Shows
Finding Your Voice After 40S2 Ep 80: "Making a Spiritual Shift" Conversation with Kenya M. Johnson & Barry RileyIn this week's podcast episode, listeners will learn more about “Spiritual Shift” which is a special YouTube Live series hosted by Kenya and her partner Barry Riley. Today’s episode highlights a previous conversation they had regarding “church hurt.” The discussion dwells deeper into how you can identify church hurt as well as how to navigate the complexities of feeling hurt within a faith community without necessarily having to leave the church.
To watch their upcoming relaunch of Spiritual Shift on YouTube on April 7, 2024 at 10a, CLICK HERE
WATCH “Church Hurt” VIDEO INTERVIEW ON YOUTUBE
SUPPORT THE...2024-04-0455 min
Risking it AllEpisode 11 🚀 From Call Centers to Scaling His Fresh Fruit and Veg Business: Steven McGuireWelcome to a refreshing episode where we explore Steven McGuire's incredible journey from a career in contact centers to spearheading his family's fruit and veg shop into a booming business - https://www.freshfruitandvegshop.com/
Learn how Steven's innovative approach to offering weekly fresh fruit to corporate clients not only filled a market gap but also significantly grew his family business. 🌱
Dive into this episode for a mix of motivation, strategy, and actionable insights on taking your business to the next level. Whether you're looking to refresh your business model or find your entrepreneurial path, Steven's journey offers the ins...2024-04-011h 00
The JOY of LIVINGThe Power of a Smile: How Facial Analysis Can Enhance Your Life and BusinessEmbark on a fascinating exploration with host Barry Shore as he engages in a profound dialogue with Joseph McGuire, an expert in the ancient practice of face reading. In this illuminating episode, McGuire shares the serendipitous journey that led him to discover and master the art of interpreting facial expressions. Through captivating anecdotes and insightful reflections, McGuire reveals his innate ability to discern personality traits and emotional states by studying the intricacies of the human face. Delving into the nuances of nonverbal communication, McGuire emphasizes the pivotal role of active listening and genuine curiosity in forging genuine c...2024-02-131h 06
Two Rabbits One HoleBarry Zeldin Episode 7 the perils of true crimeIt's been a minute... we share updates inside info and some final theories. We also share some of our experiences with other content creators in the true crime field. Anyone who knows anything about Barry's disappearance can contact me directly at 484-553-8352. To submit a tip or info anonymously email wickedgardenpodcat@gmail.com. We're rebranding in the very near future but the rss feed will remain the same if you subscribe or follow us.2024-01-2954 min
NDASA Member's MemoNDASA Interview with Barry Nixon of PreemploymentDirectory.comPreEmploymentDirectory.com is an international database of those in the background screening industry that includes drug test collectors nationwide. Help employers get matched to your services by listing your company! Listen to our interview with Barry Nixon to find out HOW. Sponsored by #OraSure Technologies.
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Support this podcast: https://podcasters.spotify.com/pod/show/ndasamembersmemo/support2022-07-0731 min
Two Rabbits One HoleEpisode 6 Beyond the Garden Gate - Warren Grove, Wild, Weird, DangerousThere's been another disappearance in Warren Grove during hunting season with some eerie similarities to Barry's case. This time with a slightly different yet equally disappointing outcome. The bodies of the Parkers were recovered but the cause of death and the story behind their passing remains a mystery. We'll discuss the circumstances, evidence and theories and analyze the response from the police which was much different this time around. Please keep the Parker family in your thoughts and prayers and as always if you have any information on the disappearance of Barry or any theories you'd like us to look...2021-12-151h 24
Fitness Fuck UpsEp 4 - This guy eats testicles for lunch.In this episode of the podcast, me (Barry) and Ciaran discuss trending Tiktok beefcake, "Liverking", and expend more calories than intended trying to figure out why this guy eats like a caveman. We hope you enjoy it as much as we did.2021-11-2226 min
Fitness Fuck UpsEp 1 - Operation TransformationIn this episode, I (Barry) and Ciaran discuss our thoughts and opinions on the popular Irish TV Show - Operation Transformation. Particularly, we discuss a recent clip of the show that's gained popularity on social media.2021-10-1333 min
Two Rabbits One HoleAir Tower UFO Barry Zeldin and High StrangenessA UFO encounter from a military base tower, high strangeness in the lives of the hosts and an update on where we are with the Barry Zeldin case2021-01-101h 34
Mark Allsworth/Classified Sky/Duane BarryDuane Barry - Cosmic Refractions #9 November 2009Cosmic Refractions #9 November 2009
1. Skay - Sinful Dreams (909 Connection Remix) [Afterborn]
2. Activa Feat. Julie Harrington - One Step Closer (Original Mix) [Discover]
3. M_Spark - Vavilon (Line of Sight Remix) [Flextone]
4. Pavel Denisov - Mystery (Oleg Zubkov Remix) [Digital Sensation UK]
5. LuQas - Replicant (Original Mix) [Dead Famous]
6. Myagi & Root Sellers Feat. Norma McGuire - Simmer (Llupa Remix) [Westway]
7. Perpetual Present - Liquid Funk (Original Mix) [Acidphonic]
8. Great Scott - Safehouse (Mesmer Remix) [Scarcity]
9. Sigmatibet - Electric Bogaloo (CX Publishing]
10. Baymont Bross Feat. Benzo - Faster Pussycat (Original Mix) [House Recordings Germany]
11. Sidel - Rollin (Quadrat Beat Remix) [ChipSound]
12. The Equalizers...2020-09-281h 00
Tales from the TrenchesShould a Buyer Accept Title Insurance in Lieu of a Real Property Report and Compliance?Podcast Episode 129: “Home-buyer’s Dilemma.”
Seems like I’m always finding examples to write about regarding real property reports (RPR) and how they fit into a real estate transaction in Alberta. Land surveys, as RPRs are also known, should be simpler than they are. The standard AREA/MLS contract says that the seller will provide an RPR showing current improvements on the property along with written evidence of municipal compliance or non-conformance. Pretty straightforward, right?
Regrettably, no. There are an endless number of circumstances and questions surrounding provision of that required RPR.
Today’...2020-08-1219 min
Tales from the TrenchesThree Examples of Real Estate Woe with Permits, Surveys, and CompliancePodcast Episode 127: “3×3 Permits.”
This is the third Tale in my recent mini-series on Real Property Reports (RPR), municipal compliance, and building/development permits. Our first two Tales dealt with the maze of bureaucracy that surrounds permits and the dangers of not getting a clean RPR with compliance when buying real estate. As per usual, my examples are from Alberta, because that’s where I practise law, but these issues are relevant across Canada and beyond. My third and last instalment is actually three Tales in one, full of RPR/permit related situations or circumstances that turned up for some...2020-06-0217 minTales from the TrenchesRules and Regulations for Secondary Suite Permits Getting StricterPodcast Episode 126: “Trapped in a Permit Maze.”
