On today’s episode, Darren and Christina discuss critical illness insurance and the benefits that come along with it. They dive deep into what illnesses are covered, additional benefits, as well as how these policies are set up. Tune in now! Show notes: 00:00 - Introduction 1:05 - What is critical illness insurance? 5:15 - What illnesses are covered? 12:28 - What other benefits are provided? 13:20 - The living care benefit 16:10 - What is a rider and how are they involved? 21:30 - How are these policies set up? 25:05 - Types of ownership for the policy 30:40 - Is critical illness insurance for me? TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren welcomes private lending expert, Kyle Ford from Kyle Ford Mortgages, to the show. You don’t want to miss this one, Darren and Kyle go through everything you need to know about private lending including what a typical transaction looks like, why people choose the route of private lending instead of typical financing, costs and fees involved, as well as many other key points. Tune in now! Show notes: 00:00 - Introduction 1:30 - Introduction to Kyle Ford 5:50 - Why do successful investors choose private lending over normal financing/loan? 9:15 - Who are the lenders typically? 12:25 - What does a private lending transaction look like? 20:30 - Typical appraisal costs and lawyer fees for borrower and lender? 22:40 - What does a typical deal look like at $100,000-$300,000 loan? 33:05 - Has Kyle had a situation where the borrower didn’t pay or cannot pay their loan? 37:30 - If I want to loan money from my RRSP or TFSA, what does that process look like? 42:55 - What are the things Kyle is most excited about right now? Intro to CapGap Mortgage Trust 45:55 - What type of lending will CapGap be doing? TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound FIND KYLE ON: WEBSITE: https://www.kylefordmortgages.com/  

On today’s episode, Darren and Christina break down what it looks like if you use cash inside your corporation to fund an infinite banking policy. You’re not going to want to miss this episode as they go over the tax implications, OpCo vs. HoldCo, and what you can use the cash for in a policy. Tune in now! Show notes: 00:00 - Introduction 1:20 - CCPC (Canadian controlled private corporations) tax implications 7:55 - Using corporate dollars for infinite banking 13:35 - OpCo vs. HoldCo 17:20 - Can I put a policy on my kids/spouse within my corporation? 20:00 - Surviving shareholders 23:50 - What else can you use the money in your corporate policy for? TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina discuss the recent banking collapse scare with Silicon Valley Bank leading the way. They also get into what this could mean for the insurance companies that they use for infinite banking participating whole life policies. Don’t worry, it’s good news for infinite banking even though it might be bad news for the banks! Show notes: 00:00 - Introduction 1:25 - Life insurance contracts for infinite banking policy: are they at risk? 8:20 - Levels of protection with the insurance companies we work with 14:45 - Oversight, reserves, and regulations of the insurance industry in Canada TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s April update episode, Darren and Christina do an analysis of the 2023 Canadian federal budget including increases on tax rate, 1.18 trillion dollars in federal debt, but no changes to life insurance! They also chat about the updates to RESP as well as how the insurance companies that are compatible with infinite banking fared this past year in terms of revenue. Tune in now! Show notes: 00:00 - Introduction 1:00 - Thank you to our listeners/viewers! 2:05 - Budget Analysis 5:00 - Government’s solution for housing crisis 8:35 - RESP Updates 11:55 - Alcohol tax increase gets lowered…Canadians let out sigh of relief 13:05 - Insurance companies update 14:05 - Inflation and interest rates update 16:30 - C&C episode update TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina are breaking down the Canada Pension Plan and Old Age Security. They go over the ins and outs of each fund and most importantly, let you in on a few dirty little secrets of the CPP. Tune in now! Show notes: 00:00 - Introduction 1:55 - What can you get from CPP and OAS? 4:00 - Breaking down OAS (old age security) 11:15 - Breaking down Canada pension (cpp) 16:35 - Why is age 65 the most common age to take CPP? 22:05 - The dirty little secrets of CPP TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina break down the differences between universal life policies and participating whole life policies including the fees associated, tax differences, the volatility difference, and which one you should be using for an infinite banking policy. Tune in now! Show notes: 00:00 - Introduction 3:05 - What is a Universal Life Policy 6:25 - Fees associated with Universal Life 10:30 - Volatility of a Universal Life Policy 13:40 - How many can you access from each policy? 17:15 - What are the tax advantages of each policy? 22:15 - Why is there confusion between the two policies? 24:15 - YRT vs. Level 29:50 - Summary of the policies TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today's episode, Darren welcomes Cherry Chan to the podcast! Cherry is a CPA and probably the most recognized real estate investing accountant in Canada and Darren and Cherry chat about how real estate investors can avoid paying unnecessary taxes when doing business. Tune in to this one, you don't wanna miss it! Show notes: 00:00 - Introduction to Cherry Chan 6:20 -  What taxes do you need to be aware of as a real estate investor 15:55 - Should you incorporate for tax purposes? 21:35 - New flipping rules 28:35 - PREC (Personal Real Estate Corporation) vs. small business 32:50 - How difficult is it to invest in USA 38:00 - Tax implications for Airbnbs 42:55 - Common tax questions TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound FIND CHERRY CHAN ON: INSTAGRAM: https://www.instagram.com/realestatetaxtips/?hl=en YOUTUBE: https://www.youtube.com/@RealEstateTaxTips WEBSITE: https://realestatetaxtips.ca/

