Vlog #10: Forced Appreciation
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Vlog #9: Stable Investment
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #20: Paying Less Tax
When you make a profit, you want to hold on to as much of it as you can. You earned it, it’s yours, and you want it to stay yours! But that’s not how it goes. A certain amount of every dollar you make in your life goes towards taxes. It’s unavoidable. So, it’s a good idea to consider ways to make the most of your profits. You want to not only make as much as you can, but also keep as much as you can.
You may be asking yourself, what kind of investment could possibly change the reality of capital gains taxes? Aren’t all investments subject to the same rates, the same drawbacks?
Here’s the thing: they’re not. While capital gains from stocks, bonds, and mutual funds are taxed at a pretty much universal rate, gains from real estate are taxed differently. If you buy a piece of property and sell it for a profit (because you bought it at a discount, or because it appreciated in value, or for some other reason), you will only be taxed on half of the money you made. This is because, in theory, the property should have lost value over the course of time. However, that’s often not the case. It’s entirely possible to resell real estate at a gain, as with any other investment. What makes real estate great is that you have to give up much less in taxes
Those tax savings mean more money in your pocket. There are so many things about real estate that make it a smart investment- the many profit centers it offers, the potential for excellent financing from banks, etc.- but one of the best parts is that you get the chance to actually keep more of your money. That, along with everything else, is great for investors. Real estate investments are an excellent way to build a prosperous future for yourself. Protect your interests by investing in property- you won’t regret it.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #19: Others Pay Your Bills
A great thing about investing in rental properties over other types of investment is that other people pay the bills for you! This is one of the profit centres called “Cash Flow”.
It goes like this: an investor buys a property and provides the down payment from their own pocket, and secures the rest of the funds in the form of a mortgage from a bank. The investor then rents out the property to renters, who will use it to live or work in. Renters pay rent to the investor, and the investor uses that rent to pay the mortgage they owe to the bank.
Think about how beautifully that’s set up! When you invest in a rental property, your bills are covered by someone else. You don’t have to pull all the money out of your own pockets to cover your debts- you get paid for the public service you provide by renting out your property to others who need them.
This is one investment where you shouldn’t have to worry about where your next payment is coming from. The rent payments cover the mortgage, and tenants also cover most utilities. This is the “Flow” in cash flow. The money moves around, and everyone gets something out of the deal.
The magic of rental properties doesn’t stop at simply helping investors break even. Properties often appreciate value as time goes on. The mortgage that’s owed to the bank, however, remains unchanged. Because of this, property investors can actually see their net worth increase over the course of time. Investors are able to increase rent prices to match the increased value of the property, and in this way can secure a good financial future for themselves and for their families.
Investing in rental properties is a smart choice for so many reasons. Wouldn’t it be nice to have an investment that other people are going to help you cover? Doesn’t it sound great to make an investment you don’t even have to pay for yourself? With real estate, that can be a reality.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog 18: Cryptocurrencies vs. Real Estate: Why Cryptocurrency Comes Up Short
Looking for a way to make extra money over time? If you have the means to do so, investing is always a good idea– as long as you’re making smart investments. Making risky investments in cryptocurrencies like Bitcoin can certainly be thrilling, and it’s definitely become somewhat of a fad in recent years; it seems like everyone and their mother has money in some sort of cryptocurrency at the moment. But you should think twice before putting a significant amount of your savings into cryptos, no matter how good of an idea it seems in the moment. That’s because it doesn’t have any tangible backing, among other reasons.
If you’re looking to make a more promising investment, real estate investments could be one great and much safer, more tangible option. If you’re not quite convinced yet, just put down the DogeCoin for a second and let us explain why cryptocurrency comes up short when compared to real estate.
Cryptocurrency and its risks
Your first question might actually be what, exactly, cryptocurrency is and how the infamous process of investing in it works. Essentially, a cryptocurrency is an electronic currency that does not physically exist, but still holds worth. The value of cryptocurrency goes up and down based on how many people are purchasing it– it’s all about supply and demand. So, if you buy cryptocurrency at a low price, you may be able to sell it for more money once it becomes more valuable. The key word here is may.
