Rural Properties, Country Homes, Horses, Income Properties, Cold Showers & Coffee with John Paul Gulbis

Transcript

00:00:00 Hey everyone, it’s Tom Karadza and this is my fourth attempt at recording this introduction, so hopefully this one works. So we sat down with JP Gulbis, John Paul Gulbis on this episode just to catch up. We’re running around so much here at Rock Star. He’s doing so much. We’re all doing so much that we never get a chance to just to sit down and chat and he’s such a great guy. I do want to chat with them. So we used this podcast episode is an excuse just to sit down and catch up, so you’re kind of like ease dropping in. Just a conversation between us and we’d go all over the place because I had some questions on on rural properties were rural, rural, rural, can’t say the word country properties. Properties that are outside of the city. Rural properties. Anyway, JP knows about such property, so we started talking about this stuff.

00:00:42 JP Gulbis here. He’s one of the longtime coaches here at Rockstar who works with real estate investors to buy income properties and rental properties. All types, all over the golden horseshoe in southern Ontario area, um, as you’ll hear him explain a little bit, but he’s also into horses and rural properties. So I wanted to just ask them because more and more I’m thinking about that for myself and my family led. Do we ever buy a property outside of the city here? And uh, so I had some questions. He gives us some answers. I cannot speak highly enough about John Paul. That’s just a great guy with a good heart. If you hear about some of the testimonials from some of the investors that he works with it, we get back here at Rockstar. Like, I mean, it just melt your heart. The guy is just a great a person, fantastic guy knows real estate inside note at this point.

00:01:26 And on this episode we ended up talking about some crazy stuff as well. It starts going into some cold shower and immune system and liver detox. And I’m bulletproof coffee stuff at the end there as well. So we, we just Kinda have this meandering conversation. Hopefully you enjoy it. A little bit of a different episode, but I really enjoyed my chat and listen, if you’re listening to this and you are thinking about investing in real estate in this could be your year and you want to learn what we’re doing here. If you’re a beginner, experienced, advanced investor and you want to check out what we’re doing, the best way to do this to come to the free class that we offer, you can register for that class at Canadianrealestatetraining.com. So Canadian real estate training.com and the reason that we asked you to register for that class as our training room can only handle a certain amount of people and that class is packed every time we do it. So you need to register. That helps us out a lot. So you can do that at Canadianrealestatetraining.com. It’s a 90 minute class. Nick and I are both there. We stick around after the class to answer every question, all questions that you may have, we have a great time doing it. Um, and you can register for it at Canadianrealestatetraining.com. So let’s get on talking about rural properties with JP Gulbis.

00:02:32 Are you ready to live life on your terms? Is it time to take charge business? Building the economy, health and nutrition and more. It’s the Your Life! Your Terms! Show with Tom and Nick Karadza. Are you ready? Let’s go.

00:02:59 I’m here with the, uh,

00:03:00 the model, the horseback expert. I’m many the real estate investing, a extraordinary of superstar John Paul Gulbis. Howdy. And JP, I need to, into the car that you’re driving this car now. I thought you drove diesel, but you’re driving diesel now because these will not that much cheaper than gas. You’re just telling me you got this new car and it’s diesel. Why did you go diesel? And I’d get it. Uh, it’s more efficient. It still is. So

00:03:28 even now you could have got some hybrid thing that’s going to go about it. So you’re going to get more kilometers. One tank, you’re going to get what? 800 kilometer cable. So there’s multiple layers to why I bought that particular car. It wasn’t because it was diesel, it was because I could pull my little horse trailer with it. It has sunscreen and tell her what, what car is it is. It’s just a little a Mercedes GLK you felt like embarrassed to say Mercedes. That’s fine. I didn’t buy it because of that. I bought it because I could pull my horse trailer and I can get a ridiculous amount of kilometers when I’m not, which is I don’t pull very ridiculous. Like on the highway. Uh, I can average six point one liters per hundred kilometers.

00:04:11 Six point one liters per 100 kilometers. And how many. So how, what’s the size of your tank? Trying to do math in my head. Don’t?

00:04:17 No. How many kilometers you getting into your training? Or if I was to do straight highway it would be going over a thousand $1,200. $1,300. Okay. So that’s pretty good. Yeah. Okay. So it’s worth it. Yeah. And so it would probably look into these things a little bit. Well, again, the only reason I got it was I wanted overdrive. I wanted a smaller SUV. I didn’t like tall person, I found that after driving a small SUV, getting in and out of a car, I didn’t know, I didn’t like it. And maybe you’re just getting old, I guess. Yeah. I got into Nick’s car the other day. I’m like, Oh my God, I have to like, I’m just using my arms to push myself up. I’m like, what is this? And, and, and again, it just, with the amount of driving, like after this I’m going to London, you know, so on the highways it’s brutal doing rentals a, this is actually a single family home. Now we’re doing the walkthrough and then he wants to talk about just this will be his first one. So he wants to talk about, you know, marketing and getting it going. So I’m, I
00:05:12 see the car thing that these are thing makes sense though because when I got this, uh, so this one that I’m driving is an x five and uh, I got the hybrid just for the green plates, but on a full charge. It’s ridiculous. It’s 30 kilometers. Like if I turned the gas option off, I think I can’t remember if I’ve told you this. It’s 30 kilometers total, right? That’s all you get on one charge. Like I shouldn’t be even having these green plates on my car, but uh, but it doesn’t work that way, right. You’re supposed to use it in this hybrid mode so it just kinda kicks you off a red light when you’re at a standstill. You kind of are full electric until you hit about 50 kilometers an hour and the gas kicks in and the, and the torque off the electric is really nice. Huge. It’s great. Um, and then you know, when you’re on the highway sometimes coming off the highway, you’ll see it kind of kicked back in and stuff, but once you’re over 50, driving down the highway, you’re using gas

00:05:58 and that a little bit. So it’s kind of on and off and I find I’m getting a little bit more to my tank but not that much. Like the biggest benefit is the green plate, so I can selfishly drive on with my gas guzzler with the green plates on it. So uh, okay. But yeah, so it was just a combination of things that just met everything that I wanted in a small efficient package that was really it. And I can pull my little horse trailer loads of Torque. Not a ton of horsepower. It’s only got a 200 horsepower but the torque. So how many horses? One horse. Two horses. The trailer? Yeah. It’s two horse, two horses. Small little German trailer. So it’s designed for a little European cars because they don’t have big trucks in there. Where are you pulling the horses around to pull them from?

00:06:39 From where they’re stable to maybe when we go to our trainers, stable or to the horse shows or to God to the shows. Okay. But you’re training them sometimes not at the location they live. Uh, most of it is done there because you’re dealing with privately owned horses where people will hire you to come and help them out with their. I mean we’re, we’re kind of, it’s, it’s kind of a, it’s been a win-win where they’ve like the Batman of horse now. The horse. No, no, no, no, no, no. This is really just your opinion, pretty modest guy. So I never really know, like I would, if I was a professional making money off this, I would, I would admit it, but no, it’s not, it’s just there’s a, you know, met some nice people that have some nice horses and the need is they need to do something with them and you know, we have a good relationship with them.

00:07:26 So they’re like, okay, well we want to do something with them and we need good horses to ride. So it’s a win-win and, and um, you know, it’s not perfect, but it’s, it’s good. And we did, we did get to have our own now. Um, but they’re young so it’ll be, it’ll be along. So these are two that you own? Correct? Oh my God, they’re going to eat your money. They all eat my money. Yeah, he smokes you. I don’t think I knew that or maybe I knew you had won. I don’t feel like I just got them before these things. Um, one is things like they’re not listening. One is a Nagra, uh, and, and then one is just a between London and Woodstock and then we’re going to be swapping them out actually Sunday after the member event. And so you’re riding them and you’re going to take them to shows and stuff.

