Mortgage 101 - Refinancing, Renewals, And Recent Changes (Merry Debtmas 2025) Mortgage 101 With Clinton Wilkins & Todd Veinotte podcast

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المحتوى المقدم من Podstarter and Clinton Wilkins Mortgage Team. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Podstarter and Clinton Wilkins Mortgage Team أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

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Understanding the Elegant Math Behind Modern Machine Learning 1:14:43

منذ 10 أيام1:14:43

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1:14:43

Artificial intelligence is evolving at an unprecedented pace—what does that mean for the future of technology, venture capital, business, and even our understanding of ourselves? Award-winning journalist and writer Anil Ananthaswamy joins us for our latest episode to discuss his latest book Why Machines Learn: The Elegant Math Behind Modern AI . Anil helps us explore the journey and many breakthroughs that have propelled machine learning from simple perceptrons to the sophisticated algorithms shaping today’s AI revolution, powering GPT and other models. The discussion aims to demystify some of the underlying mathematical concepts that power modern machine learning, to help everyone grasp this technology impacting our lives–even if your last math class was in high school. Anil walks us through the power of scaling laws, the shift from training to inference optimization, and the debate among AI’s pioneers about the road to AGI—should we be concerned, or are we still missing key pieces of the puzzle? The conversation also delves into AI’s philosophical implications—could understanding how machines learn help us better understand ourselves? And what challenges remain before AI systems can truly operate with agency? If you enjoy this episode, please subscribe and leave us a review on your favorite podcast platform. Sign up for our newsletter at techsurgepodcast.com for exclusive insights and updates on upcoming TechSurge Live Summits. Links: Read Why Machines Learn, Anil’s latest book on the math behind AI https://www.amazon.com/Why-Machines-Learn-Elegant-Behind/dp/0593185749 Learn more about Anil Ananthaswamy’s work and writing https://anilananthaswamy.com/ Watch Anil Ananthaswamy’s TED Talk on AI and intelligence https://www.ted.com/speakers/anil_ananthaswamy Discover the MIT Knight Science Journalism Fellowship that shaped Anil’s AI research https://ksj.mit.edu/ Understand the Perceptron, the foundation of neural networks https://en.wikipedia.org/wiki/Perceptron Read about the Perceptron Convergence Theorem and its significance https://www.nature.com/articles/323533a0…

Mortgage 101 with Clinton Wilkins & Todd Veinotte « »
Mortgage 101 - Refinancing, Renewals, and Recent Changes (Merry Debtmas 2025)

منذ عام واحد 10:07

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المحتوى المقدم من Podstarter and Clinton Wilkins Mortgage Team. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Podstarter and Clinton Wilkins Mortgage Team أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

Todd and Clinton's Merry Debtmas conversation continues, this time discussing the ins and outs of mortgage refinancing and renewals, highlighting recent changes to Canadian mortgage rules.

Key points include the introduction of high-ratio insured mortgages with a 30-year amortization and an increased limit to $1.5 million. They also cover the return of high-ratio insured refinances up to 90% of the home's value, specifically for adding secondary units. Clinton emphasizes the importance of timing refinances during renewals and the complexities involved, such as zoning and financial incentives.

… continue reading

160 حلقات

#News Talk #Podcasting Education #News #Sarah MacLellan #Clinton Wilkins Mortgage Team #Real Estate #Mortgage #Home Finance #Finance #Home Buying #CityNews #Clinton Wilkins #Todd Veinotte #Centum

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Mortgage 101 - Refinancing, Renewals, and Recent Changes (Merry Debtmas 2025)

Mortgage 101 with Clinton Wilkins & Todd Veinotte

published منذ عام واحد

مشاركة

MP3•منزل الحلقة

المحتوى المقدم من Podstarter and Clinton Wilkins Mortgage Team. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Podstarter and Clinton Wilkins Mortgage Team أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

Todd and Clinton's Merry Debtmas conversation continues, this time discussing the ins and outs of mortgage refinancing and renewals, highlighting recent changes to Canadian mortgage rules.

Key points include the introduction of high-ratio insured mortgages with a 30-year amortization and an increased limit to $1.5 million. They also cover the return of high-ratio insured refinances up to 90% of the home's value, specifically for adding secondary units. Clinton emphasizes the importance of timing refinances during renewals and the complexities involved, such as zoning and financial incentives.

… continue reading

160 حلقات

#News Talk #Podcasting Education #News #Sarah MacLellan #Clinton Wilkins Mortgage Team #Real Estate #Mortgage #Home Finance #Finance #Home Buying #CityNews #Clinton Wilkins #Todd Veinotte #Centum

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Mortgage 101 - Implications of the Matrimonial Property Act 10:25

منذ 6 أيام10:25

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10:25

Clinton and Todd are joined again by special guest Leigh Davis, family lawyer from MDW Law. This time, they're digging into the Matrimonial Property Act, it's provisions, and what kinds of relationship arrangements are covered under this legislation.

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Mortgage 101 - Financial Literacy in Marriage 13:26

منذ 13 يومًا13:26

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13:26

Clinton and Todd are joined by Leigh Davis, family lawyer with MDW Law. The three talk about what it means to practice financial literacy in a matrimonial setting, emphasizing the importance of having tough conversations before the wedding bells ring, and what services are available should matrimonial breakdown occurs.…

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Mortgage 101 - Impact of Tariffs on Mortgage Rates 9:55

منذ 20 يومًا9:55

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9:55

The news lately has been challenging to a lot of Canadians. With the threat of tariffs looming over the economy, what can borrowers expect as far as mortgage rates go? In this episode, Clinton and Todd cut through the headlines and clickbait to give borrowers the advice they need to keep themselves and their assets safe over the next four years.…

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Mortgage 101 - Love Your Home 10:23

منذ 27 يومًا10:23

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10:23

It's February, which means it's time to talk about loving your home! Clinton and Todd discuss the many aspects that go into loving your home, emphasizing that renovations should be enjoyed by the current owners, discouraging homeowners from renovating right before a sale.

