Scripts & Dialogues - Invest

Invest

• we won't rent a unit out unless we can picture living there
• a tenant will make or break your landlord experience
• we are an under populated country with an amazing infrastructure
• 60% of net worth in Canada is made buying and holding Residential Real Estate
• markets sometimes crash and in the history of our North American world they have always recovered with a vengeance
• sell high only to buy low
• only 2 people can have your money. You or somebody else
• you won't win at monopoly without putting your money to work
• the cost to acquire Real Estate usually rises much faster than the value of the dollar
• we will help you make better investment decisions
• do your due diligence or somebody else will be very happy
• rents in Toronto are averaging $4 psf (December 2019)
• It is the nature of Real Estate markets to go way down from time to time. There is no system to avoid bad markets you can't do it unless you try to time the market which is not an intelligent thing to do. Conservative investing with steady savings without expecting miracles is the way to go
• It’s not about finding the perfect time to invest it’s about how long you are able to invest for
• Our cities are frequently listed amongst the best places to live and work in the world and compared to their peer cities abroad they are not amongst the most expensive
• Canada’s immigration plans brilliantly allow us to grow
• you cannot save at the same pace the market appreciates
• Real Estate is an escalator to wealth
• a pro forma is the present value of future potential
• one of the golden rules to building wealth is investing. You cannot build wealth by just simply saving as inflation is usually higher than the return in your savings account
• Cash flow mortgage pay down natural appreciation and forced appreciation is how we earn linear profits in Real Estate
• a weighted average on the assembled evaluation
• discount the value by the weighted average
• i am aware of the intrinsic value
• it is important to insulate that in to the cost
• make less money flipping more often
• these are outcome based scenarios
• one of the functions of the evaluation is based on outcomes
• you lose a little bit of the genuine approach to asymmetric loss when you do not have the benefit of time on your side
• there is also an energetic evaluation component to that idea
• implant the identification factors in to the impact of the variables of your decision
• there are so many variables to this
• the symmetric consequence of the decision has to be different
• asymmetric loss valuation is hindered by the lack of choice
• does the forecast-ed evaluation improve or diminish in an impactful way your life
• asymmetric loss valuation is about how will this investment improve my life financially or how will my life be adversely impacted if it does not improve
• Buy and wait. Don't wait and buy.
• reduce risk without reducing return
• investing is an exchange of a lump sum payment for a future cash flow
• hedge against the risk
• there is a difference between profitability and cash
• The economic fundamentals of any economy resolve around Real Estate
• Real Estate helps people to elevate their standard of living and is an amazing way to accumulate wealth
• Even if you are fixing and flipping you have to have a game plan to fix and rent
• If you bought this home what would your renovation budget be
• there are cycles to history that can allow you to see in to the future and make predictions for likely outcomes
• that is a speculative volatile risky play
• bubbles are caused by the expansion of credit
• inflation is an expansion of the currency supply and if you expand the currency supply prices will rise
• Real Estate is an appreciation business
• population growth employment and affordability
• you are in the anticipation business
• Realtors advertise price but people buy on terms
• most people buy Real Estate based on monthly payment
• central banks can create money at will while commercial banks need loans to create money
• a treasury is a claim on future taxation
• prices are not going down at the moment because inventory is not going up
• rental income mortgage reduction and appreciation are the 3 streams of income in any Real Estate investment
• linear income leveraged income and residual income
• get in the way of upcoming major municipal areas
• look for transportation routes to major municipal areas
• invest in areas where infrastructure economic development and planning are in progress
• project low in order to out perform what you are projecting and put the expenses in high so that you don't have any surprises
• investing in Real Estate could change everything for you relatively quickly but it will not happen overnight
