The concerning decline in happiness among Canadians, particularly the youth, amidst a housing crisis that has significantly impacted affordability and well-being. Drawing insights from influential reports, we discuss the factors contributing to this trend and consider potential solutions, including the development of new cities to make housing more accessible.

• Canada has dropped in the world happiness index, with young Canadians (under 30) experiencing the steepest decline in satisfaction.
• Major cities like Toronto and Vancouver are among the least affordable in the world, with home prices soaring relative to income.
• Strategies for improving housing affordability may involve developing smaller cities to provide viable living options, rather than solely focusing on existing urban centers.

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The financial landscape is changing and thus, so are the challenges and opportunities in the real estate investing space. We look at 4 of the best ways to finance your deals in 2025 and beyond  

• Vendor Take Back (VTB) financing strategies
• CMHC MLI Select program advantages
• The new Canadian government secondary suite loan program
• Owner-occupied high-value property financing (90% of $2M LTV)

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What is the reality of achieving passive income through real estate investing? We examine various real estate investment strategies ranked from most active to most passive, highlighting that true passive income often requires significant upfront work, systems, and team building.

• Most real estate investing is not initially passive - Despite popular belief, many strategies like property flipping, short-term rentals, and direct property ownership require significant active management.
• Spectrum of passivity - Investment strategies range from highly active (flipping properties, Airbnb) to moderately active (syndication, partnerships) to most passive (REITs, debt investments, MICs).
• "Who Not How" principle - To achieve true passive income, focus on building systems and teams rather than doing everything yourself, following the principle of "who can do this" instead of "how can I do this".

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A deep dive into the Canadian proptech industry's transformation, examining how despite funding dropping 62.5% to $300M in 2024, companies are emerging stronger with more sustainable business models. The episode explores successful case studies and the industry's shift toward practical, results-driven solutions.

• More than 530 proptech startups are now operating in Canada, with 80% concentrated in five major tech hubs
• The industry is split evenly between residential and commercial sectors (42% each), with 16% focused on construction
• Successful proptech solutions are showing concrete results: ParkChamp increased revenue by $1M in Calgary buildings, while EcoPilot achieved 10% energy cost reduction in Halifax

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The tariff drama continues, we go over which Canadian cities could be impacted & why. 

• Ontario Manufacturing Cities Most Vulnerable: Five Ontario cities are among the top 10 most exposed to tariffs, with Windsor being particularly vulnerable due to its automotive sector. The auto manufacturing corridor employs over 25,500 workers across various facilities.
• Varying Housing Market Risks: Cities with higher housing prices like Oakville ($1.3M)and Brampton ($999K)could see larger impacts, while steel and aluminum cities like Saguenay ($315K)and Baie-Comeau ($225K)have lower price exposure.
• Sudbury Most Resilient: Despite $460M in U.S. exports at stake, Sudbury is identified as Canada's most resilient city due to its diversified mineral export market.

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As Millions of mortgages come up for renewal, we have been getting this question a lot. Fixed or Variable, whats the move for this year? We are joined by financial columnist and fellow Podcast Rob Carrick to discuss. 

• Variable and fixed-rate mortgages are now at par after six BOC rate cuts, with the 5-year bond yield dropping significantly from 3.85% to 2.64%⁠
• The Bank of Canada is expected to implement two more quarter-point rate cuts by July 2025, bringing the policy rate to 2.50%, with Big 6 banks forecasting even more aggressive cuts to 2.00-2.25% by year-end⁠
• ⁠​Market volatility is at levels not seen since 2008, with potential U.S. trade tensions and recession concerns creating an unpredictable rate environment⁠⁠

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We're joined by Jessica Moorhouse to discuss all things money, real estate, investing and success,

• Buying vs renting
• What a good relationship with money and success looks like 
• Your "why" in business, investing & life & the concept of 'enough point', and how to find fulfillment beyond monetary success.
• The importance of homeownership; Buying vs renting
• A budget is essential for financial clarity and success.

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This is a discussion about five crucial real estate investment terms for 2025. Know these, understand these and utilize them!

• Location remains fundamental but has evolved - investors must now consider factors like tech hubs, remote work accessibility, and infrastructure beyond just traditional metrics.
• DSCR (Debt Service Coverage Ratio) is crucial for evaluating investment property viability, with 1.25 being a good benchmark to ensure sufficient income to cover mortgage payments.
• Mortgage renewals will be significant in 2025, with 1.2 million Canadians facing renewal - preparation should start 4-6 months in advance to negotiate better terms.

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The complexities of renting versus buying in Canada's current housing market, offering insights from both perspectives as a homeowner and strategic renter. We break down the financial implications, personal considerations, and market conditions that influence this important decision

• The true cost of homeownership extends far beyond the mortgage payment, including maintenance, taxes, and opportunity costs

• Higher homeownership rates don't necessarily indicate greater wealth - Switzerland's example shows renting can be part of a successful wealth-building strategy

• The decision between renting and buying should align with personal goals, financial situation, and long-term plans rather than societal pressure

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The U.S. is possibly implementing a 25% tariff on Canadian goods, with Canada announcing retaliatory measures including a $155B tariff package. This could lead to decreased exports, a weaker Canadian dollar, and higher import costs.

• Different regions face varying risks - Ontario's automotive sector, Alberta's energy industry, Quebec's aerospace sector, and BC's forestry industry are particularly vulnerable to tariff impacts.
• While the broader economy faces challenges, construction costs in Canada could decrease as materials originally meant for U.S. export get redirected to local markets at discounted prices, though this may be partially offset by Canadian retaliatory tariffs on U.S. building materials.

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