On today’s episode, Darren and Christina dive deep into the world of joint venture deals and dissect what it takes to form a strong partnership to secure a successful joint venture. Darren also talks about the current joint venture deal he has going on in his portfolio. Tune in now! Show notes: 00:00 - Introduction 00:45 - What’s a joint venture deal? 2:25 - How do I find a joint venture deal? 3:45 - Finding the right partner 10:20 - Contingency plans and setting up the joint venture partnership 13:15 - Example of a joint venture deal 16:15 - Using infinite banking in a joint venture deal 22:45 - Darren’s joint venture deal TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s March Update episode, Darren and Christina chat about a potential recession coming, an update on the stock market and real estate market and they also have some great news in the insurance industry! Tune in now! Show notes: 00:00 - Introduction 00:30 - Is a recession coming? 2:55 - Interest rates announcement on March 8, will there be a hike? 4:05 - Stock market update 6:50 - Real estate market update 8:25 - Control and Compound news - New Real Estate Webinar 11:00 - Insurance Industry Update 14:00 - Podcast episodes you may have missed 15:00 - Upcoming podcast episodes TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

If you have children, you need to check this episode out! Darren and Christina break down the difference between using an RESP (registered education saving plan) and an infinite banking policy on a child. The results are incredibly impactful and if you were thinking an RESP is the right choice before this episode, your mind may very well be changed by the end of it! Tune in now. Show notes: 00:00 - Introduction 1:50 - What can you use an RESP for? 5:05 - How does an RESP work? 8:05 - What happens ifyour child (the beneficiary) doesn’t attend a higher education institution? 13:50 - Risk/tolerance of putting RESP in stock market 18:15 - Example of an RESP policy in action 20:15 - Infinite banking policy on child in action 29:40 - What an infinite banking child policy can do in comparison to an RESP TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren sits down with Josh Findlay and Ehren Laycock of the Findlay Mortgage Team to discuss all things mortgages including where to look for a mortgage, the most common types of mortgages, the key differences between A and B lenders, as well as some other unique products that investors are using these days. Tune in now! Show notes: 00:00 - Introduction 1:18 - Intro to Josh and Ehren from Findlay Mortgage 4:50 - Where should I look for a mortgage? 8:10 - Most common mortgage for a buy and hold? 11:15 - A vs. B lenders; Key differences between them and what they’ll give you 14:00 - What kind of interest rates; A side vs B side lending 21:00 - Options besides A and B 25:45 - When would you use a mortgage investment company? 31:00 - Are lenders more hesitant in a small town vs. big city? 39:35 - Any other unique products that investors are using? 42:05 - How to get in touch with Findlay Mortgage TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound FIND FINDLAY MORTGAGE ON: WEBSITE: https://www.findlaymortgage.com/ INSTAGRAM: https://www.instagram.com/thefindlayteam/?hl=en YOUTUBE: https://www.youtube.com/channel/UCHyUMXqdg7zMJgjmFJpUfqg/videos

