In this episode of The Your Life! Your Terms! Show, we chat with Douglas Hoyes a licensed Insolvency Trustee.

He's been working with Canadians who are restructuring debt for decades and has seen multiple economic cycles good and bad.  We wanted to check in on what he's seeing these days, how Canadians are navigating the current economy and some common financial traps people can fall into. 

Welcome to Rock Star LIVE: Episode 1!
Join us for the debut episode of Rock Star Live, where we dive into all things real estate, investing, Canada, and living life on your terms. 
In today's episode, we go over Canadian interest rate predictions, the latest Ontario real estate data, Trump, the Canadian dollar and Bitcoin!

Credit to Ben Rabidoux for some of the charts shown. His work is top-notch. You can find his work here: https://edgeanalytics.ca/

Mark Jeftovic is the publisher of the Bitcoin Capitalist newsletter, operations BombThrower.com and is the founder of one of Canada's oldest Internet technology companies, EasyDNS.com.  On this episode of The Your Life! Your Terms! Show we catch up with Mark on a variety of topics including getting his latest thoughts on Canada and the possibility of central bank digital currencies.

We recorded this show in Jim Sheil's surf shack on the beach of Florida! This was a part of Rock Star's first-ever Florida Fast Start Property Tour, where 60 Rock Star Members toured Florida rental properties. Anthony sat down with Jim to ask him about why Jim loves Florida real estate, and why he loves the Build to Rent strategy in particular. Wait until you hear about all the opportunity for real estate investors in Florida!

Marc LaFleur is an international man of mystery ... you never know what you'll find him doing. He could be growing a new business on Monday, racing cars professionally on Tuesday and developing AI businesses on Wednesday. One thing is certain, Marc lives life to the fullest. On this episode of The Your Life! Your Terms! Show we catch up with his latest updates in all these areas and more. You can keep track of Marc on Instagram @darkmarc_ and get a copy of his book, True Founder, by visiting MarcLafleur.com

Floyd Marinescu has been an accomplished entrepreneur and investor. That birthed curiosity into thinking about non-mainstream solutions to help Canadians struggling with their income and housing needs, ultimately leading to the birth of two organizations focused on these issues. Now much of his time is spent working with the ideas of UBIWorks.ca and CommonWealth.ca. In this episode, we discuss their research on the impact of a Land Value Tax in Canada and the impact it could have for all Canadians.

Michael Emanuele walked away from his job during the pandemic and hasn't looked back. On this episode of The Your Life! Your Terms! Show we discuss how Michael made the decision to quit and how things have been going since! He's written two books, started his own design company and is partners in Tri City Builders, which does work in the Kitchener/Cambridge/Waterloo area for investors. We chat garden suites, legal duplexes and how to optimize your property for each of these. You can learn more about Michael by finding him on Instagram @webuildadus or RealEstateRehabbers.com/gardensuites where you can get a free copy of his How to Build Garden Suites guide!

Lawrence Raponi & Cosme Reveredo give us a look at how Equiton is evaluating the current market and what opportunities they're looking for now. They've carved out a specific type of property for their funds that they continue to build their portfolio with and share why that has worked best for them and why it's what they continue to look at moving forward.

On this episode of The Your Life! Your Terms! Show we chat with Dan Thiessen and Mike Desormeaux about staying fit in your 50s, the ideal supplements to take daily for maximum performance, sleep aids and workout routines anyone can do at home. Dan is preparing for a charity ride for Haiti where he's planning to ride a Rogue Echo bike for 12 hours straight and burn 6000-7000 calories in the process. We believe this is a world record attempt, wait until you hear how he's preparing for this! You can learn more about Dan and Radix Gym at RadixGym.com and you can support Dan's charity ride by visiting thedreamdealer.org

Lyn Alden is back on the Your Life! Your Terms! Show to chat about money, the economy, central banking, credit systems and her new book, Broken Money: How Our Financial System is Failing Us and How We Can Make it Better. Lyn is always a wealth of knowledge and insights and on this episode, we discuss her current writings on the macro economic landscape in the U.S. and globally. You can learn more about Lyn and sign up for her free newsletter by visiting LynAlden.com and you can find her on X @LynAldenContact

