Tuesday, December 23, 2014

Mortgage money cheap, investing it into high yield return is only math, did you miss...

The personal finance debate over whether you should pay off your mortgage or invest your savings, some take a firm stand.
"Eliminating debt, high interest debt is one thing and paying off mortgage debt, low interest obligation is another one" notes Konstanting Kuligin of myrrsp.com 
Kevin O’Leary says maximizing your mortgage payments will be the safest investment you’ll ever make, but again, he was only in the mortgage lender business for only a few months, so his statement might not been well funded.

Real experts don’t always agree. Many will tell you: “It is more complicated than that” What, for example, is your earnings, your risk tolerance or your level of discipline when it comes to save? Which direction will you go for greater tax advantage? Yes, tax advantages are one of the main components of every investor to consider.
If you use the $5,000 to pay down the mortgage principal over the next 16 years while (4% interest) maintaining the normal monthly payments, you will have the whole amount paid off in 16.4 years (shaving off almost 9 years) you save more than $56,000 in interest
$5,000 in a portfolio that returns 6% annually in a tax-free savings account, your portfolio would be worth $136,064.40 after 16 years.
Than think about what can you make in a double digit return environment, when your investment funds create double digit return, tax free and the unpaid tax portion will also bring new profit.
 “Assuming mortgage rates will stay at 4%, what is for sure not guaranteed”  says Kuligin.“Double digit return, though it carries some risk, can weather some fluctuations and still be better use of your RRSP funds than paying down your mortgage, the cheapest money you will every borrow” he says.
The bottom line is that the pay down is the best option if you are the conservative type and/or don’t have a lot of investing acumen. If you are comfortable with investing into deals with protected capital and great return, secured by prime real estate– but be sure the money is 
tax-sheltered.” president of MortgagePRO Ltd. Zoltan M. Padar a mortgage brokerage head quartered in Calgary, Alberta, explains the ins and outs of investing into real estate backed mortgages, where you are the bank, "beat the bank, be the bank, it is not a secret, banks most favorite investment vehicles are mortgages, as well as the most lucrative" he added.Visit us and learn more on the best arm chair investment ever been invented, rather you using you own capital, you borrow to invest and write off the cost, how to retire earlier, as smart investor retires early. Are you one?


Tuesday, March 11, 2014

Best networking group you ever to join

You are invited!
I am the organizer and managing Private Mortgage Lenders Canada a Network of Realtors, Real Estate Investors, Mortgage Brokers and Private Mortgage Investors Have you ever added all the expenses your business requires to advertise, promote your business? You would wonder wouldn't be a better world if you keep all those hard earned dollars? Networking cost you nothing, our membership is free and when you sign up we will approve you in a short time. Join us 

Friday, February 21, 2014

TFSA or RRSP that is the question

RRSP offers:

  • tax savings at the time most likely earn the most in your life, you are in high rate of tax bracket
  • investing into high return opportunities, like mortgages at 12% will grow your RRSP plan fast
  • profit earned with your RRSP plan is tax free as long as the profit goes back into the plan
  • you can borrow from you own plan and have 15% to pay back tax free
  • at the time you start drawing on your plan, most likely you will be in a low tax bracket, pay low tax
  • you can borrow to contribute to the plan and write off the cost
  • yearly contribution allowed up to 18% of your gross earning


TFSA offers;

  • yearly contribution of $5,500 not as much as RRSP, but it accumulates fast
  • you can take those funds out at any time, use it for any reason and redeposit at any time
  • you pay no tax on what it generates inside the account, take your profit at any time
  • you can not redeposit you profit only the allotted funds, to the ceiling
  • you can fund high yield mortgages and pay no tax on the profit inside the TFSA
  • you will not pay any taxes when you take it out, just like you did not get any tax break when you have deposited to the account, so no matter what level you are be taxed


You be the judge or if you can not make a decision, talk to us, we know all about the ins and outs of these investment vehicles and how to get the most out of them.
Investing your RRSP and or your TFSA funds into high yield mortgage investments will not only provides you with highly secured exceptionally great return, but also provides you with monthly income and tax free profit. What is the best way to go? Ask the experts, visit us online and than call for a FREE consultation session today, saving for your retirement can not be start early enough. 
Smart investor retires early, are you one?

Saturday, January 11, 2014

How to borrow at 3% and invest for 12% up, any questions?

Now we are talking about smart investor retiring early. Yeah? Only talking about it? Now, I will let you know on a secret, what in reality is not a secret, only you have not heard it before. Many very successful investor doing it (my investment company), and to be successful you need an ironclad plan. Investing and be successful needs a lot of planning, not luck. Anybody tells different they are not the best people to give you investment advise, for sure. Here are the basics of investing into mortgages, the most favorite investment vehicles for banks, trust companies and credit unions besides MIC and other private and semi private organizations investing heavily into property backed securities:

  • how to borrow low and invest high (bet you heard it before),
    • invest only when capital is over hundred percent protected (it is not the stock market),
    • you can invest your own capital or borrow(simple if you have it or you can),
  • borrow to invest: against your good credit or your home ( at 3% you are good),
  • invest into private mortgages for a double digit return ( at 12% up return your profit is at least 9%),
  • when you invest the borrowed money, you can write off the cost of your borrowed capital (daaa),
  • how to you use your RRSP plan, where all the profit tax free (tax man running empty),
  • might use your TFSA account to lend and the generated profit is tax free (by now the tax man respects you or hates you, no matter you are the WINNER)
How to achieve high return, how to invest safe and sound, how to get the highest form of protection for your money is on our website. Visit us for more information on this proven method of investing, learn about the process and contact me, I will be more than happy to work with you to get your money working for you 24 hrs. a day, seven days a week and 365 days a year. My Services are FREE to you!
Smart investor retires early, are you one? Or you just another dreamer?
Thirty second video: Words from the president!