Randy Selzer Real Estate Podcast

Episode #13 - How to Pay Off Your Mortgage & Pay for Your Kids' Education

Mortgage expert Roberto Pelaccia shows how to pay off your mortgage and pay for your kids' education, by leveraging the equity in your home. Learn how to buy an investment property and accelerate your financial success. Reach Roberto at 905-466-5023 . 

Integrative Tax and Succession Planning for Business Owners

Today's special guest is Maricel Ramos, a Certified Financial Planner in the Greater Toronto Area, who provides an introduction to financial and tax planning for business owners. Learn about tax and succession planning for business, whether you own a sole proprietorship, or a large or small company. Maricel Ramos can be reached at 647-862-5280.

Special Guest Vadim Koltsov of Mississauga Fine Arts Academy

We interview Vadim Koltsov, director of Mississauga Fine Arts Academy. Find more information at https://www.facebook.com/MississaugaFineArtsAcademy/ or call direct at 905-276-0251

"Why Salespeople Fail, and What You Can Do About It"

Special guest Robin Singh of Sandler Training explains how sales professionals can understand four basic personality types to increase sales. Podcast listeners get a free e-book "Why Salespeople Fail, and What You Can Do About It" by submitting your name & email to Robin. Also, one lucky listener will win a free Sandler 10 week course! Reach Robin at robin.singh@sandler.com, or call direct 647-988-1037.

RRSP Withdrawal Limit Increase

The Canadian government allows first time buyers of real estate to withdraw money from their Registered Retirement Savings Plans, tax-free, to help with the down payment. The withdrawal amount was recently increased from $25K to $35K per person. We explain briefly how the system works, including the requirement to pay back the funds over a 15 year time frame. 

First Time Home Buyers Incentive 2019 - Real Estate Shared Equity Mortgage

We review something new from the Canadian government pertaining to real estate and home ownership - the "First Time Buyers Incentive". Due to take effect in September 2019, this proposes an interest free loan for first time real estate buyers, of up to 5% on an existing property, and of up to 10% on new build construction, which would only be repayable when the property is sold. Certain restrictions apply. 

Special Guest Marie Beckles of LegalShield

We talk with Marie Beckles, independent associate with LegalShield, and discuss some of the innovative features and benefits of this monthly legal plan. Marie can be reached at 416-576-3289 or at mbeckles@legalshieldassociate.com

Toronto real estate market forecast 2019

We look at trends in the Toronto real estate market, and explain that despite warnings from the doomsayers, the market will not crash in 2019. Hear how the 3 "pillars" that are holding it up remain in place, and that while they do, the market will continue upwards. Video at https://www.youtube.com/watch?v=qFBAbEOHdhc  transcript: https://bit.ly/2VufkcS

Bank Stress Test with Sherry Love Scotiabank

Our special guest today is Sherry Love, a senior mortgage specialist with Scotiabank, and we discuss the "Stress Test", which is a bank requirement for people applying for residential mortgages in Canada. Sherry explains how this works - how people must now qualify at a higher rate than the actual mortgage that they are getting. 

 

How Long will the Toronto Real Estate Market Slump Last?

We compare the Toronto real estate market slump with the slowdown that Vancouver experienced, after both cities implemented a "foreign buyer tax". Will Toronto follow Vancouver's lead, where the slowdown lasted for eight months? Watch the video at https://www.youtube.com/watch?v=acPFHd8qy1w