On today’s episode, Darren and Christina break down all of the types of insurance that you can purchase, which ones are the most important, which ones are maybe not exactly necessary, and everything in between! Tune in now. Show notes: 00:00 - Introduction 1:25 - What is your greatest asset? 2:05 - Breaking down critical illness insurance 8:40 - Disability insurance and why it differs from critical illness insurance 10:00 - Personal vs. group disability insurance 15:20 - Breaking down accidental death and dismemberment insurance 19:25 - Breaking down long term care insurance 22:35 - What are health care spending accounts 26:40 - Breaking down health and dental insurance 31:50 - Breaking down home and auto insurance 35:35 - Christina’s favourite! Pet insurance TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina break down how to flip a house properly including how to find the best deal, understanding ARV, doing the most efficient renovations, and most importantly, how the infinite banking strategy completely enhances the process of successfully flipping a property. Tune in now! Show notes: 00:00 - Introduction 3:24 - Finding the best deal 6:30 - Understanding ARV - After Repair Value 10:00 - Finding the money to take on the flip 10:55 - Renovations 12:30 - Selling the property 14:00 - How does infinite banking enhance flipping 19:10 - The ideal property to buy TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

Welcome to February everyone! Darren and Christina go through a few updates including the recent interest rate hike and speculation on where rates will go for the rest of the year, a potential bounce back in the stock market, mortgage rates and GIC updates, a pricing outlook for housing in 2023 and finish with some updates within Control and Compound Financial and a question from our listeners! #infinitebanking #stockmarket #realestateinvesting Show notes: 00:00 - Introduction 1:00 - Interest Rates Update 3:20 - Stock market update - bounce back? 4:55 - Mortgage rates update 5:20 - GIC update 6:25 - Housing price outlook - 6% drop 8:05 - Control and Compound updates 9:55 - Questions from listeners 15:25 - Podcast episodes released in January TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina break down all the components of life insurance including what kinds are available, what the best options are, and how and which policy you should be using when it comes to the infinite banking strategy. You don’t want to miss this episode! Show notes: 00:00 - Introduction 1:08 - How many types of life insurance are there? 2:00 - Breaking down term 10 insurance 6:40 - Options at the end of a term 10 policy 13:00 - Breaking down term 20 insurance 20:55 - Breaking own universal life insurance 32:20 - Participating vs. non-participating whole life policies TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina had the pleasure of welcoming Neal Andreino and Chandler Haliburton, hosts of the Master Keys podcast, to the show. Master Keys is the #1 real estate investing podcast in Atlantic Canada and Neal and Chandler have their fingers on the pulse of all things real estate investing and development in Halifax and the surrounding areas. The four chat about many different topics including Neal and Chandler’s current portfolios, whether or not the BRRRR model can still be effective in today’s market, their thoughts on the 2% rent cap, backyard suites and bungalows, and their future outlook on the East Coast market. Show notes: 00:00 - Introduction 1:50 - How Neal and Chandler got into real estate 5:45 - Neal and Chandler’s first purchase in the real estate world 14:30 - How Neal and Chandler grew their portfolios 19:55 - Is the BRRRR model still effective in Halifax…Canada? 22:50 - Breakdown of the Halifax market: past, present, and future 29:38 - Chandler’s current land development 40:45 - How tough is it to get tradespeople in Halifax 43:40 - Cost of goods for construction 47:00 - Thoughts on the 2% rent cap 51:00 - Predictions on if the 2% rent cap will stick around 55:55 - Backyard bungalows and suites 1:03:10 - Application to get permits to build outside HRM TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound FIND MASTER KEYS ON: INSTAGRAM - https://www.instagram.com/masterkeyspodcast/?hl=en TIKTOK - https://www.tiktok.com/@masterkeyspodcast? FACEBOOK - https://www.facebook.com/Master-Keys-Podcast-110495988057336/ YOUTUBE - https://www.youtube.com/channel/UCbwGbXm4rUWTZ-_6TOkuHfg?app=desktop

