Last summer, something monumental happened. One of Uncuffed's founding producers, Greg Eskridge, came home after more than 30 years in prison. In this episode we’ll bring you back to that emotional day last summer when he walked out of the San Quentin gates, free at last. Our work in prisons is supported by the California Arts Council, the California Department of Corrections and Rehabilitation, independent foundations, and donations from listeners like you. Learn more, sign up for Uncuffed news, and support the program at www.weareuncuffed.org Follow us @WeAreUncuffed on Instagram and Facebook Transcripts are available within a week of the episode coming out at www.kalw.org/podcast/uncuffed…
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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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Mortgage 101 with Clinton Wilkins & Todd Veinotte
وسم كل الحلقات كغير/(كـ)مشغلة
Manage series 3484554
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.
Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews, is a monthly radio show where the guys discuss everything there is to know about getting a mortgage, as well as answering listener phone-in questions. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca
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160 حلقات
مشاركة
وسم كل الحلقات كغير/(كـ)مشغلة
Manage series 3484554
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.
Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews, is a monthly radio show where the guys discuss everything there is to know about getting a mortgage, as well as answering listener phone-in questions. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca
…
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160 حلقات
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Implications of the Matrimonial Property Act 10:25
10:25 
التشغيل لاحقا 
التشغيل لاحقا 
قوائم 
إعجاب 
احب10:25
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبClinton 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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Financial Literacy in Marriage 13:26
13:26 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب13:26
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبClinton 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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Impact of Tariffs on Mortgage Rates 9:55
9:55 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب9:55
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبThe 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 with Clinton Wilkins & Todd Veinotte
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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Next Steps with Tina Powell (Merry Debtmas 2025) 9:54
9:54 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب9:54
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبTo 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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Getting Out of Trouble with Tina Powell (Merry Debtmas 2025) 13:25
13:25 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب13:25
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبTodd 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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Refinancing, Renewals, and Recent Changes (Merry Debtmas 2025) 10:07
10:07 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب10:07
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبTodd 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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - New Year, Same Expert Advice (Merry Debtmas 2025) 9:18
9:18 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب9:18
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبIt'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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Creditor Insurance and More Listener Q&A 8:45
8:45 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب8:45
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبMario 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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Insurance Coverage Over the Lifespan and Listener Q&A 12:53
12:53 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب12:53
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبClinton 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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Financial Protection and Mortgage Insurance 10:34
10:34 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب10:34
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبDan 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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Indebtedness and Looking Beyond the Bank Balance 12:19
12:19 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب12:19
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبClinton 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 with Clinton Wilkins & Todd Veinotte
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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - High Mortgage Ratio Insurance with Chris Johnson 13:19
13:19 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب13:19
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبChris 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 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Real Estate Appraisals with Derek Bellefontaine 10:45
10:45 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب10:45
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبDerek 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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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - It's Financial Literacy Month! 10:41
10:41 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب10:41
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبSpecial host Dan Ahlstrand joins Clinton Wilkins to kick off Financial Literacy Month, emphasizing education on income, assets, and credit.
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Interest Rate Cuts in 2024 13:21
13:21 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب13:21
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبClinton Wilkins reflects on this year's discussions of the impact of interest rate cuts on consumers, noting that rates have declined by 0.25% and are predicted to reduce further by 125 to 175 basis points by the end of next year. This could potentially bring prime rates to around 4%. Clinton also highlights the importance of being organized and prepared for real estate transactions, emphasizing the need for flexibility and the right professionals.…
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Urban Sprawl and Prefab Homes in 2024's Housing Market Dynamics 10:21
10:21 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب10:21
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبYour host, Clinton Wilkins recaps this year's conversations with Todd Veinotte on the housing market in Halifax. Clinton reminds us of the need for densification due to urban sprawl and limited land availability. In 2024 we have multiple offers, but less frequently as in 2021-2022. Prefabricated homes are considered a potential solution to reduce housing costs, with economies of scale and controlled environments being key. Clinton recaps his conversation earlier this year with local realtor James Dwyer who notes a 20% increase in listings and sales, with entry-level properties remaining competitive.…
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - The Difference Between Qualification and Affordability 11:01
11:01 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب11:01
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبThis recap episode of Mortgage 101 highlights concerns about increasing debt levels in Canada, with Equifax reporting that mortgage holders are missing payments. We look back at one of the show's guests, Sandi Burns, from Manulife Bank, who noted that BMO exited the auto loan industry due to high arrears, predicting a peak in 2025-2026. Many Canadians are refinancing at higher rates due to pandemic-era lows, and retirees on fixed incomes are struggling. Clinton highlights what affordability means in the 2024 housing climate and advises on avoiding unnecessary debt to qualify for a mortgage.…
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Recap of 2024 Real Estate Market Challenges 10:01
10:01 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب10:01
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبIn early 2024, the Ontario real estate market slowed significantly, while Nova Scotia's affordability stood out with an average home price of $500,000 in Halifax. Building costs and labour have surged due to inflation, affecting both new construction and renovations. First-time homebuyers are increasingly opting for starter homes, often in need of repairs. Atlantic Canadians are particularly burdened by debt, with 70% expressing concern about repayment. Despite high interest rates, there's cautious optimism about potential rate reductions, with predictions of a 200 basis point reduction by 2025. The housing market remains a seller's market, with a need for a more diverse inventory.…
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
How affordable is the Nova Scotian market? Real estate is more affordable in Nova Scotia compared to other markets. Clinton and Todd reflect on the challenges of buying starter homes, citing increased property values and stagnant income growth.
