Ken Stern Custom Financial Solutions

Everyone is interested in real estate. Typically one - if not THE most - valuable asset people own.

How has the Covid pandemic affected the Toronto Real Estate Market? | The Josie Stern Team You are using an outdated browser. For a better experience, keep your browser up to date. Check here for latest versions.

Insurance in the time of Covid 19...

This is very Important news for you and your family:

In times like this we are all much more aware of our mortality and morbidity (disabilities and health compromises due to disease). As a result, many are revisiting estate planning - including wills, powers of attorney, estate planning and life insurance.

Now, all of these can be taken care of online without any physical meeting.

You can now get up to $2 million of Life Insurance with NO medical, NO in-person meeting, NO blood and urine samples, all in a 15-minute phone call. The same applies to Critical Illness Insurance up to $250,000.

Many have decided to top up their coverage by buying new term and permanent insurance policies for spouses, children, grandchildren.

Policies are typically approved in less than 72 hours. Higher limits are available with additional underwriting.

Financial complacency can be very dangerous. Here are some erroneous thoughts of investors at various ages. Starts out with thoughts form people in their 20's and every decade throughout life. Courtesy of http://bit.ly/1S6cty8

Investing through the ages I live rent free in my parents’ basement. To cover my student loan, I work three part-time jobs. Any extra money I have pays my cellphone bill with maybe a couple of hundred left over for a few fun nights out. How could that “mad money” really help me much in retirement? I’ve got tons of time anyway…

Stop paying more tax than you need to. Here are some tax tips courtesy of Money Sense magazine. http://bit.ly/1V6Musn

Shocking tax tips you're missing out on! MoneySense has put together a list of (perfectly legal) top tax tips you can’t afford to overlook!

It's not going to be doom and gloom forever.

Why the price of oil will recover faster than you think Martin Pelletier: The clouds will break since the duration of oil's ongoing price collapse will eventually self-correct, as will the current supply-demand imbalance, perhaps sooner than many expect

There's lots of key info in this Canadian Essential Tax Numbers for 2016 https://t.co/BuNRVB97Qa

Essential tax numbers: 2016 update

Life can be beautiful

You may enjoy paying ultra low mortgage and loan rates but here's why zero interest rates are a BIG problem. In the U.S., a one percentage-point boost in rates would increase U.S. government interest costs by around $180 billion from its present level of around $400 billion. That's a 45% increase in debt service and rates would still be at historic lows. Unless offset by increased economic activity, this would significantly increase both the budget deficit and government debt levels. https://t.co/J92RPbi1eJ

Here’s the big problem with low interest rates Low interest rates and unconventional monetary policy are increasingly counterproductive

Get your money out of your mattress. If you're waiting for markets to correct the time will never be right. There's always something in the way but with a well thought out investment plan you can reach your financial goals. http://t.co/DK3F21cdND

Beating analysis paralysis (one of the biggest investor mistakes) Want your savings to work for you? You'll need to get the cash out of your mattress and start investing. Here's how to beat investment analysis paralysis.

I am REALLY tired of the speculation over the pending Fed rate hike. As NIKE would say, JUST DO IT already. Zero Interest Rate Policy and Financial Repression for savers. This is MADNESS

No Panic, No Sell. - No Sell, No Loss. I know it's tempting to think about selling your investments to avoid further declines but that's one of the worst things you can do at a time like this. If you're really nervous, maybe it''s time to re-think your overall asset allocation. http://bit.ly/1KIe6KC

6 common mistakes investors make when markets tank Investors make common mistakes at the best of times, but the risk of committing one of these six faux pas increases along with stock market swings.