Ça m'intéresserait mes je suis a Montréal pour l'été,merci pour l'offre ,les logements ce loue pour Juillet a Montréal,donc j'ai due me bouger un peu
Au plaisir
Booker
Buying investment properties ?Or stock Market?
- Thread starter BookerL
- Start date
Ça m'intéresserait mes je suis a Montréal pour l'été,merci pour l'offre ,les logements ce loue pour Juillet a Montréal,donc j'ai due me bouger un peu
Au plaisir
Booker
Hello all
http://www.vancouversun.com/increas...se+historically+high+rate/11575186/story.html
Realestate investment in a Booming market
Tax increase likely as assessed values of detached houses in B.C. rise at historically high rate
Early-warning letters sent to homeowners up 55 per cent from 2014
VANCOUVER — BC Assessment is sending a “significantly higher” number of early notification letters informing homeowners to expect a 2016 assessment that is at least 15 per cent above the average increase in their area.
Last year, BC Assessment sent between 20,000 to 24,000 of these letters. This year, it is sending out about 37,000, an increase of more than 55 per cent.
More than 65 per cent of the letters will be received by owners of single-family homes located within 20 to 30 minutes of Vancouver, including the North Shore, Burnaby, Tri-Cities, New Westminster, Richmond and Surrey.
“Taxes for the folks getting the letters are likely to go up,” said BC Assessment regional assessor Jason Grant.
“We send out these letters every year and we are sending out more this year to start the conversation early (about significant increases in home value). If people have any questions about how we put together the information, they can contact us.”
All of this comes as expected averages for 2016 assessments are rising more quickly and higher than they have in recent years.
It’s been a while since assessments last moved by as much as 15 to 25 per cent, said Grant, who has been in the position for 11 years and has worked for BC Assessment for almost 25 years. He can remember only two or three times when assessments have risen by this much in a year.
“It’s the most significant single-family home market in many years. I’d have to go back to the early 1980s and in the mid-2000s.”
The largest number of the letters, over 8,600, are being sent to homeowners in Vancouver, followed by 7,180 in Burnaby, 1,891 in Richmond and 1,386 in Surrey.
“There are more outliers this year,” said Grant. “There are more pockets in (these) neighbourhoods that are moving more than the expected averages.”
Exactly what is driving these mini-spikes is hard to pin down without knowing exactly which homeowners on which streets and corners will receive the letters. There are dozens of variables that affect sale prices.
Cameron Muir, chief economist at the B.C. Real Estate Association, said the higher number of letters being sent to property owners in Burnaby reflects “upward pressure (on the single-detached market there) because of its relative value, compared to some other markets, and as a result, you saw a little stronger increase, likely, in that marketplace.”
The finalized assessments, which will be released on Jan. 4, 2016, will reflect values as of July 2015.
Many single-family home markets have moved upward very quickly in the months since then, Grant said.
For example, a quick scan of 17 comparable west side Vancouver homes — all about 4,000 square feet and on 120-by-33-foot lots, located within an area of six blocks between West 18th Avenue and West 24th Avenue — shows an increase in sale prices of 36 per cent between January and November 2015, to about $2.6 million from about $2 million.
Looking at a set of specific examples of typical houses, BC Assessment found the highest percentage change in assessed value for a single-family home on a 33-foot lot in East Vancouver. Built in 1983, the property rose 28 per cent in assessed value, to $1.267 million in July 2015 from $993,000 in July 2014.
The most modest increase on BC Assessment’s list of typical homes was found for a single-family home in South Surrey. Built in 1981, it rose 10 per cent to $789,000 from $716,000.
By comparison, values in the rest of the province are “less dramatic,” in the zero- to 10-per-cent range. Typical strata residential increases saw rises in the five- to 10-per-cent range.