Jesse Berger is back on The Your Life! Your Terms! Show to chat all things Bitcoin. We discuss his latest thinking on the Bitcoin space overall, trends to watch in 2024 and discuss what some possible threats to Bitcoin could look like. Jesse is the author of, Magic Internet Money: A Book About Bitcoin, and has become a good friend of the show. You can learn more about Jesse at MagicBitcoinBook.ca or on X @jayberjay

On this episode of The Your Life! Your Terms! Show we explore the idea of stewardship as a path to a life of joy and happiness. Mark Krikke and Brent Vanderwoude discussed their views on Christianity, their own thoughts on faith and how we each have a responsibility to harness and share our individual talents. We found this discussion insightful and interesting and hope to do more like this. And of course we also discuss Bitcoin and what role Bitcoin can play in financial stewardship. You can learn more about both Mark and Brent and their podcast, The Two Stewards Show by visiting TwoStewards.ca And find out more about what Brent is doing at: https://www.goodstewards.ca/ And more about Mark at: https://joyhill.ca/

Joe Costanza is a young Rock Star Member who in his early twenties started buying rental properties, doing duplex conversions, and has now started his own architect and design business to work with investors. We chatted about Joe’s life, thoughts on investing and personal growth, advice on taking advice from other people, being a young investor, staying focused, and many other things. Hearing stories like Joe’s will inspire you to create your life on your own terms as well!

Some of the most common questions investors have are around working with contractors.  They've seen the results of selecting a bad one.  Whether it's budget overruns, trashed timelines, or outright ripoffs, there are a lot of horror stories out there. Dave Jurinic is the owner of Toronto Customs Concepts, and a friend who we've invested and done business with in the past.  His experience has made him an ongoing resource for questions about what to look for when selecting someone to do a project for you and how to avoid being on the wrong side of a bad scenario with your contractor.

Real estate investors love talking about taxes! So who better than accountant extraordinaire, John Paul McDonald of JPMPartners.ca, to bring on this episode of The Your Life! Your Terms! Show. We chat about corporate structures vs. holding property personally, tax efficiencies and John Paul shares his current thinking on real estate and income property investing.

We first met Jim about 15 years ago when he was flipping homes in California, lost touch, and then crossed paths again years later. That's when we learned he was flipping hundreds of homes in Florida, yes hundreds. It was impressive to see how he managed all the moving parts of that operation. Now he's moved on to the Build To Rent strategy and he explains exactly what drove him in that direction. Jamie is involved in all their businesses and was a driving force behind the shift in strategy so there was more time for them to both focus on what was most important to them using their Family Board Meeting strategy. To see what the Family Board Meeting is all about you can go here https://www.18summers.com/home or learn more about his Florida investments here www.sihomesfl.com.

Jeff Booth presenting live at the October 2023 Your Life. Your Terms. (YLYT) Event in Toronto. This event is held twice a year for clients of Rock Star Real Estate to share the latest trends in money, monetary policy, and economics. During this talk, Jeff shares his latest thinking and there's a short question-and-answer section at the end. Be sure to check out Jeff's book, The Price of Tomorrow: Why Deflation is the Key to an Abundant Future.

Daniel Foch has the unique ability to break down very complex economic concepts into simple, digestible bits. He regularly shares his thoughts on Canadian real estate investing, the economy, monetary policy, banking, mortgages and more across Twitter, Instagram and TikTok. He's also the co-host of The Canadian Real Estate Investor podcast which releases new episodes regularly along with his good friend Nick Hill. On this episode of The Your Life! Your Terms! Show we get his latest thoughts on all of the above and chat about life, business building, the future of Canada and more! You can find Daniel on Twitter @daniel_foch and his podcast by clicking right here: https://thecanadianinvestorpodcast.com/podcast/the-canadian-real-estate-investor

