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Welcome to the Unconventional Wisdom podcast. The show that helps you achieve financial security & freedom. Insights based on in-depth experience from Canada's #1 financial planner blogger. Find out what really works. Your host, fee-for-service financial planner & tax accountant, Ed Rempel.
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Are you ready to shatter the status quo and unleash your full potential as a property and casualty insurance agent? Welcome to "P&C Maverick - Unconventional Wisdom For Quantum Gains," the podcast that dares to challenge the norms and deliver game-changing insights for ambitious agents like you. Each season, join host Craig Pretzinger as he explores a powerful motif and dives deep into the unconventional strategies and mindset shifts that separate the top performers from the rest of the pack ...
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show series
 
Divorce is never financially smart! As a financial planner, I don’t recommend divorce. It’s bad for your finances! However, you can go through it in the most financially smart way – to leave both of you in the best possible position. We have seen quite a few people go through divorce. We’ve seen some total disasters, fighting for years through lawy…
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In this intriguing episode of P&C Maverick, host Craig Pretzinger explores the counterintuitive power of Law #16 from Robert Greene's "48 Laws of Power": Use absence to increase respect and honor. Craig shares insights on how to strategically use absence and scarcity to build intrigue, influence, and perceived value in your insurance career. Drawin…
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In this powerful episode of P&C Maverick, host Craig Pretzinger takes on the controversial Law #15 from Robert Greene's "48 Laws of Power": Crush your enemy totally. Craig explores how to navigate the competitive landscape of the insurance industry with strategic boldness, while still maintaining your integrity and ethical standards. Drawing on rea…
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Many people today feel they have no choice but to be a tenant, however, what if you actually choose this? You can choose to be a tenant forever and it can be a great life! I’m going to introduce you to the concept of “Tenant Freedom,” to show you how great of a life it can be. Watch my latest podcast episode to find out: Advantages & disadvantages …
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In this thought-provoking episode of P&C Maverick, host Craig Pretzinger delves into the complex world of Law #14 from Robert Greene's "48 Laws of Power": Pose as a friend, work as a spy. Craig explores the delicate balance between building authentic relationships and gathering strategic intelligence in the insurance industry. Drawing on real-world…
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Gold goes down on inflation. Why doesn’t the industry know this? This is one of the most common and wrong conventional wisdoms. The conventional wisdom is that Gold protects you from inflation, so if we have high inflation Gold should be up. It should maintain its value. The problem is – this isn’t true and hasn’t been true for decades. So why does…
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In this game-changing episode of P&C Maverick, host Craig Pretzinger explores the counterintuitive power of Law #13 from Robert Greene's "48 Laws of Power": When asking for help, appeal to people's self-interest, never to their mercy or gratitude. Craig shares insights on how to use the art of asking to gain influence, build relationships, and achi…
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In this thought-provoking episode of P&C Maverick, host Craig Pretzinger tackles the complex and often controversial Law #12 from Robert Greene's "48 Laws of Power": Use selective honesty and generosity to disarm your victim. Craig explores how to navigate the delicate balance between strategic sharing and authentic transparency to build trust and …
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20 years ago I took the most fascinating investment course, and by far the most in-depth. The course made me a “Certified Hedge Fund Specialist” (CHFS). I loved it so much I received the top mark in Canada. From the course and meeting with hedge fund people, I’ve learned the ins and outs of the Hedge Fund World, which to many, seems like a secret c…
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In this fascinating episode of P&C Maverick, host Craig Pretzinger dives into the mysterious and powerful Law #11 from Robert Greene's "48 Laws of Power": Learn to keep people dependent on you. Craig explores how to ethically leverage the power of contagion to build influence, create value, and become an indispensable resource in the insurance indu…
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I was honoured to be invited by Ellen Roseman to speak with her Investment Club about the 6 key lessons I have learned as a fee-for-service financial planner. They have had investment guest speakers, but never someone just talking about financial planning. Ellen Roseman is a journalist who sticks up for ordinary Canadians. Her personal finance & co…
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In this powerful episode of P&C Maverick, host Craig Pretzinger explores the vital importance of resilience as outlined in Law #10 from Robert Greene's "48 Laws of Power": Infection: Avoid the unhappy and unlucky. Craig shares insights on how to protect yourself from negative influences and maintain a winning mindset in the face of adversity. Drawi…
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Do you own a business? If yes, then you’ll love my latest podcast episode. I cover the few things that you really need to know about corporations. You’ll learn: When should you incorporate. If you should get a holding company. Whether you should pay yourself a salary or dividend. Common mistakes by business owners. If you should invest in a corpora…
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In this enlightening episode of P&C Maverick, host Craig Pretzinger explores the crucial importance of timing as outlined in Law #9 from Robert Greene's "48 Laws of Power": Win through your actions, never through argument. Craig shares insights on how to use strategic timing to achieve your goals and build success in your insurance career. Drawing …
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In this intriguing episode of P&C Maverick, host Craig Pretzinger explores the enigmatic Law #8 from Robert Greene's "48 Laws of Power": Make other people come to you – use bait if necessary. Craig delves into the concept of using mystery and intrigue to attract others and build influence in your insurance career. Drawing on historical examples and…
