THE WINTER YOUR LIFE. YOUR TERMS. EVENT IS NOW OVER!
Stay tuned for the next YLYT Event in May!
Rock Star Inner Circle Members can watch recordings of past YLYT Events on the
Exclusive Members' Only Site or on the YLYT App

Saturday Feb 20, 2021

8:30AM - 12:30 PM (EST)

LIVE on Zoom

what is the your life. your terms. event about?

No matter what’s happening in the world right now, 2021 has the potential to be your year.

Moving into the second year of this pandemic, we know…

Even in a provincial lockdown, life doesn’t stop.

And neither does the housing market…
The economy…
Nor property management…
Or the pursuit of our goals!

And your goals are too valuable not to invest 1 day on the information you need to gain an advantage.

For the past 13 years, hundreds of Ontario’s most active real estate investors have been gathering together to find out what is happening now and how they can use that information to their advantage for the future.

You can join this elite group of investors to gain the same advantage on February 20 at the next Your Life. Your Terms. Event!

What you’ll find are insightful trends to prepare you for tomorrow.

Get the latest news on local markets across Southern Ontario, hard-money strategies like gold & bitcoin, a behind the scenes insight on credit markets, and landlord-tenant relations so you can invest in your future with confidence.

February 20, the Your Life. Your Terms. Event is the place to be (virtually) to join hundreds of the most passionate, hard-working, and motivated investors and entrepreneurs in Canada.

The Event experience

The Information

Hundreds of local real estate investors continue to be part of Your Life. Your Terms. Events for one straightforward reason.

Consistently the absolute latest, on-the-streets insights are shared while outlining exactly how it impacts us all in our own backyards.

For years, we’ve been unravelling the complicated money system so investors know the impact they can expect.

Investors and entrepreneurs get the information advantage they need to plan and decide on their next steps with certainty.

Whether it’s a look at large global trends, a dive into local real estate markets, or actionable tactics to implement right away you’ll leave with an up-to-date outline of where things are today and where they’re headed.

Networking & Inspiration

Wanting to take steps to live life on your terms is great, but putting the pieces in action can feel challenging and lonely at times.

Sure, we’re in a virtual environment now but the online conversation flows the whole time.

It might be learning what other investors are doing, picking up a small tip to a hurdle you’re facing, or getting a bit of a push from someone.  

They all make your internal fire burn a bit stronger and give you the confidence to keep at it. It’s simple; the higher the caliber of people you surround yourself with the higher you go.

Fun & Laughs

We’re always in need of smiles and laughs, perhaps now more than ever.

Investing, finances, economy, productivity, mindset are all important. But it doesn’t have to be nose to the grinder serious.

If those things interest you but you want to be part of them with a few laughs and having some fun along the way, this is the place.

At the last event we introduced the Virtual Rock Star T-Shirt Cannon to great fanfare, had a small dance party, promised a unicorn tattoo and asked one attendee to start doing burpees in their kitchen.

It’s not the typical investing event. You’ll be with your people. Active investors who “get you” and understand what it takes to have success.

Register today

for this one cannot-miss event that gives you:


Answers to the pressing questions that are on investors' minds like: What's happening with the global economy right now? How will Canada's soaring debt levels impact the value of my assets? Where is the local real estate market headed in 2021? Where do I keep my money to protect it? Do I really need to buy gold, silver, Bitcoin?


Access to the full support of the Rock Star Community, Coaches,& Team! You'll be able to ask, and get answers to, your questions in REAL-TIME. Don't miss your chance to network and be inspired by the most active group of action-takers in Canada!


The information advantage you need to make sound decisions, leverage the knowledge & experience of other investors, and be motivated to get out there and achieve your goals!


FREE swag and giveaways! The Rock Star T-Shirt Cannon is back and it's ready to blast! Free Rock Star t-shirts & exclusive RS Hoodies.

WATCH EVENT RECORDINGS

On the Agenda...

Winter 2021 Rock Star Economic Update: The Crumbling of the Global Monetary System & Why Canadians Need to be Hyper Aware at this Moment in History

with Tom Karadza

The 50-year-old Petro-Dollar monetary system that we use is coming to its natural conclusion and we're beginning to show its age.

And the big players are acting quickly.

Russia now has more of its reserves in gold reserves U.S. Treasuries.  China is busy buying up commodities and hard assets all around the world.

Family offices that act on behalf of billionaires have been discussing and buying Bitcoin like never before.

Microstrategy, a U.S. based technology company, took $450 million of its reserves and moved it out of dollars in and into Bitcoin.

Stone Ridge Funds 2020 shareholder letter focuses on the value of hard money and even lists residential single family homes as a one of its top ten assets to own.

