When is the right time to start investing in RRSP's?
NOW.
Make sure that you start the process immediately.
If you don't have time and you're looking to invest DO THIS ONE THING TODAY:
Send an email to your current advisor or an advisor that you would like to work with.
Tell them
1. I want to make an RRSP deposit.
2. I don't have time today but can you contact me on X date to make arrangements?
That's it. Be sure to start the process today.
I go over the March 2, 2020 deadline to make a contribution for your 2019 taxes.
I also talk about where to invest.
This podcast is 7 minutes long so be sure to subscribe on Google Play, Apple Podcast, Spotify and Stitcher. 
Of course you can always find us at tkdale.com/podcast
Email us if you have questions at [email protected]

As the new year is around the corner, I thought it would be helpful to talk about where I'm investing in 2020 and how I'm positioning my clients' portfolios.

I thought it would be helpful to give:

• Two examples of investments
• Economic rationale
• Examining individual stocks vs diversified investments
• Different markets and countries for opportunities around the world
• Where I see things going in 2020 and beyond

We are more than 10 years into the current bull market and there have definitely been some excess buildups that have been created as a result of the ultra low and unprecedented interest rates.

We have negative interest rates in some countries and in 2019 we even saw a negative interest rate mortgage being issued in Europe.

While there are risks out there, I also see some very positive places to invest.

Listen to this podcast and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.

To learn more go to tkdale.com

Trevor, my mortgage is renewing, can you help me out?
Sure, but most of the time I recommend that they renew with their current lender... only after going through the checklist and making sure that everything else is lined up.
Here's 8 minutes on mortgage renewals and your options.
Ask for your free consultation.
Don't forget to check out tkdale.com/podcast and subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.
Please also leave a rating, it means the world to me!

RRSP season is coming and YES, I'm earlier than everyone else. NOW is the time to start thinking about it. Actually all year long is.
In this 15 minute episode I talk about contingency planning and how it factors into your RRSP investments.
I also leave you with the single greatest factor in creating wealth.
Don't forget to check out tkdale.com and subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.
Please also leave a rating, it means the world to me!

Realtors are usually the front line when someone is downsizing after the death of a spouse.
Sometimes there can be an attachment to the house and it's a difficult situation.

Other times they don't need the space and believe that their only option is to rent.
For home owners over 55 years young with the desire to have home ownership there are options.

It may also come down to selling assets and investments because they can't access the capital in their house.

This is the solution for that.

A home pension aka reverse mortgage, which is a bit of a misnomer, is a way to access capital without having the burden of making payments but having the flexibility to do so if they wanted.

Are you selling a house for someone and they feel the only option is to rent?
Let's talk and see if we can help your client with the desire to own a home.

Visit tkdale.com for more information

#realestate #money #luxuryrealestate #beautifulhouse #mortgage #luxuryhomes

One of these days I'm going to sit back and relax.

I'm going to take a day off.

I'm going to buy a box of donuts and lay on the couch and watch Netflix all day.

Every time I feel that way I say tomorrow.

And when tomorrow comes I say tomorrow.

Tomorrow never becomes today.

There is something about doing your job as a minimum. It's another to doing it extremely well.

Then there's going above and beyond.

I would also say that continually improving your skillset and mindset is another facet.

I get up at 4:30am most days and start my workouts, meditation, journalling, writing notes to my loved ones and learning about business followed by a green smoothie.

Weekends included.

Today I'm talking about the daily business learning I did to earn my designation as a certified Luxury Home Mortgage Advisor.

I already work with high net worth individuals, even though they don't feel high net worth.

They often have household incomes of $200,000 +, have investments and live in upper tier homes and sometimes luxury homes.

My desire to serve my clients better and serve the new clients better is what drives me to continually improve my skills.

Check out my LinkedIn profile and tkdale.com

Part 4 of 4 in the Cash Flow Banking series. Part 1 builds on the concept of combining all your savings and paycheck and mortgage debt into one account. 
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This way when you are prepaying the "mortgage" every month a little bit and because of the daily interest accrual you are paying less overall and accelerating your debt repayment (run a scenario analysis to check to ensure this is the best option for you)
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Part 2 describes accelerating the process by creating an investment portfolio.
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Part 3 describes using rental properties to accelerate this cash flow with an interest only mortgage
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Part 4 talks about the different types of investments when it comes to stocks that could be used.
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-Check out the #podcast at:
http://tkdale.com/podcast and also on Apple Podcasts, Google Podcasts, Spotify and Stitcher
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#newmarketontario #auroraontario #rrsp #retireearly #retire #retirementplanning #retirement #financialadvisor
#luxuryhouse #luxuryhouses #homeoftheday #houseoftheday #modernhomes #millionairehomes #beautifulhouse #designbuild #housedesign #interiorlovers #houseandhome #housebeautiful #modernhome #luxuryrealestate #moderndesign #luxuryvilla #beautifulhome

This is part 3 of 4 in the Cash Flow banking series. In this podcast I talk about how Cash Flow Banking, combined with an investment and specifically a rental property can be further amplified by using this particular type of mortgage which I see very seldom used.
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It is all about cash flow maximization folks.
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-Check out the #podcast at:
http://tkdale.com/podcast and also on Apple Podcasts, Google Podcasts, Spotify and Stitcher
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#newmarketontario #auroraontario #rrsp #retireearly #retire #retirementplanning #retirement #financialadvisor
#luxuryhouse #luxuryhouses #homeoftheday #houseoftheday #modernhomes #millionairehomes #beautifulhouse #designbuild #housedesign #interiorlovers #houseandhome #housebeautiful #modernhome #luxuryrealestate #moderndesign #luxuryvilla #beautifulhome

This is part 2 of 4 in the cash flow banking series. The first part talked about Cash Flow Banking and how it can reduce the interest you pay.
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In this podcast I talk about how to implement create an investment portfolio that accelerates the repayment of the debt that you pay to which is not tax deductible.
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-Check out the #podcast at:
http://tkdale.com/podcast and also on Apple Podcasts, Google Podcasts, Spotify and Stitcher
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#newmarketontario #auroraontario #rrsp #retireearly #retire #retirementplanning #retirement #financialadvisor
#luxuryhouse #luxuryhouses #homeoftheday #houseoftheday #modernhomes #millionairehomes #beautifulhouse #designbuild #housedesign #interiorlovers #houseandhome #housebeautiful #modernhome #luxuryrealestate #moderndesign #luxuryvilla #beautifulhome

One of the little known tricks that #Canadians can use is this thing called cash flow banking.
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It is the simple concept of combining all of your debt and savings into one product so that you have a lower daily interest expense but also retain the ability to use those funds in the future.
- Take a traditional mortgage, turn it into a line of credit, put your pay and expenses through this account and save interest (run the scenario analysis first).
-The concept is because you are paying daily interest on this line of credit which has monthly prepayments whereas a traditional mortgage has a set payment schedule where the funds are not re-accessible. 
-This causes people to hoard in a sense where they are forced to get usually lower returns on their cash savings relative to their debt costs.
-Check out the #podcast at:
http://tkdale.com/podcast and also on Apple Podcasts, Google Podcasts, Spotify and Stitcher
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#newmarketontario #auroraontario #rrsp #retireearly #retire #retirementplanning #retirement #financialadvisor
#luxuryhouse #luxuryhouses #homeoftheday #houseoftheday #modernhomes #millionairehomes #beautifulhouse #designbuild #housedesign #interiorlovers #houseandhome #housebeautiful #modernhome #luxuryrealestate #moderndesign #luxuryvilla #beautifulhome