This Tale from the Trenches is the second in our ongoing mini-series on permits for real estate. You know, those sometimes-nasty bits of paper that towns, cities, counties, and other municipalities require before you can do certain types of work on a property. From my perspective as a real estate lawyer, I think it’s fair to say that the permit landscape has changed over the last few years in Alberta (and elsewhere across Canada), so it’s good to survey recent developments. In this episode, a client of mine faces of...2020-03-2316 minTwo Rabbits One HoleEpisode 3 Beyond the Garden Gate Two Guys from ChatsworthJoin Mike and Tracie as they speak with Bill Swales, President of the Audubon Hunt Club in Chatsworth, New Jersey, who found Barry's Blazer in Warren Grove but does not believe that Barry was ever there. He adds his own theories about Barry's disappearance.2020-03-0849 minTwo Rabbits One HoleEp02 Beyond The Garden Gate Barry Zeldin and The First MateIn this episode, we establish the timeline of Barry's disappearance. We find out about a key witness we need to track down. We have an incredible revelation about a prediction made in December.2020-02-1741 min
Two Rabbits One HoleEpisode One Beyond The Garden Gate - Barry ZeldinBarry Zeldin left home on October 7, 2013 and disappeared. We do a deep dive into the case to assist the family in their search for closure.2020-01-0740 min
Tales from the TrenchesPanelists Share Experiences with Creative Real Estate Investing – plus Q & APodcast Episode 123: “Creative Real Estate Investors Panel.”Special one-hour dive into the trenches of Creative Real Estate in Canada… and Africa! Barry has gathered a panel of experts, veritable rock stars of Creative Strategies, to share their experiences and answer questions from the audience. The essence of Creative Real Estate Investing is knowing strategies and recognizing opportunities. Sometimes deals come along that don’t work for your usual approach. Knowing alternative strategies like Agreements for Sale or Rent-to-Own (a.k.a. Lease Options) allows you still to turn a profit.For many investors, Creative...2019-05-221h 06
Tales from the TrenchesHow to Work with a Property Manager
Podcast Episode 120: “Property Management Nightmare.”
I got an email recently from an unhappy investor about problems with his property manager in Edmonton. Real estate investing is all about relationships, and you need to be able to rely on the people in your team. Property managers are supposed to find tenants, collect rent, and deal with maintenance, among other things. The following Tale is an example of what can happen when you hire the wrong property manager—and how to do it the right way. The email is so descriptive I’m passing it along verbatim. See below:
D...2019-01-2300 min
Tales from the TrenchesHow to Avoid Bad Real Estate DealsPodcast Episode 119: “A Deal That Went Bad and the Lessons Learned.”
This edition of the Tales from the Trenches podcast features special guest Arden Dalik, a senior advisor in the Calgary office of Global Governance Advisors. Her Tale concerns a real estate investment project in Alberta presented to the REIN Group by a REIN member. Quite a number of REIN members invested in the project, including Arden. Unfortunately, the deal went bad, but I was able to come to Arden’s rescue as her real estate lawyer (aka Legal Eagle).
https://barrymcguire.ca/wp-content/uploads/2018/08/Deal-G...2018-08-0726 min
Tales from the TrenchesInheriting Property Isn’t as Simple as it SeemsPodcast Episode 117: “Estates Are Tricky!“
Real estate can cause all kinds of problems when a family member passes away. First, it can take a long time before the will is executed and the inheritor is actually in control of the property. Second, the person who inherits the property also inherits the financial responsibility (mortgage, taxes, etc.), which they end up responsible for even before they own the real estate! This Tale is about what happened when someone inherited a piece of property and almost went into foreclosure with it.
https://barrymcguire.ca/wp-content/uploads/2018/05/Estates-Are-Tricky.mp32018-05-2209 min
Tales from the TrenchesWalk Away From a Real Estate Deal at Your Own Peril!Podcast Episode 116:
“Failure To Close? More Than Your Deposit Is At Risk!”
A real estate purchase contract is a legally binding agreement. If the buyer doesn’t meet their obligations by closing the purchase, there can be financial repercussions. At a minimum, the buyer will lose their deposit. But it can be far, far worse. In this Tale, a BC real estate buyer didn’t close and ended up paying for it after the courts ruled in favour of the seller.
https://barrymcguire.ca/wp-content/uploads/2018/05/Failure-to-Close–More-Than-Your-Deposit-Is-at-Risk.mp3
Download the audio file...2018-05-0904 min
Tales from the TrenchesAvoid Jail-time and Make Money: Assigning Offers to Purchase Real Estate in CanadaPodcast Episode 115:
“Flipping / Assigning Properties? Don’t Go To Jail!”
Not too long ago, I wrote a blog post about the legalities of flipping properties using a Creative Investing Strategy called “assignment.” Now I’m making that topic available as a podcast because I want Canadian investors to have every opportunity to make money without getting on the wrong side of the law. In a hot real estate market, flipping properties by assigning your interest in the purchase can be lucrative. Just make sure to do it legally because the CRA is cracking down on so-called “s...2018-04-2912 min
Tales from the TrenchesFlipping Properties is Risky. Here’s Why!Podcast Episode 113:
“So, You Want To Be A ‘Flipper.’”
There is a whole section of the real estate investment world known as ‘flipping.’ Basically, flipping is when an investor gets control of a property by signing a purchase contract, but rapidly sells it to someone else for a profit. Don R. Campbell of Real Estate Investment Network (REIN) fame has long cautioned against the most common form of flipping, which is to invest in condominium pre-sales. This is a Tale about a client of mine who got caught trying to flip a bunch of properties
https...2018-02-1303 min
Tales from the TrenchesIf Disaster Strikes, Will Your Property Insurance Coverage be Enough?Podcast Episode 112:
“Insurance Realities.”
This is a Tale of woe about property insurance, including some ideas about how to make sure you have enough coverage. After heavy rains in Edmonton, a bunch of my clients had flooded basements. Not surprisingly, many of them couldn’t make insurance claims to cover the damage. Why, you ask? Because insurance policies are intricate legal contracts, and insurance companies won’t pay unless your problem is covered exactly by the terms and conditions…
https://barrymcguire.ca/wp-content/uploads/2018/01/Insurance-Realities.mp3
Download the audio file HERE.
Down...2018-02-0602 min
Tales from the TrenchesDon’t Lose Time and Money from Outdated Real Estate Documents!Podcast Episode 111:
“Keep Your Joint Venture Up-to-Date.”
In real estate, as in all facets of life, things change. A detailed contract or written agreement can protect your investments, but you’re still vulnerable if you don’t follow the terms exactly. A client of mine organized a joint venture with 15 investors to buy an apartment building in Alberta. They used a written Joint Venture to structure the deal, but later changed some aspects with only verbal agreement. This Tale is about what happened when one of the investors passed away and lawyers for the deceased’s estate b...2018-01-3004 min
Tales from the TrenchesLegal Suites and Airport Vicinity Protection Areas in AlbertaPodcast Episode 101:
“Deep Diligence Saves
Half A Million Dollars!”
