The Your Life! Your Terms! Show

Tom Karadza & Nick Karadza

Nick Karadza & Tom Karadza founded Rock Star Real Estate Inc. after quitting their jobs in the Software industry to "go it alone" in the world of real estate investing.

Rock Star Real Estate has gone from zero clients and zero revenues to being listed on Canada's Profit 500 multiple times as one of the country's fastest growing companies.

All Episodes

Chris Terrelonge's energy is highly infectious in the best way possible! His views on the value of your network, living in integrity and doing the right thing at all times are refreshing. You'll learn about his journey battling anxiety and how he came out the other side, his career evolution and how the right job sometimes finds you when you're not looking. Enjoy this episode of The Your Life! Your Terms! Show.

E

Nov 25

1 hr 14 min

Patrick Burchartz is a KLM airline captain who has a unique vantage point for his investing. On this episode of The Your Life! Your Terms! Show we chat about his investing strategies, his thoughts on real estate, the global economy and why Bitcoin has entered his portfolio. We also get a behind-the-scenes look into how pilots operate and exactly what some of them are doing during flights ... and we had no idea!! Enjoy the show! You can find Patrick on Twitter @PatrickBurchart

E

Nov 23

1 hr 9 min

Dan Jarnevic started out as a Rock Star Inner Circle member and now he's part of the team. On this episode of The Your Life! Your Terms! Show we chat with Dan and Mike Desormeaux about Dan's change in careers, his real estate portfolio building and what he's learned along the way. We dive into different property types, different cities, cash flow numbers and more. Dan also shares some of his early fears and what he makes of those exact same fears today. Priceless!! Enjoy the show!

E

Nov 12

1 hr 9 min

Zvon promised he would sing for us and true to his word he did just that on this episode of The Your Life! Your Terms! Show. And if we had a voice like his we would sing too!! But sadly, we do not, LOL! On this episode, we get the latest tech updates from Zvon, including updates on Macbooks, Chat Apps, Security & VPNs, Encryption technologies and more!! You can reach out to Zvon and get his latest written and video updates at atyourserver.ca/

E

Nov 9

1 hr 11 min

Can the Bank of Canada really raise rates eight times over the next two years? Recent comments by Scotiabank seemed to suggest they may try. In this episode of The Your Life! Your Terms! Show, we chat with our accountant, Andrew Topping, and start looking at some of the math around this. We also discuss tax rates, corporate taxes and tax structures. You can reach out to Andrew's office by visiting www.LugowyAssociates.com

E

Nov 5

1 hr 13 min

On this episode of The Your Life! Your Terms! Show we sit down with John Vallis to chat about the new emerging economy. What do we mean by that? It feels like we are nearing the end of one system, built by central banks and monopolies, and the emergence of a new distributed economy. We chat about inflation vs. deflation, the importance of hard money, morality, religion and the importance of property rights in our lives. John is the host of the Bitcoin Rapid-Fire podcast and of the Closing The Loop podcast. You can find John on Twitter @johnkvallis

E

Nov 2

1 hr 23 min

Christian Kalb is someone who doesn't take no for an answer. Faced with what seemed like impossible odds during the pandemic, he navigated the legal system, consulates, airports, lawyers and government bureaucracy to obtain legal resident status in Panama. On this episode of The Your Life! Your Terms! Show, Christian shares the entire journey and why he did this. John Paul Gulbis, on the Rock Star team, joins the chat to share his experiences working with Christian for years building his real estate portfolio. Stay tuned, this is fun one!

E

Oct 29

1 hr 15 min

On this episode of the Your Life! Your Terms! Show we sit down with Greg Foss, Jesse Berger and Mike Wiebe to get all the latest on Bitcoin, energy pricing and government policies. Greg Foss has 32 years of trading high yield credit in Canada. Jesse Berger is the author of the amazing book, Magic Internet Money. And Mike Wiebe hosts an open Monday night Zoom meetup to chat all things Bitcoin. By the end of the episode, we have chatted about gold, aliens, credit markets, global debt and more. Enjoy the show!! You can follow each of them on Twitter @fossgregfoss @jayberjay and @bitcoin_bullets (you can find Mike's Telegram link there too!).

