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The Green Effect Podcast

Author: Stephen Green

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Finance, life, business and everything in between!

Reboot 2022! Brand new content with just myself gabbing away about the real estate world, personal stuff going on in my life, stories as an investor, and whatever else fits my fancy!

Proudly sponsored by Top Consulting: topconsulting.ca
130 Episodes
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🎙️ The Green Effect Podcast - Season 5 Premiere! 🚀   Join host Stephen Green as he kicks off Season 5 with special guest Scott Shea, the 'Right Sizing Expert' in real estate! 🏡💡   Trend to "Right Size" Homes | Commercial Interests | Branding & Elite Service Offering | Generational Wealth Transfers   In this episode, we dive into: ✅ The emotional challenges of moving & downsizing. ✅ Generational wealth transfer & its impact on real estate. ✅ The shift towards smaller, more affordable homes. ✅ Why relationships, integrity & trust matter in business. ✅ The future of real estate in a skill-based, relationship-driven market. Don't miss it! 🎧 #TheGreenEffectPodcast  
📢 New Podcast Episode Alert! 🎙️   🎙️ Season 4, Episode 25 of The Green Effect Podcast 🎙️   Stress Test Free Switch Fiasco | Major Bank Involved in Law Suit | Unemployment Rate Impacts | Tiffyboy: Santa or Scrooge?   Hosted by Stephen Green, this episode dives into the latest insights shaping Canada's financial landscape:   📌 The impact of Bank of Canada announcements on mortgages 📌 New stress-test-free mortgage switching regulations 📌 Scotiabank's automatic renewal process explained 📌 Economic health indicators, including unemployment trends 📌 The implications of high household debt and interest rate cuts   Don't miss out on expert advice to navigate mortgage renewals, manage holiday spending, and plan for 2025! 🎧   Listen now wherever you get your podcasts. 🎙️   #TheGreenEffectPodcast #StephenGreenPodcast #MortgageAdvice #BankOfCanada #InterestRateUpdate #CanadianEconomy #EconomicInsights #RealEstateFinance #FinancialHealth #MortgageRenewals #HouseholdDebt #UnemploymentTrends #ScotiabankTips #StressTestExemption #EconomicForecast #FinancialAdvice #TopMortgagePodcast #HolidaySpendingTips #PlanAhead #PodcastInsights #RealEstateTips #CanadianFinance #TopProducers #TheFinancialCollective #NavigateYourFinances   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
📢 New Podcast Episode Alert! 🎙️   🌟 Green Effect Podcast Season 4, Episode 24 🌟   JT and Disney+ Lady Spending Money They Don't Have | Truth Behind the New Stress Test-Free Mortgage Switches | Singing About Fraud on Social Media   In this engaging episode of The Green Effect Podcast, Stephen Green dives into the latest economic and real estate developments in Canada, with his signature mix of humor and no-nonsense analysis.   Stephen dissects the federal government's GST holiday, highlighting its short-term benefits and potential long-term consequences, including inflation and economic strain. He critiques the logic of offering tax breaks while the country faces a significant deficit, calling it a "wolf in sheep's clothing." He emphasizes the need for better allocation of resources, such as investing in housing solutions.   Shifting gears, Stephen explores the recent mortgage stress test policy changes. While eliminating the stress test for straight mortgage switches at maturity is a step forward, he critiques the rule's limited scope and exclusion of monoline lenders and credit unions. He notes that this policy, while promising on the surface, is unlikely to revolutionize the mortgage market.   Stephen also discusses shifting consumer sentiment, the rise in first-time homebuyer activity, and upcoming regulatory changes, such as the 30-year amortization option for buyers with less than 20% down.   Finally, Stephen calls out misinformation on social media, warning listeners to critically evaluate posts about "cash flow-positive" properties that may misrepresent the realities of mortgage regulations. With sharp insights and candid commentary, this episode is a must-listen for anyone navigating Canada's housing and economic landscape.   #TheGreenEffectPodcast #CanadianEconomy #RealEstateTrends #MortgageUpdates #GSTHoliday #EconomicInsights #HomeBuyingTips #MortgagePolicy #HousingMarket2024 #FirstTimeHomeBuyers #RealEstateInvesting #FinancialPlanning #StressTestChanges #MortgageAgentLife #ConsumerSentiment #CashFlowProperties #CanadianHousingCrisis #GovernmentPolicies #HousingAffordability #PodcastLife #MortgageAdvice #RealEstateNews #MarketAnalysis #InflationImpact #StephenGreen     Instagram, YouTube, Facebook, TikTok: stephengreen.ca
