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hen we think about a trust agreement, we must first consider that property ownership can be divided into legal ownership and beneficial ownership. Legal ownership means the person's name is formally recorded on ownership documents and is recognized publicly or contractually as the owner of the asset or land. Beneficial ownership, on the other hand, refers to the individual who enjoys or utilizes the property, including any financial gains the property creates.

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Although there are no real surprises in the sales stats that came in for August, there are a few items of note. The first involves price. The overall feeling among realtors, and in fact in some reports coming in across the country, is that prices are sliding. But that is not totally accurate.

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The Money Machine Seminar outlines a pretty simple program, which if followed, will assure you of a retirement one day that involves both amassed wealth and a substantial cash flow of passive income. And as you travel along on this journey to prosperity, you will experience several distinct phases.

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Many homeowners—especially those without a mortgage broker—don’t fully understand mortgage penalties. And I get it! Financing a home can be overwhelming. But if you're considering refinancing, selling, making a lump sum payment, or need a way out, read this first.

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Interesting dynamics going on in the real estate market at the moment. Prices, as we expected, are falling as we move into the second half of the year. July at $663,841 is actually down $13,466 from June. A drop in one month of 2%. At the same time, unit sales, which should be falling in lock step with prices are actually on the rise. In fact, July recorded 648 sales across the region. That not only compares favourably with the 529 figure we saw in June. It is actually the strongest month so far this year. Interesting.

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Golf tournaments come in all shapes and sizes. Some are built around prestige. Bragging rights. They have generally a dazzling array of prizes. They provide a showcase to show off skill. Tournaments like the Masters, with a prize ‘table’ of cash in the millions of dollars.

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If you’re interested in buying a vacation home, there is a lot to consider. A good first step to purchasing any vacation home is to think about your 5- and 10-year plan. Will you get enough use out of it?

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