E

Oct 26

1 hr 51 min

Jatinder Gill is one of those people who inspire you to be better. His clarity of thought, ability to articulate his personal goals and sheer fearlessness about the future are inspiring. On this episode of The Your Life! Your Terms! Show we discuss his pre-construction investing, buying properties in Hamilton and St. Catharines, handling renovations and contractors and creating cash flow. We share purchase prices, cash flow numbers and one investor's approach to life and goal setting. You're in for a treat with this episode, enjoy!!

E

Oct 22

1 hr 3 min

Mitch Jarvi is a fascinating person and has an uplifting story to share. He walked away from a perfectly good career that wasn't serving him to pack up an RV and travel with his family. He then found a great fit with Addy to help democratize real estate for everyone. On this episode of The Your Life! Your Terms! Show Mitch shares his personal story, why Addy became a natural next move for him, current real estate trends and more. Addy allows Canadians to invest in property for as little as $1 (full disclosure: Nick and Tom are investors in Addy). You can learn more about Addy at www.AddyInvest.com

E

Oct 19

1 hr 9 min

Fernando is someone who we can talk to for hours. On this episode of The Your Life! Your Terms! Show, we get into Modern Monetary Theory, Real Estate Trends in Canada, Artificial Intelligence, Social Media and more. Fernando has a long successful history in finance and is recently back at it with AIT.inc, a fund that uses Artificial Intelligence to invest.

E

Oct 15

54 min 53 sec

On this episode of The Your Life! Your Terms! Show we chat with Gerry Gatto of Gatto Law. We cover the little know fact around the planning act in Ontario that can cause major headaches if you're not aware of them. Gerry also outlines what title insurance does for you, how to use a second Will when holding assets in a corporation and why power of attorney may be more important than you think. Gerry Gatto has helped thousands of Ontario investors with their properties and you can reach him and his firm at www.GattoLaw.ca

E

Oct 12

57 min 5 sec

Vijay Boyapati presents a very powerful case for Bitcoin. On this episode of The Your Life! Your Terms! Show we sit down with Vijay to get his thoughts on this new digital money. His Medium article, The Bullish Case for Bitcoin, is an excellent read and he's released a new book with the same title that's available on Amazon right now. During the second half of our chat, we toss some of the Bitcoin threats (regulation, taxes, energy etc.) to get his insights on each of these. We had a blast chatting with him and he's a worthy follow on Twitter @real_vijay . Enjoy the episode!

E

Oct 8

1 hr

Victoria Suen is an unstoppable person. She started investing at 19-years-old, she has hung her own drywall, she submits her own design drawings to the city for approval, she became an Architect and she is living life on her terms. Within minutes of meeting her, you realize she is a force and we couldn't be more impressed. On this episode of The Your Life! Your Terms! Show we chat about Victoria's education, her real estate experience, her mindset and more. You can find her on Instagram @BuildXLab

E

Oct 5

1 hr 5 min

Dylan LeClair (@DylanLeClair_ on Twitter) is living life on exactly his terms. He's 20-years old and skipped college to go directly down the money, Bitcoin and global macroeconomics rabbit hole. He articulates Bitcoin's value propositions extremely clearly, outlines the historic role of banking beautifully and does some intense work in the new field of on-chain analytics. On this episode of The Your Life! Your Terms! Show we go through his story, chat Bitcoin and more. Dylan works on producing Bitcoin Magazine's "Deep Dive" On-Chain analytics report (https://members.bitcoinmagazine.com/). You can test drive it for $10/month for six months using the code: rockstar.