I heard from a Calgary investor recently about dodging an expensive bullet.
Houses with legal suites or houses zoned for legal suites are all the rage in Alberta. What’s not to like about adding a secondary suite to a single-family home effectively turning it into a duplex with amazing positive cash flow? Everyone likes that. Tougher to do in Calgary, though. I hate to say it, our Calgary cousins are not nearly as advanced as we Edmontonians on the secondary suite issue. The Ci...2017-08-0107 min
Tales from the TrenchesSuccess with Buy and Hold Real Estate InvestingPodcast Episode 100:
“A Tale of Real Estate Investing Success.”
I’ve been doing Tales from the Trenches for 15 years. These are amazing stories from real estate investors, mostly from Alberta, Canada because that’s where I practice law. Tales began as a segment during meetings of the Real Estate Investment Network (REIN), which I continue to do. And then about 4 years ago, it became a podcast, too.
Lots of those stories are about mistakes made and lessons learned. Feedback tells me you find Tales not only interesting, but also very useful in organizing your own r...2017-07-0212 min
Tales from the TrenchesAssuming Mortgages and Transfering Property to a CorporationPodcast Episode 99:
“Happy Assumptions & Corporate Rollovers.“
This episode of Tales from the Trenches contains two stories about transfers: one is about transferring mortgages and the other is about transferring property.
In theory, many mortgages are assumable, but in practice lenders in Alberta (and elsewhere) have been tightening up on their regulations. Some lenders just won’t allow it at all, while others require full re-qualification. This Tale explains how a real estate investor got the bank to agree to a mortgage assumption after he held a property for just seven days!
Rollovers are wh...2017-06-1206 min
Lifestyle Housing RadioEp. 091 - Legal Advice for Real Estate Investors, with Barry McGuireKey Takeaways:
- Most real estate lawyers are doing the basic mom and pop deals. When you're buying investment property you need a lawyer who knows about real estate investment law and likes it.
- It's important to have a knowledgeable real estate investment lawyer on the other side.
- Creative real estate takes more time. Give yourself time...sellers don't have to give you an extension.
- It is a mistake to dive into creative real estate deals without experience or consultation.
- Five creative real estate investing strategies that are working for Canadians.
- Find a Canadian education...2017-06-0127 min
Tales from the TrenchesDisappearing Tenants and Vanishing BuyersPodcast Episode 98:
“Don’t Wait, It Only Gets Worse;
Discharge That Caveat.“
The first part of this Tale is about an Alberta landlord with tenant problems. The renter usually paid on-time, but then the rent started coming late. The tenant’s girlfriend left him, and when our landlord went to check on the property it appeared to have been taken over by a biker gang! Eventually the property appeared to be abandoned, but the landlord was afraid to go back. Moral of the story, nip problems in the bud before they grow to become out of contr...2017-05-0405 min
Tales from the TrenchesHow to Avoid Mortgage FraudPodcast Episode 97:
“Mortgage Fraud.“
The simplest way to avoid committing mortgage fraud is to fully disclose everything about a deal to your lender. If they are satisfied, then you’re probably okay. But what happens if someone else is defrauding you? In Tales from the Trenches, you usually hear second-hand accounts of the trials, tribulations, and successes of Canadian real estate investors. In this Tale, you’ll hear it from the “horse’s mouth.” Special guest Valden Palm tells us how he narrowly avoided getting sucked into a mortgage scam. An unscrupulous guy in Edmonton was buying houses, doing...2017-04-2707 min
Tales from the TrenchesInterest Rates on RRSP MortgagesPodcast Episode 96:
“RRSP Mortgages.“
In Canada, it is possible to use money held in a Registered Retirement Savings Plan (RRSP) to fund mortgages. While this strategy can yield a nice steady return on investment, there are rules in place that can make it a bit tricky to get into. One of those rules is that the lender (i.e., the person with the RRSP) must use a third party trustee to administer the mortgage. This Tale is about dealing with a couple of different trustees and their policies on interest rates. RRSP mortgages must legally be “commercially reason...2017-04-0603 min
Tales from the TrenchesDue Diligence FailsPodcast Episode 95:
“A Couple on Due Diligence“
I talk a lot about due diligence because it is one of the most important aspects of achieving success with real estate. This is a two-part Tale, showing a couple different examples of problems to look out for when doing one’s due diligence. The first example is about what happened when someone bought a property that was scheduled for renovation, but didn’t look into the plans. The buyer thought everything was taken care of—until things went wrong with the contractor. The second example is about someone who bought a b...2017-03-3006 min
Tales from the TrenchesRemoving Conditions on Purchase ContractPodcast Episode 94:
“Removing Conditions—Should I or Shouldn’t I?“
Conditions on a real estate purchase contract should only be removed once the due diligence is complete. But what if the conditions are sort of met, but not completely? Should you still remove conditions if the property seems good, the numbers appear to work, and due diligence is more-or-less done? In this Tale, our investor removed conditions even though they only had verbal assurances about rent and utilities, rather than the written tenant information that was supposed to be part of the deal. As you can probably guess, t...2017-03-0105 min
Tales from the TrenchesProperty Inspections, Reports, and PermitsPodcast Episode 93:
“Inspection Reports & Multi-family Diligence.”
Under Alberta’s Residential Tenancies Act, an inspection report must be made whenever a tenant moves into, or out of, a rental property. But what happens if you buy a property and can’t get the in/out report? Similarly, building permits for multi-family dwellings specify their maximum number of units. What happens if you buy a building that has illegal suites? This episode of Tales from the Trenches explains the legal issues of both inspection reports and occupancy permits in Alberta.
https://barrymcguire.ca/wp-content/uploads/2017/01/inspection-reports-and-diligence-on-multi-family-properties.mp3
2017-02-1805 minTales from the TrenchesProperty Inspections, Reports, and PermitsPodcast Episode 93:
“Inspection Reports & Multi-family Diligence.”
Under Alberta’s Residential Tenancies Act, an inspection report must be made whenever a tenant moves into, or out of, a rental property. But what happens if you buy a property and can’t get the in/out report? Similarly, building permits for multi-family dwellings specify their maximum number of units. What happens if you buy a building that has illegal suites? This episode of Tales from the Trenches explains the legal issues of both inspection reports and occupancy permits in Alberta.
https://barrymcguire.ca/wp-content/uploads/2017/01/inspection-reports-and-diligence-on-multi-family-properties.mp3
2017-02-1805 min
Tales from the TrenchesGiving Keys to a Buyer and Fixed Cash DealsPodcast Episode 91:
“Keys & Cash.”
Here are two quick Tales from the Trenches: 1) tips on keeping a property buyer motivated and 2) contract language to fix the cash portion of a real estate deal.