Cheers
Booker
http://www.vancouversun.com/increas...se+historically+high+rate/11575186/story.html
Realestate investment in a Booming market
Tax increase likely as assessed values of detached houses in B.C. rise at historically high rate
Early-warning letters sent to homeowners up 55 per cent from 2014
VANCOUVER — BC Assessment is sending a “significantly higher” number of early notification letters informing homeowners to expect a 2016 assessment that is at least 15 per cent above the average increase in their area.
Last year, BC Assessment sent between 20,000 to 24,000 of these letters. This year, it is sending out about 37,000, an increase of more than 55 per cent.
More than 65 per cent of the letters will be received by owners of single-family homes located within 20 to 30 minutes of Vancouver, including the North Shore, Burnaby, Tri-Cities, New Westminster, Richmond and Surrey.
“Taxes for the folks getting the letters are likely to go up,” said BC Assessment regional assessor Jason Grant.
“We send out these letters every year and we are sending out more this year to start the conversation early (about significant increases in home value). If people have any questions about how we put together the information, they can contact us.”
All of this comes as expected averages for 2016 assessments are rising more quickly and higher than they have in recent years.
It’s been a while since assessments last moved by as much as 15 to 25 per cent, said Grant, who has been in the position for 11 years and has worked for BC Assessment for almost 25 years. He can remember only two or three times when assessments have risen by this much in a year.
“It’s the most significant single-family home market in many years. I’d have to go back to the early 1980s and in the mid-2000s.”
The largest number of the letters, over 8,600, are being sent to homeowners in Vancouver, followed by 7,180 in Burnaby, 1,891 in Richmond and 1,386 in Surrey.
“There are more outliers this year,” said Grant. “There are more pockets in (these) neighbourhoods that are moving more than the expected averages.”
Exactly what is driving these mini-spikes is hard to pin down without knowing exactly which homeowners on which streets and corners will receive the letters. There are dozens of variables that affect sale prices.
Cameron Muir, chief economist at the B.C. Real Estate Association, said the higher number of letters being sent to property owners in Burnaby reflects “upward pressure (on the single-detached market there) because of its relative value, compared to some other markets, and as a result, you saw a little stronger increase, likely, in that marketplace.”
The finalized assessments, which will be released on Jan. 4, 2016, will reflect values as of July 2015.
Many single-family home markets have moved upward very quickly in the months since then, Grant said.
For example, a quick scan of 17 comparable west side Vancouver homes — all about 4,000 square feet and on 120-by-33-foot lots, located within an area of six blocks between West 18th Avenue and West 24th Avenue — shows an increase in sale prices of 36 per cent between January and November 2015, to about $2.6 million from about $2 million.
Looking at a set of specific examples of typical houses, BC Assessment found the highest percentage change in assessed value for a single-family home on a 33-foot lot in East Vancouver. Built in 1983, the property rose 28 per cent in assessed value, to $1.267 million in July 2015 from $993,000 in July 2014.
The most modest increase on BC Assessment’s list of typical homes was found for a single-family home in South Surrey. Built in 1981, it rose 10 per cent to $789,000 from $716,000.
By comparison, values in the rest of the province are “less dramatic,” in the zero- to 10-per-cent range. Typical strata residential increases saw rises in the five- to 10-per-cent range.
Cheers
Booker
Sincèrement je pense que nous sommes dans la partie du marché immobilier, ça risque de baisser avant longtemps.
La Bourse, j'ai perdu près de $200K mais j'avais investi dans des titres très risquées.
L'or me semble également trop haut.
Peut-être l'immobilier aux USA, ou au Costa-Rica.
MDF69
La Bourse, j'ai perdu près de $200K mais j'avais investi dans des titres très risquées.
L'or me semble également trop haut.
Peut-être l'immobilier aux USA, ou au Costa-Rica.