E

Oct 1

1 hr 1 min

Dave Butler & Dan Patton have worked with thousands of investors to help them with their financing and mortgage needs. On this episode of The Your Life! Your Terms! Show we pick their brains on updates around financing, interest rates, banking backlogs and more. We also pull up the winning real estate election platform and go through it together. If you want to reach out to them you can find BMSelect Mortgages at www.BMSelect.ca

E

Sep 28

1 hr 8 min

Kelly Hawkes knows her stuff when it comes to the Ontario Tenancy Act. On this episode of The Your Life! Your Terms! Show, we dive into the Bill 184 changes that are now in effect, we do a rapid-fire Q&A session and cover some details around the Ontario Standard Lease agreement. Kelly has been an amazing resource for us and we're always grateful to share some time together. You can learn more about Kelly at www.KHParalegal.com

E

Sep 24

54 min 59 sec

John Paul McDonald popped by to chat and on this episode of The Your Life! Your Terms! Show we jump into the real estate platforms of the different Canadian political parties. A quick look at some of the numbers they're sharing gets pretty interesting really fast. John Paul is an accountant who works with real estate investors, small business owners and individuals looking for professional tax assistance. You can learn more about John Paul and his firm at www.CMLLP.com

E

Sep 20

1 hr 5 min

Craig Ballantyne is one of the unstoppable people in the world. He just gets stuff done and we love watching his journey unfold. He is the author of the amazing book, The Perfect Week Formula, which has densely packed the best time management and productivity strategies into an easy read. On this episode of The Your Life! Your Terms! Show, we catch up with Craig to chat marriage, time management, kids, life and more. Enjoy the show! You can find Craig on Instagram @realcraigballantyne

E

Sep 16

1 hr 7 min

We're all waiting and wondering what will happen with regulations and tax rules here in Canada around Bitcoin and the Crypto space. On this episode of The Your Life! Your Terms! Show, we sit down with Fabio Campanella to get his views on how the CRA is looking at this space and where we may be headed in the near term. Whether you're "hodling" Bitcoin or trading altcoins it's a good idea to have a sense of where CRA is at with all this stuff! You can reach Fabio Campanella at https://www.cmllp.com/contact/.

E

Sep 3

1 hr 4 min

Mario Cesareo and Vince Belmonte are childhood buddies who are now both venturing into the world of real estate investing. We chat about investing in St. Catharines, rents, price points and why both Mario and Vince choose to buy investment real estate. We also chat about baseball, the best tomato sauce in all of Toronto (fusaros.com), why TFC's Sebastian Giovinco was amazing, Tequila, Bitcoin vs. Altcoins and more! Buckle up and enjoy the show!

E

Aug 31

1 hr 8 min

Having your own cash-flowing business is like owning your own fruit tree. It takes a LOT of time and effort to get it to produce a harvest but once it does nothing tastes sweeter! On this episode of The Your Life! Your Terms! Show, we break down some of the tactics, strategies, principles and thinking that have helped us over the years. Rock Star went from zero to seven and now eight figures using the strategies we're sharing here. Enjoy the episode!

E

Aug 26

1 hr

Charles Li is an amazing person and has an almost unbelievable story. He was born in China, moved to Japan when he was three years old and left to attend high school in Canada. His story reminds us of how many opportunities we have in this area of the world. Charles felt trapped in the corporate 9-5 grind and began listening to podcasts which gave him the idea that there is more possible for him. Today he works with real estate investors across the GTA and the entire Golden Horseshoe. You can learn more about Charles and contact him via his website at www.Charlli.com

E

Aug 24

1 hr 14 min

Mary-Anne and David don't let anything stop them. When they decided to get into real estate investing they jumped in with both feet. On this episode of The Your Life! Your Terms! Show they share their story, why they chose to journey from Toronto to St. Catharines to buy, how they handled renovations, rents their seeing and more. And Rock Star team member, Erika Spencer, joins in to share where she's investing now and the rents she is seeing on vacation properties in Ontario. Enjoy the episode!

E

Aug 19

52 min 37 sec

Michael Dominguez decided that he had not been meeting his life's goals and changed careers at the age of 40. He dove into the world of real estate and real estate investing and learned many lessons the hard way - from experience! He has written a new book, Armchair Real Estate Millionaire, and is sharing what he has learned with new and experienced investors by documenting his own journey. Michael is living life on his terms and we love it! You can learn more about Michael and his book by visiting: www.armchairrealestatemillionaire.com

E

Jul 21

57 min 12 sec

On this episode of The Your Life! Your Terms! Show we sit down with Anthony Molinaro, membership coordinator here at Rock Star, and my son, Aidan Karadza. Over lunch, we've been having discussions on life, business building, investing, real estate prices, the real cost of capital, Bitcoin, the crypto space and more. So we decided to sit down and record one of these discussions where they toss some questions my way and I do my best to answer. Really enjoyed this chat and hope you do as well!

