Real Talk With Gary - Real Estate Investing

Gary chats in this episode with his friend Fabio Campanella who is an accountant. Gary and Fabio chatted about some things that most people don't think about, or like to think about but should. Wills, probate, joint ventures and many other factors affect estate planning. There are tax implications to be concerned about as well, not leaving your beneficiaries a large tax bill surprise after you pass. These topics and more are discussed in this engaging episode. What you'll learn: Why you should choose an accountant that is familiar with investing and real estate details Investors should be investors and accountants handle the details The details surrounding estate planning and why they are increasingly important - wills, trusts and corporations What is probate? The concerns and benefits of joint ventures, and the implications of estate planning or untimely death How wills work They discussed different types of insurance Should you consider transferring some of your investment properties while you're alive, to minimize tax exposure What is an 'estate freeze'? He was in the middle of the '08-'09 market meltdown and the signs he saw towards a collapse Should people diversify into stocks or bonds, or stay in real estate Why buy and hold allows you to QUINTUPLE YOUR MONEY in 25 years! Why accountants should handle the small details, and advise their clients like Gary of high levels details. When Fabio advises his clients should incorporate How can the economy keep going if there are subsequent waves How can you pandemic proof your life How will businesses transition back to office space now that office work is primarily at home And MORE! Fabio's Bio Fabio Campanella is right there in the trenches with his clients, providing detailed financial, tax and retirement recommendations. He's been working in the tax and wealth advisory sector since 2002 with some of the industry's biggest names such as PwC and BMO Nesbitt Burns. At the same time, he's been speaking to a larger audience by writing about financial planning for publications such as the Globe and Mail, the Financial Post and the Toronto Star. Fabio's speciality as a founding partner of Campanella McDonald LLP is looking at the whole picture. He doesn't examine your business goals or your retirement goals in silos, but in combination, to develop an action plan that's best for your particular circumstances and aspirations. That's because in addition to his CPA and CA designations Fabio completed CPA Canada's 3-year, in-depth tax course and has qualified as a Certified Financial Planner (CFP), a Chartered Investment Manager (CIM), a licensed investment advisor, and a licensed life insurance advisor. This broad educational base ensures that he's prepared and ready to give expert insight into any financial situation. When he's not busy creating action plans, he's busy having fun with his two daughters. Website: https://www.cmllp.com/ Email: [email protected] Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats in this episode with George Dube of Dube & Cuttini Chartered Accountants LLP. George is a veteran real estate accountant and an investor himself, and after growing up around accountants he decided that was his path. He and Gary chatted about what to look at before selecting an accountant; should you incorporate before purchasing an investment property; and if you do the work yourself, can you write off the 'sweat equity'. A quote Gary wanted to share: "Anxiety is thinking about the future, and depression is thinking about the past". Don't dwell in the past or in the future. What you'll learn: * What questions you need answered before selecting an accountant * When and if you need to incorporate when you decide to be a real estate investor * If you do your own renovations on an investment property, can you write off this sweat equity * What research George did with his clients success, to determine the factors that lead to making money * Why an accountant who is also an investor speaks the same language as an investor * The accountant *should* be working with clients similar to yourself * What are the 5 elements and issues that apply to your situation you should discuss with your accountant * What are some of the tax liabilities from incorporating * Can you split income? * What happens when you take money outside of the business from a tax perspective * What are some of the methods of taking money out of the corporation * What about audit frequency of corporations? * Are there different rules and challenges for financing real estate through corporations? * What other team members do you need beside an accountant? * What some of the biggest mistakes investors make from an accounting standpoint * What bookkeeping recommendations does George have to make a job easier for accountants * What rules are regulations are changing or coming * And MORE! George's Bio A veteran real estate accountant and investor whose practice focuses on providing the knowledge and tools clients need to increase and preserve the value of their businesses, George is a frequent guest speaker at an assortment of meetings, events and workshops through the year. There, he addresses a variety of tax and accounting topics with implications for real estate investors, with a particular focus on tax strategies. He talks about ways investors can improve communication with their accountants and better organize their financial affairs. George also updates listeners about how their businesses are impacted by rule changes in the accounting and tax industries. George jointly established the predecessor to Dube & Cuttini Chartered Accountants LLP, in 1997 after several years with national accounting firms. He is a graduate of the University of Waterloo's Master of Accounting Program, where he completed a double specialization in Taxation and Public Accounting. He also completed the Canadian Institute of Chartered Accountants' two-year In-Depth Taxation Course. Contact George Website: http://georgeedube.com/ Email: [email protected] Phone: 1-888-236-5482 Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca Tags: #realestateinvesting, #financing, #mortgages, #accounting, #corporations, #longtermgrowth, #invest, #realestatelife, #realestateinvestor,

Gary chats in this episode with Tara Baylis from Our Neighbourhood Realty! This was recorded back in March, and held off releasing this. They dove deep into why she's become such a top-seller in the Durham region, how lead-gen works, how the Agent Locator works, the power of mindset and more! This podcast may be focused more for real estate agents, but still some worthwhile information for investors. What you'll learn: * Why online lead generation is and can be extremely effective * How to cultivate and nurture leads that come in * Why she calls herself the 'hardest working realtor in Durham' * How Agent Locator helps her track leads and enter them in their CRM system * You could send out targeted emails, etc. * Agent Locator is a great system for new agents * Is calling still an effective method of communication vs. email, text, etc * You can set up Agent locator for your client's price range and area, and how often they want to see listings * You can also see which properties they have viewed, which will help you narrow their interests * Why human followup to emails brings a personal touch to your service * Why patience is important with lead gen, and why it can take YEARS for a lead to buy * Why your choice of lead generation site determines how often you need to maintain your leads * View each lead as a gift * If you treat your leads well, even if you've never met them in person, may refer you to their friends and family * And MORE! Tara's Bio Tara is widely recognized as a top selling powerhouse in the Durham Region & GTA marketplace, and has garnered a host of accolades and awards as a result of her hugely celebrated success. Behind all that top performing professionalism though, is a heart that truly cares about each and every client and a sincerity that can't be mistaken. With the credibility of almost 20 years of experience in the daily operations of the real estate industry Tara knows the business inside and out, and is phenomenal at seamlessly translating that business acumen into an enviable level of confidence and security for her buyers and sellers. Traversing the often-confusing terrain of the real estate transaction with elegance and ease, Tara counts hundreds of happy past clients as a true testament that her exceptional brand of real estate services demonstrates clear value to consumers. As a consultant and trusted advisor, Tara invests her time, energy and resources into the meticulous care of her portfolio of clients, retaining her buyers and sellers as lifelong ambassadors of her business. With designations like the highly regarded Accredited Buyer Representation (ABR) Tara ensures that each and every client gets the highest level of real estate experience! Contact Tara Phone 905-431-6055 Web: TaraLeaRealEstate.com Facebook: TaraLea RealEstate Insta: @taraandrews7777 Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats in this archive episode with Nicole Bridges from RYIS Properties! This bonus episode has Gary and Nicole chatting about property management, about why some people choose to use a property manager, and some don't. Nicole has worked with many of Gary's clients and done great work. This episode is PACKED with tips and practical advice to make your investments stressless! What you'll learn: Should you get a property manager or do this on your own What to look for when searching for a property manager Get the emotions OUT of the investment Having an investment manager lowers stress and workload Screening tenants and avoid tenants from hell What you should do every year with your investment properties How often you should inspect your investment properties Simple tips to avoid professional tenants How much should a property manager cost The eviction process, how it works and why a property manager can help avoid this How long does an eviction take, and what paperwork is required After hour services of a property manager Should you do credit checks on your new tenant or allow them to provide their own The importance of treating investing like a business How to take the emotions out of investing Why you shouldn't treat an investment property like your own - your concerns are different than your own property Why you shouldn't get too attached to your tenants, as it's a business arrangement How long should it take to fill your property When you are buy a property with tenants, are they good tenants or bad? Why a home inspection is necessary for an investment property Why you should have a paralegal on your team, and others including a plumber, electrician, handyman, etc And MORE! Nicole's Bio My family has always owned their own investment properties since I was a young girl living in my home town. As a result I have had my own buildings and homes for which I managed and understood the importance of good management. I have decided to go public with my services and now have over 300 doors for which my team and I manage. I have come up with the name of RYIS properties to honour my two boys who are young adults today, one who is in an apprenticeship to become a plumber who is named Ryan and my second boy, special needs who was born with Fragile X Syndrome and is living with me and is involved in a day program and his name is Kurtis……….RYIS (first two letters of Ryan and last two letters from Kurtis) I have been educated as a legal administrator in which gave me the training for detail and also worked as a recruiter and had various administrative functions. I have been raised in a construction world and have been a partner in a Plumbing and Contracting business which gave me the ability to understand different methods of all maintenance required and or needed. Contact Nicole Office # (905) 727-1102 Email [email protected] Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats this episode with his good friend Alfonso Salemi from JAAG Properties. They talked about how Alfonso got started; the mindset required to do this; and what rent to own is all about. What you'll learn: What book prompted his start in real estate How he transitioned from active to passive income Why his original income goal was only $25,000 Why he started taking courses to increase his knowledge He didn't have a lot of $$$ when he started in real estate What his first deal was like, and how many families he had to go through before he could help his 1st family What lessons he learned from his first deal and what expenses were incurred Was his first deal a solo deal? Why mindset of 'just going and doing it' is so important Why he had a mentor Why the 4 hour Workweek is not plausible, but contains vital information Why it's important while you are pursuing your financial freedom, that you still enjoy each day, and being present Why time is more important in many ways than money Is 'rent to own' still a viable option heading into a pandemic? Does rent to own work in up and down economies? And MORE! Alfonso's Bio Alfonso Salemi is out in the community sharing his passion for rent-to-own and the benefits it can bring to people's lives. Every day he thrives on these interactions and enjoys helping others with their biggest purchase. Alfonso is often the first person on the JAAG Properties' team to meet with Tenant Buyers. He also works with investors and outlines the personal and financial benefits of the JAAG program to them. He is the company's conduit to realtors, brokers and others in the world of real estate. Alfonso attended Mohawk College and uses his knowledge gained there, plus his experience in real estate, blended with his people skills and his intuition for making excellent community contacts to ensure that the benefits of working with JAAG as an investor or tenant-buyer and real estate professional are well known. Alfonso values JAAG's team approach to the Rent-To-Own model and its benefit to all parties. He knows that all parties must be committed to ensure the successful completion of each Rent-To-Own program. Tenant Buyers must show their commitment to fixing their credit; investors need to be committed to the investment and seeing the buyer succeed. JAAG's strength is the ability to create win-win-win Rent-To-Own programs. As a true 'people person,' Alfonso likes to hear the stories that JAAG Properties clients share about their journeys to home ownership. In the time since JAAG Properties incorporated in 2014, he has learned about people of all walks of life. Everyone has a story, and Alfonso listens to it. He is grateful that he gets to be part of the tenant-buyer's success in achieving their dreams of owning a home and the investor's dreams of making money while helping others. Bringing those entities together is one of the things that Alfonso values most about his role at JAAG. Alfonso runs JAAG Properties' Burlington office and is active in the community, having founded the REITE Club, a real estate networking group to encourage excellence communication and growth among like-minded professionals. As a proponent of the benefits of Rent-To-Own and how it can enable those who have experienced roadblocks to become homeowners, Alfonso often talks to community and business groups inform them about JAAG's Rent-To-Own program. Alfonso thinks that it's unfortunate that people often think that they can't recover from bankruptcy or consumer proposal and that owning a home is out of reach for them. Showing how it is possible to own a home – if they are willing to do what is needed – is one of the best things about his job. To get in touch with Alfonso email [email protected] Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary is chatting in this archive episode with Erik Mitchell, about his start in real estate investing. Erik isn't your typical RE investor, as he has a background in business, became a licensed mortgage agent, taught himself about the challenges in investing, and also now educates others on the possibilities with investing! He and his brother now have a portfolio of over 64 units, so this is a podcast you DON'T want to miss! What you will learn on this Podcast: How to get started in Real Estate Investing Should you use the equity in your home to invest Should you focus on turn-key properties or ugly homes 7 secrets To finding hidden GEMS in Real Estate Investing How solving problems is an important skill to learn Can you still find great deals on MLS The importance of finding motivated sellers What a vendor take back is and how it works The importance of being a local market expert How to get rid of bad tenants easily When and where do tenants make their buying decision The importance of understanding your tenant and their neighbourhood Erik's Bio: Erik is a graduate from the Richard Ivey School of Business. After working for only one year he decided that wasn't the life for him. So instead, Erik and his brother Kevin both quit their day jobs almost a decade ago to start a real estate investment company and have been working as full time real estate investors ever since. Over this time they have built a portfolio of 64 units across Ontario. Not only that but they have also built a comprehensive educational system for real estate investing that has absolutely everything you need as an investor...all the information, access to all of the resources they have ever built, an industry leading property analyzer, and even a section dedicated to Student Rentals. Erik also became a licensed mortgage agent in order to provide clients and investors a passive way to help invest their registered money (RSP, TFSA, LIRA, LIF, RIF etc.) into real estate...earning an 8% Fixed Annual Rate of Return in some of the most exciting development projects in Canada. He is a wealth of knowledge and has a ton of experience, some of which he will be sharing with you during this podcast. Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chatted with Bradley Watson, host of #1 podcast on iTunes, Spotify and Google Podcasts for Toronto Real Estate! They had a wide ranging convo on various topics such as can you buy cash flow properties in Toronto; the effect of immigration has impacted the market; the stimulus packages provided by the CDN government, and what happens when they stop, much more! What you'll learn: • Can you buy cash flow properties in Toronto; • The effect of immigration has impacted the market • The stimulus packages provided by the CDN government, and what happens when they stop • Why real estate careers offer more flexibility and perks than a 9-5 jobs • Why cash flow is a deciding factor for first time investors • What is a primary residence exemption, and why it matters • What are the tax implications of your investments? • Should you incorporate to buy properties or do it personally, and you CAN do both • The number of properties you want to hold determines if you incorporate • Do you want a portfolio of properties, or just one or two? • Why buy and hold strategies lead to multi-generational wealth • Why you need a team of professionals to help you get started • Why living in part of your first investment allows you to quickly make money and perhaps buy other properties • You don't need to spend a lot of money to learn how to invest, many courses online, but there is a time investment • You put in the money or you put in the time, money buys you time • Should you pool money in joint-venture investments, or go it alone • You DON'T need dozens of properties to get ahead, if you have 2 you can outpace the market • It's not just the money you want to make, but the lifestyle you want • People have made more money than Bradley through condos than multi units Smaller condos have been hit harder during the pandemic * And MORE! Bradley's Bio Bradley Watson is a Real Estate Broker, Investor and Social Media Influencer. Investing locally he hit the ground running and within 4 years turned a $40k down payment into $1.87 million in local real estate assets. Today, he lives in his dream house with his highschool sweetheart and their two daughters. Bradley is the host of the #1 podcast on iTunes, Spotify and Google Podcasts for Toronto Real Estate. The channel is growing by over 100 listeners per month and gets over 10k downloads per month. You can join their family of investors by tuning into "Toronto's #1 Real Estate Podcast" every morning. Follow Bradley Ph. 647-206-9554 Web: www.WatsonEstates.ca Facebook: https://www.facebook.com/mywatsonestates/ Instagram: https://www.instagram.com/WatsonEstates/ YouTube: https://www.youtube.com/channel/UCnOA4PbXLfGUectVL3S-iXQ Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary guests on Real Conversation with Kelly Skar! This bonus episode features Gary on the other side of the mic, and they chatted about mindset, motivation, an overview of real estate fundamentals, and how you can innovate during a time of crisis! What you'll learn: How you can design your own life…what you want to earn, how much vacation time you want? etc. Finding and understanding your 'why' Understanding real estate fundamentals How Gary's financial situation pushed him into real estate, but looking at the Andex chart Why credit encourages you to spend more than you make Consolidation debts can lead to frequent maxing of debts You NEED to find a way to make money while you sleep, or you'll always be working FOR money! Real estate investing helps you make money 24/7/365 Gary doesn't necessarily LIKE real estate investing, but it gives him the freedom to do other things As mentioned before, start as SOON as you can… Picking the right neighbourhoods to invest in Population growth is one fundamental Income growth in the area is another Vacancy rates in the neighbourhood is another Infrastructure in the neighbourhood - new highways, etc is the final one Why Gary invests in an area before he recommends it to his clients How does The Secret mean to Gary? What gratitude helps during difficult times Commercial real estate is changing day by day More massive changes are coming How the real estate industry is changing due to the current situation, and will these changes become permanent While realtors need to embrace these changes and expand services with video, etc Why having a little cash on hand is not a bad idea And MORE! Kelly's Bio My family is my everything, as you can see we are a bunch of dorks that love to have fun. My philosophy on helping my clients buy and sell real estate is that things don't have to be serious all the time, the journey can be fun and we have to remember the destination.....your new home. No matter if you are buying or selling a home, I have you covered on every aspect of the transaction from inspectors to lawyers to mortgage brokers to stagers and handypeople (I am pretty sure I just made that word up). I have been selling real estate for 13 years, I am a HUGE Green Bay Packers fan, I love to play golf (poorly), camp, hike and spend time on vacation in either Hawaii or Fairmont, BC. Follow Kelly Cell 403-827-7527 [email protected] Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