Our first Tale shows one reason why a real estate deal can close late. Even when investors have good relationships with their buyers, I say hold onto the keys to the property until everything is finalized. That’s a “key” to motivating your buyer to hurry up!
In the second Tale, our investor had a great deal, with the seller agreeing t...2017-01-2603 min
Tales from the TrenchesGiving Keys to a Buyer and Fixed Cash DealsPodcast Episode 91:
“Keys & Cash.”
Here are two quick Tales from the Trenches: 1) tips on keeping a property buyer motivated and 2) contract language to fix the cash portion of a real estate deal.
Our first Tale shows one reason why a real estate deal can close late. Even when investors have good relationships with their buyers, I say hold onto the keys to the property until everything is finalized. That’s a “key” to motivating your buyer to hurry up!
In the second Tale, our investor had a great deal, with the seller agreeing t...2017-01-2603 min
Tales from the TrenchesWhen to Remove Conditions on a Purchase ContractPodcast Episode 90:
“Diligence Pays Off.”
I’ve said it before and I’ll say it again: when you’re buying a property, never remove conditions on the purchase contract until you’ve done due diligence. A real estate lawyer like me can protect your interests and help you negotiate a better deal, but I can only work with the documents and evidence available. In this Tale, our investor was working on buying a multifamily rental property. Unfortunately, there were many discrepancies with the contents of units as well as with the estoppel certificates (aka rental confirmations forms). Good...2017-01-1300 min
Tales from the TrenchesWhen to Remove Conditions on a Purchase ContractPodcast Episode 90:
“Diligence Pays Off.”
I’ve said it before and I’ll say it again: when you’re buying a property, never remove conditions on the purchase contract until you’ve done due diligence. A real estate lawyer like me can protect your interests and help you negotiate a better deal, but I can only work with the documents and evidence available. In this Tale, our investor was working on buying a multifamily rental property. Unfortunately, there were many discrepancies with the contents of units as well as with the estoppel certificates (aka rental confirmations forms). Good...2017-01-1300 min
Tales from the TrenchesTransferring Property Without a LawyerPodcast Episode 89:
“Transfer of Land.”
A Transfer of Land is a document that allows the Land Titles office to register a property in the name of a new owner. In rare circumstances, you might be able to get this done without seeing a lawyer. In this Tale, our investor got a Transfer of Land from a highly motivated seller. Luckily, he also knew what other critical things he needed to do and who he needed to talk to in order to make the transaction go smoothly. This strategy doesn’t come up too often, but when it doe...2016-12-2100 min
Tales from the TrenchesTenant Running Illegal BusinessPodcast Episode 88:
“I Ain’t No Ho!”
As a landlord, you need to be proactive about what is happening with your tenants. Be concerned if you suspect that a renter may be running an illegal business out of your property! This Tale is short and sweet because our investor took action as soon as they found out a tenant was on the wrong side of the law. Do you know what’s going on in your rental properties?
Download the audio file HERE.
(control click or right click + save as)
Need a...2016-12-1600 minTales from the TrenchesMortgage PenaltiesPodcast Episode 87:
“Fun with Mortgage Payout Math.”
Paying off a mortgage early can result in penalties. However, there are ways of minimizing the financial repercussions. In this Tale, Barry works through some mortgage math that could save you money.
Download the audio file HERE.
(control click or right click + save as)
Buying and/or selling Alberta real estate? Contact Barry now!
[contact-form]
“Mortgage” image courtesy of NYPhotographic.com used under Creative Commons Attribution-Sharealike 3.0.
2016-12-0704 minTales from the TrenchesPersonal Responsibility in Cooperative InvestingPodcast Episode 86:
“Joint Venture Blues.”
Partnering up can be a good way to buy more property, but you still have to be careful. As with everything in real estate, due diligence is essential in joint ventures. In this Tale, you’ll hear about the all-too-common mistake of not getting an inspection. You’ll also hear about how not vetting the finder/manager properly cost an investor big time.
Download the audio file HERE.
(control click or right click + save as)
Buying and/or selling Alberta real estate? Contact B...2016-11-3005 min
Tales from the TrenchesGetting Payments through a TrusteePodcast Episode 85:
“Hurry Up and Wait.”
When dealing with trustees or lenders, there are many things that can delay a transaction. The type of payment can trigger a processing hold, the shipping method can be slow or unreliable, and sometimes clerks just overlook things. If you need a certain result, in a specific amount of time, then you need to lock down every stage of the process! In this Tale, you’ll hear just how many things can go wrong with getting a lump sum payment on an RRSP mortgage. Our client was trying to receive payout...2016-11-2306 min
Tales from the TrenchesCreative InvestingPodcast Episode 79:
“Creative Real Estate Strategies.”
What is Creative Real Estate Investing? It is a method for making money with real estate that uses strategies like Rent-to-Own, Agreements for Sale, and Wholesaling, among others. This is an area not too many people know about, but it offers some tremendous opportunities. One of the things that differentiates Creative Real Estate Investment from the traditional Buy & Hold approach is that it works on a much shorter timeline.
Download the audio file HERE and the text/handout HERE.
(control click or right click + save as)2016-07-0902 min
Tales from the TrenchesTitle InsurancePodcast Episode 77:
“Is Title Insurance Worth It?“
In Western Canada, title insurance was created to cover problems with real property reports, but did you know that it also covers many other issues? In this Tale, we have a case where the lender got title insurance, but the buyer/homeowner did not. When there was a $21,000 claim made regarding gap registration, the matter went to court. This problem could have been avoided with a mere $50 of extra insurance! Many of the Tales I tell are like this one, which is all about helping you avoid other people’s mist...2016-06-2300 min
Tales from the TrenchesFinancing ConditionsPodcast Episode 74:
“Unconditional Mortgage Commitment:
Are You Sure?”
Sometimes a “sure thing” can come apart at the last minute. In this Tale, we have a buyer who found her dream home and was all ready to purchase. Or so she thought! Unfortunately, an inspection revealed major problems with the foundation. She was able to negotiate a reduction in purchase price, and so she went unconditional on the deal. But then the bank pulled her fully approved financing and left our buyer scrambling to save her dream home—as well as her $60,000 deposit. In the end, she found...2016-06-0108 min
Tales from the TrenchesDo You Need a Land Survey to Sell a Property?Podcast Episode 73:
“Real Property Reports and Sellers.”
Did you know that a land survey certificate of building locations on a property is no longer valid if there have been improvements like a deck or a garage? In the Canadian province of Alberta, an up-to-date Real Property Report (RPR) is a requirement built into the standard sales contracts used by realtors. As a seller, you either need to get a current RPR or find a way to amend that clause. In this Tale, we have two sellers who had to deal with their RPRs being out-of-date.
2016-05-2608 min
Tales from the TrenchesHow to Defend Against DishonestyPodcast Episode 71:
“Some People Aren’t Honest.”
