business is five years! They are also the principle trainers for the local Ignite Volleyball Club (ignitevolleyball.ca). In this episode, we talk about how they stayed in business for this long, building a business from referrals, and people telling their story. We talk about the tech generation and teaching, coaching, and leading. This episode has a bunch of different topics!
Facebook: RBCStephenGreen
Twitter: RBCStephenGreen
Music Credit: http://www.purple-planet.com
Episode 14
Part 2 of 2
Peter Cuttini and George Dube continue on to part two of our show. More audit talk and Peter officially trademark's the phrase "Just write the cheque!". Trends they are seeing in real estate. What's their take on US real estate? What's their funniest business story? Finally, their top five list on how to avoid being audit. Great finish with two amazing guests!
Facebook: RBCStephenGreen
Twitter: RBCStephenGreen
Music Credit: http://www.purple-planet.com
Episode 13!!! Yes, 13!!!
Part 1 of 2
VERY pleased to have Peter Cuttini and George Dube on the show for the first of two parts. I can safely say that Peter, George and I go back a long time and we share that story on the show. We talk a lot about advice and the importance of planning. Did you know that CRA audits can be "good"? What is a "bad" audit? What is going on at CRA with the recent changes? And corporate structure...why, when, how? Part 1 with the guys has great info for everyone!
Facebook: RBCStephenGreen
Twitter: RBCStephenGreen
Music Credit: http://www.purple-planet.com
Part 2 of 2
We continue along with Glen Sutherland (glensutherland.com), investor and podcaster about his journey of investing in US real estate. We start to get into the legal side of things, LLP, LP, LLC, LC, etc. What do the numbers look like on a cash flowing property? His advice if you want to start investing in the US market. Great conclusion if you want more info about the US market!
Facebook: RBCStephenGreen
Twitter: RBCStephenGreen
Music Credit: http://www.purple-planet.com
Part 1 of 2
Have you ever thought about investing in US real estate? If so, this is the episode for you! Glen Sutherland (glensutherland.com), investor and podcaster is on the show talking about his journey. Why invest in the US? Landlord/tenant rules difference. How was it buying his first US investment property? US "turn-key" properties. All sorts of great info about investing in the US real estate market!
Facebook: RBCStephenGreen
Twitter: RBCStephenGreen
Music Credit: http://www.purple-planet.com
Part 2 of 2
If you enjoyed part 1, part 2 goes even deeper into what makes him special. My boss, Dave Mota, Regional Sales Manager for RBC, joins me. How does he keep himself sane in this challenging role? He's a great communicator...how does he keep that strong and maintain critical staff and business relationship? What's his market outlook? Finally, what is his advice for anyone thinking of getting into a sales role? Great advice all through this episode from a trusted source!
Facebook: RBCStephenGreen
Twitter: RBCStephenGreen
Music Credit: http://www.purple-planet.com
Part 1 of 2
This is going to be a great episode! My boss, Dave Mota, Regional Sales Manager for RBC, joins me. We talk about his 35 year banking career and why he decided to stay in a management role. Oh, and why is he doing and LOVING the manager role to a bunch of sales people? We address critical issues such as his dress code on my show. And finally, we are going to affectionately call this “Dave’s Birthday Episode”. If you want to get some insight on amazing leadership, start with part one of this episode!
Facebook: RBCStephenGreen
Twitter: RBCStephenGreen
Music Credit: http://www.purple-planet.com
Part three of three! How he feels about his company name "Krippled Weeds" and what happened when my wife and I heard the name for the first time. Wheel chair humour from Kris. Finally, what is "Pool Jumping"? Make sure you listen to part one to have this episode flow!
Thanks again to Kris Dutkiewicz, (519-577-1909, krippledweeds@gmail.com)!
Here we go with part two of three with Kris! We switch gears to his outlook on life and how he developed this through his time recovering from his accident. We also get into his time with the National Wheelchair Basketball Teams and Sledge Hockey Teams. We also talk about the Power of Positivity. Make sure you listen to part one to have this episode flow!
Thanks again to Kris Dutkiewicz, (519-577-1909, krippledweeds@gmail.com)!
This episode, and part two and three, are truly special. When I started this podcast, I didn't just want to talk about mortgages; I wanted more than that. Kris Dutkiewicz, (519-577-1909, krippledweeds@gmail.com), like previous and future guests, is special as he makes an impact on not only the world around him, but the people he meets. Part 1 is all about how he started his incredible landscaping business Krippled Weeds and the story on how he became paralyzed. This will be the guest you do NOT want to miss!
Part 2
Tyler Hortie from Cohen Highley joins us for part two to talk about some of these topics: Title insurance, why to get it and why you should NOT cheap out on it! His vacation and why you should not leave your phone off when you are doing your first major deal. Finally, surprises you hope you never find when you move in to your new home. This episode is the lighter side of real estate law. Enjoy!
Tyler Hortie from Cohen Highley joins us to talk about his business. His path through his career, building a law practice. Fees, fees, fees. The "fun" of bridging! And he finally explains what "articling" is. We also talk about service...what that means to a lawyer. Some great points around setting expectations and delivering exceptional service. And finally, what the heck is the is the difference between a collateral charge mortgage and conventional charge mortgage. Tyler takes us through some great topics!
Part 2 of 2
It's time for part 2 of Shauna Lynn Simon who is the Founder, Lead Designer and Lead Home Stager for her company Beyond The Stage Homes (https://www.beyondthestagehomes.com). We continue to talk about tough conversation with clients, her work with RESA, working with peers in your industry. If you enjoyed part one, you'll love this one!
Facebook: RBCStephenGreen; Twitter: @RBCStephenGreen
Part 1 of 2
I’m excited for this one! Shauna Lynn Simon is the Founder, Lead Designer and Lead Home Stager for her company Beyond The Stage Homes (https://www.beyondthestagehomes.com). We talk about having tough conversations with people, what sort of “work” gets done at a convention in Vegas, building a business from the ground up, and just how bad my daughter and I are at understanding accent walls! This podcast has something for everyone including some great advice on working with peers in your own industry. AND, it's just part 1 of 2! Here we go…
Facebook: RBCStephenGreen; Twitter: @RBCStephenGreen
In this episode, Stephen Green, host of The Green Effect Podcast, talks about what to expect from the show. All the people he'll be having on. The format which is all about finance, life, and business. Not to mention leadership, and a heck of a lot of fun! Join Stephen for this introductory episode!