When is the last time you saw residential single family homes being called out as a "store of wealth" by a financial company?

The smart money is moving and the money is moving fast.

Unfortunately many will not see these movements and miss the largest wealth transfer in our lifetimes.

During this Rock Star Economic Update we will share the specific items that we're paying special attention to.

We'll discuss the latest things we're seeing from the Bank of Canada and what interest rate trends we expect to see over 2021 and beyond.

We'll chat about Canada's fiscal spending and the impact that will have on our purchasing power.

We'll break down the global macroeconomic environment so that we can all understand what's at play and what's at stake.

For years we've shared this Rock Star Economic Update in order to position ourselves and Rock Star members as best we could.

And now it seems more important than ever to be aware of what's going on.

The monetary shifts are happening quickly.  The value of the dollar is changing fast.  Real Estate prices are going bananas.  Bitcoin has emerged as a possible true global store of value.

This Rock Star Economic Update is not to be missed.  It may be our most important update yet.

Living Life on Your Terms Anytime, Anywhere Using The Perfect Week Formula

with Special Guest, Craig Ballantyne

It’s no secret our routines have been thrown upside down.

We’re all having to adjust to ever-changing circumstances.

Whether it’s working from home, becoming a teaching assistant for you kids, or just trying to keep a healthy mental clarity, we all have our own challenges.

There are countless ways to deal with these things.

Some more effective than others.

While most people are dealing with these things fully in reactive mode, you don’t have to.

There are ways to structure things to keep your performance up and mental health high.

There is likely no more important time to really consider the way you’re doing things while a lot of people are feeling isolated, or much worse.

That’s exactly where Craig Ballantyne comes into the picture.

For years, Craig has been working with all sorts of people using his “The Perfect Week” formula to get the results they wanted on their terms.

He coaches all sorts of people from high performing multinational CEOs to people just starting to blaze their trail.

We can’t let fear and uncertainty paralyze us or keep us trapped.

Times like these require that we keep moving, act with courage, and focus on what we can control without feeling depressed or paralyzed about what we can’t.

We know that people who understand this and combine it with income-generating skills will come out ahead.

What Are the Credit Markets Telling Us About the Health of the Canadian Economy
& How Do They Work Anyway?

with Special Guest, Greg Foss

When we first stumbled across Greg Foss on Twitter we had no idea we would uncover one of the most experienced bond and credit traders in Canada.

His explanations of how the high yield credit markets work had our jaws drop.

And his descriptions of what the insurance on the bond market is telling us left us literally speechless.

It's rare to find anyone who understands the credit markets, nevermind finding someone who has 30 years of experience trading in them.

During this special Q&A session we'll be tackling the basics of the credit markets, how credit insurance works and what we can learn from watching these things.

We'll discuss why the bond market is the economic "truth teller" and how simple math can allow us to make some accurate investing decisions.

Credit traders are naturally pessimists and it's from that context which we can learn what the biggest weaknesses in the Canadian economy are.

This is a super rare opportunity to crawl into the minds of one of Canada's most experienced credit traders and extract some new wisdom.

You absolutely won't want to miss this.

Local Real Estate Market Update – Line Ups, Bidding Wars, and Price Jumps. Can It All Continue Or Is A Bubble About To Pop?

with Nick Karadza

In March 2020, our national housing agency predicted that real estate prices would drop between 9% and 18% before recovering in the first half of this year.

Last September, they doubled down on their prediction.

But real estate markets aren’t just up, they’re partying like it’s 1999 all over again!

Even during a pandemic there are lineups to see properties and bidding wars are the norm.

People have to wonder how CMHC could be so wrong in their outlook.

Has everyone just lost their mind?

After all, a huge part of the economy is completely shut down. We’re trying to scrape our way out of a recession. Unemployment is up, and there is no real timeline for all this to end.

So this is all just pure speculation and makes no sense, right?

Or is it possible that the underlying trends we’ve been watching closely for years have been amplified and sped up during 2020?

Last spring, we fielded a lot of investor questions and concerns about where the housing market was going.

We didn't have a crystal ball, but we urged caution when jumping to conclusions. Especially when things were changing at a furious pace and it was too early to see where the chips would fall.

At the local market update then we shared that we felt it was almost "irresponsible" to make any serious predictions at such an unprecedented time.

Now, we're able to look back on the last year to really understand what’s brought us to this point.

There is a lot more to it than the possibility of some over-anxious buyers letting their emotions get the best of them...a lot more.

More importantly, we’ll take what we’ve just learned, compound it with incredibly strong forces that were already in place to look at what’s in store for property investors, and where the opportunities are now.

