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Planning for a Fulfilling Retirement: Checklist for last 10 years before Retirement
Retirement might appear like a distant dream but requires long term preparation. Becomes paramount in the last 10 years before retirement.
Neil Joseph
Jul 22, 20243 min read
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Making the Most of a Mortgage-Free Retirement
Nearing Retirement and being mortgage-free, you're standing on the threshold of a new chapter in your life, but how do you navigate further?
Neil Joseph
Jul 22, 20243 min read
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Navigating Retirement with a Mortgage: Financial Strategies for Peace of Mind
For many retiring in a mortgage-free home is just a dream. But, with planning and prudent financial decisions, you can still navigate it.
Neil Joseph
Jul 22, 20243 min read
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A Comprehensive Comparison: HELOC vs. Reverse Mortgage vs. Downsizing
Home Equity Line of Credit (HELOC), Reverse Mortgage, and Downsizing are key equity release options available to homeowners in retirement.
Neil Joseph
Apr 15, 20245 min read
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Downsizing Dilemma: Investing in a Bigger Down Payment or Diversifying Proceeds?
Once you've decided to downsize, the question of what to do with the purchase arises. No Mortgage, Small Mortgage or Invest proceeds?
Neil Joseph
Mar 18, 20243 min read
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Achieving Mortgage Freedom: Strategies to Pay Off Your Mortgage Early
Mortgage Freedom is a beacon of financial freedom and security, and with determination and strategic planning, it's entirely achievable.
Neil Joseph
Mar 18, 20243 min read
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10 Signs You have Too Much House
It's fine line between Homeownership and finding oneself caught in a nightmare of overextension. Having Too Much Home can be Real.
Neil Joseph
Mar 16, 20244 min read
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Understanding the Financial Impact: Is Your Home an Asset or a Liability?
The question of whether a home is an Asset, or a Liability has long been debated. However, the answer is not always either or!
Neil Joseph
Mar 16, 20247 min read
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Essential Tips for Managing Financial Strain in Retirement
For many financial strain in retirement can cast a shadow over this period of life. Some practical tips to help make a difference.
Neil Joseph
Mar 16, 20243 min read
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Debunking Misconceptions: Understanding Reverse Mortgages
Notion of considering a reverse mortgage might trigger feelings of failure in retirees. Let's dissect this notion about reverse mortgages.
Neil Joseph
Mar 15, 20243 min read
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What if Interest Rate on Reverse Mortgage Outpaces Price Appreciation Rate?
If interest rate on reverse mortgage outpaces price appreciation rate of the home, borrowers may find themselves facing some tough decisions
Neil Joseph
Mar 13, 20244 min read
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Is It Wise to Have a Mortgage in Retirement?
Should you carry a mortgage into retirement years, or prioritize paying it off before retiring?
Neil Joseph
Mar 12, 20243 min read
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Navigating Reverse Mortgages: A Comprehensive Guide for Canadian Seniors
In an era where financial planning is becoming increasingly complex, reverse mortgages have emerged as a viable option for Canadian seniors.
Neil Joseph
Feb 12, 20246 min read
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Is a Variable Rate Mortgage right for you?
As we deal with the impacts of rising costs, I wanted to revisit the suitability of Variable Rate Mortgages for certain borrowers.
Neil Joseph
Jun 10, 20224 min read
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