On today’s episode, Darren and Christina break down how pre-construction projects work, a step by step process of what you need to do and they finish the episode off with how infinite banking can be used to enhance these types of projects. Tune in now! Show notes: 00:00 - Introduction 1:15 - Hands-on vs. hands-off investing 2:45 - What is pre-construction? 4:00 - Example of pre-construction project 8:45 - Breaking down the steps you need to take for pre-construction project 15:45 - Picking the right builder for the project 20:00 - The 3 clauses you need to know about 26:55 - How infinite banking makes a pre-construction project better TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina go over the SMART goals strategy, how to get organized for the year, making sure you set BIG goals, and finish the episode with how Control and Compound specifically sets and attains their goals. Show notes: 00:00 - Introduction 1:05 - SMART goals method 2:15 - Specific goal 4:00 - Measurable goal 6:05 - Attainable goal 7:10 - Relevant goal 8:00 - Timeline for goals 10:00 - Big hairy audacious goals 14:30 - How Control and Compound sets and reaches goals TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

In the first episode of a series breaking down Darren’s book “Infinite Banking for Real Estate Investors”, Darren and Christina chat all things private lending and how you as an investor can use other people’s money to take advantage of opportunities in the market. This strategy is what some of the most savvy investors use and after listening to this episode, you too can use it effectively. The episode concludes with Darren and Christina explaining how using infinite banking concept with private lending can be a true game changer. Tune in now! Show notes: 00:00 - Introduction 2:00 - Why do private lenders loan money? 4:00 - What does a typical loan look like? 6:10 - What does it mean to be in first position? 14:25 - Where do you find private money? 19:10 - Costs associated with borrowing private money 21:05 - Incorporating infinite banking with private lending 27:10 - What other podcast episodes will help me with this? 29:50 - Wrapping up TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

Happy New Year folks! It’s the first Control and Compound update episode of 2023, Darren and Christina look back on a great 2022 and then forecast the upcoming year and what we should expect to see with interest rates, the stock market, housing market, and of course the insurance industry at large. The team at Control and Compound is pumped for a huge year and we have some great podcasts coming out soon so be sure to check back soon! Show notes: 00:00 - Introduction 00:55 - Interest Rates for 2023 5:30 - Stock markets in 2023 6:24 - Housing market in 2023 9:45 - Industry news 12:25 - Control and Compound updates 16:30 - Podcast updates TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

Merry Christmas Everyone! On this episode, Darren and Christina break down the steps you’ll need to take so you can get approved for an infinite banking policy and start taking control of your money now! Tune in and let’s get started. Show notes: 00:00 - Introduction 1:18 - Finding out if infinite banking is for you 2:20 - Life insurance application break down 9:40 - Steps you need to take if you have a potential health issue 13:25 - Finalizing the policy and making it active 15:50 - Other options if someone gets rated and loses coverage TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

