On to this week’s show!
We have Emily and Coach Tammy Ditomaso on the show. Emily is a new investor already with three properties under her belt in under two years. Emily’s early journey includes more involved renovations, inherited tenant who was in jail, rent arbitrage, middle term rentals and most importantly, a lot of financial success. Middle term rentals fall between short term and long-term rentals. In some markets where short term rentals are banned.
Emily also happens to have a nice job for one of the big Canadian banks in HR and shares about what skills and positions earn mega bucks, pensions, benefits and work from home. Working from home is huge for real estate investors so they can get to new listings faster, early to offer and win more deals.
Coach Tammy Ditomaso has been on my team of investor focused, four time Realtors of the Year Investors since 2015. She’s also known as the Duplex Queen since she’s helped a couple dozen buy, renovate, rent and hold more duplexes west of the GTA than anyone and her knowledge of local zoning is 2nd to none.
Please enjoy the show!
Welcome to the Stock Hacker Academy Show! Worry not, this does not replace anything we’re already doing at the Truth About Real Estate Investing for Canadians. You still get weekly real estate focused education and insights.
In addition to all of the weekly real estate episodes, we’re trying out a monthly stock market focused episode.
The audio for these episodes are taken from our weekly Stock Hacker Youtube Show. We realized that many of you aren’t video people. These monthly Stock Hacker shows will bring you the best information and stock market education we put out on a regular basis.
This month we cover:
A synopsis for each segment is below.
And if you’re a real estate investor who’s investigating the stock market, we’ve prepared a free guide just for you.
“How Real Estate Investors Find Cash Flow in the Stock Market” is a collection of 5 stories from real estate investors and entrepreneurs just like you who are using stock hacking to augment their cash flow.
On to this week’s guest.
Christian Szpilfogel is one smart guy. He’s a former tech executive who worked with Canadian tech billionaire Sir Terry Matthews and he’s implemented a highly analytical and technology based strategy to maximise the returns on his multi family investment. Christian detailed the top tech apps and devices for ROI in a past podcast so check it out if you haven’t already, the water metre monitor could save you thousands of dollars via early detection of a water leak.
Christian’s smart on the EQ side as well in his ability to communicate his renovation and development plans with the neighbours to obtain their signed support to get his variances and permits approved. He shares how he’s finding deals, getting offers accepted in multiple offer situations, and even having sellers call him directly.
Cherry and I will be videoing and touring Christians properties in early June as part of our Ottawa tour, we’re in town hosting a casual meetup in Centretown 6pm on June 7th and on June 8th, Cherry will be a guest speaker at OREIO, the big Ottawa networking group at the Infinity Convention Centre.
OREIO’s Link to register: https://www.oreio.org/event-4738820/Registration
Christian is a good guy, he’s not here to sell anything, his projects are self funded, and please enjoy the show!
On to this week’s show!
We have an incredible story from my old friend Todor Yordanov, one of the first serious real estate investors I met in 2007 and he’s done quite well for himself.
He’s done so well, he’s progressed to helping others, specifically Ukrainian refugees at the border with Bulgaria where he’s from. How his partner Natalia would cry all night when the war broke out and one morning, they dropped everything to get on a plane to go help.
Todor is here today to share how we became a successful investor and Broker, from BRRRR investor to his now focus, pre construction condos.
As I type, Todor is actually on his way back to help Ukrainian refugees. What a guy!
Todor’s gofundme for charity the Ukrainian Humanitarian Emergency Relief : https://gofund.me/bc23b150
On to this week’s show! We have Ryan Poole who’s not your average Florida Realtor with 24 years experience. He’s on the show today to share his experience during the housing bubble and the financial/credit crisis of 2007/08 including buying portfolios of distressed properties for cents on the dollar, how current times are different. What typical investments and who are these Florida buyers are.
We talk about the local amenities, weather, hurricane preparedness, foreign buyer financing, that’s right, us Canadians are the evil foreign buyers this time, lol.
As mentioned, Ryan is not your typical Realtor, he’s an owner in a tech startup called Realtrade.io, a marketplace for Realtors and real estate. Kinda like Facebook and Realtor MLS in one. I’ll let Ryan explain it.
Anyways, Ryan’s a good guy and I learnt a ton about investing in Florida for a local 24 year veteran of real estate, and hope you do too. Please enjoy the show!