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Mortgage 101 - Next Steps with Tina Powell (Merry Debtmas 2025) 9:54

منذ 5 weeks9:54

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9:54

To wrap up their Merry Debtmas conversation, Todd and Clinton invite Tina Powell from MNP Limited to discuss the next steps borrowers need to take after filing for bankruptcy or a consumer proposal. The three explore the challenges and strategies for reestablishing credit and staying clear of additional trouble. They emphasize the importance of paying out discharges on time and the consequences of missing payments, including annulment of proposals. They also discuss the impact of bankruptcy on co-signers and the importance of not co-signing.…

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Mortgage 101 - Getting Out of Trouble with Tina Powell (Merry Debtmas 2025) 13:25

منذ 6 weeks13:25

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13:25

Todd and Clinton continue chatting on the subject of Merry Debtmas, inviting a friend of the show to share some information that may be helpful to borrowers facing challenging financial situations. Tina Powell, a licensed insolvency trustee from MNP Limited, discusses personal insolvency options such as bankruptcy and consumer proposals. She emphasizes the importance of confidentiality and empathy in her role, highlighting that financial stress impacts all areas of life. Tina explains the differences between bankruptcy and consumer proposals, their allowances and demands, and reasons why a borrower may want to chose one over the other.…

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Mortgage 101 - Refinancing, Renewals, and Recent Changes (Merry Debtmas 2025) 10:07

منذ 7 weeks10:07

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10:07

Todd and Clinton's Merry Debtmas conversation continues, this time discussing the ins and outs of mortgage refinancing and renewals, highlighting recent changes to Canadian mortgage rules. Key points include the introduction of high-ratio insured mortgages with a 30-year amortization and an increased limit to $1.5 million. They also cover the return of high-ratio insured refinances up to 90% of the home's value, specifically for adding secondary units. Clinton emphasizes the importance of timing refinances during renewals and the complexities involved, such as zoning and financial incentives.…

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Mortgage 101 - New Year, Same Expert Advice (Merry Debtmas 2025) 9:18

منذ 8 weeks9:18

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9:18

It's a new year which can only mean one thing: Merry Debtmas! Todd and Clinton discuss the challenges of home ownership and financial planning in this time of rising costs and inflation. Clinton emphasizes the importance of financial literacy and planning, noting that 60% of Canadians are facing mortgage renewals with potentially strained finances. They highlight the necessity of having a fallback plan, such as savings, and the benefits of tools like the First Home Savings Account and TFSAs. The conversation also touches on the dream of home ownership, the impact of lifestyle choices on financial health, and the role of government policies in supporting home buyers.…

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Mortgage 101 - Creditor Insurance and More Listener Q&A 8:45

منذ 13 weeks8:45

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8:45

Mario Cloutier from Manulife joins Clinton Wilkins and Dan Ahlstrand again to discuss risk coverage for borrowers who are looking to build and the high cost of construction today. The three wrap the show by taking a listener's call, answering the questions he had on the subject of creditor insurance.…

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Mortgage 101 - Insurance Coverage Over the Lifespan and Listener Q&A 12:53

منذ 13 weeks12:53

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12:53

Clinton Wilkins and Dan Ahlstrand are joined again by Manulife's Mario Cloutier. They discuss the types of insurance coverage borrowers should look into as they move through different phases of life. The three also field a range of call-in questions from Mortgage 101 listeners.

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Mortgage 101 - Financial Protection and Mortgage Insurance 10:34

منذ 14 weeks10:34

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10:34

Dan Ahlstrand and Clinton Wilkins are joined by Mario Cloutier, from Manulife, to discuss how to keep your finances protected. Cloutier advises that insurance premiums are often affordable and can be maintained at a fixed rate throughout the mortgage term, recommending both creditor and life insurance for comprehensive protection.…

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Mortgage 101 - Indebtedness and Looking Beyond the Bank Balance 12:19

منذ 14 weeks12:19

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12:19

Clinton Wilkins and Dan Ahlstrand talk about financial literacy, highlighting the importance of understanding finances beyond just bank balances, noting that Canadians are at an all-time high of 180% debt-to-income ratio.

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Mortgage 101 - All About The Income 9:38

منذ 15 weeks9:38

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9:38

Dan Ahlstrand and Clinton Wilkins discuss the changing landscape of income and housing in Nova Scotia. They focus on the recent federal government announcements allowing up to 90% home equity borrowing for secondary suites.

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Mortgage 101 - High Mortgage Ratio Insurance with Chris Johnson 13:19

منذ 16 weeks13:19

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13:19

Chris Johnson from Sagen joins us on Mortgage 101 to discuss the importance of high-ratio mortgage insurance, which allows buyers to access homeownership with as little as 5% down, making it more affordable for Canadians.

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Mortgage 101 - Real Estate Appraisals with Derek Bellefontaine 10:45

منذ 17 weeks10:45

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10:45

Derek Bellefontaine, Real Estate Appraiser, with Mari Tech joins us as our guest to discuss the role of appraisers in valuing homes, which is crucial for purchasing, refinancing, and separations.

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