The Evolution of Tax Structures for Canadian Real Estate Investors: From Holding Properties Personally to Setting Up a Family Trust

with Special Guest, Andrew Topping

When you start investing in real estate it's all about finding the best "deal" or making the numbers work with the banks or creating some cash flow.

But you quickly realize that there are some serious tax advantages to owning real estate if you set yourself up properly.

It's astonishing at how many investors here in Canada aren't aware of what is and is not possible.

During this session our personal accountant, Andrew Topping (www.lugowyassociates.com), is going to walk us through the different tax structures investors can use to hold property.

We'll go over why you may want to start holding property as an individual and then what criteria to use to begin using corporations.

Andrew will walk us through corporate tax rates and how to use multiple corporations to hold your portfolio as it grows. We'll chat about the different tax rates for passive and active income and the role of Holding Corporations.

There are also policies like Whole Life Insurance that can help with the transfer of assets to your children to consider.

And Family Trusts can be set up as long term planning vehicles to help distribute any taxable gains during the sale of an asset base.

You'll get all the info in the jam packed discussion. This has taken us over a decade to figure out and you're getting it all in one Saturday morning!!

more sessions & speakers to be announced soon...stay tuned!

Some of the speakers from the last event

YLYT Feb 2021 Speaker & Presentation Topics Announcements Coming Soon!

Nick Karadza

Local Real Estate Market Update; Creating Your Personal Rock Star Mindset to Truly Live on Your Own Terms

Dave Butler

Investor Mortgage Advantage: Maximizing Your Mortgage to Get Ahead in 2020 and Onward

Tom Karadza

Rock Star Economic Update; Creating Your Personal Rock Star Mindset to Truly Live on Your Own Terms

Kelly Hawkes

New Landlord Tenants Rules and Best Practices: Navigating the New Real Estate Investing Landscape

Steve Hipple says:

"So far this has been a very positive learning experience for my wife and I. The quality of material you covered the quarterly meeting far exceeded our expectations!! Looking forward to the next event, and you guys keep up the awesome work!"

Lisa Lynam says:

"So awesome is Toms presentation and content...If Tom was my Economics prof at Bschool I would never have fallen asleep or dreaded exams! Thank you for sharing your passion for this nerdy stuff that helps us make better decisions to live life on our terms."

Harold Henning & Diane Brisebois say:

"Just want to say a big thank you for all great information shared this morning!We love you and we can wait until this covid stuff is over so Harold and I can give you a big hug!!!The good news is we are saving to invest in real estate, gold and bitcoins!!!"

Jonathan Chan says:

"Thank you to you and your team on putting together a wonderful YLYT event yesterday! I really appreciate the exhaustive time & efforts put forth into creating this. Thanks for always striving to put out great content!"

Steve Dengate says:

"Tom, Nick and your whole team did a wonderful job today! The economic update may have been your finest hour. In this era of great uncertainty you did a great job of bringing meaning to what’s occurring and more importantly what might occur and how to address it."

Peter Pomykacz says:

"Tom and Nick have created some of the most anticipated events in real estate investing, bringing together like-minded individuals from novice to expert, to deliver the most current and relevant news you can use. I find these events are great for learning, networking and friendship. Guys, keep doing what you're doing!"

What people are saying:

Steve Hipple says:

"So far this has been a very positive learning experience for my wife and I. The quality of material you covered the quarterly meeting far exceeded our expectations!! Looking forward to the next event, and you guys keep up the awesome work!"

Lisa Lynam says:

"So awesome is Toms presentation and content...If Tom was my Economics prof at Bschool I would never have fallen asleep or dreaded exams! Thank you for sharing your passion for this nerdy stuff that helps us make better decisions to live life on our terms."

Harold Henning & Diane Brisebois say:

"Just want to say a big thank you for all great information shared this morning!We love you and we can wait until this covid stuff is over so Harold and I can give you a big hug!!!The good news is we are saving to invest in real estate, gold and bitcoins!!!"

Jonathan Chan says:

"Thank you to you and your team on puttingtogether a wonderful YLYT event yesterday! I really appreciate the exhaustivetime & efforts put forth into creating this. Thanks for always striving toput out great content!"

Steve Dengate says:

"Tom, Nick and your whole team did a wonderful job today! The economic update may have been your finest hour. In this era of great uncertainty you did a great job of bringing meaning to what’s occurring and more importantly what might occur and how to address it."

Peter Pomykacz says:

"Tom and Nick have created some of the most anticipated events in real estate investing, bringing together like-minded individuals from novice to expert, to deliver the most current and relevant news you can use. I find these events are great for learning, networking and friendship. Guys, keep doing what you're doing!"

ready to make 2021 YOUR year?!

WATCH EVENT RECORDINGS