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.

Remember the old saying, "A penny saved is a penny earned"? If it was ever true, it certainly isn't true anymore. Today, simply saving your money in a bank account is one of the surest ways to lose value. Here's why. 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 the Rule of 72 in investing. When setting aside money for retirement, the big question is, “How much will I need?” And the even bigger question is, “How much money do I have to invest to get there?” That’s where the Rule of 72 comes in. Here’s the Rule of 72: What it is and why it matters for your retirement. 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 protect yourself from real estate scams. According to the FBI, from 2015 to 2017 cybercrime targeting real estate transactions rose by over 1,100%, and the amount of money lost rose by almost 2,200%! The most common way for scammers to attack is by hacking into a buyer’s email and monitoring messages between the buyer and Realtor. Here are 6 ways to protect yourself from real estate scams. 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 home projects and when it makes sense to hire a pro vs. doing it yourself. Right now, you are probably either living in a new home, dreaming of renovations, or thinking about making changes or improving the home you’ve lived in for years. The BIG QUESTION is, how do you afford to pay for renovations and improvements? Depending on your “handyman” skills, there are lots of home projects you can do yourself for little or no cost. Here’s how to decide which projects are DIY and which need professional attention. 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 5 ways you can make money when you’re not working. You work hard for your money. Wouldn’t it be nice if your money started working hard for you? By doing a little up-front legwork and investment, you can create an ongoing income stream that continues, even when you’re on the beach sipping a Mai Tai. Here are 5 ways to generate passive income. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

When housing prices start to rise, buyers get nervous and start to question the worth of the home and if they are paying too much for it. Because the last thing you want to do is make an offer on a house priced too high! In some competitive markets, sellers think the sky is the limit when setting an asking price. So as a buyer, you have to take several factors into account in order to determine whether a home is actually worth the asking price. Here are 4 ways to know if a house is overpriced. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Have you ever considered adding an outdoor shower to your backyard? Here a few tips and things to consider for adding practicality, enjoyment and even value to your home by installing a backyard shower. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

It sounds crazy, doesn’t it?Negative interest rates. You put money in the bank and instead of earning interest, you have to PAY the bank for keeping your money safe! In essence, that’s what negative interest rates are. Here’s what every homeowner needs to know about so-called “negative interest rates”. 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 millennials are changing the real estate landscape. As millennials become the largest adult generation, it’s no surprise that they’re becoming a major force in home buying. According to Zillow, a US-based online real estate marketplace, millennials now make up 42% of all homebuyers. Here’s how millennial buyers and sellers differ from previous generations. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.