OK, today we’re going to talk about installing routines in your life that can make you rich. The word “routine” may sound boring, but if you want to accomplish anything significant in life, it’s going to take consistency – a disciplined routine! – to make it happen. It’s been said that resolutions without routines are like Ferraris with no fuel – they might look pretty, but they won’t take you anywhere! With that in mind. Here are 7 routines that separate the rich from everyone else. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Reducing debt is almost always a good idea. The only exception is when you’re using debt to make an investment that will pay a return. Here’s how the rich do it. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

It’s true. Most people never retire early or rich. Why? Because they lived their pre-retirement years as if they were rich already. It’s an easy trap to fall into when all the ads, TV shows and movies show average folks enjoying expensive toys. So we end up using credit cards, lines of credit and mortgages to spent over 100% of our income on fancy cars, exotic vacations, the latest smartphone and the biggest TV. As a result, we get deep in debt, pay huge interest costs, collect a bunch of stuff that has no resale value, and retire with no savings. But there is a better way! Instead of living beyond our means, we can use our money and time strategically—so we save enough to retire earlier and more financially secure. All it takes is a little common sense. Here are four wealth-building tips. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about whether it’s better to rent or own when you retire. As retirement approaches, you’re probably deciding whether to downsize your home. But there’s another important decision you should also consider: is it better to own or rent? Here are 6 things to consider when deciding whether to rent or own. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about when and why to refinance your mortgage. There are lots of good reasons to refinance your mortgage. But it’s important to remember that refinancing is only worthwhile if your situation and needs meet certain criteria. Here are 4 reasons to consider refinancing. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

It may be tempting to look at today’s relatively low mortgage rates and consider refinancing to get a better rate. Certainly, if your existing rate is significantly higher than today’s rates, this might make economic sense. But, before you decide, here are a few tips to consider. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about one reason why housing prices can be so high. Everybody has a theory for why home prices rise. One reason is that builders aren’t building enough new homes because zoning and building regulations are too restrictive. In reality, house prices rise when demand is high. Here’s where the demand is coming from. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Your credit report is used to create your credit score, which is how lenders determine whether you qualify for a mortgage and what rate you’ll pay. It’s essential to make sure everything on your report is accurate and up-to-date. Here are 4 things to look for when reviewing your report. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

As the saying goes... "fail to plan and you’re planning to fail." Let’s say you want to achieve financial security—even become a multimillionaire. You could make a wish or buy lottery tickets. Or you could make a plan to get you there. Here Are 6 Tips For Creating Wealth. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about how to set up and stick to a budget. For some people, “budget” is a scary word. They think it means doing without, following strict rules, being a math genius. But in reality, a budget is just a plan for your money that helps you stay out of debt, save for retirement and achieve financial security. Here are 7 ways to set and stick to a budget. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Have you ever wondered which is smarter: To pay off your mortgage or use that money to invest in retirement? Here are a few factors to consider. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Here’s an easy way to think about your finances. Instead of trying to picture all sorts of complicated accounts and budget lines, just imagine you have 6 jars in front of you. By putting all your money into these jars each month—in the correct proportions—you’ll easily achieve financial security. Here are the 6 jars of money management you need to know. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we’re going to talk about the importance of the home appraisal in nailing down a deal. In every real estate transaction, there’s the price the seller would like to receive and the price the buyer would like to pay. But there’s one other price that can overrule both those prices: the lender’s appraisal. Here are 4 ways to protect yourself from a low appraisal. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

One thing we as human beings have in common is a desire to be happy, healthy and wealthy. In other words, all people want to feel good and avoid feeling bad. Makes sense, right? The problem is, most people don't feel good. According to the OECD, Canadians are among the world’s biggest consumers of antidepressants. Here are 5 simple steps to feel good every day. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about 4 ways to avoid becoming “house-rich” and “cash-poor”. Being “house-rich, cash-poor" means you have all your money tied up in your house, with little left over for day-to-day expenses. You may be living in a nice home, but it feels like you’re living in poverty! Either way, you’re left with significant mortgage expenses and little cash to cover them. Here are 4 ways to avoid becoming “house-rich, cash-poor”. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Question for you: Is your Financial Planner a Professional, Entrepreneur or Self-employed? That may sound like a funny question. After all, what difference does the job status of your financial planner make? Actually, it can make a big difference to the advice and investment knowledge you’re receiving. Here’s what you need to know about choosing the right Financial Planner. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Question for you. Are you curious what your home is worth in today’s market? Here’s the most accurate way to find out. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about how to use the equity in your home to buy a revenue or investment property. If you’ve been in your home for a few years, you may have built up substantial equity. Instead of just letting it sit there doing nothing, why not put that equity to work creating wealth? Here are 3 steps to using your equity to buy an investment property that can provide ongoing income and future financial security. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about several important things to look for when shopping for a credit card. Credit cards offer a lot of different features and advantages. What you have to figure out is which features work best for you and save you the most money. Here are 5 options to consider when shopping for a credit card. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

If you’re looking for a way to accelerate your savings so you can achieve financial independence more quickly, you might want to consider self-employment. The safest way to start is by earning self-employed income on the side while keeping your current full-time job. But regardless of whether you’re self-employed part-time or full-time, you can benefit from many tax-deductible business expenses. Here are 7 tax advantages of being self-employed. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.