To Follow Ryan:
On to this week’s show!
Today we have an old friend of mine Moe Hansrod who’s been in real estate since the early 2000’s as both investor and property manager. Moe is currently an owner of KW Property Management (KW stands for Kitchen Waterloo, not Keller Williams) with around 2,000 doors, 600 clients, mostly with single family homes w/ the average investor client owner 3-5 houses. Moe is on the show today to shares some truths about real estate investing including having to pick up the pieces after what out of town Realtors promised to investors in terms of over inflated tenant profiles and over rents by as much as 25%.
Moe is also an investor in Realmeproperty, a startup, real estate, financial technology company offering block chain based, affordable investing opportunities in cash flowing real estate. Moe’s young friends Akshat and Rishard who are super bright and going places are here to explain what is a fractional ownership of investment properties opportunity.
As always, anything said on this podcast is for educational, maybe entertainment purposes and not an endorsement or any investment. For investment advice please seek professional advice from a financial advisor for which me and my guest are not.
My unprofessional opinion? I’m excited for where RealMe goes as I and I’m sure many of you would like an opportunity to early exit a portion of our investment properties one day while offering opportunity to those with smaller amounts of capital to invest because everyone needs exposure to hard assets.
Please enjoy the show!
On to this week’s show!
We have a pretty amazing story of Alfredo Hermano who grew up in affordable housing and now he’s building and developing a ton of affordable housing. He's got three buildings on the go for a total of 400 rental apartment units with rents well below market value, and plans to grow that number to ten buildings and well over 1,000 units. These are investments and part of the investment was crowdfunded via Addy which I think is super cool so even those with smaller bankrolls are able to invest.
On today’s show Alfredo shares how his company 3H Properties Group is able to work with the government to provide subsidies AND his investors a return.
As usual, none of what is shared today is an endorsement. Please do your own research and due diligence, past results do not predict the future and please seek professional investing advice. Everything shared today is for educational and infotainment purposes and I wish you all success in your investment returns!
Stephen or his business, who’s been featured on HGTV 24 times with Scott McGillivray. More importantly, Stephens real estate experience includes managing 1,200 apartment units in his previous career, then going on vacation to Costa Rica and moving there, now he’s back in Ontario for family, jumping into real estate with both feet in 2014, joining networks, hiring coaches like Ian Szabo and Quentin D'Souza.
Near the end of the interview, we get into detail on what current opportunities look like in Belleville and Stephen’s awkward, celebrity fan moment when Scott McGillivray.
Please enjoy the show!
On to this week’s show! I’m super excited to have back on the show my friend Jules Mckenzie who I find super inspiring and unfortunately, I’m just going to warn some of you now, he is a super successful real estate investor having owned a lot of properties and raised millions and millions of capital to buy real estate in Barrie and Orillia but he’s a Police Officer with over 30 years of experience and I know some of you won’t like his opinion about the protests in Ottawa.
Jules shares how he too protested at Parliament Hill and his experience was very different than what happened earlier this year with the trucker and anti covid mandate protests.
We talk a lot about real estate on this show on tips and tactics including previous interviews with Jules so feel free to go back and listen to those. Today we focus more on the obstacles Jules has had to overcome being an indigenous Canadian, growing up on a reserve, substance abuse.
If you’ve ever met Jules, you’ll know he’s one of the happiest people you’ll ever meet and have no idea about his tragic past but he refuses to live the life of a victim and his living proof of how important mindset is as Jules has achieved immense financial success.
If you do enjoy the show which I think you will, please look up Jules Mckenzie on Facebook or Instagram and send him a message letting him know you want to read his book. I don’t think he needs the encouragement but just in case as I believe his book will help a lot of people. More than just our 17 listeners for sure.
Please enjoy the show!
Since 2008, I’ve witnessed several epic collapses of real estate investment companies. Some small, some still in court for hundreds of millions. Several private lenders, even mortgage brokerages who originated the private lending have deals go bad.
In speaking to friends who had invested with Epic Alliance, a Canadian real estate company that recently collapsed, the passive investors are now actively scrambling and taking over control of the properties.
As Warren Buffet said, “only when the tide goes out do you see who’s swimming naked.”
Please enjoy the show!
