beyond MD with Dr. Yatin Chadha

I'm thrilled to host Dimitre Ranev, MD. Dimitre is a savvy mind when it comes to DIY investing. I've benefitted from his wisdom over the years & I'm excited to pick his brain on his investing approach today. This episode features Arya EHR - https://www.aryaehr.com/**I endorse only products/services I personally use or would use. I can get commissions that will be used to offset the costs of running this podcast :)Discussion Points:Guest Introduction (3:13) An overview of Dimitre's portfolio & investing approach (8:30) Dimitre's process behind analyzing a company (12:54) Dividend investing - what to consider (16:58)  Payout ratios, valuation, P/E ratio relative to historical norms  (20:12)  Investing during inflationary times (23:30)Time required to invest in individual companies (29:36)Behavioural tendencies, having the right investor psychology, minimizing irrational behaviour (30:44) The importance of rebalancing your portfolio (35:47)Financial considerations as we pivot from early to mid career (39:05)Dimitre's preferred resources for learning about investing (41:50)Rapid fire (47:25)Dimitre’s advice on building wealth (49:28)  Dimitri’s Links:LinkedIn: https://www.linkedin.com/in/dimitre-ranev-he-him-0b941495/Primary medicine podcast: https://podcasts.apple.com/ca/podcast/primary-medicine-podcast/id1022330537Yatin:Email: beyondmdpodcast@gmail.com LinkedIn: Yatin Chadha

I'm thrilled to welcome back our colleague, Dr. Ketan Kulkarni, who is a pediatrician, coach, author, & entrepreneur. This is a fun and wide ranging interview. We discuss Ketan’s new book, Soar: A Soul's Quest (link below), what a rich & successful life means to us, how to stick to our core values, time management, financial needle movers, bringing out the best in our kids, & more.Discussion Points:Ketan’s new book, Soar (2:48)Lessons learned after writing 2 books (9:45)Tips for writing a book (15:34)Navigating through multiple interests, beating burnout, & establishing your metrics for success (18:12)Strategies for living a life aligned with your core values (21:54)Ketan's thoughts on seeking coaching & advice during the journey (24:25)Beating limiting thoughts & breaking through (26:20)Specializing vs thriving through multiple pursuits (28:38)Deep learning as a remedy for burnout (32:24)Time management hacks to live a balanced life (35:04)What financial practices have been most impactful for Ketan?  (38:35)Parenting & bringing out the best in your kids (43:57)Favourite books (49:40) Ketan’s Links●      Soar: A Soul's Quest by Ketan Kulkarni, Christopher Morris, and Francis Yoo●      The Legendary Quest: ForProfessionals Seeking Inner and Outer Excellence and Authentic Fulfillment by Dr. Ketan Kulkarni and Dr. Francis Yoo●      Limitless Expanded Edition Upgrade Your Brain, Learn Anything Faster, and Unlock Your Exceptional Life by Jim Kwik●      The 5AM Club: Own Your Morning. Elevate Your Life by Robin Sharma●      The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company by Robert Iger Yatin:●      E-mail: beyondmdpodcast@gmail.com●      LinkedIn: Yatin Chadha  

Thanks for tuning in to part 2 of multiple streams of income with Dr. Stephanie Zhou.One thing I hope people can take away from these interviews is that it's possible for many of us build a diverse and rewarding career....the multiple streams of income is the cherry on top.Discussion Points:Getting paid to offer advice in your area of expertise (0:37)Steph's approach to venture capital (6:08)Income through traditional investments (12:52)Income potential through social media (16:05)Exploring the distinctions between podcasting and YouTube in terms of monetization (19:35)Real estate investments and their relationship to a potential recession (22:40)Physician Financial Wellness Conference (26:46)Stephanie Zhou:•Stephanie’s Instagram•Stephanie’s LinkedIn•Stephanie’s Youtube Channel•HaloHealthMy Links:•LinkedIn: Yatin Chadha  

Join Dr. Stephanie Zhou in today's episode as she dives into her diverse career and the streams of income that come with it. Dr. Steph specializes in addictions medicine at Sunnybrook Hospital, leads the Financial Literacy Curriculum at the University of Toronto, started the annual Physician Financial Wellness Conference, and was recognized among Canada's 100 most influential women in 2022.Tune in for an insightful conversation on multiple streams of income!Discussion Points: The different types of income streams (4:30)How Dr. Steph’s practice is structured and the various streams of income that comes within it  (6:37)Does doing a variety of things lead to burnout or sustenance? (12:37)Doing non-destructive focused work  (13:24)How admin work gives you time and geographical freedom (19:23)Asking professional compensation when getting invited to speak in talks and conferences (20:13)Managing your time (24:00) How income works in board memberships (27:10)Stephanie Zhou:•Stephanie’s Instagram•Stephanie’s LinkedIn•Stephanie’s Youtube Channel•Thinking Fast and Slow by Daniel Kahneman•Deep Work by Cal Newport My Links:•E-mail: beyondmdpodcast@gmail.com•LinkedIn: Yatin Chadha

