Who I Am Listening to for Different Kinds of Investing Advice

Joel Olson • November 15, 2021

Who I believe is worth listening to when it comes to unique investment strategies

Okay, so as people have more and more money, we're often asked, "What do we do for different types of investments?" 


And, "Were are we putting our money?"


And, "Where do we get advice from?" 


Now I'm a big advocate for the idea that people use professionals and get information and do a ton of research in order to get the best return on their money, in order to get the best information and to have the best situation possible. 


So here's a list of some of the people I'm listening to on a variety of different investments that could be helpful for you. 


 Number one: Sports card investing. I love sports card investing! 


Did you know that the average sports card has a 30 to 35% return year over year? 


It's one of the most lucrative investments out there. 


You'll be surprised at how many very wealthy people consider this a core part of their investing strategy. 


My "go to" advisor on this is SportsCardInvestor.com. 

On this site and Youtube Channel, you can find weekly tips. 


You can find secrets on how to get into the hobby on how to start your collection and different strategies. 


In particular, the principal person behind this is someone who has invest in tech companies and knows the business side really, really well. 


So Sports Card Investor is the best YouTube channel for me when it comes to investing. 


 Number two: gold, silver and commodities. 


Obviously people are looking more and more on physical gold and silver. It's a hard thing to understand, but I found that it is a really good way to hedge yourself against inflation. 


My “go to” video advisor right now that I'm watching is a guy by name of Silver Dragons

On his page he has a list on different types of chunk server you can buy, different ways you can buy it, how to understand “spot”... it's got a lot of really basic videos that I find UBER helpful on things.

Number 3 - What about real estate? 


 Well, you don't have to be around very long to be familiar with Rich Dad Poor Dad. 


 Rich Dad's advisor, Ken McElroy, has a YouTube channel full of great real estate investing tips. 

His takes on things far exceed most people you'll find on the internet. 


I'm looking at Ken McElroy’s stuff for how to get into real estate investing, different strategies, different opportunities….


This is definitely the person that I would go to if I want to look at some things and as far as real estate investing. 


 Number 4 : stocks…


Stocks have still proven to be a worthy investment to go into. 


I'm a big fan of “Stock Moe”. 

Stock Mo is teacher. 


He goes into a variety of different stocks... why he picks the stocks he does...


He has some options on penny stocks, dividend stocks, and things that he has gotten into as well. 


So Stock Moe is the YouTube channel that I go to when it comes to stocks. 

Oh, and of course I would be remiss without mentioning...

 

Number 5 : cryptocurrency!

 

A lot of people have gotten into cryptocurrency and man is that a confusing field in order to look into.

 


The YouTube channel I love to look at you when it comes to cryptocurrency is Lark Davis.

 

 

Lark Davis goes to into how to build a portfolio around different crypto coins and also goes into some great information both on what’s happening currently in the market as well as some great beginner tips. 

 
So Lark Davis is my “go to: when it comes to crypto currency.

 

This is my "go-to" list when it comes to investing in different types of investing and creative investment strategies... What are some of yours?

 

A man with a beard and a suit is smiling for the camera.
Joel Olson
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Bank of Canada Rate Announcement Jan 28th, 2026

