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February 21, 2017 in Uncategorized by admin  |  No Comments

Did you know that you have the potential to do and be anything you want? People have different perceptions of the ideal life, and it ranges from obtaining financial freedom to as simple as owning a new pair of sneakers. Unfortunately, many fail to reach their aspirations because they can’t get a solid, clear picture in their mind of what they want.

Take the next few days and embark on a fact-finding journey that will be a life-changing experience. Get a pad and pencil and start with this first step:

STEP 1 – KNOW EXACTLY WHAT YOU WANT – Be specific in your passions, then focus all your efforts on that particular desire.

Those who always change their minds and those who give up easily when the going gets tough will never get anywhere. If you’re a bit confused and aren’t sure what you really want in life answer these questions:
1. What makes your heart beat with excitement?
2. What makes you happy?
3. What are you constantly thinking of day and night?
4. What do you want to do with the rest of your life?
5. What do you enjoy doing?
6. What are your obsessions?
7. What things make you jump for joy?

Write down all your possible answers to the above questions. Write down everything, no matter how silly or unimportant it seems. Put all your desires on paper that answers any of the above questions.

When that’s done, go back and circle five to seven items that interest you the most. Then evaluate and choose with your heart, not your mind, the one and only thing worthy to spend all your time and resources on and that brings out the best in you.

Now you may wind up with something like, “I want to play quarterback for the RAMS.” If you’re over 20 I’d say that isn’t too viable a choice, but you could do something related to football or sports. How about starting a sports publication? Or perhaps a sporting goods retail business, sports memorabilia business, or even a gym could be the answer. You can always read books and surf the net to help you in your search.

The most important thing to remember, no matter how “pie in the sky” it seems, is to USE YOUR HEART. Others may disagree with you, but you should be firm with what you really want. Others may offer comments or advice, but the final decision is always yours to make. You should concentrate on what you want, not what others want.

Remember you only get one shot at living your life. There are no replays and you don’t get to do it over. You may not do it right, but at least you’re doing it. Too many lives have been lived in quiet desperation waiting until – until they had saved a nest egg, until the children are out of school, until I retire, and they depart this life before “until” ever arrives.

Don’t go to sleep tonight without making a decision on WHAT YOU REALLY WANT IN LIFE MORE THAN ANYTHING ELSE.
Then spend a few days evaluating how to make it possible and make a living at it. Begin living every day as if it were the last day you had – never leaving anything to be done next week, next month, or next year.

There will always be bills, things will always break down eventually and need replacing, there may be storms and earthquakes and repairs – but there will only be one life for you to live. It can’t be put on “hold”!

The final outcome of your efforts may be in the future, but you’re living each day by taking steps toward that outcome.

The Cost of Credit Cards

February 13, 2017 in Uncategorized by admin  |  No Comments

Although some choose to rush into getting a credit card, they normally do so without being aware of the costs. A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply. In most cases, these fees and charges won’t get noticed by the user until it is too late.

Credit card holders who aren’t aware of any hidden costs could easily end up paying possibly thousands of dollars at the end of the year – and not even realize it. If you have a reward credit card, your rewards could easily be destroyed by these hidden costs. Although some credit card users may realize it, there are many out there who aren’t aware of these costs at all.

The first factor for hidden costs is found in the grace period. The grace period is the extra time you have to pay your bill without having extra fees added to your bill. Even though this can be great for paying your bill, it can quickly lead to a pitfall if you let it. To avoid any type of costs or hidden fees, you should pay your bill as soon as it arrives. This way, you won’t have to worry about your grace period or the interest that can accrue from letting your bill get later and later.

The late fee is another factor with credit cards that is often overlooked by credit card users. Late fees are common with credit cards, although their potential for costs is often overlooked. Some people choose to pay it and be done with it, unaware of the fact that these costs can indeed add up in no time at all. To be on the safe side, you should always know what the late charges are and how fast they can add up.

The easiest way to avoid any type of hidden fees or costs is to pay your bill on time – as soon as you receive your bill. You should also pay more than the minimum, as this helps to pay your bill off faster and ensure that you pay the bill and not just the interest. Paying your bill late is never a good thing, as it can easily destroy your credit report. If you continue to make late payments, your company or bank can increase your interest rates.

No matter what you do, you should always pay your credit card bill on time. Hidden fees and costs are out there – it’s up to you to avoid them. Credit card companies and banks won’t tell you what the hidden fees are, unless you ask them. To protect yourself and your credit – you should always be aware of the costs – and how to prevent them from happening to you.


February 5, 2017 in Uncategorized by admin  |  No Comments

Student Loan Consolidation

Student loan consolidation is a way to slim down your monthly financial burden.

Going to college is very important. Even once married couples still continue to go to college. This is because you have better future if you are able to finish college and this is true of most other countries.
To help you with this important factor in your life, student loans are available to help finance you go through college. However, students can end up knee-deep in student loan debt..If you are one of these students, you need not despair; you may shop around to find the best student loan consolidation entities to help you in the process of getting out of debt.

Student loan consolidations can help reduce your monthly payment of up to 50%.You cannot find any better deal than that.

Reducing your monthly payment will mean that you can have some spare money for other purposes. Student loan consolidation will help you have some money to meet other expenses like car payments, household needs, and childcare.

Additionally, because of the student loan consolidation program, your credit rating will improve and you can even extend your paying period from the usual ten years to as long as thirty years. You may also find a student loan consolidation company that will give an additional discount on the interest rate on top of the savings from the consolidation. This will also lessen your monthly financial burden.

If your student loan is under the federal direct student loans, you may qualify for the best federal direct loan consolidation program. In this program, in addition to the 50% or more reduction in your monthly payments, there is a lock in lower interest rate available for you. This lock in lower interest rate will shield you against inflation rates. This will mean that you will not have to worry about additional charges due to the inflation rate fluctuations.

To top it all off, the student loan consolidation deal under the federal direct program is easy to apply, and there are no fees, credit checks, application fees, or additional charges.

If you are not sure if your student loans are under the federal direct student loans program, you may check out the Internet. Match your student loans listed to see if they will qualify for the student loan consolidation program.

You can also find on the Internet additional information that you can use to help you get out of that knee-deep debt.


March 31, 2016 in Uncategorized by admin  |  No Comments

• 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!



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.

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.
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.
Investments are eligible for registered (RRSP, RESP, TFSA etc.) and non registered funds.
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.

For further information on the many opportunities available or if you have a general business question please contact:



March 17, 2016 in Uncategorized by admin  |  No Comments


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.


July 23, 2012 in Blog by admin  |  Comments Off on HEARD 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.