Neil Joseph
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.
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Neil Joseph
Jul 223 min
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?
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Neil Joseph
Jul 223 min
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.
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Neil Joseph
Apr 155 min
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.
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Neil Joseph
Mar 173 min
Understanding the Opportunity Cost of Homeownership
While homeownership comes with different advantages, it's crucial to grasp opportunity costs inherent in this decision and balance tradeoffs
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Neil Joseph
Mar 163 min
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.
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Neil Joseph
Mar 163 min
Transform Your Mortgage into a Wealth-Building Tool
Loan Conversion leverages the tax-deductibility of investment loans to accelerate payoff of mortgage while building wealth at the same time.
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Neil Joseph
Mar 153 min
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.
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Neil Joseph
Mar 134 min
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
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Neil Joseph
Mar 123 min
Is It Wise to Have a Mortgage in Retirement?
Should you carry a mortgage into retirement years, or prioritize paying it off before retiring?
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Neil Joseph
Mar 52 min
Navigating Your Mortgage Renewal: Best Practices for Homeowners
Mortgage Renewal is an opportunity to restructure your mortgage without penalty but also has potential long term financial implications.
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Neil Joseph
Feb 283 min
House Hacking: Is this the way to Affordable Homeownership?
In today’s era where homeownership seems like an unattainable dream for many Canadians, the concept of "house hacking" is a beacon of hope.
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