• asset appreciation over time should be considered a bonus not a primary way of making money
• we set the economic life at 25 years from the date of the completion of the rehab
• the #1 investment strategy should always be preservation of capital followed by growth and cash flow
• the fewer the people that can afford it the quicker the prices can implode
• the higher the price the narrower the base of ownership
• hyper inflationary depression is where what you own is going down and what you buy is going up
• expansion of bank credit props up asset prices and contraction works in reverse
• the housing market is historically resilient with strong underlining fundamentals
• the data indicates that there is not a complete abandonment of the process
• the appraisal will be very conservative and the rate will be very aggressive
• you have rights to the cash flow in perpetuity
• Canada was seeing 300,000 immigrants per year with approximately 46% of those immigrating to Ontario and of these 75% came prepared to purchase a house with employment and downpayment resources available
• when you hit the 50% marker in savings you 
• wealth is created in debt
• the biggest money myth is that financial wealth is measured by the amount of money one has accumulated when in actuality a much better way of measurement would be the number of years of financial freedom that has been accumulated
• we can do unlimited properties. We just have to match you up with the right lender
• are you being savvy or stubborn
• our economy is the bedrock of how we protect our future
• you'll never offer more or less for your shares than you'd be willing to accept
• debt is tax free money
• price and value are not synonymous
• The risk is you could lose all your money but not more than that
• you don't buy stocks to earn money. You buy to invest in a Company that you believe in
• The biggest transfer of wealth in the history of the world is happening now
• Do you feel fully committed to working with them through the home buying process
• Real Estate is cyclical so values may rise and fall but the risk involved will never be as steep or as  serious as in where the value of your portfolio can drop 30% overnight and some if your stocks can fall to zero. You also can’t live in your stock or rent it out and have somebody else pay you to live there.
• 5759 Sales - February 2013
• 6809 Sales - February 2012 
• The share of sales and dollar volume accounted for by luxury detailed homes in the city of Toronto was lower this February compared to last February. This contributed to a more modest pace of overall average price growth.
• The average selling price for 2012 as a whole was up by almost 7% to 497, 298
• Sales by Home Type December 2012
• Detached 416 - 12.3% less sales
• Detached 905 - 13.6% less sales
• Semi Detached 416 35.2% less sales
• Semi Detached 905 15.4% less sales
• Townhouse 416 20.2% less sales
• Townhouse 905 15.2% less sales 
• Condo Apartment 416 26.9% less sales
• Condo Apartment 905 26.3% less sales
• New home sales were down in January by 35% compared to 2012. Low rise sales dropped 50%.
• High rise index price down 2.3% year over year.
• Low rise index price up 16% year over year.
• High rise inventory of fifth highest level of record.
• Home prices in Canada declined for the fifth straight month in January.
• Prices up 5.3% in Toronto on average.
• Saving is never better than investing
• finance companies win because you are not going away
• give them an opportunity and a problem
• Curious, interested, committed or invested. Which best describes you
• risk is when you leave all your money in and savvy is playing with the Casino's money
• Willing, able, curious and interested
• investing in Real Estate is not a bet but rather a path
• that is educated speculation
• you don't save money to create wealth
• freedom with wealth is what you want
• freedom can be tied to a mortgage that somebody else is paying
• one out of every five dollars that exists today in Canada did not exist 12 months ago which means there has been a 20% destruction of the dollar
• look for upside potential otherwise known as intrinsic values
• Real Estate is a promise it is not an event but it is eventful
• It has never been less expensive to borrow money to buy Real Estate than it is today
• Smart debt trumps equity
• On terms we can pay a premium if we receive a long enough time period
• Financing very often involves packaging positioning creativity and ingenuity
• Less "after tax" dollars required to acquire.
• Leverage acquires property, which appreciates tax-free
• Interest expense is generally a current deduction
• Debt can be used to monetize the asset without taxes.