The Real Estate Empresses are Sarah Larbi, Gabrielle Campbell, Jenn Richter, Jessica-Ann Buchta. This podcast was recorded in May, & while they were speculating about what might happen in the market due to the current situation, a lot of it has come true. They discussed how they have shifted their investments since the pandemic began; also about whether a second wave would happen & its effects; censorship; the narrative that the mainstream media is telling; how to pandemic proof your life! What you'll learn: Sophisticated buyers are still buying, house flippers & professional landlords Great deals are out there, fewer offers, fewer buyers less competition Some properties ARE receiving multiple offers This is still a great time to buy your first investment property Lower supply issues Prices are fairly stable, what about year to year Why new or first time buyers are hesitant Wholesale deals are still happening, makes it easier for sellers Why today is STILL better than buying tomorrow Now may be the best time to get into multi-family projects - older landlords may want to offload properties, good cashflow Spend 90% of your time on 'your main thing' & 10% on what's next No perfect time to buy Don't try & hit a home run, just get to first base What happens when CERB runs out, & mortgage deferrals stop Other programs from both provincial & the federal government Ripple effect during the second wave What about rental market Immigration fuels the economy, but the border is closed Why you should have multiple sources of income Pandemics are happening with greater frequency, each one is different Why the Empresses are ensuring their business is recession, internet & pandemic-proof & MORE! Bios Sarah Larbi had the drive & focus to embark, build & grow a seven-figure, 10 property investment portfolio by her early 30's, all whilst full-time employed. Known as the BRRRR Expert, her results-oriented approach has been featured in numerous Canadian media, on the stage at events like Canadian Real Estate Wealth Investor Forum & as a guest on many North American finance-focused podcasts. Sarah hosts her own podcast "Where Should I Invest?", which reached the Top 50 of All Time for Canadian Investing on Apple podcasts & is also co-founder of The REITE Club & co-hosts their own successful podcast. Gabrielle Campbell is the owner of Regalway Homes with her husband. Starting her investing journey purchasing new builds with a sustainable footprint in the Milton area followed by the first complete reno, their portfolio now consists of over 10 doors with a shifted focus to acquiring multifamily homes in both Canada & the US. Jenn Richter of Double E Properties has grown an 11 property portfolio with her husband while still raising two young girls. Featured in Canadian Real Estate Wealth magazine, Jenn is an active member of her community locally & in the real estate investing space where she is often found MC-ing couples games at investor meetings or speaking at local teal estate events about her journey. Jessica-Ann Buchta completed $50Million+ in real estate deals by age 30 while working full-time as a lawyer in the energy sector. Known as the Air BnB Queen, Jess specialized in luxury cottage rentals & high-end long-term rental properties across Ontario & now focuses on purchasing off-market multifamily properties. She began her real estate investing journey with fix & flips before moving on to run Canada's largest wholesaling business, purchasing off-market, under-value properties with her husband. Follow The Empresses venture & adventures on Instagram - https://www.instagram.com/therealestateempresses/ or connect with them at www.therealestateempresses.com Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Randy Gill on Finding Your Awesome! They talked about mindset, gratitude and giving back to the community. Gary provides 3 ideas and tips that he uses to help him life! What you'll learn: * Why now is a GREAT time to examine your life and make changes! * What was the moment that crystallized his desire to do more for underprivileged kids * Their opportunity gives hope and opportunity to those that are lacking in both * How many communities are impacted by their work in their 10 year journey * How Their Opportunity gives back, but expects those receiving help to pass it on, and give back as well * How they have created a cycle of generosity * Why it's important that they are invited into communities * What is the intake process for someone wanting their child to be part of Their Opportunity * Why Randy is the 'hope dispenser' * Why hope is stronger than fear, especially during these times * Why you should believe that good things are about to happen * When you go into a situation with 'fear first', you derail the opportunity * Be mindful, so that you don't miss opportunities and gratitude can rise * How is Randy affected by the current situation, and how business has shifted * What types of currency are businesses giving and receiving now - hard currency, goodwill…what added value are businesses giving * How Randy's currency is now Instagram lives and virtual conversations * Digital currency - likes, shares, etc are very powerful * What are 'relationCHITS', and how they impact relationSHIPS * Why giving with your business first, especially during the startup phase - customers and client will realize that giving back is a pillar of your business, and will be more loyal to a business than others that focus on getting * What is Finding Your Awesome - you'll become more creative and focused * And MORE! Bio Randy Gill is the President & Founder of Their Opportunity, a registered charity that exists to provide under-serviced families with the means to enroll their children in local sports & recreation programs. Randy and his team of game changers look to remove barriers to access as well as advocate for children to give them the opportunity to develop the confidence, social skills and healthy lifestyle attainable through sport and community engagement. Randy has been described as a "passionate and energetic community leader with a true heart for the under-serviced population." Randy also is a sought-after public speaker who has addressed thousands of people across the country with a message of pursuing your passions, dispensing hope and generosity, community, leveling the playing field and finding your awesome. This former pro hockey player coaches hockey at the local rinks, consulting for NFPs & Charities or serving on several committees in a volunteer capacity, such as Chairing the Durham College Program Advisory Committee and Advancing Access to Affordable Recreation in Durham (AAARD). Randy is actively serving on the Parasport Games Committee and the Adaptive Sport Collective. He also devotes time to helping many other local initiatives and organizations, such as The Refuge and St. Vincent's Kitchen. Randy has been married to his lovely bride for over 24 years. Together they have a teenage son who keeps them hopping and living life to the fullest. Website: www.theiropportunity.com Phone: 905-444-9992, Ext. 9994 Facebook: https://www.facebook.com/theiropportunity/ Instagram: @theiropp Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chatted with his good friend Aslan Mirkalami, an author and The Result Doctor! They talked about a wide range of topics… What you'll learn: Why every belief we have is a lie How you become like the people you are in close proximity to Why people that become wealthy all share a certain set of beliefs - e.g. they don't believe money is evil, or you don't have to be an evil person to be wealthy They don't have beliefs like "I'm not worthy of money…", "Money doesn't grow on trees", "Money is the root of all evil", etc. A belief is statement of idea without any physical proof Aslan can show you how to dismantle limiting beliefs and replace them with empowering ones The amount of hours you conscious mind is awake or aware What a cashless society might look like, and what a new currency could be to replace it Currencies such as cash and cheques convey confidence, and involve trust Why the banks are your friend when you need services, but when times are tough they get tough Aslan's opinion on mental illness, our current situation, the lockdown, mainstream media and more. People are using alcohol now Suicides are skyrocketing as well Why happiness is our natural state You were born to be happy, and you learn to be unhappy Aslan believes that every child is a millionaire, and can do anything Why happiness enhances your performance Personal forgiveness is important Why your children thrive or struggle based on the beliefs you instil in them What does more money bring? More experiences…and more memories, then this leads to great happiness And MORE! Aslan's Bio Aslan Mirkalami is the founder of Result Doctor.com as an Executive result coach. All I am going to say people who work with him Become wealthy and rich and make a lot of money, so pay good attention, I will let him introduce himself. He has authored the books, "Believing Is Seeing", "Secrets of the Healthy Mind" and "Unfuck Your Life", all available on his website below. Website: www.resultdoctor.com Phone: 416-258-0038 Email: [email protected] Facebook: Aslan Mirkalami Instagram: Aslan Mirkalami Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chatted with investor Glen Sutherland, a Canadian investing in the USA. He started with buy/hold investments early on in Canada What you'll learn: How Glen migrated from buying one investment property for his retirement to multiple units How the 'Bank Of Grandma' played in to his early success - family members can be a great source of cash for your investment journey Proactive strategies for dealing with tenants and rent, if they are struggling or lost their job, especially during a pandemic Should we be investing in real estate now, or see how things play out over the coming months? Why it still may be a good time to invest, based on past cycles What happens if there is a shortage in properties for sale, or if there are too many properties for sales? The differences between investing in the States and Canada How you must do research to see where you will invest in the US Why prices are more favourable in certain areas, and make it easier to get into the market vs. Ontario Why renovation costs in the US will gain you more, as everything is more expensive in Canada - Dual flush toilets were purchased for $60 How it's important to assemble a strong team to help you, or a good property manager Why you should be afraid of purchasing properties that need more love - Glen is no longer afraid of buying cheap properties that will appraise at a higher value Mortgages can be had, because there are so many banks across the United States, and some that are only in different states What is a 'non-recourse loan' in the US? Why you should use a corporation for investing, and nothing should be in your name What are the loan to value ratios in the US? What are the criteria for getting a mortgage in the US as a Canadian? Most mortgages are low risk in the US And MORE! Glen's Bio Glen Sutherland is a real estate investor from Cambridge, ON where he lives with his wife and two terrific children. He started his investing journey purchasing 'buy and hold' rental real estate locally. After a lot of research, he learned of more favourable laws, lower property taxes, and lower cost of entry south of the border. These factors make for greater ease of wealth creation. These days, Glen is investing in the US by buying, renovating, refinancing to grow his rental real estate portfolio. He also hosts the Podcast and Youtube channel entitled, "A Canadian Investing in the US", where he provides information and advice to investors interested in investing in both Canada and the US. He enjoys the privilege of sharing his knowledge with others. Website: https://www.glensutherland.com/ Phone: 519-502-9340 Email: [email protected] Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Proactive Mental Health Strategies Gary chatted with Jen Couto, a trainer who has a passion for movement! She also helps women discover their best selves, and also worked in the mental health space. This journey also helped Jen deal with her own depression, self esteem issues What you'll learn: How she migrated from an in person trainer to online training, and why she feels that yields better results How she has created and fosters an online community for her clients In person training is very focused She guarantees results Jen has both free and paid communities People seem to be binge eating or not getting enough good nutrition Why she asks clients what their ratio of good food to junk food that was eaten in the past week She helps people increase activity and eat well when their bodies are under incredible stress during the pandemic How sugar plays into stiffness How Gary did 1 run this week and it made all the difference in the world We may be able to be positive, but people are struggling How to motivate yourself, especially now as people are stressed in our current situation How and why she creates a safe space for clients to share and talk about what's happening to them now How Jen works on her mindset now, and how it's changed over the years Why both Jen and Gary *still* use coaches Why passion is not sustainable - and why sometimes it needs to be manufactured Why you shouldn't feel bad if your passion is not felt 24/7 Why you should focus on things you must do to focus your passion and help with mental health Why you can damage a property and move to another, but your body is the only one you've got…you can't just repair it at will - treat your body like a temple And MORE! Jen's Bio Jen is an Online Trainer currently living in Toronto who has a passion for life through movement. She has spent 5 years in the industry building a determination to help women in their quest to their best selves. She's a mother of three who has gone through bouts of depression and challenges with self esteem and body image. Jen believes in the power of healthy living to heal and develop the tools necessary to live a happy and fulfilling life. Her online training programs include daily accountability, a community of support, mindset coaching, and customized nutrition and fitness programming. Contact Jen Phone: 416.953.3449 Facebook: https://www.facebook.com/jennifer.couto.505 Insta: @Hylif.str Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary answers some questions that have been sent to him on Instagram first, then welcomed Matt McKeever, a young investor who quit his job at age 31, effectively retiring and living life as an investor full time. He started with rentals for students, and moved up to multi unit rental spaces. He and Gary had a robust chat on many topics, especially balancing the need for cash in an investment property vs. the time you devote to your investments! What you'll learn: * EXPECT to make mistakes when you begin as a Real Estate investor * Don't let it stop you from taking action * Surround yourself with a strong team * You won't hit a home run on your first property * How Matt has repositioned due to the market realities of our current situation * Techniques to attract people to view properties virtually * How commercial lenders are changing their rules almost weekly * Why Matt started his YouTube channel for Canadian investors * Is real estate investing still a worthwhile pursuit during a pandemic? * Matt discusses how to determine what income level can afford certain property rents * Will vacancy rates change due to our current situation * Are the million dollar flips in jeopardy * Is commercial real estate experiencing pain * will companies abandon expensive office space * Will restaurants change/disappear due to commercial spaces * Why cashflow is king * Is the old world / old way of doing things gone forever? * How more transactions will move online * Innovation is playing a part how business operates during the pandemic * Will there be a massive shift to online learning, with cost savings to universities * Be clear on why you want to be an investor - what do you need vs. what you want * The difference between information, knowledge, wisdom and experience * What is the return on your time invested AS an investor * Money is unlimited, time is a scarce resource * You HAVE to make offers if you are an investor! * And MORE! Matt's Bio Matt McKeever is a Real Estate Investor, Youtuber with close to 60k followers with 5-10k views per day, a registered CPA and co-founder of Cashflow Tribe to help educate real estate investors. At the age of 31, Matt retired to become a Real Estate Entrepreneur. He began investing in London, Ontario in 2010. In 2015, Matt quickly built up his real estate portfolio implementing the BRRRR strategy. At any given time he has over 100 units. Matt also founded and hosted events such as the Ontario Real Estate Conference (OREC), the Vegas Entrepreneur Experience (#vee2018). Lastly he is the co-host of the ON FIRE podcast discussing financial independence with various folks around the world who are passionate about their financial freedom. Contact Matt https://www.youtube.com/mattmckeever https://cashflowtribecanada.com/ Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary welcomed Aziz Velji, teacher of human potential and author of "CALM BRAIN, POWERFUL MIND: Abolish Stress to Unleash Your True Potential". CALM BRAIN, POWERFUL MIND is a comprehensive and seminal self-help book about how a person can eliminate stress from their lives in order to access the inherent power of their mind, and live a happy, healthy, and creative life. Gary and Aziz had a great chat about beliefs, thoughts, actions, mindfulness, meditation and the ability for change! What you'll learn: We have two ways or mindsets to respond to events - fear, unhappiness, stress, OR happy, calm, alert, resilient mind. Why the first 7 years program our beliefs for the rest of our lives, by people who want the best for us, but are teaching us what they know 70-75 of programming delivered to us is counterintuitive to our needs and is subconscious a child doesn't know cause and effect, and this results in "I don't deserve it mentality" After age 7 the conscious mind starts to evaluate our beliefs and our thoughts. Our beliefs become thoughts, which become our words, which become our actions, which become our habits, which become our values Do we have the ability to change our beliefs You face a crisis and you use the subconscious mind to solve the problem How do you approach changing your beliefs What is a Mental Diet? What is 'mind chatter'? The brain has a negative bias and how that plays out for us Our mind is like velcro for negative thoughts, and teflon for positive ones What is observing your thoughts? Why you want to split yourself into two - watching and doing When we are present, there are no thoughts, we are fully enjoying an activity - some have trouble maintaining it, so we switch back to the subconscious Most people spend 95% of their day in 'mind chatter' / subconscious Why meditation is SO powerful! And MORE! Aziz's Bio As a student, teacher and author, my background encompasses specialized areas of study and expertise in philosophy, psychology, meditation practices, quantum physics, brain enhancement, neuroscience, and lucid dreaming (or what is called Dream Yoga). My formal education includes postgraduate degrees in engineering and business management. I have applied these areas of study and formal training to better understand the nature of reality, the relationship between the brain and the mind, and to further advance society, humanity, and most importantly, our potential as human beings. My book, "CALM BRAIN, POWERFUL MIND: Abolish Stress to Unleash Your True Potential" is coming out in a few weeks. CALM BRAIN, POWERFUL MIND is a comprehensive and seminal self-help book about how a person can eliminate stress from their lives in order to access the inherent power of their mind, and live a happy, healthy, and creative life. There are many books that discuss ways of controlling stress, but this book seeks to help the reader understand the true causes of stress, and how the various parts of the brain are critical in its development... and ultimately, in its removal. As well, the book explains and provides the tools (like meditation) that can be used to eliminate stress from a person's brain, mind and their thinking. I also teach my "Conversations with Friends" series of seminars and workshops which are based on the book. Contact Aziz Phone: 416 669 9539 Email - [email protected] e-Book - https://www.amazon.com/author/azizvelji website - www.azizvelji.com Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary welcomed Howard Tavroges, a paralegal who has represented both tenants and landlords at the Ontario Tenant Review board, but now exclusively represents landlords. Tenants are not paying rent, banding together for support. Since these are difficult times, Gary picked Howard's brain about the legality of this current situation, and how landlords should proceed. Landlords aren't powerless, however there must be a process followed to ensure a happy and legal outcome. What you'll learn Why tenants are banding together to defer rent Has the tenant been proactive to propose a rent solution Is the tenant using the pandemic as a ploy, or having genuine trouble paying? Should landlords issue an N4 Should landlords then file an L1 What suggestions Howard has for landlords during this time with COVID 19 What about vacant possession - What if a seller has sold their home with a tenant and the buyer is going to occupy the home Howard's suggestions about collecting rent Can you use the last month's rent to fill in the gaps Is it wise to accept credit cards or Square payments There is an incredible backlog at the LTB, what is happening about scheduling these hearings. The LTB website have posted about possibly having telephone hearings, what does Howard think Howard's suggestions to expedite the eviction process How long he thinks it will take for a landlord to be able to get a hearing What is the landlord's obligations as far as maintenance during this time Prior to COVID 19, did you see any changes/improvements with the LTB process? And MORE! Bio Howard's Bio I only represent Landlords. That's all I do. Nothing else. Having been on the other side, I am in a very advantageous and unique position in being able to assist landlords with any problems they might be experiencing with their tenants. My philosophy is to provide all of my clients with superior, high quality and cost-effective legal representation. I have an exemplary reputation for diligence, preparedness and a comprehensive knowledge of The Residential Tenancies Act. Contact Howard Phone: 705-722-1971 Email: [email protected] Credit card payments: www.getdigs.io Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary welcomed Kathryn "RaRa" Asaro Mayers & Colleen Lindberg, founders of WYSIWYG into the studio for a really fun and engaging chat about WYSIWYG. WYSIWYG "What You See Is What You Get" is the easiest explanation we could come up with for the name of our PROJECT. The results KOLBE A Index and KOLBE F (Financial MO) Index provide are clear & concise. You will know exactly how you do things according to your connate abilities. Kolbe A index measures your instinctive way of doing things and the result is called your MO (method of operation). It is the only validated assessment that measures a person's conative strengths. Gain greater understanding of your own human nature and begin the process of maximizing your potential. What you'll learn Why Kolbe tests can help anyone interested in how they operate The 4 quadrants of a Kolbe test and what they show They can be used for interpersonal relationships, both personal and work-related Build businesses that match our strengths Assess how potential business partners work, to avoid future conflict Assess others' skill set, to better plan who does what Understand our children better How you handle money How you handle information Do you need challenges, or prefer stability Stop fighting your needs and embrace your true strengths The difference between Kolbe tests and DISC How these tests map out the three dimensions to the mind And MORE! Bios Colleen Lindberg Bio Colleen Lindberg, is a passionate speaker, trainer, facilitator, consultant, author and mentor. With her entrepreneurial spirit she started her first self-employed business at 17 years old. This zest for entrepreneurship extended into a consulting firm 11 years later, which she has been successfully running for the last 10 years. The Kolbe culture and way of life has been an off shoot to the consulting Colleen delivers in corporations. From individual understanding to team/joint venture dynamics, Colleen has been using the Kolbe index to enhance lifestyle and cultures within people and teams. She is the author of the book "Change the Light Bulb: Habits and Choices to Create Success In All Aspects of Your Life". Colleen loves life and enjoys spending down time taking walks, playing with her animals and laughing. You can always find her nose in a great book. She truly believes that the more you know about yourself the better ammunition you have to create lasting success in all the areas of your life. Kathryn "RaRa" Asaro Mayers Bio RaRa is a New Yorker who loves everything about the Big City. For over 3 decades RaRa has been living in Canada raising her family, then devoting her time to her businesses. The Entrepreneur in Kathryn emerged at a very early age, it was all she could think about. She went on to develop her market in Real Estate while living in New York as a Broker of Record. Then Psychology, Fitness, Nutrition, Lifestyle & Business Coaching while living in Montreal and New Business Development with THE BRIDGE, her Personal Growth Company. Speaking, Presenting, Coaching, Team Building, Business Etiquette & Relationship Marketing are some of the roles RaRa is passionate about. Some of the Businesses that have Kathryn's personal participation and partnership from inception are Owner & Concept Coordinator-Brooklyn Heights, Founder & CEO-THE BRIDGE, Co-Founder-Gratitude Girls, Co-Founder, Co-CVO-B.U. Network and Executive-Send Out Cards-Team Gratitude. Rotarian at heart since August of 2014 RaRa currently serves her community in Toronto as a member with her heart in "Service Above Self". Kathryn is a former member of Toastmasters International and BNI: Business Network International. Contact Kathryn WYSIWYG -What You See Is What You Get Co-Founder of WYSIWYG - https://www.facebook.com/groups/526470551524896/ Founder & CEO of THE BRIDGE, https://www.thebridgeempowers.com/ Co-Founder of GratitudeGirls, http://gratitudegirls.com/ Co-Founder & Co-CVO of B-U Network, https://b-u.network/ Executive Affiliate, Send Out Cards https://www.sendoutcards.com/u/82520 Contact Colleen Facebook - https://www.facebook.com/clindbergbusiness Instagram - https://www.instagram.com/thecolleenlindberg/ Website - http://colleen.biz/ Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

