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Antonia 2

this is part of a photo series i’ve been working on since 2011. it is a collection of photographs of badass women involved in metal, hardcore and the borderline metal/punk/avant-garde worlds. these are the people who make up the music scene. these are my friends.

Re-meet Antonia McMaster. We did this song-and-dance three years ago but decided to have a reshoot so we can talk about a mud-covered Trent Reznor.

What was your first metal experience?
Antonia McMaster: I think Opeth was the first band to really get me into metal. I remember having a particularly strong reaction to the song, “Black Rose Immortal.” I honestly think what struck my teenage brain was just how joyous I found their music to be. The riffs have almost a jig-like quality, and the melodrama of the lyrics endeared me to them. This maybe sounds patronizing, but I don’t mean it to be! I mean to say that Opeth is a fitting first metal band because metal (I guess I should say black metal in particular) was never the music I listened to when I needed to feel like I was identifying with something dark. That has since changed, but not by a whole lot. Nowadays Katatonia, Dissection, Rotting Christ…that shit makes me feel happy!

I should also say that my first ever experience with heavy music was watching Trent Reznor slathered in mud at Woodstock ’94. My mom, brother and I visited family in CA while my dad stayed behind in NYC to work. So he Pay-Per-Viewed (remember Pay-Per-View?) the whole concert and recorded it on multiple VHS tapes. I remember watching NIN and being totally transfixed. The guy was hitting himself in the head with his microphone! Multiple times! I’m not going to wax poetic on what I thought about all of it at age 6, but I’ll just say it had an effect on me. I remember seeing the music video for “Closer” after that and being very disappointed that he had black hair (I figured it was brown, but that was just the Woodstock mud).

When did you decide to become a doctor? What lead you to the field of therapy / psychiatry?
AM: I’m getting a PhD in Clinical Psychology, so I’ll have the doctor title, but I won’t be a medical doctor/psychiatrist. I just wanted to clarify that because I do not think I could handle medical school, nor would I want to have someone come to me just for medication management (as a lot of people do when they go to a psychiatrist). Anyway, I’ve been in therapy since I was sixteen with the same psychologist (she’s actually a graduate of my doctoral program), so I’ve valued therapy for my entire life. In college I just assumed I’d get a PhD in English, but when I was (mercifully) denied acceptance at all the English PhD programs I applied to back in 2010, Psychology just seemed like the natural alternative. I’m struggling to come up with an answer here that doesn’t sound derivative, so I guess I’ll leave it at this: I can’t help thinking about/worrying over why people think, act and feel, so I’ve got an obligation to try and do that in a meaningful and systematic way that actually helps people instead of simply evaluating them. Hence, 5-7 more years of school!

As a life-long New Yorker, what are your favorite museums / art places?
AM: I haven’t been in ages, but going to the Neue Galerie is always a real treat. They’ve got a bunch of Klimt and Egon Schiele, whose work I thought I was SO COOL for liking back in high school. There’s also this little strip that always makes me feel so nostalgic whenever I’m there: starting at 109th and Amsterdam you can get Roti Roll, and then walk up and see the Peace Fountain sculpture at St. John the Divine. I always think of being a kid when I see that huge moon face. It also makes me immediately think of V&T’s across the street, which is where my family always ordered delivery from. Maybe the round pizza pie melded with the round moon face? I don’t know. Anyway, there’s also a white peacock usually hanging around there, just to add to the dreaminess of this little area.

Is Swans still your favorite band ever?
AM: The answer is yes! With a few caveats. I return to so many of those albums again and again.  “Swans are Dead” is one of my favorite albums of all time; the beginning of that album’s version of “Blood Promise” still occasionally chokes me up when I listen to it.  Then there’s the memory of wearing a Swans “Greed” T-shirt to summer camp and a pimply-faced teenager proudly holding up ‘The Great Annihilator’ CD he was listening to in solidarity. That shirt was co-opted by my brother Nick, which is just as well; I think you’ve probably taken pictures of him in it! So listening to those albums again never disappoints, and delivers up a healthy dose of nostalgia as well.

The caveat is that I don’t really care about what they’ve done since coming back in 2010, or whenever it was. I think I saw them that year right after moving back to NYC from Berlin, and thinking, “Ok, I get this, I don’t really need to see it again.”  Nick and I actually have talked about how a lot of their new stuff is all about the crescendo, and how that can get a little boring. So I just stopped paying attention after that first album post-comeback. Now that could mean that all those subsequent albums (there have been at least two, I think) are awesome, but I just haven’t cared to check them out. Then when Michael Gira was accused of sexual assault, I kind of got the excuse I needed to not care at all. Fans of his after that broke made him out to be this mythic, spiritual figure and I was like, really? Have you been listening? At least in early Swans material, he makes no secret of what a troubled guy he is; listen to one of my favorite songs from his solo album, “You See Through Me”, where a recording of him drunkenly arguing with Jarboe plays over a beautiful and increasingly-haunting backdrop. I’m not saying that’s evidence that he’s capable of rape. I’m just pointing out how little it takes comparatively to disbelieve a sexual assault victim.

Maybe I just want to preserve the relationship I had with the band back in high school, and that’s why I haven’t really had the impetus to listen to the newer stuff. Or it could all be laziness. Who knows!

Women Clap Back

After speaking at an event together in February, Laina and I wanted to keep the conversation going. We wanted to dive into a deeper discussion on race, gender and the arts. First she got clearance from The New School. Then we started emailing and calling people. On top of teaching classes, applying to a pretty intense PHD program and juggling other freelance work, Laina managed to get all these amazing people into one room, for an entire day. Here they are in alphabetical order (by first name).

Caroleen Stewart

Caroleen on the Scene

Christina A. Long

Christina Long Art

Cristy C. Road

Croadcore Mall

Crystal Durant

Destiny Washington

Brooklyn Waste
Destiny Designs

Dianca Potts

Dianca London on tumblr

Faith Pennick

Organized Chaos

Foxy Squire

Jeanne Fury

Could We Have Everything Louder Than Everything Else?

Joan Jocson-Singh

On the Shelves

Kali Fletcher

Kim Gill

Keep It Metal with Kim Gill

Kristen Korvette

Syllabic Stylist
Mining The Motherload: Mastodon’s #twerkgate and sexual objectification in metal

Laina Dawes

What Are You Doing Here?
Writing Is Fighting

Maya Choy-Sutton

Apartment Window
Small Talk

Mollena Williams
Playground 2015 with Mollena Lee Williams-Hass and Georg Friederich Haas

Naomi Elena Ramirez

Priscilla Layne

Rafaella Gunz

‘Getting Herpes Was a Gift’

Samantha Hollins

GhettoSongBird on FaceBook
on ReverbNation
on YouTube

Simone Maurice

Multimedia Maverick
The Essential Women’s Guide

Ursula Parson

Meet Ursula

Yuan Liu
Deerhoof “Flower” [producer & director]
Rubblebucket “Carousel Ride” [production design]
Scout’s Day Dream

Join us on Wednesday May 4th, 2016 at 7pm for a discussion on Rock & Metal at Barnard

Alisha Turull

this is part of a photo series i’ve been working on since 2011. it is a collection of photographs of badass women involved in metal, hardcore and the borderline metal/punk/avant-garde worlds. these are the people who make up the music scene. these are my friends.

Meet Alisha Turull, gamer and world-music lover.

What was your first metal experience?
Alisha Turull: Oh man… my first metal experience was Metallica on the Summer Sanitarium tour back in 2000. My sister was a huge metalhead and showgoer as a whole so when the opportunity presented itself for her to take me to all ages shows I would go with her. I think the first one she took me to was Butthole Surfers and Stone Temple Pilots at Suntan Lake in upstate New York in 1993. I was fortunate I got to see the band live during the Core cycle with my own eyes and ears.

What are your three favorite genres right now? And some bands/musicians from those genres?
AT: I’ll forever hold a soft spot for Brazilian thrash in my heart. My roots in metal really start there. With the Internet at my fingertips (on dial-up!!) I got the opportunity to meet other like-minded fans and enthusiasts of the genre. It was there that I got to learn about bands like Sepultura, Holocausto, and Dorsal Atlantica, exchange music and stories.

I also have a deep rooted love for music from other countries. I have no shame in admitting I am a K-Pop / J-Pop fangirl and have been since my teenage years. My earliest introductions to that was Dir en Grey back when they were Visual Kei and not donning that Adidas wear getup, and H.O.T. from Seoul, South Korea. Probably more than ever I still predominantly listen to K-Pop in present day. If you check out my music playlists on Spotify or my phone you’ll probably see a majority of it being K-Pop and ranging from SHINee, GOT7, Infinite, and various others.

I think my last favorite genre, and this is thanks to the influence of my mother, is Latin pop. Celia Cruz is the true matriarch of my household and those that dare to defy her name in any fashion would be struck by the chancla! No seriously — if you bash Celia in our household, expect a swift rubber sole from an Isotoner slipper to the face. I’m not even joking.

How would you describe your job and what you do at work (besides arguing about Toto)?
AT: Well i’m currently in the transition of moving into a different direction career wise. From my time though at In De Goot Entertainment? It was seriously magical and it contributed a lot to the person I am today and my strong work ethic. I operated as the Executive Assistant to the C.E.O. of the company so aside from handling the administrative tasks of scheduling meetings, coordinating travel and events, I was given the rare opportunity to see, hear and feel artist management firsthand and facilitate wherever possible. If any issue should arise with regards to our artist clients, management was the front lines in protecting our artists and solving any and all problems in their best interests. I often compare artist management to parenthood; you want to see them out of harm’s way not for our own personal gain, but for their success. Blood, sweat, and tears are all accounted into that equation. It’s hard not to invest personal emotions into it, but everyday seeing the bands prosper musically really left a lasting impression in me to continue to do my best and give my all in everything I handled with passion.

You love world music and you love gaming. Are you an escapist?
AT: I think to a degree I’m an escapist. The world we’re living in today is such a hard pill to swallow that I feel for the sake of our sanity? We have to escape from time to time and seek a place of solace. Whether it be a quiet location, or lost in a video game? It helps to just clear the mind temporarily and gain a little clarity to combat any trials or tribulations presented to us in day-to-day life when we’re back on track.

With world music specifically? I feel as if that’s more of a passport to new discoveries. I enjoy listening to music and watching media from the Far East so much because it gives me an insight on their culture, customs, and general lifestyle. It keeps me open-minded about other cultures’ way of life I think in the long run and keeps me grounded and objective in my views and perspectives of the world.

As for video games? I’m just a big ol’ kid at heart. It’s a leisurely hobby that I’ve loved since my youth, and is a facet of my life that has opened doors to great opportunities in life, and meeting amazing individuals all over the world.

What are some games you feel like never get enough attention/cred?
AT: Oh crap. WHERE DO I BEGIN?! Hahaha.

Well personally? I have to give tons of respect to one of the first games I’ve ever played and beaten, Gyruss, from the Konami arcade and NES console. It’s a great shoot em’ up game, and it’s background music is iconic even today. Taking a classical masterpiece (Bach’s Toccata and Fugue in D minor, BWV 565) and arranging the music to an electronic sound with an uptempo (essentially they made it a bad ass midi track) elevated the game to a whole new level for me personally. Lots of folks share those same sentiments today as well.

Another notable one that I feel really solidified the rhythm music genre but gets put on the backburner is Bust-A-Groove. I still can sing word for word Kitty N’s theme “Aozora no Knife”.

Finally? I don’t care what anyone says all you fighting game enthusiasts need to give proper respect to the best game in the entire Street Fighter franchise, Street Fighter III: 3rd Strike. One? That game has my main, Makoto, with her deadly finisher, Seichusen Godanzuki. Two? That was our first introduction to red parry, which changed the state of the competitive scene in my opinion. And three? Q. Nuff’ said.

