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National Geographic photographer and conservationist Jaime Rojo has spent decades capturing the beauty and fragility of the monarch butterfly. Their epic migration is one of nature’s most breathtaking spectacles, but their survival is under threat. In this episode, Jaime shares how his passion for photography and conservation led him to document the monarchs’ journey. He and host Brian Lowery discuss the deeper story behind his award-winning images, one about resilience, connection, and the urgent need to protect our natural world. See Jaime's story on the monarch butterflies at his website: rojovisuals.com , and follow Brian Lowery at knowwhatyousee.com .…
Conteúdo fornecido por Brianna Goslin. Todo o conteúdo do podcast, incluindo episódios, gráficos e descrições de podcast, é carregado e fornecido diretamente por Brianna Goslin ou por seu parceiro de plataforma de podcast. Se você acredita que alguém está usando seu trabalho protegido por direitos autorais sem sua permissão, siga o processo descrito aqui https://pt.player.fm/legal.
Mortgage agent and Educator Brianna Goslin examines the barriers to homeownership that exist for Canadian first-time homebuyers and provides actionable advice. Learn from industry professionals, affordable housing advocates, change-makers and first-time homebuyers who were just like you.
Conteúdo fornecido por Brianna Goslin. Todo o conteúdo do podcast, incluindo episódios, gráficos e descrições de podcast, é carregado e fornecido diretamente por Brianna Goslin ou por seu parceiro de plataforma de podcast. Se você acredita que alguém está usando seu trabalho protegido por direitos autorais sem sua permissão, siga o processo descrito aqui https://pt.player.fm/legal.
Mortgage agent and Educator Brianna Goslin examines the barriers to homeownership that exist for Canadian first-time homebuyers and provides actionable advice. Learn from industry professionals, affordable housing advocates, change-makers and first-time homebuyers who were just like you.
In this episode of Homeowner AF , I sit down with Scott McEachern, a Certified Financial Planner based in Barrie, Ontario. Scott specializes in helping families make smart financial decisions, from securing the right life insurance to planning for their biggest financial goals like becoming debt-free, saving for their kids’ education, or buying their first home. Together, we dive into the First Home Savings Account (FHSA) — a game-changing tool for first-time homebuyers in Canada. What You’ll Learn in This Episode: What is the FHSA? Scott breaks down how the FHSA compares to other popular savings options like RRSPs and TFSAs, explaining why it’s a must-know for first-time homebuyers. Eligibility Criteria for the FHSA: We cover who qualifies as a "first-time homebuyer" and the steps to open this account. Where to Open an FHSA: Scott shares tips on where Canadians can access the FHSA — whether it’s through the big five banks or alternative financial institutions. Contribution Limits and Carry-Forward Rules: Learn about the annual and lifetime contribution limits for the FHSA and how unused room can be carried forward. Tax Advantages of the FHSA: Scott explains how FHSA contributions impact your taxable income and how they can be used as tax deductions. Strategies for First-Time Homebuyers: Discover actionable tips to maximize your FHSA and reach your savings goals faster. Risks and Limitations: We discuss potential risks or limitations of investing within the FHSA compared to other accounts. What Happens If You Don’t Buy a Home? Find out how unused FHSA funds can be transferred or repurposed without penalties. Connect with Scott McEachern: Instagram: @scmceachern Website: https://www.mceachernfinancial.ca/…
Brianna is back with timely information for Canadian First Time Homebuyers: Coming into effect December 14, 2024, first-time buyers in Canada will have access to 30-year amortizations on insured mortgages. Also released were details about the insured mortgage cap which is now $1.5 MM compared to the previous $1MM maximum purchase price. Listen in to find out what these new regulations mean for you as a borrower and what to keep in mind if you are hoping to take advantage of these new opportunities in the market. Questions? Connect with Brianna: via email: hello@briannagoslinmortgages.com on Instagram: @briannagoslinmortgages.com Check out Brianna's website: briannagoslinmortgages.com…
Are you making the minimum payments on time, on all your debts, but still seeing your credit score decline? You might be using too much credit. In today's episode, Brianna talks about credit utilization. She discusses: Credit utilization: What it is How it's measured What to do if your credit utilization is too high Resources: More about credit utilization: https://www.equifax.com/personal/education/debt-management/articles/-/learn/credit- utilization-ratio/ Use Brianna's Mortgage Calculator to estimate your payments: https://gopineapple.ca/briannagoslin/mortgage-calculator Connect with Brianna: Instagram: @briannagoslinmortgages Email: briannagoslin@gopineapple.com If you enjoyed this episode, please leave a review on your favourite podcast platform. Your feedback helps us reach more listeners like you!…
In this week's episode, Brianna and Alex, a fellow mortgage agent, chat about timely topics affecting mortgage holders and homebuyers in the Spring of 2024. Connect with Alex Instagram @Alex_Mohr Connect with Brianna: Instagram: @briannagoslinmortgages Email: briannagoslin@gopineapple.com If you enjoyed this episode, please leave a review on your favourite podcast platform. Your feedback helps us reach more listeners like you!…