MDF69
Peu importe l'investissement que l'on fait le produit que l'on choisi ,il faut quand bénéficier de connaissance dans le milieux au moins y avoir accès,ca peu éviter de grosse perte
Au Plaisir
Booker
ROFL... Quoi?!?!?? :lol:
If you are a part of the vast majority who subscribes into that Warren Buffett/Benjamin Graham Buy and Hold Value Investing crap I feel for you! Given how fast things happen nowadays/globalization/our interconnected economies, holding onto overnight risk(s) you are practically a gambler. Also many are not cut out to put their money into the Markets. Given how volatile the world is actually I feel more safe dealing with a deck of cards!
Stocks are for suckers. The ones who are making the money is the broker and his/her firm. Yet even that is not guaranteed given how cheap commissions are nowadays. Paying some thirty cents for a round lot transaction was totally unheard of years ago but today you can.
Excuse-moi si je ne réponds pas en anglais... je veux juste m'exprimer plus clairement. J'espère que tu pourras comprendre ce que je dis car tu te trompes royalement!
Tu sembles mettre TOUS les titres dans le même paquet et c'est vraiment là que tu te trompes. Quelqu'un qui comprend comment la bourse fonctionne peut très bien réussir à se créer un magot. Tu vas prendre un "gamble" si tu investis n'importe où. Mais si tu fais des recherches et tu sais prévoir certains cycles, ce n'est vraiment pas un jeu de devinettes.
Regarde le plus gros TFSA au Canada... Avec un investissement de 41 000$ sur répartis sur 6 années, le gars détient aujourd'hui un portefeuille non-imposable de plus de 500 000$. Et il n'a pas été gambler... Il a juste fais ses devoirs.
http://www.lactualite.com/lactualite-affaires/les-plus-gros-celi-au-canada/
LOL. I was a stock broker (ahem nowadays called financial adviser) for some eight years at two major financial houses in the U.S. before I went to trade my own money at a prop firm then quit that too to become a professional "gambler." You just don't know the kinds of sugar coated bullshit that is touted in your typical research department at any brokerage/investment bank or whatever. To add insult to injury the majority of the general public eats it up like gospel.
The concept of getting X in some future date by putting in Y now is the investment/banking industry's way of locking in your money so they can butt rape you with fees. Think of all those folks who socked in of years of hard earn money into their retirement accounts pre-2008. Many who went into retirement between 2008 to 2010 and had to take out money from their retirement accounts saw more than 50% drop in their portfolios. Or all those folks who worked at Lehman Bros or Bear Stearns who tied a majority of their retirement money into their companies stock.
Of course there are folks who made money in the Markets. Yet they are a small minority. http://www.jamesaltucher.com/2012/03/who-makes-money-on-wall-street/. I was in the last category. Charging that 1.5% to 2% whether your portfolio was up or down was pretty damn sweet. But after a while I got sick of the bullshit. My compliance department got on my case a few times on the stocks that I picked that did pretty well but were not on their recommended list and/or had some sort of investment banking relationship with them. Those stocks recommended by my firm either never moved which was the best case scenario or in most cases dropped below their recommended or IPO price. I remember one when my firm was a part of an IPO for a breast implant company. After the IPO the factory mysteriously got burned down a few months later. The stock tanked some 80 percent. WTF. My manager got on my case for not recommending the stock because the firm had a major interest in its distribution to all those gullible "investors" out there.
I also went the black box micro second trading route. That was awesome too trying to find opportunities within the Market's inner plumbing. It was a real eye opener to say the least. The experience there showed how fragile the Market has really become. Everything works so fast dependent on an infrastructure we don't truly understand and if something goes wrong that wrong gets multiplied and stacked up leading to other issues.
http://www.jamesaltucher.com/2011/04/10-reasons-you-should-never-own-stocks-again/
And this so-called rise in the stock market for the past few years? It's a freaking lie. It was all propped up by cheap money with all that quantitative easing across the board around the world. Wait until all that deleveraging taking affect and interest rates start to rise. For instance with the ease and full stop of QE the U.S. DJIA never hit and surpassed 18,000 for the past five months!