Mariel Miele

this is part of a photo series i’ve been working on since 2011. it is a collection of photographs of badass women involved in metal, hardcore and the borderline metal/punk/avant-garde worlds. these are the people who make up the music scene. these are my friends.

Meet musician, artist and carpenter Mariel Miele (Lies Beneath, Vincent Price is Right, Eyes Like Cyanide).

What was your first metal experience?

Mariel Miele: Hmmm … thats a good question, cause I can’t really pinpoint that. I got exposed to music early on by my older sister. I was always into hard rock and grunge, but I think the first time I heard something really heavy and had that NEED to listen to more was when Korn’s first album came out. That wasn’t Pantera or Slayer heavy, it was different and dirty and in some ways provocative. Besides, in 1996 no one was really doing stuff like that yet, so they were definitely exciting to come upon.

How long have you been a carpenter? What attracted you to carpentry?

MM: I’ve been doing carpentry for 9 years now. It appealed to me when I was transitioning from non-union to union labor. I learned a lot about what carpenters do and how many facets of carpentry there are through a pre-apprenticeship program. Wood is warm and strong, you can shape it with your hands and make something beautiful and unique, or build structures of all sizes that will last for generations. It’s a skilled craft that requires knowledge and practice through discipline, so becoming good at it felt like something I needed to accomplish.

What advice can you give to women who may want to get into carpentry but aren’t sure where to start?

MM: There are classes and workshops EVERYWHERE. I do continuing education courses at SVA to get the practice in with finer woodworking projects as well as metalwork. They’re great for learning how to use power tools, and hand tools properly. You can also hit up that program I mentioned to join the carpenters union as an apprentice. I would say that if you’re just looking to make furniture or sculptures, then stick with private classes or art schools. If you’re into renovation work, commercial or residential building – then definitely go through the union. The name of the program is NEW (nontraditional employment for women).

What are your current music projects / bands you’re playing in?

MM: Right now I’m working with Lies Beneath (Brooklyn). Describing their sound is hard, its heavy AF, and has great grooves/riffage/hooks. They’re complex rhythmically, but not without taste. I’ve been working with them for about a year on bass, and after our next show Ill be switching over to guitar. I have some material of my own I’ve been working on, and plan on recording that soon as well.

What are some bands from NYC/Long Island you feel like don’t get or didn’t get enough attention (when they were around)?

MM: Good question. VOD definitely. They got a little attention but never got BIG big, you know what I’m sayin? 40 Below Summer is another band I feel like could have gotten further. Any of the bands out there right now trying to make it work. Let’s be real: the best musicians come to NYC to work. Chances are, whatever band is out there doing its thing, is probably worth some attention. Some of the best musicians I’ve worked with are from Long Island.

Amy Mills

this is part of a photo series i’ve been working on since 2011. it is a collection of photographs of badass women involved in metal, hardcore and the borderline metal/punk/avant-garde worlds. these are the people who make up the music scene. these are my friends.

Meet photographer and musician Amy Mills (Epistasis & Couch Slut).

What was your first metal experience?
Amy Mills: The way I came around to finding out about metal is pretty weird, and would probably make sense knowing my background in general. I grew up playing classical trumpet, and that was literally the only music I listened to throughout high school (except for an Offspring CD or Smashmouth CD).

After high school I went to Boston Conservatory for trumpet, and branched off to listening to more contemporary classical composers (Ligeti, Reich, Glass, etc etc), but the heavy music world was still foreign. Sometime after leaving the conservatory and going to Mass Art for photography, I discovered John Zorn’s music. I was struck most by his Naked City project, which opened the door for me to explore hardcore bands like Napalm Death. Soon after that my friends who were attending the nearby New England Conservatory introduced me to the underground metal scene in New York, and I eventually got around to exploring most areas of the metal world.

How did you transition from studying classical trumpet to photography?
AM: I basically realized that there wasn’t much of a job market or future career for me as a classical trumpet player. If my teacher at the conservatory couldn’t get into the BSO (who he subbed with regularily) then what chance did I stand. I had been in love with photography since high school. While at the conservatory I took the 20×24 polaroid course at Mass Art, and soon after made the decision to transfer to Mass. Art.

At what point did you become a guitar addict? You showed me one you’re currently building. What’s your goal with that guitar?
AM: I’m not sure “addict” would be the word I would use, but I’ve always had a fascination with collecting things. Books, records, cameras, etc. I find the guitar to be one of the more fascinating instruments, both from a design perspective, and a historical perspective. It’s one of the few instruments that has had such an immense amount of variations in design, approach, and sound. It’s a bit staggering to think about how many different ideas have gone into guitar design. As an instrument it’s completely changed so many different styles of music throughout history, in almost every culture. The electric guitar explosion of the 1960s is incredibly fascinating.  I’m particularly obsessed with Burns guitars, made by Jim Burns in the early 1960s in England. They aren’t as well known in the US, but were considered to be the equivalent to Fender in England at the time.

Brass instruments have a similar history, but not quite the same impact culturally. In terms of experimentation with design concepts, it has almost the same amount of variations as the guitar world does. I think I was drawn to guitar due to these similarities. In fact, the same could be said for cameras.

The guitar I’m building is actually just parts from two wrecked guitars. I got the body for free from on of my favorite guitar shops, and the neck and electronics were given to me by my good friend Robbie. I decided to combine them into a working guitar, and so far it’s been a very successful project.

What albums/bands have you been listening to lately? Can you listen to music at work?
AM: Lately I’ve been listening to:

  • Blackstar – David Bowie
  • Ben Monder – Flux
  • Jeff Buckley – Grace
  • Nick Drake – all the albums
  • Myrkur
  • Sun Kil Moon – Ghosts of the Great Highway

I can listen to music at work, but a lot of the time i’m busy out in the studios, so music is generally only on when I’m at my computer.

You’re a major Swans fan, right? What’s your favorite era and/or albums?
AM: As far as Swans goes, my favorite album is definitely Soundtracks for the Blind. Other than that I’m a fan of pretty much all of it, generally gravitating to the very first few albums, and the most recent 2.


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Friday, 3 June 2016

5 Tips to Secure That Internship at a Fair

by Dominik Weiss
     The Forum Campus is the major recruiting event at ESSEC. More than a hundred companies offer students the unique opportunity to receive first-hand information and to ask their questions.

The Forum Campus is my second recruitment fair at ESSEC and I would like to share with you what I have learned and changed after the first fair to be more successful!

1. Speak French, the effort counts: The chances of getting an internship are equally divided between French and international students at ESSEC. Nevertheless, making the effort as an international student to speak to companies in French shows extra motivation. This is an attitude companies in France value very highly and which might open many doors.

·  2. Speak to as many companies as you can: It is wise to strategically pick the companies you want to speak with to have sufficient time for each of them. Nevertheless, do not stop afterwards, or worse leave the fair. Continue speaking to companies, in many cases companies you did not have on your mind have very interesting and challenging opportunities.

·     3Speak to the companies at the right time: To avoid waiting for ages to speak to companies, go at the right time. Especially right after the Fair starts is a very good moment. Most of the students do not go straight in the morning. Also, lunch time or late in the afternoon are good to avoid the rush-hours, however here you might take the risk that the company representatives are tired or hungry and will not take as much time for you as in the morning.

·       4. Get in the flow: Speaking to companies is all about selling and presenting yourself. To be at your best you need to be in “the flow”. Before you speak to the company you are interested in take the time and speak to 1-2 companies you are not that interested in just to practice and not to be nervous when it matters.

·   5. Host a company!: Hosting a company is the best and easiest way to convince a company that you are a perfect fit for them. Furthermore, the opportunity to spend the whole day with the representatives of a company is a great and interesting experience. It enables you to speak to more than one of them, so you can get insights in different departments of the company.

Do not let this unique chance slip!

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Volvo Boosts Production In Anticipation of Soaring Sales

volvo2Yesterday, Volvo announced that they will be  adding 1,300 jobs and boosting production at a plant in Sweden in anticipation of soaring demands for their new XC90 SUV. The added jobs will increase the factory’s overall workforce by an astonishing 40 percent!

Volvo says, “[The XC90] is expected to further grow the company’s sales volumes during 2015, creating a need for increased output from the Torslanda plant in Sweden where the new car is to be produced.”

This move is right in line with Volvo’s amped up efforts and $11 billion investment plan to expand operations. Recently, the 87-year old company has also installed a new body shop at the factory, which helped spur its total annual production capacity to 300,000 units.

These moves, of course, are a welcome surprise to the company. It was just 6 years ago that Ford had severed all ties with the company (due to declining revenue intake), selling its shares of Volvo to Chinese motor manufacturer Geely Automobile. Now, Volvo appears to be back in full swing.

volvo3Automotive News reports, “Volvo’s global deliveries rose 9 percent in the first nine months to 339,220. The company expects to sell about 470,000 cars for the whole year, representing a 10 percent increase over 2013 and an all-time sales record for the company.”

“Volvo aims to sell 800,000 cars by 2020 and make inroads into a premium market dominated by Mercedes-Benz, BMW, and Audi.”

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Wednesday, October 31, 2018

Can't Afford Financial Freedom? Start with these THREE Steps

Overcoming the No Money Hurdle.
This is how I feel when I need to finance a new deal.
I recently sent out a 2-minute survey about financial freedom. If you haven't responded, feel free to  fill it out HERE -  it's fun, super-quick, and your response will help me understand what's important to you.

It'll also give you a moment to think about your personal financial goals.

One of the survey questions was:

"What's holding you back from reaching financial freedom?"

So far, the top-most response with 58% vote is:

"I can't afford it. Not enough money"

I thought it would be helpful if I gave you the exact steps I followed to finance my real estate assets. This approach worked for me over a dozen times.

Step 1: Acquire an Asset not a Liability

An asset puts money in your pocket. A liability takes money away from you.

Assets are easier to finance than liabilities.

By definition, assets make money and, hence, provide a less risky security for a prospective lender.
A typical A or B lender always makes money, no matter if you pay your mortgage or not:

  • If you stop paying your mortgage, the lender can collect the rent instead of you. This is why many lenders require a current lease agreement, so that they have a way to verify how much income you collect from the asset. This gives them a method to make money, even in the worst case.

  • In case of default, the lender can choose to sell your property. If your property makes money and is priced under market, there will be lots of buyers - the sale will be quick and easy. This is why most lenders will also require that an appraiser they approve off, provides a current market assessment and confirms the market value of the property. The bank will only finance up to 65-80% of the value.
On the flip side, all your liabilities add up and play against you. You may be able to get financing for the first few real estate properties, which are not cash positive, if your personal income can support paying for them. However,

  • Most traditional lenders will turn you down, if your debt service ratio is worse than 44%. This means that at the most, 44% of your income has to be enough to cover all your interest, tax, and heating payments.

  • When you go after liabilities, you reach this 44% ratio very fast. As soon as that happens, most traditional lenders stop giving you money. Your strategy becomes too risky for them.

Keep in mind that you can usually find more creative ways to finance the deal. However, in my experience, creativity usually is expensive. You have to get more expensive money from lenders who don't mind extra risk or trade equity for money. Either way, mathematically there is a point at which financing cost turns your property from an asset into a liability - you start losing money.

Long story short - getting financing for assets is a LOT easier and more affordable than getting financing for liabilities.

My recommendation is to focus only on assets and stay away from liabilities.

Step 2: Play by Lenders' Rules

There are numerous lenders out there. Each lender has their unique underwriting rules and procedures. These are similar on a high level, yet minor nuances sometimes make a big difference. You might not qualify with some of the lenders, but be a perfect candidate with others.

