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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.
The Wealthy Renter offers a clear, unbiased, straightforward approach to the biggest investment most people will ever make — their housing. Written by a top-ranked financial research analyst, it aims to help readers make wise housing decisions that will improve their lives.
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.
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.
A guide to investing basics by the author of Broke Millennial, for anyone who feels like they aren't ready (or rich enough) to get into the market Millennials want to learn how to start investing. The problem is that most have no idea where to begin. There's a significant lack of information out there catering to the concerns of new millennial investors, such as: * Should I invest while paying down student loans? * How do I invest in a socially responsible way? * What about robo-advisors and apps--are any of them any good? * Where can I look online for investment advice? In this second book in the Broke Millennial series, Erin Lowry answers those questions and delivers all of the investment basics in one easy-to-digest package. Tackling topics ranging from common terminology to how to handle your anxiety to retirement savings and even how to actually buy and sell a stock, this hands-on guide will help any investment newbie become a confident player in the market on their way to building wealth.
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.
“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.
A hilarious and satirical look at race relations that is almost too close for comfort, this pseudo-guidebook gives both renters and rentals "much-needed" advice and tips on technique. Reframing actual stories, techniques, requests, and responses gathered from the author's more than 30 years of research and experience, tips are provided in step-by-step outlines for renters to get the most for their money, and how rentals can become successful and wealthy, what they should wear, and topics of conversation to avoid. The book also serves up photo-dramatizations of some of the popular approaches covered in the book, handy tip-boxes, frequently asked questions for renters and rentals, a "How do I know if I'm being rented" quiz, a glossary of important terms, and "quickie" insta-rentals for those who need to rent on the go. Punctuated by quotes from former renters, and featuring rental diaries based on real encounters, this satire shocks and amuses, presenting a strikingly stark mirror of human relationships.
William Scully, an Irishman who was a member of the lesser landed gentry, put his life’s energy into the accumulation of high-quality, low-cost land. He carefully husbanded his inheritance, and in 1850 he traveled to the United States and purchased with personal savings more than 8,000 acres in central Illinois. In 1851 he acquired another 30,000 acres of swampy virgin land. He added to his holdings until, by the late nineteenth century, he had amassed almost 225,000 acres of fertile farm land in Illinois, Kansas, Missouri, and Nebraska, and had become an absentee, alien landlord to some 1,500 tenants. Meanwhile, Scully was involved in lawsuits and violent landlord-tenant confrontations over his Irish holdings, which exceeded 2,000 acres. In one skirmish with his tenants Scully was severely wounded and two of his party were killed. Public remonstrance against Scully’s actions brought his name into notoriety throughout Great Britain. To handle his huge estate in America, Scully employed agents who were strategically located near his land. He inaugurated formal leasing procedures, insisting on elaborate controls: cash rentals, one-year leases, tenant-owned improvements, and soil conservation measures—all unusual for the time. Agitation against his practices as an absentee landlord in the 1880s and 1890s was widely covered in newspapers of the times. Because Scully used crop liens and court action to protect his rights, he was widely denounced for his disregard for his tenants’ welfare. State legislation designed to limit acquisition and inheritance of land by aliens finally forced Scully to gain American citizenship in 1900, six years before his death. Homer Socolofsky’s biography of Scully, the product of more than thirty years of research, provides a narrative and analysis of Scully’s activities as an investor in both Ireland and the United States. It is based on numerous archival and newspaper sources never before analyzed in published works, including private business records of the Scully estate, as well as Socolofsky’s interviews with Scully tenants. Socolofsky traces the acquisitions that led to Scully’s vast wealth, stressing the landlord’s strong will and determination and his unique methods of management. He looks closely at the charges against Scully on both sides of the Atlantic and describes Scully’s court fights and other confrontations with his tenants. Finally, he follows the inheritance of Scully’s multi-million dollar estate from Scully’s death to the present. Scully’s colorful career provides a unique opportunity for studying the economics and politics of land use in this country during the nineteenth century. This volume moves beyond biography to encompass an important segment of the business and agricultural history of the American Midwest.
In every major city in the world there is a housing crisis. How did this happen and what can we do about it? Everyone needs and deserves housing. But today our homes are being transformed into commodities, making the inequalities of the city ever more acute. Profit has become more important than social need. The poor are forced to pay more for worse housing. Communities are faced with the violence of displacement and gentrification. And the benefits of decent housing are only available for those who can afford it. In Defense of Housing is the definitive statement on this crisis from leading urban planner Peter Marcuse and sociologist David Madden. They look at the causes and consequences of the housing problem and detail the need for progressive alternatives. The housing crisis cannot be solved by minor policy shifts, they argue. Rather, the housing crisis has deep political and economic roots—and therefore requires a radical response.