00:08:12 Those two, I haven’t, we haven’t written yet. The one in, in kind of Woodstock. He’s just been started. They’re both young. They’ve, they’ll. So the one. So you’re going to flip these horses like you’re going to raise one. We might the one we might sell. Yeah. Uh, and then the other one, we’ll see how they both turn out. You know, it’s, it’s hard to. It’s hard to gauge what they’re going to be. They’re both very well bred so they should be very good at whatever it is they do. Um, one’s a little bit small so I don’t know, but there, I don’t know, we’ll, we’ll find out. You know, their, their brain is actually one of the most important things, you know. So if they don’t have a good brain, then it’s hard to test that by the way they pick up your training. Uh, yeah. How they behave, how they pick up the training. Um, there’s, there’s multiple
00:08:56 things because there isn’t really one, um, one, uh, you know, you can have a horse that’s very difficult in the beginning, but they ended up being like the, the Olympic gold medal horse because they were so difficult. But it was something about them that was, you know, they were, yeah, they were just stubborn. And then once you’ve got them trained, stubbornly good. Exactly. They’re kind of freakish but more difficult where if you have like something that’s real push button in real easy, they may not have the heart to really get to the big stuff, you know. So yeah, I’m

00:09:27 hearing you say this is my, ain’t a or our aunt in Croatia, uh, passed away last week in this and really took a. yeah, she was really special to us too because she was one of, uh, our father sisters who really taught us just about different animals and she took care of all the pigs and the chickens and the cows. And I remember seeing how they would make. They would make the bowl and the cow over there like they literally what happened there is they would tie the cow to a tree if you’re. I mean this sounds so barbaric, but they would tie the cow to a tree with a rope that was maybe 10 feet long and the cow would just like run in a circle. They would then they would bring in the best bowl and they would, you know, try to make the bull, you know, mount the cow and produce a baby.

00:10:08 And I remember seeing that, watching that I’ll go down as a 10 year old and like a whole village comes together and the cows tied to the tree running in a circle. And this big bowl like mounts the count. I remember thinking, Oh my God, like this is this the same Canada anymore? But I remember also that have one of these things going back year after year. One of these babies. It was a bowl and and grew into a great size bowl. And my aunt sold the bull like we walked all day to a market. This is also why I freak out when my own kids can’t go five minutes in a car without water because my aunt and I walked with the bowl on the side of the road old, like it took us half a day to get there to the market. She would then sell the bowl and I always thought that was interesting because uh, sometimes she would sell the bowl and then buy a calf or something.

00:10:55 She needed a smaller animal, um, and we’d walk back with it and then she’d have extra money and I remember thinking, oh my God, like this is how she’s making money. She’s producing this animal. And then she’s like walking down, selling it. Sometimes she keeps all the money. Other times she uses the money to buy a small little female and then walks back home with it. And it would take us all day. Like we would leave it like, I dunno, six, seven in the morning and come back six, seven at night. Yep. And I remember walking with no water and like, I dunno, I feel like it was like 30 degrees. I guess this can’t be accurate, but I feel like it, it was 30 degrees each way and I don’t remember stopping for any water, so I always tell my kids like, I don’t understand why we’re in the car for five minutes and we need to stop for water anyway, JP, this I’m way off track.

00:11:37 But. So yeah, I didn’t realize it was kind of early on. I realized, oh my gosh, you can profit from animals in this way. Like I had never known that. I thought you raised what I had seen before. Then it was you raised them and I was always mesmerized by the pigs because I would see the men in the village go in and you know, one pig would feed a whole lot of people and the whole village would come together when they would. The pig was fully mature. They would take the pig, obviously kill it, and then they would. The whole village kind of worked on that pig taking every part of the pig and test times were used for sausages. The blood was drained and we were eating blood pancakes. I know, sounded gross. Um, was every part of the animal and like one animal could feed so many people.

00:12:17 It wasn’t everyone, not everyone was just using, looking for pork chops or whatever. Right. There was the pursuit dough made out of it, like it was so much and it just, I was always amazed by that aspect of raising animals. I had never seen like the buy and sale and like, you know, make the female pregnant. If it produces a good bull, you can sell it for profit. Just looking back, I’m like, oh my God, my family used to flip bowls. That’s the beef industry basically. Yeah, I guess. Yeah. And I saw it at this many small scale, but uh, but you’re right, I guess growing up in the city or growing up in a suburb like Mississauga just wasn’t really in tune with that here at a big scale and seeing it over there. Um, but nicknames at Nick’s daughter is into horseback riding.

00:12:55 She just got in, you know this, right? Because I think she just went bareback and held the main. I understand you can’t hurt them on the main and stuff like this. So you really need to sell in the inexpensive for my whole goal of him, his daughter, whenever I see her I’m like, Hey, has your dad bought you a horse yet? Like what do you mean you have to go and use the horse that’s. There you go. You should own your own house. So this is my way of getting him to spend money and just seeing his face that every day.

00:13:18 Yeah, it’s a, it’s a never-ending pit. Yeah, it’s, it’s not really a moneymaking venture,
00:13:22 at least at the low level passion. That’s about it. So what, uh, what I wanted to talk to you about was some properties around Toronto, some of the rural properties and price point stuff, um, over the holidays. I drove from here to up to blue mountain, go through a lot. I just love that area. I’m looking around at some of those properties and I can’t remember what you said last time I screwed up. Yeah, yeah. Well I don’t know what you screwed up or you did or didn’t screw up, but what? Give me an idea on price. But like, if I want to buy something outside of Toronto, paint me the picture on price points that I’m going to.

00:13:54 Yeah. So, so it’s really gonna I know last time you had said, okay, you know, halfway between here and, and, and calling. Yeah. You know, so you sort of threw me off because I was like, oh, okay. I’m, I’m picturing Tom’s house in Oakville and putting it in the country on x number of acres. And it was such a specific thing that it threw me. But no, you can get, you know, let’s say Dufferin County, it’s probably right smack dab in the center. Um, you know, it’s going to range from a million to 4 million depending on what you want on condition of the home, you know, whether it’s new square footage, how many acres. So there’s gonna be a huge range. Uh, can you get something over 10 acres for less than 2 million? One hundred percent, a hundred percent. You can get a really nice house for, you know, let’s say one point five.

00:14:44 And it could be upwards of 50 acres depending. There’s. So there’s, there’s nothing that’s specific. There’s a lot more sort of, you know, um, variances in what you could be looking for with that, that will determine the price as well. So how are we tracking? Are we finding these properties? Like are they all, is it like MLS, realtor.ca you, everything’s going to be listed because I find when I looked through some of those property, they just kept kinda confused the pitchers or sometimes just a barren land or you just see the house. I don’t get a good idea, but that’s still the best way to track all these things. Yeah. Well there they’re certainly going to be pieces of land that are, um, whether their agricultural land where you have the ability to build one house on it or make some sort of agricultural improvement like an outbuilding or something or if it’s already a developed a residential property that has a house on it and, but it, it could be the rest of the land could be farmland, it could be conservation land, it could be many things.

00:15:42 Um, but most of that’s all in the listing. Yeah, there’s not, there’s no secret to it. I don’t know if it was like so commercial real estate or apartment building specifically in Ontario. It’s such an old boys club. There’s no central database for anything. It’s more just the older commercial real estate brokers who know who selling and buildings are sometimes just sold with somebody tapping someone on the shoulder saying, hey look, I’m going to sell my 16 unit in kitchen, or if you have the buyer, here’s the price, and it’s just traded much more privately than residential real estate. Yet then I didn’t know if this is actually real properties is kinda like what you’re describing is definitely an old boys club because it happens at a more local level when you start to deal with, um, some of these bigger estates there, you’re gonna to the higher price point.

00:16:32 You’re going to start attracting international buyers. So depending on where you are, like, you know, uh, even north of Toronto, I’m at some of these even sort of like York region, you know, some of these racing stables and things like that. You’re going to have some international clientele that might be looking at a property like that. So someone from where someone from anywhere, Germany, Saudi Arabia, anywhere are buying around here. I’m not saying that that, that is who’s buying, but that’s a definite possibility. Five hundred percent. Okay. And then how much more am I paying for a house on acreage? You pick the number but with some kind of stable or bar, what am I telling? It really depends. Depends on the condition of everything. Uh, depends on the condition of the barn, the stable, the, the, all the improvements. It will really depend on what state they’re in, what the use is going to be, how much do they need to be upgraded, renovated.