On this episode of The Your Life! Your Terms! Show we recap the recent Your Life! Your Terms! Event and discuss why debasement and M2 growth is getting out of control. In order to "get ahead" financially it's becoming more important to understand what M2 is, why it is acting as a head wind to your own financial freedom and what you can do about it. You can learn more about becoming a Rock Star Inner Circle Member by visiting RockStarInnerCircle.com/member

Garret and Jesse from Calvert Home Mortgage were in town for our most recent Your Life. Your Terms. event and sat down to share the latest things they're seeing from all the investors they deal with. We discuss the differences between Ontario and Alberta right now from a lender perspective and what they're seeing investors in both places gravitate to today. These two have their boots on the ground constantly evaluating different deals in a number of areas bringing a bit of a behind-the-scenes look into the current lending world. To check out the investor tools they mention go to https://chmic.ca.

Metrosuite is a company based out of Toronto that specializes in building pre-fabricated modular ADU / garden suite homes. It’s the most hands-off approach to building an ADU or garden suite in your backyard that we’ve come across yet, as they prepare the ground site and then crane the home and drop it into your backyard. As Ontario pushes for more favourable densification laws and incentives, ADUs, laneway homes, and garden suites are becoming increasingly viable and attractive for the purpose of multi-generational family living or extra rental income. Jacob Sofer gave a great summary of what your options are in this space! Go to https://rockstarinnercircle.com/member to check out all the classes available for Rock Star Members including the Legal 2nd Suites & Garden Suites Class where we teach this topic.

This episode is with Kelly Foss and Lauren Morley from the Millenial Minimalists Podcast, based out of Toronto! They share and teach the concepts of minimalism to their audience to help people live simpler and more intentional lives. Some of the benefits can include having more time, more money, more headspace, less stress and more of what you truly want out of life! What's not to like?! Check out their podcast here: https://podcasts.apple.com/ca/podcast/millennial-minimalists/id1432155616 , their website here: https://www.mastersimplicity.com/ , and their Instagram here: https://www.instagram.com/millennialminimalists/?hl=en

We've known D'Arcy for many years. In the past he's even taught a class here at Rock Star on how large real estate developers analyze projects. He's now gone on to new things and started buying up public storage facilities across Ontario. On this episode of The Your Life! Your Terms! Show he dives into all the details: how it was leaving his corporate job, what types of properties he's looking for, the ins and outs of running public storage facilities and what the future holds. You can find out more about what he's doing by visiting PantoneIM.com

Gerry Gatto is a WEALTH of info in real estate law. In this podcast, we break down EVERYTHING you need to know about closing on a property in Ontario including, title insurance, closing costs, mortgage insurance, the best mortgage payment frequency to choose, and what to do if there are issues with your property after you close. The more you learn, the more you earn!! You can contact Gerry Gatto and his team at info@gattolaw.ca or at his website https://www.gattolaw.ca/. And you can still purchase a ticket for the October 14th, 2023 Your Life Your Terms Event here: https://www.yourlifeyourtermsevent.com/

On this episode of The Your Life. Your Terms. Show, I sit down with David Fraser, the guy behind Bunkie Life, to hear how he turned a Dragons' Den appearance into serious momentum for his business. We talk about how he’s scaled Bunkie Life, his unique approach to investing (including balancing Bitcoin with business growth), and how he’s created a life on his terms—like moving to Florida and homeschooling his kids. David’s story is inspiring, down-to-earth, and packed with great insights for anyone looking to grow a business and live life their way. Don’t miss this one!

Francis Pouliot is passionate about his craft. He has created BullBitcoin to give Canadians easy access to what is the biggest trend of our lifetimes. There is a transition taking place, that few recognize, from a fiat based credit money system to a digital commodity system. On this episode of The Your Life! Your Tems! Show we hear Francis share his thoughts on Canada, Costa Rica, the future of money, Bitcoin and the monetary technology advancements happening right now. You can check out Francis' Bitcoin exchange and payment service, BullBitcoin and get $20 in Bitcoin for opening a new account by visiting www.RockstarBTC.ca

Marko Verkic was playing in the top tier of German soccer on the under-19 team and the Croatian national U19 team. But with a baby on the way becoming a full-time professional wasn't in the cards. So with no money and no plan, he had to make something work. That's when he went down the real estate path. Now he has a real estate investment company, brokerage, and growing team based out of Frankfurt, Germany. If you thought the banks and government were fanning real estate flames here with low rates, wait until you hear what was happening there. A lot of property and financial trends we're seeing here are global. This was a great look at the similarities, differences, and realizations from their market over the last few years. Marko's website is www.primodeus.de, Instagram is @marko_verkic. Go to www.YourLifeYourTermsEvent.com to check out the full event details now and register if you're a rock star member!