Underwriting is the process by which a lender determines whether you qualify for a mortgage or a loan with them. Knowing how the underwriting process works is half the battle.

Hence, it's beneficial to work with an expert who knows this process inside out and can help you navigate through the mortgage application, and position you properly with the lenders, where you have the most chance. It's similar to resume writing and interview process - a good mortgage broker can help you with your money resume and your money application.

If you don't qualify at the moment, an expert mortgage broker can explain to you what may be missing. This way, you can plan your next step and work your way to your next deal. Alternatively, knowing what is missing, you can find ways to partner with friends, family, or third parties to fill in the blanks and make the deal work. Understanding lenders' rules gives you a chance to structure your deal correctly and make things work.

Financing is a repetitive task. At the minimum, you have to review financing for each asset every 5 years. When you build your portfolio aggressively, financing becomes a never-ending ongoing task.

You are always looking for money. You are always looking for ways to replace expensive money with more affordable money. Every time you find cheaper money, your cash flow goes up.

Financing mistakes are costly. In my experience, each finance/re-finance transaction ends up costing at least $7,000 on a small residential deal. On an ongoing basis, my regular mortgage payment is often just under 50% of gross rent.

It makes sense to have a good partner on financing side of things. The last three transactions that I completed were possible thanks to the help I got from the Loan Central team.

If you are in GTA and access to money is your biggest hurdle, give Loan Central a call! It doesn't cost you anything to ask the question. You could also drop in and attend one of their weekly meet ups. I've attended several and found lots of great FREE information and connected with a few like-minded people.

Here's Loan Central's contact info. They helped me multiple times.
If you have financing related questions, ask them!

Step 3: Be Extremely Organized

No matter how many assets you plan to acquire - one, two, ten, 50, or a 100, stay organized.

On many occasions, lenders, mortgage brokers, and money partners complimented me on giving them the information they needed quickly and in the format that was easy for them to follow.

Lenders typically need a lot of information to complete their underwriting process and determine whether you qualify for a loan with them.

The way you present the information and its accuracy makes it easier or harder for lenders to make the decision.

It's in your best interest to make your application to be as easy to evaluate as possible.

  • Provide complete accurate information
  • Double check all numbers against supporting documents before you submit information
  • Make it a rule to keep track of information on a regular basis - after all, making money is what you are after.
You will make MORE MONEY, if you keep track of it.

This is how I feel
when I finalize financing for a new deal

Here is a link to download my Excel tracking template. If you'd like it FREE, please email me and ask me to email my sample Excel portfolio template back to you. I'll respond as quickly as I can.

Here's an old blog post on what sort of documents you'd typically be asked to provide when you apply for a mortgage.

Hope you find this blog post helpful. If you have any comments or questions about money, please leave me a comment below.

PS You also might be wondering how you can come up with a down payment. That'll be in one of my future blog posts. Please stay tuned.

The Beauty of A La Carte Property Management

Loving A La Carte Property Management
A friend of mine runs an amazing property management company – they offer on demand white glove property management services. I call it a la carte property management.

I think this service is amazing. In fact, it’s just perfect. I tried it last month on one of my rentals and absolutely LOVED it.

To start, let me share my view on traditional property management and some challenges that I've come across.

This will help me explain why I am so excited about a la carte property management!

The Pains of Traditional Property Management

Traditionally, property managers charge a percentage of gross rent per month. Usually, somewhere between 5% and 8.5% of your gross rent. For example, if you rent a unit for $1,500, you’d be paying around $100 a month to the property manager. You pay based on proforma, not actual, i.e whether or not your tenant pays rent, you still pay your property manager.

Given a skinny average cash flow of $200 per unit, property management could easily take away half of your cash flow. So instead of getting $200 a month in your pocket and self-managing the unit, you’d be getting $100 a month from the unit when you outsource property management.

The biggest benefit of hiring a property management company is that your property manager becomes the point of contact for your tenants, instead of you. You never see, communicate with or hear from your tenants. Your tenants contact your property manager with all their questions and issues. The property manager coordinates issue resolution, gets your approval on costly items, and sends you an invoice at the end of the month. This invoice includes:

  • Property management fee of 5 – 8.5%
  • Cost of labour to resolve issues
  • Cost of materials to resolve issues
Traditional Property Management can get Ugly
Here are some examples of what is not included in the property management fee and will be added as an extra line item on your invoice:

Painting / cleaning / making unit ready for a new tenant, plumbing issues, snow/grass care, new tenant search, sending an eviction notice to a non-paying tenant, representing you at the landlord and tenant board, fixing a broken screen on a window, etc.

Basically, everything is extra with the exception of:

  • rent collection
  • the contact phone / email that your tenants get to call when they need help
  • in some cases, annual rent increases. In my case, I have to remind my property manager about these.

In theory, this model works great for hands-off investors. You pay someone else to take care of your property and your tenants. You pay the invoice to cover all associated costs. You trust your property manager to do a great job and believe they will act in your best interests. You sleep great at night and can spend your time doing something more exciting than answering your tenants’ calls.

However, in my experience so far, the model seems to fail frequently.

Some property managers that I’ve run into would let your unit stay vacant for many months. They wouldn’t put in any effort into collecting rent.

They’d procrastinate for many-many months keeping issues that are important from owner stand-point in their waiting queue, and decide that it's not necessary to address these issues at all.

They’d find a gazillion excuses and explanations of why some issues cannot be addressed or addressed timely.

In the meantime, your have zero interaction with your tenant and practically no insight into what is actually going on at your property - you are at the mercy of your property manager.

While you are becoming more and more frustrated with how things are going, the property manager still collects the monthly fee.

And the issues that are bothering you and costing you time and money still remain open, adding up to hundreds and sometimes thousands of dollars.

The Beauty of A La Carte Property Management

The way on demand property management works is very simple.

You run your property the way you like. You keep in touch with your tenants. When you need an extra set of hands or an expert to do a certain property management or tenant management task, you pay for the service.

There is no monthly fee. You pay as you go.

In my case, I have a triplex in Guelph. My monthly gross rent is $3,126. I have long term tenants in two units. They are great tenants and rarely have issues or requests. They keep an eye on the property and bring up issues that need my attention. We have a great relationship. There is really no need to hire a property manager to manage these two tenants.

The third unit has higher turnover. My last tenant was a young professional. He bought his own place and moved out. I needed to find a new tenant.

The property is about an hour away from my place. I have so much going on that I really had no time to clean, freshen up the unit, market it, screen applicants, etc.

In addition, I recently re-financed the property and pulled out most of the equity. As a result, my cash flow is barely positive. Every penny counts. There is no room for an ongoing property management cost.

Hiring a traditional property management company doesn’t feel right and, frankly speaking, isn’t cost effective.

A la carte property management, on the other hand, is just perfect.

What I needed was:
  • Great team to freshen up the unit and get some work done - mainly cleaning plus repair a couple of minor things
  • Expert marketing and advertising - respond to numerous requests timely
  • Run an open house for all interested applicants and show the unit
  • Complete applicant screening, reference / background checks, etc.
  • Help me choose a great new tenant.

This was exactly what I got! It took them under a week. I got a great price.

I loved the experience and the result:

Feeling Happy!

Zero vacancy.
Perfect new tenant.
No ongoing cost.
Got exactly the services I needed when I needed them.

Would you like to try a la carte property management?

Ping me in comments below, if you’d like a referral to my friend’s firm. They are based in Toronto and serve a pretty wide radius.

A la carte property management also works great for 2nd homes and cottages. For example, you can outsource your Spring / Fall routine to a professional property manager.

Mortgage FREE by 2023

Ready, set... where to?
This month I started my FAST AND FURIOUS mortgage pay down, on my primary residence.

Based on the theory that I’m following, my home is my liability. It’s taking money out of my pocket every month. Mortgage payment is a huge portion of my monthly expenses.

What I learned a while ago, yet am just now starting to realize for myself – is that you don’t have to pay mortgage for the next 25-30 years. You can be mortgage FREE much faster and often with minimal additional hassle.

I have $339,089 left on my mortgage and 23 years to go. I'll be mortgage free by 2041. The year I turn 60. Long way to go. This is my Status Quo.

Luckily, I have a plan B, my new FAST AND FURIOUS mortgage pay down plan.

So, let the adventure begin.

  1. I transferred $14,063 payment from my line of credit towards the principal
  2. I thought "Wow, that was easy!"
  3. I checked: My outstanding amount has dropped to $325,026 and only 21 years more to go.

By the way, here's an Excel tool that I now use to do all my numbers when it comes to planning accelerated mortgage pay down and tracking my results. It simplifies the process a lot!

It works! It's this simple!

Now, over the next few days, I'll redirect all my day-to-day incoming and outgoing payments to the credit line account. This will ensure that the 14K I've borrowed will get paid down as fast as possible from miscellaneous left-overs. Line of credit balance over a short time will cost me a reasonable amount of interest, especially if you compare to the amount of interest I'd have to pay, if I stayed with the traditional pay down schedule.

To see the full impact of accelerating mortgage pay off - scroll down. This is the maximum acceleration I can get. It will likely require me to be frugal and creative.

It's my own choice to go at the fastest speed. Everyone's situation is different, and you can choose the speed that you feel the most happy about. If you need help or have a question, let me know.

There are ways to be mortgage free fast, without putting yourself under a lot of pressure. Someone just needs to show you the way.

You need to work with a great partner. Ask me about it in the comments if interested and would like a referral.

Below is my status quo and my new plan. I'm curious to find out - What your plan is?

Please scroll down to the bottom of the table. I have a point....