By Joel Olson • January 28, 2026
Bank of Canada maintains policy rate at 2¼%. FOR IMMEDIATE RELEASE Media Relations Ottawa, Ontario January 28, 2026 The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The outlook for the global and Canadian economies is little changed relative to the projection in the October Monetary Policy Report (MPR). However, the outlook is vulnerable to unpredictable US trade policies and geopolitical risks. Economic growth in the United States continues to outpace expectations and is projected to remain solid, driven by AI-related investment and consumer spending. Tariffs are pushing up US inflation, although their effect is expected to fade gradually later this year. In the euro area, growth has been supported by activity in service sectors and will get additional support from fiscal policy. China’s GDP growth is expected to slow gradually, as weakening domestic demand offsets strength in exports. Overall, the Bank expects global growth to average about 3% over the projection horizon. Global financial conditions have remained accommodative overall. Recent weakness in the US dollar has pushed the Canadian dollar above 72 cents, roughly where it had been since the October MPR. Oil prices have been fluctuating in response to geopolitical events and, going forward, are assumed to be slightly below the levels in the October report. US trade restrictions and uncertainty continue to disrupt growth in Canada. After a strong third quarter, GDP growth in the fourth quarter likely stalled. Exports continue to be buffeted by US tariffs, while domestic demand appears to be picking up. Employment has risen in recent months. Still, the unemployment rate remains elevated at 6.8% and relatively few businesses say they plan to hire more workers. Economic growth is projected to be modest in the near term as population growth slows and Canada adjusts to US protectionism. In the projection, consumer spending holds up and business investment strengthens gradually, with fiscal policy providing some support. The Bank projects growth of 1.1% in 2026 and 1.5% in 2027, broadly in line with the October projection. A key source of uncertainty is the upcoming review of the Canada-US-Mexico Agreement. CPI inflation picked up in December to 2.4%, boosted by base-year effects linked to last winter’s GST/HST holiday. Excluding the effect of changes in taxes, inflation has been slowing since September. The Bank’s preferred measures of core inflation have eased from 3% in October to around 2½% in December. Inflation was 2.1% in 2025 and the Bank expects inflation to stay close to the 2% target over the projection period, with trade-related cost pressures offset by excess supply. Monetary policy is focused on keeping inflation close to the 2% target while helping the economy through this period of structural adjustment. Governing Council judges the current policy rate remains appropriate, conditional on the economy evolving broadly in line with the outlook we published today. However, uncertainty is heightened and we are monitoring risks closely. If the outlook changes, we are prepared to respond. The Bank is committed to ensuring that Canadians continue to have confidence in price stability through this period of global upheaval. Information note The next scheduled date for announcing the overnight rate target is March 18, 2026. The Bank’s next MPR will be released on April 29, 2026. Read the January 28th, 2026 Monetary Report

Collateral vs. Standard Mortgage: Pros and Cons Explained

By Joel Olson • January 20, 2026
Mortgage Registration 101: What You Need to Know About Standard vs. Collateral Charges When you’re setting up a mortgage, it’s easy to focus on the rate and monthly payment—but what about how your mortgage is registered? Most borrowers don’t realize this, but there are two common ways your lender can register your mortgage: as a standard charge or a collateral charge . And that choice can affect your flexibility, future borrowing power, and even your ability to switch lenders. Let’s break down what each option means—without the legal jargon. What Is a Standard Charge Mortgage? Think of this as the “traditional” mortgage. With a standard charge, your lender registers exactly what you’ve borrowed on the property title. Nothing more. Nothing hidden. Just the principal amount of your mortgage. Here’s why that matters: When your mortgage term is up, you can usually switch to another lender easily —often without legal fees, as long as your terms stay the same. If you want to borrow more money down the line (for example, for renovations or debt consolidation), you’ll need to requalify and break your current mortgage , which can come with penalties and legal costs. It’s straightforward, transparent, and offers more freedom to shop around at renewal time. What Is a Collateral Charge Mortgage? This is a more flexible—but also more complex—type of mortgage registration. Instead of registering just the amount you borrow, a collateral charge mortgage registers for a higher amount , often up to 100%–125% of your home’s value . Why? To allow you to borrow additional funds in the future without redoing your mortgage. Here’s the upside: If your home’s value goes up or you need access to funds, a collateral charge mortgage may let you re-borrow more easily (if you qualify). It can bundle other credit products—like a line of credit or personal loan—into one master agreement. But there are trade-offs: You can’t switch lenders at renewal without hiring a lawyer and paying legal fees to discharge the mortgage. It may limit your ability to get a second mortgage with another lender because the original lender is registered for a higher amount than you actually owe. Which One Should You Choose? The answer depends on what matters more to you: flexibility in future borrowing , or freedom to shop around for better rates at renewal. Why Talk to a Mortgage Broker? This kind of decision shouldn’t be made by default—or by what a single lender offers. An independent mortgage professional can help you: Understand how your mortgage is registered (most people never ask!) Compare lenders that offer both options Make sure your mortgage aligns with your future goals—not just today’s needs We look at your full financial picture and explain the fine print so you can move forward with confidence—not surprises. Have questions? Let’s talk. Whether you’re renewing, refinancing, or buying for the first time, I’m here to help you make smart, informed choices about your mortgage. No pressure—just answers.