🌟 Green Effect Podcast Season 4, Episode 23 🌟   Podcast Update | Trump Impacts on Canada and Beyond | Current Mortgage State and Rates | Reaching out for help.   In this episode of the Green Effect Podcast, Stephen Green discusses the evolution of his podcast, the current political landscape with a focus on Donald Trump, and the economic impacts of his policies. He delves into the housing market dynamics, emphasizing the importance of working with knowledgeable mortgage professionals, and highlights the significance of consumer sentiment in financial decision-making. Green also shares personal insights on managing ADHD and the necessity of seeking help in financial matters.​   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
🌟 Green Effect Podcast Season 4, Episode 22 🌟   Unemployment Stats - True Meaning | Market Update - Months of Inventory | Temporary Workers - Impacts | Pointless 30 Year Am for New Builds and First TIme Homebuyers   In this episode, Stephen Green discusses various topics related to the economy, employment, and housing market. He provides updates on the unemployment rate, particularly for young people, and highlights the challenges faced by students in finding summer jobs. He also talks about the high immigration rate in Canada and its impact on the economy. Additionally, he discusses the role of the Office of the Superintendent of Financial Institutions (OSFI) in regulating banks and the delay in implementing minimum capital requirements. Stephen also shares his insights on the current housing market and offers advice for first-time homebuyers.
📢 New Podcast Episode Alert! 🎙️   🌟 Green Effect Podcast Season 4, Episode 21 🌟   Future of Real Estate Agents and Mortgage Brokers | A BUILT Business on Social Media | Developing Your Brand   We have TWO incredible guests! In this episode, Madelyn Townes, Real Estate Agent from Remax, joins Lacey Morrison and I. Madelyn shares her incredible journey of leveraging social media, particularly TikTok, to skyrocket her real estate business. 📈🏡  Our co-host Lacey of The Broker Social fame, adds valuable insight from her side of the business where she helps agents grow their business through social media.   Madelyn opens up about her initial struggles in the industry and how going viral on TikTok changed everything. She emphasizes the power of relatability and authenticity in connecting with modern consumers. 💡✨   Madelyn and Lacey dive deep into the significance of being authentic and unapologetic in the real estate world. They break down preconceived notions, share tips on handling negative comments, and highlight the importance of staying informed to create engaging content. 🌟🗣️    Tune in as she discusses the future of the real estate industry, the importance of providing value beyond transactions, and the challenges of personal branding and evolving partnerships. 🤝📲   Don't miss out on this inspiring and informative conversation! 🎧✨   #RealEstateJourney #TikTokSuccess #AuthenticBranding #RelatableContent #SocialMediaGrowth #ModernConsumers #RealEstateIndustry #ValueBeyondTransaction #PersonalBranding #Partnerships #StayInformed #EngagingContent #RealEstatePodcast #InspiringJourney #ViralSuccess #RealEstateTips #ClientRelationships #HandlingNegativity #UnapologeticallyYou #BuildingTrust #CreatingContent #ValuableAdvice #FutureOfRealEstate #PodcastEpisode #ListenNow #MadelynTowns   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 20   New format - REALLY LIVE! | Increased Volumes | What will Tiffyboy do? | Inflation Report Recap | Appraisal Trends   🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the challenges and rewards of entrepreneurship. 🏡 🎙️   🔍 In This Episode: 🏡 Updates on the real estate market: increased listings and buyer-seller negotiations. 📊 Analysis of recent unemployment numbers and the potential actions of the Bank of Canada. 👥 A sneak peek at upcoming episodes featuring real estate agent Madelyn Townes and social media expert Lacey Morrison. Don't miss out on these valuable insights!   🎧 Listen now on your favorite podcast platform.