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The most common question I get asked about the Canada Pension Plan (CPP) is: “Is it smart to take my CPP early?” And what I say is - it depends, as the answer is contingent on five main factors. How long do you expect to live? How do you invest? What will inflation be? Are you still working? When do you need the money? In my latest podcast episode …
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In this inspiring episode of P&C Maverick, host Craig Pretzinger explores the transformative power of Law #8 from Robert Greene's 48 Laws of Power: "Make other people come to you – use bait if necessary." Drawing on real-world examples and his own leadership journey, Craig shares strategies for attracting opportunities, influencing others, and maki…
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In this thought-provoking episode of P&C Maverick, host Craig Pretzinger dives into the subtle art of shaping perception in the insurance world. Drawing on Robert Greene's 48 Laws of Power and real-world examples from industry leaders like David Seagraves, Craig explores how the way others see you can make or break your success. With his trademark …
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In this thought-provoking episode of P&C Maverick, host Craig Pretzinger delves into the often misunderstood Law #7 from Robert Greene's "48 Laws of Power": Get others to do the work for you, but always take the credit. Craig challenges the notion that this law is about manipulation and instead focuses on the ethical ways to inspire and attract sup…
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In this transformative episode of P&C Maverick, host Craig Pretzinger explores the critical importance of adaptability in the ever-changing world of insurance. Drawing on Robert Greene's 48 Laws of Power and his own extensive experience in the industry, Craig shares powerful strategies for navigating uncertainty, embracing change, and staying ahead…
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In this provocative episode of P&C Maverick, host Craig Pretzinger tackles one of the most controversial and misunderstood laws from Robert Greene's 48 Laws of Power: Law #6, "Court attention at all costs." Drawing on real-world examples and his own experiences, Craig explores the power of attention in driving success and influence in the insurance…
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What will it take for you to become financially free? To have enough money that you never have to work again? This latest podcast episode is my insight into the few key ideas you really need to know. It’s an overview to give you the big picture of what really works. Some of these ideas are not conventional wisdom. They are the ideas that give you r…
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In this essential episode of P&C Maverick, host Craig Pretzinger dives deep into the importance of reputation in the insurance industry. Drawing on Robert Greene's 48 Laws of Power (#5) and real-world examples from top performers like Jorge Carbonell, Craig reveals why your reputation is your most valuable asset – and how to protect it at all costs…
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It’s easy to outperform robo-advisors. Why? Because they don’t even try to outperform, they try for reasonable returns with less risk. You would think robo-advisors would just invest in a few broad indexes, but often they don’t. And they require you to invest in bonds no matter how high your risk tolerance. Robo-advisors are big investment companie…
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In this provocative episode of P&C Maverick, host Craig Pretzinger explores the counterintuitive power of saying less and achieving more in the insurance industry. Drawing on insights from Robert Greene's 48 Laws of Power and real-world examples from industry leaders like Jason Feltman and The Insurance Dudes, Craig challenges listeners to rethink …
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The average Canadian wastes $22,000 after tax during their life for every $100,000 of their mortgage and takes 38 months longer to pay it off, according to a study by Moshe Milevsky. This is because of taking 5-year fixed mortgages instead of variable. They are marketed as being safe and a good protection against a sharp rise in interest rates. The…
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In this intriguing episode of "P&C Maverick: Unconventional Wisdom for Quantum Growth," host Craig Pretzinger dives into Robert Greene's 48 Laws of Power, exploring Law #3: Conceal Your Intentions. But this isn't about being sneaky or deceptive. Instead, Craig reveals how to use strategic concealment to protect your best ideas, maintain a competiti…
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Smith Manoeuvre or Smith Maneuver? Why the two spellings and which is correct? This strategy (which I’m most known for), helps Canadian homeowners make their mortgages tax deductible in a simple way. What’s the proper spelling? Who pioneered this legal strategy? Does it work in Quebec? Can you use it if you live in the United States? All these ques…
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In this eye-opening episode of "P&C Maverick: Unconventional Wisdom for Quantum Growth," host Craig Pretzinger continues his deep dive into Robert Greene's 48 Laws of Power, tackling Law #2: Never Put Too Much Trust in Friends, Learn How to Use Enemies. But don't let the title fool you – this isn't about being cynical or cutthroat. Instead, Craig s…
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In this groundbreaking first episode of "P&C Maverick: Unconventional Wisdom for Quantum Growth," host Craig Pretzinger kicks off a game-changing series exploring Robert Greene's 48 Laws of Power and their application to the insurance industry. Drawing on his own experience and insights from top industry leaders like Jason Feltman of "Impact and Fr…
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Asset Allocation Loss Ratio (AALR) – What Is It & How Does It Help You? When you go to any investment firm in Canada, they require you to sign a risk tolerance questionnaire to prevent you from investing too aggressively. However there are two important questions: What prevents you from investing too conservatively? Can you achieve your life goals …
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I recently did an interview with Bryn Griffiths from 630 CHED radio in Edmonton about how different things can affect people's credit ratings and how to avoid making common mistakes. It’s a quick, but important podcast episode, because even a $10 missed credit card bill can cost you hundreds of dollars in interest. Plus how to start or build your c…
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Remember the show “Who wants to be a millionaire?” Are you the kind of person that wants to build some serious wealth? Live an exceptional life? Be financially free? I don’t mean just a comfortable amount. I mean a lot – like being a multi-millionaire. The truth is, average people can become very wealthy just by managing their money for maximum gro…
