beyond MD with Dr. Yatin Chadha – Détails, épisodes et analyse

Renewing a mortgage is more than just re-signing with your existing lender. Today I sit down with Elan Weintraub to discuss everything related to mortgages and renewals. Treat it like a financial checkpoint that aligns with your career, family plans, and cash flow, not just a headline rate. 

We dig into the real levers you control, and uncover key questions you should ask:

Why is a 30 year amortization often a good idea?

Considerations for paying down the mortgage faster

Why every 4% rate isn't the same (interest can compound too)

What do I need to know about adjustable vs variable rate mortgages?

What are the range of prepayment options?

Are tax strategies real or overhyped?

What are the pros and cons of mortgage laddering?

If you’ve got a renewal coming up or want to future-proof your financing, this is a concise masterclass on what actually moves the needle. 

If this helped you, subscribe, leave a review, and share it with a colleague who’s staring at a renewal letter right now.

Arya EHR: https://www.aryaehr.com/

Elan Weintraub:

https://www.linkedin.com/in/elan-weintraub-9683702/

https://mortgageoutlet.ca/

Yatin:

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

There are 2 questions I have become truly fascinated with and aim to answer in this episode:

- why do some people truly enjoy their work, while others don't?

- how do we go about finding more joy at work?

I've spent a lot of time reading around this topic and picking the brains of my fellow colleagues. Today I share what I've learned and the things I'm working on.

There are likely several nuggets you can take away and incorporate into your work.

Contents:

- Introduction (0:19)

- What 4 mid-career doctors told me when I asked them how they stay interested & motivated for work (2:15)

- Action 1: Social connection (3:52)

- Action 2: Emphasize process over finish line (6:39)

- Action 3: Introduce playfulness (13:25)

- Action 4: Gain back some control (15:08)

- Action 5: Never stop growing (18:36)

Links:

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Today I'm thrilled to welcome Dr. Benjamin Hutten-Czapski, founder of Rewards MD to discuss a topic that can benefit each and every one of us...

...traveling the world by paying less through optimizing credit card rewards.

You will want to listen to the end. Key links are at the bottom.

Discussion Points:

- introduction (2:18)

- Rewards MD & how it's different (5:44)

- what makes a good keeper credit card? (7:55)

- a summary of the various ecosystems (10:18)

- Amex platinum: worth it? (13:48)

- A framework for accumulating points (16:53)

- sign up bonuses (23:12)

- cards for sustainable point earning in Canada (27:27)

- Visa infinite vs. privilege - key considerations (30:50)

- aeroplan e-store optimization (33:38)

- Aeorplan status - why is this significant? (37:55)

- Paying taxes with credit cards (40:20)

- Amex business gold benefits (44:16)

- Risks of audits? (46:25)

- Chexy - pay taxes, rent, utilities (48:41)

- How to handle lump sum expenses (51:00)

- Approach to redeeming points (53:06)

- Building the ideal credit card wallet (57:45)

- Closing thoughts (59:50)

Dr. Benjamin Hutten-Czapski:

•  www.rewardsmd.ca
•  consultations 
•  PointsYeah
• http://chexy.co/rewardsmd
• smallbusiness@chexy.co 

Dr. Yatin Chadha

• beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha
• Amex referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Yatin Chadha hosts Elan Weintraub, co-founder and director of the Mortgage Outlet, one of the largest private mortgage brokerages in Canada and recipient of numerous industry awards. Elan is known for his no-nonsense straight talk and discusses the following: advantages offered by brokerages, forces influencing mortgage rates, current rate environment and when changes may happen, factors to consider when deciding on variable vs fixed mortgages, what to expect when converting a variable rate to fixed, HELOCs (home equity line of credit), updates in the mortgage world, and considerations to keep in mind when deciding whether to break a mortgage and lock in a new rate.