The Green Effect Podcast is LIVE!   Season 4 - Episode 19   Building a Brand and Business | Canadian June Unemployment Stats | The Current Housing Market | Tiffyboy and What He's Thinking for July   🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the challenges and rewards of entrepreneurship. 🏡 🎙️   🔍 In This Episode: 🏡 Updates on the real estate market: increased listings and buyer-seller negotiations. 📊 Analysis of recent unemployment numbers and the potential actions of the Bank of Canada. 👥 A sneak peek at upcoming episodes featuring real estate agent Madelyn Townes and social media expert Lacey Morrison. Don't miss out on these valuable insights!   🎧 Listen now on your favorite podcast platform.   #GreenEffectPodcast #PodcastRelease #Season4Episode19 #StephenGreen #SelfCare #Entrepreneurship #RealEstateMarket #MortgageBroker #UnemploymentAnalysis #BankOfCanada #RealEstateUpdate #BuyerSellerNegotiations #BrandEvolution #BusinessChallenges #RealEstateAgent #SocialMediaExpert #MadelynTownes #LaceyMorrison #PodcastSeason4 #PodcastCommunity #NewEpisode #StayInformed #RealEstateNews #EntrepreneurLife #MarketUpdates #PodcastAnnouncement #ListenNow   Instagram, YouTube, Facebook, TikTok: stephengreen.ca                  
The Green Effect Podcast is LIVE!   Season 4 - Episode 18   Social Media Impact for Realtors | Challenges for First Time Homebuyers and the Condo Market | The Current State of the Housing Market | Clients First and the Client Experience   Join host Stephen Green and guest host Bryan Braga, Mortgage Agent with The Financial Collective on the latest episode of the Green Effect Podcast as they sit down with Realtor Scottie Henderson. 🎙️   🔍 In This Episode: 📲 The importance of originality in social media marketing. 🏡 The evolution of Scottie's real estate career. 💡 The impact of social media on selling houses. 📊 Tracking the effectiveness of marketing strategies. 📉 The current state of the real estate market, especially in the condo sector. 💰 The challenges faced by first-time homebuyers and the over-saturation of the condo market. 👥 How friends and families are pooling resources for larger property purchases. 📈 The significance of long-term investment strategies in real estate.   Tune in to gain insights on navigating today's real estate challenges and the power of authentic marketing!   🎧 Listen now on your favorite podcast platform.   #GreenEffectPodcast #StephenGreen #ScottieHenderson #BrianBraga #RealEstate #SocialMediaMarketing #Authenticity #MarketingStrategies #RealEstateMarket #CondoMarket #FirstTimeHomeBuyers #InvestmentStrategies #BuyersMarket #RealEstateTrends #Condos #PropertyInvestment #LongTermInvesting #FamilyInvesting #OriginalContent #SellingHouses #SocialMediaImpact #Metrics #TrackSuccess #PodcastEpisode #ListenNow #RealEstateInsights   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 17   In the latest episode of The Green Effect Podcast, Stephen Green dives deep into some of the most pressing topics affecting the Canadian real estate market and economy:   🏦 Bank of Canada's Rate Drop: How will this impact your mortgage and the housing market? 🏡 Affordable Housing: Insights on Justin Trudeau's latest comments and their potential effects. 📊 Employment Numbers: What do the latest figures mean for Canadians and the economy? 🏠 Property Appraisals & Additional Dwelling Units: How these changes could benefit homeowners and investors.   Tune in for expert analysis and stay informed on how these developments might affect you!   #TheGreenEffectPodcast #RealEstate #CanadianEconomy #BankOfCanada #MortgageRates #HousingMarket #AffordableHousing #JustinTrudeau #EmploymentNumbers #PropertyAppraisal #AdditionalDwellingUnit #ADU #HomeInvestments #CanadianRealEstate #Podcast #StephenGreen #Finance #EconomicInsights #HomeBuyers #RealEstateInvesting #Homeowners #MarketTrends #MortgageBroker #RealEstateNews #PropertyManagement #CanadianPolitics   Instagram, YouTube, Facebook, TikTok: stephengreen.ca    