Let's see where I'll be in 2041

AgePeriodPayment DatePrincipalInterestTotal InterestBalance
37 105-Oct-18$388$407$407$338,700.91
37 219-Oct-18$389$406$813$338,312.36
37 302-Nov-18$389$406$1,219$337,923.34
37 416-Nov-18$389$405$1,624$337,533.86
37 530-Nov-18$390$405$2,029$337,143.91
37 614-Dec-18$390$404$2,433$336,753.49
37 728-Dec-18$391$404$2,837$336,362.60
38 811-Jan-19$391$403$3,241$335,971.24
38 925-Jan-19$392$403$3,644$335,579.41
38 1008-Feb-19$392$403$4,046$335,187.11
38 1122-Feb-19$393$402$4,448$334,794.34
38 1208-Mar-19$393$402$4,850$334,401.10
38 1322-Mar-19$394$401$5,251$334,007.39
38 1405-Apr-19$394$401$5,652$333,613.21
38 1519-Apr-19$395$400$6,052$333,218.56
38 1603-May-19$395$400$6,452$332,823.43
38 1717-May-19$396$399$6,851$332,427.83
38 1831-May-19$396$399$7,250$332,031.75
38 1914-Jun-19$397$398$7,648$331,635.20
38 2028-Jun-19$397$398$8,046$331,238.17
38 2112-Jul-19$398$397$8,443$330,840.67
38 2226-Jul-19$398$397$8,840$330,442.69
38 2309-Aug-19$398$396$9,236$330,044.23
38 2423-Aug-19$399$396$9,632$329,645.30
38 2506-Sep-19$399$395$10,028$329,245.89
38 2620-Sep-19$400$395$10,423$328,846.00
38 2704-Oct-19$400$394$10,817$328,445.63
38 2818-Oct-19$401$394$11,211$328,044.78
38 2901-Nov-19$401$394$11,605$327,643.45
38 3015-Nov-19$402$393$11,998$327,241.64
38 3129-Nov-19$402$393$12,390$326,839.34
38 3213-Dec-19$403$392$12,782$326,436.56
38 3327-Dec-19$403$392$13,174$326,033.30
39 3410-Jan-20$404$391$13,565$325,629.55
39 3524-Jan-20$404$391$13,955$325,225.32
39 3607-Feb-20$405$390$14,345$324,820.60
39 3721-Feb-20$405$390$14,735$324,415.40
39 3806-Mar-20$406$389$15,124$324,009.71
39 3920-Mar-20$406$389$15,513$323,603.54
39 4003-Apr-20$407$388$15,901$323,196.88
39 4117-Apr-20$407$388$16,289$322,789.73
39 4201-May-20$408$387$16,676$322,382.09
39 4315-May-20$408$387$17,063$321,973.96
39 4429-May-20$409$386$17,449$321,565.34
39 4512-Jun-20$409$386$17,835$321,156.23
39 4626-Jun-20$410$385$18,220$320,746.63
39 4710-Jul-20$410$385$18,605$320,336.54
39 4824-Jul-20$411$384$18,989$319,925.96
39 4907-Aug-20$411$384$19,373$319,514.89
39 5021-Aug-20$412$383$19,756$319,103.33
39 5104-Sep-20$412$383$20,139$318,691.27
39 5218-Sep-20$413$382$20,521$318,278.72
39 5302-Oct-20$413$382$20,903$317,865.67
39 5416-Oct-20$414$381$21,284$317,452.13
39 5530-Oct-20$414$381$21,665$317,038.09
39 5613-Nov-20$415$380$22,045$316,623.55
39 5727-Nov-20$415$380$22,425$316,208.52
39 5811-Dec-20$416$379$22,804$315,792.99
39 5925-Dec-20$416$379$23,183$315,376.96
40 6008-Jan-21$417$378$23,561$314,960.43
40 6122-Jan-21$417$378$23,939$314,543.40
40 6205-Feb-21$418$377$24,316$314,125.87
40 6319-Feb-21$418$377$24,693$313,707.84
40 6405-Mar-21$419$376$25,069$313,289.31
40 6519-Mar-21$419$376$25,445$312,870.28
40 6602-Apr-21$420$375$25,821$312,450.74
40 6716-Apr-21$420$375$26,195$312,030.70
40 6830-Apr-21$421$374$26,570$311,610.16
40 6914-May-21$421$374$26,943$311,189.11
40 7028-May-21$422$373$27,317$310,767.56
40 7111-Jun-21$422$373$27,689$310,345.50
40 7225-Jun-21$423$372$28,062$309,922.94
40 7309-Jul-21$423$372$28,433$309,499.87
40 7423-Jul-21$424$371$28,805$309,076.29
40 7506-Aug-21$424$371$29,175$308,652.20
40 7620-Aug-21$425$370$29,546$308,227.61
40 7703-Sep-21$425$370$29,915$307,802.51
40 7817-Sep-21$426$369$30,285$307,376.90
40 7901-Oct-21$426$369$30,653$306,950.78
40 8015-Oct-21$427$368$31,022$306,524.14
40 8129-Oct-21$427$368$31,389$306,096.99
40 8212-Nov-21$428$367$31,756$305,669.33
40 8326-Nov-21$428$367$32,123$305,241.16
40 8410-Dec-21$429$366$32,489$304,812.47
40 8524-Dec-21$429$366$32,855$304,383.27
41 8607-Jan-22$430$365$33,220$303,953.55
41 8721-Jan-22$430$365$33,585$303,523.32
41 8804-Feb-22$431$364$33,949$303,092.57
41 8918-Feb-22$431$364$34,312$302,661.31
41 9004-Mar-22$432$363$34,675$302,229.53
41 9118-Mar-22$432$363$35,038$301,797.23
41 9201-Apr-22$433$362$35,400$301,364.41
41 9315-Apr-22$433$361$35,761$300,931.07
41 9429-Apr-22$434$361$36,122$300,497.21
41 9513-May-22$434$360$36,483$300,062.83
41 9627-May-22$435$360$36,843$299,627.93
41 9710-Jun-22$435$359$37,202$299,192.51
41 9824-Jun-22$436$359$37,561$298,756.57
41 9908-Jul-22$436$358$37,919$298,320.11
41 10022-Jul-22$437$358$38,277$297,883.12
41 10105-Aug-22$438$357$38,634$297,445.61
41 10219-Aug-22$438$357$38,991$297,007.57
41 10302-Sep-22$439$356$39,348$296,569.01
41 10416-Sep-22$439$356$39,703$296,129.92
41 10530-Sep-22$440$355$40,058$295,690.30
41 10614-Oct-22$440$355$40,413$295,250.16
41 10728-Oct-22$441$354$40,767$294,809.49
41 10811-Nov-22$441$354$41,121$294,368.29
41 10925-Nov-22$442$353$41,474$293,926.56
41 11009-Dec-22$442$353$41,827$293,484.30
41 11123-Dec-22$443$352$42,179$293,041.51
42 11206-Jan-23$443$352$42,530$292,598.19
42 11320-Jan-23$444$351$42,881$292,154.34
42 11403-Feb-23$444$350$43,232$291,709.96
42 11517-Feb-23$445$350$43,581$291,265.04
42 11603-Mar-23$445$349$43,931$290,819.59
42 11717-Mar-23$446$349$44,280$290,373.60
42 11831-Mar-23$447$348$44,628$289,927.08
42 11914-Apr-23$447$348$44,976$289,480.02
42 12028-Apr-23$448$347$45,323$289,032.43
42 12112-May-23$448$347$45,670$288,584.30
42 12226-May-23$449$346$46,016$288,135.63
42 12309-Jun-23$449$346$46,362$287,686.43
42 12423-Jun-23$450$345$46,707$287,236.69
42 12507-Jul-23$450$345$47,051$286,786.41
42 12621-Jul-23$451$344$47,395$286,335.59
42 12704-Aug-23$451$343$47,739$285,884.23
42 12818-Aug-23$452$343$48,082$285,432.32
42 12901-Sep-23$452$342$48,424$284,979.87
42 13015-Sep-23$453$342$48,766$284,526.88
42 13129-Sep-23$454$341$49,107$284,073.35
42 13213-Oct-23$454$341$49,448$283,619.27
42 13327-Oct-23$455$340$49,788$283,164.65
42 13410-Nov-23$455$340$50,128$282,709.48
42 13524-Nov-23$456$339$50,467$282,253.77
42 13608-Dec-23$456$339$50,805$281,797.51
42 13722-Dec-23$457$338$51,143$281,340.70
43 13805-Jan-24$457$337$51,481$280,883.34
43 13919-Jan-24$458$337$51,818$280,425.44
43 14002-Feb-24$458$336$52,154$279,966.99
43 14116-Feb-24$459$336$52,490$279,507.99
43 14201-Mar-24$460$335$52,825$279,048.44
43 14315-Mar-24$460$335$53,160$278,588.33
43 14429-Mar-24$461$334$53,494$278,127.67
43 14512-Apr-24$461$334$53,828$277,666.46
43 14626-Apr-24$462$333$54,161$277,204.70
43 14710-May-24$462$333$54,493$276,742.38
43 14824-May-24$463$332$54,825$276,279.51
43 14907-Jun-24$463$331$55,157$275,816.08
43 15021-Jun-24$464$331$55,488$275,352.10
43 15105-Jul-24$465$330$55,818$274,887.56
43 15219-Jul-24$465$330$56,148$274,422.46
43 15302-Aug-24$466$329$56,477$273,956.81
43 15416-Aug-24$466$329$56,805$273,490.60
43 15530-Aug-24$467$328$57,133$273,023.83
43 15613-Sep-24$467$328$57,461$272,556.50
43 15727-Sep-24$468$327$57,788$272,088.61
43 15811-Oct-24$468$326$58,114$271,620.16
43 15925-Oct-24$469$326$58,440$271,151.14
43 16008-Nov-24$470$325$58,765$270,681.56
43 16122-Nov-24$470$325$59,090$270,211.42
43 16206-Dec-24$471$324$59,414$269,740.71
43 16320-Dec-24$471$324$59,738$269,269.44
44 16403-Jan-25$472$323$60,061$268,797.60
44 16517-Jan-25$472$322$60,383$268,325.20
44 16631-Jan-25$473$322$60,705$267,852.23
44 16714-Feb-25$474$321$61,026$267,378.69
44 16828-Feb-25$474$321$61,347$266,904.59
44 16914-Mar-25$475$320$61,667$266,429.92
44 17028-Mar-25$475$320$61,987$265,954.68
44 17111-Apr-25$476$319$62,306$265,478.87
44 17225-Apr-25$476$318$62,624$265,002.49
44 17309-May-25$477$318$62,942$264,525.54
44 17423-May-25$478$317$63,259$264,048.01
44 17506-Jun-25$478$317$63,576$263,569.91
44 17620-Jun-25$479$316$63,892$263,091.24
44 17704-Jul-25$479$316$64,208$262,611.99
44 17818-Jul-25$480$315$64,523$262,132.17
44 17901-Aug-25$480$314$64,837$261,651.77
44 18015-Aug-25$481$314$65,151$261,170.80
44 18129-Aug-25$482$313$65,464$260,689.25
44 18212-Sep-25$482$313$65,777$260,207.12
44 18326-Sep-25$483$312$66,089$259,724.41
44 18410-Oct-25$483$312$66,401$259,241.13
44 18524-Oct-25$484$311$66,712$258,757.27
44 18607-Nov-25$484$310$67,022$258,272.83
44 18721-Nov-25$485$310$67,332$257,787.80
44 18805-Dec-25$486$309$67,641$257,302.19
44 18919-Dec-25$486$309$67,950$256,816.00
45 19002-Jan-26$487$308$68,258$256,329.23
45 19116-Jan-26$487$307$68,565$255,841.87
45 19230-Jan-26$488$307$68,872$255,353.93
45 19313-Feb-26$489$306$69,179$254,865.40
45 19427-Feb-26$489$306$69,484$254,376.29
45 19513-Mar-26$490$305$69,789$253,886.59
45 19627-Mar-26$490$305$70,094$253,396.30
45 19710-Apr-26$491$304$70,398$252,905.42
45 19824-Apr-26$491$303$70,701$252,413.96
45 19908-May-26$492$303$71,004$251,921.91
45 20022-May-26$493$302$71,306$251,429.27