One of the risks of cryptocurrency is that it’s extremely volatile. What seems like a good investment one day could be thousands of dollars wasted the next. And while most investments come with the risk of losing your money, cryptocurrency poses another unique risk due to its intangibility. Cryptocurrency isn’t backed up by any physical assets– it’s all electronic. That means it’s susceptible to glitches, errors, and hacking.
Real estate investment and its benefits
Meanwhile, real estate is one highly tangible asset that offers a much safer investment– it definitely has a physical form to back it up! It’s a whole house! While the fact that property can’t be hacked like cryptocurrency can is a huge plus, real estate investments also offer tons of other benefits: great, steady cash flow, tax breaks and deductions, and steady appreciation in value. It also comes with competitive risk-adjustment returns: over the past 50 years, the average annual return has been about 11%.
While real estate is a long-term investment, the overall return will be worth the wait. Overall, it offers long-term financial security and a nearly guaranteed great return. This, along with its tangibility, makes it a more secure option by a landslide when compared to cryptocurrencies.
So before you jump on the next big cryptocurrency bandwagon, really think about the risk you’re taking and ask yourself if that money could be better spent on real estate. Sometimes it’s best to play the long game. Happy investing!
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #17: Cryptocurrency vs. Real Estate: Why Real Estate Wins for Stability
Everybody knows the saying, “To make money, you got to spend money.” The question is where do I spend it then? The most common choices are also opposites: cryptocurrency and real estate. One represents the possible future while the other stands in for the long past—but is the future truly the future? In this article, we will discuss both to determine which one gets you the most bang for your buck.
Cryptocurrency
Let’s start with demystifying cryptocurrency. After all, “cryptic” is part of its name. Simply put, cryptocurrency, such as Bitcoin, is a totally digital alternative to regular currency, used to exchange for goods and services. They are dollar bills and coins that exist “in the cloud.”
With that out of the way, why are people so interested in cryptocurrency? One, it has little upfront cost to enter into the market. An investment of just $100 will get you started. Two, there is little maintenance: you buy it and let it do its thing. Finally, it is transparent. All transactions are logged and available for the public to see.
While this sounds promising on the surface, cryptocurrency comes with some significant risks. Most notably, it is not regulated by any governments. This seems like it could be an advantage, but it actually means that it is incredibly volatile.
In 2017, Bitcoin’s value went from $1,000 to over $19,000 and then down to $7,000 in a matter of months according to Business Insider. Cryptocurrency also has security risks. Based entirely online, it can be hacked. Wired reported one such incident when a whopping $460 million was stolen.
Real Estate
Compared to cryptocurrency, real estate is slightly more self-explanatory. Buying real estate may be costly upfront; you may have to spring several thousand just to close the sale. Not to mention, you must take into account utilities and repairs.
With that said, these risks can be easy to combat. For one, real estate is versatile. You can build a business on it, rent out the space for private or commercial use, or fix it up and sell it for a profit. All of those provide a consistent cash flow, another great advantage. Lastly, owning real estate comes with tax breaks, which help mitigate things such as deprecation, insurance, repairs, and other potential surprises.
Final Verdict
After looking at both cryptocurrency and real estate, you may still be left wondering which one comes out on top. This is a good thing to consider when your own money is on the line.
Nonetheless, it is hard to deny the versatile appeal of real estate. The S&P 500 Real Estate Index reported a 29% increase on returns in 2020. Finally, its stability really wins it out. Cryptocurrency can have meteoric highs, but can then come crashing down, leaving you with nothing. Real estate has highs and lows as well though almost never to the same extent. If you plan on spending money to make some, it is a safer bet to invest it in where it’s “real.”
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Vlog #8: Appreciation
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #16: The High Cost of Mutual Funds
In any investment, there’s a certain level of money you have to put in before you see a return. That’s kind of the point of investing: you put something in to get something more out. It’s not free money, it’s putting your money in the right places to turn it into more money. Investing is great!
But some investments are smarter than others. Some investments, like mutual funds, can cost you quite a pretty penny right up front. Let’s look at some of the costs associated with mutual funds.