Ricky Zhang and Rohin Jain from The Prince of Travel are somehow travelling the world for free using credit card reward points. We asked them for all their secrets on how they’re doing so. What the best travel credit cards are in Canada, the minimalist credit card portfolio that will get you 80% of the credit card points results you’re looking for, and how to optimally redeem your points for maximum return on investment. If you travel a few times a year or have ever dreamed of travelling all over the world, you NEED to listen to this podcast! Use promo code YOURLIFEYOURTERMS for $50 off a Travel Summit ticket at https://thetravelsummit.com/ and go to https://www.yourlifeyourtermsevent.com/ to check out the big upcoming Rock Star event.

On this episode of The Your Life! Your Terms! Show we sit down to go over the state of the real estate market, where do prices go, what's up with Canada's money supply, interest rates, inflation, the price of steaks and more! Hold onto your seats as we dive into the chaos that is the current economy. We share all of this not to be negative but to prepare ourselves and in an attempt to not be blind sided by what happens in Canada next. Enjoy the show!

Spencer Gatten is an action-taker. He gets an idea in his head and goes for it. He's an amazing example of someone who doesn't waste time thinking about it and instead does it. Along the way, he found real estate, and he's had an incredible journey buying properties for himself and helping others do the same. Spencer's website is www.livinginlondonwithspencer.ca, Instagram is @LivingInLondonWithSpencer, And his YouTube is Living In London with Spencer Gatten. Go to www.YourLifeYourTermsEvent.com to check out the full event details now and register if you're a rock star member!

Hussein Kudrati is a fascinating guy. He's born in Kenya, educated in Canada, the U.S. and England. He's back in Canada with his family and has started a thriving law practice in Burlington, Ontario. Hussein's perspective on life, economics, Canada, family, principles, wealth and real estate are fascinating. His deep family history gives him a very unique perspective on where Canada is headed economically. You can find Hussein on Instagram @HSKLawFirm and his practice specializes in real estate, estate planning and corporate strategy.www.HSKLawFirm.ca

Get ready for the most in-depth podcast on home and property insurance for real estate investors that you'll EVER hear! We dove into what ALL the inclusions and exclusions you’ll find on a home insurance policy mean, Kyle’s BEST advice for investors on how to adequately protect yourself, and truly SO much more. This podcast is PACKED with practical information for you to understand home insurance and protect yourself better than you ever have before. If you’re looking to learn everything you possibly can about real estate investing, check out our website at RockStarInnerCircle.com, email us at Members@RockStarBrokerage.com, or call us at (905) 338-6964 to chat. You can email Kyle Melko at KyleM@AcumenInsurance.com or call him at (905) 574-7000 ext 222.

Risel Furtado is a force to be reckoned with. Together with Ernest Furtado she is on a global real estate adventure. On this episode of The Your Life! Your Terms! Show Risel shares why she quit her job, why she's building a real estate development in The Azores, a region of Portugal, how she got down to Brazil, what she's learned about herself and how she approaches life. We have had the opportunity to get to know Risel over the last several years and she's been an inspiration. Together with Ernest we know nothing can stop these two from anything they put their minds on. You can learn more about Risel by visiting RiselFurtado.com

You can now crowdfund your own real estate deals using the Addy platform. It's a complete game-changer. You can now allow your employees, contractors, tenants, or anyone else you want, to invest in your real estate projects and give them an opportunity to gain ownership of your project. Wait until you hear how people are using the Addy platform to raise capital creatively! Use the promo code YOURLIFEYOURTERMS to get your first year free on the addyOne Membership at https://addyinvest.ca./ And you can go to https://rockstarinnercircle.com/member/ to see all the benefits of joining the Rock Star Inner Circle.