45 20105-Jun-26$493$302$71,608$250,936.03
45 20219-Jun-26$494$301$71,909$250,442.20
45 20303-Jul-26$494$300$72,209$249,947.78
45 20417-Jul-26$495$300$72,509$249,452.77
45 20531-Jul-26$496$299$72,808$248,957.16
45 20614-Aug-26$496$299$73,107$248,460.96
45 20728-Aug-26$497$298$73,405$247,964.16
45 20811-Sep-26$497$297$73,702$247,466.77
45 20925-Sep-26$498$297$73,999$246,968.78
45 21009-Oct-26$499$296$74,295$246,470.19
45 21123-Oct-26$499$296$74,591$245,971.01
45 21206-Nov-26$500$295$74,886$245,471.23
45 21320-Nov-26$500$294$75,181$244,970.85
45 21404-Dec-26$501$294$75,474$244,469.87
45 21518-Dec-26$502$293$75,768$243,968.29
46 21601-Jan-27$502$293$76,060$243,466.11
46 21715-Jan-27$503$292$76,352$242,963.32
46 21829-Jan-27$503$291$76,644$242,459.93
46 21912-Feb-27$504$291$76,935$241,955.94
46 22026-Feb-27$505$290$77,225$241,451.34
46 22112-Mar-27$505$290$77,515$240,946.14
46 22226-Mar-27$506$289$77,804$240,440.33
46 22309-Apr-27$506$288$78,092$239,933.91
46 22423-Apr-27$507$288$78,380$239,426.89
46 22507-May-27$508$287$78,667$238,919.26
46 22621-May-27$508$287$78,954$238,411.02
46 22704-Jun-27$509$286$79,240$237,902.17
46 22818-Jun-27$509$285$79,525$237,392.71
46 22902-Jul-27$510$285$79,810$236,882.64
46 23016-Jul-27$511$284$80,094$236,371.96
46 23130-Jul-27$511$284$80,377$235,860.66
46 23213-Aug-27$512$283$80,660$235,348.75
46 23327-Aug-27$513$282$80,943$234,836.23
46 23410-Sep-27$513$282$81,224$234,323.09
46 23524-Sep-27$514$281$81,505$233,809.34
46 23608-Oct-27$514$280$81,786$233,294.97
46 23722-Oct-27$515$280$82,066$232,779.98
46 23805-Nov-27$516$279$82,345$232,264.37
46 23919-Nov-27$516$279$82,624$231,748.15
46 24003-Dec-27$517$278$82,902$231,231.31
46 24117-Dec-27$517$277$83,179$230,713.85
46 24231-Dec-27$518$277$83,456$230,195.77
47 24314-Jan-28$519$276$83,732$229,677.06
47 24428-Jan-28$519$276$84,007$229,157.73
47 24511-Feb-28$520$275$84,282$228,637.78
47 24625-Feb-28$521$274$84,556$228,117.21
47 24710-Mar-28$521$274$84,830$227,596.01
47 24824-Mar-28$522$273$85,103$227,074.19
47 24907-Apr-28$522$272$85,375$226,551.74
47 25021-Apr-28$523$272$85,647$226,028.66
47 25105-May-28$524$271$85,918$225,504.96
47 25219-May-28$524$271$86,189$224,980.63
47 25302-Jun-28$525$270$86,459$224,455.67
47 25416-Jun-28$526$269$86,728$223,930.08
47 25530-Jun-28$526$269$86,997$223,403.86
47 25614-Jul-28$527$268$87,264$222,877.01
47 25728-Jul-28$527$267$87,532$222,349.53
47 25811-Aug-28$528$267$87,799$221,821.41
47 25925-Aug-28$529$266$88,065$221,292.66
47 26008-Sep-28$529$265$88,330$220,763.28
47 26122-Sep-28$530$265$88,595$220,233.26
47 26206-Oct-28$531$264$88,859$219,702.60
47 26320-Oct-28$531$264$89,123$219,171.31
47 26403-Nov-28$532$263$89,386$218,639.38
47 26517-Nov-28$533$262$89,648$218,106.81
47 26601-Dec-28$533$262$89,909$217,573.60
47 26715-Dec-28$534$261$90,170$217,039.75
47 26829-Dec-28$534$260$90,431$216,505.26
48 26912-Jan-29$535$260$90,690$215,970.13
48 27026-Jan-29$536$259$90,949$215,434.36
48 27109-Feb-29$536$258$91,208$214,897.95
48 27223-Feb-29$537$258$91,466$214,360.89
48 27309-Mar-29$538$257$91,723$213,823.19
48 27423-Mar-29$538$256$91,979$213,284.85
48 27506-Apr-29$539$256$92,235$212,745.86
48 27620-Apr-29$540$255$92,490$212,206.22
48 27704-May-29$540$255$92,745$211,665.94
48 27818-May-29$541$254$92,999$211,125.01
48 27901-Jun-29$542$253$93,252$210,583.43
48 28015-Jun-29$542$253$93,505$210,041.20
48 28129-Jun-29$543$252$93,757$209,498.32
48 28213-Jul-29$544$251$94,008$208,954.79
48 28327-Jul-29$544$251$94,259$208,410.61
48 28410-Aug-29$545$250$94,508$207,865.77
48 28524-Aug-29$545$249$94,758$207,320.28
48 28607-Sep-29$546$249$95,007$206,774.14
48 28721-Sep-29$547$248$95,255$206,227.34
48 28805-Oct-29$547$247$95,502$205,679.88
48 28919-Oct-29$548$247$95,749$205,131.77
48 29002-Nov-29$549$246$95,995$204,583.00
48 29116-Nov-29$549$245$96,240$204,033.57
48 29230-Nov-29$550$245$96,485$203,483.48
48 29314-Dec-29$551$244$96,729$202,932.73
48 29428-Dec-29$551$243$96,972$202,381.32
49 29511-Jan-30$552$243$97,215$201,829.25
49 29625-Jan-30$553$242$97,457$201,276.52
49 29708-Feb-30$553$241$97,699$200,723.13
49 29822-Feb-30$554$241$97,939$200,169.07
49 29908-Mar-30$555$240$98,180$199,614.35
49 30022-Mar-30$555$239$98,419$199,058.96
49 30105-Apr-30$556$239$98,658$198,502.91
49 30219-Apr-30$557$238$98,896$197,946.19
49 30303-May-30$557$237$99,133$197,388.80
49 30417-May-30$558$237$99,370$196,830.74
49 30531-May-30$559$236$99,606$196,272.01
49 30614-Jun-30$559$235$99,842$195,712.61
49 30728-Jun-30$560$235$100,076$195,152.54
49 30812-Jul-30$561$234$100,310$194,591.80
49 30926-Jul-30$561$233$100,544$194,030.39
49 31009-Aug-30$562$233$100,777$193,468.30
49 31123-Aug-30$563$232$101,009$192,905.54
49 31206-Sep-30$563$231$101,240$192,342.10
49 31320-Sep-30$564$231$101,471$191,777.99
49 31404-Oct-30$565$230$101,701$191,213.20
49 31518-Oct-30$565$229$101,930$190,647.73
49 31601-Nov-30$566$229$102,159$190,081.59
49 31715-Nov-30$567$228$102,387$189,514.77
49 31829-Nov-30$568$227$102,614$188,947.27
49 31913-Dec-30$568$227$102,841$188,379.09
49 32027-Dec-30$569$226$103,067$187,810.22
50 32110-Jan-31$570$225$103,292$187,240.67
50 32224-Jan-31$570$225$103,517$186,670.44
50 32307-Feb-31$571$224$103,741$186,099.53
50 32421-Feb-31$572$223$103,964$185,527.93
50 32507-Mar-31$572$223$104,186$184,955.64
50 32621-Mar-31$573$222$104,408$184,382.67
50 32704-Apr-31$574$221$104,629$183,809.01
50 32818-Apr-31$574$220$104,850$183,234.66
50 32902-May-31$575$220$105,070$182,659.62
50 33016-May-31$576$219$105,289$182,083.89
50 33130-May-31$576$218$105,507$181,507.47
50 33213-Jun-31$577$218$105,725$180,930.36
50 33327-Jun-31$578$217$105,942$180,352.56
50 33411-Jul-31$578$216$106,158$179,774.07
50 33525-Jul-31$579$216$106,374$179,194.88
50 33608-Aug-31$580$215$106,589$178,615.00
50 33722-Aug-31$581$214$106,803$178,034.42
50 33805-Sep-31$581$214$107,017$177,453.15
50 33919-Sep-31$582$213$107,230$176,871.18
50 34003-Oct-31$583$212$107,442$176,288.51
50 34117-Oct-31$583$211$107,653$175,705.14
50 34231-Oct-31$584$211$107,864$175,121.07
50 34314-Nov-31$585$210$108,074$174,536.30
50 34428-Nov-31$585$209$108,283$173,950.83
50 34512-Dec-31$586$209$108,492$173,364.66
50 34626-Dec-31$587$208$108,700$172,777.78
51 34709-Jan-32$588$207$108,907$172,190.20
51 34823-Jan-32$588$207$109,114$171,601.92
51 34906-Feb-32$589$206$109,320$171,012.93
51 35020-Feb-32$590$205$109,525$170,423.23
51 35105-Mar-32$590$204$109,729$169,832.83
51 35219-Mar-32$591$204$109,933$169,241.72
51 35302-Apr-32$592$203$110,136$168,649.90
51 35416-Apr-32$593$202$110,338$168,057.37
51 35530-Apr-32$593$202$110,540$167,464.13
51 35614-May-32$594$201$110,741$166,870.18
51 35728-May-32$595$200$110,941$166,275.51
51 35811-Jun-32$595$199$111,140$165,680.13
51 35925-Jun-32$596$199$111,339$165,084.04
51 36009-Jul-32$597$198$111,537$164,487.23
51 36123-Jul-32$598$197$111,734$163,889.71
51 36206-Aug-32$598$197$111,931$163,291.47
51 36320-Aug-32$599$196$112,127$162,692.51
51 36403-Sep-32$600$195$112,322$162,092.83
51 36517-Sep-32$600$194$112,516$161,492.43
51 36601-Oct-32$601$194$112,710$160,891.31
51 36715-Oct-32$602$193$112,903$160,289.47
51 36829-Oct-32$603$192$113,095$159,686.91
51 36912-Nov-32$603$192$113,287$159,083.63
51 37026-Nov-32$604$191$113,478$158,479.62
51 37110-Dec-32$605$190$113,668$157,874.89
51 37224-Dec-32$605$189$113,857$157,269.43
52 37307-Jan-33$606$189$114,046$156,663.25
52 37421-Jan-33$607$188$114,234$156,056.34
52 37504-Feb-33$608$187$114,421$155,448.70
52 37618-Feb-33$608$186$114,607$154,840.33
52 37704-Mar-33$609$186$114,793$154,231.23
52 37818-Mar-33$610$185$114,978$153,621.40
52 37901-Apr-33$611$184$115,162$153,010.84
52 38015-Apr-33$611$184$115,346$152,399.55
52 38129-Apr-33$612$183$115,529$151,787.53
52 38213-May-33$613$182$115,711$151,174.77
52 38327-May-33$613$181$115,892$150,561.28
52 38410-Jun-33$614$181$116,073$149,947.05
52 38524-Jun-33$615$180$116,253$149,332.08
52 38608-Jul-33$616$179$116,432$148,716.38
52 38722-Jul-33$616$178$116,610$148,099.94
52 38805-Aug-33$617$178$116,788$147,482.76
52 38919-Aug-33$618$177$116,965$146,864.84
52 39002-Sep-33$619$176$117,141$146,246.18
52 39116-Sep-33$619$175$117,316$145,626.78
52 39230-Sep-33$620$175$117,491$145,006.63
52 39314-Oct-33$621$174$117,665$144,385.74
52 39428-Oct-33$622$173$117,838$143,764.10
52 39511-Nov-33$622$172$118,011$143,141.72
52 39625-Nov-33$623$172$118,182$142,518.59
52 39709-Dec-33$624$171$118,353$141,894.71
52 39823-Dec-33$625$170$118,523$141,270.09