00:17:26 Are they brand new and turnkey and what a modern facility would someone would be looking for. So they’re going to come with a higher price tag. Um, but then it also will depend on the home. That’s honored as well as share. Okay. The home makes sense. What is. But what I don’t understand is what is a modern barn or stable? What’s the language? Barn? No, stable for horse? It’s the same thing. Whatever. What is a modern one look like? Because the one I was okay, because the one I was in an Ohio probably like six months ago, I went to one in Ohio, the picture of you and Dan Kennedy, Dan Kennedy looked like an old. It was all like, I mean, those, those horses were in there and I guess they were all being taken care of really well. So. But that was the what, what kind of breads? So those are um, like trotting horses. So they pulled the little carts and. Yeah, that’s right. Yeah. So yeah, I mean

00:18:17 that like there’s a, there’s different. I’m just like in, in show horses, there’s sort of different levels of, of um, there’ll be different tracks with different levels. So for example, there’s 40 relay race track for thoroughbreds, and then there’s Woodbine. If you have a good horse, you’re going to want to take it to Woodbine a, if it’s a horse that’s maybe failed at Woodbine but still have something left in it, you might try at 40 eerie. So there’s, there’s different levels of, you know what I mean, like it’s just. And there’s nothing wrong with that. It’s the same with the show horse community, there’ll be different circuits. So there’s like, so for example, next daughter is just starting out, so that would be like a very, like green level competition if she was to go into like a beginner level and then there would be like a b level which would be like a provincial type of level and then there would be, what would, what we would call the a circuit which is the national circuit. Um, and it doesn’t mean that you’re going to compete, uh, in different locations nationally even though a lot of writers do and they actually do international, but those, those events, um, they, they actually have the higher level of competition that were international writers would be competing for points. So it could be for a world cup or something like that or points to go to the Olympics or that kind of thing. So there’s, it would be like hockey, like

00:19:46 junior. Okay. The exact same line to it. Yeah. Okay. So, uh, that barn I was in was pretty beat up pretty old. What’s a modern barn look like these days? Like that didn’t even have heat it, you can, you can go as fancy and as crazy as you want. Like. So some people around Toronto are going super fancy. Oh yeah. You should see some of the racing stables, like King City, like, oh my God. Like, like, just massive, like everything is like

00:20:13 timber wood detail, like big huge heat lamps and the like, you know, rubber flooring throughout, like everything is just super high end crash or a polished brass like stuff like.

00:20:28 Yeah, I mean as, as luxurious. You want to make it? Yeah. I guess because I’m not in that world. I don’t think anyone would spend money. Do you need it? No. You got it. Okay. Did you don’t want something that’s run down either. It just depends on what you’re doing. Okay. And then what you said standard bread. What’s the dangered bread versus what? So a standard bread is a horse that’s bred for trotting

00:20:48 like Dan Kennedy does. And then a thoroughbred is something that’s bred to gallop like they do at Woodbine. So like the Queen’s plate and the Kentucky Derby and you know, the big stuff. Okay. Um, you don’t get quite as big money in the standardbreds as you do with the thoroughbreds. I can’t even imagine being behind like 10 horses on that little cart that they ride on with the two elements. Like feeling like if I fell off on that thing, he told me that he got trampled once he was in a wheelchair for a little bit and I’m like, oh my God, she’s still do this. You think that’s crazy? That’s nothing. You should just one time when you were looking for something to get sick over watch the grand national in, uh, in England and it’s a steeplechase. So that’s thoroughbred racing, but it’s steeplechasing and I mean over the, it’s basically around a grass track with these, with the steeple, with the select, with a water behind them.

00:21:37 It’s basically a huge hedge of brush. And then like there’s a pack of like probably like 50 horses that jump over it. And as they all jump over within the first jump, probably five crashed and people are, it’s just a tangle of mess and bodies and people die. Horses. It’s just brutal. They’re still running this a man, I don’t even know how they get away with it, but yeah, they’re doing, what’s it called? The grand national. Holy Shit. I had no idea. It’s pretty rough. It’s pretty rough, but it’s big. It’s still big over there in Europe. End Standard bread and thoroughbred. Is there another one that I’m missing for racehorses? Uh, well there’s endurance races and typically you’re gonna see a lot of Arabian horses, which were a lot of, uh, most horses originate from Arabian and Iberian horses, which are Spanish, Portugal and, and um, and basically the Middle East.

00:22:28 That’s where they developed more modern breeds. You could argue that maybe like on the Mongolian steppe or somewhere in Russia, you had these little hard, a little rough things that, that’s where it really started. But yeah, modern day pretty much started in the Middle East and, and, uh, the Iberian peninsula for jumping horses are showing that’s a totally different breed. Yeah. So that’s when you took the draft horses from the Middle Ages and then to make a good war horse, they would breed them with these, a finer potter horses. When I say hot, I mean really excited, like something built for speed and fast lighter. So that would be your Arabian. You’re more thoroughbred Arabian type horse or, or the Spanish breeds. Then they would mix it with like a plow horse and then you would get something that was a nice mix. So like an SUV basically you’re not getting the biggest like dump truck and you’re not getting a Ferrari but you’re getting a really like capable SUV, you know, like … I don’t know what’s that like the g class or something. That’s basically what you’re getting. So what that does is it gives you a horse that’s big enough to carry a man with armor into battle but still be agile enough to move around in battle. So you’re, you know, you’re not pulling the cannon with it, but you know, you’re not gonna win a race on it either, but it’s, you’re, you’re going to crush some people.

00:23:47 Yeah. Sometimes I think I know a lot of shit. And then I hear you talk about this stuff and I realized how little I know about anything. I swear it. This is all brand new information to me. I didn’t even know about this race in England. All these different horses, rural property like I, I know about going to farmland in, in Europe, but like rural properties up here, clueless septic tanks, all that kind of stuff. Clueless. Are you dealing with all. So in the rural property stuff, are you always dealing with septic tanks up? Pretty much. So give me the checklist. Someone listening to this that wants to buy something.

00:24:16 Okay. Well here’s a good segue. So, um, I think last time I gave the URL of landandtitle.ca. It’s just our website. Uh, unfortunately we’ve, we’ve changed our hosting so it’s down right now. However, if you go to, um, you have no, right. I do a. where is it? I know I wrote it down Niagara. Oh my God, Aimee is going to kill me. Oh, here it is. The country home guide.com and he’s been taking the reins on this one and that is basically going to be a all sorts of information on if you want to go buy a property. It’s like your guide to buying a rural or country. You guys have put this together. Yes. The Country Home Guy Dotcom. Yeah. Country home guide.com. Okay. And that’s a checklist. It’s, it’s beyond the checklist. It’s um, basically what it is is you’ve got a price ranges of have different properties in different, like basically we broke it down to the 10 sort of top regions in southern Ontario, so from price ranges to a map of where that region is to community information and then all sorts of things from, you know, how you’re going to live on the property with services and things like septic and water, things to know about conservation easements, all that kind of stuff.

00:25:37 Um, and so basically it’ll get you started and it’ll give you a ton of things to think about and consider a. and then of course from there when you want to buy something then just call us. What about, what about the financing options on it? Yup. So financing is going to be. And

00:25:54 the reason I’m asking this and I don’t know if I’m getting old, uh, I am turning 46. Um, but, and everyone seems to be telling me all of a sudden the, that, you know, 46 is for, you know, you’re starting to get old, but I just don’t feel, I still feel like I’m in high school, but it’s a more and more I just want to have a property where I can open my front door completely naked and nobody sees me. Like I just, that’s like a dream to me. Whereas like you can’t. And in Oakville where we’re living in you, I just want to open my door and not that I’m going to do this for anyone listening thing, some, some kind of Weirdo. It’s not like I’m coming to do this by just want the ability to, you know, like I just want to know that I can, you know, I don’t want to always just people all over me and uh, I don’t know why exactly that is, but I just wouldn’t mind getting a property somewhere in Ontario that just got a little bit of land a little bit away from the.

00:26:43 Yeah. Maybe I’m not
00:26:43 even there all the time. Sure. You know? Yeah. We did talk about this one time that I really think we need to start the Rockstar barn where we buy a piece of land. We have a big ass barn on it with a big rock star logo and we have our Christmas parties there so we have big barn parties because barn parties or way to go. You have a big barn party, but then we also have beautiful gardens where you can grow tomatoes and cucumbers and stuff and we have some animals there. We have a little crew kind of managing the property. We all get to use it and grow, grow our food there together. We raised some animals, some that we can eat, some that we can kind of train, you can kind of train stuff. I just feel like this is a great opportunity. I’m in. I know, I know you are. Um, but that, so that’s why I’m interested in the financing. Is it just like residential buying a property here or like how high loan to value or the bank’s going to go to on this stuff? I know it can be, it can be 20 percent. It really depends on, on how the property is zoned and then how big the property is. So, um, if it’s, if it’s

00:27:36 zoned agricultural and has a house on it, then you’re going to potentially need to go to a. it’s actually don’t need to go to a specific lender. You could go to say farm credit Canada, you know, is one lender that deals in farms.

