I've become fascinated with productivity over the last 2 years because it's another tool in our kit to effectively increase the time we have in our lives, so that we can live life on our own terms.

I share my experiences over the years & key learnings from 4 of my favourite productivity books (see below).

Discussion Points:
- why I'm fascinated by productivity (0:40)
- hack #1: set your goals & write them down (1:55)
- hack #2: figure out your next action step (4:18)
- hack #3: plan & structure your day (6:22)
- hack #4: cluster your tasks (9:33)
- hack #5: deep work & avoid task switching (11:21)
- hack #6: tackling technology & optimizing your environment (15:14)
- hack #7: figure out how to capture your ideas (18:14)
- hack #8: create an accountability partner (20:14)
- hack #9: being productive while you rest (21:57)
- hack #10: make it fun (24:04)
- hack #11: embrace the 2 minute rule (25:25)
- the 4 books I cited in this episode (26:28)

This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)

4 Great Productivity Books:

https://www.feelgoodproductivity.com/

https://www.goodreads.com/book/show/25744928-deep-work

https://www.amazon.ca/ONE-Thing-Surprisingly-Extraordinary-Results/dp/1885167776

https://www.amazon.ca/Getting-Things-Done-Stress-Free-Productivity-dp-0143126563/dp/0143126563/ref=dp_ob_image_bk

Yatin:

• Email: [email protected] 
• LinkedIn: Yatin Chadha

Ways to support the show:

Amex Business Platinum referral:
https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC7UzU&CPID=100560249

Amex Cobalt referral:
https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&CPID=100560249

Hey gang - this is a re-release of one of the most popular episodes ever.

Not out of laziness, but because several listeners have reached out to ask about which credit cards will allow them to elevate their travel game.

There's no better time than the start of the new year to talk travel :)

I interviewed my guest, Ricky Zhang (founder of Prince of Travel), in the summer of 2023. Most of what's discussed here is still very relevant today.

CRITICAL: In the conclusion I summarize key changes you will want to know before you sign up any cards.

Summary:
Ricky's background & the origin of Prince of Travel (5:05)
How does the points system work? (8:27)
Earning points rapidly through credit cards (12:34)
Credit score fundamentals (20:27)
Should we keep our credit cards for the long term? (24:00)
The credit card game isn't for everyone - who should avoid it? (28:14)
Other ways to rack up points at a faster pace (33:00)
The best credit card for Canadians: Amex Cobalt (34:07)
Credit cards for small business owners, why Amex points are so versatile (35:05)
Understanding the RBC Avion point system (38:24)
Redeeming points efficiently, dynamic pricing, ideal booking windows (41:07)
Example of redeeming points - Toronto to Portugal (46:46)
Prince of Travel Concierge services (51:27)
Aeroplan elite status (53:35)
How to get started (55:00)
Rapid fire, including a strong credit card portfolio (56:39)
How many credit cards does Ricky have? (60:18)
Closing thoughts (61:40)
CRITICAL - updates on rewards (62:49)

Credit card links (cards I use & benefit from):

Amex Business Platinum:
https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC7UzU&CPID=100560249

Amex Cobalt:
https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&CPID=100560249

Social media links & email:

Yatin:
[email protected]
https://www.linkedin.com/in/yatin-chadha/

Ricky:
https://princeoftravel.com/
https://www.youtube.com/@PrinceofTravel

Today I welcome Aravind Sithamparapillai (MBA), who is an associate at Ironwood Wealth Management. Aravind is becoming known as a tax ninja - he breaks down complex topics nicely for listeners of all levels.

While the focus of this episode is meant to be CPP (Canada Pension Plan) & its relevance to business owners, we cover a lot of ground that includes salary vs dividends & tax basics.

Discussion Points:
Aravind's background (4:18)
The basics of tax integration (5:00)
Tax integration by province/territory (6:42)
Tax credit & deduction on the employee portion of CPP (9:16)
Employer portion of CPP - tax deductible (14:13)
What is the true cost of CPP? (16:30)
Understanding the dividend gross up & dividend tax credit (22:05)
Income based benefits that can be impacted by the dividend gross up (26:15)
CPP vs investing yourself in the corporation (31:13)
Salary + dividend vs salary only approach (39:10)
What about the IPP (41:35)
Other CPP benefits - disability, children, survivor (43:30)

Post call newsletter: https://postcall.ca/

Aravind:

• https://www.linkedin.com/in/sithamparapillai/
• [email protected]

Yatin:

• Email: [email protected] 
• LinkedIn: Yatin Chadha

Ways to support beyond MD:

• Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
• https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&XLINK=MYCP

Today I'm thrilled to host Dr. Neel Chadha. Neel is a family physician who made the bold decision to go all in on developing retirement residences for seniors.

