The Terms Of Your Surrender focuses on empowering, encouraging, and edifying believers to do justly, love mercy, and walk humbly with thy God (Micah 6:8).
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Nick & 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. Together with their team they've now worked on thousands of investments and over a billion dollars of income properties in Canada. On this show they chat real esta ...
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Embark on a hilarious, heart-pounding, and utterly relatable journey with hosts Amra and Lauren as they navigate the ups and downs (literally!) of life and the world of rock climbing. From epic fails to major victories, life lessons to laugh-out-loud moments - each episode blends humor and heart as the hosts share their unfiltered experiences from on and off the wall. Whether you're a seasoned adventurer, a climbing newbie, or simply looking for a good laugh and some valuable life insights, ...
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I'm a work in progress and so is everyone else. We can't make informed decisions without having accurate and understandable information. Join me as I explain how all the stuff going on in the world affects you. I'll be breaking down the news "In the Simplest of Terms" so you can get informed, speak up, and speak out!
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This 14-part original series from LWC Studios explores how reparations should be paid and to whom. For all episodes, transcripts and supplemental materials visit StillPayingThePricePod.com. This series was funded by a grant from The John D. and Catherine T. MacArthur Foundation. Cover art: "Gemini" by Fitgi Saint-Louis
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Make money on your terms is a movement. Its giving you the power to not just think outside the box, but to create your own. The internet has changed the way several people just like you can earn and learn. A job is no longer the only way to make a living so we share with you alternative ways. This show gives you permission to take a different path in life - it gives you permission to think differently and act differently to make money on your terms. It busts the myth of "go to school, get go ...
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Welcome to ”The Shift” – the podcast that empowers you to make a change in your life and chase your dreams with passion and purpose! If you are tired of feeling stuck in a life that doesn’t fulfill you, if you have big dreams and ambitions but struggle to turn them into reality, If you want to break free from self-doubt and limited beliefs, join us every week to listen to inspiring stories from regular people just like you, actionable insights, and the motivation you need to make the shift t ...
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Tim Hong - Buying Businesses, Building Businesses & Creating a Property Management Empire
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56:22In this episode, we bring our team member Tim Hong to talk about his journey in business and how he is focused on building his Property Management Company - KTProperty.ca
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The Truth About Real Estate, Private Lending & Building Wealth in Canada with Lorenzo Podda
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1:14:04From growing up in a real estate-investing family to building a career in mortgages and financing, Lorenzo Podda has seen it all. In this episode, we dive into his journey—from tagging along on rental property visits as a kid to launching his own student rental business in university, and eventually joining one of Canada’s top mortgage brokerages. …
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From Struggling Single Mom to World-Traveling Investor: Coach Sonja Skye’s Inspiring Journey
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43:11Sonja Skye’s journey is nothing short of inspirational. As a single mother of three young daughters, she was faced with overwhelming challenges but refused to give up. On this episode of The Your Life Your Terms Show, Sonja shares her incredible transformation—from discovering real estate investing and joining Rock Star as a member to building a po…
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Investing Insights From a Value Focused Portfolio Manager In Today's Inflation and Technology Based World with Sean Moir
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1:38:37Sean is a portfolio manager focused on the Warren Buffet principles of value investing. We discuss his capital allocation approach, what inflation really means, how technology is changing the investment game & what he thinks the biggest thing which separates the financial position of Canadians is. He's had a track record of success for his clients …
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Tom & Nick Karadza - U.S. Tariffs, Canadian Economy & A Bitcoin Real Estate Asset Strategy
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1:10:04On this episode of The Your Life! Your Terms! Show Tom & Nick sit down to take a look at what's happening in the economy, and how U.S. tariffs could/will impact Canadians. Plus, they break down the Bitcoin Real Asset Strategy "BREAS". This is just a taste of what we'll be covering on April 12 at The Your Life. Your Terms. Event. Full event details …
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Tomer Strolight - Bitcoin: The Money That Takes Care of You
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1:29:25On this episode of The Your Life! Your Terms! Show we chat with Tomer Strolight about Bitcoin and how it's become a trustless system for a more just world. You can find Tomer's amazing, in-depth, thought-provoking articles on Medium: https://tomerstrolight.medium.com/deep-takes-on-bitcoin-e210b861c01b and on Bitcoin Magazine's website here: https:/…
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Why Your Degree Won’t Save You: Financial Lessons for Healthcare Pros with Robin Valadares
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1:03:38In this episode of The Your Life. Your Terms. Show, we sit down with Robin Valadares from Financially Fulfilled Physio to discuss why financial education is crucial for physiotherapists and other private healthcare workers. Robin shares his step-by-step approach to guiding clients toward financial freedom and independence. We also explore the curre…