This podcast episode is with Dan Thiessen, the owner of Radix Performance Centre gym in Oakville, and Tony Sozinho, a Radix gym member. Tony recently underwent a radical health & fitness transformation under Dan's coaching. He lost 45 lbs, cut his body fat percentage down by 20%, went from being able to do 0 pull-ups to doing 100 in a single workout, all in the span of only 8 months and at the age of 50 years old. He shares how he did it all in this episode. If you're looking for one on one real estate coaching and a positive community of real estate investors, like Tony had with his fitness coach and community at Radix gym, check out https://rockstarinnercircle.com/member/

Hart Togman is an interesting dude. He climbs mountains for charity, dreams of simpler living for society, and knows a ton about the Ontario rental market. He's the perfect guy to get insights from on a podcast all about living life on your terms. Tune in to hear how the rental market is faring, where he sees the opportunities for investing in Ontario, and for a great reminder on how to focus on what's important in life. Go to RockStarInnerCircle.com/getstarted to learn how to get connected with a community of like-minded people, and go to https://www.rentpanda.ca/ to check out Hart's company RentPanda.

On this episode of The Your Life! Your Terms! Show we catch up with Saifedean Ammous the author of one of our favourite books, The Bitcoin Standard. He has recently published his third book, The Principles of Economics. Saifedean has helped us understand money and the economy in a way that has forever altered our lives. Once you peek behind the curtain of the fiat system and understand how the economy works on a fiat standard you're left with a life-changing "ah ha". You can find Saifedean on Twitter @Saifedean and all his books on Amazon. We highly recommend the first 72 pages of The Bitcoin Standard as the best summary of the history of money that we've ever read.

John Zada is the author of the book, ‘Veils of Distortion: How the News Media Warps Our Minds’. He’s a lifelong journalist who’s worked as a news writer and producer at CBC News, and Al Jazeera and appeared in various publications such as the Globe & Mail, Toronto Star, The Guardian, National Geographic, the BBC, New York Post, and more. John explains how and why the news has become broken, by depicting our world through a tiny sample of dramatized events that are often far-removed from our experiences, thus warping our picture of reality. In this podcast, John walks us through how the newsroom works, to reveal these distorting 'veils’ and offers suggestions on how to mitigate the effects of this infotainment.

This podcast is with Steve Phillips, a Rock Star Team Member and investor who works and invests in the region East of Oshawa. Steve started his investment journey in the Durham region and has since moved East to Brighton, Quinte West, Belleville, Prince Edward County, and Kingston. He’s a wealth of information for investing in this region, and is our boots on the ground for investing East of Oshawa. And he’s got an awesome real estate story! Check out https://rockstarinnercircle.com/ to learn more about what we do! And check out Stephen’s instagram @stephenphillips.re

Samantha Gladish was the very first person we ever hired to help us at Rock Star. It was a scary moment for us and she probably wondered what she had gotten herself into. Since then she has gone on to do incredible things. She is the founder of HolisticWellness.ca, focused on helping you heal your hormones and your metabolism, she hosts The Wellness Witch podcast and now coaches entrepreneurs on how to build up their income and craft a business that serves their passion. It's been incredible to learn what she's accomplished and what she's doing now! You can find her business building programs at SamanthaGladish.com

Femi Joda was putting on an epic performance of fitness at Radix Gym in Oakville where we met. After getting to know his story we were awestruck. Here's a guy who has was climbing the corporate ladder only to quit and start from scratch with his own business. On this episode of The Your Life! Your Terms! Show we chat with Femi Joda about why he quit, how he got the idea for DodoFoods.ca and where he's at now. Before we quit our jobs we would have loved to hear from other local people doing the same. Here's to Femi living life on his terms. You can find his great plantains at DodoFoods.ca and he's on Instagram @DodoFoodsCA

Robin is an investor, physiotherapist, and financial educator. Robin runs a business where he trains healthcare workers in financial literacy and education. He wished someone would have taught him about these things when he became a physiotherapist, so now he's on a mission to help healthcare workers help themselves out for once! You can check out Robin's Instagram at @FinanciallyFulfilledPhysio and his website at https://www.financiallyfulfilledphysio.com. And you can register for the next upcoming free real estate investing training class hosted by Tom & Nick Karadza at https://rockstarinnercircle.com!

