Increase your productivity with GOOGLE

Hi Everyone.

GOOGLE has helped me increase my productivity tremendously. I use Google Apps and iGoogle and I work at 70 x the speed of life (internet 7 times faster than life, I have 10 windows open at once).

Here is a quick Video – 50 seconds of your life you will regain 10000 x fold.

http://www.youtube.com/watch?v=Pbf0dlESX8E 

The Gadgets I use are: Outlook, Gmail, Calendar, WordPress, Facebook, Twitter, Globe and Mail, Documents, Talk and Hotmail.

Enjoy!

 

edit: I use Linked In and Google Notebook as well – so make that 84 x the speed of life!

John Walsh on Refinancing…

I just stepped through the process with a client of mine and thought I would share the details with you.

Do you or anyone you know have a current interest rate of 5.5% or higher on their mortgage? Would you or your client be interested in saving almost $10,000 over the next 5 years? No joke. No gimmick.

Let’s look at a case study.

I have a client with that’s 1.5 years into his 5 year term. He has a 40 year amortization.
His breakout fee is $2600 (standard breakout fee is 3 months interest).
His cost savings going from 5.79% to a 3 year fixed at 4% is $200/mo!
In a year that’s a savings of $2400. At the end of his 3 year term, that will put him ahead by almost $4800. Two more years at this rate and he’s at $9600.

On top of this, he has opted for a bi-weekly accelerated payment (26 payments a year), which further reduces his amortization from 40 years down to 26 years & 8 months at the end of 3 years. That’s 13+ years savings of not paying interest. Do the math that’s $135,000 of savings in interest over the life of his mortgage! This is why I argue that TERMS are more important than rate ever will be.

 

Warmest regards

John R. Walsh, B.Eng
Mortgage Agent with Mortgage Alliance
Licence Number: M08000603
Founder of O.R.E.I.O.

613-237-7044 x148
888-474-0137 (toll free fax)

jwalsh@mortgagealliance.com
jr2walsh@gmail.com
http://ForAllYourMortgageNeeds.com

You need to Realize…

I just helped someone purchase a fully updated condo (Hardwood, forces air furnace, new ceramic and kitchen and many more) in a desirable part of town. Get this – the mortgage is under $700 a month!  -$660 I think it was! You know how much the rental rates in this area go for a unit like this? About $1200!!! Sound to good to be true? Well… it ALMOST is.. Condo fees are $210 a month – so about $870 a month cost, $1200 a month revenue.

Its a THREE BEDROOM, TWO BATHROOM – FULLY updated.  And I dont mean a ‘lipstick’ update – I mean organ transplant update. This new owner can afford to be picky with her tenants because the quality of the unit commands a quality tenant. There is $ value to the pride someone will pay to move into this kind of quality.

RATES ARE AT HISTORICAL LOWS. Find me on Facebook and accept my invitation to the Bank of Canada’s rate announcement on March 3rd, and I will email you the newest low rates and give you a QUICK example of what a mortgage payment would be on a unit. I guarantee you wont believe it.

Contact me and to find out how you can OWN something GREAT for LESS than what RENT is!  You can upgrade your life or even stay where you are, and rent this out for CASH every month! Sign a one year lease and guarantee yourself positive cash flow for a year!

I know you’ve heard about people doing it, well you need to BECOME ONE OF THOSE PEOPLE!

Ask me how I CAN MAKE IT HAPPEN FOR YOU.

mevans@partnersadvantage.ca 

P.S. Know anyone that needs to rent a beautiful 3 bedroom unit for $1200 a month? I hear thats what people are paying for this kind of unit in this part of town. Too bad for them – but some people dont listen to good advice when they hear it.

My Fiancé’s Real Estate Experience

Here is a quick example of my fiancé’s Real Estate experience in buying her first condo.

She went to a lender to get pre-approved. The lender evaluated her current debt obligations, cash flow and savings and gave her a maximum mortgage amount and rate that she would be guaranteed for 90 days.

With that, I looked at desireable areas and housing that fit her affordable range.

We went and saw a few units, and chose one.

