by bsmith | Jul 27, 2015 | Mortgages
It has now been two weeks since the most recent .25% cut to the Bank of Canada’s overnight rate. My question is “What is the impacted to you and your mortgage?” 1. Despite the .25% reduction, the Prime Rate in which banks lend money, only reduced by .15%. This is the...
by bsmith | May 14, 2015 | Casb Management Group Inc.
This article written by Bruce Smith was originally published in The Londoner’s May 14, 2015 issue. Starting your own business is the dream of many Londoners or, for that matter, many Canadians and others around the world. You have an “idea” for a business, a...
by bsmith | Mar 30, 2015 | Casb Management Group Inc.
This article was originally published in the March 26th, 2015 edition of The Londoner, which is available online here. Bruce Smith, Special to The Londoner It seems that not a day goes by without another media report on the amount of personal debt carried by...
by bsmith | Feb 12, 2015 | Casb Management Group Inc.
Many start up companies need to raise capital to grow or expand. One method may be to secure “Angel Money”, amounts typically in the $25,000-$100,000 range, from an angel investor. Entrepreneurs can find this challenging, largely because they make one or more of the...
by bsmith | Feb 11, 2015 | Casb Management Group Inc.
In preparation for a lecture on crowdfunding to a group of accountants, I discovered from my research of that the concept of having many people invest a small amount of money into a company, is more myth than fact. Sophisticated investors are unlikely to forward $1000...
by bsmith | Feb 4, 2015 | Casb Management Group Inc.
I was reading an article by Carol Roth on this subject and was immediately intrigued by her assertion that one of the most counter-intuitive traits that can hurt entrepreneurs is smarts. In summary: While you may think that being smart, motivated and talented would...
by bsmith | Nov 24, 2014 | Casb Management Group Inc.
Refinancing your home can seem daunting; there may be a penalty to pay out early, and you’ve been working hard to reduce the amount you owe on your mortgage. So why do it? Whether you need cheap money for home renovations or are looking to take advantage of a...
by bsmith | Nov 17, 2014 | Casb Management Group Inc.
Why use a broker? It’s a question I get asked from time to time, often from those who went directly to their bank when they bought their property decades ago. The mortgage landscape has changed since then, and the terrain can be difficult to navigate. That’s where...
by bsmith | Oct 6, 2014 | Casb Management Group Inc.
Everyone has needs unique to their financial situation. Accordingly, there are many kinds of mortgage, designed to fit those needs and give the client the solution they deserve. Here are five mortgage products that you may not have known about. Business for self –...
by bsmith | Sep 25, 2014 | Casb Management Group Inc.
According to a survey conducted by the Canadian Payroll Association, Canadians have poor saving practices and are prepared to work longer to make ends meet. This mirrors the common belief that the children of baby boomers will have a poorer standard of living than...
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