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Carlos Rodrigues - Cash Flow Investing in Ohio: Property Types, Financing & Lessons Learned
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1:14:21Carlos Rodrigues is an experienced real estate investor from Canada who now focuses exclusively on the U.S. market, Cleveland specifically. On this episode of the Your Life! Your Terms! Show we go through his journey, lessons learned, successes and more. He occasionally does small tours with investors down into Ohio to share what he's learned. You …
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The World’s Biggest Scam with Nathan Fitzsimmons: Bitcoin, Real Estate, and Fighting Back
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1:15:06In this episode of The Your Life! Your Terms! Show, we chat with Nathan Fitzsimmons, founder of The Bitcoin Mentor, about how Bitcoin restores hope, optimism, and long-term thinking while challenging the fiat system’s nihilism. We cover real estate fundamentals, combining Bitcoin and real estate, the decline in first-world living standards, Canadia…
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Daniel Foch on the Biggest Opportunity in Canadian Real Estate Investing Right Now
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1:02:57In this episode of The Your Life. Your Terms. Show, we sit down with Canadian Real Estate Investor podcast co-host Daniel Foch to break down the biggest real estate opportunities in Canada today. We discuss the "missing middle," infill development, how to outcompete big condo developers, and why municipalities are making it easier to build. Daniel …
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Building a Family Legacy Through Real Estate: Ian & Stevie Folkes' Inspiring Story
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1:20:53Ian and Stevie Folkes began their real estate journey in their 40s as busy parents of four, struggling to save after covering the bills. Over the years, they’ve built and managed an impressive portfolio, including rent-to-owns, student rentals, long-term holds, cottages, and even a Costa Rica vacation property. While they’ve sold many properties, t…
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Canada's Two Economies, What Seperates Them and How People Are Managing Their Way Through with Douglas Hoyes
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1:00:53In this episode of The Your Life! Your Terms! Show, we chat with Douglas Hoyes a licensed Insolvency Trustee. He's been working with Canadians who are restructuring debt for decades and has seen multiple economic cycles good and bad. We wanted to check in on what he's seeing these days, how Canadians are navigating the current economy and some comm…
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Rock Star LIVE Ep. 1 - 2025 Forecasts, Real Estate Data & The Canadian Dollar
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1:04:35Welcome to Rock Star LIVE: Episode 1! Join us for the debut episode of Rock Star Live, where we dive into all things real estate, investing, Canada, and living life on your terms. In today's episode, we go over Canadian interest rate predictions, the latest Ontario real estate data, Trump, the Canadian dollar and Bitcoin! Credit to Ben Rabidoux for…
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Leaving the 9-to-5 Behind: Mike Dougherty’s Move to Regenerative Farming and a Life on His Terms
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1:10:15In this episode of The Your Life. Your Terms. Show, we sit down with Mike Dougherty, founder of Wild Meadows Farm, to discuss his inspiring journey of quitting his corporate job to start a regenerative farming business. With distribution across Southern Ontario and an eCommerce storefront, Mike shares his passion for raising healthy animals and how…
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Secure Your Financial Freedom with Bitcoin: Self-Custody Tips & Best Practices with @HodlDee from CoinKite
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1:34:03In this episode, we’re joined by @HodlDee from CoinKite, the makers of the popular Coldcard hardware wallets, to explore how to secure your financial freedom using Bitcoin properly. We dive into the importance of self-custody, why CoinKite wallets are a safer alternative to devices like Ledger, and the best practices for buying and securely storing…
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Tom & Nick Karadza - Why Marketing Skills Are Key To Achieving Total Freedom
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1:15:13Whether you're marketing yourself, your properties, or your business the tactics you use make a world of difference. On this episode of The Your Life! Your Terms! Show Tom and Nick sit down to talk about the exact marketing skills and systems you need to get customers to show up. We dive into the metrics we look at, our mindset around marketing, an…
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Adam & Cole - The Easy Way to Start Accepting Bitcoin Lightning Payments
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1:07:08These two gentlemen have a passion for Bitcoin that seems boundless. On this episode of The Your Life! Your Terms! Show we chat with Adam and Cole to discuss Coinos. They have set up an application easy enough for merchants who are not very familiar with Bitcoin to begin easily accepting payments. You can learn more by visiting their site coinos.io…
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Aidan Karadza - The Gen Z Take on Social Media, Bitcoin, Real Estate & Canada's Future
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1:15:06On this episode of The Your Life! Your Terms! Show we chat with Tom's son, Aidan Karadza, about life, finishing University and entering the workforce. Generation Z has a unique opportunity to leverage Bitcoin, technology and productivity gains to unleash a bright future. We also discuss real estate, student rentals, University education and social …
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Orange Bridge - U.S. Bitcoin-backed Mortgages & Real Estate Services
