Stock markets began the year on a strong note, in spite of the political situation in the US
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Thursday, February 07, 2013
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In this blog post, I wanted to highlight a video that we recently posted on our website.
Our new video, in my opinion, helps to clearly articulate the issues people face during their retirement income years and how we at Rogers Group Financial
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Friday, November 02, 2012
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I read an interesting research report on multi-family real estate ownership in Canada that compares condominium ownership for rental purposes to owning apartment REITs. A Real Estate Income Trust (REIT) is a company that owns, and in most cases, operates income-producing real estate. Many REITs trade on stock markets around the world and own various types of commercial, residential and industrial real estate.
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Since 2008, I have re-structured my client's portfolios to be more income-oriented, rather than just relying on capital growth. By using income-oriented investments such as preferred shares and Real Estate Income Trusts (REITs), we are generating a steady cash-flow for clients which is being used to fund their retirement or to mitigate the ups and downs in the market by strategically re-allocating the cash created by dividends, as market conditions dictate. I often say to clients that income investing is "being paid to wait". Dividends compensate us while we wait for capital growth.
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Tuesday, October 16, 2012
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On June 21st, the Federal Finance Minister announce further changes to Canada's mortgage insurance rules. Here are the four changes just announced:
1. Maximum amortization reduced to 25 years from 30 years. 2. Refinancing limited to 80% of the value of one's home. 3. Gross Debt Service Ratio (GDS) and Total Debt Service Ratio (TDS) reduced to 39% and 44% respectively. 4. Properties purchased at over $1,000,000 are no longer eligible for mortgage insurance. As well as the above rule changes,
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What's happening in Europe? While we all have been bombarded with the economic story in Europe, along with all sorts of theories and commentary on what's happening and what needs to be done, here is a survey I saw recently that looks beyond the fiscal problems in the EU, to some social disconnects among average citizens, within its member states.
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Welcome to my blog! My goal is to provide you with insights and a brief commentary on financial planning related topics, the goings-on in the stock and bond markets and the Canadian and global economies, but thats not all!
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