In this episode, Gary speaks with his personal MD, Dr. Carlos Yu. Dr. Yu specializes in getting people OFF their medications, responsibly, by replacing the effects of the meds through meditation classes, nutrition, etc. Their discussion delves into social contagions, and what they do to the lungs, social media hygiene, exercise, etc. and they do a LIVE 2 minute meditation! What you'll learn Is the fear spreading faster than the virus itself The benefits of social media hygiene How to balance alone time with sheltering in place with your family Why walking outdoors is very valuable during this epidemic Can healthy nutrition help battle viruses, and the role of flavonoids There are at least 5 viruses Why younger people with existing health challenges can get the virus Microbiomes, gut health and more Are people dying that are essentially healthy Why Italy was the hotspot for the longest time The numerous benefits of meditation Myths about meditation Why over sanitizing is note necessarily the best course of action Addictions in the current world And a LIVE meditation!! And MORE! Bio Dr. Carlos Yu, BMath, MD, CCFP(EM), CTH, FCFP Dr. Carlos Yu is a Psychotherapy, Addiction Medicine, Integrative Family medicine, Emergency medicine, and Travel Medicine Physician at Ajax Harwood Clinic. Carlos graduated from the University of Western Ontario and completed his residency training at North York General Hospital. His interests also include promoting population wellness through giving talks or running wellness groups at schools and other institutions. He runs weekly Accu-stress Reduction and Mindfulness -based Intervention groups open to everyone from his clinic in Ajax. He received group facilitation training through Mindfulness Without Borders, a non-profit organization that delivers mindfulness training to help individuals manage stress and emotional difficulties. Website/contact info for Dr. Carlos Yu Phone number 9056830690 Facebook https://www.facebook.com/carlos.yu.940 Instagram https://www.instagram.com/c.yu765/ Website https://ajaxharwoodclinicblog.wordpress.com https://www.whatisharewithpatients.com/p/home-page.html?m=1 Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