E

Jul 14

1 hr 15 min

Rob Minton marches to his own drumbeat and we love him for it. He's a friend, a mentor of ours and was instrumental in helping guide the early days of Rock Star Real Estate. Today he shares his thinking and investing ideas via his Cashflownaire.com membership. On this episode of The Your Life! Your Terms! Show we chat Ohio real estate, appreciation trends, principles to live by and the value of creating multiple streams of income. You can get a free copy of Rob's books The Cash Flow Plan at www.Cashflownaire.com

E

Jul 7

1 hr 2 min

Trish Wood is a self-described libertarian in her head but a champion of the working class in her heart. She is an ex-CBC journalist, was one of the hosts of the Emmy Award-winning show, The Fifth Estate, for a decade and has a lifelong curiosity that drives her. Today she is the host of the podcast, Trish Wood is Critical, and fearlessly shares her views, challenges mainstream thinking and interviews amazing guests on her podcast. You can learn more about Trish and support her work by visiting www.TrishWoodPodcast.com

E

Jun 30

57 min 50 sec

We get slightly obsessed with the Canadian economy, interest rates, debt levels, real estate trends and our money system. On this episode of The Your Life! Your Terms! Show we dive into all of it. We break down some math and look at the trends that are driving real estate prices this year and beyond. We expect big challenges over the next few years and our Bank of Canada and central banks around the world are going to play a larger role in all our lives than most people are prepared for. Enjoy the show!!

E

Jun 23

1 hr 4 min

Tim Hong was a Rock Star Inner Circle Member and investing in income properties before deciding to quit his job and dive into the world of real estate full time. Not only did he join Rock Star Real Estate but he has gone on to create multiple streams of income and managed to sell one of his side hustle income streams to another business. We're super proud to share Tim's journey on this episode of The Your Life! Your Terms! Show. You can find Tim at www.TimHong.ca

E

Jun 18

1 hr 3 min

Aaron and Thomas are the type of young Canadians that make us excited for the future. They are independent thinkers, invest in themselves, work in their family JustJunk.com business with their father and have a great outlook on life. On this episode of The Your Life! Your Terms! Show we discuss the books they've read, why they decided to buy income property, their thoughts on life, school, their future and more. You can find Thomas on TikTok at JustJunkToronto and if you book a junk removal in the southern Toronto area, who knows, you may cross paths with these two awesome brothers. Enjoy the show!

E

Jun 15

1 hr 7 min

John Paul McDonald is an accountant and partner at his firm, Campanella McDonald LLP (cmllp.com).  He has a ton of experience working with real estate investors and small business owners to structure their investments in a tax-efficient manner.  On this episode of The Your Life! Your Terms! Show we dive into tax brackets, depreciation, when to use corporations and when not to for your real estate and more.  They are launching a new podcast, Smarten Up, and you can find the first episodes on their YouTube channel.

E

Jun 11

1 hr 8 min

Connor Eagleson is taking control of his life and living on his terms! This 28-year-old quit his job for a better path, is devouring good books, investing in himself and investing in real estate! He mentioned that changing the people he has been hanging around for more like-minded, positive individuals has been a game-changer ... and we could not agree more. Together with his fiancé Maggie they are hustling in the most positive way and we know that their future is as bright as they want to make it. If you know any young Millenials looking to change things up please share this episode of The Your Life! Your Terms! Show.

E

Jun 8

1 hr 5 min

Ben Perrin, also known as BTC Sessions, puts together some of the best Bitcoin educational content that we've come across. His YouTube channel (https://www.youtube.com/btcsessions) is full of wonderful content that covers everything from wallets, to nodes, to setting up lightning channels. On this episode of The Your Life! Your Terms! Show Ben destroys some of the current Bitcoin FUD around energy usage, Chinese mining and Bitcoin transaction speeds. We also dive into why you may want to consider running your own node and eventually why you may want to offer some Lightning Channel liquidity to the world. You can find Ben on Twitter @BTCSessions where he's always helpful and super active.