The path to success is not a straight line. This week’s guest Cory Sperle is a perfect example having started in a career working in the oil sands, invested in Alberta in pursuit of cash flow instead of close to home in Kelowna, BC, through the peak and collapse of oil prices and with it, real estate prices. We talk about the differences in investing between Saskatoon and Edmonton, Cory’s experience investing in 10 apartment buildings, six of which other investors put up the capital.
Cory is kind enough to share his truths about real estate investing including working for free and even coming out of pocket during the down years of the Edmonton market.
Cory is a multi family educator with his 6 Pillars of Multifamily Success program and he’s getting into events and hosted in March called the real estate outlook - 2022 and beyond.
We go into detail on how he structures joint ventures near the end and the lessons doing so and you don’t want to miss it!
Please enjoy the show!
Georges and I used to work at the same real estate brokerage called Rock Star Real Estate owned by my good friends Tom and Nick Karadza. I’m still at Rock Star, Georges has moved on to Keller Williams.
He’s on the show today to share his journey from getting fired from his first job out of University and transitioning into real estate full time.
He’s hustling as you’ll hear from the interview. He’s driving around and targeting small multifamily properties to acquire with partners. How she sold his wife’s home, a condo during the pandemics and used the proceeds for two multifamily properties.
Georges shares how he’s finding deals, the strategies used and success rate. No it’s not easy, Georges makes it look easy and that’s what this show is about, sharing the truths about real estate investing. It’s not all roses but those with the hustle and resiliency will win out.
I get questions from folks on social media from time to time.
I don’t mind them; I feel this is one way to give back to the community that means so much to me and has led to Cherry and I building a seven-figure real estate business and eight-figure real estate portfolio.
My real estate business, iWIN Real Estate, transacts on 100 properties per year, 90% of them are for investment purposes, and if you know us, we’re very close with our clients since we provide coaching services to ensure their success.
Investing-wise, I’ve had personal interests in over 40 properties since 2005, so while I don’t know everything, I know a little enough to be dangerous and happy to share my experiences if that helps.
This week we have Duncan, who asks:
“When in your real estate journey did you decide to engage a property manager to be able to focus on other aspects of the business and investing?”
I hope my answer helps!
On today’s episode we have apartment building, multifamily investor Seth Ferguson who I first met back in 2019 when he invited me on to his podcast. After the recording Seth told me about his relationship challenges with his romantic partner who was also his investment partner on several rental properties and related financial challenges as the properties were vacant and mortgage payments were being missed.
Here Seth is telling me he has money problems and I suggest to him he take our beta Stock Hacker Academy course that weekend. Seth takes me up on that offer and we’ve been friends ever since.
Other than being on YouTube, podcasting, Realtor business owners, real estate investor, apartment building investor mostly in southern US, father of an energetic young boy, and being newly engaged. Seth took on a full time job as conference host of the Multifamily Conference that is coming up soon on May 14-15, 2022 at the CAA Centre near Pearson Airport. There will be plenty of parking. Cherry and I literally have tickets front row centre that we paid for.
The headline speaker is… well I won’t spoil it, I’ll let Seth tell you who it is.
Anyways, we talk about structuring deals the right and wrong way. Sadly there’s a lot of investors being caught up with their local securities commission so stay safe out there. Doing one’s due diligence even if the property is far out of the way and you can’t see it personally.
Seth shares his losses and successes with Stock Hacking. The show is a good one and please enjoy the show!
Hilary is a long time client of ours who’s been on quite a journey, from growing up and immigrating from small town Kenya, Africa, coming to Canada on a student VISA as so many immigrants do, then really getting outside his comfort zone house hacking and started investing in real estate.
Imagine that. Coming from a rural community with one or two tea shops to buying houses and renting them to university students and regular rentals as well. The first property being a student rental in Thorold, Ontario in 2015 for $351,000.
Hilary’s strategy for systematic, fully furnishing is a first that I’ve heard of so you’ll want to take note!
He didn’t stop there as he started mentoring others in his community and even joint venturing with some of them to purchase properties in Northern Ontario. With nickel pricings spiking, I hope that’s good news for our investor friends up north.
Hilary has a full time job that he enjoys and proof that one can invest successfully for a comfortable retirement. He has no plans to go full time into real estate.
Please enjoy the show!
