Joaquin Bustillo - Mortgage Agent... #416-568-9189 @JBFinancial_ca

@ronmortgageguy Lazy uses polarizing language just like Butler use a strong language for his viewers. The poorers is not a question of money. It's a question of mentality. In mortgages we can see it with the people that refuse financial advice and take terrible loans with no plan. Poor mindset.

Centroamérica es un mercado de tamaño igual al q tenemos con Estados Unidos, por ello trabajar en conjunto sector público y sector privado es clave,más aún cuando actúa muy bien coordinado entre los 7 países a través del CCIE para apoyar la eliminación d obstáculos al comercio.

CCIE @CCIE_CA

a month ago

@CCIE_CA se reune con Ministros de Económica de CA #COMIECO @sg_sieca para abordar temas como: importancia de homologar normativa CA, seguimiento al CAUCA-RECAUCA, acciones para facilitar el comercio y la importancia de contar con un plan de contingencia regional @dfortinv

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Fake Income Documents For Mortgage Fraud: It Never Goes Away I have fought against this Mortgage Fraud problem for 10+ Years We had it Won in 2024 when the Government put Digital Income Verification into the Budget Then CRA drops the ball & Fraud remains in Mortgage World

This Wednesday, the Bank of Canada is likely to cut interest rates again, down by 0.25% to 4.25%. If you’re a homeowner or planning to buy, this could mean lower borrowing costs. Stay informed and on how it impacts you. How are you using it to make your equity work for you?

Why you are leaving money on the table when you skip your annual financial check-up. It’s not just your mortgage rate, it's money back in your pockets with: - Tax Efficiency - Cash flow opportunities - better rates and loan terms - Optimized investments - Personalized advice

Ontario's minimum wage is going up to $17.20/hr starting Oct 1, 2024! 🎉 For full-time workers, that's an extra $1,352 a year. Here's some ideas: - Save in an FHSA, RESP, TFSA - Buy that work tool - Go to the gym, actually Remember to make a plan and maximize your benefits

@estrada1fanny Que gran logro!🙏 El camino siempre es mas dificil para el que quiere hacer las cosas bien y con integridad. Con su capacidad técnica y conocimiento en general le hubiera ido más fácil como empresario. Por su amor a su país ahí sigue luchando para que Guatemala siga prosperando!

@adamchapman @TheTaxHeroes There are many options available like online savings, joint 2 tosign accounts, cashable GIC,etc... many elderly don't understand any of that. They want simplicity and independence. Many still use their paper bank book. They may be forgetful but not incapable of making decisions.

@adamchapman @TheTaxHeroes Can you explain what limitations or powers a PoA sets in place? PoA doesn't remove a person's ability to make their own decisions. Not letting a client bank wouldn't fly and calling the PoA for everything could be invasion of privacy. How would the teller know the full strategy?

The @bankofcanada maintains its rate at 5.00%. "The bank projects that inflation will stay at 3.5% until mid 2024, returning to target (of 2%) in 2025." BoC is still willing to consider increases if necessary. This means we may have these higher rates for a while longer.

Would-be home sellers are prioritizing renovations. Limited housing supply and stress of moving may prevent homeowners from selling but: - 73% plan to renovate their home interiors - 45% plan to repair or renovate the exterior - Only 6% plan to sell in the next 12 months

Is now a good time to buy property? YES now is the BEST time to buy! You just need a plan. Remember affordability means more than the mortgage. It means paying: -Property taxes $ -Utilities and maintenance $ -condo fees $ -home and personal insurance$ -your living expenses $

Interest rates will be the main driver for home prices in the next year vs immigration. The impact of 6.5% or higher rates, like reduced buying and forced selling is more impactful in the short term. Housing affordability from immigration is a long-term concern, think 5-10 years

As of Oct. 2st 2023 the min. wage in Ontario increases to $16.55/hrwhis is $1.05/hr or $2,200/ year. The LIVING WAGE in parts of ontario is $19/hr and in the GTA it's $23/hr! This means many min wage earners in the GTA are $12,577/yr short of a living wage to live in Toronto.

Why do you need CMHC insurance if you have less than 20% down payment? Its more about risk reduction for the lender than your ability to pay. You are less likely to walk away if you will lose your 20% down and the lender is still covered if the property values drop by 20%.

Why you need a mortgage broker: You want advice from people with experience but your dad's wisdom may not apply anymore. A mortgage broker will help you adapt tried-and-true advice from the past with new ways of doing things to better suit your needs. Rethink for success.

@TheTaxHeroes @fr0xk Positive and negative cashflow in the context of assets is literally calling them a positive or negative aka asset or liability, within context. It's perspective. High price is great for a seller but bad for a buyer it's the context of the scenario that matters

Olivia Chow is elected Toronto's mayor — "Toronto is a place of hope. A place of second chances. A city where an immigrant kid from St. James Town can be standing in front of you as your new mayor." According to the 2021 census, 46.6% of Toronto residents are immigrants.

We have increased our policy interest rate to 4.75%. Find out more: bit.ly/3quO6nI #economy #cdnecon