E

Jun 4

1 hr 24 min

Ben Rabidoux does an excellent job of pulling Canadian economic data and separating signal from noise. On this episode of The Your Life! Your Terms! Show we get Ben's thoughts on housing, the economy, debt levels, interest rates, population trends, housing supply and a lot more. We absolutely love this stuff and Ben is one of the few in Canada who filter through avalanches of information to provide great insights. You can learn more about Ben's new real estate market intelligence service at www.EdgeAnalytics.ca and you can find him on Twitter @BenRabidoux

E

Jun 1

1 hr 12 min

Greg Foss is back on The Your Life! Your Terms! Show and that always means a good time! We chat about what he's seeing in the fixed income space, how Bitcoin energy usage is completely misunderstood, and the flow of Wall Street money. Greg also shares real-use cases for Bitcoin that we had not considered and we get an update on his debt/GDP math! You can learn more about Greg and his 32 years of High Yield Bond Trading experience via his paper available at www.RockStarInnerCircle.com/Foss or on Twitter @fossgregfoss

E

May 28

1 hr 14 min

On this episode of The Your Life! Your Terms! Show we bring on an old friend, Todd O'Donnell, to chat about life, business and following your own path. Todd has built a great business with Desjardins Insurance with multiple locations in Cambridge and Guelph. He has been insuring real estate investors for years all across the GTA and Ontario and we discuss some of the insurance "red flags" to watch out for when buying a property firm (with no inspection). You can find Todd at www.InsuranceTodd.com

E

May 26

1 hr 5 min

It's rare that we meet an accountant with such passion for overhauling the tax system. In fact, Neal Winokur has so much enthusiasm for this that he wrote a whole book on the subject, titled, The Grumpy Accountant: One Fed-Up Tax Pro's Practical Plan to Fix Canada's Senselessly Complicated Tax System. We have a high-level discussion on the system here in Canada and get Neal's latest thoughts on the Federal budget that was recently announced. You can learn more about Neal and find his book at www.GrumpyAccountant.ca

E

May 22

1 hr

Joe Glube is an incredible individual. The fact that he is so willing to share his difficult journey through addiction with others is incredible. He's doing it with the hope that perhaps someone, somewhere may use this to find the help they need or help someone else find the help they need. On this episode of The Your Life! Your Terms! Show Joe breaks down exactly when he decided to get help, the power of your self-talk and why taking personal responsibility for his own life changed everything. We are honoured to share this episode with you and we are grateful to call Joe a good friend.

E

May 18

1 hr 26 min

Jay Shaw runs Welcome Home Property Management and teaches a property management class here at Rock Star. He's a veteran and shares all sorts of tips on screening strategies, why maintenance requests are critical to your success as a landlord, rent trends and more. He covers the Hamilton to Niagara region and is launching a new service for investor landlords who want to handle tenant placement and rent collection but outsource maintenance requests. You can learn more about that at www.NoMoreCalls.ca and www.WelcomeHomePM.ca

E

May 14

1 hr 2 min

Marko Radosevic joins us to discuss Bitcoin and cryptocurrencies. Bitcoin is a huge topic and recently we're all getting more and more questions around how to buy it, what it is and why anyone should pay attention to it. We break down some of the higher-level concepts that changed our thinking completely on it. We went from dismissing Bitcoin a few years ago to being huge believers, fans and we even run a full Bitcoin node here at the Rock Star offices. On this episode of The Your Life! Your Terms! Show we do our best to explore the massive world of Bitcoin, enjoy!

E

May 11

1 hr 11 min

We always think we're overinsured. So when someone comes to us with another insurance product we automatically run, it's a natural reaction. But after reading Be The Bank, by Darren Mitchell, we realized we had been missing an interesting opportunity. On this episode of The Your Life! Your Terms! Show Darren explains how you can use life insurance to multiply your savings, your investing and grow your returns in ways we literally did not that were possible. You can learn more about Darren and his strategies by visiting www.ControlandCompound.com/rockstar

E

May 5

53 min 35 sec

We have watched Paul and Andrew build their own portfolios, build property, buy Caribbean island homes and create cash flow with hundreds of investors for a decade now. On this episode of The Your Life! Your Terms! Show we catch up on their latest thinking around real estate, life, and living life on your own terms. These are two millennials who refuse to take no for an answer and continue to carve out their own path in life. Enjoy the show!!