00:27:51 I’ve never even heard of farm credit Canada.

00:27:53 Yeah. They’re probably like the big sort of like we have the big, you know, the big five banks, they’re like the big one for ag. So for farmers and people that need um, loans on large pieces of equipment that cost a quarter million dollars, like they will help finance that kind of stuff. Um, but you can also get those financing from traditional banks too. You just have to go to the right person at that bank. So you’d go in or you do some research online and say, okay, who, who handles large farms, let’s say, or agricultural properties that Scotia Bank and you would find out who that is. Um, so uh, but farm credit Canada, there’s one in every town so you know, you can, you could start there if you want and then you can, you know, see who might be the best fit or who’s gonna offer you the best sort of product for what you’re looking for, but for what you’re looking for, you probably don’t need it.

00:28:46 Like I sold a friend of mine 23 acres in sometimes and some of it was agricultural land and so some bank is going to look at that and go well will only finance what we feel the value is on maybe up to 10 acres as just your little playground with the house. But the other 13 because it’s ag land, we’re gonna, we’re gonna look at that differently and then you’re going to have to either pay cash for that portion or come up with 50 percent of that or some, some variation of how they want to structure it. So there’s not really one. One, you know, one

00:29:25 issue. How do they define if it’s agricultural, like it’s just at their discretion there. Like zoning has a lot to just like you’re buying a, uh, like a multi-unit property. One, one, one parcel of land can be zoned differently on that parcel because it’s big enough. So part of it could be zoned residential, part

00:29:42 of its agricultural. Well that does. Generally speaking, when you have a chunk of land that’s zoned agricultural, you’re allowed to put a house on it. Okay. One hopes. Well, depends. It depends on what the bylaws are for that piece of it. So you got to check every city, you know, because a lot of places like let’s say these, these mega ranches in the West, you’ve got the owner’s home which is like the estate home or whatever and it could be gigantic and it could be some absentee owner, you know, that lives in La or New York or whatever. And they only visit however, it’s like a 15,000, 20,000 Acre ranch that has full time staff so they have to live somewhere. So they have other homes on the property for the staff. So it just depends on the property. I mean that’s the extreme, but I’m even horse farms.

00:30:33 They have staff, a staff accommodation. So your buddy who bought this, why did he buy it? And we had our eye on this property for a while, uh, agricultural land that he bought it. Yeah. So it used to be a thoroughbred racehorse training farm, uh, that, you know, the, the improvements on that where since demolished, it was probably in the sixties or seventies. Um, and then so big, a big chunk of the land was, was rented out to a farmer who had, was cycling soy and corn and different things. So, um, they, they bought it, but the financing with that property, the bank allowed them, um, just to do traditional residential financing. So again, there isn’t like a one hard rule depends on the lender and depends on what they sort of see how they feel about the property. Now that property is right on the edge of town, so they may have felt that, um, it wasn’t too far removed, it wasn’t too big.

00:31:34 Like there was some things that they were comfortable with just financing as a resident, which, where’s this one? So it’s right at the edge of where you’re probably not going to be familiar with the little, I guess, enclaves in the Niagara region, but basically where Saint Catherine’s meets, um, Pelham meets Lincoln. So it’s right at the top of the escarpment and it kinda overlooked. St Catherine’s and it’s a beautiful spot. He got a steal on it. This was just before St Catherine’s took a, a huge upswing. Yeah. So how much did he pay for this one? Tell us how many acres? Twenty three. What did he pay? Four hundred and 90,000. So yeah, no, I know how many years ago. Um, I don’t remember exactly what, three acres for 400. 90,000. And what’s on it? There’s a house on it. Uh, how there was a big gap. When are you buying some? I know if the timing was what is.

00:32:31 So what is something like that selling for now? Oh, I’m sure it’s doubled already. Yeah. Four hundred and $90,000. Yeah. Because he, he, he, he, he redid, he’s improved the house. Um, he’s improved the outbuilding, which was basically just a big to bay, like shop garage. Um, and then he planted I think two or 3000 trees. He took over one of the fields and then he’s still rents the one to a farmer and then he planted like 3000 trees. It’s right on the edge of the escarpment. So you’ve got the bruce trail running through your backyard. Pretty much

00:33:01 like, it’s just amazing like the property you are so do to buy something like this, like I know prices have gone up, I know, but you’re going to have to buy something like that.
00:33:10 I have my eye on a piece of land, uh, in Alberta a, it’s $150

00:33:17 and apparently there’s deals going on in Alberta right now. Well listen to Paul when he this. So the getting back to

00:33:24 you were talking about farmers or ranchers in this, in this case. Um, I was out in Alberta and BC with Damien and some of her family in the fall and we stayed at this one ranch and whenever I think I’ve mentioned, whenever I go to these places I ask a gazillion questions. So I want to know, okay. When did your family by the property, how much do they buy for et Cetera, et cetera. So, um, I, I, her, her grandfather bought it in the mid-fifties or sixties, I think it was a mid-fifties anyways, it’s about 65 years. It’s been in the family. They own 2100 acres on the eastern slope of the rocky mountains. So you go over the first set of foothills and then their backyard is literally

00:34:09 the rocky mountain. Uhm, it’s just this huge, like just valley that goes up

00:34:15 and then the mountains are like literally in their backyard. It was stunning. I said, okay, so what did they pay for it? And he said, or she said $10 an acre, right? There’s a hundred and 50 acres and those are called quarter sections. And there was one just up the road for her for 400. And what was it? Four hundred and 50,000 or something like that. So it was $10 an acre, 65 years ago. And now for a hundred and 50 acres it’s 450,000. And this is just grazing land. There’s no improvements on it, maybe a fence and that’s it. So I did the math on that and I was like, that’s gone up like over 200 times in value in 60 years. That’s just insane, you know? Uh, so I mean you look at this type of stuff and you have to look at it like I’m like, I would say like an apartment building, you know, it’s not the quick in quick out. You have to have like sort of a longer, longer

00:35:14 term and it’s not really pretty senior apartment buildings producing income. Right. So this wouldn’t be producing income? No, it’d be great. It could be. Yeah. So are you producing how much money you’re making off grazing land? Well that’s open that up to farmers. So yeah, you’d paddle on it. Yeah. You’d rent it out to a ranch or at least the land probably peanuts. No, it, yeah. What would it. Okay. But there’s something there, there is some potential for income. It’s real value of the land

00:35:38 at the end of it, and I know we touched on this before, but when you get in these spots where it’s just super beautiful and picturesque, it really exceeded your moving to Alberta. You’re not going to be doing anything here. You’re going to be moving to A. Yeah, I mean you’ve talked about different things on and off enough that you’re going to be moving to Alberta. But that comment you said about the land that, that really kind of freaks me out is that, um, yeah, the land hasn’t changed, but the price has changed. Like this brings me back to when I first week out of, but the value of the dollar and how much we lose value, you know, oh, that just freaks me out because nothing has changed about the land yet, but our currency goes down in value so much that you hear these things and you’re like, holy smokes.

00:36:19 Just, it completely freaks me out where it’s like nothing has changed on that land. They didn’t have, they developed anything with that land. Uh, they put another, some 300 acres. So it’s like it’s a small percentage-wise, they’ve not made any change, but the dollar value of that has gone up so much freaks me out, which makes me just think that that the grazing cattle. So cattle is a commodity. Beef beef is a commodity. So the value of cattle has also gone up. The cost of a steak has gone up. Right. But the guy who really makes a lot of the money is the middleman. It’s not really the rancher. So it’s a lot of these ranches are getting pushed out because of the price of the land has gone up so much. It’s very difficult for them to expand because it’s very expensive to buy good land to graze cattle on their competition for this land.

00:37:10 Like who’s, who else is bidding up the lane in Alberta. Rich people just. They want the land. Yeah. Shit. I would want the land to. Exactly right. So. So it, it’s like at the end of the day, he who owns the land, why do we want this shit? Because it’s going to die anyway. Why don’t we want this though? Because I just want to open my door and see the rocky mountains. So if you think about like, and I asked them, I said, well how many cattle do you have running on this? And I think they said like 90 head, like it was probably half of the capacity they could have, they could have had a lot, a lot more and um, and you know, and I think she said it’s like, I don’t know if it was the net income or the grove. I didn’t, I can’t remember the detail, but about 90 grand.