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1:01:07On this episode of The Your Life! Your Terms! Show we get to know the team at Orange Bridge to learn how they are merging Bitcoin and the world of real estate. On this episode we discuss U.S. Bitcoin-backed mortgages and financial services for real estate. You can learn more by visiting their site OrangeBridge.com…
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Bram Kanstein - What Bitcoin Means to Millennials, Their Future & Their Money
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1:01:40Bram Kanstein hosts a great podcast, Bitcoin for Millennials, where he does a great job discussing economics, finance and what the future holds for all of us. On this episode of The Your Life! Your Terms! Show we get Bram's views on Bitcoin, where does it go next, the principles he lives by, his new role @onrampbitcoin and more. You can find Bram o…
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What Your Doctor Isn’t Telling You About Peak Performance with Dr. Callum Cowan
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1:01:58Join Tom and Dr. Cowan from Phenom High Performance Medicine as they dive into the science of feeling, looking, and performing your best. With expert insights on scientific testing, personalized diets, powerful tools, and transformative lifestyle changes, they’ll show you how to unlock your body's full potential. Discover why "most people have no i…
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Mark Jeftovic - Will Canada See Central Bank Digital Currencies Soon?
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1:24:14Mark Jeftovic is the publisher of the Bitcoin Capitalist newsletter, operations BombThrower.com and is the founder of one of Canada's oldest Internet technology companies, EasyDNS.com. On this episode of The Your Life! Your Terms! Show we catch up with Mark on a variety of topics including getting his latest thoughts on Canada and the possibility o…
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Dave Jurinic - Best Practices for Investors Working With Contractors
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1:19:51Some of the most common questions investors have are around working with contractors. They've seen the results of selecting a bad one. Whether it's budget overruns, trashed timelines, or outright ripoffs, there are a lot of horror stories out there. Dave Jurinic is the owner of Toronto Customs Concepts, and a friend who we've invested and done busi…
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From Dragons' Den to Florida Living: How David Fraser Built Bunkie Life on His Terms
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1:29:25On this episode of The Your Life. Your Terms. Show, I sit down with David Fraser, the guy behind Bunkie Life, to hear how he turned a Dragons' Den appearance into serious momentum for his business. We talk about how he’s scaled Bunkie Life, his unique approach to investing (including balancing Bitcoin with business growth), and how he’s created a l…
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Living Simply & Investing Smart Insights on Ontario's Rental Market with Hart Togman
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1:22:00Hart Togman is an interesting dude. He climbs mountains for charity, dreams of simpler living for society, and knows a ton about the Ontario rental market. He's the perfect guy to get insights from on a podcast all about living life on your terms. Tune in to hear how the rental market is faring, where he sees the opportunities for investing in Onta…
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MADEX - Creativity Will Return In Its Highest Form on a Bitcoin Standard
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1:08:03MADEX is the Creative Director at Bull Bitcoin and creates wonderful pieces of physical art in the real world. On this episode of The Your Life! Your Terms! Show MADEX shares his views on Canada, money and where we're all headed on a Bitcoin standard. You can learn more about him on X.com @SPACEBULL or by visiting Madex.art…
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Daniel Foch - Canada Will Rise From The Ashes and Prosper
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1:32:36Daniel Foch is back to discuss what's going on right now with Canada's economy, housing, interest rates, debt load and overall future. On this episode of The Your Life! Your Terms! Show we catch up with Daniel for his take on where this country is headed ... and overall, he's positive about our future!! You can learn more about Daniel on X.com @Dan…
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Canada's Breaking Economy, Trumps Win & Bitcoin Soars with Tom & Nick Karadza
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1:09:14In this episode of the Your Life! Your Terms! Show, Tom and Nick debate Canada’s leaky banking system, what Trump’s victory means for Canada, holiday GST cuts, government handouts, real estate insights, and Bitcoin skyrocketing!Av Tom Karadza & Nick Karadza
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Dr. Pete Angerilli - How Chiropractors Help Achieve Optimal Human Performance
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1:08:23Dr. Pete Angerilli has been helping us maintain our performance and our mobility. On this episode of The Your Life! Your Terms! Show we discuss the human spine, the nervous system, recovery and how to remain active as we age. You can learn more about Dr. Pete by visiting ClearViewChiropractic.ca or you can find him on Instagram @DrPeteChiro…
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Rajat Soni - Why Bitcoin is the Apex Predator Asset in Modern Finance
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1:07:57Rajat Soni actively shares his views on Bitcoin on X.com @RajatSoniFnance and has made an impression on people quickly with his no-hold-barred approach. On this episode of The Your Life! Your Terms! Show we discuss his journey to discovering Bitcoin, when he decided to go "all in" and what he thinks of Bitcoin's future in finance. Enjoy the show!…
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Richard Dias - Canada Has Huge Economic Potential with Better Energy Policies
