The Wealthy Renter

A National Bestseller! Why be house poor when you can rent rich? “Why rent when you can buy?” More than any other, this phrase captures the overwhelmingly unanimous promotion of home ownership to Canadians. Real estate agents, mortgage brokers, family, friends, and even the government promote ownership as a safe, attractive, and sure-fire path to personal wealth. This one-size-fits-all advice ignores the reality of Canada’s housing market. Canadians deserve better advice. Faced with expensive house prices in a near-zero interest rate world, it’s time Canadians heard the virtues of renting and seriously considered renting as an alternative to home ownership. Real estate analyst Alex Avery insists renting offers a simple, more affordable way to live, plus in Canada’s frenzied housing market, going month-to-month is dramatically lower risk. He claims the reputation of home ownership as a wealth building strategy is unfounded and shows renters how to replace bricks-and-mortar with better investment opportunities.

Consider the age-old question of how much you should save to enjoy a comfortable retirement: Are your knees knocking? Are you nervously biting your nails? In The Rule of 30 personal finance expert Frederick Vettese provides a surprising — and hopeful — answer. Through conversations between a young couple and their neighbor, a retired actuary, the couple and the reader discover: • How they would have fared had they been saving over various periods in the past, and how the future investment climate will differ • The problem with saving a constant percentage of pay • The Rule of 30 and why it is a more rational way to save • Whether investing in real estate is a viable alternative to investing in stocks The Rule of 30 changes the mindset from saving the same flat percentage of pay to saving when it is most convenient to your situation. In most cases, it means less saving early on while mortgage payments are high and children are costly, and more saving later. Saving for retirement is a high priority, but it is not the only priority in life. It is time to dispense with old myths like “just save 10% of your take-home pay.” The truth is we should save differently throughout our pre-retirement years — and The Rule of 30 is a road map for doing so.

A newly updated edition for the fast-changing real estate market in Canada! Over the last two decades Canadians have become convinced that real estate is the “safe haven” investment. This widely held belief and obsession with real estate led millions of Canadians to take on massive amounts of debt — tripling their collective financial burden — ensuring that Canada is one of the most indebted nations on the planet. Drawing on dozens of interviews and even more conversations with individual Canadians and couples, this second edition also tackles the economic conditions and regulatory rules that allowed such a dangerous situation to develop in Canada, formerly a nation of conservative and prudent citizens. Hilliard MacBeth argues that Canada is in the midst of an unprecedented real estate bubble and that there will soon be a crash in house prices, triggering a financial crisis. Individual Canadians and families can still take action to protect themselves from the fallout of the bubble bursting — if they act quickly.

“The first personal finance book for the 2020s: expensive housing, BNPL, side hustles, negotiating a raise, and much more. Erica Alini is one of Canada’s top personal finance pros, and this book shows it.” —ROB CARRICK Wrestle debt to the ground. Figure out whether you should rent or buy. And determine if a side hustle is really worth the hassle. Get a job, buy a house, spend less than you make, and retire at sixty-five. That’s advice for a world that has largely disappeared. Even good jobs today often have no guarantee of stability. Home prices have reached the stratosphere. Meanwhile, student debt drags you down just as you're trying to take off in life. To survive and thrive in today’s reality, you need a whole new personal finance tool kit. Personal finance reporter Erica Alini blends the big picture with practical advice to give you a deeper understanding of the economic forces that are shaping your financial struggles and how to overcome them. Packed with concrete tips, Money Like You Mean It covers all the bases: from debt to investing and retirement, plus renting versus buying, and even how to tell whether a side gig is really worth the effort. It’s the essential road map you need to make it in the current economy.

An essential guide to living, working, and retiring in Belize. Totally updated, the second edition of the Business and Retirement Guide to Belize is an easy-to-read guide to investing, owning property, and retiring in Belize. Bob Dhillon, a successful real-estate developer in Belize, introduces the reader to the country, its beauty, its friendly people, and its economic attractions. A tropical paradise with beautiful beaches, accessible rain forest, and lost jungle cities, Belize also has a cost of living that makes it affordable for Canadians, Americans, and Europeans. Whether you are a retiree looking for a beautiful, safe, affordable home, or an investor or entrepreneur seeking an attractive business environment, Belize, with its relaxed investment rules and unbeatable lifestyle, has everything you could want.

