Personal Finance 101 Canada’S Housing Market Analysis Buying Vs Renting a Home
Personal Finance 101 Canada’S Housing Market Analysis Buying Vs Renting a Home

Author: Dmitry Newman

Publisher: Xlibris Corporation

Published: 2016-02-05

Total Pages: 60

ISBN-13: 1514454734

DOWNLOAD EBOOK

Real estate market growth in Canada experienced unprecedented growth in the last five years, driving housing prices to an unaffordable level for an average household and giving an impression of a housing bubble, similar to the one seen in the United States in 2007. Yet a large number of Canadian families are dreaming of becoming homeowners at any cost (even if they are not able to afford it) without clear understanding of risks and costs associated with a home purchase. But under current market conditions, homeownership is a luxury rather than a profitable investment. The book provides a real-life illustration of two options available for a family debating between buying and leasing a townhouse in Toronto (the readers are able to easily extend this analysis to other types of residential properties). One of the findings from this mathematical exercise is that an unchanged house price by the end of a five-year term results in a $90,000 loss by the homeowner. This implies that the only rational explanation for a desire to buy the townhouse is expectations of capital appreciation that will be sufficient to compensate for the additional costs of homeownership. The analytical section of the book provides an insight into an upcoming price moderation stage for the Canadian housing market. Analysis include a discussion on the forces of supply and demand that drove the Canadian housing prices to the level where they are today and an outlook on what is likely to happen with these forces in years to come. The user-friendly Excel model is available for download by readers free of charge and can be used for evaluation of their own personal options.

The Wealthy Renter
The Wealthy Renter

Author: Alex Avery

Publisher: Dundurn

Published: 2016-09-10

Total Pages: 265

ISBN-13: 1459736486

DOWNLOAD EBOOK

A National Bestseller! Why be house poor when you can rent rich? “Why rent when you can buy?” More than any other, this phrase captures the overwhelmingly unanimous promotion of home ownership to Canadians. Real estate agents, mortgage brokers, family, friends, and even the government promote ownership as a safe, attractive, and sure-fire path to personal wealth. This one-size-fits-all advice ignores the reality of Canada’s housing market. Canadians deserve better advice. Faced with expensive house prices in a near-zero interest rate world, it’s time Canadians heard the virtues of renting and seriously considered renting as an alternative to home ownership. Real estate analyst Alex Avery insists renting offers a simple, more affordable way to live, plus in Canada’s frenzied housing market, going month-to-month is dramatically lower risk. He claims the reputation of home ownership as a wealth building strategy is unfounded and shows renters how to replace bricks-and-mortar with better investment opportunities.

Real Estate Investing in Canada
Real Estate Investing in Canada

Author: Don R. Campbell

Publisher: John Wiley & Sons

Published: 2009-01-16

Total Pages: 320

ISBN-13: 0470158891

DOWNLOAD EBOOK

FREE DOWNLOAD OF PROPERTY ANALYZER SOFTWARE Canadians in greater numbers than ever before are turning to real estate to build wealth. The Authentic Canadian Real Estate (ACRE) system is the first of its kind to show average Canadians how to profit from investing in residential real estate. In Real Estate Investing in Canada, you will discover how to cut through the hype and emotion of any real estate market and accurately assess the inherent risks and rewards. Whether you are buying your first property or your 100th, this book provides new-found tools, strategies and condence to help you achieve your investment goals. WHAT CANADIAN INVESTORS SAY ABOUT REAL ESTATE INVESTING IN CANADA AND DON R. CAMPBELL: "This is a great book. The information in just one of the chapters alone saved me over $28,000." Michael Millenaar "Full of practical Canadian content and presented in an organized and respectful system. It directly addresses how to get the money and financing you need to purchase real estate and achieve your goals." Tamara MacLaren "One of Don Campbell's great gifts is his near-genius ability to take something that appears complex and break it down into a simple step-by-step system that anyone can follow. I am convinced that everyone will thoroughly enjoy, and more important, benefit financially, by reading this book." Russell Westcott "The power of Real Estate Investing in Canada lies in the super simple, market-proven system that it offers you. It makes real estate dreams possible for any Canadian. If you are serious about learning the truth, cutting through the hype and being successful, this is your real estate bible!" Valden Palm, MisterRRSP.com The markets across the country are continually shifting and you must keep on top of the latest information. So, as a bonus, every registered reader of Real Estate Investing in Canada will have proprietary access to critical forms and ongoing market research at www.realestateinvestingincanada.com.

Home Buying For Dummies
Home Buying For Dummies

Author: Eric Tyson

Publisher: John Wiley & Sons

Published: 2009-04-01

Total Pages: 378

ISBN-13: 0470500662

DOWNLOAD EBOOK

Now updated — America's #1 bestselling home-buying book! Want to buy a house, but concerned about the market? Have no fear — this trusted guide arms you with Eric Tyson and Ray Brown's time-tested advice and updated strategies for buying a home in current market conditions. You'll discover how to find the right property, make smart financial decisions, and understand the latest lending requirements and tax implications. New to this edition — new and expanded coverage to help homebuyers take advantage of low home prices, understand the subprime mortgage crisis, obtain a mortgage, and improve credit scores To buy or not to buy? — weigh the advantages of owning versus renting, get your finances in order, and know how much house you can safely afford Handle financing — understand your credit rating, navigate the different types of mortgages, and complete all paperwork Play the real estate game — find the right location and property, assemble an all-star real estate team, and make the most of the Internet's real estate resources Let's make a deal — negotiate with finesse, make successful offers, inspect and protect your new home, and cover all your bases in escrow "Invaluable information, especially for the first-time home buyer." —Fort Worth Star-Telegram "A reference you'll turn to time after time." —St. Petersburg Times Open the book and find: Reasons why home prices rise and fall Hands-on instruction for buying a home in up or down markets How to pay the price you want The best mortgage options A sample home-buying contract Pros and cons of comparable market analysis Tips for overcoming mortgage and appraisal problems How to cope with buyer's remorse The best real estate Web sites

