What is the biggest challenge prospective borrowers face these days. The answer to that question is ‘knowing what is required’.

I do not simply mean knowing which documents to have ready, instead it runs much deeper, in particular for clients with investment properties or those that are running their own business.  There are key steps that a self employed applicant needs to be taking today to ensure a smooth purchase or refinance transaction as far out as three years from now…..

Click Here to read the complete article.

Dustan Woodhouse is a mortgage consultant with Dominion Lending. Dustan will be presenting a Personal Finance workshop at the 2013 World Outlook Financial Conference in February.

www.dustanwoodhouse.ca

Who Won the “First Lady Debate”?

In this weeks show Michael addresses the Major Trend and  the impact the US Election will have on Investment Portfolios. He interviews Danielle Park on Stocks and your Investment Portfolio, Bob Hoye on Interest Rates, and  Kevin Konar on Fixed Income.

First, Michael sets the stage by predicting a Peak:

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Danielle Park of Juggling Dynamite

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Bob Hoye of Institutional Advisors

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Kevin Konar of RBC Dominion

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The Whole November 10th Money Talks Show:

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Author Peter Schiff has helped reassure me that I haven’t been taking crazy pills. President and chief global strategist of broker-dealer Euro Pacific Capital, Schiff is also the man who argued face-to-face with the Occupy Wall Street protestors in Manhattan’s Zuccotti Park, telling them — in part, at least — that they had a right to be angry.

Such perspectives help inform this wide-ranging and highly readable tome. For those who dismiss Schiff as an eccentric investor who “got lucky” with his now-famous prediction of the housing collapse, The Real Crash showcases a writer and analyst with a clear hold on sanity, who nonetheless has an unsettling message to convey.

“Whenever people credit me with calling the crash,” he declares at the outset, “it pains me to tell them that what they saw in 2008 and 2009 wasn’t the crash — that was a tremor before the earthquake. The real crash is still coming.”

Like many economists in the Austrian School — associated with thinkers like Ludwig von Mises and Nobel laureate F.A. Hayek — he author blames the housing bubble largely on the Federal Reserve. He acknowledges that government-sponsored agencies Fannie Mae and Freddie Mac and related interventions were contributing factors. But he thinks these alone can’t explain the size of the bubble.

…..click on the image or read more HERE