53 39906-Jan-34$625$169$118,693$140,644.72
53 40020-Jan-34$626$169$118,862$140,018.60
53 40103-Feb-34$627$168$119,030$139,391.73
53 40217-Feb-34$628$167$119,197$138,764.10
53 40303-Mar-34$628$166$119,363$138,135.72
53 40417-Mar-34$629$166$119,529$137,506.59
53 40531-Mar-34$630$165$119,694$136,876.70
53 40614-Apr-34$631$164$119,858$136,246.06
53 40728-Apr-34$631$163$120,021$135,614.66
53 40812-May-34$632$163$120,184$134,982.50
53 40926-May-34$633$162$120,346$134,349.58
53 41009-Jun-34$634$161$120,507$133,715.91
53 41123-Jun-34$634$160$120,668$133,081.48
53 41207-Jul-34$635$160$120,827$132,446.28
53 41321-Jul-34$636$159$120,986$131,810.32
53 41404-Aug-34$637$158$121,144$131,173.60
53 41518-Aug-34$637$157$121,302$130,536.12
53 41601-Sep-34$638$157$121,458$129,897.87
53 41715-Sep-34$639$156$121,614$129,258.86
53 41829-Sep-34$640$155$121,769$128,619.08
53 41913-Oct-34$641$154$121,923$127,978.53
53 42027-Oct-34$641$154$122,077$127,337.21
53 42110-Nov-34$642$153$122,230$126,695.12
53 42224-Nov-34$643$152$122,382$126,052.26
53 42308-Dec-34$644$151$122,533$125,408.63
53 42422-Dec-34$644$150$122,683$124,764.23
54 42505-Jan-35$645$150$122,833$124,119.06
54 42619-Jan-35$646$149$122,982$123,473.11
54 42702-Feb-35$647$148$123,130$122,826.39
54 42816-Feb-35$648$147$123,277$122,178.89
54 42902-Mar-35$648$147$123,424$121,530.62
54 43016-Mar-35$649$146$123,569$120,881.57
54 43130-Mar-35$650$145$123,714$120,231.74
54 43213-Apr-35$651$144$123,859$119,581.13
54 43327-Apr-35$651$143$124,002$118,929.74
54 43411-May-35$652$143$124,145$118,277.57
54 43525-May-35$653$142$124,287$117,624.62
54 43608-Jun-35$654$141$124,428$116,970.88
54 43722-Jun-35$655$140$124,568$116,316.36
54 43806-Jul-35$655$140$124,708$115,661.05
54 43920-Jul-35$656$139$124,846$115,004.96
54 44003-Aug-35$657$138$124,984$114,348.08
54 44117-Aug-35$658$137$125,121$113,690.41
54 44231-Aug-35$658$136$125,258$113,031.95
54 44314-Sep-35$659$136$125,393$112,372.70
54 44428-Sep-35$660$135$125,528$111,712.66
54 44512-Oct-35$661$134$125,662$111,051.83
54 44626-Oct-35$662$133$125,795$110,390.21
54 44709-Nov-35$662$132$125,928$109,727.80
54 44823-Nov-35$663$132$126,059$109,064.59
54 44907-Dec-35$664$131$126,190$108,400.59
54 45021-Dec-35$665$130$126,320$107,735.79
55 45104-Jan-36$666$129$126,450$107,070.19
55 45218-Jan-36$666$128$126,578$106,403.79
55 45301-Feb-36$667$128$126,706$105,736.59
55 45415-Feb-36$668$127$126,832$105,068.59
55 45529-Feb-36$669$126$126,958$104,399.79
55 45614-Mar-36$670$125$127,084$103,730.19
55 45728-Mar-36$670$124$127,208$103,059.79
55 45811-Apr-36$671$124$127,332$102,388.58
55 45925-Apr-36$672$123$127,455$101,716.57
55 46009-May-36$673$122$127,577$101,043.75
55 46123-May-36$674$121$127,698$100,370.12
55 46206-Jun-36$674$120$127,818$99,695.69
55 46320-Jun-36$675$120$127,938$99,020.45
55 46404-Jul-36$676$119$128,057$98,344.40
55 46518-Jul-36$677$118$128,174$97,667.54
55 46601-Aug-36$678$117$128,292$96,989.86
55 46715-Aug-36$678$116$128,408$96,311.37
55 46829-Aug-36$679$116$128,524$95,632.07
55 46912-Sep-36$680$115$128,638$94,951.95
55 47026-Sep-36$681$114$128,752$94,271.02
55 47110-Oct-36$682$113$128,865$93,589.27
55 47224-Oct-36$683$112$128,977$92,906.70
55 47307-Nov-36$683$111$129,089$92,223.31
55 47421-Nov-36$684$111$129,200$91,539.10
55 47505-Dec-36$685$110$129,309$90,854.07
55 47619-Dec-36$686$109$129,418$90,168.22
56 47702-Jan-37$687$108$129,526$89,481.55
56 47816-Jan-37$687$107$129,634$88,794.06
56 47930-Jan-37$688$107$129,740$88,105.74
56 48013-Feb-37$689$106$129,846$87,416.59
56 48127-Feb-37$690$105$129,951$86,726.62
56 48213-Mar-37$691$104$130,055$86,035.82
56 48327-Mar-37$692$103$130,158$85,344.19
56 48410-Apr-37$692$102$130,260$84,651.73
56 48524-Apr-37$693$102$130,362$83,958.44
56 48608-May-37$694$101$130,463$83,264.32
56 48722-May-37$695$100$130,563$82,569.37
56 48805-Jun-37$696$99$130,662$81,873.58
56 48919-Jun-37$697$98$130,760$81,176.96
56 49003-Jul-37$697$97$130,857$80,479.50
56 49117-Jul-37$698$97$130,954$79,781.21
56 49231-Jul-37$699$96$131,049$79,082.08
56 49314-Aug-37$700$95$131,144$78,382.11
56 49428-Aug-37$701$94$131,238$77,681.30
56 49511-Sep-37$702$93$131,332$76,979.65
56 49625-Sep-37$702$92$131,424$76,277.16
56 49709-Oct-37$703$92$131,515$75,573.83
56 49823-Oct-37$704$91$131,606$74,869.65
56 49906-Nov-37$705$90$131,696$74,164.63
56 50020-Nov-37$706$89$131,785$73,458.76
56 50104-Dec-37$707$88$131,873$72,752.05
56 50218-Dec-37$708$87$131,960$72,044.49
57 50301-Jan-38$708$86$132,047$71,336.08
57 50415-Jan-38$709$86$132,132$70,626.82
57 50529-Jan-38$710$85$132,217$69,916.71
57 50612-Feb-38$711$84$132,301$69,205.75
57 50726-Feb-38$712$83$132,384$68,493.93
57 50812-Mar-38$713$82$132,466$67,781.26
57 50926-Mar-38$714$81$132,547$67,067.74
57 51009-Apr-38$714$80$132,628$66,353.36
57 51123-Apr-38$715$80$132,707$65,638.12
57 51207-May-38$716$79$132,786$64,922.02
57 51321-May-38$717$78$132,864$64,205.07
57 51404-Jun-38$718$77$132,941$63,487.26
57 51518-Jun-38$719$76$133,017$62,768.58
57 51602-Jul-38$720$75$133,092$62,049.04
57 51716-Jul-38$720$74$133,167$61,328.64
57 51830-Jul-38$721$74$133,240$60,607.38
57 51913-Aug-38$722$73$133,313$59,885.25
57 52027-Aug-38$723$72$133,385$59,162.25
57 52110-Sep-38$724$71$133,456$58,438.39
57 52224-Sep-38$725$70$133,526$57,713.66
57 52308-Oct-38$726$69$133,595$56,988.06
57 52422-Oct-38$726$68$133,664$56,261.59
57 52505-Nov-38$727$67$133,731$55,534.25
57 52619-Nov-38$728$67$133,798$54,806.03
57 52703-Dec-38$729$66$133,863$54,076.94
57 52817-Dec-38$730$65$133,928$53,346.98
57 52931-Dec-38$731$64$133,992$52,616.14
58 53014-Jan-39$732$63$134,055$51,884.42
58 53128-Jan-39$733$62$134,118$51,151.83
58 53211-Feb-39$733$61$134,179$50,418.36
58 53325-Feb-39$734$60$134,239$49,684.01
58 53411-Mar-39$735$60$134,299$48,948.78
58 53525-Mar-39$736$59$134,358$48,212.67
58 53608-Apr-39$737$58$134,416$47,475.67
58 53722-Apr-39$738$57$134,473$46,737.79
58 53806-May-39$739$56$134,529$45,999.02
58 53920-May-39$740$55$134,584$45,259.37
58 54003-Jun-39$741$54$134,638$44,518.83
58 54117-Jun-39$741$53$134,691$43,777.40
58 54201-Jul-39$742$53$134,744$43,035.08
58 54315-Jul-39$743$52$134,796$42,291.87
58 54429-Jul-39$744$51$134,846$41,547.77
58 54512-Aug-39$745$50$134,896$40,802.78
58 54626-Aug-39$746$49$134,945$40,056.89
58 54709-Sep-39$747$48$134,993$39,310.11
58 54823-Sep-39$748$47$135,040$38,562.43
58 54907-Oct-39$749$46$135,087$37,813.86
58 55021-Oct-39$749$45$135,132$37,064.39
58 55104-Nov-39$750$44$135,176$36,314.02
58 55218-Nov-39$751$44$135,220$35,562.75
58 55302-Dec-39$752$43$135,263$34,810.58
58 55416-Dec-39$753$42$135,304$34,057.51
58 55530-Dec-39$754$41$135,345$33,303.53
59 55613-Jan-40$755$40$135,385$32,548.65
59 55727-Jan-40$756$39$135,424$31,792.86
59 55810-Feb-40$757$38$135,462$31,036.17
59 55924-Feb-40$758$37$135,500$30,278.57
59 56009-Mar-40$759$36$135,536$29,520.06
59 56123-Mar-40$759$35$135,571$28,760.64
59 56206-Apr-40$760$35$135,606$28,000.31
59 56320-Apr-40$761$34$135,639$27,239.07
59 56404-May-40$762$33$135,672$26,476.91
59 56518-May-40$763$32$135,704$25,713.84
59 56601-Jun-40$764$31$135,735$24,949.85
59 56715-Jun-40$765$30$135,765$24,184.95
59 56829-Jun-40$766$29$135,794$23,419.13
59 56913-Jul-40$767$28$135,822$22,652.39
59 57027-Jul-40$768$27$135,849$21,884.73
59 57110-Aug-40$769$26$135,875$21,116.15
59 57224-Aug-40$770$25$135,900$20,346.65
59 57307-Sep-40$770$24$135,925$19,576.23
59 57421-Sep-40$771$23$135,948$18,804.88
59 57505-Oct-40$772$23$135,971$18,032.61
59 57619-Oct-40$773$22$135,992$17,259.41
59 57702-Nov-40$774$21$136,013$16,485.28
59 57816-Nov-40$775$20$136,033$15,710.22
59 57930-Nov-40$776$19$136,052$14,934.23
59 58014-Dec-40$777$18$136,070$14,157.31
59 58128-Dec-40$778$17$136,087$13,379.46
60 58211-Jan-41$779$16$136,103$12,600.68
60 58325-Jan-41$780$15$136,118$11,820.96
60 58408-Feb-41$781$14$136,132$11,040.31
60 58522-Feb-41$782$13$136,145$10,258.72
60 58608-Mar-41$783$12$136,158$9,476.20
60 58722-Mar-41$783$11$136,169$8,692.74
60 58805-Apr-41$784$10$136,179$7,908.34
60 58919-Apr-41$785$9$136,189$7,123.00
60 59003-May-41$786$9$136,197$6,336.71
60 59117-May-41$787$8$136,205$5,549.48
60 59231-May-41$788$7$136,212$4,761.31
60 59314-Jun-41$789$6$136,217$3,972.19
60 59428-Jun-41$790$5$136,222$3,182.12
60 59512-Jul-41$791$4$136,226$2,391.11
60 59626-Jul-41$792$3$136,229$1,599.15
60 59709-Aug-41$793$2$136,231$806.24
60 59823-Aug-41$794$1$136,232$12.38
60 59906-Sep-41$12$0$136,232$0.00