Dr. Yatin Chadha interviews Jamie Golombek, managing director of tax and estate planning from CIBC. Jamie Golombek is a very well respected voice on personal and corporate tax matters for professionals. Topics covered: corporate vs RRSP investing, how to structure corporate investments for tax efficient returns, tax treatment of various types of corporate investment income (including foreign income), ways to work around the new passive income rules for corporate investment income, and more. Have you had the following questions: where should I be holding foreign dividend earning stocks and should I be paying out Canadian dividends from my corporation? Also more on the prescribed rate loan. Direct any inquiries to beyondmdpodcast@gmail.com

Yatin Chadha hosts Joe Fazio and Kristen Fazio from Professionals' Insurance Centre to discuss disability and life insurance policies (including whole life insurance). Joe Fazio has been in the insurance industry since 1981 and has developed a thorough understanding of the financial needs for physicians, which is his primary area of focus. Kristen Fazio has dedicated her career to educating young medical professionals and focuses on providing customized recommendations to her clients beginning in medical school all the way through to retirement. Please note, the content in this episode is very relevant to all professionals, including non-physicians. The discussion includes understanding important riders in disability insurance policies, understanding the factors at play when deciding how much term life insurance to purchase, and better understanding the components of whole life insurance (including universal life insurance) and when these products are useful. Please send any questions or topics of interest to beyondmdpodcast@gmail.com.

Yatin Chadha interviews Ali Spinner, accountant from Crowe Soberman specializing in tax matters. Topics include when to incorporate, salaries vs dividends, passive income, structuring corporate investments, RRSPs vs corporate investments, and pearls including ways to use corporate funds in a relatively tax friendly manner.

Medical professionals typically begin earning later than their peers and are usually not adequately exposed to financial topics during training. Beyond MD is led by Dr. Yatin Chadha and guided by expert analysis. Each episode, Yatin interviews accountants, lawyers, brokers and advisors to heighten awareness on important topics like professional corporations, holding companies, estate planning, insurance policies, and investing. It's time to take your financial knowledge base to the next level so you can get ahead outside of the workplace. Please send questions and topics of interest to Beyondmdpodcast@gmail.com.

Welcome back to a second episode on the Canada Pension Plan (CPP).

My guest is Jason Yee, a true CPP ninja. Jason guides us through CPP and its 2019 & 2024 enhancements to outline the key features of the plan & helps us understand what we will get from it in the future.

Discussion Points:

Jason's background (2:43)

CPP basics (5:05)

Key features of CPP (6:27)

Why is CPP so polarising? (9:26)

What determines what we will get out of CPP? (11:32)

CPP enhancements: why & how do they help us? (13:21)

What about years of lumpy/low income? (17:32)

Considerations for when to start CPP (21:36)

CPP payout scenarios (23:16)

Take home points for the busy professional (26:16)

Closing thoughts (28:05)

Jason Yee:

Contact:  greetings@finepointsolutions.ca

Company website:  https://finepointsolutions.ca/

All our CPP ideas & resources:  https://finepointsolutions.ca/ideas-resources/

LinkedIn:  https://www.linkedin.com/in/yee/

YouTube channel:  https://www.youtube.com/channel/UCwuA3EIkAUT1xIPy3lqJwPg

Yatin Chadha:

Email: beyondmdpodcast@gmail.com 

LinkedIn: Yatin Chadha

How to support beyond MD:

• connect with me on LinkedIn: Yatin Chadha
• credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&CPID=100373056

Today I welcome Promod Sharma & Jeevan Sharma to the show to discuss the immediate financing arrangement (IFA).

Promod (actuary) & Jeevan (CFP) specialize in helping high-net-worth individuals & tackling their unique situations beyond basic insurance coverage. 

Discussion Points:

What is an IFA? (2:17)

Whole life (WL) vs Universal life (UL) - which is more suitable for an IFA? (3:41)

What is the cash surrender value (CSW)? (7:35)

How can policies be structured to allow for IFAs...Important (9:30)

Who could benefit from an IFA? (16:55)

IFA mechanism: 

- policy as collateral (23:23)

- how large can the loan be? (24:42)

- lenders (26:32)

- personal vs corporate loans (27:57)

- loan rates (30:58)

- guarantee fees (31:35)

Does IFA impact policy growth? (33:34)

Using policy as collateral vs directly borrowing from the policy (34:20)

How are IFAs tax efficient? (36:34)

Loophole? (42:34)

Fees (44:55)

Ways to pay off the loan (45:44)

Permanent life & IFA checklist - Important (46:25)

When not to pursue an IFA (50:56)

IFA risks (53:09)

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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

Promod Sharma & Jeevan Sharma:

https://taxevity.com/

ps@taxevity.com

js@taxevity.com

https://www.linkedin.com/in/promod/

https://www.linkedin.com/in/jeevanksharma/

Yatin Chadha:

Email: beyondmdpodcast@gmail.com 

LinkedIn: Yatin Chadha