The equity you build in your principle residence is tax free. Most of the wealth created over time is created by owning your own home. The sooner you own a home the quicker you will become financially independent. Renting will keep you poor. These are all time proven facts.Today many people are confused because there is so much negativity night after night being broadcast on the news. For example housing sales dropped 27% in the USA in the month of July compared to last year. Supposedly the single biggest drop in history. Canada after seeming to being immune to this recession is now seeing h... From: Real Estate The Most Important Fact You Need To Know.

I would like to explain how leverage can be the essential ingredient to creating wealth by investing in real estate. We all understand there are many types of property to consider when buying real estate as an investment. Each property is unique and can be bought with various goals in mind for ROI (return on investment) . Income producing real estate is bought with the emphasis on the cash flow it produces while land might be purchased with hopes of appreciation over time. The average person with $100,000 who buys a $100,000 property. Who pays cash and then sells it for $125,000... From: How Real Estate and Leverage Can Create Wealth

How Will Redgage Do as a Social Media

How will Redgage do as a social media ???If you can imagine yourself standing on a beach watching the ocean. If you can visualize the ocean as the internet. Each wave is a change or new adaptation that the internet will apply to our daily lives. Those people that catch the wave or cause it become the next success on the world wide web. I believe that redgage is one of those waves and I'm glad to have caught it. Although I do not have the time to utilize it fully by repaying all comments in kind (which is just normal social media appreciation and i apologise to my new friends) I do recognize the potential of redgage. You see the greatest human want is appreciation because it is so rare. Redgage has made an extremely intelligent decision to reward their members for supporting them. Thus saying we appreciate you. Facebook has edged Google out for traffic and most online marketers have come to hate google and are flocking in droves to spend their hard earned money on facebook. Niether google or facebook make any attempt to show their appreciation. Look out google !!! Look out facebook !!! Because redgage is coming on strong !!!!

Our newest employee

Writing an offer ?????

Now where's that listing?

Just a minute while I check it out.

Ava taking a call

Hi everyone here we are in the middle of March and after a slow winter the real estate market is finaly starting to blossem. I sold my own listing this week for $129000 and I just got buyers approved for a $225,000 mortgage. I listed two good listings one at $299,900 and one at $329,900 so I'm starting to feel a little better. Rose sold one of Jenny's listings (Alton Road $169,900) subject to the sale of a little house in Stewiacke and Rose has an accepted offer on it. ALL CONDITIONS MET. That is great we have closings coming in. So hopefully cashflow is improving. Let's hope we all prosper this summer.

Many people ask me how I've managed to keep my daughters interested and involved in the business. Especialy other business owners. Well here's one of my secrets here's some photos of my grand daughter Ava in training.

Some People

Well we are working our way through a tougher winter than expected. My saving grace has been appraisals as sales have been unusaly slow.

Our real estate market stalled in mid october last year and has only sputtered since. The interest rates are the lowest in history but I've never seen credit this tight. The lenders have put policies in place that eliminate most purchasers that would have qualified for a mortgage only 2 years ago. That is the reality on the ground and that means this is going to be a slow recovery and a longer down turn. It took us 35 years to get to 100% financing and 40 year ammortizations. Now because some financial cowboys in the US built a house of cards that collapsed we will be paying the price for years to come. Now even if the lender wants to do the deal the high ratio insurer is getting tougher. This is an obvious reaction to more and more foreclosures and them seeing more lossess coming down the pipe. Another big impact on the market is the banks utilizing appraisal management firms instead of the local lender being able to call a local appraiser. This results in erratic and inconsistant appraisal values especialy in rural areas where accurate comparables are unavailable and an appraiser unfamiliar with the area compensates by being overly conservative. The lender has lost the ability to call a local appraiser familiar with the area and thus is farther removed from providing the customer with the service and results the customer would like. Of course we all know the banks and government operate in similiar manners. Both spend a fortune advertising how much they do for us while in reality it is the opposite. All of these changes have combined to basicly kill the goose that laid the golden egg which was the housing market. I hear the stories and watch the news about the hot housing market in Canada. That's not here not now and I don't think we are going to see a hot housing market for a while. The tight lending policies and changes in the appraisal process have combined to elimate too many buyers from the market place. Some people will have to come too their senses before things are going to get better and I don't see that happening in the short term. I hope I'm wrong but it's time to prepare for the worst. Recovery in sight ? Bah Humbug the recession is just realy beginning. We've only seen the tip of the iceburg.

