by bsmith | Jul 4, 2014 | Casb Management Group Inc.
Given the volatility in the stock market and low returns experienced with fixed income instruments, many investors are seeking alternative investments that provide an attractive rate of return with an acceptable level of risk. When investing in mortgages you are...
by bsmith | Jun 16, 2014 | Casb Management Group Inc.
Lenders and entrepreneurs have different perspectives and different interests. These differences are ingrained, but good financial times can create a comfort level that obscures them. Now in times of tighter credit and a slower economy, these different interests are...
by bsmith | May 5, 2014 | Casb Management Group Inc.
The Canadian Mortgage and Housing Corporation (CMHC) is moving yet again to tighten the home mortgage market with changes that will make it more difficult for certain Canadians to obtain government-secured financing for real estate purchases. We will seek further...
by bsmith | Apr 28, 2014 | Casb Management Group Inc.
According to a BMO poll released on April 16, 2014, 64% of Canadians would rather talk to the kids about sex then they would about money. This would indicate that the majority of parents acknowledge that they simply are not equipped to provide proper financial...
by bsmith | Apr 14, 2014 | Casb Management Group Inc.
Colleague David Grossman posted this list and I am in full agreement of as to how I think a mortgage broker or agent should engage his/her customers. • Thou shalt not charge exorbitant fees • Thou shalt not push a borrower into a mortgage they cannot afford • Thou...
by bsmith | Apr 7, 2014 | Casb Management Group Inc.
Now that we have entered the month of April, we rapidly approach the deadline for filing our personal income taxes. I believe there is a direct correlation between how you file your taxes and the overall type of person you are. This is strictly a theory, but my life...
by bsmith | Mar 31, 2014 | Casb Management Group Inc.
As a real estate investor, I have always subscribed to the old adage that any time is the best time to purchase real estate. With that said, springtime is my personal favorite, as both buyers and sellers emerge from hibernation; show shovels replaced by sun showers...
by bsmith | Mar 18, 2014 | Casb Management Group Inc., Mortgages
Mortgage loan insurance, an insurance put in place to help protect lenders from mortgage default, is typically required by lenders when homebuyers make a down payment of less than 20% of the purchase price. Effective May 1, 2014, Canada Mortgage and Housing...
by bsmith | Feb 20, 2014 | Casb Management Group Inc.
I recently met with a colleague in the mortgage industry. He was discussing the pitfalls associated with being the leader of his team, the need to constantly be “the guy” to make things happen. I could sympathize, as I share the same concern. The time and energy I...
by bsmith | Feb 10, 2014 | Casb Management Group Inc.
With the 2014 Olympic Games commencing in Sochi, we can again look forward to inspirational performances that demonstrate perseverance, overcome seemingly insurmountable obstacles and inspire us to what is possible. Here are a few of my favorites moments from past...
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