Linkedin: Ontario mortgage coaches
Website: Home - My Mortgages Coaches
This week’s guest is Ben Oosterveld, a former real estate agent having sold his business, we talk about why and how he sold it. At the peak of the 2008 Alberta real estate market Ben owned 61 properties across four cities and 20+ investment partners and was living the dream till the market came tumbling down thanks to falling oil prices and the credit crisis in the financial markets.
Ben is here today to share about how he coaches business owners including realtors and investors to better understand themselves, break down walls so they may find happiness, and have more energy to push towards their goals.
Ben’s an old friend, we go back a ways. He’s been on the show before so help yourself, I’ve included the link on the show notes on the email alert that goes out and on my website www.truthaboutrealestateinvesting.ca
Make sure to sign up for my real estate newsletter and be notified via email when new podcast episodes are out!
Ben also shares about a new book he’s got coming out called “The Richest Real Estate Agent” and I look forward buying copies for my team and I.
Check out Ben at www.benoosterveld.com/
From audience requests, one of the one or two dozen listeners of ours asks for stories from beginners early in their journey and for investors who started later in life.
Today we have both in David Rahilly who is close to retirement age, has been real estate investing for only a handful of years and recently learnt how to trade stock options.
David’s full time job is that of a high school teacher in Civics of all subjects. Civics class teaches students how government works, how to be a good citizen, the Charter of Rights and Freedoms, etc… Unfortunately this episode was recorded four weeks ago and lately there’s been a lot of confusion over the freedom to protest and when a protest becomes an illegal occupation. Being as this is a sensitive subject, I think I’ll leave it as is as too much has divided our investor community and I’d like nothing more than to find common ground. Building wealth using best practices in real estate, stocks, private equities, whole life insurance investments for comfortable retirements and leaving a legacy for our children.
David Rahilly being a high school teacher and like minded investor like us, I wanted to hear his perspective on investing and what’s being taught in school.
We ran out of time in the interview but asked David if he’d share lessons during this most recent downturn in stocks and crypto currencies. For brevity and reduce use of technical terms, I’ve had to paraphrase.
For context, David is a student of the beta version of Stock Hacker Academy which predates the current version we deliver with Best Selling Author, Lee Lowell and he also follows the trades of the gentlemen who delivered the beta version vs. I follow Lee hence our strategies differ.
DISCLAIMER FROM Erwin Szeto: I am not an investment adviser. Neither is our guest/s. All opinions are mine alone. Or theirs. There are risks involved in placing any investment in securities or in Bitcoin or in cryptocurrencies or in anything. None of the information presented herein is intended to form the basis of any offer or recommendation or have any regard to the investment objectives, financial situation, or needs of any specific person, and that includes you, my dear listener or reader. Everything you’re going to hear is for informational entertainment purposes only.
On to this week’s show and I’m really excited to share it with you.
There are many crypto experts out there and I’ve always want to bring you my 16-17 listeners the best of the best. Like real estate, there are many experts in crypto, many have asked to come on this show to promote their book or course or coaching but something didn’t sit right with me. Maybe it’s me being too picky or analysis paralysis but being patient as it often does paid off.
A more recent, good friend of mine is close personal friends with Dmitry Buterin who is a super successful tech entrepreneur in his own right having exited his last tech company for millions of dollars in his early 40’s.
For those of you who’s spent time in the crypto currency space, you’ll recognize Dmitry’s last name Buterin as it’s the same as Vitalik Buterin, the 28 year old Billionaire from Toronto and founder of Ethereum. Ethereum is 2nd in market capitalization to only Bitcoin and then Ethereum is four times the market cap of third place Tether.
Dmitry has a particularly fascinating story as he grew up during the fall of the Soviet Union, yes he’s Russian so I asked his perspective of living under communism and comparing it to Canada of today.
I asked Dmitry about raising kids, investing in general and of course crypto currencies, and my favourite part, how Dmitry’s look on life changed after selling his business.
As always, when booking guests for this show, I look for interesting stories and stories from folks on the other side of hustle and bustle. What do they do with their time and money. It always fascinates me and hopefully you enjoy this episode as much as I did producing it.
Finally as we are talking about risky investments…
DISCLAIMER FROM Erwin Szeto: I am not an investment adviser. Neither is Dmitry Buterin. All opinions are mine alone. Or theirs. There are risks involved in placing any investment in securities or in Bitcoin or in cryptocurrencies or in anything. None of the information presented herein is intended to form the basis of any offer or recommendation or have any regard to the investment objectives, financial situation, or needs of any specific person, and that includes you, my dear listener or reader. Everything you’re going to hear is for informational entertainment purposes only.