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Location, Location, Location 13:20
13:20 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب13:20
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبSo the interest rates are down, and I can finally buy a home - now where do I buy? Clinton and Todd discuss the Halifax housing market and deciding on a location in terms of housing types, commuting and fuel costs, natural disasters, insurance, and the potential for lenders to refuse mortgages in high-risk areas.…
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Bank of Canada Interest Rate Cut 9:47
9:47 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب9:47
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبClinton and Todd discuss the Bank of Canada's recent rate cut of 25 basis points, with predictions of further cuts in October and December, opening up the market for some buyers.
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Making Lending Easy for You 10:20
10:20 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب10:20
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبWith 20 years in the mortgage industry, Clinton Wilkins and his team are undeniable experts, with quality relationships with lenders. Clinton, alongside his co-host Todd Veinotte, chats through why going through a mortgage broker versus a bank may be beneficial for you!
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Housing Starts in Nova Scotia 9:41
9:41 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب9:41
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبAre we building enough new homes in Nova Scotia? Clinton and Todd discuss housing starts, and the Halifax market, focusing on trends in new builds, affordability concerns, and demographic shifts. The two touch on a lack of inventory causing demand crunches and advocate for the need for more housing supply to meet growing demand.…
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - What You Should Know About Your Mortgage Purchase 13:28
13:28 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب13:28
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبDanielle MacLean, Clinton Wilkins, and Todd Veinotte are back to chat more on the financial aspects of real estate transactions, emphasizing the importance of proper disclosures, documentation, and transparency to ensure smooth transactions and avoid potential risks. They cover private sales, transfer taxes, joint ownership, and mortgage transfers, highlighting the need for due diligence and expert advice in navigating complex real estate deals.…
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
1 Mortgage 101 - Real Estate Law 101 with Danielle MacLean 9:47
9:47 التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احب9:47
التشغيل لاحقا التشغيل لاحقا قوائم إعجاب احبExpert and Real Estate Lawyer, Danielle MacLean, from DCL Law joins Todd Veinotte, and Clinton Wilkins to share insights on navigating real estate transactions. They emphasized the importance of education, organization, and flexibility in preventing unexpected problems. They discuss the significance of having the right professionals on your team and being aware of the legal aspects involved in real estate transactions. By prioritizing these factors, individuals can successfully navigate the transaction process and avoid potential pitfalls.…
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
Yet another Bank of Canada interest rate update means that Clinton Wilkins and Todd Veinotte are at the Mortgage 101 table to discuss what this means for Nova Scotians. They also get into the challenges of managing mortgage debt in a rising interest rate environment, and highlight the risks of negative amortization and the importance of proactively refinancing mortgages to avoid significant payment increases.…
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
Would you bet your house you know exactly what's happening with your credit? In this episode, Clinton and Todd emphasized the importance of monitoring credit reports, correcting errors, and being cautious when sharing credit card information online.
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Mortgage 101 with Clinton Wilkins & Todd Veinotte
Blair Patterson joins your Mortgage 101 hosts once again to continue the conversation of pride in homeownership for Pride Month in Halifax! The three of them emphasize the need for support and resources to help members of the queer community fulfill their dream of homeownership.
مرحبًا بك في مشغل أف ام!
يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.
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