Real Estate is a leveraged investment – most people don’t pay 100% cash – they use mortgage financing to “Leverage” (enhance the power of) their actual cash (say 10-35%) to control 100% of the property. For this example let’s use 25%, Jean & Carol Canuck put $125K down payment on a $500,000 suburban home. They…

This post follows up on the idea of after-tax returns on your home (and your real estate investments, albeit as a Capital-gain {about 50% taxable} vs Tax-exempt {0.0% taxable}) This time we look at appreciation of Property Prices, AFTER CPI inflation, in terms of cash-on-cash return. This graphic shows the Average Annual Toronto Real Estate…

prompted by: Should Toronto have its own sales tax? City manager says it’s time to consider it Uncle Bob says: What Toronto “needs” (as do All Big Cdn Cities) is a healthy slice of the Income Tax that their citizens contribute to the My-Big-Fat Crown-Associations that (are s’posta) run things (ie Queen’s Park and Ottawa) Consider,…

Prompted by a request to furnish information about the future of Toronto real estate… Dear Madame, I’m going to assume your buyer is an analytical, who knows what she knows and seeks advice in areas where she’s not expert – and then verifies that advice. I’m attaching a chart that shows CPI-adjusted Toronto realty prices…

Executive Summary Ms Pigg is aiding and abetting persons who want to violate the rules, regulations etc they voluntarily signed to become part of the Realtor(tm) community, TorStar is assisting those registrants who are seeking to violate of the “trust” that our community has established with owners of properties offered for the sale and the…