WHAT CAN 8 DO FOR YOU?

March 31, 2016 in Uncategorized by admin  |  No Comments

INVEST LIKE THE BANKS
WHAT CAN 8
DO FOR YOU?
• 8% per annum can help you get off the stock market roller-coaster!

• 8% per annum can give you and your retirement peace of mind!

• 8% per annum can give you access to an investment with collateralized real estate!

HAVE YOU ASKED YOURSELF THIS SIMPLE QUESTION?

– HOW DO THE BANKS CONSISTENTLY MAKE STEADY PROFITS ON THEIR PORTFOLIOS?

THE ANSWER IS SIMPLER THAN YOU CAN IMAGINE
Contact me
Syndicated Mortgage Investments are structured to give investors an 8% per annum interest plus a 4% per annum end of term bonus. We focus on niche sectors like Alzheimer’s and Dementia Care, Low to Mid-Rise residential buildings and Medical Arts Facilities.

Non-Volatile
If you are tired of investing in the stock market or not comfortable with the volatility, you should consider adding Syndicated Mortgage Investments to your portfolio.
Collateral
2
Syndicated Mortgage Investments are first mortgage investments secured by the underlying land and subordinated only to construction financing. All investors go on title against the underlying property.
Flexible
3
Investments are eligible for registered (RRSP, RESP, TFSA etc.) and non registered funds.
OR
IN ORDER TO GET THE 8% PA , ANOTHER AVENUE TO CHECK OUT AND CONSIDER IS SMALL AND MEDIUM SIZED BUSINESSES. HOWEVER, the best investments take a considerable amount of time and research. Most people sell their businesses through a realtor or a business broker. You may want to add to that list all professionals you may already be dealing with like your accountant, banker, lawyer, turn-around specialists, bankruptcy and trustees.
If you are an investor or business person looking for an exceptional rate of return you may wish to speak with business professionals who restructure companies and assist to bring companies into a profitable position. They usually have several types of businesses that come available with some rates of returns of 6- 18% depending on the type of business, real estate development or construction project. The type of business or investment would determine the type of security offered. Some construction and development projects offer rates of return in the 10-12% PA secured by first mortgage on the property. Some are paid out of trust funds. Some projects and businesses are RRSP and RESP eligible. The options are only limited by the experience of the professional you deal with.

When you have found a business that interests you and you believe it is an opportunity, ALWAYS TAKE IT TO YOUR ACCOUNTANT, LAWYER OR BUSINESS PROFESSIONAL FOR AN OPINION. THE FEE YOUR PROFESSIONAL WOULD CHARGE TO REVIEW THE OPPORTUNITY MAY BE THE BEST INVESTMENT YOU EVER MADE.
For further information on the many opportunities available or if you have a general business question please contact:

A & M PROFESSIONAL NETWORK

THINGS YOU SHOULD DO 3-5 YEARS BEFORE YOU RETIRE

March 17, 2016 in Uncategorized by admin  |  No Comments

THINGS YOU SHOULD DO 3 TO 5 YEARS BEFORE RETIRING

1. Fix up your house. Do all the renovations and repairs that need to be done while you still have your higher income. In the event repairs or renovations go higher than expected you can still adjust your retirement date to accommodate paying off those expenses before you retire.
2. Pay off your home. Paying off your home or downsizing to a smaller home is one of the most effective ways of reducing your monthly expenses when you enter retirement. Most people are carrying housing debt 60 -65% of their income which would be devastating if you took those costs into retirement.
3. Pay off your vehicle. Paying off your vehicle before retirement is beneficial. Reduction in auto expenses if the vehicle is not too old or in the recent past you have been plagued with repairs. You want to consider purchasing a newer vehicle a couple of years before retirement.
4. Pay off debt. You definitely don’t want to carry any credit card debt or any payment plans into retirement especially those that have a balloon payment. Many furniture companies offer one or two years with no payment but in the second or third year you have a balloon payment if you do not pay in full all the interest is charged back to day one and added to your debt.
5. Tighten your budget- calculate what will be your income when you retire and live on those limited funds for a period of time before you retire. The sooner you do this exercise the better as if you cannot live on it you have time to adjust your situation.
6. Do a financial plan that incorporates the benefits offered by various branches of government. This can be assistance on housing costs, medical , etc. Most community centres carry brochures on these benefits s for people over 60.
7. Draft the lifestyle you want to live when you enter retirement. This can be where do you want to live, how many vacations per year, activities you would like to explore, etc
8. Start to scale down. Selling or giving away items you no longer want or need.
9. The motto should be travel light.

HEARD THE WORD NO TOO MANY TIMES

July 23, 2012 in Blog by admin  |  Comments Off on HEARD THE WORD NO TOO MANY TIMES

Business loan mythsHEARD THE WORD NO TOO MANY TIMES

Been to the banks, heard the word NO too many times, your options are drying up and you feel lost.  Welcome to the club.  Being in business is tough and if you don’t stay two steps ahead of the economy, your competition, and the government then be prepared to give a kiss goodbye to your dream and all the sweat, tears and hard work you’ve already spent building up your business.  What are our options, where can we turn to for help?  It’s always good to have an independent accountant with whom you can make inquires. A lot of us just go to our bank to ask the how and why concerning our finances but remember that banks like any other business work for themselves.  There are some actions one can take to help alleviate some of the pressure we may face when times are tough.

Look outside the box, is there a facet of your company that may have hidden potential, something that you can promote to bring in extra sales.   One enterprising gentleman, whose mother knitted hand puppets, started advertising these puppets on his website and the orders started rolling in.  Who would have thought knitted hand puppets would be a good seller.

Take a chance.  We usually do our advertising in the newspapers, on local television, and in our community papers and these are all good advertising avenues.  However, why not give the internet a try or maybe set up a website promoting your store’s product. A company that makes hand crafted western boots built a website to promote their western footwear and they started receiving orders from around the world.

Cut back, or trim off the fat wherever possible but remember not to cut too deeply if you do cut too deeply and hit bone you may find it too difficult to recover.  Reduce where you can but be wise at what you’re cutting out.

As times get tougher and you see the reduction in profits maybe your suppliers are feeling the same losses in profits as you, is it possible to renegotiate you’re billing or pricing with them.  Remember they have a vested interest in keeping you in business; your increase in profits will increase their profits.

Can you diversify?  Is there something you can do to add a new revenue source to your business? I have seen a laundromat business install a mail box wall that housed about 30 mail boxes.  Not only did they rent out the mail boxes on a yearly bases they started selling envelopes, stamps, writing paper, pens and birthday cards.

Can you bargain?  A lot of us find this too stressful and just pay what the seller is asking and then feel cheated when we learn that someone did barter and got exactly what we did for half the price.  Who can we blame when this happens, only ourselves?  If stepping outside our comfort zone is what it takes to keep our business going then we must learn how to become more adaptable to that process. I have been told that once you get accustom to bartering it can actually be fun.

Come together with others in your industry.  You may find it to be a good learning tool to gain insight into how your competition is fairing.  Are they experiencing the same downturn as you are?  Have they been where you are now and if so how did they regain their footing?  You may be surprised to learn that they need your support as much as you need theirs.