beyond MD with Dr. Yatin Chadha

• Ep #93 - An Update on Traveling the World by Optimizing Credit Card Rewards with Dr. Benjamin Hutten-Czapski, founder of Rewards MD

  Today I'm thrilled to welcome Dr. Benjamin Hutten-Czapski, founder of Rewards MD to discuss a topic that can benefit each and every one of us......traveling the world by paying less through optimizing credit card rewards.You will want to listen to the end. Key links are at the bottom.Discussion Points:- introduction (2:18)- Rewards MD & how it's different (5:44)- what makes a good keeper credit card? (7:55)- a summary of the various ecosystems (10:18)- Amex platinum: worth it? (13:48)- A framework for accumulating points (16:53)- sign up bonuses (23:12)- cards for sustainable point earning in Canada (27:27)- Visa infinite vs. privilege - key considerations (30:50)- aeroplan e-store optimization (33:38)- Aeorplan status - why is this significant? (37:55)- Paying taxes with credit cards (40:20)- Amex business gold benefits (44:16)- Risks of audits? (46:25)- Chexy - pay taxes, rent, utilities (48:41)- How to handle lump sum expenses (51:00)- Approach to redeeming points (53:06)- Building the ideal credit card wallet (57:45)- Closing thoughts (59:50)Dr. Benjamin Hutten-Czapski: www.rewardsmd.ca consultations  PointsYeahhttp://chexy.co/[email protected] Dr. Yatin [email protected] LinkedIn: Yatin ChadhaAmex referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

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• Ep #92: Why Contributing to the Canada Pension Plan (CPP) is a Good Idea - with Jason Yee, CFA

  Welcome back to a second episode on the Canada Pension Plan (CPP).My guest is Jason Yee, a true CPP ninja. Jason guides us through CPP and its 2019 & 2024 enhancements to outline the key features of the plan & helps us understand what we will get from it in the future.Discussion Points:Jason's background (2:43)CPP basics (5:05)Key features of CPP (6:27)Why is CPP so polarising? (9:26)What determines what we will get out of CPP? (11:32)CPP enhancements: why & how do they help us? (13:21)What about years of lumpy/low income? (17:32)Considerations for when to start CPP (21:36)CPP payout scenarios (23:16)Take home points for the busy professional (26:16)Closing thoughts (28:05)Jason Yee:Contact:  [email protected] website:  https://finepointsolutions.ca/All our CPP ideas & resources:  https://finepointsolutions.ca/ideas-resources/LinkedIn:  https://www.linkedin.com/in/yee/YouTube channel:  https://www.youtube.com/channel/UCwuA3EIkAUT1xIPy3lqJwPgYatin Chadha:Email: [email protected] LinkedIn: Yatin ChadhaHow to support beyond MD:connect with me on LinkedIn: Yatin Chadhacredit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&CPID=100373056

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• Ep #91 - Dissecting Immediate Financing Arrangements (IFAs) with Promod & Jeevan Sharma

  Today I welcome Promod Sharma & Jeevan Sharma to the show to discuss the immediate financing arrangement (IFA).Promod (actuary) & Jeevan (CFP) specialize in helping high-net-worth individuals & tackling their unique situations beyond basic insurance coverage. Discussion Points:What is an IFA? (2:17)Whole life (WL) vs Universal life (UL) - which is more suitable for an IFA? (3:41)What is the cash surrender value (CSW)? (7:35)How can policies be structured to allow for IFAs...Important (9:30)Who could benefit from an IFA? (16:55)IFA mechanism: - policy as collateral (23:23)- how large can the loan be? (24:42)- lenders (26:32)- personal vs corporate loans (27:57)- loan rates (30:58)- guarantee fees (31:35)Does IFA impact policy growth? (33:34)Using policy as collateral vs directly borrowing from the policy (34:20)How are IFAs tax efficient? (36:34)Loophole? (42:34)Fees (44:55)Ways to pay off the loan (45:44)Permanent life & IFA checklist - Important (46:25)When not to pursue an IFA (50:56)IFA risks (53:09)--------------------------------------------------------------------------------------------------------------This episode features Arya EHR - https://www.aryaehr.com/**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcastPromod Sharma & Jeevan Sharma:https://taxevity.com/[email protected]@taxevity.comhttps://www.linkedin.com/in/promod/https://www.linkedin.com/in/jeevanksharma/Yatin Chadha:Email: [email protected] LinkedIn: Yatin Chadha

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• Ep #90 - Kids hold the secret to a happier & richer life - with Dr. Hasan Merali

  Sometimes the answers are right in front of us. My guest today is Dr. Hasan Merali, MD MPH, author of Sleep Well, Take Risks, & Squish the Peas.We both believe kids hold the secret to a happier & richer life. Today, Hasan provides stories & evidence from the science of toddlers to back this up. He also discusses how we can incorporate certain practices into our day-to-day routines.Discussion Points:Hasan's introduction (2:40)Benefits of training in different places (4:10)How Hasan became fascinated with the science of toddlers (5:45)The difference between a toddler & adult brain (7:50)Toddler lesson #1: bedtime routines (9:35)Toddler lesson #2: giving (13:05)Toddler lesson #3: laughter (16:30)Toddler lesson #4: positive self talk (22:34)Toddler lesson #5: play (25:10)Hasan's book & the book writing process (26:35)Hasan's TEDx talk experience (35:30)How Hasan finds more purpose in his work (38:18)Goal setting & 5 year plans (42:30)Hasan Merali:Book: https://hasanmerali.com/book/   Website: https://hasanmerali.com/TEDx Talk. The best life lessons from toddlers: https://www.youtube.com/watch?v=C6l97BixokcX: https://twitter.com/Hasan_MeraliLinkedIn: https://www.linkedin.com/in/hasan-merali/Facebook: https://www.facebook.com/HasanMeraliMD/Popular Science Article: For better sleep, borrow the bedtime routine of a toddler: https://www.popsci.com/diy/how-to-sleep-better/TEDx talk by Angela Duckworth: https://www.youtube.com/watch?v=H14bBuluwB8Yatin Chadha:Email: [email protected] LinkedIn: Yatin Chadha

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• Ep #89 - The stock market is falling, what should we do? With Dr. Paul Healey

  I've been investing for 7 years. When the markets get volatile & uncertainty arises, I find it informative & reassuring to sit down with another savvy mind.Today, I'm thrilled to chat with Paul Healey about questions people have related to investing in today's markets.This is jam packed with practical insights and valuable lessons Paul has learned since he started investing in 2007.Discussion Points:- What are the main questions today? (2:10)- Strategy - investing regularly vs buying the dips (7:45)- How can we manage our emotions? (10:05)- Paul's experience in 2008 (13:00)- Cash cushions and emergency funds (18:20)- Lump sum vs. dollar cost averaging? (21:20)- Multiple ETFs vs. all in one ETFs (23:12)- Asset allocation over time (25:08)- The power of time & compounding (25:55)- Closing thoughts (30:12)- Investing = time freedom in the future (32:50)CMPA Council Vote: https://www.cmpa-acpm.ca/en/about/governance/council-electionsEmail: [email protected] LinkedIn: Yatin Chadha

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