We submitted a CONDITIONAL offer, that was conditional upon us getting financing (even though we know we had it), an Inspection of the property (to make sure it is in good working order), on obtaining insurance (to make sure we are protected), and on our approval of the status certificate of the condo corporation (legal standing of corporation).

We went back and forth twice about the price (negotiations).

We had a DEAL!! – gving us a week or two to have our conditions waived or fulfilled.

We got the financing , we got a satisfactory inspection, we got insurance  and we were satisfied with the status certificate.

 We fulfilled all conditions!  The deal is now UNCONDITIONAL and we are ready to move in on Friday the 27th of February!

As you can see – the process of getting pre-approved is crucial – it gives us our working range. The conditions are put in place to protect the buyer and make sure they are in a strong position upon taking possession. The price was negotiated to an acceptable amount (we got it for a few thousand under what we think it was worth!!) The dates were all coordinated and facilitated by me.

I got the financing arranged (suggested lenders and helped her organize and communicate), I organized, attended and explained the inspection , explained the status certificate, and I arranged all the phone numbers and details for a great insurance rate!

Now she has a FREEHOLD condominium (completely separate and un-attached like a regular house), with a fully enclosed and BIG backyard, 3 bedrooms, a basement, ready to move in for less than an average one bedroom would cost to rent in most parts of town.

See how the process works? See the Value of a REALTOR?

Quick Update

Hi Everyone,

I received a quick update on the mortgage market from John Walsh – Mortgage Agent with Mortgage Alliance and Founder of www.oreio.org , here goes:

“Rates have started to fall in anticipation of yet another rate drop from the Bank of Canada. The market expectation is 25 to 50 Bps. So far the rate drop from the lenders has been close to 25 bps across the board. If the Bank of Canada does drop by 50 Bps, expect a further 25 Bps reduction next week in all the rates. In terms of 5 year money, expect things to fall just below 4%.
I don’t know how else to say this folks. Money today is dirt cheap. It wont last forever.

For some perspective, the last rate drop in January set the all time record low for the Bank of Canada. This only goes back ti 1956 as that’s when the Bank of Canada started making this a floating rate. We are living in historic times.”

John R. Walsh, B.Eng
Mortgage Agent with Mortgage Alliance
Licence Number: M08000603
Founder of O.R.E.I.O.

613-237-7044 x148
888-474-0137 (toll free fax)

jwalsh@mortgagealliance.com
jr2walsh@gmail.com
http://ForAllYourMortgageNeeds.com

bullmarket

(Part of) A Realtor’s Value

A problem I have noticed in many circles of life, is trust – and a lack thereof. The speed of life is so fast these days, that TRUST becomes a key element to getting things done. THAT my friends, is what a Realtor does – they GET THINGS DONE, atleast that is what this one does.

Example: I have three midterms this week and a project to be finalized by Saturday. I have a slew of meetings to attend, clients to keep tabs on and help progress through their own endeavours, not to mention my development projects that are a constant cry for attention. To make things worse, one of the most incredible women I have ever known, a true inspiration on how to love, live and laugh, my grandmother Maxine Evans, passed away yesterday.

I am left working all hours of the night and morning and somehow enjoying it tremendously. I am spending all of my time doing what I love, and REALLY HELPING people move forward with their lives. Not even two hours ago I received a call from a client telling me that a cheque had bounced and their deal was in jeopardy. What did I do? I got in my car, drove across the city to get a bank draft drawn up a Bank, then personally delivered it to the other brokerage and shook their hand saying “Now it is resolved! Congratulations!” On my way out of the parking lot, I get a call from the client who is now in shock because they have concerns about the status certificate of their purchase. What do I do? I drive over to THEIR place of work, park outside, run up to the building and look at it with them, address their concerns, explain the situation, and boom – GREEN LIGHT.

When you are stuck at work, fumbling through legal documentations, under pressure from your boss, your family and the others in the deal, trying to organize and coordinate your lenders and the required paperwork, schedule inspections to a time that works for you and fits your busy life, MAYBE THEN you will realize that you NEED someone on YOUR SIDE that will work FOR YOU and that you can TRUST.

