Looking for hourse Scarborough guy

Added: Jame Kern - Date: 17.10.2021 21:01 - Views: 20822 - Clicks: 931

Both of my parents are Chinese immigrants who grew up in India. My dad dropped out of sixth grade and worked in a kitchen to support his parents and four siblings. When he moved to Toronto in the s to be closer to friends, he worked in coffee shops and delivered for Pizza Pizza. My mom came to Toronto a few years later, in search of better opportunities. She scraped by working as a labourer in a warehouse. In the s, my parents met through mutual friends. I was born in As a family, we bonded on road trips, mostly to visit churches in Midland and Buffalo, because my mother practises Catholicism.

These trips are some of my favourite memories. But finances were always a concern. We plotted our road trips based on which gas stations along the way had the best prices, scoured flyers in search of coupons, purchased oversized T-shirts to grow into. It always seemed like the things I wanted to buy were just out of reach. I dreamed of growing up to be a doctor or dentist, because then I would never have to worry about money. I could have whatever I wanted, whenever I wanted.

When I was in grade five, alone in my bedroom, I played RuneScapean online game in a medieval world where players buy and trade items.

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I wanted my character to stand out with luxury armour. To save up, I mined minerals and cut wood and sold the raw goods for game money. My parents told me that education was the key to success, so I always worked hard in school. They said good grades would be my ticket to university and to a good job later. Every summer, I worked full time at the warehouse with my mom, packing DVDs in boxes for shipping. I made minimum wage and saved all my money. After graduating from Lester B. I hungered for prestige and money.

Eventually, I switched into finance classes, knowing that it would lead to a lucrative career. I wanted to be free to buy whatever I wanted without having to think twice. Do you think that was enough to make me happy? Of course not. The author promises that everyone can retire if they create a passive stream of income, money that can be earned without working full time for it.

I started by investing in the stock market while still working at RBC. I also realized that although stocks would allow me to profit over time, I wanted money now. So, I started researching. I watched YouTube videos about earning a passive income. I landed on one about investing in real estate. If anything, my childhood of frugality taught me to be a savvy saver. Like many Torontonians, I was discouraged by the high cost of real estate in the city.

The goal for passive income is to maximize profits while minimizing expenses. In smaller cities around Toronto, property is cheap and available, and can increase in value with a few renovations. I never thought about these things until my research pulled up a house in Windsor.

I contacted the listing agent and learned that the house had already sold, but she offered to show me some other places.

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That ended up being a terrible idea. It was a three-bed, one-bath single-family home in Windsor. When I first saw the place, I thought all it needed was a new paint job. But after I bought the house, I realized I needed to redo the floors, plumbing, electrical, kitchen and bathroom.

I was gutted. Around that time, I went to my first networking event where I met some real estate investors.

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I told them about the problems with my new property and they referred me to a contractor. I hired him right away. Unfortunately, I should have vetted him better. A one-month job took three months. But it was worth it. When the renovations were finally complete, I sent an appraiser to determine the value of the home. What came next was crucial: instead of selling the house, I refinanced it. I learned the concept from YouTube videos, but when I asked the investors I met, they said it was a good idea. It was like recycling my money over and over again.

With the cash from refinancing, I bought another property. I did the same thing: renovate, refinance, rent and repeat. When the pandemic hit, things got dicey. Thankfully, everyone was able to pay. I learned a big lesson, though. By growing my portfolio aggressively, I exposed myself to plenty of risk.

I learned some other lessons along the way, too.

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In earlyI started a non-profit called RISE Network, a get-together for people looking to invest in real estate. We meet online monthly.

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All the money I make from these events is donated to charitable organizations. Most recently, I started a podcastwhich discusses how everyday people can find success investing in real estate. Because I still live in that same Scarborough house owned by my parents, I have few living expenses. My bank job—which shifted to work-from-home—covers all my expenses, with money left over. That cash, along with whatever I make with investments, goes straight into savings. I hired a property manager to collect rent and deal with tenant complaints.

Now, whenever I need someone to do something for me, I vet them thoroughly and ask for references. He works as a labourer there. My mom, now 57, is his supervisor.

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Things are much better for them compared to when they first arrived in Canada. My parents started with nothing and sacrificed everything to provide a better life for my sister and me. My goal is to help them retire within the next two years. That way, they can enjoy the life they worked so hard to build. All rights reserved. Reproduction in whole or in part strictly prohibited. Real Estate. Twitter Facebook. Toronto Life.

Looking for hourse Scarborough guy

email: [email protected] - phone:(432) 376-4632 x 7213

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