E

May 4

1 hr 1 min

Kelly Hawkes is a Senior Paralegal who has 10+ years of experience working with the Tenant Board and representing landlords. She also has 10+ years of Property Management experience so she's seen almost everything at this point. On this episode of The Your Life! Your Terms! Show, we get updates on where the Tenant Board is at with booking hearings, the online hearing process and the importance of rent mediation during these times. You can reach out to Kelly Hawkes via her website at www.KHParalegal.com

E

Apr 30

1 hr 1 min

Dr. Jeff Perron is a clinical psychologist and is back to break down our thinking, beliefs, and how they affect our behaviours. We also dive into how to handle quarantine fatigue, how to identify your core values, and strategies for changing the ones you don't like! We also get into the economy, real estate, and Dr. Jeff does a quick informal analysis of some of Tom's own values. We feel very grateful and honoured to have Canadians like Dr. Jeff come on The Your Life! Your Terms! Show and share his knowledge and expertise with us! You can find him on LinkedIn at this URL: https://www.linkedin.com/in/perronjeff/

E

Apr 24

1 hr 29 min

It's easy to dismiss the madness of markets, interest rates, inflation and money. But that would be short-sighted. There is so much going on right now with the current PetroDollar system that we would all be wise to pay very close attention to. On this episode of The Your Life! Your Terms! Show we share what we're seeing in the local real estate market, Canadian debt levels, interest rate trends and we of course dive into Bitcoin and what represents true real economic value. Enjoy the show!!

E

Apr 14

1 hr 4 min

David Meulensteen and John-Michael Weber are two amazing brothers who join us to chat about David's book, It's Time: A Beginner's Guide to Freedom. This is an incredible read for anyone looking to change their life. David covers finances, life stages, school, risks and condenses a truly incredible amount of useful knowledge into a densely packed gem of a read. We also dive into real estate, Bitcoin, the economy, business building and John-Michael's business SuperiorMemorials.com . You can reach David on Twitter @Muely77 and he's a Realtor in Listowel, Ontario. The book is available on Amazon.ca: https://www.amazon.ca/ITS-TIME-beginners-guide-freedom/dp/B08DSWPSBS

E

Apr 9

1 hr 13 min

Jesse Berger is back on The Your Life! Your Terms! Show to chat about his latest work. He has put an article together breaking down what happened to Adam Skelly and his Adamson Barbeque restaurant when the police shut him down. Embarrassingly we are not well versed in the Charter of Rights here in Canada at all so Jesse shares his research on what should have happened, how things could have been handled and how judges in Ontario and British Columbia are ruling and commenting. Fascinating stuff and we encourage this open type of discussion. You find Jesse Berger on Twitter @jayberjay and his full article is here: https://jesse-b-berger.medium.com/risk-it-for-the-brisket-edb282b1e245

E

Apr 6

1 hr 10 min

Daniel Prince has a fascinating story. He walked away from a career to explore living life on exactly his terms. Together with his wife and four children, they began travelling the world and world schooling their children along the way. On this episode of The Your Life! Your Terms! Show we chat about his book, Choose Life: The Tools, Tricks & Hacks of Long Term Family Travellers, World Schoolers and Digital Nomads. We also get into how he started his Once Bitten Podcast and what role Bitcoin now plays in his life. You can connect with Daniel on Twitter @princey1976 and find a copy of his book on Amazon.ca and learn more about him at www.Once-Bitten.com. Enjoy the Show!

E

Apr 3

1 hr 14 min

Fadi Dawood and Matt Wilson are fearless. They clearly had a lot of courage to get started investing in their early 20's and survive all the madness that comes along with buying income properties. They survived the journey and now in their 30's are willing to share what they have learned. We are so pumped and grateful to be able to work with such amazing people like Fadi and Matt, both long-time Rock Star Inner Circle members. And we feel strangely proud when busy people like themselves take the time to open up and talk about what they've been through so that others may learn from them. You can track them both down on LinkedIN if you'd like to reach out.

E

Apr 1

1 hr 7 min