My Status Quo Equals:

It's 2041

I am mortgage FREE in 2041.

Nearing my 60th birthday.

I've paid $795 every two weeks to Scotiabank over the past 23 years.

I've made 599 mortgage payments.

In total,

I've paid

I've paid

in interest with my after tax money.

Given 30% tax rate,

I've earned

of salary

to cover my 339K mortgage.

At $60,000 a year salary,

Am I happy to be a home owner....

.....23 years later?

I figured,  I don't have the patience for 23 more years of bi-weekly mortgage payments.

Hence, here is Plan B:

AgePeriodPayment DatePrincipalInterestTotal InterestBalance
37 105-Oct-18$388$407$407$338,701
37 Prepayment05-Oct-18$14,063$0$407$324,638
37 219-Oct-18$405$389$796$324,232
37 302-Nov-18$406$389$1,185$323,827
37 416-Nov-18$406$388$1,574$323,420
37 530-Nov-18$407$388$1,961$323,013
37 614-Dec-18$407$387$2,349$322,606
37 728-Dec-18$408$387$2,736$322,198
38 811-Jan-19$408$386$3,122$321,790
38 Prepayment11-Jan-19$14,063$0$3,122$307,727
38 925-Jan-19$426$369$3,491$307,301
38 1008-Feb-19$426$369$3,860$306,875
38 1122-Feb-19$427$368$4,228$306,448
38 1208-Mar-19$427$368$4,596$306,021
38 1322-Mar-19$428$367$4,963$305,593
38 1405-Apr-19$428$367$5,329$305,165
38 Prepayment05-Apr-19$14,063$0$5,329$291,102
38 1519-Apr-19$446$349$5,679$290,656
38 1603-May-19$446$349$6,027$290,210
38 1717-May-19$447$348$6,375$289,763
38 1831-May-19$447$348$6,723$289,316
38 1914-Jun-19$448$347$7,070$288,868
38 2028-Jun-19$448$347$7,417$288,420
38 2112-Jul-19$449$346$7,762$287,971
38 Prepayment12-Jul-19$14,063$0$7,762$273,908
38 2226-Jul-19$466$329$8,091$273,442
38 2309-Aug-19$467$328$8,419$272,975
38 2423-Aug-19$467$327$8,746$272,508
38 2506-Sep-19$468$327$9,073$272,040
38 2620-Sep-19$469$326$9,400$271,571
38 2704-Oct-19$469$326$9,725$271,102
38 2818-Oct-19$470$325$10,051$270,632
38 Prepayment18-Oct-19$14,063$0$10,051$256,569
38 2901-Nov-19$487$308$10,358$256,082
38 3015-Nov-19$488$307$10,666$255,595
38 3129-Nov-19$488$307$10,972$255,106
38 3213-Dec-19$489$306$11,278$254,618
38 3327-Dec-19$489$305$11,584$254,128
39 3410-Jan-20$490$305$11,888$253,638
39 Prepayment10-Jan-20$14,063$0$11,888$239,575
39 3524-Jan-20$507$287$12,176$239,068
39 3607-Feb-20$508$287$12,463$238,560
39 3721-Feb-20$509$286$12,749$238,051
39 3806-Mar-20$509$286$13,034$237,542
39 3920-Mar-20$510$285$13,319$237,032
39 4003-Apr-20$511$284$13,604$236,521
39 4117-Apr-20$511$284$13,887$236,010
39 Prepayment17-Apr-20$14,063$0$13,887$221,947
39 4201-May-20$529$266$14,153$221,419
39 4315-May-20$529$266$14,419$220,889
39 4429-May-20$530$265$14,684$220,360
39 4512-Jun-20$531$264$14,948$219,829
39 4626-Jun-20$531$264$15,212$219,298
39 4710-Jul-20$532$263$15,475$218,766
39 Prepayment10-Jul-20$14,063$0$15,475$204,703
39 4824-Jul-20$549$246$15,721$204,154
39 4907-Aug-20$550$245$15,966$203,604
39 5021-Aug-20$551$244$16,210$203,053
39 5104-Sep-20$551$244$16,453$202,502
39 5218-Sep-20$552$243$16,696$201,950
39 5302-Oct-20$553$242$16,938$201,398
39 5416-Oct-20$553$242$17,180$200,844
39 Prepayment16-Oct-20$14,063$0$17,180$186,781
39 5530-Oct-20$571$224$17,404$186,210
39 5613-Nov-20$571$223$17,627$185,639
39 5727-Nov-20$572$223$17,850$185,067
39 5811-Dec-20$573$222$18,072$184,494
39 5925-Dec-20$574$221$18,293$183,920
40 6008-Jan-21$574$221$18,514$183,346
40 Prepayment08-Jan-21$14,063$0$18,514$169,283
40 6122-Jan-21$592$203$18,717$168,692
40 6205-Feb-21$592$202$18,919$168,099
40 6319-Feb-21$593$202$19,121$167,506
40 6405-Mar-21$594$201$19,322$166,912
40 6519-Mar-21$595$200$19,522$166,317
40 6602-Apr-21$595$200$19,722$165,722
40 6716-Apr-21$596$199$19,921$165,126
40 Prepayment16-Apr-21$14,063$0$19,921$151,063
40 6830-Apr-21$614$181$20,102$150,449
40 6914-May-21$614$180$20,282$149,835
40 7028-May-21$615$180$20,462$149,220
40 7111-Jun-21$616$179$20,641$148,604
40 7225-Jun-21$617$178$20,819$147,987
40 7309-Jul-21$617$178$20,997$147,370
40 Prepayment09-Jul-21$14,063$0$20,997$133,307
40 7423-Jul-21$635$160$21,157$132,672
40 7506-Aug-21$636$159$21,316$132,036
40 7620-Aug-21$636$158$21,474$131,400
40 7703-Sep-21$637$158$21,632$130,763
40 7817-Sep-21$638$157$21,789$130,125
40 7901-Oct-21$639$156$21,945$129,486
40 8015-Oct-21$640$155$22,100$128,847
40 Prepayment15-Oct-21$14,063$0$22,100$114,784
40 8129-Oct-21$657$138$22,238$114,126
40 8212-Nov-21$658$137$22,375$113,469
40 8326-Nov-21$659$136$22,511$112,810
40 8410-Dec-21$660$135$22,646$112,150
40 8524-Dec-21$660$135$22,781$111,490
41 8607-Jan-22$661$134$22,914$110,829
41 Prepayment07-Jan-22$14,063$0$22,914$96,766
41 8721-Jan-22$679$116$23,030$96,087
41 8804-Feb-22$680$115$23,146$95,408
41 8918-Feb-22$680$114$23,260$94,727
41 9004-Mar-22$681$114$23,374$94,046
41 9118-Mar-22$682$113$23,486$93,364
41 9201-Apr-22$683$112$23,598$92,681
41 9315-Apr-22$684$111$23,710$91,997
41 Prepayment15-Apr-22$14,063$0$23,710$77,934
41 9429-Apr-22$701$93$23,803$77,233
41 9513-May-22$702$93$23,896$76,531
41 9627-May-22$703$92$23,988$75,828
41 9710-Jun-22$704$91$24,079$75,124
41 9824-Jun-22$705$90$24,169$74,419
41 9908-Jul-22$706$89$24,258$73,714
41 Prepayment08-Jul-22$14,063$0$24,258$59,651
41 10022-Jul-22$723$72$24,329$58,927
41 10105-Aug-22$724$71$24,400$58,203
41 10219-Aug-22$725$70$24,470$57,478
41 10302-Sep-22$726$69$24,539$56,752
41 10416-Sep-22$727$68$24,607$56,026
41 10530-Sep-22$728$67$24,674$55,298
41 10614-Oct-22$729$66$24,741$54,570
41 Prepayment14-Oct-22$14,063$0$24,741$40,507
41 10728-Oct-22$746$49$24,789$39,760
41 10811-Nov-22$747$48$24,837$39,013
41 10925-Nov-22$748$47$24,884$38,265
41 11009-Dec-22$749$46$24,930$37,516
41 11123-Dec-22$750$45$24,975$36,766
42 11206-Jan-23$751$44$25,019$36,016
42 Prepayment06-Jan-23$14,063$0$25,019$21,953
42 11320-Jan-23$769$26$25,045$21,184
42 11403-Feb-23$769$25$25,070$20,415
42 11517-Feb-23$770$24$25,095$19,644
42 11603-Mar-23$771$24$25,118$18,873
42 11717-Mar-23$772$23$25,141$18,101
42 11831-Mar-23$773$22$25,163$17,328
42 11914-Apr-23$774$21$25,184$16,554
42 Prepayment14-Apr-23$14,063$0$25,184$2,491
42 12028-Apr-23$792$3$25,187$1,699
42 12112-May-23$793$2$25,189$906
42 12226-May-23$794$1$25,190$112
42 12309-Jun-23$112$0$25,190$0

The New Plan Is:

Mortgage FREE by 2023

I am mortgage FREE by 2023.

I've paid $795 every two weeks to Scotiabank
and made 42 regular mortgage payments.

I've also made quarterly accelerated payments using my
line of credit!

Altogether, I paid $364,279.00 to pay off
the principal of $339,089.

I now have an opportunity to leverage my home
and invest over $270,000.

Hence, I no longer spend $1,722 a month on my mortgage.

What's even better,

I now make at least $1,000 monthly from

my investments.

My disposable income is up

by $2,722 every month.

Yippeee! I am happy.


text:
Alexandra Greenspan

The Fascinating World of Fungi

In fall 2013, I and three others worked with the Santa Cruz Children's Museum of Discovery to create a fun and educational exhibit on fungi. Our design process included reading up on both museums and fungi, as well as visiting the Habitot Museum in Downtown Berkeley to observe children in an interactive museum environment. Throughout this process, we iterated on our ideas of what the museum exhibit should include and how it should convey the material. Some ideas at the early stages included large touch-screen walls and giant foam mushrooms.

At Habitot, we saw children playing in a "grocery store" where they could ring up food for their parents and imitate actions they've seen outside the museum. In our fungi exhibit, we hope to take something familiar to children - being outdoors - and teach them things in that same environment. Once beyond the museum walls, children will be able to point out what they've learned while simply playing outside. On the smallest scale, we hope to spark children's curiosity about the natural world before them.

Toward the middle of the semester, we decided to narrow our focus into answering questions, which we called "Learning Objectives." From there we considered the senses we wanted to engage in answering these questions. It was then that we realized we wanted to create an exhibit prototype that brought the outside world into the museum.

Prototyping materials

Final Product

Our design features a two story exhibit that slopes from one floor to the next. Visitors begin "underground," getting an up close view of the roots and dirt that mycelium thrives on. As visitors journey through the exhibit, they move from underground to above ground, all the while gaining an understanding of what fungi is and its importance to themselves and the environment. There will be interactive activities throughout the journey.

Once visitors reach the grass and trees of the second story, they see the mushrooms they know, and learn about the many types that have a place in the world - including mushrooms specific to Santa Cruz, so children can relate what they learn even more to their own lives. At the highest point in the exhibit is the Storytelling Tree, where children can gather round in a circle known as a "fairy ring" and listen to stories that are reminiscent of fungal folklore of the past. But watch for the point in the story that calls for rain - because that's when all the mushrooms will light up and glow around the second floor!

Final prototype

For more images, check out our Behance portfolio piece.

To read about our collaboration with the museum, check out their blog post.


text:
November 14, 2016

How Max Verstappen exposed Formula One groupthink.

"Max Verstappen is redefining physics"

Startling statement from Toto Wolff, a man now at the pinnacle of Motorsport and one who has some understanding of physics himself.

But what Max should really get credit for is exposing Formula One groupthink.

Because what Verstappen did was something many of you with even basic track experience will understand,  he drove classic rain lines!

Driving off line and avoiding apes?  That's Skip Barber racing in the rain 101.

We got driver coach Peter Krause  on the horn:
"Max was doing everything Bruce MacInnes and other Skippy instructors have taught for four decades!"

So, the bigger question: are we to believe the top drivers in the world (and if you doubt they are, you didn't watch the race in Interlagos)  forgot how to drive in the rain?

Not exactly, but Verstappen exposed the rut many of them may be stuck in.