In this episode, Gary was a guest on Sarah Larbi's podcast, a real estate investor, speaker, podcaster and mentor with many years of experience. They had a wide-ranging discussion on many topics, such as investing, currency, and how business will need to innovate and change to survive this pandemic for the future. What you'll learn Gary's opinions on money, and the historical significance of investing The significance of WW1 and investing the significance of gold on currencies Why countries aligned their currencies to the US dollar in 1944 and became FIAT currency Why wars caused these countries to print money, and the ramifications 1971 Nixon unpegged the currency and the dollar became paper! How COVID-19 interrupted economies, and why countries will have to print TRILLIONS of dollars to keep the economies going * What will be the plan to deal with all this excess currency, is it inflation? Will governments be able to bail out or rescue every business affected? What is the silver lining in this crisis - innovation, and what it means! How jobs will change, move or be made redundant * How the workforce may change due to COVID changes, and how will the culture change - 'water cooler', traffic, etc. How local manufacturing, vs foreign may dominate the future How we're repositioning our business to prepare for the future Why some investors are worried about being over leveraged Why good landlords are having more success, both now and during non-pandemic times How landlords can innovate to accept alternate forms of payment if needed House price predictions for the future And MORE! Bio Sarah Larbi had the drive and focus to embark, build and grow a seven-figure, 10 property investment portfolio by her early 30's, all whilst full-time employed. Known as the BRRRR Expert, her results-oriented approach has been featured in numerous Canadian media, on the stage at events like Canadian Real Estate Wealth Investor Forum and as a guest on many North American finance-focused podcasts. Sarah hosts her own podcast "Where Should I Invest?", which reached the Top 50 of All Time for Canadian Investing on Apple podcasts and is also co-founder of The REITE Club and co-hosts their own successful podcast. Website: https://sarahlarbi.com/podcast-home/ Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

In this episode, Gary speaks with Stefan Aarnio, a real estate investor with many years of experience. Stefan has flipped thousands of properties, but also has experience with currency investing, and is a historical and current currency expert. What you'll learn History lesson, what the past can teach investors about future economic patterns The history of money - what former currencies still exist, and do they have relative value Should people be looking at gold and silver as an alternative or continue to focus on Real Estate? Should people take the mortgage deferral? What should people be doing during these times? How do they protect themselves? How long is this recovery going to take? Are we going into a recession or a depression? Canada and the US are firing up the printing presses - can they print us out of this? Hard times create strong men - what cycle are we in - talk more on your book and what people can expect What's the future look like What can people expect where that will tie in your newest book And MORE! Bio Stefan Aarnio is an Award-Winning real estate Investor, Entrepreneur, Author and winner of the 2014 Rich Dad International Hall of Fame award. Starting with only $1200, Stefan has built a Multi-Million Dollar portfolio for himself and his partners and has been recognized on The Self-Made List. Stefan runs a Podcast called "Respect The Grind" which is a series of interviews with elite people in various industries. The interviews are all about how it takes 10 years and 10 000 hours to achieve mastery in any practice and industry, and you must respect the grind! Website/contact info for guest Website - https://stefanaarnio.com/ The Book - http://strongmenbook.com/ Amazon - https://bit.ly/2V95soa Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

One of the things I've learned over the years is to surround yourself with the best in the industry and Daniel Patton is just that! A partner of Smart Home Choice, Daniel has been a mortgage agent for over 18+ years with a personal ranking of 17th across Canada for 2019 with Butler Mortgages (who recently ranked #1)... now that's impressive! On this Podcast we discuss the current market conditions, the major changes the Bank of Canada has introduced and is now the right time to refinance? and so much more. Learn from the best to be the best! What you'll learn Why variable rate mortgages are lower than fixed right now What happened on Friday March 13th! Why prime rate dropped 1% in one week Why prime - X% discounts are being removed for most new mortgages Why Prime +40 might cheaper than Prime -40! Why fixed rate mortgages are more expensive right now due to risk Why the Bank of Canada rate is dropping yet some mortgages are going UP due to the bond market Rates are only one factor in a mortgage - features, options and more are important too As debt grows governments will have to prop up the system to avoid a collapse Why B lenders are financing 75% not 80% at the moment Why A & B lenders have different qualification rules regarding income Why brokers can 'get creative' with income How is Genworth, a mortgage insurance company handling layoffs How temporary and potentially permanent layoffs are affecting approvals Why you do your homework and prepare questions before contacting a mortgage agent Why you shouldn't Google interest rates, as they are many factors that influence rates Why investors sacrifice rate for options by choosing a lender Is now a good time to refinance your mortgage? It depends on mortgage type, renewal date & penalty Will Lines of Credit be more restricted? Should you take advantage of the mortgage deferral? How is the deferral structured and will it affect your credit? Documentation is key to assist your broker or lender - bank balances, investment statements, RRSPs, etc Why you should provide your lender with an overall plan to assist with lending And MORE! Bio Daniel Patton has worked in the mortgage business for over 18 years and has established himself as one of the top mortgage agents in Canada. Along with his business partner Dave Butler of Butler Mortgages, Daniel has helped grow Butler Mortgage into the number 1 brokerage for investors by working closely with his clients on a day to day basis. Whether it be a self-employed investor, first time investor or seasoned veteran looking for ways to acquire more properties, Daniel and his team have years of experience planning and strategically helping investors from all areas both inside and outside of Ontario. "Investors, much like houses come in all different shapes and sizes, we must adapt to their situation and find ways to get approvals. Not every situation is alike and some require more time and patience, we strive on putting together a plan and working closely with our investors and love helping them achieve their financial goals and freedom." Daniel was Ranked as the #17 mortgage broker in Canada in 2019 by CMP Magazine and along with his team of investor savvy mortgage experts, they look to build on what is already been an amazing journey. Website/contact info for guest Email: [email protected] Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