It’s sad to say, but there are dishonest people out there. Some real estate buyers, sellers, lawyers, and realtors will try to pull the wool over your eyes. A classic trick unscrupulous people use is to slip a clause into a document or take one out without you noticing. Luckily you can protect yourself from this and keep them in check by making sure to read contracts thoroughly, as well as to reread them after every round of negotiation and/or amendments. Vigilance is a necessary aspect of due dili...2016-05-0500 min
Tales from the TrenchesHow to Defend Against DishonestyPodcast Episode 71:
“Some People Aren’t Honest.”
It’s sad to say, but there are dishonest people out there. Some real estate buyers, sellers, lawyers, and realtors will try to pull the wool over your eyes. A classic trick unscrupulous people use is to slip a clause into a document or take one out without you noticing. Luckily you can protect yourself from this and keep them in check by making sure to read contracts thoroughly, as well as to reread them after every round of negotiation and/or amendments. Vigilance is a necessary aspect of due dili...2016-05-0500 min
Tales from the TrenchesReal Estate Investing in Small TownsPodcast Episode 70:
“Small Town Advantage.”
Smaller municipalities can be an ideal place to invest in real estate. This is particularly true if you focus on an area where there might be many opportunities and little competition. Prices are often lower in small towns, and even medium-sized cities can provide an advantage over big metropolises if you specialize in one neighbourhood or region. The key is that you need to become a local expert. Leverage your small town advantage to become a big asset for you as a real estate investor!
Download the audi...2016-04-2600 minTales from the TrenchesI Don’t Really Need a Lawyer, Do I?Podcast Episode 69:
“Lawyer? I Don’t Need No Stinking Lawyer!”
Experienced investors sometimes do real estate deals without the help of a lawyer. But even knowledgeable people can miss things that a professional wouldn’t! In this Tale, we have a seasoned investor who acted for himself when he bought a property, but got help from me when he was selling. I found a couple of things registered on the title that he wasn’t aware of. Lucky for him, it was quick and easy to have these removed, but it could have been much worse. If you are...2016-04-2100 min
Tales from the TrenchesWorst Case Condo InvestmentPodcast Episode 68:
“Disaster at Penhorwood: Update.”
In a previous Tale, we reviewed the calamitous and stomach turning events at the Penhorwood Condominium complex in Fort McMurray, Alberta. Our review looked at events occurring in 2011, but in 2014 things really came to a head. I thought this was serious enough to reprint some our previous Tale, and then follow-up with a discussion of how the circumstances evolved. Read on and be very aware that some condominiums have ultra-serious issues.
Download the audio file HERE and the text/handout HERE.
(control click or right clic...2016-04-1400 min
Tales from the TrenchesRent-to-Own aka Lease-OptionsPodcast Episode 67:
“Coaching Successful Lease-Options.”
When a qualified tenant wants to be a homeowner, but can’t get a mortgage, investors can offer him or her a lease-option. This creative investment strategy is also known as rent-to-own. The trick is doing enough diligence on the tenant to make sure that they will be able to qualify for a mortgage at some point in the (relatively) near future. It also helps to get insurance in case something goes wrong. The tenant pays a non-refundable sum of money for their lease-option, and the whole deal can provide an excell...2016-04-0600 min
Tales from the TrenchesAgreements For SalePodcast Episode 66:
“Creative Cash Takes Time And Effort.”
The foundation of real estate investing is to buy and hold property. Sometimes, however, opportunities come along that require a different strategy. A highly motivated seller with a low/no equity property could be approached with an Agreement for Sale. This is both a creative real estate investment strategy as well as a type of legal document. In this Tale from the Trenches, our investor was able to put down very little money, but still got control of the property through seller financing. Despite the difficulties of Agreements for...2016-03-3000 minTales from the TrenchesDo You Always Need Diligence?Podcast Episode 65:
“Diligence with Friends and Experts.”
It doesn’t matter who you are working with in a real estate deal, you still need to do your diligence. This means asking questions and reading the documents—even if dealing with a friend. Don’t assume an expert is infallible either; professionals can still be wrong or make mistakes.
Download the audio file HERE and the text/handout HERE.
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Diligence with Friends and Experts:
A Tale From The Diligence...2016-03-2200 minTales from the TrenchesDo You Always Need Diligence?Podcast Episode 65:
“Diligence with Friends and Experts.”
It doesn’t matter who you are working with in a real estate deal, you still need to do your diligence. This means asking questions and reading the documents—even if dealing with a friend. Don’t assume an expert is infallible either; professionals can still be wrong or make mistakes.
Download the audio file HERE and the text/handout HERE.
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Diligence with Friends and Experts:
A Tale From The Diligence...2016-03-2200 min
GLI ORIGINALIBarry Mc Guire - You Were On My MindBarry Eugene McGuire (Oklahoma City, 15 ottobre 1935) è un cantautore statunitense. "You Were on My Mind" è una canzone popolare scritta da Sylvia Fricker nel 1962. E 'stato scritto in una vasca da bagno in una suite all'Hotel Earle nel Greenwich Village. Ha scritto in bagno perché "era l'unico posto ... gli scarafaggi non sarebbero andati".Ho in mente te (Equipe 84)- You Were On My Mind (Barry McGuire)2016-03-1702 minTales from the TrenchesShould I Become a Developer?Podcast Episode 64:
“Development Is a Senior Strategy.”
Buying and holding single-family homes is a great strategy for anyone starting out in real estate investment. Many people eventually get into multifamily properties, which builds on the experience of basic buy-and-hold. Becoming a developer is a very different type of strategy and is much more difficult. The rewards can be worth it for a senior investor, but there is also a lot of risk involved, and so development should be approached cautiously—if at all.
Download the audio file HERE and the text/handout HERE.2016-03-1400 minTales from the TrenchesReal Rules of Real Estate: RPRS & RealtorsPodcast Episode 63:
“Real Property Reports and Realtors.”
In this Tale, our investor was right to walk away, but they will probably lose their deposit. Avoid using the same realtor for both buyer and seller. Know the difference between a Real Property Report and Title Insurance. Make sure your team members are real estate investment professionals, not just family, friends, or people who speak your language.
Download the audio file HERE and the text/handout HERE.
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Real Rules of Real...2016-03-0800 minTales from the TrenchesReal Rules of Real Estate: RPRS & RealtorsPodcast Episode 63:
“Real Property Reports and Realtors.”
In this Tale, our investor was right to walk away, but they will probably lose their deposit. Avoid using the same realtor for both buyer and seller. Know the difference between a Real Property Report and Title Insurance. Make sure your team members are real estate investment professionals, not just family, friends, or people who speak your language.
Download the audio file HERE and the text/handout HERE.
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Real Rules of Real...2016-03-0800 min
Tales from the TrenchesHow to Get a Seller to Do RepairsPodcast Episode 62:
“Holdbacks or Drawbacks?”
A holdback clause can help insure that the seller takes care of a property’s deficiencies before closing. The language of this item in your purchase contract needs to be very specific in order to be effective. Some lenders, however, don’t like cash backs, holdbacks, or credits.