In this episode, Darren and Christina break down how the modern day bank makes money using your money. It’s quite the business model and the best part is, Darren and Christina tell you, the listener, how you can use the same strategies and be your OWN bank! Tune in now, you don’t want to miss this one. Show notes: 00:00 - Introduction 00:45 - Origins of modern day bank 3:30 - The 3 wants that banks have 8:32 - How do banks make their money? 12:15 - How to be your OWN bank TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On this weeks’ episode, Darren and Christina are back with part 2 of answering your most frequently asked questions! We have compiled questions 11-20 from Instagram, TikTok, and YouTube and address them all. Enjoy! Show notes: 00:00 - Introduction 00:53 - How come everyone isn’t getting an infinite banking policy? Shouldn’t it be more popular? 2:25 - How many infinite banking policies can I own? 4:00 - How do I take out a loan on my infinite banking policy? 5:20 - Are infinite banking policy loans taxable? 6:55 - What are the interest rates on these loans and are they fixed? 9:05 - Do loans affect growth of cash value inside policy? 10:00 - Can I use the infinite banking policy to pay off my mortgage? 12:47 - Does it make sense to make deposits with funds from an RRSP? 15:30 - Can I set up an infinite banking policy inside my corporation? 17:18 - Can I use an infinite banking policy as an asset class? TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren sits down with Alfonso Cuadra, the Godfather of Real Estate to discuss his journey into the multi unit and multi family business with properties in Canada and the United States. Alfonso talks about his background, how he survived two wars before coming to Canada as a refugee and starting his entrepreneurial journey into real estate. Alfonso also chats about why he thinks real estate is one of the best wealth building assets, what you should look for when hiring team members, as well as the key fundamentals and what to look for when purchasing new properties. Tune in now! Show notes: 00:00 - Introduction to Alfonso Cuadra 9:45 - Why is real estate one of the best wealth building assets? 15:10 - How did Alfonso scale his business? 20:35 - How have the high interest rates affected Alfonso’s business 23:30 - What qualities should you look for when hiring members for your team 26:00 - What are some of the key fundamentals you look for when purchasing multi-family properties? 31:10 - New build vs. old build 33:55 - What keeps Alfonso motivated? 40:15 - What is wealthgenius.ai and how is it helping others learn how to create their own wealth? 44:20 - The Cuadra Youth Foundation 49:25 - Alfonso’s advice for people wanting to get into the real estate business TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound FIND ALFONSO ON: INSTAGRAM: https://www.instagram.com/alfonsocuadra/?hl=en YOUTUBE: https://www.youtube.com/@alfonso2k8 WEBSITE: http://alfonsocuadra.ca/