Renting Out Your Property For Dummies
Renting Out Your Property For Dummies

Author: Melanie Bien

Publisher: John Wiley & Sons

Published: 2011-02-14

Total Pages: 378

ISBN-13: 1119996597

DOWNLOAD EBOOK

Advice on profitable strategies, problem tenants, UK legal issues, and more! Minimise rental headaches and maximise cash flow - without agent's fees Whether you want to become a property tycoon or just rent out a second home, this guide to the UK rental market is your roadmap to success. Now fully updated with extra coverage on tax issues and company formation, let successful landlords Melanie Bien and Robert Griswold show you how to buy the right property, avoid legal problems, retain the best tenants, and maximise your rental income. Praise for Renting Out Your Property For Dummies "This book is a comprehensive guide to the process of renting out your property, brim full of sound practical advice based on years of experience. It's an absolute must for the bookshelf of any would-be landlord, novice and experienced alike." —Tom Entwistle, Editor of the rental property Web site, www.LandlordZONE.co.uk Discover how to Market your property and screen tenants Set the right rent and manage increases properly Master maintenance issues, from DIY to 'contractor dream team' Stay on top of your finances and record keeping

Money Like you Mean It: Personal Finance Tactics for the real World ǀ A simple guide to master personal finance and make more money
Money Like you Mean It: Personal Finance Tactics for the real World ǀ A simple guide to master personal finance and make more money

Author: Erica Alini

Publisher: Sristhi Publishers & Distributors

Published: 2023-10-09

Total Pages: 132

ISBN-13: 9395192348

DOWNLOAD EBOOK

Confused whether to buy a house or rent it? How to manage debts? Is it really essential to have a passive income source to aid wealth creation? MONEY LIKE YOU MEAN IT is a personal finance tool kit to help you manage finance in the real world. For the new age investors, who want to make the most of what they have, this is a treasure trove of information! - Smart tools to aid wealth generation and management - Learn the ins and outs of smart borrowing and debt management - Practical insurance advice and budgeting techniques - Hands-on insights into savings for retirement - Packed with recent and relevant examples

Canadian Real Estate Investor Financing
Canadian Real Estate Investor Financing

Author: Dalia Barsoum

Publisher: Dalia Barsoum

Published: 2013-03-08

Total Pages: 0

ISBN-13: 9780991868704

DOWNLOAD EBOOK

Canadain Real Estate Investor Financing - 7 Secrets to Getting All the Money You Want; shows you how you can start or grow any real estate portfolio with these proven and somewhat "insider techniques" revealed by "X" bankers Dalia Barsoum and Enza Venuto. Every Candian Investor will now discover: The Rules of the Investment Game ] How to Get Creative with the Rules ] Zero Down Mortgages and VTB's ] How to Finance Joint Ventures ] Private Money Sources ] Mortgages for Investors Eyes' Only ] The Million Dollar Answer

The Coffeehouse Investor's Ground Rules
The Coffeehouse Investor's Ground Rules

Author: Bill Schultheis

Publisher: John Wiley & Sons

Published: 2020-11-24

Total Pages: 160

ISBN-13: 1119717086

DOWNLOAD EBOOK

Learn to save, invest, and plan to achieve financial independence in retirement and take charge of your financial destiny, from the author of The Coffeehouse Investor In The Coffeehouse Investor's Ground Rules, financial advisor Bill Schultheis helps you take control of your long-term financial goals and enjoy financial freedom in retirement. Building upon the philosophy that made his first book, The Coffeehouse Investor, a critically-acclaimed bestseller, Bill shows you how ignoring Wall Street and the myth of the ‘perfect portfolio’ lets you focus on the only three components that really matter—saving, investing, and planning. One of the most common mistakes investors make is staking their entire financial futures on index funds while ignoring the basics. Index funds are not the solution to building lasting wealth. Index funds are simply the financial tools that enable you to devote your attention to the essential components of long-term financial security. By following the “Ground Rules” in this real-world guide, you can transform your whole approach to saving, investing, and planning, and become a true ‘Coffeehouse Investor.’ Packed with personal stories and easy-to-understand explanations of financial concepts, this engaging and enlightening book shows you how to: Tune out the noise of Wall Street an adopt a simpler, smarter long-term investment philosophy Navigate the stock market, decide how much to save, and know where to put your investments Save money with confidence and stop underestimating your own financial abilities Reap enormous benefits tomorrow by saving even small amounts today Build a well-balanced financial plan that incorporates tax management, insurance, and estate planning If you’re a man or woman wanting to become more involved in your long-term finances, The Coffeehouse Investor's Ground Rules: Save, Invest, and Plan for a Life of Wealth and Happiness is a must-have resource.

The Financial Crisis Inquiry Report
The Financial Crisis Inquiry Report

Author: Financial Crisis Inquiry Commission

Publisher: Cosimo, Inc.

Published: 2011-05-01

Total Pages: 692

ISBN-13: 1616405414

DOWNLOAD EBOOK

The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.