In this episode, discover the benefits of working with a mortgage agent for Canadian first-time homebuyers. Learn why rate shopping without guidance is unwise and explore: Why a mortgage agent is essential for your credit: Understand the pivotal role of a mortgage agent in safeguarding and optimizing your credit score. The value of post-close support: Delve into the importance of access to support post-close and beyond for first-time homebuyers, and how a mortgage agent provides ongoing assistance. Saving time and money: Learn how partnering with a mortgage agent can streamline the homebuying process, ultimately saving you both time and money. Resources: Use Brianna's Mortgage Calculator to estimate your payments: https://gopineapple.ca/briannagoslin/mortgage-calculator Connect with Brianna: Instagram: @briannagoslinmortgages Email: briannagoslin@gopineapple.com If you enjoyed this episode, please leave a review on your favourite podcast platform. Your feedback helps us reach more listeners like you!…
Congratulations! You've saved your downpayment, and you're ready to buy... but how much more cash will you need to close on your first home purchase? Listen in to learn: How to determine your minimum downpayment amount How to calculate your closing costs How much cash you need to close your first purchase Resources: Check out this minimum downpayment calculator: https://www.ratehub.ca/mortgage-down-payment Check out my mortgage calculator: https://gopineapple.ca/briannagoslin/mortgage-calculator Questions? Connect with Brianna on Instagram @briannagoslinmortgages Send Brianna an email: briannagoslin@gopineapple.com…
Fixed or variable rate mortgage in 2024? Which one is right for you? In today's episode, Brianna explains: how the fixed interest rate is determined how the variable interest rate is determined pros and cons of each mortgage product PLUS Which mortgage product first time homebuyers are choosing most often in March 2024. Questions? Connect with Brianna on Instagram @briannagoslinmortgages Send Brianna an email: briannagoslin@gopineapple.com…
Did you know that what you qualify for, may not be what you can actually afford? Listen in to learn more. Connect with Brianna on Instagram @briannagoslinmortgages Send Brianna an email: briannagoslin@gopineapple.com Learn more about minimum downpayment requirements: https://podcasts.apple.com/ca/podcast/talk-downpayment-to-me/id1670967579?i=1000608577670…
2023 was a rough year for first-time home buyers, yet most of my clients were first-time buyers! Curious about how they did it? My buyers leveraged: Gifted Downpayment The Canadian Homebuyer's Plan and The First Home Savings Account Cosigners and Guarantors Want to get started? Reach out at briannagoslin@gopineapple.com to start your pre-approval or head to my website: https://gopineapple.ca/briannagoslin Do you have questions you'd like answered on the pod? Reach out to Brianna on Instagram @Briannagoslinmortgages…
You've gone house hunting, you've found " The One", you've submitted your offer and finally, OFFER ACCEPTED! But what's next? Listen in to learn: What happens before fulfilling the condition of financing What a lender is looking at during the condition of financing Why you may still need to submit documents to your mortgage professional at this time How much you should save for closing costs How Brianna works with First Time Homebuyers Do you have questions you'd like answered on the pod? Reach out to Brianna on Instagram @Briannagoslinmortgages Listen to Melissa Douglas's episode explaining "What Happens At The Lawyer's Office?" Here: https://podcasts.apple.com/ca/podcast/the-homebuying-series-what-happens-at-the-lawyers/id1670967579?i=1000637627716…
In this timely episode, Brianna talks about the role of proper pre-approval in the first homebuying process as it pertains to the Spring 2023 market. Listen in to learn: What's going on in the Real Estate Market right now The offer process How to prepare for a multiple-offer situation How Brianna works with First Time Homebuyers, (AND gives them a competitive edge in multiple offer situations) Do you have questions you'd like answered on the pod? Reach out to Brianna on Instagram @Briannagoslinmortgages…
Emily Cerilli aka @sudburyrealtor.emily, visits the pod to chat: The Sudbury, Ontario market and the opportunities that exist in the Northern community HOUSE HACKING: What it is, and why you should explore this opportunity to add income to your mortgage application and get into the market quicker. Cochrane’s $10.00 building lot offering First-time homebuyer mindset connect with Emily on Instagram @sudburyrealtor.emily connect with Brianna on Instagram @briannagoslinmortgages…
Lesli Gaynor and Parimal Gosai, realtors and creators of the Husmates app, drop in to chat: the benefits of co-ownership and the diverse opportunities that open up with this model of homebuying how it works and where to start What’s next for Husmates and what we need now in Canada to promote more affordable housing Check out Husmates: https://www.husmates.com/ Connect with Parimal @parimalgosai on Instagram Connect with Lesli @gaynorlesli on Instagram Connect with Brianna @briannagoslinmortgages on Instagram https://www.instagram.com/briannagoslinmortgages/…
Suzy Fernandes-Arruda, BDM at Home Equity Bank (Home of the CHIP Reverse Mortgage), chats with Brianna about reverse mortgages, myths and false impressions, and how to accelerate your home ownership journey with a little help. Learn more about CHIP Reverse Mortgage here: https://www.chip.ca/ Check out the Reverse Mortgage Calculator here: https://www.chip.ca/reverse-mortgage-calculators/ Connect with Brianna @briannagoslinmortgages on Instagram https://www.instagram.com/briannagoslinmortgages/ https://maps.app.goo.gl/bRnx3wjPmw4ybLVz9…
Brianna chats with Nicole Montgomery @raddestrealtor about first time buying, and what’s happening RIGHT NOW in the Canadian real estate market. Listen in for: Nicole’s home ownership story Why you should be tracking BOTH data and consumer sentiment while preparing for a first home purchase Which numbers actually matter to first-time buyers Setting realistic expectations for a home purchase EQUITY: What it is, Why it matters, and how you can leverage it in the future Connect with Nicole @raddestrealtor on Instagram https://www.instagram.com/raddestrealtor/ Connect with Brianna @briannagoslinmortgages on Instagram https://www.instagram.com/briannagoslinmortgages/…
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