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1:18:48Richard Dias is an economic analyst with Ice Cap Asset Management and does a great job of plainly laying out complicated data. On this episode of The Your Life! Your Terms! Show we dive into energy policy, the Canadian dollar and Canada's fiscal situation. You can learn more about Richard on X.com @RichardDias_CFA, or as one of the hosts of TheLoon…
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Jayson Lowe Infinite Banking - A Look At Replacing The Banks In Your Life
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1:18:20Jayson Lowe is CEO of Ascendant Financial which focuses on working with people to implement the Infinite Banking process through specific life insurance policies. It's a topic that can come up in financial and insurance circles and often leads to questions or differing opinions. As an industry leader in the space, we cover some of those things with…
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Mastering Bitcoin: A Technical Masterclass with Nathan Fitzsimmons from The Bitcoin Mentor
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1:32:06Join us for a deep dive into Bitcoin's technicalities to understand how Bitcoin works at a much deeper level. Learn the best practices for self-custody and protecting your Bitcoin, from beginner to advanced techniques. Nathan is a Bitcoin Mentor, helping Canadians master this new technology and take sovereign control over their wealth. Become your …
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Building a Transparent Rental Market: Insights from Weiting Bollu of OpenRoom.ca
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1:02:18OpenRoom.ca is a game-changer. It's the first website in Canada to allow open crowdsourcing for tenants and landlords to post court orders from the landlord-tenant boards across Canada. This is a game-changer for tenant screening, allowing you to search tenant names to see if they have any court orders against them. In addition, you can use their r…
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Larry Lepard - Bitcoin Disrupting Wall Street & Michael Saylor's Future
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1:14:54Larry Lepard is an absolute treasure trove of excellent economic insights. On this episode of The Your Life! Your Terms! Show we get Larry's thoughts on gold, Bitcoin, Microstrategy and Michael Saylor's future. We also discuss how energy trends and A.I. are set to produce a monumental change in power dynamics globally. You can learn more about Larr…
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Tyler Sikura - From Professional Hockey To Investing In Real Estate & Bitcoin
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1:07:28Tyler Sikura is an inspiration. He committed years of his life to hockey and somehow still managed to have the time to take care of his health, invest in real estate and jump down the Bitcoin rabbit hole. On this episode of The Your Life! Your Terms! Show we discuss his journey, lessons learned and where he's headed next! These are the episodes tha…
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An Insider Look At Custom Home Building And Pricing With Eddie Jurinic And Justin Pellicciotta
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1:04:44Eddie Jurinic and Justin Pellicciotta from Pine Glen Homes sat down with us for this episode. Eddie was around early in our investing days, and we had a good laugh looking back at some of the ridiculous things investors do to build momentum. And that's exactly what he and his business partner Justin have done. Expanding into custom home building an…
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Episode #24 - Plumbing to Prosperity: Navigating the Waters of Real Estate
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47:28Jeremiah Benson, a former commercial plumber turned real estate investor, shared his inspiring journey on a podcast, explaining how he transitioned from a traditional W-2 career to entrepreneurship. Raised in a blue-collar family, Jeremiah spent 16 years in the plumbing industry, gradually realizing he wanted more from life than the daily grind. Mo…
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Pierre-Paul Turgeon - Funding Potential Canadian Housing Solutions
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1:09:32As a past CMHC underwriter Pierre-Paul Turgeon always brings some perspective to Canadian housing through the multi-unit space. On this episode we speak about a funding option geared towards apartment construction, where the current state of the housing market has us headed, and what it means for the options our kids have in the future.…
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Florida Investing & Educating the Next Generation - Jim and Jamie Sheils
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1:10:28Jim and Jamie Sheils really cover a lot of ground. Together they have multiple business all geared towards our favorite thing, helping people live life on their terms. With SI Homes they create turn key Build To Rent solutions for real estate investors. While also holding retreats for entrepreneurs and their families to focus on relationships and b…
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The Self Funding House: Making The Dream Of Home Ownership A Reality Again
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1:04:02It's no secret that buying a home feels out of reach for many people, especially today's youth when they compare prices now to past ones. Rod Schulhauser co-authored "The Self Funding House" for exactly that reason. To help people look at home ownership a different way while also opening up the possibllity to many who may have not been able to affo…
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Nick Hill - The Investing Opportunities For Millennials & The Rest Of Us
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1:13:22Nick Hill is co-host of the super popular podcast, The Canadian Real Estate Investor, with Daniel Foch. On this episode of The Your Life! Your Terms! Show we discuss how young investors can tap into the long-distance investing opportunity that is ripe in Canada. You can learn more about Nick's work, consulting, education and more by visiting Realis…
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Brad Pickering - Designing Your Unique Life's Journey Writing, Real Estate & Bitcoin!
