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The Mexican Fisherman and Investment Banker Parable

September 26, 2023 By Cedric Liem Leave a Comment

This is a short parable I first read in MoneySense many years ago. I recently thought about it again and searched for it and I want to share it with you. I do think it is such a fantastic parable, especially during these crazy times of higher inflation, higher interest rates, employer-employee battle for work-life […]

Filed Under: Blog

Special Mortgage Rates at BMO

June 7, 2022 By Cedric Liem Leave a Comment

BMO logo

BMO Special Mortgage Rates last updated 2021-05-25

Filed Under: Mortgage Rate Promotions and Special Offers Tagged With: 5 year fixed rate mortgage bmo, Active, bmo eco smart mortgage, Bmo Mortgage Rates

Special Mortgage Rates at TD Canada Trust

June 7, 2022 By Cedric Liem Leave a Comment

TD Bank logo

I’ve taken screenshots of TD mortgage rate special offers and promotions. Mortgage rates are at record lows now. Date: 2022-06-07 Date: 2021-01-17 Date: 2018-11-28 Date: 2017-08-24 Date: 2017-07-23

Filed Under: Mortgage Rate Promotions and Special Offers Tagged With: 3 year fixed rate promotion, 4 year fixed rate promotion, 5 year closed variable rate promotion, Active, td canada trust mortgage rate special offers

Why Canadian Housing Will Continue to Rise

November 18, 2021 By Cedric Liem 1 Comment

One reason I’ve stayed out of real estate for a long time is because I keep thinking it’s overvalued. But, take a look at how much real estate is part of our GDP in Canada. Source: Statista. It’s a huge portion. It’s the biggest portion of our GDP. Manipulation by Groups of People And then […]

Filed Under: Blog

How to Live Financially Free

January 25, 2021 By Cedric Liem Leave a Comment

How to live financially free

Living mortgage free is only one step to living financially free or secure. You need to develop a strategy if you want to be financially free. The ultimate strategy is earn more income. Sure, you can cut expenses, but, unless you’re making a lot to begin with, you still want to earn more income if […]

Filed Under: Blog

Interim Occupancy Fee for Condos Explained (aka “Phantom Mortgage”)

January 21, 2021 By Cedric Liem 14 Comments

Phantom mortgage

The Interim Occupancy Date So, you bought a new condo and you got your letter that you can move in. It has the term Interim Occupancy bolded with a move in date. This was the interim occupancy date. You may be excited, but, for me, that wasn’t a pleasant notice. It was at the time, […]

Filed Under: Mortgage Guides Tagged With: Interim Occupancy Fee Ontario, Interim Occupancy Fees Definition, Phantom Mortgage, Phantom Mortgage Condo, Phantom Mortgage Definition, Phantom Mortgage Ontario, Phantom Mortgage Toronto, What Is Interim Occupancy Fee

Is Living Mortgage Free, Financial Freedom?

June 30, 2020 By Cedric Liem Leave a Comment

Is paying off your mortgage and living mortgage free really like having financial freedom? When you have a mortgage, it may seem like it would be. When you finally pay off your mortgage, you realize it’s not yet quite financial freedom. But, you’re getting there! Related: How to Pay Off Your Mortgage Faster I’m mortgage […]

Filed Under: Blog Tagged With: financial planning

How to Buy a House in Ontario – Home Buyers Guide 101

June 30, 2020 By Cedric Liem 1 Comment

Buying a House

Even with the new mortgage rules that came out in 2018, or the pandemic of 2020, the process for buying a house is the same. And it’s simple. From a very high level overview, it’s about finding a home seller and then signing a contract with that seller to buy that house. That’s really all […]

Filed Under: Mortgage Guides

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