00:37:53 I figured that she probably made a year or something. So they’re not there. They’re land rich. The ranch is probably worth $15. Million dollars or something. No, no, no one can refinance piece of land. So if they want to get it, they’re basically selling it or selling a chunk of. And that’s the challenge. And then when you get into a state planning, because uh, you know, the government only allows you to do certain things. And I’m no expert on this so I’m not going to go. I don’t know a lot about it, but yeah. So it’s very expensive when you have an inheritance tax, so you have to be very, uh, like if your land is worth $15,000,000, but you make $90,000 a year for you to be able to pay the tax to hand it down to. So extremely difficult. So a lot of these ranchers get wiped out.

00:38:38 We’re bringing our accountant actually next Saturday. This is why we’re bringing them on. So I’m not sure when you’re listening to this, but one of our events, we’ll bring out our account to talk about how you hand down properties and land because it is complicated in Canada and there is no magical, perfect way to do it. So you can get as tax efficient as possible. But, uh, it’s pretty much a disaster. It is. One of the nice things that you can do that the government would help you out with is, is handed over to a concert conservation easement, which will allow you to minimize the tax burden because, or you put it into a land trust. So in perpetuity it’s never developed. And so the government gives you, uh, basically, uh, you know, applauds you for that and gives you tax breaks to do that. So that’s how a lot of people are doing it so they can continue to use the land and continue to use it in their family, but they don’t, they can sell it, but they’re not able to subdivide it.

00:39:30 They’re not able to do different things. I mean, of course there’s going to be cases where they are allowed to do certain things, but it’s a lot more stringent. So I feel more Alberta people on here because you’re in, you’re telling me in a, in Alberta, cattle ranchers are getting priced out because people are buying. It’s not just an Alberta, it’s just the ranching or farming business in general, you know, now I mean, okay, so true. Local, you know, you listen to that. And I thought it was great. And um, you know, so I love what they’re doing. Oh, it’s great. I mean, they go in there basically supporting local farmers who don’t have to do the marketing, don’t have to do the work. The farmers keeps doing what they’re doing. True local gets the meat, it’s packaged by the farmer. They’re basically the middleman.

00:40:13 You select what cuts you want. I love it. Yeah, look, I think it’s so that that sort of like small scale farm where it’s more like more like a boutique farm where you get golf, the grass-fed stuff, there’s, I think that’s going to grow, but I don’t know how it’s more of a lifestyle than a lucrative. You’re not going to get super rich off of it, you know, but it’s a lifestyle. So you have fun doing it, you know, people doing it are doing it for the lifestyle. Correct. Yeah. Yeah. More and more sometimes I think I could just go back to somewhere or be a farmer or live in a village and like, what are we doing running around like crazy people. I agree that that’s the ultimate goal in my mind is just totally sound when a piece of land just raising your cattle, training some, some horses challenges.

00:40:59 I’ve, I’ve, I was, I was cursed with loving show horses, which are, it’s one of the most expensive sports you could possibly get in. So like, as much as I would love to just live a simple life, uh, in my mind, I still want to accomplish something with this, but it costs so much damn money that I can’t, you know, so kinda anyway. But on the, the true local thing, one thing that I’m just wanting to clarify that because I think that sometimes people get, I’m not like I’m an expert in this, but there is a difference between grass fed and grass finished.

00:41:34 So a lot of beef is grass fed, but it’s not grass finished. Exactly. So as long as people are aware of that, I love the grass-fed, green finished even though I shouldn’t. Right. And the reason I love grass fed grain finished fatty and sweet taste so brilliant. And the grass-fed, if it’s pure grass fed all the way through, it’s going to be a little. Yeah, a little more. Maybe not as much yet. Um, but uh, and the other thing, but it’s definitely. The health benefits obviously changed. It’s way healthier dramatically. And if you’re really, if you’re really picky about it, you really have to also make sure that it’s, it’s pasture-raised because they’re getting clever with the marketing now and now they’re going to grass fed. But it’s not pastured. It’s now. It’s like grasp pellets that they feed. No, no. So you gotta be, you gotta know this, you know, some farmers who do this stuff I’ve been visiting so many of. So they’re feeding them grass pellets. No, I just know from, from like just learning about rural properties and how, how, you know, how that,

00:42:32 I always assumed grass fed mean meant they were out on the pasture. Not necessarily anymore. You know what I will look. Okay. So here’s my kind of whole beef with the beef industry is that I would love, I would love and I know we’re never going to get to this point or maybe we will at some point, but if you buy some grass-fed meat that is pasture, they’re healthy animals out on the pasture and then their grain finished and, and uh, you know, I don’t know what percentage they are grain finished of their life. Like are they green finishing hands for the last, what is it maybe like how old

00:43:02 could be. It could be 30 days, 60 days if you haven’t heard some circumstances can be up to six months

00:43:09 getting thing now where they’re sitting, it’s pastured grass-fed animals, green finished. And if you’re listening to this wondering what green finishing is basically before the animal is basically butchered up and sold off. They, they feed the cow grain to fatten it up.

00:43:25 Yeah. So in with cattle you make your money on the weight. So they want to fatten them up to add weight on them so they can make more money from it to how they, how the industry survives. So it

00:43:36 changes the health profile of the animal when it’s fed that way. Yeah, because grains as far you know, aren’t the natural food for the cow per changes. The changes that the nutrient profile of the cow when we eat it. Um, so you want full grass fed cows and uh, I think the marketing on that is so kind of all over the place because some people will talk to me and say, well Tom, I got some organic meat and I always kind of laugh. This is what we talked about a little bit with them, with the true local episode. There is that organic meat. It could be organic because you could be feeding this cow organic grain. It doesn’t mean that the animal wants the grain or should be eating the grain. The cows should be eating grass, but you can now call it organic. And someone who doesn’t know what they’re doing is good. I think that’s a healthy piece of meat even though the fact that it’s labeled organic is almost meaningless and it’s probably less healthy than the one that was eating grass. Even these freaking

00:44:32 grasp pellets. Who knows? So that the whole industry is just kind of gone crazy. The grass pellet things freaking me out now. So, uh, yeah. And it’s, and it’s tough. And then even when I buy the grass-fed meat for my own family and my kids will comment that it tastes different and stuff like that. Like you definitely have to get used to it. Um, but it just so much better for us. I just kind of stick with it. Right. But, uh, but selfishly if I do see something that says grass fed grain finished, I just closed my eyes a lot and say, I hope this is still healthy and I get it just because it tastes wonderful. Sure, yeah, yeah. I do that. And, and uh, the other thing, um, when I met a steak place and the menu still say this, that the steak is going to be, it’s 100 percent grain-fed animal.

00:45:15 Like this is a positive thing, constantly freaks me out, constantly freaks me out. And more and more steak houses now have grass-fed steak options. Um, and now I have to ask if it’s, you know, if it’s butchered and stuff, but the best thing is just going to local restaurants and talking to other chefs. But it’s also, I mean I don’t think that the grass pellet thing is, is that like I think the vast majority of use, if someone says it’s grass finished and I was on the true local site and I read there, you know, I read their little thing so it, they make the point of calling out that it is grass finished, grain finished or grass finished. Finished. Oh God. Yay. Okay. So they’re saying this, they’re grass-fed beef and it’s grass finished, finished again, if you just hear grass fed that doesn’t give you the whole story.

00:45:59 Lots of a lot of beef is out on pasture in the beginning, you know, the, I’d say probably the vast majority but I mean I don’t know that for a fact and it’s a bit more expensive to obviously eat this way too in a. do you go to Charleston next door here and never eat from him? No. You’ve never been to Charleston next door? Oh my God, just as like an executive chef that’s just like in this next building, next across from the home depot. Oh really? Where you get the bone broth? Yeah. Okay. Yeah, no, I’ve been in there. He talks to the farmers and he makes these sliders, which are incredible and they’re grass fed, grass finished beef and the sliders he makes there are amazing. Yeah. He makes all this kind of seed breads and stuff. He goes, yeah, he does amazing things.