Annual Fund Operating Expenses
There are a lot of ongoing fees you’ve got to look out for if you invest in a mutual fund. There are management fees that go to the people who run and operate the fund, and 12b-1 fees, which go towards marketing and selling the fund, as well as other shareholder services. Then there can be a whole load of other administrative and managerial fees that you don’t really want to deal with.
Shareholder Fees
More expenses? That’s right, as a shareholder in a mutual fund you’re also responsible for things like sales loads, which are commissions you pay when you buy or sell shares, redemption fees, which you pay if the fund doesn’t feel you’ve held onto a share long enough, account fees if your investment falls below a certain waterline… the list goes on and on. There are so many little costs you have to account for when you invest in mutual funds just to have shares in them in the first place, let alone if you want to actually do anything with your shares.
How Can I Avoid This?
The best way to get around mutual fund fees is to simply invest in something else. Real estate, for example, doesn’t have all these hidden costs and fees. When you invest in a property, you pay in what you pay in, and if it’s a rental property you probably aren’t even paying the utilities for the building.
Real estate is a really smart investment for a lot of reasons, chief among them the fact that it’s straightforward. You invest in a property, you know what you’re paying and what you’re paying for. This is one of the reasons to consider real estate for your next investment.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #15: Real Estate Makes Money (Without You Lifting a Finger!)
You want to make investments that are going to pay off. That’s kind of the point of investing, right?
With the stock market, there are a few ways to see some payoff. It’s fairly easy to sell stocks, and if you sell them for more than you paid for them, then that’s a profit.
That’s all well and good, but it’s not really something you can count on. The stock might drop in value after you buy it. And while you have the stock, it’s not directly paying you anything. It’s just sitting there. Wouldn’t a truly fantastic investment earn its keep all on its own?
That brings us to real estate. Real estate can do just that for you. If you rent out a property, you’ll see profit in the form of what’s called “cash flow”. This is the profit you see when you rent out a property for more than its expenses cost.
The property owner charges the tenants of the building rent, which covers the mortgage and other expenses associated with the property. However, if the investors are playing smart, there’s some cash leftover from the rent payment after the expenses are paid. That investor could be you!
Real estate provides you with passive income. That’s money that you’re getting from something other than a regular job. Because of that, it’s clear that the stock market can’t always provide for you and your family the way real estate can. Real estate investments can be a great, reliable source of income. If you play your cards right, you get to see the profit without even having to regularly visit the property. The money comes to you, not the other way around.
Stocks are a popular investment, but that doesn’t mean they’re the best option. You can’t always count on your stocks to be worth what you need them to be worth, and you certainly can’t count on them to make you money passively.
Real estate is a superior investment for a lot of reasons, chief among them the consistent income it provides you with. If you want to see a consistent, regular profit, real estate just might be the investment for you.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Vlog #7: Motgage Paydown
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #14: Your Money: Save it or Invest to Impress?
If you’ve got some extra money sitting in your savings account, you may be tempted to let it sit and collect interest (and dust). Although this may seem like a promising starting point, investing in real estate is where the best of investors typically hit a home run. Not only does this help to diversify one’s investment portfolio with a safer, more conservative option, but it also has a multitude of other benefits!
The Pros
Two, Four, Six, Eight, Who Do We Appreciate?
Unlike cars, which depreciate the moment we drive away from the dealership, houses tend to trend upward for years and years to come. It was reported in October 2020 that the current national rate of year over year home appreciation was 7.3%. That is tremendous growth that just keeps on growing!
Renting/ Building Equity
Unlike other investment options, real estate puts you in the driver’s seat. Many investors make an impressive profit by renting out their property to tenants. By doing this, the tenant becomes the one footing the bill for your monthly mortgage payment, not you. Not only this, but once the home is paid off , the house is owned by you, but paid off by the renters! When you look at it this way, it’s as if you only had to reach into your wallet for the down payment!
Control
Unlike the stock market, real estate investments offer more control on your end. Your actions and choices influence the end value of your investment property. You are not leaving things up to chance when you’ve got the control panel.
Naturally, with every investment opportunity, there is room for failure and misfortune.Luckily, real estate provides one of the most stable investing opportunities, but experts do have a few warnings for potential real estate investors.
But Wait––What Should You Watch For?
While there are so many pros to investing in real estate, it is always excellent to go into this game well-prepared for the unexpected. Here are some things to keep in mind:
Responsibility
Like anything in life, things can go awry. It’s best to know your tenants well enough to know if they will be fit to keep your property clean and functional. Risks may include damages to property, potential lawsuits, and tenants who won’t pay or need to be evicted.
Time & Money
Investing in real estate will require a downpayment to obtain the mortgage. The home may also cost money to fix up if needed. Additionally, you must remember that investing in real estate may be equally as draining of your time as it is on your wallet.
Knowledge
Often considered a rookie mistake, some real estate investors may purchase at the wrong time. It is important to maintain an understanding of how the housing market works, and to keep an eye on market trends, so that you can buy when the time is right. If you do this, you’re bound to make a nice return on your investment!
Ultimately, investing in real estate poses risks like any other investment. Fortunately, the rewards often outweigh the risks, making it a great investment opportunity overall.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #13: Are Bonds Really Zero-Risk Investments?
Bonds are often touted as being very low-risk investments. Some would even go so far as to call them risk-free. But is that really the case? All investments come with risks to balance out their rewards, and bonds are no different. Here are a few of the risks you take on when you invest in bonds.
Interest Rate Risks
This is one of the best-known perils of bonds. The relationship between a bond and the interest rates in the market are complicated, but basically, supply and demand are at play in influencing the interest rate on the bond.
A bond you invest in might decline in value if interest rates rise. Yikes!
Inflation Risks
A bond is worth a fixed amount of money. If you invest 10,000 dollars in a bond, when it’s paid back to you, you’ll get 10,000 dollars.
Seems straightforward and risk-free, right? Nope!
You must remember that inflation is a factor in every economy. 10,000 one year is unlikely to have the same purchasing power five years from the date the bond is issued. In that way, there’s a good chance your bond is going to decline in total value, and that means money out of your pocket.
Default Risk
If you invest in bonds for a corporation, and that company goes under? Who knows what you’ll be getting back.
If the bank repossesses the assets of the company you’ve given your money to, well, that’s simply not your money anymore. It’s gone.
Takeaways?
Bonds aren’t the riskiest investment, sure, but they do come with their own set of risks. And that low risk deal that you think you’re getting also tends to come with low value and minimal rewards.
Bonds aren’t a terrible investment, but they’re not necessarily the best one.
Real estate, on the other hand, is a great investment choice for anyone who wants to see their wealth grow surely and steadily. No matter what happens, if you invest in real estate, you can rest easy knowing that there’s a solid piece of land behind your money.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Vlog #6: Cash Flow
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #12: What is Private Capital?
Private capital lending is an alternative strategy for real estate investors to enter the property market, but what is private capital, who can use it, and what can they use it for?
Private Capital Definition
Private capital is an umbrella term for investment loans typically unavailable through public markets such as banks.
Private capital is accessed mainly by people with a high net worth who will use the funds for various investment scenarios, including real estate, private equity, and debt markets.
Institutional investors also frequently use private capital to make investments for others, such as insurance and pension funds.
How Do You Access Private Capital?
Access to private equity is different from traditional channels like a bank loan. Private capital reduces the risk to the lender by securing the loan against an existing asset owned by the investor. Collateral can be a house, infrastructure, or a block of apartments. Lenders are concerned with the ability of an investment to create a return that will benefit them and the lender.
Because an asset provides the collateral, the lender will usually have the option to take control of it should the borrower default on the loan. For example, if an investor purchases an investment home, the lender will be able to sell the property to recoup their funds if the investor fails to meet their obligations.
Terms for private capital are more flexible than most publicly available loans, as both lenders and borrowers can add terms and conditions that are unique to their circumstances. Flexible options include the duration of the loan, fees, and payment schedules, to name just a few.
Private Capital Advantages
Private capital lenders are a lot more flexible in their terms and conditions because they work at a more personal level than the average bank or financial institution. Loans can be specifically tailored to an investor’s unique requirements. Also, a private capital lender will arrive at a decision much faster than a bank, which can be crucial for time-sensitive deals.
For example, an investor interested in a property that is a fixer-upper may only be able to secure a loan from the bank equal to the current value of the property. However, a private capital lender will consider lending funds on top to cover the renovation because they also have an interest in the property’s income potential.
Another advantage of private capital is that much of the red tape is removed during the approval process. Lenders know that an asset backs their funds, so they are not prone to the many regulations and restrictions that can slow a bank’s approval processes to a frustrating crawl.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #11: Real Estate Gives You the Reins
When you invest in the stock market, you are, in a way, gambling. You’re entrusting your money to the whims of someone else’s company. The stock market is a popular place to invest, but when you invest in it? You don’t really control what happens next.
If you have shares in a company, sure, you might have the option to vote on things like who gets to be on the board of directors, but ultimately, what the company does is out of your hands. You’re just along for the ride.
Real estate is different. When you invest in a property, you have direct control over your investment. You decide exactly what you invest in, and what to do with it! You get to make decisions like:
- What type of property you’re investing in
- Where that property is located
- What kind of market you’re buying in
- What kind of financing you use
- And perhaps most importantly, how the property is maintained or improved!
That last one is a big one. When you invest in real estate, you have a lot of options. You have a very serious and direct influence over the value of the property. You can choose to improve the condition of the property as you see fit, and in that way directly increase the amount of profit you can make from it, either by reselling it or by renting it out.
If you buy a property, you can do things like renovations that tangibly and immediately make it worth more than it was before. If you invest in the stock market, you’re counting on a company to perform well. Maybe it will, maybe it won’t. You don’t get to decide. You don’t have control.
With real estate, you get to make your own decisions as an investor. If a property is underperforming, there are steps you can take to get it in top-notch condition and help it get you the money you want and deserve.
You want to have control over your financial future, right? Making the right investments is key to that. Investing in real estate means you’re handing yourself the reins of your own life. You get to make the decisions, and you get to take control.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #10: Real Estate vs. Banking your money
Investing in Real Estate vs. Banking your money: Why real estate keeps your money working for you. Here’s a question you might have been asking yourself: Is it better to invest your money, or hold onto it by keeping it in the bank?
There are so many old adages about money and investing, and perhaps the most important and relevant one? “Make your money work for you!” Another common phrase is “You have to spend money to make money!”, and that’s what’s at the center of the answer to this question. These sayings may be well-worn at this point, but they hold some truth.
When you leave your money in the bank, it does very little besides just sitting there. Sure, having a big number on your account balance looks nice, and it is useful to have some liquid assets you can tap into, but if you’re looking to really pump up your net worth, you’re going to need to put your money into something. You’re going to need to invest.
There are a lot of options for you when you set out to start investing, and real estate is one possible investment. It’s a popular choice, and for good reason.
Why real estate dose the Job
Real estate is an evergreen investment, because it has tangible, actual, inherent, and real value. People are always going to need places to live, and so, as long as there are people, there’s a demand for real estate.
When you leave your money to languish in the bank, you’re trading the chance to have a tangible asset to your name for a bigger number on your account statements. That number is nice to look at, but you know what’s even nicer? Being able to drive past an apartment building, knowing that it’s yours, that it’s making you money, and that you made the right choice.
When you’re deciding what to do with your money, it’s worth remembering that doing something with it—anything, really—is how you make a profit. Money sitting in the bank isn’t doing you any good. But investing in real estate, thus using your money to make more money? Utilizing your intangible monetary resources in order to put your name on something real and eternally valuable? Now that’s smart.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Vlog #5: Leverage
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #9: Why Real Estate’s Equity Building Makes It a Better Long-Term Investment Than Bonds
When most people think of investing, the first things that come to mind are the intangible, particularly stocks and bonds. While many people may not understand its more complex innerworkings, most have some idea about what investing in stocks entails. But what about bonds, and are bonds sound investments, especially when compared to more tangible investments like real estate? In this article, we will consider these questions carefully.
What is a bond?
To put it simply, a bond is a type of loan whereby an investor gives money to a company, an individual or the government. In exchange, these parties promise to pay back the loan by a specific date, along with regular interest.
On one hand, bonds are typically a lower-risk investment than other more common types, especially stocks. When you buy a bond, you understand the terms and conditions from the very start and so will not likely encounter any unpleasant surprises.
That said, because they are low-risk, bonds tend to be low-yield investments unless specified otherwise. While there is usually clear risk involved, real estate often yields higher returns while also building equity.
Real estate builds equity in many ways. This could be through debt decreasing or property value increasing. In contrast, the gains you reap from bonds will be predictable and consistent but generally unremarkable. Additionally, bond returns do not respond well to inflation.
Real estate, however, is by nature dynamic. It responds to the market, which means when prices go up, so does the value of your units. When you own several apartment buildings and demand for housing in your city is on the rise, you can expect to earn more from each of your units.
In sum, the higher yield, increased stability, and long-term benefits of investing in real estate prove better and more worth your investment than bonds.
How do I invest in real estate?
There are many ways to invest in real estate. While there are intangible options like real estate investment trusts, many find it rewarding to actually manage the properties for themselves by renting them out, overseeing their maintenance, and so on.
Investing in real estate can be done through investment in rental properties or flipping property you’ve invested in. Perhaps the best way to start into real estate investment is by renting out part of a home, even if it’s just part time through a platform like Airbnb.
For more guidance, reach out today. I want to hear from you!
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina nad Tj offer their investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Tina nad Tj.
For more information about Tina nad Tj and their investment program, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Vlog #4: Instant Equity
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Blog #8: Gold Vs. Real Estate: Gold Is Not a Solid Investment
Gold has been around for centuries. From ancient royalty to present-day investing gurus, plenty of people choose gold as an investment. That many people can’t be wrong, can they?
Well, as it turns out, gold may not be such a golden choice after all. On the surface, it may seem harmless, lucrative even. However, when you look closely, you might start to notice that there are a lot of reasons that gold isn’t quite the excellent investment people have believed it to be for so long.
Here is why:
A Market Steeped in Instability?
Let’s cut right to the chase. The gold market is simply not stable. That might seem strange, because most people associate gold with prestige and wealth. You figure that it is surely in high demand. Why would its price fluctuate wildly, if everyone wants it?
As it turns out, gold prices move with the economy, like any investment does.That said, gold also crashes harder than some other investments because it doesn’t really serve any purpose, at least not in the way it used to when currency was backed by it.
People like gold, but generally speaking, they don’t need it. It’s a market that people invest in when they’re afraid of paper currencies going under, but its value doesn’t come from it being useful or necessary for society.
Why Real Estate Glimmers
With that in mind, maybe gold isn’t the right investment. Its instability makes it unreliable—you can’t count on gold to weather through a tough economy with you. So, what’s another investment to consider, if you can’t count on this classic?
Let’s take a look at another thing that people have trusted as an investment for centuries: land, property, and real estate. People have been profiting from owning property for as long as there have been people. Since folks actually need places to live and work, it’s a market that’s never going to go away as long as there are humans on the planet.
Now, the real estate market does have ups and downs of its own, just like gold or any other investment. Overall, however, it’s a much more stable option. Why? Because the demand for safe housing and attractive corporate property remains constant for the most part.
Putting your money behind something necessary is a good safeguard against turbulence in the economy. You can’t always count on your coins, but real estate? Now that’s a smart investment.
About Tina and Tj
TJ and I have been actively involved in the Niagara Region, Waterloo, London & surrounding regions, Barrie, Innisfil, Bradford and Toronto ON area real estate investing for a number of years. Through investing (and lots of sweat equity!) we have been able to realize more financial, time and location freedom, and also fulfill our purpose to make a difference by creating beautiful spaces people can call home (and being good landlords and humans along the way!)! And now we are excited to start to partner with others to help them realize above average returns on their investment (R.O.I) and capitalize on our different strengths, passions, and available resources. It is truly a win-win-win way of investing!
Tina and TJ offer their investor partners hands-free investment opportunities.
For more information, please call (416) 998-1494 or email them at tina@tinashiels.ca or visit https://tinaandtj.com/
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Contact Tina & TJ Shiels
Tina & TJ Shiels
Professional Real Estate Investors