Yeah there is Apple, Google, Amazon, Intuitive Surgical and a few others that are worthy investments but the majority of the stocks out there you are no better than that guy at the roulette table. Also yeah Chipotle is a great stock to own for instance. Until that E-coli scare hit the stock recently. Unless you got some crystal ball you really don't truly know what you are doing since we are all programmed to overreach without any safeguards.
What I am saying may fall on deaf ears and that is fine. Hey it is your money and you can do what the hell you want with it.
The concept of getting X in some future date by putting in Y now is the investment/banking industry's way of locking in your money so they can butt rape you with fees. Think of all those folks who socked in of years of hard earn money into their retirement accounts pre-2008. Many who went into retirement between 2008 to 2010 and had to take out money from their retirement accounts saw more than 50% drop in their portfolios. Or all those folks who worked at Lehman Bros or Bear Stearns who tied a majority of their retirement money into their companies stock.
Of course there are folks who made money in the Markets. Yet they are a small minority. http://www.jamesaltucher.com/2012/03/who-makes-money-on-wall-street/. I was in the last category. Charging that 1.5% to 2% whether your portfolio was up or down was pretty damn sweet. But after a while I got sick of the bullshit. My compliance department got on my case a few times on the stocks that I picked that did pretty well but were not on their recommended list and/or had some sort of investment banking relationship with them. Those stocks recommended by my firm either never moved which was the best case scenario or in most cases dropped below their recommended or IPO price. I remember one when my firm was a part of an IPO for a breast implant company. After the IPO the factory mysteriously got burned down a few months later. The stock tanked some 80 percent. WTF. My manager got on my case for not recommending the stock because the firm had a major interest in its distribution to all those gullible "investors" out there.
I also went the black box micro second trading route. That was awesome too trying to find opportunities within the Market's inner plumbing. It was a real eye opener to say the least. The experience there showed how fragile the Market has really become. Everything works so fast dependent on an infrastructure we don't truly understand and if something goes wrong that wrong gets multiplied and stacked up leading to other issues.
http://www.jamesaltucher.com/2011/04/10-reasons-you-should-never-own-stocks-again/
And this so-called rise in the stock market for the past few years? It's a freaking lie. It was all propped up by cheap money with all that quantitative easing across the board around the world. Wait until all that deleveraging taking affect and interest rates start to rise. For instance with the ease and full stop of QE the U.S. DJIA never hit and surpassed 18,000 for the past five months!
Yeah there is Apple, Google, Amazon, Intuitive Surgical and a few others that are worthy investments but the majority of the stocks out there you are no better than that guy at the roulette table. Also yeah Chipotle is a great stock to own for instance. Until that E-coli scare hit the stock recently. Unless you got some crystal ball you really don't truly know what you are doing since we are all programmed to overreach without any safeguards.
What I am saying may fall on deaf ears and that is fine. Hey it is your money and you can do what the hell you want with it.
Ahahahaha... Yes, what Titilleur said, I agree.
So what do you propose people do with their money instead, Numerati? Hide it in a pillow and let inflation work its magic?? :lol: Invest in real estate? Because there's no risk there! No quick and easy way to build wealth. You have to risk money to make money. No such thing as free money. The market is relatively efficient. Taking advantage of that little bit of inefficiency and/or being smarter yields you a tiny bit of alpha, and that's all one needs to be wildly successful. Otherwise, it's just beta, baby. Risk risk risk. How much intelligent risk can you take? If you don't have the brains or the time to be smart about a market (tech, telecom, biotech, industrials, retail, CPG, whatever it is you're good at), then invest in an index fund. I would bet on America. Good old Uncle Sam will be just fine, and I would get a steady CAGR over many years. No, I will not grow my money 20% every year, but that's just stupid expectations anyways for the average person. Invest, keep investing and let compounding work its magic.
As for your point about stockbrokers... Yes, zero risk there. But as you yourself pointed out, those margins are becoming smaller and smaller. Only fish rely on their brokers for all their financial decisions. Really dumb fish. In the end, brokers are just like used car salesmen. Albeit ones with large expense accounts to wine and dine the fish. But salesmen nonetheless. Wind them up, and wheeeeeeeee, watch them go. Mindless. :nod: Woe to those that believe the bullshit, they get what they deserve.