For years, high downforce and very good rain tires allowed drivers to largely ignore rain lines, relying on car setup to drive the essentially the same places on the track they would in the dry.   In Brazil,  a combination of factors dropped grip  below a certain critical threshold  yet most drivers appeared to not adjust their approach.

We also asked coaching guru Ross Bentley to weigh in:

"Verstappen's performance in Brazil illustrates a few things.  First, with youth often comes a good form of not knowing what you shouldn't do. In other words, he's naive, but in a positive way. Too many drivers, after just a few years, start to follow what they think they should do. And they believe what they think they should believe. Verstappen doesn't believe he has any limits, and that's why he's doing what he's doing in F1. Let's hope he continues this way, because it's what Senna and Schumacher did longer than most."
When I hear people like Toto Wolff saying things like Verstappen is "redefining physics," it also shows how even people at the top of the sport can get into this "follow others" mindset. Verstappen isn't redefining physics. He simply drove further off line than other drivers because he wasn't set in his ways, and there is more grip that far off line. On one hand, what Verstappen did was nothing special - go to any junior formula race and you'll see a lot of that. On the other hand, what he did was special because he didn't follow everyone else, or the way others think.!

Peter Krause again:

This is the problem with the "funnel" approach. The higher they get, the narrower their view on what works. VES might be a tad immature, but he goes where there is grip, and he has ultimate confidence that IF he gets into trouble, he has the skillz to get out of it. Witness the epic save!

Yes "THAT" save, Let's have a quick parenthesis there.   I think even the most rabid Max fanboy will admit there was an element of luck involved but that said,  Max did everything he could, phenomenally right.     Pay attention how, once the car is sliding well over a 45 degrees to the direction of travel he locks the tires and straightens the wheel.  This gives him the best possible opportunity to prevent a tank slapper once the car straightens out in one direction or the other.    The true magic moment is the precision and timing of when Verstappen releases the brakes, taming momentum and catching the car.

A lot of drivers made a lot of saves this year at Interlagos. They will not get the glory the Dutchman will get and,  in part,  that's because it's show business.

Ross Bentley:

When TV commentators and journalists rage about a driver's performance, and wonder how he's doing it, remember that they're being paid to entertain. Former drivers who are making comments know what's going on, but it's more entertaining to marvel at the situation. Or maybe they've just forgotten what it was like to be young and naive!

Young and naive FTW then,  it's all about an open mind.  A good lesson for all, no matter where you race or how old you are!

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What's the best sound setup for my Morton Arboretum wedding ceremony?

My teams play music at Morton Arbretum wedding ceremonies a LOT. In the height of the Chicago season, it seems like hardly a week goes by without at least one Backthird DJ, jazz group or string ensemble setting up there. And yet one thing we love about Arboretum weddings is that, if you get married there, your event won't unfold quite like anyone else's. The sheer number of spaces and the many ways to use them ensures that every couple's night takes a very personal shape.

Couples saying vows at Morton Arboretum have a lot of gardens, lawns and rooms to choose from. It's no wonder, then, that one of the biggest questions Backthird office staff get is "What kind of sound setup does my wedding ceremony need?"

What follows is our specific advice for various Morton Arboretum wedding ceremony spaces. In every case, the goal is the same: To allow all of your guests to hear all of your ceremony without difficulty. For some areas, that means microphones are a must - in others, you could skip the sound setup and go entirely acoustic if your guest list is small.You can check out my general advice on ceremony sound in this post. Here's how it breaks down for Arboretum ceremonies.

See our Arboretum wedding packages and pricing.

Arboretum_sound_-_body-500008-edited.pngCeremonies near the Visitor Center

The Visitor Center is where The Ginkgo Room and Orientation Hall, Morton Arboretum's largest reception spaces, can be found. If your guest list is much larger than 150, you're probably planning to party in and around these spaces.

The Hedge Garden is a wonderful space for a wedding ceremony - just a short walk from the Visitor Center, it's easy to access but the high hedges all around give a sense of quiet seclusion. You'll definitely want microphones for your officiant and other speakers for this large space - we often send Backthird sound engineers with two speakers, so they can spread them along the side of the space to help everyone hear clearly without cranking the volume too high. It's easy to tuck equipment behind a hedge, so no sound gear shows up in your photos.

There's not a ton of shade in the Hedge Garden, so your guests will need to be willing to walk a short distance and catch a few rays. We've actually seen clever couples integrate fans or bug repellant into their decor with charming results.

The Ginkgo Room and the Sycamore Room are nearby - if you've booked your reception in one of these rooms, your reception space will also double as a rain or cold-weather location for your Arboretum ceremony. We've seen some beautiful ceremonies in these spaces, which both offer great views of the Morton grounds. We recommend a sound system and microphones for both these larger rooms if you want guests to hear your vows well.

Finally, the lawn outside the Sycamore Room is a lovely space for outdoor events as well. You'll definitely want a sound system here, even for a smaller ceremony, since the space is very open. Unamplified voices will disappear in the open air, leaving guests in the back rows unable to hear what's happening. If you're getting married early on an August afternoon, this lawn may not be the spot for you - there's no shade, and guests in formal clothes will get hot fast.

Ceremonies near the Thornhill Center

Thornhill is the home of the Arbor Room and the Founders Room - charming event spaces where you're more likely to celbrate if your guest list is closer to the 100-person mark. There are also some wonderful outdoor locations nearby.

The Thornhill Lawn, Morton Terrace and Thornhill patio are all popular spots for an outdoor wedding ceremony. Speakers and microphones are a must at any of these locations unless you're planning a very small ceremony (fewer than 50 guests). As an added note, be aware that while ceremonies on the lawn can be stunning, getting there means a good 100-yard walk down the hill in the grass. If mobility is a challenge for some of your guests, consider the more easily accessed patio or terrace first.

photo by Jolie Images

Finally, the Founder's Room is a striking space that works for smaller dinners, for dancing - and for wedding ceremonies. And with so much hard wood, stone and glass, the Founder's Room is an acoustic wonder - its reflective character makes violins and cellos resonate beautifully. That also means you should NOT need to use microphones during your ceremony - unless, that is, you're expecting 100 or more guests. (Why? Because human bodies absorb sound - so even in a resonant space like this, we recommend boosting your officiant's volume if your guest list is in the triple digits.)

How well do I have to understand my setup needs?

I hope this article helps clear up some concerns - but you do NOT need to be a sound expert to get married. In fact, you've got better things to do!

At Backthird, we assign every couple an Account Manager whose job it is to understand the details of your wedding day and put a plan together for you. You tell us what kind of music you're into, and let us worry about the technical requirements. We include them automatically in every quote we write.

Most reputable entertainment companies should work this way - you tell them what you like, and they'll work out on their own the best way to make it happen. Just be aware that locations with more complicated sound needs tend to cost a little more.

How much more? Download the guide below to see specifics on what different wedding setups cost at Backthird. For more Arboretum advice, read my Top 3 Do's and Don'ts for Morton Arboretum weddings, or take a look at our most popular Morton Arboretum wedding plans & prices.

What did other couples pay for music? See their plans here.


text:
The perfect bikini for your winter getaway

By March 2, 2017Collections, News, Travel

Are you ready for bikini season?

It’s no secret that our favorite season is summer and that we cannot wait to spend all of our free time at the beach. But before we can feel super confident about wearing our hottest bikini we need to warm up a little bit to the season!

We all know that it can be difficult sometimes to ditch comfy sweaters and scarves for some itsy bitsy bikini. Whether you choose a warm destination for your vacation, going to a Spa to relax or you are getting ready for the next festival music, you want to make sure you feel amazing in your swimsuit !

We put together a few options that will make you feel confident about wearing your swimsuit.

Mosaic-maillots-noirsFind the right style

One piece

One piece swimsuit is the ultimate fashion accessory and a must have in your wardrobe. If you want to transition to summer with class and style, a one piece might be the best option. It will make you feel comfortable and sculpt your silhouette.

If you are going for a sexy and glamorous look you will love our Millennium One Piece.

Millenium-1pieceBe bold and go for our Socaly swimsuit.

socaly-1piece2 pieces

Feeling comfortable and confident is the secret to looking amazing ! Make sure to pick a shape that makes you feel good.

You can stop by in the nearest store to shop for bikini here, we’ll help you find the style that suits you best.

You can also take a look at our products online and shop by shape, coverage and style!

sandjactio-2piecesFind the right colors

When it comes to feeling great in a swimsuit it’s not just about finding the right shape and style, your choice of color is also very important.

Deep & earth tones

If you didn’t manage to work on your tan yet and your skin tone is rather light then you should go for deep and earth tones. Red, burgundy, Olive green, terracotta and any other bold colors is flattering for a light skin tone.MAASAI_BANANA_MOON_2_PIECES

Flawless in Black

Nothing can go wrong with a black swimsuit: On top of being the most slimming and lengthening color, black looks good on any skin tone, hair color and body shape! It’s a must have in your wardrobe, and the perfect piece to start the bikini season with confidence and style.


text:
Bend Oregon Ranked Best Housing Market for Next Five Years

Back in July I posted that Business Insider had Bend ranked as the second best housing market to be invested in during the next five years. The ranking was based on data compiled from Fiserv Case Schiller Indexes comparing the price change between two arms-length sales of the same single-family home. Earlier this month Business Insider combed the indexes again to compile an updated list. The new list has Bend ranked as THE BEST housing market for the next five years. They don’t offer any insight as to what might have changed to cause former #1 Carson City’s projected annualized growth to drop from 11.7% to 10% and Bend’s to improve from 11.7% to 11.9% during the last six months. However, the fact that they continue to see continued growth in the housing market here is definitely a good sign.

Business Insider’s projections of nearly 12% annual growth over the next five years is a good sign that we may be at or near the bottom of the market.  One piece of information from Business Insider that is easy to overlook is the sentence about how far prices have fallen since the peak in the first quarter of 2007. In their latest release they say that home prices in Bend are now 45.2% below the peak. Just six months ago they said home prices were 42% below the peak. That means home prices have fallen 3% in six months but there is a caveat. In July they said that the price of homes in Bend was expected to “trough” in the third quarter of 2011. This means it is still possible for their projection to be accurate. Possible but not likely because for their July projection of 11.7% annualized growth to be accurate we would need to see nearly 15% growth over the next six months.

Maybe we won’t see the price of homes grow by more than 11% in the twelve months ending June 2012 but that doesn’t mean that you should wait to see that kind of growth before you buy. To the contrary, if you wait until home prices are growing at 10% per year then you have missed the bottom of the market. Now is the time to be watching for that perfect house and have your realtor on speed dial. If you would like to explore homes for sale in Bend and Central Oregon please call or email us for a personalized list of homes for sale in your price range or search Bend MLS.

Update:  House prices in Bend continued to rise at a steady rate throughout 2012 and the first quarter of 2013.

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About Dan Seim

Dan Seim is the primary contributor to Preferred Residential's blog. He has been writing about real estate issues that affect home owners in Bend and Central Oregon since 2011.


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Forest Service Christmas Tree Permits

Now that Thanksgiving is over we can begin thinking about Christmas and putting up trees and decorations.  If you want the “fun, old-fashioned, family Christmas” experience of going out to the forest to find that perfect tree like the Griswolds then be sure to get a permit before you go.  Permits to harvest Christmas trees from the Ochoco and Deschutes National Forest are available at any Forest Service office and a number of Central Oregon retail outlets for $5.  You must have a permit for each tree that is harvested with a maximum of five trees per household.  Happy Hunting!

Copyright, all rights reserved.

About Dan Seim

Dan Seim is the primary contributor to Preferred Residential's blog. He has been writing about real estate issues that affect home owners in Bend and Central Oregon since 2011.


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