The Green Effect Podcast is LIVE!   Season 4 - Episode 16   The Power of Social Media | The Power of Partnerships and Referral Sources on Social Media | Authenticity and Relatability in Social Media Content   In this episode of the Green Effect Podcast, Stephen Green interviews Lacey Morrison, the founder of Broker Social Club. Lacey shares her journey of transitioning from being a mommy influencer and goldsmith to becoming a social media expert for mortgage brokers. She emphasizes the power of social media in building communities and establishing trust with potential clients. Lacey encourages authenticity and relatability in social media content, rather than focusing solely on marketing. She also discusses the importance of consistency and patience in building a social media presence. Lacey advises new mortgage brokers to focus on building relationships and trust with their target audience. In this part of the conversation, Lacey and Stephen discuss the topics of being offended, cancel culture, and the importance of being mindful of what you say online. They also talk about the value of building a community on social media and the potential risks and benefits of using social media as a mortgage broker. Lacey shares her experience of dealing with online harassment and emphasizes the importance of privacy and security measures. Building solid partnerships and referral sources is key to growing your business on social media. It's important to create content that speaks directly to your target audience and also appeals to potential referral partners. Authenticity and consistency are crucial in gaining trust and building relationships. Boosting high-value content can be more effective than spending money on Facebook ads. Organic reach and engagement are valuable in attracting and retaining clients.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 15   Real Estate Investing, Joint Ventures, Kingston Real Estate, Successful Student Rentals with René Masse, Investor/Realtor/Coach/Entrepreneur   On this week's edition of The Green Effect Podcast, we have Rene Masse…or whatever his name is! Rene is a successful investor in the Kingston area as well as a realtor in Ontario. We talk about what a successful residential rental property looks like as well as the advantage of working with student tenants. We talked business in general and how he ended up in this line of work.  Finally, I give Rene and unlimited budget to fix the Ontario landlord-tenant board…listen for his solution!   Make sure you take a listen to Rene's podcast The Rene Masse Podcast…especially Season 5, Episode 15!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 14   Current State and Future of Mortgage Broker Technology with Tom Hall, Co-Founder, Blu Mortgage!   Very excited to have Tom Hall, Co-Founder of Blu Mortgage visits The Green Effect Podcast!  Tom and his company are leading the industry with incredible mortgage technology solutions. Their Blu Mortgage platform is an industry leading solution for top performing mortgage agents and brokers in Canada. Pathway Pro, The Financial Collective's Top Level Mortgage Agent Platform is built on Blu Mortgage.   Tom and I talk about the current state of mortgage technology in Canada as well as where he sees the biggest gaps on the technology side of mortgage brokers. We talk about where he sees the industry going as well as a great discussion on which mortgage brokers will truly make it in the industry going forward.  Finally, we chat about automation, what it means to mortgage brokers, and how powerful it could be to deliver an exceptional client experience.  If you are a mortgage broker, agent, specialist, professional, you need to listen to this podcast!   Make sure you take a listen to Tom's podcast Mortgage Tech Talks.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 13   Mother's Day Weekend | Mortgage Broker Fined for Fraud | Canada Post Woes | Jobs Numbers - Good but Bad | Tenant Ordered to Pay A LOT of Money for Non-Res Landlord   In this episode, we explore a bunch of stuff starting with the joy of Mother's Day Weekend. We'll discuss how my wife and I spent our day…watching a roast! Switching to a tougher topic, we'll dive into the recent scandal of a mortgage broker fined for significant fraud, dissecting the details of the case and its repercussions on the industry and trust in financial professionals. The conversation then turns to the latest difficulties at Canada Post, where they're kind of out of money with a declining usage rate. On the economic front, the new jobs report reveals a good news/bad news situation —promising numbers shadowed by underlying economic concerns. We'll break down what this means for the average worker and the economy at large. Finally, we cover a contentious legal decision where a tenant has been ordered to pay a substantial amount to a non-resident landlord, sparking debates on tenants' rights and property laws.