The Green Effect Podcast

The Green Effect Podcast is LIVE!   Season 3 - Episode 30   Special Guest - Brittany Dewing - Financial Broker and Coach! - @brittdewing_   Impact of the current market on people | Recruiting and leadership within a team | Insurance - why? | Entrepreneurship and finding a diamond in a pile of s#!+ | Investment vehicles and importance of planning.   I promised it and here we are, our first guest of...

The Green Effect Podcast is LIVE!   Season 3 - Episode 29   Mo Video, Mo Fun! | Feds get together for a slumber party in PEI | International Students - More or less? | Bank Quarterly Earnings - Good and bad | Current state of the market and rates   Still doing video…too much to stop! Feds have a sleep over in PEI…lots accomplished…lol…"lots".   Are International Students our next target? Bank quar...

The Green Effect Podcast is LIVE!   Season 3 - Episode 28   Back to VIDEO! | Post Mortem on Inflation Increase | House Debacle | Where Does This End?   We are BACK on video!   Thank to advice from a friend, The Green Effect Podcast is back with video as well.   Check it out on our Youtube Channel: https://www.youtube.com/@sgmortgageadvice .   Inflation went up…no kidding.   How did this happen?  ...

The Green Effect Podcast is LIVE!   Season 3 - Episode 27   New Housing and Immigration Ministers and why nothing will change | Next BOC Prediction | Why house prices will not crash | OSFI Changes to your HELOC   We have a new Immigration and Housing Minister…same story, different minister.   What's my prediction for the next Bank of Canada rate announcement?   My best guess as to why housing pric...

Season 3 - Episode 26   This Week in the Canadian Circus | Disney+ Lady dodges the shuffle and then says nothing of value | Three guys named Inflation, Prime Rate, and Bond Price walk into a bar…   The Canadian Circus is in full swing! We talk about Chrystia Freeland and how she dodged the cabinet shuffle and went on to piss off the Maritimes again, this time, PEI.   How has the increase by The B....

The Green Effect Podcast is LIVE!   Season 3 - Episode 25   Back after Vaca! | The B.O.C. rate increase…now what? | Federal Government Cluelessness | Jobs report - More and less.     After another week off, let's get rolling!   The B.O.C. with Tiffyboy and Company jacks up rates by 0.25%.   It's only 0.25% so what's everyone pissy about?   It's ONLY 0.25%.   Now that everyone is upset, we need to...

Season 3 - Episode 24   My past week | JT taking some shots! | Unemployment Numbers out - Good News/Bad News | Bank of Canada Prediction | Thread me baby!   After a week off, let's get rolling!   JT is taking a beating in the media.   Yikes…but oh well! Canadian unemployment numbers are out…definite bad news/good news situation there. Bank of Canada Prediction.   Here's a hint: "only one way to go...

Season 3 - Episode 23   Update on my week and week ahead | OSFI - DSB Increase and CIBC Remediation | Commentary on Canadians and Spending   Quick update on my past week and how busy it has been and this coming week will not be any better.  OSFI has been VERY BUSY! Increase to the Domestic Stability Buffer (DSB) for banks…what does this mean? OSFI has also been dealing with remediation measure aga...

Season 3 - Episode 22   Father's Day Edition! | Debt to Income Chatter…Up, Up, Up! | OSFI, late to the party AGAIN!   Happy Father's Day, Step Father's Day, Grandfather's Day…enjoy, be spoiled and do NOT forget to cut the grass! Let's talk Debt to Income Ratios…1.85 is the number we need to discuss and how we got here.  OSFI…late to the party to shake their finger at the banks to not help Canadian...

Season 3 - Episode 21   SPECIAL EDITION | Current State of Tiffyboy vs. JT vs. Planet Earth - What.  Is.  Going.  On? | Halifax Wild Fires and family update.   SPECIAL EDITION! We talk about what is going on right now in the economy with Tiffyboy, JT, Disney+ Lady.  What COULD happen.  Why was The BOC surprised and why The Feds are making things WORSE.  Finally, my amazing excuse for not recording...

Season 3 - Episode 20   Tiffyboy and his sidekick release their 2023 Financial System Review.  The GEP Breakdown!   This episode is a breakdown of what was shared and some forward guidance on interest rates, the economy, the stability of the banks, and just my take on Tiffyboy's comments.  Want to know where the ship is sailing, listen to this episode!   Instagram, YouTube, Facebook, TikTok: steph...

Season 3 - Episode 19   Missing for Two Weeks - Why? | Two VERY different types of First Time Home Buyers we are seeing - What are those types? | Rent To Owns (RTOs) - What makes them a good or bad option.   Two weeks Missing In Action……sooooo sorry!  But, I explain why in this episode.  What we are seeing in the market and the two DISTINCT types of First Time Home Buyers that looking to get pre-a...