An international bestseller published in over thirty countries, this riveting sci-fi dystopic thriller is “a bona fide page-turner.” --MTV.com Callie lost her parents when the Spore Wars wiped out everyone between the ages of twenty and sixty. She and her little brother, Tyler, go on the run, living as squatters with their friend Michael and fighting off renegades who would kill them for a cookie. Callie’s only hope is Prime Destinations, a disturbing place in Beverly Hills run by a mysterious figure known as the Old Man. He hires teens to rent their bodies to Enders—seniors who want to be young again. Callie, desperate for the money that will keep her, Tyler, and Michael alive, agrees to be a donor. But the neurochip they place in Callie’s head malfunctions and she wakes up in the life of her renter. Callie soon discovers that her renter intends to do more than party—and that Prime Destinations’ plans are more evil than she could ever have imagined. . . . Includes Portrait of a Spore, a never-before-published short story that takes place in the world of STARTERS. Praise for STARTERS: “A smart, swift, inventive, altogether gripping story.” —#1 New York Times bestselling author DEAN KOONTZ “Compelling, pulse-pounding, exciting . . . Don’t miss it!” —New York Times bestselling author Melissa Marr “Readers who have been waiting for a worthy successor to Suzanne Collins’s The Hunger Games will find it here. Dystopian sci-fi at its best.” —Los Angeles Times “Intriguing, thought-provoking and addictive.” —BookReporter.com “Readers will stay hooked. . . . Constantly rising stakes keep this debut intense.” —Kirkus Reviews “Fast-paced dystopian fiction. . . . The inevitable sequel can’t appear soon enough.” —Booklist "Intriguing, fast-paced . . . Fans of dystopian novels will be completely engaged and clamoring for the sequel." —School Library Journal “Addictive and alluring.” —Examiner.com “Chilling and riveting.” —Shelf-Awareness.com “A must-read for fans of The Hunger Games and Legend. Fast-paced, romantic, and thought-provoking.” —Justine

Using longitudinal data from the Swiss Household Panel to zoom in on continuity and change in the life course, this open access book describes how the lives of the Swiss population have changed in terms of health, family circumstances, work, political participation, and migration over the last sixteen years. What are the different trajectories in terms of mobility, health, wealth, and family constellations? What are the drivers behind all these changes over time and in the life course? And what are the implications for inequality in society and for social policy? The Swiss Household Panel is a unique ongoing longitudinal survey that has followed a large sample of Swiss households since 1999. The data provide the rare opportunity to go beyond a snapshot of contemporary Swiss society and give insight into the processes in people’s lives and in society that lie behind recent developments.

Investing in Rent-to-Own Property is the distillation of years of investment experience in real estate. It is a both strategy and a system, which provides stable, proven returns for the investor. On the flip side of the coin, the homebuyer is provided a house that fits their needs and budget. Why should an investor have rent-to-own as part of his or her investment portfolio? This book lays out in clear detail the benefits of rent-to-own and how to get started with a rent-to-own strategy. Loaded with tips and case studies, here are the core components of the system: How to identify properties How to carry out due diligence Smart financing strategies How to market your system and attract interested tenants-homebuyers How to identify and choose tenants-homebuyers The rent-to-own contract Obligations of the investor to the tenant-homebuyer Obligations of the tenant-homebuyer to the investor The team of experts: agent, lawyer, lender, home inspector, accountant Exit strategies There are many singles and couples who for a variety of reasons opt for a rent-to-own opportunity. For some it's an opportunity to check out a location for a couple of years so that they're certain it's the house and neighborhood they want for the long-term; for others it's the desire to own a home but need to grow their down payment-having a nice home while they save is a terrific option. The expertise of the investor in identifying the right property and providing the right financing is another significant aspect for the tenant-homebuyer. The benefits for the investor are many: a solid property in an area where the fundamentals are strong; great tenants who respect the property; a profitable investment even with a downturn in the market. Investing in Rent-to-Own Property is the quintessential tool for investors who have yet to take advantage of a proven money-maker or for those investors who want the benefit of a proven system to build their portfolio.