• forex futures or options trading is a great active investment consideration
• invest a regular amount on a consistent basis
• when prices go down your money buys more
• Active investing is hand picking companies you believe will out perform the market
• passive investing is investing in funds that mirror an index
• an ETF is an exchange traded fund
• you don't have to buy physical Real Estate for it to be included in your portfolio
• the best way to make money in Real Estate is time in the market not timing the market
• Dollar cost averaging is how you make the volatility of the market place work for you
• make more of the money that you make
• you finance everything that you buy. You either pay interest to someone else or you give up interest that you could have otherwise earned
• this is not typically how we structure deals but it is not out of the question
• compounding means the return is added to the Capital and is calculated based on the amount thereafter
• The Real Estate Market fluctuates with some different ideas. The cost of Housing. The cost of money. People's ability to earn money and their confidence in their ability to keep earning it and how far their dollar will bring them. Beyond that it's about access. Access to people jobs transportation and infrastructure. And beyond that it's about supply and demand.
• Builders can cancel for any reason without any recourse
• The modern contemporary truth of this statistic is
• Set up a generational transfer of wealth for your children that keeps what you built going on in to perpetuity
• Leverage the banks Business model for your benefit
• Shred your debt and explode your wealth
• the shred method is also known as the wealth acceleration method
• income - profit =expenses
• profit is the increase of income and decrease of expenses and the wider that gap becomes the more profit you have
• income is cash flow and investments are equity
• limit the amount of compound interest you are paying and increase the amount of compound interest you are receiving
• simple interest debt is generally more favorable than a compound interest debt
• 1.5 times your monthly take home pay is what you would love to have a HELOC for as a minimum standard
• art and real estate are inflation hedges
• rely on statistics and algorithms
• understand and calculate risk
• the fall will likely be rapid brutal and painful
• MZO=Minister's Zoning Order
• Make money irrelevant
• Bank on yourself is about leveraging a living benefit
• cash value that builds equity inside an asset you can leverage whilst owning and controlling it
• there is a big difference between saving and investing
• leverage divided paying whole life insurance as a savings vehicle
• hedge against inflation, banks and the tax happy Canadian government
• Bank on yourself is designed to super charge growth and build wealth
• Bank on yourself is a strategy leveraged to structure a whole life insurance policy
• Discipline delayed gratification and long term thinking
• paper wealth is meaningless
• holistic well diversified asset portfolio
• if a $1 stock goes up to $40. How much money did you make? None. Unless you sold your stock and locked in your gain. That is paper wealth
• A Banker is someone who lends you money when the sun is shining and wants it back the moment it begins to rain
• the city's definition of a low rise is 1 time the width of the street. Mid rise is 1.5x the width of the street. High rise is 2x the width of the street. Everything else is tall buildings
• The Developer who builds the pumping station dictates where the pipe goes and that is a gift to the city
• Have you ever considered building a Real Estate portfolio?
• I’ve got 26,000 buyers and sellers at USA and World Industrial Commercial & Investment Real Estate including lands, farms, businesses, opportunities, residential, financing, and more.
• Invest aggressively our energy and capital towards a mutually successful future.
• the fact is there is a downward trend in Business that will lead to a decline in production and employment which will in turn decrease income and spending
• the adoption of progressive customized Long term insurance solutions and investment strategies that provide protection growth and wealth accumulation whilst eliminating unnecessary risk
• invest in Real Estate, Insurance, Banks, Utilities
• invest not more than a comfortable Day's drive away
• Do you want to increase the purchasing power of your money today or increase the dollar value of your asset (maybe) tomorrow?