Download the audio file HERE and the text/handout HERE.
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How to Get a Seller to Do Repairs:
Holdbacks or Drawbacks?
In a recent situatio...2016-03-0100 min
Tales from the TrenchesSay No to Condos Less than 8 UnitsPodcast Episode 61:
“New Homes And Subdivision.”
Purchasing a new property before it is built is far more complex than buying an existing one. There are even more possible issues when subdividing and condominiumization are involved. Subdivision takes a long time and has many complicating factors. I don’t generally recommend small condos (i.e., less than 8 units.)
Download the audio file HERE and the text/handout HERE.
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Say No to Condos Less than 8 Units:
New Homes And Subdivision
Our...2016-02-2400 minTales from the TrenchesRules for Getting MortgagesPodcast Episode 60:
“Timing and the Lender’s Sandbox.”
When you want a mortgage, you need to play by the lender’s rules. Be sure to disclose the facts of your application or risk losing your funding. Timing is key, so leave yourself extra room after removal of final conditions.
Download the audio file HERE and the text/handout HERE.
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Rules for Getting Mortgages:
Timing and the Lender’s Sandbox
There are two things you always have to consider i...2016-02-1700 min
Tales from the TrenchesRules for Getting MortgagesPodcast Episode 60:
“Timing and the Lender’s Sandbox.”
When you want a mortgage, you need to play by the lender’s rules. Be sure to disclose the facts of your application or risk losing your funding. Timing is key, so leave yourself extra room after removal of final conditions.
Download the audio file HERE and the text/handout HERE.
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Rules for Getting Mortgages:
Timing and the Lender’s Sandbox
There are two things you always have to consider i...2016-02-1700 min
Tales from the TrenchesBuying Long-distance PropertyPodcast Episode 59:
“Travel and Tenants.”
Managing properties when they are far from where someone lives can be tricky. Use this fact to help you find motivated sellers. Beware that pre-possession inspections require custom clauses and you can’t just kick existing tenants out if they are a problem. When finding replacement tenants, know the difference between rent deposits and security deposits.
Download the audio file HERE and the text/handout HERE.
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Buying Long-distance Property:
Travel and Tenants
Our in...2016-02-1006 minTales from the TrenchesBuying Long-distance PropertyPodcast Episode 59:
“Travel and Tenants.”
Managing properties when they are far from where someone lives can be tricky. Use this fact to help you find motivated sellers. Beware that pre-possession inspections require custom clauses and you can’t just kick existing tenants out if they are a problem. When finding replacement tenants, know the difference between rent deposits and security deposits.
Download the audio file HERE and the text/handout HERE.
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Buying Long-distance Property:
Travel and Tenants
Our in...2016-02-1006 min
Tales from the TrenchesMultifamily Location Is KeyPodcast Episode 58:
“You Are Buying the Neighbourhood.”
When buying a property, you are buying the neighbourhood and neighbourhoods are not homogenous. Do some diligence around schools opening or closing, new public transit soon or in the works, and rezoning. Check parking lots and dumpsters where you intend to buy; these will give you an informal tenant profile. Any environmental considerations?
Download the audio file HERE and the text/handout HERE.
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Multifamily Location Is Key:
You Are Buying the Neighbourhood
I ca...2016-02-0307 min
Tales from the TrenchesMultifamily Location Is KeyPodcast Episode 58:
“You Are Buying the Neighbourhood.”
When buying a property, you are buying the neighbourhood and neighbourhoods are not homogenous. Do some diligence around schools opening or closing, new public transit soon or in the works, and rezoning. Check parking lots and dumpsters where you intend to buy; these will give you an informal tenant profile. Any environmental considerations?
Download the audio file HERE and the text/handout HERE.
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Multifamily Location Is Key:
You Are Buying the Neighbourhood
I ca...2016-02-0307 minTales from the TrenchesInspecting a Multifamily PropertyPodcast Episode 57:
“All the Suites Look Just Like this One.”
When buying a multifamily building, inspect all the suites. Your vision of what is satisfactory and the vision of a seller anxious to sell are likely to be completely different. Failure to inspect meant substantial extra expense after closing for this investor.
Download the audio file HERE and the text/handout HERE.
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Inspecting a Multifamily Property
“All the suites look just like this one,” it what the seller said when our inve...2016-01-2500 minTales from the TrenchesMultifamily – Mortgages and Unrented SuitesPodcast Episode 56:
“You’ve Got How Many Vacancies?”
This is the story of one investor’s path from single-family dwellings to multifamily properties. Multifamily lenders fund mortgages based on rental revenue. On closing day, every vacancy reduces the amount of mortgage money. What does it mean when two vacancies turn into eighteen vacancies on closing date?
Download the audio file HERE and the text/handout HERE.
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Mortgages and Unrented Suites:
You’ve Got How Many Vacancies?
It was an okay...2016-01-1811 min
Tales from the TrenchesMortgage DelaysPodcast Episode 55:
“It Took How Long?”
Many things can slow down a mortgage application. Two weeks is a minimum for your financing condition, but some sellers might not like it; getting pre-approved is a safer option. To avoid human error, make sure to read over your own mortgage documents carefully.
Download the audio file HERE and the text/handout HERE.
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Mortgage Delays:
It Took How Long?
Tales from the Trenches often talk a lot about timing. For examp...2015-11-2700 min
Tales from the TrenchesWritten DocumentsPodcast Episode 54:
“Get it in Writing.”
What happens when a real estate deal is delayed past the closing date? The seller can choose not to sell, but they still keep your deposit. Verbal agreements for things like extensions aren’t enough; you need signed documents or else people can change their minds.
Download the audio file HERE and the text/handout HERE.
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Get It In Writing
A brand-new investor was looking to buy her first investment property. She had a c...2015-11-2306 minTales from the TrenchesIs a Handshake Enough?Podcast Episode 52:
“Some Deals Have It All.“
When doing joint ventures with friends and family, you still need formal documentation. If problems arise, deal with them promptly or pay the price.
Download the audio file HERE and the text/handout HERE.
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A Tale of Greed and Treachery:
Some Deals Have It All
This Tale is all about opportunity lost. The story talks about dealing with family and friends, failing to deal promptly with trouble, lack of documentation, no pr...2015-11-1200 minTales from the TrenchesIs a Handshake Enough?Podcast Episode 52:
“Some Deals Have It All.“
When doing joint ventures with friends and family, you still need formal documentation. If problems arise, deal with them promptly or pay the price.
Download the audio file HERE and the text/handout HERE.
(control click or right click + save as).
A Tale of Greed and Treachery:
Some Deals Have It All
This Tale is all about opportunity lost. The story talks about dealing with family and friends, failing to deal promptly with trouble, lack of documentation, no pr...2015-11-1200 minTales from the TrenchesHow Long to Close a Real Estate Deal?Podcast Episode 51:
“30 Days to Close Is Crazy.“
There are many things that can delay real estate transaction. 30 days is a minimum, but keep in mind that closing time should only begin after final conditions are removed.