In this episode, Gary speaks with Natasha Cultraro, a real estate investor and property manager with over 10 years of experience. She has experience with duplex conversion, single family buy and hold, and rent to own strategies. She shares her personal journey from transitioning from a full time 9-5 job to full time entrepreneurship, while starting two businesses! What you'll learn in this episode: * Mistakes investors make when selecting a pm company, and it's not price for value! * How a property manager can help set rent amount upstairs vs downstairs * How long typically a property stays vacant * how often ICPM update investors on cash flow * how a bbq gifted to Natasha changed her future * Why Natasha Insisted she get a duplex for her first investment property, and why the rent from the basement calmed her fears * Why taking equity from your first property will allow you to renovate it as well as purchase properties * How she transitioned from a 9-5 to full time investor and property manager * How her connections enables her to get a fast start in property management * Why parking spots play into the rent amount and number of apartments * What ICPM charges their clients to service the properties * How Natasha avoids burnout as an entrepreneur * Should investors manager their own properties or hire a property manager * And MORE! Bio Natasha Cultraro is a real estate investor and property manager with over 10 years of experience. She has experience with duplex conversion, single family buy and hold, and rent to own strategies. She funds her purchases through creative financing techniques and executes flexible joint venture partnerships. Natasha is the owner of Investor's Choice Property Management, Inc, a residential property management company serving Durham and Clarington regions. Most recently, Natasha has launched "The Intuitive Entrepreneur", a company that teaches business-minded individuals how to strengthen and sharpen their intuition in order to make better deals and become more powerful negotiators. Website/contact info ICPM Website - www.ICPMpros.com Phone - 888-641-8889 x3 Facebook - (ICPM) https://www.facebook.com/natasha.cultraro.3 Intuitive Entrepreneur - https://www.facebook.com/theintuitiveentrepreneur/ Instagram - @the_intuitive_entrepreneur LinkedIn - www.linkedin.com/in/natasha-cultraro Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Norada Real Estate Investments helps take the guesswork out of real estate investing. By researching top real estate growth markets and providing fully renovated turnkey investment properties, we help you succeed by minimizing risk and maximizing returns. A turnkey real estate investment means investing in a rental property that will give you continuous profit with little hassle. Bio Marco Santarelli is an investor, author, Inc. 5000 entrepreneur, and the founder of Norada Real Estate Investments – a nationwide provider of turnkey cash-flow investment property. His mission is to help 1 million people create wealth and passive income and put them on the path to financial freedom with real estate. He's also the host of the top-rated podcast – Passive Real Estate Investing. Find Mario here ==> https://www.passiverealestateinvesting.com/ https://www.noradarealestate.com/ What you will learn in this episode: When Marco started at 18 bought first his property, a townhome, needed some work so fixed it, managed it, leased it himself! He had started a few different businesses with a friend; He made a few mistakes with that first property but did well as his first rental; Learn the BIGGEST MISTAKE a real estate investor or potential investor could make with investment properties; Marco was 8 years old when he knew he wanted to be wealthy and create wealth, and what he did after that to achieve his goal, learning about finance, real estate, wealth generation; What your outcome COULD be if you don't continue learning as you invest; Maybe people WISH for their lives to improve by investing or building a business, but very few take actions by setting goals; Marco feels it's easier than most people think to kick the fear to the curb and TAKE ACTION to invest or build a business and that it's a HUGE mistake to not get started; How he translated his investment strategies to the California real estate market; How he transitioned his investing strategies from a frenetic 'buy anything' focus to a hyper focus on single family homes; How he weathered the financial collapse in the US, and what strategies he used; What factors you should consider when you buy to mitigate 90% OF THE RISKS when investing in real estate; The differences between mortgages in Canada vs. The United States; Marco's recommendations for resources and books to help investors LEARN and grow; AND MORE!

FROM THE ARCHIVES – PREVIOUSLY RECORDED 2017 There are more and more people interested in wholesaling BUT… does it really work? Is it possible to get started with very little money or none at all? On this call you will learn from one of the best in the industry, Allison Corey and how she took wholesaling to the next level. What you will learn on this call: • Can you get into Wholesaling without having much cash? • The best way to find investors and having the conversation • Can you effectively wholesale without using bandit signs? • Who do you need on your power team to get started? • What contracts to use and how do you assign the agreement? • How do you know if you have a great deal in front of you? • What is the single most important thing when wholesaling? • Who do you need on your power team to be successful? Bio Born and raised in Canada, I lived primarily in Southern Ontario. I have 2 daughters currently in college, and I worked part time in the beauty industry and 30 years in the hairstyling industry. My gift has been to manage and organize businesses. In 2006 I purchased a floundering hair salon and created systems to make it profitable, reselling it after 8yrs. That same year I also purchased a golf photography business and in turn helped head office restructure their website, technology and streamline their products and services offered. I got Involved with real estate in 2013. Primarily I have been purchasing multi units and lease options for wholesale, now moving into fix and flips. I participate in speaking engagements for real estate investment companies and write blogs for 2 different companies for online subscriptions. Contact Allison Corey Email: [email protected]

Ronald De Coteau, the owner of Property Pathways Inc. joins Gary Hibbert in the studio, along with co-host Quinton Cordick for an UNSCRIPTED podcast about real estate investing. What you'll learn on this Podcast: How Ronald got his start attending real estate clubs learning about buy & hold, fix & flip, and BRRR He bought his first home and rented part of it out, which is a great way to get started, as it likely won't be your forever home Leveraging the equity in that first property allowed Ronald and his wife to purchase multiple investment properties Ronald uses several methods to invest – pre-construction; BRRRR – Buy, Renovate, Rent, Refinance, Repeat How Property Pathways can assist BEFORE purchasing a property to ensure it is "Suite-Able", and finding out after that the property can't be converted How Property Pathways assists investors by providing assistance and advice to navigate the municipal bylaws and building code requirements How to build a successful portfolio as a real estate investor How Property Pathways helps investors buy a single family home and "BRRRR" it – adding a second unit to single family homes How Property Pathways assists with a renovation strategy, building permits, and the entire process How parking is becoming an important consideration for investment properties What are some of the BIGGEST mistakes an investor can make, and HOW to avoid these And MORE! Bio Ronald is the founder and president of Property Pathways and delivers on his promise to pioneer an enriched design and construction experience for real estate investors. He started investing in real estate in 2016 and was surprisingly challenged to find a design or contractor that could explain the legal process of a secondary suite renovation. He set out to become the subject matter expert and the valuable resource to real estate investors throughout Ontario. By leveraging his education and experience gained in the commercial construction sector, he created a hybrid service specific to real estate investors who focus on the creation of long term wealth by buying and holding or BRRR real estate. He works with real estate investors and their real estate agents to identify Suite-Able properties and has the battle scars and relationship in municipalities throughout Ontario to prove it. Navigating the bylaw and building code requirements for a legal secondary suite bridges the gap and creates a Pathway between the problems associating with converting property and the profit that awaits the investors. Our service is predicated on the belief that the building permitting process for real estate investors should be uniquely tailored and we achieve this through our four-phase design process that produces the detailed and easy to interpret permit drawings for a worry free construction process. Sit back, relax and enjoy today's show. Website: Property Pathways - www.propertypathways.ca Instagram: Property Pathways Phone: 647 870 1701 This podcast has been made possible by the support of: ICPM – Investors Choice Property Management - http://www.icpmpros.com/ ICPM offers affordable residential property management in Durham region.

Our new podcast studio is opened for business and what better way to usher in 2020 then to have the founders of Our Neighbourhood Realty, Bob and Rhonda Best to open the show. With over 30+ years of experience Bob and Rhonda have built a unique and fast-growing Brokerage that offers weekly training for Realtors to help them grow. Training them on scripting, investing in Real Estate, the importance of mindset and so much more. This dynamic duo has lofty dreams to take their Brokerage nationwide and change the face of Real Estate. Sit back, relax and enjoy today's show. What you'll learn on this Podcast; How Bob and Rhonda met and why they decided to start their own Brokerage? Why being a Realtor is a lifestyle and not a career or job? How to build a successful Real Estate business as a Realtor How important is mindset when becoming a Realtor? How Bob and Rhonda came up with the name for their Brokerage What to look for before selecting a Brokerage When you set your goals, how BIG should you make it? The commission fees they offer and why it's different from most Brokerages What Our Neighbourhood has to offer compared to other Brokerages The importance of surrounding yourself with the right people Bio With over 30+ years of combined real estate experience in the Greater Toronto Area, Bob and Rhonda have been the leaders of a successful real estate team and have held positions of leadership roles in various brokerages. It only made sense for them to take the next step and create something they were passionate about which allowed them to empower others on a larger platform with Our Neighbourhood Realty. Bob and Rhonda are devoted to their family and their community and have served on many community boards and sponsored many teams over the years. They not only live in "Our Neighbourhood", but they serve "Our Neighbourhood." Their attitude is to always come from abundance and gratitude. This Journey of Blue is an exciting road ahead for them as they partner with lifelong friends, Luiz & Paula, and change the face of real estate. Website: Our Neighbourhood Realty Inc - https://www.onri.ca/ Instagram: ourneighbourhoodrealtyinc Phone: 905-723-5353 ICPM – Investors Choice Property Management - http://www.icpmpros.com/ ICPM offers affordable residential property management in Durham region.

FROM THE ARCHIVES – PREVIOUSLY RECORDED IN 2016 On this call I had the privilege to interview Tim JP Collins and discuss something very close to his heart. Helping people overcome their ANXIETIES. We had an open discussion about anxiety and believe it or not, anxiety is a normal, common reaction that many people experience. What you'll learn from this call; - What is anxiety? - Why do so many people experience this? - What causes anxiety and what you should never do? - Is there a difference between anxiety fear and stress? - What steps can you take to overcome anxiety? - Why it's important to face your anxiety? - Should you take medication to get rid of anxiety? - Does social media tie into anxiety? - Does exercising and diet contribute to your anxiety? - Can you ever fully get rid of anxiety and do you want to? Tim JP Collins Bio: Tim JP Collins is The Breakthrough Anxiety Coach and supports people suffering with Anxiety, stress and panic attacks. Tim's approach isn't just about coping, it's about moving past Anxiety and fear to live the life you were destined for. Tim worked in the corporate world as a Vice President of Sales for 15 years, so is well versed in the business space. He ultimately decided that wasn't for him and was drawn towards supporting others, to live anxiety and stress free while going big in their lives. Tim has also spent time in Entrepreneurial and Real Estate fields, starting a business with his wife in 2007, in their spare time, which went on to be brand name in the infant market and was acquired in 2015. Tim is the creator & host of "The Anxiety Podcast" Each week Tim interviews people that have stories that you will be able to relate to. The interviews are raw, real and vulnerable and people share what's really going on for them. Tim believes that the more out of alignment we are in our lives, the more Anxiety & Stress will show up. He really looks at the bigger picture when working with clients. Tim JP Collins - The Breakthrough Anxiety Coach Host of The Anxiety Podcast ~ Less Anxiety. More Life! Web: http://www.timjpcollins.com Email: [email protected] Podcast: http://www.theanxietypodcast.com Facebook: http://www.facebook.com/timjpcollins Instagram: anxietycoach Twitter: http://www.twitter.com/timjpcollins YouTube: http://www.youtube.com/timjpcollins

This month I had the chance to sit down with Brady and Kristy McDonald. They started investing back in 2015 and in that short period of time they've been able to accumulate close to 100 homes! They built their own mini empire with the help of an awesome team of 15 people. The cool thing with this dynamic duo is throughout 2018 and 2019 they were able to operate their business from the Bahamas and the Florida Keys for 6 months. On this call you'll learn their favourite strategies, if you should put yourself into debt, the best way to remove fear and the age-old question, should you work with family members or not. Sit back, relax and enjoy today's show. What you'll learn on this call; What motivated Brady and Kristy to look into Real Estate investing? Why joining a Real Estate investing club can alter your life and mindset? The BRRRR strategy and how it allows you to scale quickly The evolution to Joint Ventures and using other people's money? The systems and process required to scale your Joint Venture partnerships The best way to remove fear for beginning investors and your JV partner? Should you work with family members when investing in Real Estate? The biggest mistake Brady and Kristy made and what you should do now? Should you put yourself in debt to buy an investment property and how? Their thoughts on mindset and should you write your goals down? Bio Brady and Kristy McDonald started investing in real estate in 2015 when they realized the wealth and freedom it could create for their family. Since, they have both retired from their day jobs, purchased close to 100 properties, built an awesome team of 15, operate a Joint Venture Real Estate company, a property management company and a renovation company. Although still very busy while away, they were able to operate their businesses from the Bahamas and Florida Keys for 6 months throughout 2018 and 2019. Website: https://www.bkrealestateinvesting.com/ Facebook: Brady.mcdonald.73 Instagram: BK.Brady

FROM THE ARCHIVES – PREVIOUSLY RECORDED 2016 Bio: Chris Shebib is a full-time real estate investor from the Durham region. Having held past careers as a licensed carpenter, contractor and technology executive, Chris has been investing for over 20 years in both Canada and the United States. Today Chris focuses mainly on longer term projects with joint venture partners, in and around the Durham region. Chris was also the winner of the National 2016 Top Investor Award. What you will learn on this call; - How Real Estate can buy financial freedom and freedom of time - The market is always changing and how to be prepared for it - What to expect when the market corrects and what to do - Why speculating the market can get you into a bad situation - Should you invest in the outskirts of Toronto and where? - What are the 4 metrics you need to know when investing? - Is diversification a good strategy to implement when investing? - Can you make double digit ROI or is that too good to be true? - What motivational principals are critical for investors to succeed? Website: http://FiveProperties.com Website: https://venturepropertyinvestments.com/about/ Email: [email protected] Phone: 647-241-1477 Ready to start investing in Real Estate? Visit us today at http://smarthomechoice.ca and download your free Real Estate investing book Now!