Hello all! We decided to add a few details to Part 4 on Permanent Life Insurance with Jeff Bernstein (CLU, MFA-P).While some may elect to cancel policies, there are also options for navigating policies without fully exiting, which are covered here in a quick summary:1. APL (Automatic Premium Loan)2. RPU (Reduced Paid-Up Option)3. Premium Offsetbeyondmdpodcast@gmail.comjeffbernstein@seligman.ca

Thank you for joining me on the final segment of permanent life insurance with Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance.Discussion Points:- The White Coat Investor & permanent life insurance (1:26)- Who can benefit from permanent life insurance? (3:44)- Commissions on permanent life insurance (8:14)- How do commissions impact your policy? (19:18)- Exit strategies, Canceling a policy (22:15)- Closing remarks (25:51)This episode features Arya EHR - https://www.aryaehr.com/**I endorse only products/services I personally use or would use. I can get commissions that will be used to offset the costs of running this podcast :)Jeff Bernstein:https://www.linkedin.com/in/jeffreymbernstein/jeffbernstein@seligman.cahttps://seligman.ca/My links:https://www.linkedin.com/in/yatin-chadha-29074b109/beyondmdpodcast@gmail.com

Welcome to Part 3 of Permanent Life Insurance with Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance.Discussion Points:Summary of the death benefit (0:58)Permanent life policies for the kids? (2:58)Corporate Insurance Retirement Plan (6:10)Infinite banking/being your own banker (beware) (18:50)Immediate Financing Arrangement (IFA) (29:17)Jeff Bernstein:https://www.linkedin.com/in/jeffreymbernstein/jeffbernstein@seligman.cahttps://seligman.ca/My links:https://www.linkedin.com/in/yatin-chadha-29074b109/beyondmdpodcast@gmail.com

Welcome to Part 2 of Permanent Life Insurance with Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance.Discussion points:PAR Whole life investments (2:05)PAR fund performance, dividend scales (5:51)PAR fund actuarial assumptions (9:45)Performance headwinds/tailwinds, dividend smoothing (14:55)Open and closed policy blocks (19:08)Illustrations: what we need to know (23:45)Permanent life insurance as an asset class (31:10)Universal life investments and costs (35:30)Non-participating WL vs PAR (41:55)Jeff Bernstein:https://www.linkedin.com/in/jeffreymbernstein/jeffbernstein@seligman.cahttps://seligman.ca/My links:https://www.linkedin.com/in/yatin-chadha-29074b109/beyondmdpodcast@gmail.com

It's finally time to tackle permanent life insurance with a series of episodes. I'm thrilled to host Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance as we do a deep dive on this topic.Discussion points:Jeff's background (5:57)What is permanent insurance? (9:30)Considerations for permanent life (12:30)Core concepts: adjusted cost basis & capital dividend account/CDA (16:35)Types of permanent life insurance: Universal Life (UL), Whole-life (WL) (24:35)Participating vs non-participating whole life insurance (27:07)Understanding key policy components: death benefit & cash surrender value  (31:35))Permanent life policy funding timelines: does it make a difference? (33:57)Policy structure: growth vs estate oriented (37:49)Can term life be converted to permanent life? (40:28)This episode features Arya EHR - https://www.aryaehr.com/**I endorse only products/services I personally use or would use. I can get commissions that will be used to offset the costs of running this podcast :)Jeff Bernstein:https://www.linkedin.com/in/jeffreymbernstein/jeffbernstein@seligman.caMy links:https://www.linkedin.com/in/yatin-chadha-29074b109/beyondmdpodcast@gmail.com

In this episode I welcome Rounak Langhe, MBA, CFA, founder of Durham Asset Management. Rounak is an expert in fixed income investing. The aim of the this episode is to cover the fundamentals of bonds.Discussion Points:- Rounak's background (3:35)- what is a bond? Understanding the the 3 C's & coupon rate, maturity, and payment dates (8:40)- overview of bond types: government, corporate, junk/high-yield & bond rating agencies (13:04)- lower risk for higher yields in the bond market today? (19:24)- main determinants of bond yields, yield curves (21:00)- basic bond math, impact on future bond prices (22:47)- investing in bonds when rates have (hopefully!) peaked  (26:38)- why have bonds into your portfolio? (28:02)- ways to invest in bonds - individual holdings vs ETFs vs mutual funds, fees (30:24)- Canadian bond universe ETF composition (34:10)- bond ETF fact sheets (36:29)- is the 10 year US treasury yield a good marker for yields over the next 10 years? (38:18)- closing thoughts (39:52)Check out the postcall newsletter: https://postcall.ca/subscribeMark Soth's article on bonds in a professional corporation: https://www.looniedoctor.ca/2023/10/13/bond-etf-corporation/?fbclid=IwAR2KfvzLFPCQ9BdV5dyOSG7j2E_gNtixfWkPZTjC6nIyS7gfLizXvpf-scoYatin's Links:beyondmdpodcast@gmail.com