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108 Year 7 month Amortization… Totally Cool Says The Fed!

108 Year 7 month Amortization… Totally Cool Says The Fed!

July 2015 I wrote 136 words on this topic, hoping that the image alone would get some traction. It was a pretty insane image to a numbers geek like me – linked here.   Perhaps this 381 words worth will garner more attention.   This months Visa images...
Changes For All Coming Oct 17, 2016

Changes For All Coming Oct 17, 2016

Happy Turkey-Day!     What do these changes mean for you? If you are actively shopping for a home and have less than a 20% down payment, your new maximum purchase price Oct 17 (likely sooner) will be REDUCED by 20% from the previous original ***MAXIMUM***...
Call Your Local Professionals

Call Your Local Professionals

 Call Your Local Professionals   We have seen no shortage of headlines this year, or any of the past 5, 10 or 20 years, from ‘credentialed’ observers of the Canadian Real Estate market from around the world offering dire forecasts. Another year another story of...
Different Times, Different Mortgages.

Different Times, Different Mortgages.

Different times call for different mortgages. My current recommendation for (specifically qualified) buyers is often a two-year fixed. This is what ~70 per cent of my clients are already in at the moment, if not a variable. It boils down to rate and flexibility. Why...
Are You A Genius?

Are You A Genius?

Three Types of Real Estate Investors   There are three types of real estate investors. There’s the Tourist, the Committed (mostly), and the Genius.   The Tourist   The Tourist is somebody who converts their owner-occupied property into a rental and retains...
Perspective And Vancouver Real Estate

Perspective And Vancouver Real Estate

Is the sky falling, in reference to Vancouver real estate? Certainly there have been hyperbolic headlines with anecdotal content based on incomplete data over too short of a timeline suggesting indeed it is…although even then only sort of. The number of units...
Has Mortgage Debt Shot Up?

Has Mortgage Debt Shot Up?

  WHAT ABOUT OUR DEBT LEVELS?   Amidst increasing media and water-cooler chatter of potential drops in real estate values of X%–Y%, let’s take a moment and review the systemic risk via mortgage debt numbers.   The first, and largest, piece of the puzzle...
What does it mean to be Canadian?

What does it mean to be Canadian?

What does it mean to be Canadian? I have asked this question quietly to myself more than once over the years.   ***For a post on the nuts & bolts of the new legislation click here – this post is specifically about the unbelievable way in which we are...
A Slap In The Face… For CDN’s Too

A Slap In The Face… For CDN’s Too

In the News: 15% Property Transfer (bonus) Tax for Foreign Buyers. Short Version “Good intentions can often lead to unintended consequences” – Tim Walberg As Canadians we no longer appear to be a people that keeps out word. Review the official policy here.   Long...
The 2016 Ride

The 2016 Ride

This post is specifically not asking for donations. In fact there is no link to my 2016 Ride to Conquer Cancer page at all.   This post is meant to trigger bigger action on the part of at least one reader, perhaps a few. The reader who likes a challenge, likes...