This was an important podcast to me. My hat goes off to Debbie Gilbert for taking on this type of investing but more importantly truly trying to help seniors in her community one property at a time. Debbie is the owner of Rosehill Heights, shared housing for senior women. One of the things that really hit me was that there are so many seniors living alone. This can create social isolation for them, which leads to physical and mental health issues. In fact, some studies have shown that social isolation can have a more negative effect on longevity than smoking 15 cigarettes a day! What Debbie is doing is incredibly important to her community and I truly respect the work she's doing to help. Have a listen, she's looking for investors to help her important cause. What you'll learn on this call; How using your car as a moving library can change your life. Why getting your hands dirty in the beginning can be a game changer? What is shared housing for senior living and is it a good investment opportunity? Why this type of investing strategy can save hundreds, maybe thousands of lives. Do you need a transition team and the important role they play? Is this a difficult investing strategy to implement and how do you get started? In 2030 25% of our population in Canada will be over the age of 65. What type of zoning is required for this type of investing? What is the golden Girls Bill and its importance to this type of investing strategy? Why shared housing is going to be a growing trend moving forward. Bio: Debbie Gilbert was born and raised in Barrie. Her career has been varied including running her own business, owning and operating a franchise, Executive Director of a local charity and working senior administrative positions in education and family mental health. She believes all her work and life experience have developed skills that have brought her to her current career as a Real Estate Entrepreneur. In 2015 she was downsized and outsources out of her J-O-B, and decided to get some formal education in real estate investing. She wasted no time in starting to build wealth through real estate. She remains a full-time investor who self-manages the properties in her portfolio which consists of several duplexes and student rentals in Barrie and Orillia. Debbie has done some coaching, some speaking, some writing and is a familiar face at many of the real estate investment groups in this area. A difficult personal experience with an older person in 2017 inspired her new project, Rosehill Heights, shared housing for senior women. She tells the whole story on a video on her website. Website: www.rosehillheights.com Phone: 1-833-456-7673

FROM THE ARCHIVES – PREVIOUSLY RECORDED 2016 What you will learn on this Podcast; What is the BIGGEST obstacle you will face in Real Estate investing and what to do about it? Why joining a Real Estate investing club can grow your business exponentially? Should you chase appreciation and how do you do it? Todor shares his investing strategy and why you should consider doing the same Should you consider investing in an appreciating area and is negative cash-flow ok? Should you use the equity in your home to buy an investment property? Understanding fears and the best way to overcome them. Why action is the most important step when investing in Real Estate? Why it's important to treat your tenants like GOLD. Plus much, much more! BIO Todor Yordanov is a Real Estate Investor and active Real Estate Agent. His tagline is "Rediscover Dreams and Possibilities". Todor believes in holistic achievement of dreams that will benefit and influence those around him. He promotes education, support and most of all action that creates positive results. Todor invests, develops, coaches, educates and gives back to the community. He is also involved in real estate development of creative spaces, mixed use projects for lower income or subsidized income rental units and condos. For more information on Todor Yordanov please visit www.humbercondos.ca www.yordanovteam.com Ready to start investing in Real Estate? Visit us today at http://smarthomechoice.ca and download your free Real Estate investing book Now!

Dave Dubeau This month I had the chance to interview one of my early mentors, Dave Dubeau. I first stumbled across Dave's website around 2010 when I was just getting Smart Home Choice started. The knowledge, tips and strategies I learned from him in the start of my investing career allowed me to make leaps and bounds in Real Estate investing. I sincerely believe that if you take a few minutes out of your day, Dave will make an impact on your life as well. What you'll learn on this call; How Dave did 18 deals in 18 months using a simple marketing technique How to use multiple different strategies to create a win/win scenario The strategy that Dave prefers today compared to his earlier methods The biggest mistake Dave see's most investors make in the beginning The one thing that most real estate investors focus on to be successful What's the shiny stone syndrome and how to avoid it? The most important thing you should never do when looking for a Joint Venture partner What type of Joint Venture partner should you always stay away from? How you can still succeed in real estate investing even if you're not good at sales What is the biggest fear most investors have to overcome? Bio Dave Dubeau is a Real Estate Entrepreneur, Best-Selling Author, Speaker and Investor Attraction Expert based in Kamloops, B.C. Canada. He began his real estate investing career in 2003 doing 18 deals in 18 months. He later switched his focus to client-first rent to own deals, and nowadays he invests in multi-family (apartment building) properties. For the last several years Dave has been the World's #1 Investor Attraction "Imple-Mentor". Using his proprietary 5 Step Money Partner Formula™, Dave helps his real estate entrepreneur clients to grow their portfolios significantly and in record time by attracting investors (instead of chasing after them). website:www.DaveDubeau.com website: www.InvestorAttractionBook.com - Get a complimentary copy of his new book

FROM THE ARCHIVES - PREVIOUSLY RECORDED 2016 In this Podcast, I had the opportunity to talk with Ryan Carr, who capitalized on a unique strategy. He had the vision to turn single family homes in to 2 unit properties that many investors ran from. If you think you can't make deals work in your area anymore, tune into this month's Podcast to find out this game changing strategy. What you'll learn from this Podcast; How can you get started in Real Estate investing The skills required before you get started Can you can purchase 7 properties in 1 year? What's a vertical split and how can you use it to your advantage? Why semi-detached homes should be considered for a 2 unit conversion Should you get out of bed for a return less than 30%? How to determine if a home can be turned into a vertical split How to retire early by using Real Estate investing as your vehicle Why knowing your "WHY" is important and to creating the lifestyle you desire How do you attract Joint Venture partners to grow your portfolio BIO Ryan Carr is a full time real estate investor from the Durham Region who specializes in maximising residential rent potential using his "vertical split" renovation technique. His company, R.W. Carr Investments, has created a sustainable portfolio through the use of joint venture funding, and has also recently branched out into mentorship programs for newcomers to the industry. You can learn more about Ryan at http://rwcarrinvestment.com Contact Ryan at [email protected] Ready to start investing in Real Estate? Visit us today at http://smarthomechoice.ca and download your free Real Estate investing book Now! Email us today at [email protected] to book a free 1 on 1 call.

Les Brown On today's show I had the chance to talk with one of my mentors that has had a huge impact on my life, Les Brown. From listening to him in my car, at the gym and when I'm relaxing, to now be in a position to be able to interview him was a huge accomplishment for me up to this point in my life. There are so many great take-aways from this show, Les Brown has truly mastered the craft of communication and shares his incredible story and how to design your life. "Do what is easy your life will be hard. Do what is hard your life will be easy" – Les Brown. Bio Motivational speaker Les Brown was born Leslie Calvin Brown on February 17, 1945, in Miami, Florida. After giving birth to Brown and his twin brother, Wes, on the floor of an abandoned building, Brown's biological mother gave her sons up for adoption when they were six weeks old to Mrs. Mamie Brown. When he was in fifth grade, Brown was forced back a grade by the school's principal after being disruptive in class. Brown's demotion subsequently led him to being placed in special education classes and labeled as mentally retarded. As an adolescent, Brown attended Booker T. Washington High School where he was influenced by a speech and drama instructor who encouraged him to pursue a career in radio broadcasting. After graduating from high school and briefly working for the Department of Sanitation, Brown worked as an errand boy for a Miami Beach radio station. At the station, Brown observed the disc jockeys with hopes of one day becoming an on-air personality. His break came when one of the disc jockeys became inebriated. Brown stood in for him and then was hired as a disc jockey. In the late 1960s, Brown moved to Columbus, Ohio, to work for WVKO Radio, where he became active in the community. Brown's political activism in Columbus won him a seat with the 29th House District of the Ohio State Legislature. In his first year, Brown passed more legislature than any other freshman representative in Ohio State legislative history. In his third term, Brown served as chair of the Human Resources Committee. In 1981, Brown left the Ohio State House of Representatives to care for his ailing mother back in Florida. While in Miami, he continued to focus on social issues by developing a youth center training program. In 1986, Brown entered the public speaking arena on a full-time basis and formed Les Brown Enterprises, Inc. In 1989, Brown received the National Speakers Association's highest award, the Council of Peers Award of Excellence (CPAE). In 1990, Brown recorded the Emmy Award-winning series of speeches entitled You Deserve, which became the lead fundraising program of its kind for pledges to PBS stations nationwide. In 1991, Toastmasters International selected Brown as one of the world's best speakers and awarded him the Golden Gavel Award. Brown ranks amongst the nation's leading authorities in understanding and stimulating human potential; he is a featured guest on many radio broadcasting stations and is often hired by professional corporations to teach and inspire new levels of achievement. What you'll learn from this call; How do you make the best of everyday to change your life? The early ages of Les Brown and the major turning point in his life. The 3 major lessons Les Brown learned in the 11th grade from his Drama teacher. How to get the most out of listening to Podcasts and seminars to better your life. The scariest moment Les Brown had on stage and what he did to overcame his fear. Why do some people become successful while others don't? The importance of a vision board and remaining focused on your dreams. The difference between failing and seeing yourself as a failure. How to know when an opportunity presents itself? The secret medicine to life and what you need to do every single day to live longer.

Sarah Larbi This month I had the chance to sit down with the one and only Sarah Larbi, one of the founders of the REITE Club. Sarah is an active real estate investor, the host of 2 different podcasts, mentor, coach and so much more. If you want to learn from someone making BIG waves in the world of Real Estate investing, you have to listen to this episode. Great sound advice offering unique strategies and tips. BIO Sarah Larbi specializes in helping take the mystery out of home ownership for Canadian's who thought real estate investing was going to be out of reach. She has earned their trust and respect by having the drive and focus to embark, build and grow a seven-figure, 9 property investment portfolio by her early 30's. Sarah's goal is to inspire and train other fellow Canadian's to realize their own property owning dreams by sharing her 7-step investing process through her online training programs. This has helped her students go from first property, whilst fully employed, to planning retirement in around 10-15 years. Her results-oriented approach has been featured in The Toronto Star, 1010 News Talk Radio, and Canadian Real Estate Wealth Magazine as well as numerous online media. She is an invited speaker at the Canadian Real Estate Wealth Investor Forum and is often a guest on numerous North American finance focused podcasts. Her boundless drive, energy and continued focus on knowledge building and personal development see's Sarah as host of her own podcast "Where Should I Invest?", that has reached a Top 25 ranking on Apple podcasts. In the podcast Sarah interviews fellow real estate investors about their strategies and geographical focus, providing valuable insights to her audience with actionable tactics for their own real estate goals. Sarah has spoken on investing at several professional networking groups and as co-founder, she also hosts regular investor learning sessions, for experienced and newer investors, through the successful REITE Club. When not attending various real estate and investor conferences and events or looking for her next investment property, Sarah can be found enjoying her time outdoors with friends and family, trying out new restaurants and brunch spots, or hanging out at a local Starbucks. What you'll learn on this call; How long should you stay at your job before quitting and investing full-time? How finding her tenants first lowered the amount of vacancy she had in the beginning? What's the BRRR strategy and how can it speed up the growth of your portfolio? The importance on focusing on one market vs multiple areas. How do you continue to keep financing your properties without using your cash? What is dead money and why most people don't use it to their advantage? The difference between good debt and bad debt and how to use it. What is the ideal amount of time you want to keep a tenant in your property for? The difference of using a mortgage broker vs. going directly to the bank. The importance of mindset and the people you surround yourself with. When is the best time to invest in Real Estate? Website: www.thereiteclub.com Website: www.sarahlarbi.com Phone: 6479644571 Instagram: @investorsarahlarbi