Download the audio file HERE and the text/handout HERE.
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“30 Days To Close, That’s Just Crazy!!”
This Tale comes under the heading of ‘The Basics.’ For new investors especially, there are certain things or situations that keep coming up again and again. Even sen...2015-11-0407 minTales from the TrenchesHow Long to Close a Real Estate Deal?Podcast Episode 51:
“30 Days to Close Is Crazy.“
There are many things that can delay real estate transaction. 30 days is a minimum, but keep in mind that closing time should only begin after final conditions are removed.
Download the audio file HERE and the text/handout HERE.
(control click or right click + save as).
“30 Days To Close, That’s Just Crazy!!”
This Tale comes under the heading of ‘The Basics.’ For new investors especially, there are certain things or situations that keep coming up again and again. Even sen...2015-11-0407 min
Tales from the TrenchesCaveats on TitlePodcast Episode 50:
“Cornerstones Program.“
In Edmonton, AB, we have a program where homeowners can get a loan from the City to put in or fix up a secondary rental suite. The difficulty is that the City then puts a caveat on the title to ensure that their requirements are met. This can complicate selling, purchasing, and refinancing.
Download the audio file HERE and the text/handout HERE.
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Caveats on Title:
Cornerstones Program
Cornerstones is a grant program initi...2015-10-2700 min
Tales from the TrenchesInspection IssuesPodcast Episode 49:
“Nailing It Down.“
When an inspection reveals problems with a potential property, these need to be fully resolved—even when they seem like they might be OK. Before removing conditions from, make sure to nail down issues so that they are 100%. Close or sort of isn’t good enough!
Download the audio file HERE and the text/handout HERE.
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Inspection Issues:
Nailing It Down
An investor found an interesting property. Nice house in a nice area with...2015-10-2300 min
Tales from the TrenchesPlan B $$$Podcast Episode 48:
“Plan B.“
Money and financing are essential parts of any real estate transaction. Always make sure to have a backup in order to make sure that you can still close a deal… just in case your first choice for financing dissolves!
Download the audio file HERE and the text/handout HERE.
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Financing:
Plan B
“It’s all about the money baby!” Well, maybe not all about, but if you don’t have money, you can’t do deals. Having th...2015-10-1900 min
Tales from the TrenchesMortgage MadnessPodcast Episode 47:
“Lender Lessons.“
Let’s look at five different aspects of ensuring financial success for your real estate business. Banks like things plain and simple. You need to deal with conditions on a mortgage and names on the title before you can close. Make triple sure you are unconditional before removing ‘subject to’ from your contract. You also need to make sure to disclose to your lender any ‘creative’ approaches to investing.
Download the audio file HERE and the text/handout HERE.
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2015-10-1400 min
Tales from the TrenchesHow to Deal with a Deceased Tenant (Follow-up)Podcast Episode 43:
“There’s A Dead Guy In My Suite! (Follow-up)”
This Tale follows up on the previous one about what you can do when a tenant passes away. Our example shows the steps taken by a landlord to deal with next of kin, and what happened when the family didn’t end up taking responsibility for the tenant’s estate.
Download the audio file HERE and the text/handout HERE.
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How to Deal with a Deceased Tenant:
There’s A Dead Guy...2015-09-1400 min
Tales from the TrenchesCondo DiligencePodcast Episode 41: “Rubik’s Cube Condo: An Investor’s Near-Miss.“
Purchasing a condominium unit as an investment can be tricky business because of the many other parties you need to deal with. There are also laws surrounding condos that you need to take into account. As always, due diligence is the key to avoiding a bad deal. This Tale looks at a condo that seemed fine, but turned up a puzzling array of problems upon closer inspection.
https://barrymcguire.ca/wp-content/uploads/2015/07/rubiks-cube-condo.mp3
Download the audio file HERE and the text/handout HERE.2015-09-0100 min
Tales from the TrenchesCredit Hassles (Part 3)Podcast Episode 35: “Follow-up Is Essential.”
Why follow-up on a slam-dunk, for-sure mortgage? Sometimes paperwork just gets lost; having a Plan B is essential.
https://barrymcguire.ca/wp-content/uploads/2015/07/credit-hassles-part-3-follow-up.mp3
Download the audio file HERE and the text/handout HERE.
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When Mortgage Instructions Are Delayed
Three in one. It doesn’t happen often, but this Tale on credit woes comes from the same set of circumstances as the first two Tales in this series (Part I and Part II).
Now...2015-07-3105 min
Tales from the TrenchesHere’s How Parking Spots Work in CondominiumsPodcast Episode 32: “Condominium Parking.”
In this episode, Barry explains how condominium parking works. Do you have title to your parking unit, exclusive use of that parking unit, or is it simply your assigned space? Perhaps it is a combination of all three…
https://barrymcguire.ca/wp-content/uploads/2015/03/condominium-parking1.mp3
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Condo Parking Can Be Confusing for Buyers
You buy a condominium; you get a place to park, right?
...2015-03-3100 min
Tales from the TrenchesTransferring an Old Mortgage to a New Home Rarely PossiblePodcast Episode 25: “When Is Your Portable Mortgage Not Portable?”
This Tale explains some of the pitfalls of relying on the portability clause in your old mortgage to buy a new house. It also talks about why your credit track record doesn’t trump bank policy. Consider making your sale subject to achieving an unconditional purchase.
https://barrymcguire.ca/wp-content/uploads/2014/09/when-is-your-portable-mortgage-not-portable_.mp3
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My client was buying a new personal residence. The fou...2014-10-0900 min
Tales from the TrenchesThis One Clause Will Save You When Buying Real Estate from a DeveloperPodcast Episode 20: “Developer = Issues.”
In this episode, Barry talks about the differences between buying a property from a developer vs. a previously owned home through a realtor. Developers have custom contracts, which means nothing is standard. You must do more diligence, and you should also customize the contract with a clause to protect yourself.
https://barrymcguire.ca/wp-content/uploads/2014/07/developer-issues.mp3
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Download the PDF file HERE.
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Buying Property from a Developer Is Never a Stan...2014-07-0800 minTales from the TrenchesTaming Your Legal Bills (Part 3 of 4)Podcast Episode 18: “Taming Your Legal Bills 3/4 – Hourly Fees.”
Complex legal work on real estate deals is typically billed by the hour. In this episode, Barry provides helpful tips to improve service, get better results, and reduce legal fees.
https://barrymcguire.ca/wp-content/uploads/2014/06/taming-your-legal-bills-3-hourly-fees.mp3
Download the audio file HERE.
Download the PDF file for all four parts HERE.
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Complex Legal Work Costs More; Watch Out for those Extras!