I am one of those people. I am a REALTOR.

evansmarc

Look Within For Value; Look Beyond For Perspective

prometheus

 

Greek mythology is a wonderful collection of traditional stories that have a tremendous importance to Greek society. One of these types of myth is divine myth, whose main characters are divine beings involved in a plot which often parallels theoretical science in that it attempts to explain aspects of the natural and social environment. Interestingly enough, these myths are often transmitted orally, which inevitably leads to a great deal of evolution of the myth itself, and therefore allowing for differing perspectives of the same tales.  An excellent example of a divine myth which has changed both shape and significance over time is that of Prometheus as illustrated by first Hesiod in Theogony, and then Aeschylus in Prometheus Bound. In these plays that were created over three centuries apart, the character Prometheus evolved from a typical trickster who is to blame for humanity’s hardships, to a celebrated divinity responsible for bestowing great benefits upon mankind.

 

In Theogony, Hesiod describes a meeting between Prometheus and Zeus where Prometheus attempts to play a trick on Zeus. He presented Zeus with two gifts; one of ox meat inside the ox stomach ( edible food encased in undesirable wrapping) and the second being ox bones enveloped in ox fat (non-edible parts packaged in savoury and delicious wrapping). “Zeus, most glorious and greatest of the eternal gods, take which ever of these portions your heart within you bids” Prometheus exclaimed.

 

“But Zeus, whose wisdom is everlasting, saw and failed not to perceive the trick, and in his heart he thought mischief against mortal men which also was to be fulfilled. With both hands he took up the white fat and was angry at heart, and wrath came to his spirit when he saw the white ox-bones craftily tricked out”(Theogony, 548-558).

 

What Zeus proceeded to do next was punish mankind by taking fire from them. Prometheus, not to be outdone, pleaded with Athena for re-entry to Olympus, where he proceeded to steal the celestial fire and smuggle it in a giant fennel-stalk and bring it back to earth for mankind. This is where Hesiod’s version of Prometheus and his actions start to take an identity of its own. Hesiod describes Zeus as a wise and noble god, who is a victim of Prometheus’s trickery and theft. An example is:  “So spake Zeus in anger, whose wisdom is everlasting…” (561), and “But the noble son of Iapetus outwitted him and stole …” (565) and also as seen in Hesiod’s Works and Days , “Prometheus the crafty deceived him”(42-53). The price Zeus made mankind pay for these actions was to have Hephaestus and Athena create Pandora, and “contrived within her lies and crafty words and a deceitful nature” (69-82). He gave her a jar full of ills, hard toil and heavy sickness that would soon be unleashed upon man. Zeus sent Pandora down to Epimetheus, who of course accepted her and quickly enough Pandora opened the jar and scattered all the ailments upon mankind. Hesiod not only depicts Prometheus in a negative light, and Zeus in a positive one, but he clearly attributes Prometheus’s actions as the cause of all of mans hardships and illness through Pandora’s arrival as punishment for his behaviour.

 

Aeschylus chose to take a much different perspective of Prometheus in his play entitled Prometheus Bound. Before the theft of fire had even occurred, it is understood that not only was Prometheus instrumental in Zeus’s victory in the Titanomachy, he is also responsible for saving the human race from destruction at the hands of Zeus. In regards to the Titanomachy, Prometheus explains how his effort was not recognized:  “Which things by me set forth at large, they scorned, Nor graced my motion with the least regard”. Furthermore, in regards to saving mankind:

 

“Rather it was his wish to wipe out man and rear another race: And these designs none contravened but me. I risked the bord attempt, and saved mankind from stark destruction and the road to hell.”

 

Prometheus then explains how he is the victim of Zeus’s wrath,

 

“But, for compassion shown to man, such fate I no wise earned; rather in wrath’s despite am I to be reformed, and made a show of infamy to Zeus.”