Photography and Art

Hi There, Short post just to let you know my new photograpy and art site is up at

http://www.larrymatthewsphotoandart.com/ Check it out.

All the Best

Article Writing

Well it's a new year. I wonder what 2010 has in store. I wrote a few articles last year. Here is a copy of my latest article.

Make Money Online Canada.


Canada is one country in the world where just about everybody has embraced the internet. Federal and provincial governments have recognized the importance of new technology and most provinces are on track to making high speed available to every household. This development offers a solution to the residents of this vastly rural country that is unprecedented and amazing in it's potential. Let me explain.
Only 50 years ago most Canadians were born and raised on small farms. Families were large and work was scarce in many areas. This created a huge migration from the country to the cities by the baby boomers looking for work. Many relocated from their home province to Ontario were most of the manufacturing was done. Many moved to mining towns such as Thompson Manitoba or Sudbury Ontario. As we've watched our natural resources diminish jobs in traditional industries such as fishing and now lumbering are, and have simply vanished. Recent years have seen this generation migrate to Alberta looking for work and a sustainable way of life. This growth around the cities has created demand for housing and commercial building space that has drawn trades people to meet the demand for construction labour. As rural communities declined populations around the major centres has soared. Nova Scotia is a classic example where the population has hovered around a million people for some years. The population around Halifax Regional Municipality has soared to over 400, 000 as residents move from rural to urban and city dwelling. Construction and development has boomed for 10 years to accommodate this migration of it's own provincial residents. What is the end result of all this and what has it to do with making money online?
I believe most Canadians would rather live in the country or their hometown. I believe we are genetically inclined to be country folk. Canadians are committed to family and this migration has drawn families farther apart. Cities are places where we lock our doors and we do not feel completely safe going out at night. Now no offence to those who love city life. I'm just suggesting a lot of us are only living there because we have to for work. I believe the opportunity is now here for many of us to make a change and have the life we want. This life evolves around a rural or small town lifestyle. We would like our children to be raised in that type of environment. So we could have more time to enjoy them as they grow and learn. That does not mean every one (city and rural alike) can not partake of this opportunity. Financial freedom is wonderful no matter where you live.
Financial freedom quite simply gives you the opportunity to live the life you want. Not the life imposed on you by your employer. (As good as that employer may be.) Good companies are only good because of good employees. However even good companies are utilizing the internet to reduce the number of good employees they need. For example the first industry to embrace technology was banking. One bank in my area has two branches. This bank makes billions in profit each year. Their two branches are open on a rotational basis. Even with billions in profit they are not prepared to staff both branches all week. They can do this because of online banking and ATM machines. I explain this to emphasise the impact of technology. How long before technology make so many good jobs redundant? So how secure is anybodies good job? Only time will tell as technology improves. Have no doubt we haven't seen anything yet. Now to my reason for writing this article.
Canada is the greatest country in the world to live. (In my somewhat biased opinion) We have prospered mainly because of our vast resources and marketing those resources to the world. That era is fast coming to a close as our resources are being depleted at an alarming rate. Just look at lumbering, fishing, steel and now agriculture to name a few. In the years to come those countries that imbrace technology and sell information and products online to the world will be the countries that prosper. Canada in it's wisdom has emerged as a leader by being one of the first countries to provide high speed internet to all of it's residents. Now this opens up the opportunity I've been eluding to. An opportunity for all of Canada's residents. You see the internet is fast becoming the world's market place for just about everything. The internet has no geographical boundries or restrictions. You can have a website in Pugwash Nova Scotia marketing widgets made in China. You can sell the widgets online all over the world and your supplier in China can ship the widget directly to your buyer in Denmark. You can build a business at home and make a good living or a fortune depending on what you want out of life. Now is the time for Canadians to become experts at internet marketing. Now is the time. You have the opportunity. All you lack is the knowledge. That knowledge and training support is readily available. Take control of your future now and have the life you want!! Living where you want!! Canada opportunity is knocking!! All you have to do is open the door.
Larry Matthews
Larry Matthews is a successful entrepreneur and has operated various successful business ventures for the past 30 years.Over his life time has risen from poverty to being a successful business person. He and his wife Peggy have been together since teenagers and his two grown daughters are active in his business along with his wife's sister and her son. Larry has been awarded a certificate of recognition by the local municipal government for 25 years of quality service to the public and a resolution was passed by the government of Nova Scotia recognizing Larry and Peggy for their perseverance and hard work. To learn more about making money online please visit http://makemoneyonlinecanada.info
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