Keys and Capital

Want to know if the Smith Manoeuvre works for your numbers? Book a free call at www.chatwithjonah.com The basic Smith Manoeuvre works. But on its own it takes 15 to 20 years to fully convert your mortgage. In this video I show you how to compress that timeline dramatically, including one accelerator that can take a 25-year mortgage down to under 10. I also cover the part that almost nobody explain...

Want to know if the Smith Manoeuvre makes sense for your situation? Book a free call at www.chatwithjonah.com Two neighbors. Same street. Same income. Same house. Same mortgage paid off at the same time. At 65, one is sitting across from a bank rep talking about a reverse mortgage just to cover groceries. The other is sitting on an $840,000 investment portfolio. And the second neighbor never spent...

Erwin Szeto has been investing in real estate since 2005, transacted nearly $500 million worth of income properties as a realtor, and owned a personal stake in over 40 properties. And now he's telling his clients to stop adding to their real estate portfolios. In this episode of the Keys and Capital Show, Erwin breaks down exactly why his investment thesis has shifted, and what he's recommending i...

The conversation covers the introduction, flexibility, and origins of ManuLife One, as well as its role in wealth building, real-time benefits, and client experience. It delves into risk, responsibility, and the incorporation of mortgages into financial planning. The discussion also explores tax-deductible investments, creating a retirement portfolio, and interest costs in wealth creation. Additio...

The conversation covers a range of topics related to financial services, including investing, inflation, compound growth, and the importance of coverage and insurance. It provides valuable insights into understanding these concepts and their impact on financial planning and decision-making. Takeaways Investing for the future Understanding inflation and its impact Importance of financial planning C...

Zack Brittain built his Waterloo Region real estate portfolio from the ground up, starting with a live-in duplex and scaling all the way to a 34-unit apartment building. Jonah sits down with Zack to unpack his investment thesis, how he recycled capital through refinances instead of waiting to save, his take on property management, the evolution into running a construction company, and why simple b...

Mortgage arrears are climbing in Canada. Toronto homeowners missing payments have quadrupled in three years. Power-of-sale listings are rising across Ontario. And millions of Canadians are renewing their mortgages at significantly higher rates. So what’s really happening? In this episode, I break down the actual data behind the headlines and explain where mortgage stress is building, why Toronto a...

Toronto’s condo market just hit its lowest sales levels in decades, and headlines are everywhere claiming the Bank of Canada compared the market to a Ponzi structure. But what did they actually mean? In this episode, I break down what’s really happening in the Toronto condo market using real data, not headlines. We’ll walk through why condo sales have collapsed, why developers are cancelling proje...