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MORTGAGES

If you have good credit, you will probably shop around and not totally trust your mortgage professional or feel the big banks will assist you best. However if your credit is blemished and you have high interest debt or just going through a crappy time financially, then I want to fight to help you.

Some of the misconceptions people have are the following:

• No one can help me
• I’m embarrassed
• I only want a fixed rate mortgage because I don’t understand how the variable rate works
• I didn’t know there were mortgage strategies like no money down, rent to own, line of credit mortgage, tax deductible mortgage

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INVESTMENTS

Do you want growth, income and security?

Mutual Funds, stocks and bonds are not the only investments out there.

If you’re looking for a quick place to double your money in less than two years then this is not the place for you.

My methods are slow, safe and predictive with a good understanding of what you are invested in and why.

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INSURANCE (Life)

This is my guarantee to you…

You will die at some point and most people don’t know, care or bother with the funeral costs and taxes that have to be paid at death. Loved ones are left with the task and bill.

This doesn’t have to be you. Let’s get talking about what you should consider in planning for your death.[/ezcol_3fifth_end][/ezdiv]

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INSURANCE (Critical Illness)

Are you protected in the event of a critical illness and you survive?

What are the Chances?

• Fire in your home – 1 in 2,726
• Car accident – 1 in 683
• Life insurance claim before age 70 – 1 in 146
• Disability before age 70 for a male – 1 in 14
• Critical illness before age 70 for a male – 1 in 3

Some Illnesses covered:

Alzheimer’s Disease , Aorta Graft Surgery , Aplastic Anaemia , Bacterial Meningitis, Benign Brain Tumour, Benign Spinal Cord Tumour Blindness, Cancer, Cardiomyopathy, Coma, Coronary Artery Bypass, Deafness, Dementia, Heart Attack, Heart Valve Replacement or Repair, Heart Surgery, HIV, Kidney Failure, Liver Failure, Loss of Independence, Loss of Limbs, Loss of Speech Major Organ Transplant, Motor Neurone Disease, Multiple Sclerosis, Paralysis of Limbs, Parkinson’s disease, Hypertension, Severe Burns, Stroke.[/ezcol_3fifth_end][/ezdiv]

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DEBT NEGOTIATIONS

Do you have the following issues?

• Are you having to curse out bill collectors?
• Do you have anxiety in answering your own phone?
• Do you have unmanageable debt or you are thinking of bankruptcy or consumer proposal poor credit?
• Do you owe money to the Government and are afraid of garnishment?
• Do you have liens on your home or have you used Money Mart or similar?

Let us call and negotiate your debts with your creditors! We only get paid if we are able to save you money.

Example: If you owe $10,000 and we negotiate it down to $5,000. We get 10% of the savings or $500.[/ezcol_3fifth_end][/ezdiv]