Or... maybe we should just empty out all our savings accounts and spend it on SPs. Was that what you were suggesting?? :lol: :lol:
So what do you propose people do with their money instead, Numerati? Hide it in a pillow and let inflation work its magic?? :lol: Invest in real estate? Because there's no risk there!
No quick and easy way to build wealth. You have to risk money to make money. No such thing as free money. The market is relatively efficient. Taking advantage of that little bit of inefficiency and/or being smarter yields you a tiny bit of alpha, and that's all one needs to be wildly successful. Otherwise, it's just beta, baby. Risk risk risk. How much intelligent risk can you take? If you don't have the brains or the time to be smart about a market (tech, telecom, biotech, industrials, retail, CPG, whatever it is you're good at), then invest in an index fund. I would bet on America. Good old Uncle Sam will be just fine, and I would get a steady CAGR over many years. No, I will not grow my money 20% every year, but that's just stupid expectations anyways for the average person. Invest, keep investing and let compounding work its magic.As for your point about stockbrokers... Yes, zero risk there. But as you yourself pointed out, those margins are becoming smaller and smaller. Only fish rely on their brokers for all their financial decisions. Really dumb fish. In the end, brokers are just like used car salesmen. Albeit ones with large expense accounts to wine and dine the fish. But salesmen nonetheless. Wind them up, and wheeeeeeeee, watch them go. Mindless. :nod: Woe to those that believe the bullshit, they get what they deserve.
Or... maybe we should just empty out all our savings accounts and spend it on SPs. Was that what you were suggesting?? :lol:
:lol:wolfie....
There are tons of ways to make money consistently with a much better return with risk contained. It requires tons of hard work and actually get your feet wet and not some something for nothing that you seem to be seeking by participating in the Markets. Hey if you think stocks will give you the best bang for your buck be my guest. The majority of the people who invest in the equity markets don't make money anyways. Hey I really hope you are making $$$ because SPs need to pay the rent.
There are tons of ways to make money consistently with a much better return with risk contained. It requires tons of hard work and actually get your feet wet and not some something for nothing that you seem to be seeking by participating in the Markets. Hey if you think stocks will give you the best bang for your buck be my guest. The majority of the people who invest in the equity markets don't make money anyways. Hey I really hope you are making $$$ because SPs need to pay the rent.
Anyone who touts they know how the stock market works have no idea how the stock market works. Most folks who do the research are reading manipulated fluff.
http://fortune.com/2015/10/29/ackman-pershing-valeant/ Bill Ackman is "smart" money. He has more resources than you and most likely do much more homework than you. He also fell for the manipulated fluff piece about the company. This is just one example.
Bullshit marketing fluff. It is like a casino touting those rare folks who rock some one in a million slot jackpot. With one "successful" investor there are 100 behind this guy who has an under the water portfolio.
La plupart des "stock brokers" abandonnent quand ils ne sont pas capables d'appliquer leurs propres façons de penser et qu'ils se rendent compte que leurs clients sont plus riches qu'eux... C'est la différence entre la théorie et la pratique. Fais ce que je dis, pas ce que je fais... Ta réponse suggère que c'est ce qui t'est arrivé.
"Follow the leaders"... Si tu vois un gars qui réussit, suis-le... C'est aussi simple que ça.
Comme dans n'importe quoi, finalement... Même au poker. Si tout le monde gagnait la moitié de ses matchs, il n'y aurait pas de millionnaires au poker.
Dans l'immobilier, on entend toujours le gars qui a acheté un immeuble à bas prix et qui l'a revendu 3 fois sa valeur 5 ans plus tard. Mais pour chacun de ces gars-là, il y en a 500 ou 600 qui voient leurs bâtisses prendre 2% par année après les frais fixes. Si tu veux parler d'une crosse, c'est de l'immobilier qu'il faut parler... Les gens oublient qu'ils ne font pas une cenne avec la maison qu'ils habitent.