Season 3 - Episode 18   Government Worker Strike - Historic! |Housing market and where things are - Tiffyboy and JT in a hot tub? | Going Firm on Offers - No Conditions - Let's TALK!   Another "roll out of bed" episode.   Top of the show, the Federal Public Service strike, this is pretty epic and will impact our workplaces permanently…kind of historic.   We talk about both sides of the equation.  ...

Season 3 - Episode 17   Being Busy - Stop the Charade! | Tiffyboy and BOC Commentary | Little Fire Thing in Vaughan Ontario | Hard Credit Bureau Pulls and Mortgage Pre-Approvals - Myth Busting   One week off…Easter and increased volumes got me!   But, back and ready.   First topic, our "busy" market…what does "busy" mean?   Next, Tiffyboy and the ever-important BOC commentary from their April Rate...

Season 3 - Episode 16   Registering Website Domains | First Home Savings Account - All the details! | Changes to Non-Residents Buyer's Ban | Where are mortgage/real estate volumes?   Let's talk about how to grow your business with custom domains…or just collect cool domains for fun.   First Home Savings Account (FHSA), what this is and what's the difference between RSP and TFSA for a First Time Ho...

The Green Effect Podcast is LIVE!   Season 3 - Episode 15   Buyers are BACK BABY! | Rental Housing Shortage Epidemic | Rate Advice   Buyers are BACK..."Back in the saddle again…" Let's talk about what we are seeing with volumes. Scaring and exciting report about the HUGE shortage of rental housing by 2026.   Finally, I explain the rate advice I give to people…it's a moving target so how do I help...

Season 3 - Episode 14   CRAZY SEVEN DAYS! Tiffyboy and BOC | Galen and Friends in Ottawa | Silicon Valley Bank and Canadian Impact   This was an INSANE last seven days!   No shortage of crazy sprinkled with excitement.   Bank of Canada, love 'em or hate 'em, they followed through on their promise to not increase rates. Galen and his BFF's were called in front of a Standing Committee to explain why...

Rate Predictions - Banks Quarterly Meetings - Tiffyboy Called Before Standing Committee   Rates - where are they going now…the moving target is, well, moving!   Banks have their quarterly earnings meetings…didn't go so well (especially if you have RBC stock).   Bank of Canada called in front of Standing Committee on Finance…great entertainment!   Link to the Report of the Bank of Canada on Monetar...

Season 3 - Episode 11   Canadian Housing - Choose Your Own Adventure | Fair Square GONE! | My New Mortgage Agent World   Hope, hope, and more hope.   Just need hope!   Let's start with the biggest news around the "Choose Your Own Adventure" that is the Canadian Housing Market…Months of Inventory, Timing to Buy, rates, etc.   FairSquare formally known as Purple Bricks is GONE…using a real estate pr...

Season 3 - Episode 10   So some big news out of my camp.  I've left RBC and I've moved into the world of mortgage brokering.  25 year banker goes rouge!  More than a quick 90 second TikTok, I talk about the WHY behind my decision.  You get a bit of a glimpse into my thinking, where I think the mortgage world is going, and how a great leader leads.   Visit our website: www.thefinancialcollective.ca...

Season 3 - Episode 9   First episode of 2023! Episode 9, Season 3.  British Columbia introduces three day cooling off period, what does this mean for BC real estate? Ontario to see property tax increases due to new law Dougie introduced around adding more units without permits being required? What is going on in London Ontario with rents????? We talk about rent increases across the country.  Final...

Season 3 - Episode 8   Stupid Things People (BOC, Tiffy Boy, OSFI, Disney+ Lady) Do - Christmas Edition!   In the final episode of 2022, episode 8, Season 3, we are sticking with a theme of Stupid Things People Do.  DSB fallout.  Need to know what the DSB is?  Listen to episode 7! OSFI stands pat on the "Stress Me Out" Test.  What does this mean and what could possibly go wrong? What happens when...

Season 3 - Episode 7   My "Buffet of S#!+" episode.  All the stupid s#!+ that happened over the past week…no shortage of material!   In the seventh episode of Season 3, I talk about the crazy siutation the Bank of Canada and my BFF Tiffyboy is in…needs to pick the housing market or the Canadian dollar…he'll screw this up too.  OSFI moves the Domestic Stability Buffer…what is it, why you need to ca...

In the sixth episode of Season 3, I do a "Bank of Canada Quickie".  Anyone been to a mall lately?  Folks, there is a recession coming…slow down your shopping!  Lots-o-renters.  We talk about the age category and what's causing this.  December 15th is kind of an important date.  At a local Ottawa Tim Horton's, there will be a meeting talking about the Timbits…errrr…stress test and what they are goi...

History MADE!  First Explicit-marked episode.  Bank of Canada Needs Money! Game-Changing Condo Law in BC.   In the fifth episode of Season 3, I make history with our FIRST episode I had to make EXCPLICIT.  I was forced into this…was talking about the Bank of Canada.  Oh, on that note, Bank of Canada is loosing money and needs your help.  Yep, you heard that right.  They are loosing money and I exp...