Frank Ungaro is co-host of the Ugly Pike Podcast, the founder of Ugly Pike Pilsner, a BJJ black belt, a real estate investor and an all around good guy. We absolutely love chatting with Frank and on this episode of The Your Life! Your Terms! Show we discuss some real estate decisions he needs to make, the state of the world, Bitcoin and more. You can learn more about everything he's up to by visiting TheUglyPike.ca or @UglyPike on Instagram

Anthony sat down with Tom & Nick on this episode to ask them the question on everyone's mind... Just WHEN are rates going to come down?! In classic Tom & Nick fashion, they explained the bigger picture that is influencing rates in the short-term AND long-term. And what the leading economic indicators are that you should be watching for rates to begin falling again. Understanding the bigger economic picture will give you the context you NEED to make investing decisions with confidence! If you want more economic & real estate market deep dives from Tom & Nick, join their weekly email newsletter update at this link where they share their thoughts on a weekly basis! https://rockstarinnercircle.com/weekly-newsletter/

These two gentlemen are remarkable. After a chance meeting at a Rock Star event, Anthony DeGazon & Mark Molder, discovered they shared a unique passion. They wanted to teach children the truth about money and get kids excited about financial literacy. On this episode of The Your Life! Your Terms! Show we go behind the scenes of how this came to be, how their first few courses have been received and what they're planning next. We wholeheartedly support these guys and are thrilled that they are living life on their terms with this mission. You can learn more at FinLiteracy.ca and you can find them on Instagram at @BTCforKids or on twitter at @MolderMark @DegazonAnthony

Keith Pinto is the Rock Star Marketing Manager and is a wealth of knowledge in marketing & technology. In this episode, he shares the jaw-dropping impact AI is already having on the world and where it's headed. It's scary stuff... but so is every new powerful technology. We all have the choice to either adopt this new technology and learn how to use it to our advantage, or ignore it and fall behind! Don't be left behind! If you want to learn more Rock Star marketing tips from Tom, Nick & Keith on a regular basis, you need to check out the Rock Star Inner Circle membership here at https://rockstarinnercircle.com/member/

MADEX is the Creative Director at Bull Bitcoin and creates wonderful pieces of physical art in the real world.  On this episode of The Your Life! Your Terms! Show MADEX shares his views on Canada, money and where we're all headed on a Bitcoin standard.  You can learn more about him on X.com @SPACEBULL or by visiting Madex.art

Robert Bradaric is back in-house to share what he's seeing on the streets in the world of commercial real estate. His father grew a great business with commercial real estate properties in the Burlington, Ontario area and now Robert has taken the reins to run the family business. On this episode of The Your Life! Your Terms! Show we chat about rent rates, vacancies, office trends, industrial usage types and more. Not only is Robert a great real estate resource, he's a great friend and amazing men's league goalie (Maulers forever!!). Enjoy the episode!

Never have we met someone who had a deeper understanding of how Facebook marketplace works, and how to fully optimize it for advertising rental properties. This was a masterclass on how to leverage the most powerful advertising platform to find remnants better, faster & cheaper. Buckle up for some serious pro tips on finding and screening tenants that are going to bring your investing skills to the next level!

This is a story of a family's journey from the Middle East to Toronto. The Kilani story will inspire you, motivate you and highlights all that is good in this world. On this episode of The Your Life! Your Terms! Show we discuss how and why we crossed paths with the Kilani family, how the father guided the entire family with his wise choices under times of great stress, how the mother guided the family to Toronto and how the siblings stuck together to build a wildly successful jewellery business with clients from the Raptors, Buffalo Bills, pro boxes and hip artists from around the world. You can learn more about them by visiting KilaniJewellery.com and on Instagram @KilaniJewellery