This episode is brought to you by me! We don’t have sponsors for this show, I only share with you services owned by my wife Cherry and I. Real estate investing is a staple in my life and allowed me to build wealth and more importantly, achieve financial peace about the future knowing our retirement is taken care of and my kids will be able to afford a home when they grow up. If you too are interested in my systematic strategy to implement the #1 investment strategy, the same one pretty much all my guests are doing themselves, then go visit www.infinitywealth.ca/events and register for our next FREE Online Training Class. We will be back in person once legally allowed to do so but for now we are 100% virtual.
No need for you to reinvent the wheel, we have our system down pat. Again that’s www.infinitywealth.ca/events and register for the FREE Online Training Class.
This episode is also brought to you www.stockhackeracademy.ca where everyday real estate investors learn the best practices in stock investing to earn cash flow in about 15-30 mins per day from their mobile phones. After real estate, Stock Hacking is the next best hustle as you’ve heard from many past guests on this show. Among our students last year, 31 trades were shared with them. 30 were profitable for an over 96% success rate. I will be giving free demonstrations online, very similar to the one I gave my kid cousin, a full time musician and he just made 50% return in 2021. Past of course does not predict the future but if you’d like a free demonstration go to www.stockhackeracademy.ca in the top right, click FREE Demo. At the demonstration I’ll have special bonuses. We do not advertise publicly for all my favourite listeners and I only have two more demos to give in the next few weeks.
Don’t delay www.stockhackeracademy.ca, what I consider the future of side hustles with real estate so unaffordable for many.
On to this week’s show we have Adam Kitchener, a young man with a lot of real estate experience. Months ago I checked in on Adam after he announced he was winding down his property management company. As someone who’s been around and hired and fired 4-5 property management companies, as a customer, I’m familiar with the challenges in running a PM business but don’t hear it from me, hear it from someone who’s done the job.
Adam is here to share some crazy stories. Property Managing for one of the richest people in the city, in one of the nicest apartment buildings in town. Everyone in town knows this investor’s name.
The pragmatic reasons Adam started investing in real estate, managing through an active stabbing inside the building he was managing. Adam answers the question, who’s harder to manage, the investor or the tenant. The answer surprised me…
Plus what Adam is investing his own money into these days but he does write funny posts on his facebook. https://www.facebook.com/adamrkitchener
On to this week’s show.
As always, we do our best from time to time to bring you leading authorities in investing and today I wanted someone to talk to investing in Alberta who also happens to invests in apartment buildings. His name is Pierre Paul Turgeon and he has 160 doors valued at over $22 million. Pierre-Paul is a former CMHC underwriter so he was the financial expert who reviewed the financials of apartment buildings and apartment building investors to decide if CMHC would insure the mortgage.
Pierre-Paul is very knowledgeable, he doesn’t pull any punches today so apologies in advance to anyone he offends.
He shares where his research went wrong before the most recent oil crash, the challenges of operating apartment buildings during those times. Where the oil, Alberta, apartment building market is going. The silver lining of a major fire in one of his apartment buildings where his daughter lived. How he’s renovating for the new wave of tenants moving into Alberta.
Pierre-Paul has lots of tips so listen close if this is a subject you’re interested in and please enjoy the show!
On to this week’s guest Scott Dillingham, formerly the #2 Mortgage Broker in all of Canada for one of the big banks. Scott shares how the investor mortgage programs changed, almost overnight at the bank, the deterioration of Scott’s health leading to his exit to start Lendcity Mortgages, an independent mortgage brokerage with investor friendly lender relationships including for corporations and even commercial lending on single family rentals.
Scott has grown his business pretty quick with almost 30 staff including a commercial lending department. He also has a sizable real estate portfolio so he knows first hand what we investors go through and he’s a good guy for being one of our top donors to the Hamilton Basket Brigade.
Scott shares his predictions for interest rates in 2022, fixed or variable rate mortgages, where he's investing in the US.
Please enjoy the show!
Not much has changed since then.
Don and brother Rick Lewis went from running a renovation company to a real estate company where they renovate their own properties. They have projects and wholesaling on the go all over southern Ontario and together they own Tridium Corp.