This is a story of embracing new opportunities, taking calculated risks, & pursuing a focused life to find success.

Discussion Points:
Introduction (1:35)
From family medicine & geriatrics to developing senior homes (5:15)
Neel's decision to leave the hospital & go all in on senior living (6:55)
Neel's retirement residence community (9:35)
Senior living in Canada - status quo, supply/demand (12:00)
Investing in senior living - key metrics to track (16:25)
Navigating interest rates & other challenges in 2023 - key takeaways (18:42)
Why a focused life is critical for success (23:30)
The importance of mentorship (26:05)
What Neel wants to be known for (30:25)
Closing remarks (31:10)

This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)

Neel:

• https://lanarklifestyles.ca/
• https://www.linkedin.com/in/dr-neel-chadha-44829013b/

Yatin:

• Email: [email protected] 
• LinkedIn: Yatin Chadha

Ways to support beyond MD:

• Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
• https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&XLINK=MYCP

The idea for today's pod was born after a riveting conversation on a flight to Florida. I'm happy to host Matthew Lee & Ming Lim from Volition Properties to learn how they've built wealth through investing in multifamily properties in the Toronto core.

Discussion Points:
- Introductions - worth it, I promise (1:30)
- Introduction to Volition (8:15)
- The investment thesis for multifamily in Toronto (10:35)
- Investment locations (19:50)
- Why tenants are so critical to the business model (23:45)
- Are there opportunities currently in Toronto? (25:30)
- What about areas outside the city core primed for more gentrification? (29:55)
- How do you turn properties into meaningful cash flow later? (33:30)
- The numbers behind a recent deal (44:55)
- How many properties does one need to exercise this strategy? (48:10)
- Price per square foot, the reason for 2-3 bedroom suites (51:00)
- 101 on laneway suites & the status quo in Toronto (53:20)
- Parting words (1:01:15)

Volition Properties:

FREE Monthly investor meetup:
https://www.meetup.com/Volition/

Detailed info on the condominiumization meetup Oct 29th, 2024

https://www.meetup.com/volition/events/302351457/?eventOrigin=group_events_list

Contact info: 

• [email protected] 
• www.volitionprop.com 
• 1-877-416-BRRR
• www.facebook.com/VolitionProp
• www.instagram.com/volitionproperties
• www.ca.linkedin.com/company/volitionprop
• www.youtube.com/@VolitionProperties

Physician Financial Wellness Conference:

• https://www.physiciansficonference.com/

Yatin Chadha:

• Email: [email protected]
• LinkedIn: Yatin Chadha

Ways to support beyond MD:

• Share beyond MD with your network
• Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Today is a little different on beyond MD. My incredible wife, Sima Acharya, interviews me to uncover money & life lessons I've learned over time. Plus, we talk about lessons we've learned as a couple.

Discussion points:
Sima's introduction (2:00)
Starting an idea - how & why beyond MD came to be (6:15)
Your spouse doesn't have to be a sounding board for everything (11:45)
The biggest lessons learned over time (13:50)
What concepts from the pod have I put into practice? (21:40)
What podcast topics have I intentionally avoided today? (27:59)
Lessons for the kids (33:00)
Our evolution when it comes to being aligned financially (35:50)
Most memorable beyond MD episodes (42:50)
My 3 favourite books (45:50)
My dream podcast guests (49:00)
Future ideas for beyond MD (50:50)

Yatin Chadha:

• Email: [email protected]
• LinkedIn: Yatin Chadha

Ways to support beyond MD:

• Share beyond MD with your network
• Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Books & resources discussed on this episode:

• https://andrewhallam.com/balance/
• https://www.amazon.ca/100-Baggers-Stocks-100-1/dp/1621291650
• https://www.amazon.ca/AM-Club-Morning-Elevate-Life/dp/1443456624
• https://www.lynalden.com/

Today I host my friend & colleague, Dr. Matt Poyner. Matt breaks down the Registered Education Savings Plan (RESP) & other ways to optimize finances when it comes to our kids' education.

Matt is a long time blogger at dividendstrategy.ca, physician, & is now passionate about offering flat fee financial planning.