 

In this play, the perspective has shifted to that of betrayal on the part of Zeus, who is now depicted as vengeful, and irrational.  Another main difference between the two pieces is that in Prometheus Bound, there is no mention whatsoever of Pandora, or of the sacrifice of ox parts that was so famous for Prometheus’s labelling as a trickster. These are very significant events that have been omitted, and completely change the perspective of protagonist and antagonist throughout the myth. Finally, Prometheus Bound illustrates that Prometheus is privy to some very critical information that was provided to him from his mother (who is now said to be none other than Gaea). Here Prometheus is made aware of the name of the woman that would be Zeus’s future wife and give birth to a child that would eventually overthrow him. This difference gives a significant complement to Prometheus’s involvement in Zeus’ early victory, in that now he is has control over his potential downfall as well.

 

It is indeed a very interesting characteristic of myth to be able to take such a different perspective over time, as it so clearly does in this case. In Hesiod’s Theogony, the tale of Prometheus is one where he is a sneaky trickster, a thief, and clearly the cause of all of the evils cursed upon mankind. He is depicted as the antagonist not only to Zeus but also to the entire human race. Some three hundred years later in Aeschylus’s Prometheus Bound, this relationship is reversed. Here, Prometheus is depicted as a hero in a sense that he sacrificed his freedom for the benefit of mankind, and he is betrayed by a cruel tyrant in Zeus, despite being one of the people that helped him arrive and stay in power. Staying true to the nature of divine myth, both accounts are parallels of the time’s theoretical science as played out by divine beings; however in this case, the dynamic of the myth has evolved over time and has exposed two differing and yet complementary perspectives. The study of Greek Myth is beyond doubt an adventure in itself!

 

Dont Take my Word for it Pt.II – RRSP’s VS Real Estate

Who wins?

 

RRSP’s come out of your pocket and into an account that are expected to increase dramatically in value over time and in the end cover you in your golden years – is that about right? Portfolio mix and management will all come in to play here as well.

 

Real Estate investments make money in THREE ways. 1) Increase in Value over time, 2) Decrease in Principle over time (and inherent increase in Equity, and 3) Positive Cash Flows from rental income in excess of total operating costs.

 

Since there are so many variables to look at, let’s take a simple approach and look at straight VALUE increase over time.

 

Lets look at real results.

 

Heck, lets make it interesting and look at MY results!

 

Here is a recent statement of my RRSP performance:

 

rrsp

 

Yes, that says NEGATIVE 27.02 percent!      Look familiar?

 

Look at the Annualized Return since Jan 16th 2004! NEGATIVE 5.54%

 

 

Here is a recent tax statement of the objective increase in value of one of my properties:

 

04-02-2009-055117pm

( the tax assessment was actually a large document, so Im only showing the relevant section).

 

Look familiar? If you own Real Estate I bet it does.

 

See the difference?

 

Now take into account the rental income resulting in positive cash flows, the decrease in principle over time (about 5% value per year), and not to mention the actual improvements to the property which have increased its value dramatically.

 

One takes my money, and doesn’t really perform too well ( my numbers are pretty average for this current economy), and the other is much more stable, passive and GENERATES cash (again – average for even this economy).

 

Hmmm….

Business Cards as Tickets to your BLOG

Hi Everyone,

 

So you have been coming to read my blog for a little while now, and I am hoping that you have all learned something, if only something about me. Just a few hours ago I was setting up my new business cards, and I entered my BLOG url on there and just that alone generated a response! Not only are many people not taking care of their potential blog business, but those that have been are not necessarily promoting their blog enough!

 

Attaching your blog url to your business card is a great way to get people to check you out. When you hand out a business card at a meeting, interview, run-in on the street or to a new business contact, if the blog url is there, you have instantly provided them access to a more personal, in-depth look at who you are and what you are about. This can be very beneficial when a cover letter, elevator pitch, or pass-by are not enough to get the true message across.

 

Even before I had any good reason to have a business card, I had a personal one made that had my name, cell, interests (real estate development at the time) and my email. Now whenever I would have an interesting conversation with someone about Real Estate, I could pull out my card and give them an easy way to remember me. If only I knew about blogging then!

 

Dont wait – get yourself out there!

 

What do you take a special interest in? Hockey? Shopping? Carpentry? Reading romance novels 🙂 ?

 Start Blogging!

 

evans-marc