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1:24:41Brad Pickering is intentional about his life's choices and it's benefitting him in many ways. A father, husband, adventurer, entrepreneur, real estate investor, Bitcoiner ... he's fearless in his approach to living. On this episode of The Your Life! Your Terms! Show we get to know Brad and some of his philosophies on life. You can find his writings…
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Why Planning Your Retirement is Next To Impossible Right Now with Tom & Nick Karadza
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1:05:02How does one retire in 2024? With interest rates up, down, and all over the place, inflation ripping, the government and its media lying to us, AI threatening to take away millions of jobs, big data and big tech powering ahead, uncertainty in the real estate market, the new asset class of Bitcoin, and Canada's decline as a desirable country, the fu…
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Minimalism Unleashed How Simplifying Can Set You Free With The Millennial Minimalists
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1:40:05The Millennial Minimalists Podcast co-hosts are back to help YLYT listeners simplify their lives! Kelly Foss and Lauren Morley joined us to discuss the concept of minimalism, the benefits of simplifying your life, and how adopting minimalism can help you live life on your terms. These concepts help free up your time, focus and space to allow for ne…
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Zac Guignard - Why Privacy Matters For Human Rights & How To Protect Yours Online
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58:21Zac Guignard writes the Financial Freedom Report at the Human Rights Foundation and is wise well beyond his years. On this episode of The Your Life! Your Terms! Show we discuss the upcoming LearningBitcoin.ca event, why he thinks Bitcoin is important for human rights, protecting yourself online and the tools to help you do so. You can find Zac on o…
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Adam Niman - Leveraging Insurance Policies For Tax Free Access To Capital
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1:19:00Adam Niman isn't shy to share his opinions and that's what makes him such a great guest. On this episode of The Your Life! Your Terms! Show we get Adam's latest thoughts on participating life insurance policies, real estate, private lending, health benefits plans and more! You can find a copy of his book on insurance title, Fortune or Fiction: Why …
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Helping Men Overcome Porn Addiction And Become The Best Version Of Themselves With Sathiya Sam
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2:03:49Rock Star VIP Member Sathiya Sam has an incredible story of creating his life on his terms by helping other men overcome pornography addiction. Wait until you hear the statistics in this episode of how pervasive and damaging porn can be... Sathiya has created a purposeful online coaching business to tackle these issues and help men become the best …
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Preston Pysh - Bitcoin Destroys All Financial Models & Reprices The World
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1:17:57Preston Pysh is the founder of The Investors Podcast, a huge podcast on global finance, he's an ex-helicopter attack pilot, a former PM at the US Department of Defence, a West Point graduate, an aerospace engineer and currently a general partner at Ego Death Capital. On this episode of The Your Life! Your Terms! Show we discuss how Bitcoin is makin…
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Marco Albanese - Moving To Italy, Coming Home & Diving Into The Real Estate Game
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1:41:18Marco Albanese is full of passion. No matter what he is discussing, his positive energy will rub off on you. On this episode of The Your Life! Your Terms! Show Marco shares how he moved to Florence, lived there for 7 years, came home and decided to jump into real estate. He's now a super active mortgage agent and breaks down numbers, rates and real…
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