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[:en]The Art of Cashflow[:fr]L'Art du Cashflow[:]

[:en]The Art of Cashflow[:fr]L’Art du Cashflow[:]

[:en] I know that crunching numbers and following your expenses doesn’t sound so fun… at all. But let me tell you that it is a part a your health routine (a super important one). During the pandemic, we’ve seen a lot of people getting interested about finance and real estate investment; And I feel that more people start to realize that money is simply a tool. It is not about how much you earn……

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Louer ou acheter ? La réponse pourrait vous surprendre...

Louer ou acheter ? La réponse pourrait vous surprendre…

La question de savoir si vous devez louer ou acheter votre appartement ou votre maison est répondue par la finance. Face à deux options A et B, comment allez-vous savoir lequel est le meilleur ? Cela dépend de votre situation… Nous entendons souvent dire que lorsque vous avez besoin de prendre une décision importante, vous devez prendre un morceau de papier et écrire le pour et le contre dans…

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Oui au budget... mais qu’en est-il du "cashflow" ?

Oui au budget… mais qu’en est-il du "cashflow" ?

Nous avons tous besoin d’avoir et de nous faire un budget afin de gérer les finances personnelles (comme toute entreprise le ferait); Alors oui au budget… mais qu’en est-il des flux de trésorerie ? Qu’en est-il de l’argent réel à la banque? Et le calendrier des paiements et des entrées d'argent ? La gestion des flux de trésorerie (cashflow) est aussi importante sinon plus… L’argent est ROI !…

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Black, White & Bamboo Bathroom Remodel

Black, White & Bamboo Bathroom Remodel

Okay, so as you may know, we decided to buy a triplex because we simply had no money… and the bank wouldn’t allow us to buy a house. So we had to rent 2 units… and become knowledgeable landlord really fast… We made the mistake most of newbies would… and we didn’t made any credit or reference check on the tenants we took in. This is the reason why a bathroom remodel was no option at this point,…

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How to choose the right Investment for your TFSA or Roth IRA ?

How to choose the right Investment for your TFSA or Roth IRA ?

Tax season is coming and you might want to invest in a TFSA (Canada) or Roth IRA (USA). These accounts are great because they use the power of 2 things: Compound Interest and Tax Free Profit. Here’s an article about how to choose and select the right ETF, Mutual Fund and Stock according to your profile. What is the difference between a Stock, an EFT and a Mutual Fund ? The acronym stands for…

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6 Personal Finance Spending Mistakes

6 Personal Finance Spending Mistakes

There are simple ways to avoid personal finance spending mistakes. Follow these simple rules to stop being broke (or not become) and how you can build wealth instead. I was reading last week about Robert Kiyosaki’s book: Rich Dad Poor Dad Guys. I found it bittersweet I have to say… First it was refreshing to hear something clear and true about the reality of finance and how the wealthiest…

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Rent or Buy ? The answer might surprise you...

Rent or Buy ? The answer might surprise you…

The question to know if you should rent or buy your apartment or home is answered by finance. Facing two options A and B, how are you going to know which one is better ? It depends on your situation… We often hear that when you need to make an important decision you need to take a piece of paper and write down the pro and cons in two separate columns. This exercise help us to have a clear…

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The problem with Trump Tax Return is not what you think it is

The problem with Trump Tax Return is not what you think it is

Tax planning and credit deductions is at the core of a good tax declaration. The problem with Trump tax return is not what you think it is… It is simply legal to plan your taxes and pay less by using the available credit deductions and fiscal laws. I’m not talking about what is the “right thing to do” or what credit the government should create. Even if fiscal politics are not perfect, it is…

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9 DIY Home Projects to Increase Property Value, Rent or Just for You!

9 DIY Home Projects to Increase Property Value, Rent or Just for You!

Decoration is not everything… (but it might just be exactly what you need!) When you want to sell your property at a higher price you need to “home stage” the place before the visits. While it will never replace a complete remodel or renovation project, you might want to get together a quick solution to increase value… or just have better DIY Decoration in your apartment. My recommendation:…

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How to Make Money on the Stock Market

How to Make Money on the Stock Market

The stock market is an intimidating beast… When you know nothing about it, you could think that it is difficult to understand. In fact, it is only a lot of work, reading, analysis… and speculations. Here’s an article about how to make money on the stock market. Demystifying the whole thing for beginners and/or people that are uninterested in finance but still need to plan their financial…

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Don't Use More Than 30% of your Credit Card... (if you want a good credit score)

Don’t Use More Than 30% of your Credit Card… (if you want a good credit score)

“Do you authorize me to do a background check on your credit score in order to calculate your rate ?”

We have all said YES to this question (multiple times). Either for big transaction at the bank like getting a mortgage or applying for a credit line; Either to buy a car or even just a cellphone contract…

Do you really know what it all mean ?

Let’s try to break it down and understand…

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First Time Homebuyer Mortgage ? (How to Get It)

First Time Homebuyer Mortgage ? (How to Get It)

Are you thinking about buying a property, but don’t know where to start ? Here is your Step-by-Step Guide on How to get your First time homebuyer mortgage approval here and prepare your financial planning accordingly.

Avoid the Financial Stress

To do that, you need to understand How to Get Your Mortgage Approval & Consider all Initial Cost before you make the move.

First time homebuyers…

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