Mindblown: a blog about philosophy.
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Planning for Tax Efficiency
Canada's progressive tax system means higher earners face increased tax rates. To manage this burden, consider using life insurance to cover estate taxes and explore insurance-based investment strategies for tax-free retirement income. Family income splitting can also help, through methods like family trusts and spousal loans. Maximize contributions to RRSPs and utilize tax-free savings accounts.…
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What 2025 Toronto Property Lessons I Take Into 2026 | Watch Today’s Real Estate Updates & Tips
Slide 1: Affordability relief (lower interest) triggered sales uptick before price rebound—be ready to act early in recovery. Slide 2: Sales‑to‑new‑listings ratio below 40 % means buyer’s market—more negotiating power in 2026. Slide 3: For 2026: go deep on micro‑markets, align with long‑term trends, avoid generic boom‑chasing. Slide 4: Location quality, transit access and neighbourhood fundamentals…
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Smart Strategies For Canadians – Building Wealth Without Breaking The Bank
Canadians can improve their financial future by adopting strategies like creating a detailed budget, diversifying investments, and using tax-efficient accounts such as RRSPs and TFSAs. Financial literacy is crucial for informed decisions on saving, investing, and debt management. Effective saving strategies include maintaining an emergency fund and using high-interest savings accounts. Leveraging government programs can…
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All the different ways to access equity in your home
Buying a home is a long-term investment that builds equity over time, which can be accessed through various options. Homeowners can utilize a second mortgage, such as a home equity line of credit (HELOC) or a home equity loan, to tap into their equity. A reverse mortgage is available for seniors, allowing them to borrow…
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Softer Sales, Smarter Buying: GTA Condo Insights | Watch Today’s Real Estate Updates & Tips
Condo sales across the Greater Toronto Area ↓ 7% yearly in October, mirroring the slowdown seen in the low-rise segment. New condo listings ↓ 3%, but active listings ↑ 10%, showing that units are spending longer on the market. The Months of Inventory for condos ↑ to 5.9, indicating a market that is balanced but…
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York Region in Q4: Mild Cooling, Buyer-Friendly Market | Watch Today’s Real Estate Updates & Tips
York Sales Houses: 826, ↓ 8% yearly Condos: 225, ↓ 15% yearly Average Price Houses: ~$1.39M, ↓ 6% yearly Condos: ~$670K, ↓ 7% yearly New Listings Houses: 2,259, ↑ 10% yearly Condos: 767, ↑ 1% yearly Months of Inventory Houses: 5.3, ↑ yearly from 3.9 Condos: 7.0, ↑ yearly from 5.1 York’s market is in…
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Toronto Buyers Spark Fall Market Comeback | Watch Today’s Real Estate Updates & Tips
Toronto leads GTA with rising bidding wars in fall 2025 housing market. Seventeen Toronto neighbourhoods saw multiple-offer situations as buyer competition returned. Lower-priced homes drove renewed demand amid Bank of Canada’s recent rate cut. East and west ends, including Danforth and Riverdale, saw strongest overbidding activity. High-end midtown areas continued underbidding, showing wealthier markets remain…
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Maximizing Your Home Equity: Best Strategies and Tips
Home equity is a valuable asset for homeowners, representing the difference between a property's market value and the mortgage balance. It can be leveraged for various financial purposes, such as home renovations, debt consolidation, education expenses, emergency funds, and investment opportunities. Home equity loans and equity-based mortgages allow homeowners to borrow against their equity, but…
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Forecast: GTA Condo Market Risks Future Imbalance | Watch Today’s Real Estate Updates & Tips
New condo supply could drop significantly as few pre-construction starts are recorded from 2023 to 2025.Condo project completions in GTA may fall sharply starting in 2027 due to current construction slowdown.
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In Memory of Our Heroes | Watch Today’s Real Estate Updates & Tips
The “eleventh hour of the eleventh day of the eleventh month" of 1918 that signaled the end of World War I. On this day we honour those who have sacrificed so much to keep our flag flying high. Remembrance Day Salute to all heroes, and thank you for your service.
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