Pay particular attention to how Don and Rick compliment each other.
Then there’s Stephen Jones who is well known in the Durham investor and Keyspire communities. He’s both a successful Realtor and real estate investor and owner of Bluelinerealestategroup.com.
This was another fun episode for me to record and it’s really cool to see how these three including Rick work together after all meeting one another inside my AirBnb in Miami just three years ago.
Please enjoy the show!
On to this week’s show!
We have an action taker who didn’t like the lockdowns and restrictions, sold his house in Oshawa, Ontario and moved the whole family to Costa Rica permanently.
Today we have the famous Rob Break of the Breakthrough Real Estate Investing podcast since 2014. He’s a real estate investor, entrepreneur, licensed real estate professional in both Ontario and Costa Rica. He’s done wholesaling, flipping, buy and hold, student rentals, duplexes, buy, renovate, rent, refinance and repeats aka BRRRRs in Durham Ontario and now Costa Rica.
Rob and I have been friends for years even before he joined Rock Star Real Estate Brokerage years ago. He’s since left but we stay in touch and I finally got him back to give us all an update on investing and living somewhere where the winters aren’t trying to kill you.
Rob shares about flipping in Costa Rica, why he chose the coastal village of Playa Potrero to buy a house and settle. How his boys are adjusting to new surroundings and private school, opportunities for short term rentals, renovation projects, and what the numbers look like.
As this show is about the truths around real estate investing, Rob being a good guy shares his honest opinion on where to best invest for return on investment.
For you aspiring podcastors and Realtors, I ask Rob about if he could do it all over again what he’d do differently.
Maybe one of our real estate friends will be kind enough to organize a meetup in Costa Rica so we investors may all go have a working vacation :).
I had a great time catching up with Rob Break and hope you enjoy this episode as much as I did.
On to this week’s show with Kornel Szrejber!!
Financial Freedom or Independence or Security or whatever your goals are, there are many ways to get there.
I personally think having your home paid offer and one paid off investment property would be life changing for many. Having ten paid off investment properties would be even more so but not everyone is that ambitious.
Some are good with living a frugal lifestyle. The two people I met who I considered financially free before the real estate boom were frugal ppl. One with a couple Brock University student rentals and the other owned two triplexes in Toronto and lived in one. One drove a really old Mazda, the other didn’t even own a car.
Today we have Kornel who has found freedom mainly through boring, buy and hold exchange traded funds (ETFs for short). These trade like stocks and they track the movements of an index, sector, commodity, or a fund managed by professionals.
But like many of you he couldn’t stay retired for long and purchased a conference called the Canadian Financial Summit and made a success of it.
Not an easy feat in my experience but it helps when one hosts a successful podcast like Kornel does. 1.2 million downloads to be specific and the show is called Build Wealth Canada available anywhere one listens to podcasts. On his show, Kornel interviews finance experts for their best practices, tips and tricks for financial planning purposes.
On to this week’s show!!
During the pandemic, I picked up a new hobby called golf because during the early pandemic, you couldn’t see your friends or clients unless it was on a golf course. From there I was hooked as I personally enjoy mixing business with pleasure, playing golf and networking and doing business.
While golfing, specifically dinner and drinks after golf, it was there I had a more in depth conversation with Andre Matos, a Home Financing Advisor Scotia and Stock Hacker Academy alumni. Andre explained to me the mortgage products available only directly from Scotia include mortgages on property owned inside a corporation.
This was news to me and I told Cherry about it right away as we own 11 of our 12 properties inside a corporation.
If you’re wondering if you should incorporate your investment properties, Cherry my wife of www.realestatetaxtips.ca offers a report called “7 Questions to Ask Yourself When Deciding to Incorporate” Report https://realestatetaxtips.ca/7questionsreport/
Andre is a serious real estate investor hence he has several mortgages in a corporation with Scotia Bank, he’s a Stock Hacker, an immigrant from Brazil as you can tell from the accent, and he’s passionate about sharing practical advice and his experience to anyone who will listen.
As always, this show is about experience sharing. I get nothing in return from Andre nor Scotia for having him on the show. Nothing we discuss today should be considered financial advice, for professional financial advice, see a financial advisor. If you are a great one or know of one, I’m all ears!