On today’s December update episode, Darren and Christina chat about the current state of the stock market, a big announcement from Bank of Canada on the 8th, the FTX scandal and the current fallout, as well as a new real estate app for Ontario and client portal reviews for Manulife and Equitable. Tune in now! Show notes: 00:00 - Introduction 00:35 - Stock market update 1:20 - Bank of Canada announcement on December 8th 2:05 - FTX scandal | What does this mean for Bitcoin? 5:10  - Current state of Canadian dollar 7:35 - Real estate update 9:00 - New real estate app for Ontario 11:15 - Manulife and Equitable client portal review 15:00 - Control and Compound Financial update 16:40 - Podcast episodes you missed out on TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On this episode, Darren and Christina take a deep dive into what it means to compound your money and why it’s so important to understand the concept. Darren uses the ‘Double The Penny’ example to show how impactful compounding your money can be even if you start with a small amount of cash. The two then break down how compounding your money is affected by the 3 wealth destroyers. It will surprise you to see how much money you miss out on when these wealth destroyers are in play. Tune in now and find out what you can do to maximize the money you have. Show notes: 00:00 - Introduction 1:00 - Double the penny exercise 5:20 - How the wealth destroyers greatly impact compounding interest TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina sit down with Jesse Berger to do a deep dive on bitcoin and the cryptocurrency market as a whole. Jesse is the other of Magic Internet Money: A Book About Bitcoin, and the title really says it all. If you’ve been trying to learn more about bitcoin and whether or not it’s the right investment/currency for you, check out this episode and of course check out Jesse’s book. Once you see the light, there’s no turning back! Show notes: 00:00 - Introduction 1:35 - Jesse’s background and how he became a bitcoin specialist 5:35 - What is money? 7:40 - What is bitcoin? 9:40 - What makes bitcoin better than other cryptocurrencies? 14:55 - How does bitcoin mining work? 18:20 - Is bitcoin mining energy inefficient? 22:20 - What will miners do after all bitcoin is mined? 23:10 - Who should acquire bitcoin and why? 26:15 - Long term worries on bitcoin taxation in Canada 30:20 - How does bitcoin transfer at death work (estate planning)? 34:30 - Do you pay capital gains tax on bitcoin transfer at death? 38:20 - What does Jesse say to the naysayers of bitcoin 42:00 - Where does Jesse see bitcoin going over the next 15-20 years 47:25 - How do I get my start in bitcoin? TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On this week's episode, Darren and Christina are answering your most frequently asked questions! We have compiled the top ten questions from Instagram, TikTok, and YouTube and address them all. Enjoy! Show notes: 00:00 - Introduction 00:57 - What is infinite banking? 2:05 - How do I create an infinite banking policy? 3:25 - What kind of life insurance do I use for an infinite banking policy? 4:05 - How does the cash value policy grow? 5:30 - Should I build my policy for future deposits? 7:45 - What if I don’t need life insurance? 10:40 - What if I'm uninsurable? 12:30 - Is infinite banking only for wealthy people? 14:20 - What’s the minimum amount of money I need for a policy? 15:50 - Is infinite banking a scam? TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina break down inflation and how we’ve found ourselves in this position with inflation still on the rise. The two also chat about stagflation, how you can measure your real inflation and what we can do to fight back against it. Show notes: 00:00 - Introduction 00:45 - What is inflation and why are we here? 4:10 - Are we experiencing inflation or stagflation? 5:25 - Real Inflation vs. fake inflation 9:30 - Measuring your real inflation 12:45 - How has inflation affected the real estate industry? 14:20 - What is lifestyle inflation? 20:50 - Is inflation going to go down soon? 23:55 - How can we fight back against inflation? TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On this month’s C&C update, Darren and Christina cover the recent interest rate hike, the struggling Canadian Dollar, the current outlook of the real estate market, as well as some exciting news for upcoming episodes! Show Notes: 00:00 - Introduction 00:30 - Interest rates up by 50 basis points 1:30 - Inflation is down slightly 2:30 - The Canadian Dollar is down 3:55 - Volatility in the stock market 4:50 - Bitcoin still down 5:20 - Real estate market update 7:45 - C&C podcast update 8:50 - C&C Contest TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina are debunking all the RRSP myths that you’ve been told over the years including how a lot of people think they’re getting a tax deduction when they put money into an RRSP, but in reality they are tax deferrals, not deductions.  At retirement, there’s two things you can do with your money, spend it or give it away. Do your spending plan and estate plan NOW. Don’t wait until retirement. You simply can’t leave your money in an RRSP if you want to be able to take advantage of the deal of a lifetime Show Notes: 00:00 - Introduction 1:05 - Busting the TAX myth 3:40 - Busting the myth that the whole strategy is you’ll be in a lower tax bracket when you take it out 6:10 - Taking money out of the RRSP and what that looks like when you want to start spending 12:20 - You’ve named your kids as beneficiaries so the payout will go straight to them, not true! You will still pay the taxes out on those payments 16:20 - Not having control of your money outside of RRSP, you don’t have access to it until you retire TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On this week’s episode, Darren and Christina break down the advantages business owners have when incorporating the use of the health care spending account. Unlike group insurance, this type of account has many different benefits and the two go through the different ways you can take advantage if you’re a business owner. 00:00 - Introduction 00:17 - How do we fit health care spending account in overall plan 4:25 - Is it possible for employees to set up their own plan | Breaking down insurance by class 7:05 - Advantages of the Health care spending account vs. Group Insurance 13:10 - The right type of company you need to be to take advantage of this type of account 16:35 - Additional benefits from the account 19:10 - Private medical benefits 20:50 - Being as efficient as possible | Wrap up TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

