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Is Toronto Experiencing a Real Estate Bubble?

It’s not exactly news that ordinary Canadians are being squeezed out of many real estate markets. Prices for both single-family homes and condominiums in markets like Vancouver, Montreal and Toronto (and their suburbs) have skyrocketed — far outstripping wage growth. But developers are still building — creating more and more homes for a rapidly narrowing …

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Rate of Return – it is risk adjusted rate of return that matters

When you’re investing, rate of return is a key metric you want to pay attention to. Simply put, it’s the gain or loss of your initial investment over a specific period of time. For example, if you invested $100 today and your investment grew to $105 a year later, then your rate of return would …

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The Advantages and Disadvantages of Buying a New Home vs an Existing Home in Toronto, ON

If you’re planning on investing in real estate, then you’re going to have two main options: to buy an existing home or buy a new home in Toronto, ON. An existing home is a house that has been lived in before, whereas a new home is a house that has just been constructed and has …

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Victory Lap Retirement – A tribute to the new retirement model

I recently took the time to sit down and enjoy my second Jonathan Chevreau book, “The Victory Lap Retirement” which addresses a topic covered in my own book “The Real Estate Retirement Plan” in a different way. Both books address the topic of retirement in different but very complementary fashion. The underlying problem is the …

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RESP – The Tax Sheltered Education Plan You Shouldn’t Say No To!

Isn’t it nice when you go to your bank to deposit a cheque and they hand you $500 just as a thank you having an account with them? No? That’s never happened to you? Strange. Then you must not be using RESPs! The RESP, or Registered Educational Savings Plans, is a fantastic initiative by the …

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The Irrational Exuberance & Greed of GTA and Vancouver Real Estate Investors in 2017

The Problem Real estate investors often fail to objectively assess their existing portfolio in the same way that a holistic wealth management professional or financial planner would when dealing with equity investments. Many real estate investors who began their investment career following sound investment principles have got caught up in the hype and strayed from …

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4 Financial Risk Factors & Your Risk Tolerance

An age old question in investment suitability is “how much risk do I take?” and it’s a key consideration in your investment activities. Naturally changes in life circumstances may change your tolerance for risk over time, but self-reflection helps in this area so you can be confident that you’re making smart financial decisions which are …

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