On today's show I had the chance to sit down with a good friend of mine, Neil D'Souza. Neil is a mortgage agent who specializes in private mortgages and is very knowledgeable when it comes to this type of investing strategy. I've recently started investing in these types of deals and I can honestly say, I love them. This is the closest I've seen to being a passive type of investment. There isn't a right or wrong strategy, however there are strategies that suit your lifestyle and for me, this one fits my lifestyle for where I am in my career. We discussed a lot of important topics on this call. If you're new to the world of private mortgages, Neil goes through the most important aspects of private mortgages and will leave you with a good understanding of how this all works. Enjoy. Neil D'Souza's BIO Neil is a Licensed Mortgage Agent who specializes in Private Mortgage Investments. A busy family man, and former Government employee Neil has been in the investing world for over a decade starting with income properties and now showing small and large investors alike how to be the bank and earn secure, contracted returns through private lending in up, down or sideways real estate markets. Starting his own business Ontario Private Mortgages to advise and assist investors, and to help borrowers secure needed real estate funding. What you'll you learn on this call: What's a private mortgage and how does it differ from the traditional investments? Where Neil acquired the skillset to properly be able assess the risk of private mortgages Why do families/investors look towards private funds instead of traditional financing? How risky our private mortgages and how can you minimize your exposure? What type of funds can you use for this type of investing? RRSP's, TFSA's Pension etc. The BIGGEST mistake that investors make when investing in Private mortgages. How high of an LTV (loan to value) should you consider going up? What is cross collateral and how can it provide additional safety to your deal? Where can you put your funds to get started in these types of investments? How to determine what investing strategy to use at each stage of your life. Website: www.deep-pockets.ca email: [email protected] Instagram: neilmortgages Phone: 647-526-2900

FROM THE ARCHIVES - PREVIOUSLY RECORDED 2016 What you will learn on this Podcast • Why traditional investments don't work on their own • The importance of picking up a Real Estate Investing Book • How many different investment strategies should you focus on • Should you refinance your investment properties • What's more important, quality or quantity • How can you get infinite returns investing in Real Estate • What's better, appreciation or cash-flow • Can I do this without being a Landlord • Should you do Joint Venture partnerships or on your own • How to make sure you don't get caught in a BUBBLE Bio Monika and Vaughan Jazyk , chose Real Estate as an investment vehicle to build passive income and long term wealth for their growing family. After a tumultuous two years of actively investing in a wide range of Real estate Investment strategies , Monika and Vaughan identified specific Real Estate models they used to create a successful real estate portfolio and a lifestyle of freedom for themselves and their four young children. They are the owners of Real Property Investments, a Real Estate Investment Corporation that helps Real People build Real wealth through Real Estate! As Real Estate Investment specialists and wealth builders, they share these successful models ( and their experiences) with others investors, minimizing the investor's risk and maximizing their returns! Contact Monika & Vaughan Jazyk Website – www.rpinvestments.ca Meetup – www.meetup.com/GTA-Real-Estate-JV-Investors-Networking-Group/

Kory Mackinnon - On today's show I had the chance to have an intriguing conversation with the one and only Kory MacKinnon! In a short period of time he's been able to acquire over 60 doors with a mix of long term and short term rentals. What has helped him get through all these life experiences? An unwavering mindset along with the habits and outlook to make it all come together by design. We also dove deep into the steps on how to leave your full-time job and the mindset required to endure such a journey. Find out what Kory and his investing students implement on a daily and weekly basis to succeed in life and in real estate! Kory MacKinnon Bio A former Corporate Trainer, and National Level athlete from small town Sarnia, Ontario, Kory was able to able to use decades of Business and Competition work-ethic, habits and mindset to escape the Rat Race in his 30's with…Real Estate. What started off as a profitable side hustle has now turned into a Money Making Machine and a $10M+ Real Estate Portfolio. With investing experience across multiple markets, Kory has wholesaled, joint ventured, flipped for profit, re-purposed buildings, bought raw land, implemented creative financing and used the BRRRR method on route to owning dozens of income-producing properties, over 60 doors with a mix of long term and short term rentals. A devote husband and father of 3, soon to be 4, there are no excuses around finding the time to invest – you make the time! With over 25 years in the training and education arena, Kory also runs a niche real estate coaching business assisting other investors to grow their real estate holdings so they too can retire early! It's been an interesting past couple of years for Kory as an investor: He has been fortunate enough to: -Have built a profitable Property Management Business in South Western Ontario -Bought properties that aren't just a 10 cap, but 15 and 20 cap properties in great areas of town. -Turned a triplex fire into a turnaround project with a $350K upside -Closed on a 12,000 ft church for $12/sq. ft., that will become 30+ units -Picked up a multifamily building for $5000 (in Canada not Detroit :)) -Bought a 10 acre parcel of land in a prime area for development for $26k / acre -Has done ZERO money down real estate, Large Credits on Closing, Vendor Take Back Mortgages, and to boot has represented Canada Internationally as an athlete going as far as the Olympic Trials for Weightlifting. What has helped him get through all these life experiences? An unwavering mindset along with the habits and outlook to make it all come together by design. Find out what Kory and his investing students implement on a daily and weekly basis to succeed in life and in real estate! Kory MacKinnon Author of the Book "Inside The Mind of A Millionaire REI" What you'll learn on this call; The importance of exposing yourself early to Real Estate investing. How Kory was able to purchase a 6-plex for his first investment property. The steps to being able to purchase a couple properties each and every year. How Kory was able to leave his 9-5 job and the leap of faith required to do so. How a life changing event changed Kory's life and the important lesson he learned from it. How much of your income should you replace before you decide to leave your full-time job? The very first thing you need to do after you've finally made the decision to quit your job? Why networking is so important and how often should you be doing it? If you experience failure, the mindset required to recover and to keep moving forward. The most important think Kory would go back and tell his younger version to do right away. To find out more about Kory, visit him at; Website: http://korymackinnon.com Instagram: korymackinnon Ready to start investing in Real Estate? To learn more about Gary Hibbert visit https://www.smarthomechoice.ca

Summary Have you ever felt that somebody is in control of your financial freedom or future? Or have you ever had that light bulb moment in your life where you said… "Never again!"? Well, you are not alone, and Gary Hibbert has been through the same difficult times. Gary Hibbert is a fulltime Real Estate investor, licensed (and award winning) Real Estate agent, and educator. In 2008 he purchased his first investment property, and through hard work and dedication left the regimen of the corporate world to become a full-time real estate entrepreneur in 2014. In this episode, learn Gary's story, the things he lacked in the beginning, how he overcame numerous mistakes, and how having the right mindset and learning from other people on the same journey has helped him win and create some serious success in real estate investing. Topics Covered: 01:12 – Gary tells how his real estate investing journey started 05:21 – What he primarily does as a real estate investor 07:39 – Admitting that he lacked one thing at the beginning 08:06 – What he regards as the biggest mistake most real investors make 07:33 – The most significant mistakes other real estate investors are making 09:53 – Sharing an insightful excerpt from the book Rich Dad, Poor Dad by Robert Kiyosaki 10:12 – Gary talks about his unfair advantage 12:07 – His best advice for people to get over their fear and go forward despite possible failures 15:12 – What he regards as the most significant problem he solved for people he worked with 16:54 – How to connect with Gary and find out more about real estate investing 17:31 – Wrapping up the episode with a piece of actionable advice from Gary – "Attend meetings. Listen to experts in the industry, or in your local market. Talk to other real estate investors in your area and do that for about 2-3 months, pick a strategy, then implement it." Key Takeaways: "I would say that my unfair advantage would be I love to jumping in and taking action. And I would say that I'm also very comfortable with making mistakes. And I think people that make mistakes, they think that it's a problem or they're there. They're done in the right path, and then they give up. But the key is when you make those mistakes as obviously to learn from it, and then they continue to keep moving forward." – Gary Hibbert "I think the best thing is the mindset. It doesn't have anything to do with money. It has to do with mindset. There are so many different ways to do it, but it's about writing down your goals, and once you do it, you move forward with that. So, mindset is such a huge thing, and learning from other people that have gone through that journey." – Gary Hibbert

PREVIOUSLY RECORDED - 2015 What you will learn on this interview • The single most important thing you need to be a successful Real Estate investor • Why building a strong team can take your investing career to the next level • The danger of information overload and how to avoid this trap many investors fall into • To find JV partners, there is one single thing that every investor needs to do • When A JV partner says… "I'll think about it" and how to overcome this response • How to protect yourself in a Joint Venture Partnership • Why people fail when putting together there JV partnership and how to correct your pitch • Why sticky notes can completely change your life and why you should buy some right now Bio Joey Ragona is the CEO of JDR Investments, a professional real estate investment company, founder of Engaged Investor.com and the creator Real Estate Joint Venture Presentation Formula. A full-time investor since 2007 and joint venture specialist and he is an in-demand high performance coach helping real estate entrepreneurs get "unstuck" to build a business that returns personal freedom without sacrificing their lives. His lifetime business knowledge, experience and marketing expertise has already helped hundreds of entrepreneurs find clarity and define new systems and strategies to create a stable business that no longer controls their lives giving them the true freedom they've always wanted. As for the coaches and mentors I've trained with (some are still to this day) Greg Habstritt, John Assaraf, Brendon Burchard, Eben Pagan. Contact Joey Ragona Website www.engagedinvestor.ca/

On today's episode I had the opportunity to learn from Nadia Clark Cordick how to achieve optimal health and the dangers that lurk around the corner if you're not careful. After a lengthy career as an elementary school teacher, like so many other entrepreneurs she felt unfulfilled and decided to quit her career as a teacher and start her boutique Fitness class in 2014. We discussed some HOT button topics including, gluten free diets, the issues surrounding detoxing, intermittent fasting, the Keto diet, the microbiome in your body, how many glasses of water should you really be consuming and so much more. What you'll learn on this call; What is a Keto diet and is it healthy for you? Should you eat close to earth and what does it mean? Are there benefits to intermittent fasting and the proper way of doing it? The importance of taking naps and what it can do for your life? Why meditation is essential for everyone especially entrepreneurs? Should you try a water fast before any other fasting techniques? Why off the shelf detox's for the liver, colon or kidney may not be good for you? How much water should you be drinking on a day to day basis? What is Microbiome and why you should be paying attention to it? What is a Gluten Free diet and should you incorporate into your life? What is the difference between blending or juicing of your food? Should you take cold showers and is there positive benefits to this? Who is Nadia Clarke Cordick Nadia Clarke Cordick is the intense yet exuberant fitness and nutrition expert behind Repetitions Fitness. She started Repetitions after a lengthy career as an elementary school teacher. Feeling unfulfilled in the classroom, she decided to quit her career as a teacher and started Repetitions Fitness in 2014. Nadia has committed herself to helping women be the best and healthiest versions of themselves by teaching them how to integrate holistic, purpose-driven fitness and proper nutritional habits into their daily lives. Her goal is to empower women with strategies to help them reach and sustain their fitness goals. Nadia became involved in the fitness industry in high school as a means to cope with persistent anxiety issues. By working through these obstacles and taking control of her life, Nadia's knowledge, perseverance and ingenuity has given her the ability connect with women of all ages from various walks of life. As an educator, fitness expert, nutritional coach and plant-based ultra marathon runner, Nadia has an extensive background in the area of health and wellness. She holds a B.A., and B.Ed., from York University and the University of Toronto as well as certifications from the International Sports Sciences Association in the areas of Fitness Training, Fitness Nutrition Sports Conditioning & Exercise Therapy. Nadia is currently pursuing a Master's of Science Degree in the area of Human Nutrition and is also regular guest fitness expert on CTV's The Social. As a wife and mother of two girls, Nadia works hard to instill the importance of healthy living in her children through modeling clean eating habits and by living an active lifestyle. To find out more about Nadia, visit her at; Website: http://repetitionsfitness.ca/ Instagram: Repetitions_fitness Ready to start investing in Real Estate? To learn more about Gary Hibbert visit https://www.smarthomechoice.ca