• it is important to remember the market is not crashing. it is returning to previous levels which are more sustainable
• evading taxes is not smart. avoiding them is intelligent
• Dual Asset Strategy
• Buy Renovate Refinance Rent with a  WholeLife Policy Downpayment and leverage Rental income to pay Policy loan back
• Dividend Driven Vehicles
• There is an impact in the growth of your money not being interrupted
• how you think about this market and whether or not it is a good time to buy is what you will give off
• the cycle of money is accumulation preservation and distribution
• it's the property that matters and You are building equity on it
• the true value of money is what I require It for at that moment in History
• Annuity paying high Cash Surrender Value Insurance has built in to it predictability, guarantees, creditor protection, lawsuit protection, tax free death benefit and potential tax free income, untaxable growth, leverage cash values whilst the policy value grows without interruption
• There is a huge difference between core inflation and headline inflation
• The purchasing power of the average person has been deteriorating drastically
• Your standard of living declines dramatically if you cannot keep up with the inflation rate
• Printing more money invariably leads to the dilution of it's value
• Ponzi schemes offer high returns for investors with little or no risk
• Countries de value their currency to make them desirable trading partners
• Governments declare something that has zero value to be money
• Fiat is a Latin word meaning currency circulated by force
• Make it a self funding proposition
• Don't make investment decisions based on what you think will happen but rather based on how people will react to what you believe will happen
• Buy Rehab Rent Refinance Repeat
• As an investor you want to look at the after rehab value. 70% goes to purchase price  20% to renovation and 10% profit
• The ARV is...After Rehab Value

There are 6 types of Development applications 

1. Official Plan Amendment 
2. Zoning By law Amendment 
3. Draft plan of subdivisions
4. Site Development applications 
5. Draft plan of Condominium 
6. Part lot control exemptions

• Here in Canada we have too many people for not enough roofs and too much space for not enough people
• De globalization in a global economy is expensive
• Real Estate in Canada is more expensive relatively speaking than anywhere else in the world
• Real Estate in Canada runs comfortably at 500,000 house sales and 250?000 new housing starts yearly
• Real Estate is about accommodation. Roofs over heads
• In the gta during the "pandemic" housing boom the excess (portion of the sale price that was over asking) in isolation was more than the asking price in the rest of the country
• When you witness an accelerated ascent you might do well to anticipate a reverse descent
• Data shows indications of where we have been where we are and where we are going
• We know the value in the market place. We just dont know the value from the market place.
• Houses on MLS are aged inventory.
• The market says
• There is very often a price attached to why.
• Look for something to diminish the urgency to look at the house when they insist on doing so.
• Let's create a self-imposed ceiling and then do our best to stay below that.
• Let's develop a strategy to try and not have to pay that.
• Our revenue property specialist.
• Leading edge internet marketing.
• If you are willing to take $400,000 let's tell everyone instead of keeping it to ourselves.
• There are some things that you can do that are inexpensive and not time-consuming that can have a huge impact and there are some things that are time-consuming and very expensive that have no impact.
• Marketing is about spinning things in a truthful way to help people see things in a different light.
• Value is not determined by what we ask… value is determined by what we offer.
• Price is what you pay… value is what you receive.
• I’ve got some ideas in this changing market that could really help you take advantage of what is available.
• I periodically send out information to help keep people informed about how their investments are doing.
• There is a lag time between when a property is available and when it is available on line
• What would it be worth to you to receive every lead that we do every day of every week of every month
• When you pay more it often costs less
• Leverage the opportunity to leverage debt
• Real Estate has many wonderful built in components 1. Cash flow 2. Mortgage Paydown 3. Tax incentives 4. Natural appreciation 5. Forced appreciation
• Invest where strong leadership job growth and population growth are present
• Compounding is where we receive growth based on previous growth as well as on the original amount which equates to exponential growth
• It is important to own that which politicians cannot print more of
• Money is a store of value, unit of count, medium of exchange, and system of control
• Wealth is built in the creation of debt that other people service
• Work Brilliantly to eliminate debt that you have to service in order to evolve in to the creation of debt that other people are servicing
• Preserve wealth and multiply your money
• Capital attracts opportunity
• Very significant profitability options
• Minimize the interest it costs you on bad debt by maximizing the profit of and on your own assets
• Divide the interest rate by 72 for an approximate estimate on how long it will take your money to double