00:46:37 He’s basically like an executive chef said is cooking over there. Um, so you can find options to eat really well, but you pay for it. It’s expensive. Unfortunately. It’s expensive the way our food industry set up and that’s, it’s not always convenient, you know, it’s kind of difficult. We’re always running around doing stuff. You’re not always going to get the best food options at all times. And again, that’s why I thought you were local. It was such a good option. I mean, we use it. I seem to, we seem to like it. Yeah. Um, do you ever do the ordering half a year? You and Aimee? There’s two of you. You’re not going to order a half a cow. No. So I think last time we mentioned we, we hooked up with this, uh, the guy came to my door from neutral farms and um, basically I got a year’s worth of meat and they’ll give you a freezer too if you don’t have one. Now. We had a freezer so we ordered a year’s worth of meat at all, came in like a gazillion boxes and I was like, oh damn. So I didn’t all fit. I had to, I had to have some over to my sisters

00:47:30 to help out when Nick does at my house hasn’t. But when we’ve done, when we split a cow before, when it all arrived, we lay everything out frozen on the floor and kind of divide it all up. It just, it wasn’t convenient for me just because I was getting so much ground beef and so much stew meat that like we just couldn’t make that much steward. Had a big stew. I love Stew, but we’re not just constantly making stews. And that was the thing because he said, okay, well how much of this do you

00:47:52 do? You eat a week? And I’m like, Oh God, like I don’t know this much. What I like about true local because I had to make the order for a full year. Right. And we got our order I think in early August. And um, I didn’t order enough. Like I don’t, we’re not going to make it the year, that’s for sure. But the thing I like about true local, it comes monthly, you know, when you can change it and you can change.

00:48:16 I love it. You could email about five days before the box ships for that month saying, Hey, your box is about to ship before to make changes. And I’ll log in, I’ll like, some months I’ll load up on, on bone broth, decrease something else, we’ll get the wild salmon. We love the chicken breasts. Um, I want to try the chicken thighs. We haven’t tried the chicken thighs, so I love that kind of mix and match option. And I just think we’re supporting local farms because they’re going to the local farmers. So I just feel like we’re, we’re basically using the Amazon Amazon method where we just get boxes arriving, but now it’s boxes of meat and, and um, I feel like I’m supporting local farmers, which kind of just that whole aspect of it seems right to me as well. Or do you just feel it

00:48:53 better to. You don’t, you don’t need as much as you. It’s delicious. So you do end up eating a lot, but you don’t, you don’t need to eat as much and you still feel like not hungry.

00:49:02 You’re just getting so much. Since I’ve changed my diet, I just don’t snack, I don’t get hungry, I eat more fat than I used to eat and everyone’s gonna look, debate whether that’s a right a right or wrong, but just cutting out some of the grains that I was eating wasn’t keeping me full. Like I still eat some but I cut it out so much that I think my main, my main grain I guess will be rice. So rice and grain, rice, they’re cool. Yes. So yeah. Um, so that’s the only, I think raising the grain to, um, that’s the only one that I’m, I’m eating right now. I just feel better the way I’m meeting with more fat. It’s more satiating. I’m interested when you said Amy’s family was in town, um, are they still living in South Africa? Zambia, sorry. He, Zambia, I know everyone says, I don’t know why I keep saying they live in Zambia when they come to Canada and go visit Alberta. Like what are their thoughts on Canada? So you say love, they love Canada. Yeah. Oh yeah. What is it?

00:49:54 Um, well it’s probably like, um, you know, uh, you know, we, we went down to to Chile and Patagonia and, and, and so when you go to a different place that just looks different. It’s like everything is beautiful, you know? Um, but I mean Canada is a beautiful country. Um, but yeah, going, going out west, um, they don’t have mountains like that. They’ve got like kind of these small green kind of rolling mountain things. But um, would you ever consider moving to Canada? Yeah, we’re trying to convince them to, to

00:50:28 buy a property here so they can take and spend the summers here and the winters back home. Um, and what is this of the way of life in Zambia right now? Very laid back. It’s a very low standard of living. Uh, I would, well, it’s a third world country for sure. Um, but uh, you know, I mean standard of living is still, I would say there’s a, there’s a, there’s like the, they call them the compounds, you know, uh, and then there’s, you know, I guess what’s the, what’s the right compounds where you’re living on, do you have walls and barbed wire and that kind of stuff. The compounds are, are where the local people live that are probably well that are very poor. Yeah. Got It. Um, and um, so, you know, then there’s the modern sections, um, you know, there, her family’s in the mining business, so there’s whole areas of the town that they live in that are just a way to a third world country.

00:51:32 I mean, it seems shocking when you see it, but that’s, I don’t want to see normal, like that’s a good thing, but that’s unfortunately how third world countries are. And if you’re born, you’re born in Canada and you ever seen this, you think we have some rough areas may be in Canada and we have no rough areas in this country. That’s what makes this country so great and why we as much as we complain, I can complain about our, our, our, a Selfie, a prime minister and you know, do what he does and what he doesn’t do overall candidate. So fantastically. I’m proud. I’m so proud to be totally. We talk about our, our parents are obviously immigrants, our fathers and mothers from Scotland. We’re proud Canadian. And I tell everybody we’re Canadian, like, um, don’t, don’t get me wrong. Zambia is a great country. It’s laid back. It’s safe for sure.

00:52:13 There’s petty crime like in lots of countries. But when you, what I found interesting was, um, you have the compounds that are in the cities, um, you know, in, in, in certain areas, but it’s those people that have come from the countryside that feel like maybe they’re going to find more opportunity or I’m not sure what draws them to the city jobs income. I’m sure. Yes. But, um, and you know, it’s just like, anyway, there’s different sort of a class structures for lack of a better word or income level associate, you know, so, um, but when we were driving out to a, to a game park, um, and driving through the countryside and, and seeing how the people lived in the countryside and they didn’t have much, like they had their, their couple cows or whatever, and they were plowing the field and they had their crops and then they had their, like their huts and whatever. To me, I would have way rather lived that life then decided to come into town and live in grass is always greener to living that way of life. You think you have nothing and you’re like, ah, I’m going to go into the city year and leave my family. I’m going to make it on my own. Everyone’s kind of. Especially, I think

00:53:26 males kind of have that thought, like I need to get away from my family, kind of do things on my own. They come to the city and then they realize after working for many years, like we’re talking about here, we just want to go back to the land and the. But the kids were like, oh, smiling. And you know, they, you know, everyone just seemed like running around happy. And you know, obviously it’s not an easy life. But, uh, I, I, this is what I told my father all the time. I said, hey, look, you know, you did us a great service. We are so fortunate you met our mother here in this great country of Canada and stuff. And when I looked, but, but when I look back at some of cousins who are in Croatia, um, some of them have houses that have been in the family.

00:54:00 They’re not in the cities. Uh, and there, you know, they’re well out of the city, but they have houses that have been in the family for generations. So they’re living in these houses. They have no mortgages, right? How much money do you, if you have no property taxes in that country, they have no property tax. If you have no property taxes and you have no mortgage, JP, how much money do you and I need to live really? Right? So they have no mortgage, no property tax. Think about that from day one. But then they go out and do some work and everyone kinda has their coffee and complaints about the country and I get it and when I go there I get into the politics, play how the tourist industry is the only industry and everything else is garbage and it’s getting destroyed and the whole bit.

00:54:36 But when I really look back and sit back and look at it, I’m like, wait a second. They have no mortgage payments, they have no property tax payments and there’s negatives that come along with that. But the standard of living that some of these guys are living is they’re working, they’re not working that many hours a day. And the downfall was there’s not that many jobs. There’s basically no economy there. So there’s a lot of negative aspects to this. I get it. But the ones who are able to survive there, I don’t know, I think they live in a pretty good life. But the only thing, and I, I, I run this scenario in my head what you’ve just described, but the other thing that I really love and I would, I would hate to miss would be travel and you take money to travel, it takes money.

00:55:11 And so many of them haven’t left the country. They have so many of them haven’t been to Italy, which is like right next door, right? Yeah. I get it. And there’s downs, falls of medical attention, right? Like they have a good medical system there. Everyone’s getting what they need, but it’s not as good as that one that I consider they have here in a little argument with me on this point thinking a lot of older men will and women will go over there because they’ll get dentures for like half the price. I’ll get them over here. So you can kind of argue that either way. I’m nick actually when it was over there, his wife needed it. Uh, she was, um, it was early on in a pregnancy and she needed a little bit of tension. She got create like leading-edge medical treatment over there.