PREVIOUSLY RECORDED On this Podcast you will learn; The importance of never giving up Why your BIGGEST mistake can be your great gifts How to get into Real Estate investing by being creative Why you must always focus on cash flow The importance of taking action Why profits are better than wages BIO Regardless of what she does, Tahani Aburaneh's determination stems from the clarity in her driving force, which is to make positive transformations (in people, businesses, and land). As Canada's leading female expert in real estate investing, Tahani is a Land Developer, International Speaker, Trainer, and proud mother of two grown children. Tahani is the founder of the Elite Real Estate Agent Training SIAC (Savvy Investor Agent Certification). SIAC is the first certification training that's solely dedicated to Canadian Real Estate Agent who want to tap into the investor niche. At SIAC agents will learn comprehensive investor-niche strategies, tactics, and methodologies, so that they can attract a constant flow of clients, differentiate themselves from other agents, and exponentially increase their income. She is the author of the 'Savvy Investor Agent Guide' as well as 'Real Estate Riches Book', which is ranked on Amazon's real estate bestsellers list. In accordance with her drive to contribute, 100% of the proceeds from Real Estate Riches Book are donated to care.org, an organization that fights poverty in third world countries with an emphasis on women. To find out more about Tahani, visit her website below http://www.tahani.ca/ Ready to start investing in Real Estate? To learn more about Gary Hibbert visit HTTP://www.smarthomechoice.ca

If you're looking to be inspired or how you too can inspire others then this is a show you will want to tune in to. From Real Estate investing, to one of GTA's #1 real estate agents, to launching her own successful Coaching and Consulting company, Kathleen is no stranger to failure, perseverance and success. You'll will want to listen to this Podcast a few times to ensure you get all the great ideas Kathleen shares on this truly life changing episode. What you will learn on this Podcast; Does it help to get your Real Estate licence when investing in Real Estate? How a divorced single mom made no excuses and pushed through every barrier to succeed. Can playing the market like Monopoly be the secret formula to success? Why risk is good and the importance of getting out of your comfort zone. What type of debt should you put yourself into and why it's the most important thing? The best deal is sometimes the deal you don't do and how to know the difference. The importance to agree on what to do if things don't work out when you're happy. How do you know when it's time to let go of an investment deal or a business? How having a growth mindset and reasons vs results can change your life forever. The best way to bend the world in your favour BIO Kathleen Black is one of Canada's leading Real Estate Coaches and Trainers, delivering her proven success techniques to Agents and Teams across North America. Beginning her career as a ReMax Real Estate Agent and working her way to being recognized within the top 1% of Realtors in both the Durham Region and on the Toronto Real Estate Board, many would agree that this level of success is the pinnacle achievement amongst their peers; but for Kathleen it was only the beginning. Kathleen quickly realized that her success was attributed to programs that she had developed internally over years of perfecting her craft as an Agent. Recognizing the demand for such programs, Kathleen set out to work on further developing each system and building out a robust platform of educational programs and coaching methods designed to provide Real Estate Agents with the tools and techniques needed to progress forward both personally and professionally. In 2015, Kathleen Black Coaching & Consulting (KBCC) was formed. With the launch of KBCC and building upon her 10+ years of Team and Agent development and guidance, hundreds of teams have attributed their growth and success to Kathleen's leadership either directly or through one of her coaching programs. Her credibility and understanding of the Real Estate market has guided countless teams to be Top 1% Producers. The success of KBCC centers around integrity, honesty, and results-driven measures, the very things that represent Kathleen. Her "practice what you preach" mantra has served both herself and her clients well with over 80% of them at the top 1% of production across the country. If being a CEO, development coach, professional speaker, and educator weren't enough, Kathleen is also a dedicated mother and has been named one of the Top 100 Elite Women Driving the Future of Real Estate by REP Magazine, and in 2018 as one of the Top 20 Emerging Leaders by T3 Sixty. Kathleen is also the driving-force behind the Ultimate Team Summit, the largest team specific Real Estate summit in North America and the premier event destination for top producing teams and professionals. Website https://kathleenspeaks.com/ Visit Gary Hibbert at https://www.smarthomechoice.ca

On today's show I had the chance to sit down with Dr. Carlos Yu and what an eye opening interview. One of his many missions are to help his clients get off of modern-day medicine, stop the suffering from addictions and to have them take back control of their lives. What you will learn on this call; What is addiction and what causes it? Is addiction only drug related or can you be an addict in other areas? The cycles of addiction and how to stop it before it begins. How do you know if you're an addict and the symptoms? Is addiction a disease or a mental health issue that can be reversed? The importance of getting to the root cause of addiction and how to do it. What are flavonoids and how they can help your cravens and overall health. Why 30% of Ontarian's are Diabetic or Pre-Diabetic and how you can stay healthy. What types of food should you have in your daily intake? How to improve the performance of your mind through one simple task. What is B.A.M. and how it can change the way you process information. Is social media a problem and should we continue to use it? Bio: Carlos Yu BMath, MD, CCFP(EM), FCFP Assistant Professor Queen's University and McMaster University; Lecturer at University of Toronto (Adjunct); Peer Leader, OntarioMD. Dr. Carlos Yu runs self-management education and support groups to prevent and manage chronic physical and mental conditions. He provides experiential learning opportunities for other healthcare providers and medical learners interested in learning how to organize such groups. Due to their innovative patient engagement strategies, the Ajax Harwood Clinic received Merck's Patient First Award and selected by CFPC as a "Success Story of Patient Medical Home". Dr. Yu also works as an emergency physician and enjoys farming. Website: www.whatisharewithpatients.com

PREVIOUSLY RECORDED What you will learn on this Podcast How to afford anything and travel the world The importance of paying yourself when operating your properties What's Air B&B all about and is it a good strategy to add to your portfolio Why you need to make outsourcing a priority and how to do it How to quit your full time job and to start living life to the fullest What's your most valuable asset and how to get more of it Money doesn't buy stuff it buys choices How Real Estate investing can break the chains of your 9-5 job How to properly prioritize and why it's so important Bio Paula Pant is a podcast host, writer, speaker, and media commentator on financial independence and real estate investing. She is the creator and host of the Afford Anything podcast, which has more than 5 million downloads and is regularly ranked as one of the Top 50 Business podcasts by Apple Podcasts. She is the founder of AffordAnything.com, a personal finance website that draws 2.5 million pageviews per year and holds more than 52,000 email subscribers. She is frequently quoted in financial media including Forbes, Kiplinger, Lifehacker, The New York Times, PBS, Marketplace Money, The Washington Post, The Globe and Mail, Inc Magazine, Yahoo! Finance, Business Insider, The Simple Dollar, Get Rich Slowly, AssetBuilder, Wisebread, the Huffington Post and many more. Her articles have appeared on dozens of major websites, including MSN Money, AOL DailyFinance, AARP Bulletin, Franklin Templeton, Bankrate, Hotpads, Trulia, Huffington Post, AOL Real Estate, H&R Block, The Balance and the Motley Fool. Contact Paula Pant Website www.affordanything.com/ To learn more about Gary Hibbert visit www.smarthomechoice.ca

Stephen Jones Interview - On today's show I had a chance to sit down with my good friend, realtor and entrepreneur Mr. Stephen Jones. Over the last several years he's had some incredible achievements in the real estate investing world and has shared the stage with some of the best in the industry. On this show he shares his insight on where things are in the market and how you too can become financially free. What you will learn on this call; Why he attended the 10X Grant Cardone conference and the valuable insights he acquired What are the predictions for the market in 2019 How he got started and the positive impact it had on his life and family The process on how he left his 9-5 job and the mindset required Should you invest outside of Province and how Is mindset an important ingredient to success and are their other important factors The common realization all entrepreneurs have after leaving their 9-5 job How to over coming the fear of public speaking What's the best investing strategy in today's market and where to buy Why buying just one investment property is the best thing you can do Bio Stephen Jones is a prolific Realtor®️ and Real Estate Investor whose consistent work ethic, drive, and passion have all earned him the reputation as a dedicated industry leader countrywide. Moreover, he is known as a Preferred Investment-Focused Realtor for the Real Estate Investment Network RPG Program, Keyspire, and Investor on Fire. Over the course of half a decade, he has garnered extensive hands on experience in helping fellow investors achieve their goals. In addition, he formerly served as a Manager for the Province of Ontario. Embarking on his investment journey back in 1998, Stephen purchased his very first investment property in the heart of Pickering, Ontario for $147,000. To date, he is involved in land development and the owner of multiple properties not only in Ontario, but in Alberta and British Columbia as well. Currently, he is on a mission to assist his valued clients in building secure, lucrative real estate portfolios. When he isn't working directly with new investors, Stephen Jones can be found spending quality time with his wife, 4 children and his dog. He is also a voracious reader and avid traveler. Contact Stephen Jones email: [email protected] website: https://bluelinerealestategroup.com/ Smart Home Choice website: https://smarthomechoice.ca

PREVIOUSLY RECORDED ON JANUARY 2015 I had the privilege to sit down with Kate and Sandy to discuss something every beginning Real Estate investor wants to know about. Can you REALLY get into Real Estate investing with no money? What you will learn on today's show; • How they got started and how you can to with no money • How Wholesaling works, is it easy and the mindset you need • The BIG challenges for beginning Real Estate investors • The best ways to find great deals both online and offline ….and much much more.

On our show this month I had the chance to discuss the success Ankur has had, from his journey from India to Canada and how he turned his early failures into massive success! In a twist of fate, our journey's crossed path's early in both of our careers on a deal we worked on that changed his life forever. An incredible story of how perseverance and hard work can alter your life for the better. What you will learn on this call; How facing your fears can change your life for the better The one book that completely changed Ankur's live forever How his first investment created a $10,000 profit The importance of creating a database of investors How to analyze a wholesale deal and what to charge How No Money Down is based on Relationships How sharing the stage with Kevin Harrington was a game changer The BIGGEST mistake most wholesalers make in the beginning Why building your brand is important for your business Why Having the right relationship with money is important Contact Ankur Puri Email: [email protected] Website: www.ankurpuri.com BIO Ankur Puri is a Successful Strategic Real Estate Investor, Speaker, Mentor and upcoming Author. He has shared stages with Legends like Kevin Harrington (Original Shark Tank), Raymond Arron, and Dr. Ona Brown. He has been featured in Canadian Real Estate Wealth Magazine / CREW, Local Newspapers, podcasts and many more. After immigrating to Canada in 2010, Ankur worked in a restaurant for close to minimum wage. With No Money, No Credit or Experience, he decided to quit his job to follow his passion for Real Estate. With only $98.25 left to his name, he made his first successful deal netting him $10,000 dollars. Since then, Ankur has done all his deals No Money Down and has flipped over 18 properties in 3 Years with Net Profits of 1.2+ Million Dollars. As an "Expert Strategist", Ankur has created massive wealth for himself and is well known among his J.V. Partners for producing 20%-30%++ ROI. Ankur is dedicated to help others achieve their success through his Seminars, Closed Group Masterminds and Absolute Success 1 on 1 Mentoring Program. He says, "J.V. Partnership is like Short-Term Marriage leading to Long-Term Relationships." He believes, "A Real Investor makes Money either way the Market Turns." Check out my previous shows on YouTube https://www.youtube.com/SHCInvestor