Tania Labonte is a licensed mortgage broker based in Burlington, Ontario, working with Designer Mortgages Inc. She has a wealth of experience in the industry, leveraging her background in accounting, which spans over 12 years, to offer clients comprehensive financial advice in mortgage lending, taxation, and general finance. As part of Verico Designer Mortgages, Tania works with a wide range of lenders, including major banks, credit unions, and private lenders, ensuring that she can match her clients with the best possible mortgage solutions tailored to their unique financial situations​.

Tania prides herself on her ability to assist both first-time home buyers and seasoned property investors. Her expertise spans across the A, B, and private lending sectors, offering clients flexibility and options that aren't typically available at traditional banks. She emphasizes the importance of understanding not just the rates but the features and flexibility of each mortgage product, helping clients navigate life changes and potential penalties if they need to break their mortgage early​.

Connect with our Hosts:

Adrian’sLinkedIn:https://ca.linkedin.com/in/adrianblake1Trevor’s LinkedIn:https://ca.linkedin.com/in/millerwealthmanagement

Connect with our guest:

https://www.mortgageweb.ca/Tania

Michelle’s LinkedIn:https://www.linkedin.com/in/michelle-broughton-stevens-b9753b61/?originalSubdomain=ca

Connect with Cherry Hill Private Wealth, a trade name of Harbourfront Wealth Management Inc.

https://www.cherryhillprivatewealth.ca/https://www.harbourfrontwealth.com

Timestamps:

00:00 - Introduction

00:35 - Impact of Declining Rates

02:06 - New Mortgage Rules Overview

03:34 - $1M to $1.5M Insured Mortgage Limit Increase

05:11 - Rising Home Prices Impact

07:07 - Self-Employed Buyers Entering the Market

09:11 - Renewing Mortgages and Refinancing Options

11:46 - Distressed Sellers and Market Opportunities

13:18 - Investor Activity with Rising Interest Rates

15:01 - Defaults and Mortgage Challenges

18:16 - Mortgage Penalties and Cost Analysis

21:02 - Rate Wars and Competition Among Lenders

24:14 - Importance of Flexibility in Mortgage Terms

26:08 - Bank Strategies and Rate Sharpening

30:11 - Timing Mortgage Moves and Rate Locking

33:07 - Predictions for Future Rate Cuts

36:24 - Current Opportunities in the Housing Market

39:13 - Closing Thoughts and Wrap-up

Let’s schedule a call to meet each other and see if we can help you achieve a financial roadmap that helps you create a financial plan that focuses on what, and whom, means the most to you. Book a consultation call here.

We'd love to hear from you.

In this episode of How Canada Works, we had the pleasure of speaking with Michelle, a registered dietitian from Ontario and assistant professor at the Northern Ontario School of Medicine. Michelle brought a wealth of knowledge on nutrition, with a focus on healthy aging, managing diabetes, and navigating the complex world of modern diets. We dove deep into topics like the use of Ozempic for weight loss, the potential downsides of fad diets, and the importance of keeping muscle mass as we get older. Michelle’s insights into how these trends can lead to problems like sarcopenia and nutrient deficiencies were eye-opening, and she provided practical tips on how to balance weight loss with long-term health.

One of the biggest takeaways from our conversation was the emphasis Michelle placed on the role of protein in maintaining health, particularly for older adults. She challenged a lot of misconceptions about diet trends and broke down how small changes, like getting enough protein at breakfast, can make a big impact. We also touched on how to eat well without breaking the bank, especially in today’s economy, and the importance of making every meal count. Michelle’s advice was practical and easy to apply, making this episode a must-listen for anyone looking to improve their health, especially as they get older.

Connect with our Hosts:

Adrian’s LinkedIn:

https://ca.linkedin.com/in/adrianblake1

Trevor’s LinkedIn:

https://ca.linkedin.com/in/millerwealthmanagement

Connect with our guest:

Michelle’s LinkedIn:

https://www.linkedin.com/in/michelle-broughton-stevens-b9753b61/?originalSubdomain=ca

Connect with Cherry Hill Private Wealth, a trade name of Harbourfront Wealth Management Inc.

https://www.cherryhillprivatewealth.ca/https://www.harbourfrontwealth.com

Timestamps:

00:00

02:00 – Michelle discusses her background as a registered dietitian and her work with clients, including her focus on healthy aging and muscle preservation.

05:25 – The conversation shifts to the role of protein in our diets, especially in maintaining muscle mass as we age.

10:09 – Michelle explains the importance of balancing weight loss with long-term health goals and highlights the dangers of focusing too much on BMI.

18:34 – Discussion on intermittent fasting and how it impacts muscle mass, hunger, and the body’s circadian rhythm.

28:00 – Michelle explains how weight loss strategies, including Ozempic, can impact quality of life, emphasizing the importance of meeting nutritional needs.

35:09 – Michelle shares how our nutritional needs change as we age and offers insights on making every meal count with nutrient-dense food.

37:00 – Discussion on the rising cost of food and how to eat healthily on a budget, including tips on using plant-based proteins.

Let’s schedule a call to meet each other and see if we can help you achieve a financial roadmap that helps you create a financial plan that focuses on what, and whom, means the most to you. Book a consultation call here.

We'd love to hear from you.

In this episode, we’re joined by Greg Taylor, Chief Investment Officer and Portfolio Manager at Purpose Investments. Greg shares his extensive knowledge on Bitcoin and cryptocurrencies, breaking down complex concepts into understandable insights. We dive into the fundamentals of Bitcoin, explore how Spot ETFs work and their benefits for investors, especially those nearing retirement, and discuss the importance of due diligence and regulatory oversight in the crypto space. Whether you’re considering adding Bitcoin to your retirement portfolio or simply want to understand the current landscape of cryptocurrencies, this episode provides essential information and guidance. Join us as we unravel the world of crypto with Greg's expert perspective.

Connect with our Hosts:

Adrian’s LinkedIn

Trevor’sLinkedIn

Connect with out guest:

https://www.linkedin.com/in/greg-taylor-79603b1b/?originalSubdomain=cahttps://www.purposeinvest.com/

Timestamps:

00:00:00 – Introduction to the Episode

00:01:20 – Introducing Greg: Cryptocurrency Expert

00:02:15 – Basic Explanation of Bitcoin

00:05:30 – Spot ETFs vs. Traditional ETFs

00:09:00 – Advantages of Spot ETFs for Investors Nearing Retirement

00:14:20 – Addressing Risks: Due Diligence and Regulatory Oversight

00:19:00 – How Spot ETFs Enhance Investment Safety

00:22:30 – Integrating Bitcoin into Retirement Planning

00:25:00 – Recommended Resources for Further Learning

00:26:15 – Closing Thoughts and Future Developments

00:27:24 – Discussion on the Current State of Bitcoin and Crypto

00:29:00 – Final Reflections on Cryptocurrency's Maturation

00:30:00 – Wrap-Up and ThanksWe'd love to hear from you.

Let’s schedule a call to meet each other and see if we can help you achieve a financial roadmap that helps you create a financial plan that focuses on what, and whom, means the most to you.

Book a consultation call here.