The Clear Money Mindset

Lending Dollars & Saving Percents - Part 2  

Rob Zanet of Axiom Mortgages continues his conversation with Ben as he provides more professional insight into the mortgage world. In the second part of this 2 part podcast Rob discusses his experiences with re-financing (this may be a big trend over the next few years), private mortgages, stress tests, and much more including variable versus fixed mortgages. 

A podcast that really hits home (owners). 

With the cost of housing going up, those who are looking to buy a home (or refinancing your current home) must work hard to save money. This is where the mortgage broker – a professional whose job is to find you the best mortgage rate, enters the conversation. Rob Zanet of Axiom mortgage walks you through what you need to know in part one of this 2-part podcast including: 

• The benefits of using a Broker. 

Rob Zanet and his wife Sandra have collectively over 50 years of mortgage experience in Windsor & Essex Country and currently operate Axiom Mortgages that locally has 2 offices located in both Tecumseh and Leamington.  

Investor emotions have a big impact on investor behavior. That can often lead to making the wrong decisions a the wrong time. This can affect how we react in both up and down markets. Our first podcast in 2020 was about navigating our emotions in investing. We want to revisit that today. 2022 continues to be a tough year. We want to look into how the right mindset can have an impact on our investments.

What would you do if we told you that your “Very Strong” password could be figured out within an hour with no other information about you and if small amounts of information are known it can be minutes or seconds? Many people are unaware of seemingly innocent ways you give your information and how that may make you very susceptible to online hackers. You may be at risk if: 

• Any of y0ur p@$$w0rd$ l00k l!k3 Th!S. 

We also discuss: 

• Are call phone biometrics safe/secure? 

In the second and final part of this two part podcast Ben continues his talk with Chris Martin – Staff Software Engineer with Mozilla Firefox as they discuss the password debacle and gives some suggestions on how you can increase your security in the online world.  

What does a modern hacker look like? Many of us have a picture of a person sitting in the dark surrounded by computers and monitors **cue suspenseful music and typing sounds**but this is no longer the face of hackers. You may be surprised at how susceptible each of us can be if we are ever chosen as a target for what has become a lucrative and profitable industry. Today Chris Martin – Staff Software Engineer with Mozilla Firefox educates us on some ways that hackers use everyday exploits to try and gain access to our information. This podcast is not meant to scare but to inform and make use more conscious of the decisions we make surrounding technology and how we access computers. It will take place over 2 parts; the first part will be Chris taking us through some historical accounts of hacking and ways that hackers used a variety of tactics to gain access to companies and information. Be sure to stay turned for part 2 where Chris walks us through simple ways to protect ourselves.  

The Reality of Realty version 2.0 - the second half of our podcast episode explores more inside information from a professional in the real estate industry. If you are planning on buying or building this is a MUST listen, some topics we discuss are:

- The importance of credit monitoring

Thank you to Sebastian Schmoranz, Managing Partner at McGregor, Sims, Schmoranz Law Office

For many, buying a home is a daunting experience. In this sellers market it can feel like you are rushed into something you do not fully understand, but you feel the need to act quickly. It would be great if before we got into the housing market, we could sit down and chat with a professional with a ton of knowledge of the industry and get an idea of how buying or selling a home works, and the things to be careful of.

Todays podcast is exactly that. We will begin a two part series with  Sebastian Schmoranz, Managing Partner at McGregor, Sims, Schmoranz Professional Corporation.

Sebastian obtained his Bachelor of Arts (Hons.) in French & Business from the University of Waterloo in 2009. He graduated from Western University's Juris Doctor program in 2013 and was called to the Ontario Bar in 2014. He began his career at a large Bay Street firm which helped him develop a strong work ethic and the ability to solve complex problems while under pressure. He came home to practice law in Kingsville in 2016 and purchased the firm from Terrence L. Sims in 2020. 

In this and the following podcast Sebastian will walk us through all things Real Estate, and give us a sense of the market conditions today. In this insightful discussion Sebastian walks us through the Real Estate process from beginning to end and gives some great insight for any who are looking to get into the market.

Law Office | McGregor, Sims, Schmoranz Law Office | Ontario (msslawyers.ca)

I wanted to share some thoughts on Ukraine, and how the crisis there is affecting the markets. We want to be careful to acknowledge that our thoughts and prayers are with the people of Ukraine. The trouble of navigating investments during this time pales in comparison to what the people there are going through. 

We have also issued a newsletter on this topic, it can be found at the link below.

Global Uncertainty & Your Investments 

It is 2022 and tax time is just around the corner. We want to give listeners a heads up on any changes and give them some tips as they prepare for tax time. So we have invited Josie Hope back on to the Podcast. Josie is a Chartered Professional Accountant who has over 10 years of experience working at the CRA.

Josie Hope, CPA, CMA is a Partner at LJ Business Solutions. More information on Josie can be found at Income Tax | Bookkeeping | LJ Business Solutions | Ontario (ljbizsolutions.com)

Welcome to 2022. We hope you had a great holiday! The new year is usually a great time to take things more seriously and do some of the things you have been putting off. Today we want to help you will that. We are going to be talking about the importance of wills, and how we can go about getting one. We will also walk you through what happens if you die without a will. Our guest today is Ashley Harmon, Ashley is a Lawyer at Hogarth Hermiston Severs in Amherstburg, Ontario. If you are looking at getting a will done, or thinking of updating your current will, todays discussion is for you.

Ashley Harmon - Lawyer | Facebook