00:55:46 So, um, you know, maybe I’m wrong and they are actually getting a good medical treatment. When I was over there as a kid, I felt first day of like a six week trip over there for one of our summer trips. I jumped off a rock wall into a Rosebush because we’re playing like hide and go seek. Yeah, right into the massive rosebush right into the middle of a rep. so I walked out with thorns all over my forehead, my face. And I guess when I fell, one went deep in my hand and it broke off in my hand. They took me to the doctor there after a few days of just letting it ooze blood and it wouldn’t stop and the doctor put a knife in my hand and tried to flick it out. And as he was flicking it out,

00:56:23 he was smoking a cigarette and the cigarette was just hanging out of his mouth and he and no painkiller and I was like, ah, yeah, flicking it out. And the crazy part is when I came back to Canada, this doctor here in Mississauga did the exact same thing without the cigarette, stuck a knife for it and we tried to flick it out, ended up having to go to sick kids hospital in Toronto wasn’t sick. Kids I don’t believe for surgery to get this thing removed after months being in my hand. So that’s, I guess the image of the medical system I have over there. So I’m sure it’s a lot better now we’re speaking of metal. Bit of a segue here, but a game changer for me has been a for the winter. Cold showers. You’re doing them regularly. Every morning. I do them multiple times a week.

00:57:09 Yes. It depends if I’m in a rush. No hot water. Yeah. Know for how long? Maybe a minute and a half. Really? Mhm, and I feel like. Okay. There’s one more thing and I was going to ask you this. I don’t know if I’m just like dumb, but like up until last year I didn’t wear long johns winter. Oh yeah. No, I never wear long johns. I only wear long johns and now recently because heard Carol has trained me to be cold in the winter. I never used to know that you could be that warm. Oh, it’s amazing when your legs are warm it’s like, Oh man, I can do anything. And then with the cold showers it’s like you. I don’t know, I just. The cold hasn’t been affecting me as much as I used to hate the winter, but the feeling after a cold shower is great.

00:57:51 I’ve only done the quality. You’re doing them all winter. Yeah. All all year. Are you doing cold showers now? Yeah, like sometimes I’ll forget to do them. Let’s all go in cycles, but right now I’m on a kick where I do that multiple times a week. It just depends if I’m really rushed because I’ll do it at the end of the shower first. I’ll get it really hot and then I’ll do like a little window breathing kind of thing and then uh, that allows me to then crank it cold and then I focus on the breathing and try to control yourself. Yeah. Because, because basically you’re, you’re essentially what I do is I hyper oxygenate my blood to the point where I kept my eyes closed and I sort of see stars and you feel a little woozy from taking such so much breadth, but you’ve done it.

00:58:33 So if you just focus on that. I just move around in the shower. No, no, no. I know enough to, to, to like breathe normal. But that the show that allows you to sort of focus on that rather than the cold water and yeah. And after your body’s just like tingling, you just feel amazing. So when I do the cold showers, that’s usually when we get back from Europe because when we jumped in the Adriatic there at the water is pretty cold so I get used to and I love it. I love jumping into the cold water, like I feel energized so when I come back here to kind of mimic that I do cold showers but it lasts like two weeks and after 10 seconds to just check it out and it gets warmer. But whenever I’m doing it I feel good. And you know what else I feel really good is we have a hot tub at my house when I hate using it in the summer, but in the winter we cranked the hot tub but I love going from the cold when I walked from the house into that hot water and then out of the hot water into the freezing cold air.

00:59:22 I just love. I love. I feel like my immune system is benefiting more from the cold aspect, which is just a few seconds versus sitting in the hot water. Like I feel the cold is really helping. I just feel a lot. I feel like my body’s alive in those moments. I sounds. I know how sad and ridiculous that sounds, but uh, I get a similar feeling. Totally. And I want to get back to the cold showers too. I just, I, I don’t know what it is. I just constantly have been chicken out. I got to do this. I got. Yeah. I with a bunch of us. I should start a challenge of some sort with us where we go like a month cold shower. Since you, it sounds like you’re going to do it no problem, but I don’t just jump in cold. Yeah. Yeah. Got It.

00:59:59 I love it. That’s fine though. I think that’s fine. And how long are you holding the cold shower for? You think it? Probably about a minute and a half. I’m up to. Yeah. Got It, got it. It’s getting easier and easier. It is especially, it’s easier because I turn it right before I get. I put it even hotter than I would normally shower and I just try to take it to my body’s like, ah, I can’t take it. Then I go to the cold and that seems to, I don’t know, I can buy into that, but the long John thinks to look in the winter. Now you’re putting on long johns. Well that was the thing. I’m too lazy, man. I’m not going to put on long johns for will and also being at the stables like it’s helped you hotter. Okay. In the stable was going to say driving around in the car and stuff though.

01:00:35 Yeah. And I, my thought of long johns growing up was like, my dad’s like, yeah, I know. I know. And I’m like great sport, athletic wear. Yeah. So I was like, Oh man, these are awesome, you know, so I, I’m completely converted to the. Are you a bulletproof coffee still? You still are? Yeah, I started a week. It’s easy to get now. You can get so many points. Sounds like it’s on sale. Um, whole foods will make it for you. They don’t, they don’t just sell the beans and the MCT oil and stuff, they’ll make it. Oh really? Yeah. I’ve never bought one from there. Yeah, you could just get a cup of bulletproof coffee. So I’m just doing straight espressos now. My two espresso shots in the morning, I’m, I’m convinced that might be making the best of espresso shots seriously on the west side of Toronto.

01:01:19 I’m not joking. I might express. So right now, oh my gosh. But uh, I’m on a week of DECAF because I have eight weeks of coffee so I’m going through one week of decaf and I never drink decaf coffee but I got this one. I’m not gonna mention the brand yet until I have it for a whole week. I have some really good beans right now. Really good beans. Next time you’re on, tell you about the beans. Really clean coffee and the DECAF is good. I drink. There are other coffee and. And why do you drink the decaf is just because you really liked the coffee? No, just reading some stuff that was just saying that my adrenal glands. Not that, but actually like why drink if you. Are you drinking decaf because you’re just like the taste of the coffee. The coffee. Got It. And I also don’t think I’m getting enough bitters in my life.

01:01:58 I’m pretty sure my coffee counts as a bitter, um, so just from a nutrition point of view, like I really don’t think in my diet I’m eating that many bitters and I just know that when I go to other places in the world, their diets are just so much more diverse than in North America. And I could use more just straight up bitters in my life and I’m classifying probably incorrectly. Someone’s going to tell me. But I was classifying as oppressive as being a bitter, a coffee, as being a bitter. So I wanted to have. I want it to continue to have it. I like the taste. I like the ritual of it or like smelling it, looking at it, talking about how great it is. Looking at my grandma. I love everything to do with the coffee in and understand when people come to my house for coffee right now it’s like a production.

01:02:35 I’m showing them me, I’m pouring the water, talking about the Italian water. I’m in my espresso machine. I don’t put it in the tap water. I don’t even put in filtered water. I have a Ian water that I’m putting in the Italian water. I got my pure beings. Everybody gets the whole story on the beans. I’ll talk about the beans and the beans. I talk about. I’ve tested every city, every sort of grind from the course to the fine grind and then I’ll go into Starbucks and I’ll get their beans and I’ll put them in and I’ll test them against the beans that I’m using and it takes a while. Right? Because if you for, if you’re going to test it with tap water and then may be purified water, reverse osmosis or something like that. And then just kind of like an Italian bottled water and then you test, you test all the grinds, man. You’re drinking a lot of coffee. Yeah. So, uh, yeah, the week of DECAF. Just more a little bit like let the coffee go for a week, but continue the ritual. Yeah. I’m loving it. And you’re one cup of bulletproof in the morning? No, I’m probably two cups of these two. Yeah. And then are you having another cup throughout the day?

01:03:31 Uh, probably. Okay, so you’re doing three cups of coffee, but it depends. It depends on what’s going on. You’re walking around with a coffee in a thermos. I’ve got a, my Yeti Tumbler. So you have it two cups in the morning and then you walk out of the House with a cup a. yes. Okay. Yep. Most days. Okay. And you don’t feel that’s too much? Oh, probably is. Probably is probably way too much. But uh, I’m an addict. What can I say? You tested your adrenal glands, you probably screwed. No, I don’t think so. Just talking to you. I think you’re probably pretty good I think. I think so. You have energy problems in the morning without your coffee? Like do you lead the coffee? Uh, no. I mean I like it because it’s, it’s just, it’s like a comfort thing and I really like it. I would probably like it, if it was a couple hours I’m like, I haven’t had a coffee cup. I be like, damn, I just really want a coffee, you know? Um, but if I was like, if I woke up and I usually just chug a bunch of water when I wake up, if I was like thrown into something where I got really busy and I didn’t think about it, I wouldn’t notice it, but it’s more probably the habit of drinking it in the morning rather than needing it. But

01:04:46 I don’t know if the thought of the day, if you’re thinking about the coffee, maybe, maybe, maybe like I said, could go easier now. Listen, why aren’t you in the water in the morning like that? Like I’m pretty convinced that’s a really good thing. I’m just curious.