Discussion Points:
- Matt's journey & foray into financial planning (2:34)
- Basic RESP overview (14:15)
- RESP set up - family vs specified (21:05)
- Optimal RESP contribution strategy (23:09)
- Investing approach inside an RESP (31:32)
- RESP withdrawals & understanding the RESP buckets (37:26)
- RESP options if your child doesn't go to school (44:00)
- Thoughts on optimizing student financial aid (48:44)
- Spending time with the kids - Matt's perspectives (57:50)

Matt:

• [email protected]
• https://PoynerFinancial.ca
• https://dividendstrategy.ca/blog-2/

Yatin:

• Email: [email protected] 
• LinkedIn: Yatin Chadha

Episode Links:

• https://dividendstrategy.ca/blog-2/
• https://postcall.ca/subscribe?ref=YJc1MtZLsq&_bhlid=f71f181c85b22d7c236a5b072534f69e25f99241
• https://rhombus-butterfly-rwgm.squarespace.com/updatesininpatientmedicine
• https://www.looniedoctor.ca/2023/04/21/resp-contribution/
• https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4092/registered-education-savings-plans-resps.html

Mark Halpern (CFP, TEP, MFA-P) is one of the top voices in tax efficient philanthropy in Canada. Earlier this year, Mark interviewed me on the reasons to give, and I came up with 4 reasons important to me that I hope you will find useful.

Discussion Points:
- my background & journey (3:00)
- the journey of beyond MD (6:02)
- how my interest in philanthropy evolved (11:20)
- reason #1 to give: giving makes is happier - what is the evidence? (13:10)
- reason #2 to give: imparting valuable lessons to our children (20:05)
- how to talk to our kids about giving (25:56)
- reason #3 to give: networking & entrepreneurship (29:00)
- reason #4 to give: financial benefits (33:20)
- numerical example of transferring appreciated stock from your corporation (35:30)
- how to make your charitable gifts more meaningful (39:30)

Yatin Chadha:
Email: [email protected]
LinkedIn: Yatin Chadha
Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Mark Halpern:
https://wealthinsurance.com/
https://powerofplatinum.com/
https://www.linkedin.com/in/markhalperncfptepmfap/
[email protected]

Links from this episode:
https://wealthinsurance.com/webdoc/TaxLetter-The-Entrepreneurial-Philanthropist.pdf
https://mycharityfund.ca/
https://www.givewise.ca/

Ways to support beyond MD:
Share beyond MD with your network
Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

I'm thrilled to host my friend & colleague, Arjun Saraf (CPA, CA, EMD). We focus on Mortgage Investment Corporations, with a focus on understanding the challenges in the current environment & key considerations when navigating this investment strategy.

Discussion points:
- Arjun's professional background (5:33)
- Quick overview on New Haven's MIC (6:57)
- Understanding equity based lending (8:50)
- How does a high interest interest rate environment impact a MIC? (12:00)
- The MIC business landscape today (15:07)
- Tax treatment of MIC investment income (17:41)
- Current trends on arrears (18:25)
- Thoughts on interest rates (25:45)
- Risk mitigations strategies within a MIC (29:40)
- Key lessons learned running a business in this environment (35:13)
- MICs vs other fixed income investment strategies today & when rates fall (36:30)
- 3 Key questions to ask before investing in a MIC (39:40)
- Time to liquidity/getting your money out (43:20)
- Arjun's most valuable lesson (47:25)
- My perspectives (49:50)

Yatin:

• Email: [email protected] 
• LinkedIn: Yatin Chadha

Arjun:

• [email protected]
• https://www.linkedin.com/in/arjun-saraf-cpa-ca-emd-b0667022/
• https://www.newhavenmortgage.com/

Today I'm excited to host Justin Manning, a licensed life & health insurance broker from BC, to talk about a topic I've been getting many questions on lately: Health Spending Accounts, HSAs.

Discussion Points:
- Justin's background (4:05)
- What is an HSA/PHSP (4:45)
- HSA eligibility (5:42)
- Who could benefit from an HSA? (9:45)
- What services are covered by an HSA? (11:20)
- Can travel insurance be covered by an HSA? (13:29)
- Specific services covered/not covered by an HSA (14:20)
- The mechanics of how an HSA works (16:55)
- How much coverage are we allowed through an HSA? (19:49)
- Plan customization, wellness spending accounts (22:22)
- Set up, key questions, costs (26:26)
- Any HSA cons (?), potential misuse (32:28)
- No need to prove health (36:38)
- Can provincial plans like OPIP be paid through by our corporation (37:17)
- Justin's closing thoughts, what if I already have a good group plan? (38:37)
- My perspectives (42:30)

This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)

Yatin:

• Email: [email protected] 
• LinkedIn: Yatin Chadha
• Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Justin:

• https://www.linkedin.com/in/justin-manning/
• https://justinmanning.com/
• [email protected]