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It is easy to outperform index investors. Why? Because they don’t really try to get index returns, they try for reasonable returns with less risk. This makes them use “performance drags” that typically reduce their returns by at least 1-3%/year. In my latest podcast episode (which is under 3 minutes!), you’ll learn exactly how to EASILY outperform …
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How should you invest your money? If you don’t invest wisely, it will be hard to fund your future. There are always new areas you can put your money into, but are they worthwhile long-term? In my latest podcast episode, I look at all the possible areas to invest your money and fit them into 4 categories: gambling, speculating, saving, and investing…
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Financial freedom is what we all want. We talk to people about their finances all the time and most people just want to know that their money is there, and they can live their life the way they want, but very few Canadians actually get there. Why? Most Canadians are not financially secure because of sub-optimal investments and focusing on the wrong…
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When you’re planning for your future you need to have a sound investment strategy, that gives you confidence that you’ll eventually have the retirement that you’ll want. The best way to understand this is with a hockey analogy. Would it be more effective for me to go on the ice and stickhandle and shoot, or for me to pick an NHL superstar to play f…
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Do you feel financially secure? What would it take for you to build a huge nest egg to become financially secure? Conventional wisdom says it’s mostly about investing better. It suggests you should focus on getting a higher return or lower fees. My experience, though, is surprisingly completely different. I have seen the full finances of thousands …
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The RRSP Gross-up Strategy is a relatively simple concept that can help you contribute 40-70% more to your RRSP, without using any more of your cash. Do this every year and you can retire with 40-70% higher income for life! The last podcast was quite detailed, while this episode is a quick and concise overview of the strategy. In my latest podcast …
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Wouldn’t it be great if you could save a lot more for your future without affecting your day-to-day cash flow? One of the main things you learn from your retirement plan is that you need a lot more to retire comfortably than you may have thought. But with all the day-to-day expenses, it can be difficult to find the money to contribute as much as yo…
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Are you a parent? If yes - you’re probably paying a lot more tax. Parents are often in higher tax brackets than non parents. This means your planning must be diligently looked at, as it can affect your RRSPs, deductions, and more. I’ve talked about this topic before on my blog, but this is the updated version. In my latest podcast episode you’ll le…
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If you’re investing in equities, you may be using various investment data software like Morningstar. The problem? Investment data often gets misused. This is because you may be looking at short-term stats and ratings from only the last 1-5 years. It takes a lot of effort looking at investment stats, but most people who do this incorrectly, don’t ge…
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5 Steps for You to Become Wealthy One of the really cool things about my job is that I get to meet a lot of wealthy people. I get to see what kind of people they are and what their life is like. What I find really rewarding though is to take people whose lives are struggling or just regular income earners and put them on a path to become wealthy. I…
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Is your mortgage tax-deductible? The Smith Manoeuvre is an elegant strategy to invest for your retirement without using your cash flow. You borrow against your home to invest for your retirement. It converts your mortgage over time into a tax deductible credit line. The Smith Manoeuvre is very effective as part of your retirement plan. It typically…
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You have probably seen many articles Tax-Free Savings Account (TFSA) vs. Registered Retirement Savings Plan (RRSP). Here is the real answer specifically for you from a tax expert. Deciding on the right one is an important part of your financial plan. Your personal Financial Plan should include the income per year you will need after you retire to h…
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Dividend investing is a brain fart! The entire concept is your brain playing tricks on you. I know that thousands of people like dividend investing. In fact there are hundreds of blogs dedicated to it. Dividend investing may sound like a solid and steady way to invest. But it’s a brain fart! In my latest podcast episode you’ll learn: Why is dividen…
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What's important about money to you? Understanding how you feel about money is the first step in an effective financial plan to create the life you want. Money impacts so many aspects of your life. How you handle it, save it, and spend it can say a lot about you. There are some common themes in how people feel about money, and what it means to them…
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As we look forward to the holidays and 2024, one thing I know for sure is: "The World is Getting Better All the Time". Every generation of young people thinks the world is getting worse, but the world is dramatically better in every important way than 100 years ago. For example, 170,000 people are lifted out of extreme poverty every day for the las…
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You probably think credit card interest is pretty high. It can be far higher than you think! If you or your kids ever do not pay your credit card balances in full by the due date, this is the video to watch. Credit card debt is the single most common place where Canadians get stuck, which can create havoc with your finances (and future). In my late…
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Can You Be Confident in the Stock Market? There are two schools of thought on this question. The stock market is a decent investment, but it’s a gamble that may or may not make money for you. The stock market is a reliable long term investment that should be the core of your future financial planning. Most investors are scared of suffering a major …
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