01:04:57 Yeah, I failed. I’ve just found that, that that’s actually um, that wakes me up probably faster.

01:05:04 Just the glass of water or lemon water or are you putting any salt in the water?
01:05:07 No, no, just a big cup of water. No. Uh, like I have one of those like metal swell bottles that I just fill up and I’ll just try to chug the whole thing just to get the organs and everything kind of you fluids

01:05:18 in your system. Know what I’m saying? This, I’ve been going through this book all about your liver, you know, and uh, yeah, I read this. I’m going through this whole book. I think it’s like 500 pages and basically I’m, I’m almost finished this freaking book and uh, I think I can summarize the whole book by saying if we all have a glass of water in the morning with a little bit of lemon in it, that’s the best thing we could do for our liver. But it’s taking me like 500 pages to figure this out. But what if I took a vitamin C? Would it be the same thing? It doesn’t really. I don’t know in this book, I mean, I’m not a medical doctor, but this book doesn’t talk about vitamin C. No. It talks about how the liver is working all. Apparently our livers turn on it like three or four in the morning.

01:05:54 Like it knows our livers, get to know our sleeping patterns. I’m speaking out of turn here. I’m not a medical doctor. I’m just going off of what I read in this book. But, uh, our livers get to know our patterns in life. And specifically our sleeping patterns, um, and our eating patterns and so like if it knows if you just get hammered on alcohol once a week, it knows, like Friday, Saturday is coming up, it’s Kinda got to get ready for that. But yeah, our livers are like smart that way. And uh, uh, three or four in the morning, again, everyone do your own research on this stuff, but at three and four in the morning, your liver kind of wakes up so it goes to sleep when you go to sleep, kind of. But it wakes up and starts like detoxing your blood. And then when you, by the time you’ve woken up is there’s a lot of toxins that have been flushed out of your.

01:06:36 And I can’t remember if it’s flushed out of your blood and it’s in your liver or your livers got out of. It’s a, it’s not an liver anymore. Either way, when you wake up, a lot of this detoxification has happened and having a glass of water with some lemon in it really flushes those toxins that the liver has been working hard to flush out completely out of your system in some manner and I’m right at the point that’s explaining what the water, like, what it’s, what the water itself is doing. Um, but the whole idea is that just one glass of water every morning with a little bit of lemon in. It is like the best detox you can do for yourself and your liver. Then I’ll just put some lemon in it. I’m not completely done the book. Let me get you a very anywhere.

01:07:13 I’m sure it’s totally right. Yeah. But I just feel like when I wake up in the morning, I don’t really feel like just downing water, I almost feel like I would get nauseous. Oh really? I don’t know. I have a smoothie with no problem, but just water right when I get up. I don’t know. I got to try. I haven’t tried it. And then I don’t want to get an the lemon water. I’m like, oh, I was going to just go cheap on it and get them, you know, the lemon that’s already squeezed in the little lemon and looking plastic things, but then I read it and it’s like even if you get an organic one, it’s like the ingredients are organic, lemon juice, something else and sell fights and I’m like, there’s preservatives, organic freaking lemon, so now I’ve going to squeeze the lemons and myself and now you’re telling me my grass-fed beef might be grasp pellets. But your red wine as well? No. Now drinking organic ones. Well No. First of all, I can’t tell my father that I’m drinking any bottled wine because his wind that he makes us the best way, but then the I’m drinking organics wine just to get rid of the cell fights as much as they possibly can because going to be naturally occurring cell flights but there’s not going to be any inserted to stop the cooking process and preserve it and stuff and I just, I find for body without

01:08:16 the sulfites I enjoy the wine a lot more. I bought the sulfite filter. Okay. I’m in this thing here by this filter that you can put on top of wine glass or a decanter and you pour your red wine through it. He’ll rate the wine and strip out. It’s a bunch of the self fights. It’s a chemical, a guy, a PhD in chemistry at of Chicago. His aunt was having trouble with sulfites fights and he put this thing together so I haven’t been like. And if it’s got that. Yeah, I have no idea if it’s actually, I think it’s called Lulu. I think it’s you, you Elo or something like that. Um, so I don’t know if it’s actually stripping on the sulfites but that’s what I’m doing with it. Cool. JP, what’s the URL again? It is the. Don’t get in trouble with Aimee.

01:08:55 Give the URL, www.thecountryhomeguide.com. You can go there and then that’s going to outline. If you’re looking at any sort of rural property and you’ve never done this before, like myself, it’s going to give you a load of information on different price points of rural properties, uh, in southern Ontario and then all sorts of information on, um, what you would need to think about when you’re, when you’re considering this. Yeah. Cool. And then, um, with real estate investors locally, the next time I’m going to ask you more about that stuff. Are there any cities right now you’re most active in right now? Non-Rural pro. I’m talking about the income-producing right now. You know, the stuff that you do, a lot of that we didn’t talk about at all that stuff.

01:09:41 Uh, yeah, I just still heavy in the Niagara Area and London. I’m probably the most active. You’ve, yeah. You’ve been in London for a few years now. You’re still liking London? I’ve been in London for a second. Set the record straight here. I started London. Just I think you started in London? Yeah. You hit Saint Catherine’s from all of us. Um, okay. So London for. Yeah, I feel like six, seven years you’ve been doing stuff in London? Yeah. How’s the appreciation rates in London though? It’s gone crazy. In the beginning it wasn’t so much, it was like St Catherine’s or, or maybe a little bit better early on, but yeah, just like I’m probably in the last three years or so, three, four years. Whenever that big push was that happened in London to buying and what kind of property you’re buying in London. Um, so single family homes for depending again if the investors from the area and wants to purchase there, um, or it could be, you know, student rentals are definitely where I, most, most student rental deals that I do are in London.

01:10:43 Western. Yes. Okay. Yeah, yeah. It’s kind of steer clear of Fanshawe but um, that’s not to say it’s a bad thing, but just you like the population base of Western. Is that why I like the whole setup with the university students as opposed to the college students for, for, and you liked the property managers out there for investors who are like Toronto based? Yes. Yeah, the whole system out there. And they can get a good product. So when you’re on next, we’re gonna dive into this more. Yep. JP. Cool. Thank you for this man. That was fun.

01:11:12 All right. Hey, it’s Tom Karadza and hopefully you enjoyed that episode. JP, like I mentioned is such a great guy. Hopefully that came through during that episode. He is one of the coaches here at Rock Star. He’s been working with hundreds of investors at this point. Just a really solid standup guy and if you are thinking about investing in real estate and you want to, you know, meet JP or work with one of the members of the team here at Rockstar, one of the best ways to get started is to come up to our free class to learn that what we do and how we do it, you can register for that at Canadianrealestatetraining.com. So it’s www.Canadianrealestatetraining.com. It’s only a 90 minute class, but from what I’ve been told that we jam more content into that than anyone expects and we share all our mistakes that we’ve made over the years. The successes as well obviously, but all the, the things that we’ve done that we wish we never did so that we can all learn together and then what we’re doing and how we’re working with investors today here at Rock Star, so you can register for that class at Canadianrealestatetraining.com.

01:12:08 And the reason that we ask you to register as our training room is only so big, so we can’t just have people show up. We need you to register the classes always jam-packed. Um, so if you register, it’s the best place to do it is Canadian real estate training.com. And then Jenny or Angelina here from the office will call you, confirm the dates, confirm your spot and the whole bit. Thanks for all the feedback. I really appreciate the reviews that are coming in, the ratings on iTunes. Thank you so much for doing that. We really, really appreciate it. Really kind of fuels us to do more of these. So thank you to everyone who’s done that. And if you haven’t had a chance to do that yet and you think we’ve earned it, if you could go off to iTunes and give us a rating and a review are or both. Um, that’d be amazing. So thank you for everyone who’s done that. We really appreciate it. Thank you for everyone listening. That’s it for this episode. Until next time, your life, your terms.