We’ve talked a lot about what the infinite banking strategy can do for you when you’re taking advantage of opportunities before retirement but on today’s episode, Darren and Christina are breaking down a strategy that comes into play in retirement: the death benefit. Rarely a main focus, the death benefit will give you a permission slip to spend your own money in retirement. Darren and Christina use an example of two brothers who both have $1,000,000 saved for retirement where one has an expired term insurance policy and the other has a death benefit. You’ll be amazed at the difference a death benefit can provide! Tune in now to find out. 00:00 - Introduction 2:20 - Breakdown of retirement spending, one brother with expired term insurance and the other with $1,000,000 death benefit at 35% tax rate 7:15 -  Same example at tax rate of 50% 9:55 - Same example but if interest earned drops 2% 13:48 - Wrap up TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina debunk the infamous Dave Ramsey video on YouTube where he tells a caller on his show why infinite banking is a scam and why this caller should stay away from this type of policy. Point by point, Darren and Christina dissect where Dave goes wrong in his video and although he is coming from a perspective of being in the United States, as opposed to Canada, much of what he’s staying/misleading still applies in Canada. Tune in now and find out why Dave is wrong! Show notes: 00:00 - Introduction 2:16 - A caller on Dave Ramsey’s show asks Dave about Infinite Banking 4:52 - Dave tries to tell the caller that he’s being overcharged by the policy 12:05 - Dave thinks infinite banking is “old school whole life” done poorly and thinks they pay out nothing at death 20:20 - Dave thinks the dividend payment is the “refund of a deliberate overcharge” 23:53 - Dave thinks that since these policies cost more than others, it’s a ripoff/scam 27:11 - Dave says the only reason these policies exist is for the commission the agent makes selling it TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina show you how you can double your retirement income and at the same time reduce your retirement risk! Believe it or not, there’s a way you can do this and if you’re wondering why you’ve never heard of this concept before, it’s because the banks don’t want you to know! Darren and Christina break down what a hypothetical retirement savings plan with look like if it is subject to the volatility of the market and then show you the MASSIVE change in the outcome if you add an uncorrelated asset to the equation. This is incredible stuff and if you’re interested in learning more, visit our website and speak to a wealth coach now! Show notes: 00:00 - Introduction 1:32 - Volatility in the market 5:10 - Breaking down retirement projections based on Stock Market/S&P 500 10:45 - Using an uncorrelated asset 14:30 - Benefits of infinite banking used to increase retirement savings TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina are coming at you with the October Update and go over a few topics including a quick look at the Stock Market and if Canada is headed to a bear market, another interest rate hike, Bitcoin continues to suffer, housing prices are down across Canada and finally, Control and Compound welcomes Jill to the team! Show notes: 00:00 - Introduction 0:20 - Stock Market Update (Bear Market) 2:05 - Interest Rates and Inflation 4:45 - Bitcoin Update 5:10 - House Prices 8:05 - Industry News 11:05 - C&C Update - Welcome Jill! TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On this week’s episode, Darren and Christina talk about how much life insurance one needs and whether or not you have the right coverage. Christina goes through a needs analysis and also covers the things you want to have covered as well. Christina also breaks down what Human Life Value means and how it relates to exactly how you’ll be covered when you purchase the proper life insurance and Darren talks about term insurance and making sure you have insurance with a company that offers a conversion option Tune in now to find out if you have the right coverage! Show notes: 00:00 - Introduction 00:30 - What is a needs analysis? 5:35 - Defining Human Life Value 8:15 - Filling the gap with the proper Term Insurance TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On this week’s episode, Darren and Christina breakdown disability insurance and why it’s so important to not overlook this type of insurance. Everyone has insurance on their house, their car, their boat etc. but a lot of people don’t insure their most important asset, yourself and your earning potential. Prior to age 65, you have a 1 in 3 chance that you’ll be disabled for at least 90 days. It’s incredibly important to get the proper disability insurance for your income. Darren and Christina go through the different products available on the market, group plans vs. personal plans, plans available depending on employer, and the steps you need to take to make sure you have the best disability insurance available to you given your personal situation. Show notes: 00:00 - Introduction 1:15 - Importance of Disability Insurance 3:25 - Breakdown of Group Disability Plan 10:00 - Breakdown of Personal Disability Plan 12:00 - Group Vs. Personal 17:07 - Breakdown of Insurance Riders 22:05 - How are these plans taxed? 23:00 - How much do these plans cost? 26:50 - What you should be doing with your disability insurance TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On this week’s episode, Darren is joined by Mandy Branham, the joint venture Queen. The two chat about how Mandy got her start in real estate investing and specifically joint ventures, how a joint venture works and what a typical deal looks like, what makes a great team, the different variables that go into deciding what areas to invest in, and finish off with Mandy’s advice for people looking to potentially get into real estate investing. Tune in now! Show notes: 00:00 - Introduction to Mandy Branham 2:35 - When did Mandy buy her first property and how did she get started 7:00 - Definition of a joint venture and how they work 18:20 - What goes into making a great team 25:05 - What does a typical joint venture deal look like? 36:35 - How Mandy determines which area/market she’s going to invest in 39:25 - How did Covid and increase in prices affect your business 49:04 - Advice for potential real estate investors TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

