Borrowing to invest sounds smart until the market drops and the bank wants its money back immediately.

Financial planner Anita Bruinsma draws a hard line on margin investing: borrow against your portfolio to buy more investments, and a sudden market decline triggers a margin call that can force you to sell stocks that are already down. She says it is a strategy she does not even bring up with clients.

The same principle applies to account sprawl. Anita Bruinsma says too many accounts in too many places creates analysis paralysis, kills your big-picture view of your money, and quietly costs you in fees and missed returns. Her position is blunt: complexity does not add value, and simple investing is how 98% of people actually build wealth.

Topics: borrowing to invest, margin call, HELOC investing, financial planning Canada, Canadian Investor Protection Fund

GUEST: Anita Bruinsma | http://clarityonyourmoney.com

Originally aired on 2026-04-30

Borrowing to invest sounds smart until the market drops and the bank wants its money back immediately.
Financial planner Anita Bruinsma draws a hard line on margin investing: borrow against your portfolio to buy more investments, and a sudden market decline triggers a margin call that can force you to sell stocks that are already down. She says it is a strategy she does not even bring up with clients.
The same principle applies to account sprawl. Anita Bruinsma says too many accounts in too many places creates analysis paralysis, kills your big-picture view of your money, and quietly costs you in fees and missed returns. Her position is blunt: complexity does not add value, and simple investing is how 98% of people actually build wealth.
Topics: borrowing to invest, margin call, HELOC investing, financial planning Canada, Canadian Investor Protection Fund
GUEST: Anita Bruinsma |<a href="http://clarityonyourmoney.com"> http://clarityonyourmoney.com</a>
Originally aired on&nbsp;2026-04-30

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Why Borrowing to Invest Makes Anita Bruinsma's Blood Pressure Spike

Alberta's voter registry data for 2.9 million people has reportedly been accessed by a separatist organization, and the RCMP has opened an investigation. Rob Breakenridge says it shows what groups are willing to do as a potential separation vote approaches.

The data was used to build a targeting app aimed at specific voters and demographics. Rob Breakenridge also flags anonymous YouTube accounts generating AI content around separatist talking points, with funding sources that remain unclear.

On the national side, Rob Breakenridge says Canada's $11 billion deficit reduction came from oil revenues, credited by a government that has long resisted embracing the sector, and that the sovereign wealth fund being launched with borrowed money raises its own set of questions about what it is actually meant to solve.

Topics: Alberta voter registry breach, Alberta separation, Canada fiscal update, sovereign wealth fund, AI political content

GUEST: Rob Breakenridge | robbreakenridge.ca

Originally aired on 2026-04-30

Alberta's voter registry data for 2.9 million people has reportedly been accessed by a separatist organization, and the RCMP has opened an investigation. Rob Breakenridge says it shows what groups are willing to do as a potential separation vote approaches.
The data was used to build a targeting app aimed at specific voters and demographics. Rob Breakenridge also flags anonymous YouTube accounts generating AI content around separatist talking points, with funding sources that remain unclear.
On the national side, Rob Breakenridge says Canada's $11 billion deficit reduction came from oil revenues, credited by a government that has long resisted embracing the sector, and that the sovereign wealth fund being launched with borrowed money raises its own set of questions about what it is actually meant to solve.
Topics: Alberta voter registry breach, Alberta separation, Canada fiscal update, sovereign wealth fund, AI political content
GUEST: Rob Breakenridge | robbreakenridge.ca
Originally aired on&nbsp;2026-04-30

Shiftheads - Rob Breakenridge on the Alberta Voter Database, the Fiscal Update, and Who Is Watching

Terry Fox was 21 years old when he wrote the letter that started the Marathon of Hope. Fred Fox says cancer had already changed his brother completely by then.

Before his diagnosis at 18, Fred Fox says he would not have described Terry the way the letter reads. Chemo and watching others go through it shifted something. Everything Terry did after was about other people. When their mom called the idea of running across the country crazy, Terry told her simply that people across Canada get cancer too. She never pushed back again.

The Terry Fox Foundation is now past a billion dollars raised. Fred Fox has taken the message to Mumbai, Belgium, Ireland, Wales, and small Manitoba farming towns that Terry never reached. He says nothing surprises him anymore about where the marathon has gone.

Topics: Marathon of Hope, Terry Fox, Fred Fox, Terry Fox Foundation, cancer fundraising Canada

GUEST: Fred Fox | terryfox.org

Originally aired on 2026-04-30

Terry Fox was 21 years old when he wrote the letter that started the Marathon of Hope. Fred Fox says cancer had already changed his brother completely by then.
Before his diagnosis at 18, Fred Fox says he would not have described Terry the way the letter reads. Chemo and watching others go through it shifted something. Everything Terry did after was about other people. When their mom called the idea of running across the country crazy, Terry told her simply that people across Canada get cancer too. She never pushed back again.
The Terry Fox Foundation is now past a billion dollars raised. Fred Fox has taken the message to Mumbai, Belgium, Ireland, Wales, and small Manitoba farming towns that Terry never reached. He says nothing surprises him anymore about where the marathon has gone.
Topics: Marathon of Hope, Terry Fox, Fred Fox, Terry Fox Foundation, cancer fundraising Canada
GUEST: Fred Fox | terryfox.org
Originally aired on&nbsp;2026-04-30

ICYMI - Fred Fox on the Letter, the Run, and What Terry Said to Their Mom

Terry Fox is still in Canadian classrooms, still in the currency debate, still the name that comes up when Canada talks about who it actually is.

Ed Conroy anchors the moment in time: 1980, a Canada punch-drunk from the 1970s, facing a real chance of losing Quebec, and then one young man with cancer who ran into the middle of all of it and made the country stop.

Ed Conroy's real question isn't about 1980 at all. It's about now: with fracturing happening all over the place, is a Terry Fox moment even possible anymore, and what would it take?

Topics: Terry Fox, 1980 Canada, Canadian history, national fracturing, Marathon of Hope

GUEST: Ed Conroy | http://retrontario.com

Originally aired on 2026-04-30

Terry Fox is still in Canadian classrooms, still in the currency debate, still the name that comes up when Canada talks about who it actually is.
Ed Conroy anchors the moment in time: 1980, a Canada punch-drunk from the 1970s, facing a real chance of losing Quebec, and then one young man with cancer who ran into the middle of all of it and made the country stop.
Ed Conroy's real question isn't about 1980 at all. It's about now: with fracturing happening all over the place, is a Terry Fox moment even possible anymore, and what would it take?
Topics: Terry Fox, 1980 Canada, Canadian history, national fracturing, Marathon of Hope
GUEST: Ed Conroy |<a href="http://retrontario.com"> http://retrontario.com</a>
Originally aired on&nbsp;2026-04-30

Why Borrowing to Invest Makes Anita Bruinsma's Blood Pressure Spike

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