• Financial literacy is essential to Building Wealth
• Investing means putting money in a financial vehicle or asset that has a certain amount of risk and no actual guarantee of growth whilst savings is putting money in a vehicle that is safe protected from loss and has long term guaranteed savings growth without unnecessary risk
• The growth of money is primarily a function of the amount of time it is given to work
• Real Estate accounts for 20% of Canada's gross domestic product (GDP)
• Inflation comes from the Printing of money
• Tax Deferral does not equate to tax elimination
• Is this way it will make sense in simple Unified numbers
• Cash flow is more reliable than appreciation
• Much of what may rest ahead can be determined by looking around at Affordability gross domestic product interest rates unemployment and ultimately inflation
• When the market pick up it moves at a faster pace and more aggressively than when the market is moving downward
• There are ups and downs in Real Estate although the trend in the long run has been a line tilting upward
• A recession is termed so when we have 2 quarters in a row of negative Gross Domestic Product
• Minimize your taxes maximize your credits and protect your assets
• Our population is increasing and housing supply is not keeping up
• Residential Real Estate is historically one of the most stable forms of generational wealth creation
• In 2019 we were scheduled to receive 500,000 new immigrants in Canada by 2023 and now we will be receiving 4,000,000 by 2027
• Shaquille O Neal who traveled to many places in North America as a professional Basketball Player publicly stated the most beautiful people he saw in general and as a whole were located in Dallas Miami Los Angeles and Toronto
• Toronto has a very diverse and handsome population of people and it is a super fun place to live
• Dallas Miami New York Los Angeles Toronto and perhaps Mexico City will be and are the urban centres that matter
• There is more development going on in Toronto right now than anywhere else in the world
• Here in Toronto we are currently unable to find land and build quick enough to satisfy the needs of the populace
• The Developer's margin is generally 15%
• A typical condo in Toronto today (2024) is selling at $1600 per foot
• 600,000 people per year come to Canada 170,000 of which settle in Toronto and we are able to build about 30,000 homes per year in the gta
• There are currently more elderly diapers being produced and purchased in North America than there are baby diapers
• A temporary recession driven by an over allocation of resources toward Construction
• In 2008 there was double the build up of housing units than there was household formation
• Real Estate investing is a very simple arrangement. You provide people either a place to live or a place to operate their Business and they pay you rent
• To go from 30000 to 20000 is a 33% loss however to go back to 30000 from 20000 it requires a 50% gain
• The printing of money is a cruel hidden tax on the tax payer in future years
• Arithmetic is not an opinion
• Urgency and Scarcity create opportunity
• The biggest mistake I made in Real Estate is not buying more of it
• Grow your wealth through equity appreciation scale your portfolio and create Residual income
• Parents are the ally in Student Rentals
• There are 67000 students in London at Fanshawe and Western
• To invest is to lay out for a purpose from which a profit is expected
• The bank will take 50% of the market rents to apply toward the qualification on student rentals
• In 1972, interest rates were around 7.23%. If you waited for interest rates to go down, you wouldn't have bought a home until 1993. You would have rented for 21 years while prices went up almost 5X.
• In Real Estate what is working for you is cash flow appreciation of the property and retirement of the debt
• Net immigration and restrictive land are driving  factors of Toronto price increases
• Money to close can help with up front money for Deposits Renovations and paying off credit cards for financing
• As investors we want to lock the deal down and then decide if we want the deal or not
• Identify that which is undervalued and underappreciated
• When the market goes wonky People go back to school thereby making student rentals very desirable
• Buy Rental income property that produces cash flow
• Bad debt refers to borrowing for items that do not generate income or appreciate in value
• Good debt is used to purchase assets that will likely appreciate in value or generate income
• Use debt to create assets
• Leveraging debt wisely can help entrepreneurs leverage opportunities expand business and fuel growth
• Very little beats time in the market as a wealth creation tool
• Invest in ways that generate returns greater than the cost of the debt
• Debt fuels growth without diluting ownership
• The more debt you use the less tax you pay
• Toronto is a culturally rich cosmopolitan city
• The fastest way to become a lender is to be a borrower
• When you cannot buy it anymore people want it even more and are willing to pay more
• Earnings before interest taxes depreciation amortization aka Ebitda
• The stock market prices the companies on the exchange for what they believe the value will be 6 to 9 months from now
• The magnificent seven are Apple Google Microsoft Amazon Meta Tesla Invidia
• Go where the money is going to go and buy it first
• Buy the property and hold it for a long period of time
• Luxury High Cash flowing Newly Renovated Fully Managed Student Rentals