Now let’s talk about how to save leg...2014-06-1905 minTales from the TrenchesTaming Your Legal Bills (Part 2 of 4)Podcast Episode 17: “Taming Your Legal Bills 2/4 – Fixed Fees.”
A continuation of Barry explaining how your lawyer figures out your legal bill for a real estate transaction. Fixed fees only apply to plain, straightforward deals, so if your transaction becomes more complicated, the cost rises. Listen to this episode to get helpful tips on keeping your fixed fees fixed.
https://barrymcguire.ca/wp-content/uploads/2014/06/taming-your-legal-bills-2-fixed-fees.mp3
Download the audio file HERE.
Download the PDF file for all four parts HERE.
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Wha...2014-06-1206 minTales from the TrenchesTaming Your Legal Bills (Part 1 of 4)Podcast Episode 16: “Taming Your Legal Bills 1/4 – Fees Disbursements Taxes.”
This episode explains how your lawyer figures out your legal bill for a real estate transaction. It also features discussion of how speed, risk, and benefit can influence the cost of more complex deals.
https://barrymcguire.ca/wp-content/uploads/2014/06/taming-your-legal-bills-1-fees-disbursements-taxes.mp3
Download the audio file HERE.
Download the PDF file for all four parts HERE.
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How Do Lawyers Charge for Real Estate Deals?
Anyone buying and selling real estate...2014-06-0508 min
Tales from the TrenchesThree Condominium Conundrums (Part 3 of 3)Podcast Episode 12: “Condominium Conundrums 3/3 – Rental Pool Mysteries.”
In this podcast, you’ll hear about issues to watch out for when purchasing a condominium unit with an existing tenant and a rental pool. There is a formal process to join the rental pool and lots of paperwork!
https://barrymcguire.ca/wp-content/uploads/2014/04/condominium-conundrums-3-rental-pool-mysteries.mp3
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Rental Pool Mysteries
Here’s another e-mail I got from a member about a Rental P...2014-04-3000 minTales from the TrenchesThree Condominium Conundrums (Part 2 of 3)Podcast Episode 11: “Condominium Conundrums 2/3 – Caveat on my Condominium Title.”
In this episode, Barry tells a tale of failure to pay a special assessment, which allows the Condominium Corporation to file a caveat against your title. If you don’t pay, the next step is what amounts to a foreclosure. Plus, you will pay both party’s legal fees…
https://barrymcguire.ca/wp-content/uploads/2014/04/condominium-conundrums-2-caveat-on-my-condominium-title.mp3
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Caveat on my Condominium Title.
...2014-04-2300 minTales from the TrenchesMortgages and Related Security… How Are You Liable? (Part 6 of 9)Podcast Episode 6: “Mortgage Basics 6/9 – Corporate Mortgages and Personal Guarantees.”
Continuing with our mortgage podcast mini series, let’s look at assuming mortgages from a corporation and the issue of personal guarantees. There are certainly lots of details when it comes to mortgage law, which is why you need a lawyer to get a mortgage.
https://barrymcguire.ca/wp-content/uploads/2014/02/mortgage-basics-6-corporate-mortgages-and-personal-guarantees.mp3
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C. Alberta Mortgage Law
More principles...2014-03-1300 minTales from the TrenchesMortgages and Related Security… How Are You Liable? (Part 5 of 9)Podcast Episode 5: “Mortgage Basics 5/9 – The Chain of Responsibility.”
A continuation of how mortgages work in Alberta including discussions of conventional mortgages, high ratio (CMHC) mortgages, personal guarantees, enforceability, assumptions and foreclosures. Also includes 10 very useful true and false questions and an explanation of the court process around a foreclosure.
https://barrymcguire.ca/wp-content/uploads/2014/02/mortgage-basics-5-the-chain-of-responsibility.mp3
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C. Alberta Mortgage Law
More principles of mortgage law specific to A...2014-03-0600 minTales from the TrenchesMortgages and Related Security… How Are You Liable? (Part 4 of 9)Podcast Episode 4: “Mortgage Basics 4/9 – The Alberta Difference.”
The next part of this mortgages mini series looks at how things are different in Alberta. There is a unique wrinkle regarding borrower’s liability in the event of a foreclosure…
https://barrymcguire.ca/wp-content/uploads/2014/02/mortgage-basics-4-the-alberta-difference.mp3
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C. Alberta Mortgage Law
Some principles of mortgage law specific to Alberta include the following:
i) No Action on the Covenant
In...2014-02-2700 minTales from the TrenchesMortgages and Related Security… How Are You Liable? (Part 3 of 9)Podcast Episode 3: “Mortgage Basics 3/9 – Personal Guarantees.”
The third part of this podcast mini series focuses on personal guarantees to secure a mortgage. This short episode discusses situations where a lender might require a third party to add their name to a mortgage contract as extra insurance.
https://barrymcguire.ca/wp-content/uploads/2014/02/mortgage-basics-3-personal-guarantees.mp3
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B. Basic Principles of Foreclosure
Some general legal principles of foreclosure law continued:2014-02-2002 minTales from the TrenchesMortgages and Related Security… How Are You Liable? (Part 2 of 9)Podcast Episode 2: “Mortgage Basics 2/9 – Types of Mortgages.”
This episode of Tales from the Trenches continues the mini series on mortgages with a discussion of conventional mortgages and high ratio (CMHC) mortgages. The legal aspect of how mortgages are secured depends on the loan to value ratio.
https://barrymcguire.ca/wp-content/uploads/2014/02/mortgage-basics-2-types-of-mortgages.mp3
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B. Basic Principles of Foreclosure
Some general legal principles of foreclosure law are as fol...2014-02-1304 min
Tales from the TrenchesMortgages and Related Security… How Are You Liable? (Part 1 of 9)Podcast Episode 1: “Mortgage Basics 1/9 – History Is No Mystery.”
Mortgages are a fact of life for most people buying and selling real estate. For the first episode of the Tales from the Trenches podcast, we’re going to talk about some of the background and history of these all important legal contracts. If you’re getting a mortgage, lenders require you to have a lawyer’s assistance. In this mini series of podcasts, veteran Alberta real estate attorney Barry McGuire gives you the straight goods on all things mortgage!
https://barrymcguire.ca/wp-content/uploads/2014/02/mortgage-basics-1-history-is...2014-02-0608 minTales from the TrenchesMortgages and Related Security… How Are You Liable? (Part 1 of 9)Podcast Episode 1: “Mortgage Basics 1/9 – History Is No Mystery.”
Mortgages are a fact of life for most people buying and selling real estate. For the first episode of the Tales from the Trenches podcast, we’re going to talk about some of the background and history of these all important legal contracts. If you’re getting a mortgage, lenders require you to have a lawyer’s assistance. In this mini series of podcasts, veteran Alberta real estate attorney Barry McGuire gives you the straight goods on all things mortgage!
https://barrymcguire.ca/wp-content/uploads/2014/02/mortgage-basics-1-history-is...2014-02-0608 min