Two episodes in one week! Darren and Christina chat about the best places to save your money and also chat about where most people are currently saving their money and why they’re at a disadvantage if they’re not taking advantage of an infinite banking policy. Darren also breaks down an unstructured loan and why they’re one of his favourite components of a policy. Show notes: 00:00 - Introduction 1:08 - Where are most Canadians saving their money? 4:55 - Ideal places to save money 6:40 - Characteristics of the best places to save your money TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

Darren and Christina are back for the September update! This month’s update covers whether we’ll see another interest rate hike, will inflation continue to rise, big news with Manulife, and a look towards this month’s episodes which you won’t want to miss! Show notes: 00:24 - Will we see another interest rate hike? 1:20 - Which way is inflation headed? 2:34 - Big news out of Manulife 4:35 - Update within Control and Compound 7:26 - Control and Compound is hiring! 9:50 - A look back at previous episodes 11:09 - A preview of this month’s episodes TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

In the US economy this year, they had two quarters of negative growth meaning a recession is most likely coming to Canada. When the US sneezes, Canada catches a cold and it’s times like these where you can prepare yourself to take advantage of a down economy. Warren Buffet is quoted as saying, “everytime we’ve had a recession, we’ve had a recovery”, and this time will surely be no different. You can either worry about what might happen or act now to find yourself in a better position than you were before the recession. Using the infinite banking concept will give you access to cash and allow you to make moves during the down economy. Tune in now to find out how! Show notes: Preparing for the incoming recession The parallels between the 2008 financial crisis and our current economy The best place to have your money to take advantage of this opportunity Hard assets and hard people Looking at market trends throughout history TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On this week’s episode, Darren and Christina chat about how much money can people put into their infinite banking policies including is there limits to how much you can put in, how you get approved through the underwriting process, and how the policies work depending on how much money you put into them. Tune in now! Show notes: Defining the underwriting process and how it works What do the policies look like depending on your income and how much you plan on putting into the policy How does the death benefit play into the policy Having multiple policies and how that works Setting up policies for your children TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina tackle the topic that’s been on pretty much everyone's mind the past few months: INFLATION! The two discuss exactly what factors cause inflation and what that looks like here in Canada currently. They also look at the current state of the economy in Canada and how there are still ways to take advantage of this situation using the infinite banking concept. Tune in now! Show notes: Defining Inflation Why is this happening in Canada as well as all over the world How can we combat inflation Using infinite banking during these uncertain times to capitalize on the market   TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren sits down with Simeon Papailias, co-founder of the REC Canada team which is a full service real estate sales and consulting brokerage. The two chat about how Simeon made his way into the world of real estate investment from a background of running restaurants with his family, some of the projects he’s been working on lately, as well as the lessons he has learned from experience in the real estate investment world. Show notes: Simeon’s background from restaurant running to real estate investment mogul REC Canada and what they do Pre-construction 101 How to buy a property as an investor Why Simeon believes education is so important when it comes to real estate investing How REC Canada reaches its target audience TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s August Update, Darren and Christina chat about the recent news about development charges in Toronto, the rule changes to HELOCs, take a look at the current trends in the stock market, real estate market, and Bitcoin, and also preview upcoming episodes. Show notes: Toronto developer chargers increasing by 46% New rules changes to HELOCs The markets are down Preview of upcoming episodes TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound

On today’s episode, Darren and Christina sit down with the wonderful Holly Jespersen. Holly is known for her creation Holly’s Homes which is a business that rents out Airbnb’s to families who have sick children and need a place to stay that is close to their local hospital. Holly uses Airbnb rental arbitrage for Holly’s Homes meaning her business doesn’t own the properties, they rent them and then in turn rent them out as short term rentals and manage the properties accordingly. Holly started the business about 3 years ago and it has already made a huge impact on families in Canada taking away the stress that comes with long hours traveling back and forth. This is an incredible story and you don’t wanna miss out! #airbnb #hollyshomes #realestate Show notes: How Holly got started in real estate investing What led Holly to creating Holly’s Homes How Holly uses Airbnb rental arbitrage to run her business How other real estate investors can get involved The impact of Holly’s Homes on families with sick kids TAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/ FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound