Are you over 55? Time for a serious conversation

We need to do some serious planning and in doing so, I need to ask you some personal questions so that I can better help you.

• Why did you buy your present home?
• How many rooms in your house regularly do you use?
• If your home was suddenly GONE! would you rebuild?
• What are your TOP 5 retirement lifestyle goals?  Is a large family home one of them?
• How long do you want your income to last?

In answering these questions and more; we can 

1) Connect with you to better understand 

2) Do research for your options

3) Communicate these solutions

4) WIFM?  I Write the business.

#Callme #yyz   #transforming #realestate

David Pylyp

647 218 2414

Memories of My Dad

Do you have momentous of your Mom and Dad? I have a shaving brush that I saved... I remember watching him on Sunday mornings before worship. Yeah, when he was taller. What's your fond fall back?

What's your best memory?

Is there an APP for that? Problem Solving

Is there an APP for that?   Instant Problem Analysis and Solution Implementation.

So many want an instant answer.   Just plug in the variables and out POPs your solution.

It would be perfect if it worked that way.

But the solutions and variables require skill and experience, understanding the dynamic, implementation,  they need your energy. After all,  It is your life.

• Will you procrastinate? 
• How will you handle negotiating with others?
• Does your personality let you move forward quickly?
• How strong are your problem solving skills?

Financial Analysis has exactly the same restraints.

• How is this investment risky for you, but not for someone else...
• Does this have Tax implications?
• How will your ability to borrow and available credit lines be impacted?
• What is the MOST important criteria in your selection?
• What is the Absolute MUST have?

The insights I provide are from two decades of working with families to solve their housing needs. Not every solution is for everyone.  Now, as we look towards retiring in place; we need more creative solutions and up to date information from Government Programs, Tax Credits and Home Care Assessments.  I'm here to propose solutions.

It would seem that retirement is not cheapER.

I welcome your thoughts and insights.

David Pylyp

Lets stop Home Ownership in Canada

Home ownership is family's life - both financially and from a quality of life perspective. You invest in your neighbourhood and community, put down roots, let your equity grow tax free of capital gains. When its paid off or before, you can refinance and pay for weddings or university ( again ) of your cottage.

http://www.cbc.ca/news/canada/story/2012/09/21/home-ownership.html
Home ownership is often connected to the notion of living the "American dream." But it is as much a part of Canadian identity as it is in the U.S.

Indeed, statistics show that the percentage of home ownership in Canada is edging close to 70 per cent, which is actually higher than the ratio south of the border at the moment – 65.4 per cent, a 15-year low, according to the most recent data. Many economists believe the Canadian government has played an active role in spurring home ownership, particularly by forming the Canada Mortgage and Housing Corporation back in 1946. 

"I don't know that home ownership should be a right and that it should be backed by taxpayer dollars and kind of be the prime mandate of a Crown corporation," says Ben Rabidoux, creator of the Economic Analyst blog, which looks into housing and mortgage trends.

DO you agree that we should all live in government provided housing?  After all, why would you want to be debt free in your house, when you downsize to a retirement home?