Donc, en DEUX phrases, c'est quoi TA solution?
Melyssa,.. je suis désolé, mais c'est une légende urbaine... La croissance moyenne de la valeur d'une propriété, après toutes les dépenses, est environ 2% par année. Je ne parle pas de court terme...
Sur 30 ans, tu es presque mieux de louer un appartement et d'investir la différence...
Dans l'immobilier, tu fais de l'argent sur un LOT de batisses... Il faut acheter et vendre fréquemment. Mais surtout ne pas habiter la batisse que tu veux vendre.
La demeure que tu habites est celle qui te coutera le plus cher... Mais tu vas acheter une qualité de vie. Ça, ça n'a pas de prix.
Petite lecteur de chevet pour t'aider: http://www.brassardgouletyargeau.com/publications/livre_chez_moi.aspx.
Je ne crois pas aux recettes miracles pour faire de l'argent. Je me méfie beaucoup de ces gens qui tentent de me faire croire que ça existe et que c'est leur façon.
Ne jamais rien faire pour l'argent est en fait la seule recette miracle en fait.
Si tu achètes plein de bâtisses, fais-le car tu tripe sur l'immobilier et pas car tu veux faire de l'argent et si tu tripes sur l'immobilier tu vas faire de l'argent.
Si tu tripe sur l'informatique, enfermes-toi dans le sous-sol de tes parents et développe des logiciels et si tu es vraiment un tripeux d'informatique, tu vas faire beaucoup, beaucoup d'argent.
Dans la vie, il y a des joueurs qui ne font rien pour l'argent et qui en ont et il y a des pions qui font tout pour l'argent et qui n'arrivent pas à payer leur loyer.
Ne jamais rien faire pour l'argent est en fait la seule recette miracle en fait.
Si tu achètes plein de bâtisses, fais-le car tu tripe sur l'immobilier et pas car tu veux faire de l'argent et si tu tripes sur l'immobilier tu vas faire de l'argent.
Si tu tripe sur l'informatique, enfermes-toi dans le sous-sol de tes parents et développe des logiciels et si tu es vraiment un tripeux d'informatique, tu vas faire beaucoup, beaucoup d'argent.
Dans la vie, il y a des joueurs qui ne font rien pour l'argent et qui en ont et il y a des pions qui font tout pour l'argent et qui n'arrivent pas à payer leur loyer.
Salut Titilleur
Cela est vrai dans tout ,peu de gens arrive a faire de l'argent peu importe le milieux .
L'immobilier est le seul endroit par contre ou les banques vont prester jusqu'a 80 % de la valeur .
C'est habituellement beaucoup mieux que sur une
"debenture ".
Pour l'immobilier je possède moi même un parc ,autant au Quebec quand Colombie-Britannique .
Je suis d'accord a dire que le succès n'est pas garantie par contre si tu connais bien les lois fiscale ainsi que les lois de la Régie au Québec tu peu sortir de gros gain en capital sur les petits plex 3 a 6 logements .
Les chiffres varie selon la compétence ou incompétence ,pas uniquement a cause du marcher .
Le problème dans l'immobilier est que tu risque de trainer l'erreur longtemps ,cela du au fait du droit au maintient dans les lieux du locataires ,mais seulement au Québec ce n'est pas le cas en C-B
Au Plaisir
Booker
I think I've helped plenty of SPs pay the rent...
:lol: So, yeah, I guess I'm doing something right...I never said investing in stocks is something for nothing. In fact, it's the exact opposite of what I stated. If one is going to listen to the advice of a stock broker, and that's it - that's something for nothing. I'm talking about investing in a space you know well and can understand deeply, and to regularly make an effort to stay up to date on that particular market. That is not something for nothing. That is in fact a lot of work, another hobby, if you will, unto itself.
Similar threads