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 12   Federal Budget Fallout | Rates.  Up? Down? Sideways? | Death of the Middle Class | 3.9 Million Homes? | Now What?   Join me this week as we dissect the most pressing economic issues. First, we delve into the recent federal budget's fallout—what it means for the economy and how it affects you. Then, we'll break down interest rates: Are they going up, down, or holding steady in this unpredictable financial climate? I'll also discuss the alarming trends contributing to the death of the middle class, and what policies might help revive it. Plus, we'll explore the reality behind the headlines of 3.9 million homes and which planet Disney+ Lady and J.T. are living on this week.  Tune in for insightful analysis and thoughtful debate on where we go from here!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 11   Market Update - Housing are moving! | Halal Mortgages - Clarity | Stupid Things My Prime Minister Says | Housing Thoughts and Where We are Going   We start the podcast this week with our usual market update going through the happenings of offers on homes and mortgage rates.  We then begin to break down the federal budget that was released. We need to dispel the misinformation about Halal Mortgages. From there, we break into talking about where our housing numbers and behaviours are right now before we can really understand how much of a disaster this federal budget really could end up being.  This is one of our bigger thought-provoking podcasts.  Love to hear your comments.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 10   Guest Appearance with Bryan Braga, Mortgage Agent with The Financial Collective!   Bryan visits us to talk about his journey as a new Mortgage Agent in this insane market.  We chat about COVID and the impact on all people who were looking to grow their careers at that time.  Dive into the circle of life: Go to school, work, retire, and die…but, can you break the cycle?  We go over his thoughts on the market specifically for millennials.  Bryan is one of the only people who really understands starter homes, so we talk about it! Finally, how he sees the mortgage world and mortgage brokering evolving.    Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 9   Monitor problems | Social Media Consultant | Market Chat | Employment Numbers | CMHC Predictions | Bond prices and fixed rates   Nuts-o week!  I hit on all three of The Green Effect Podcast's main topics…Finance, Life, and Business.  I start by talking about my new and incredible experiences with a social media consultant. I then give an update on the real estate market and all the insane things that are going on. Canadian employment numbers are out and CMHC comes out with some very interesting predictions over the next couple of years around house prices. Finally, let's talk rates…because who doesn't love talking about where rates are going to go and the bond market.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 8   Market Update - BIG Shifts! | Shameless Plugs on Programs: TFCMP.ca and PremierePartner.ca | Immigration Number CHANGES! | OSFI is ALIVE and Talking!   Really interesting week in the market…things are very much picking up and we talk about it. We've got some incredible new programs that we also chat about that you need to know about! We finish with two humungous announcements around lowering immigration numbers in Canada as well as OSFI coming to the table with some changes for mortgage lending into 2025.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca
The Green Effect Podcast is LIVE!   Season 4 - Episode 7   Market Talk | The B.O.C. Announcement - Now What? | Economy Worst Than Appears? | Rental Property Challenges   Let's talk what is going on in the market! Multiples, over list price, going firm. Like it's 2021 all over again! Is the economy worst than things appear?  We have high debt to income household debt and high business insolvency…not good.  The B.O.C. and their thoughts on the housing market NOT being their problem.    Instagram, YouTube, Facebook, TikTok: stephengreen.ca
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