(604) 830-2438

Vlog: Digital Currency

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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Vlog: Currency Devaluation

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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Vlog: Risk Matrix

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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Vlog: Risk Mitigation in Real Estate Investing

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 34: IS YOUR CASH REALLY SAFE?

In February 2022, the Emergencies Act was invoked to stop an anti-vaccine protest rally in Ontario. Canada’s Emergencies Act is reserved for national emergencies. Its former name is the War Measures Act and was used during the Second World War internment of all persons of the Japanese race.  Basically, the Act suspends your civil liberties and has been used as a weapon of discrimination more than once. Two years later, a judge rebukes the Prime Minister for unjustified use of exercising power. Democratic societies have the right to gather and protest. How will you protect your assets from unlawful seizure if the rule of law can be circumvented? Public servants are supposed to be held answerable for their actions.

Citizens of Argentina learned the sad way not to trust banks in their country. Their government resorts to confiscating bank deposits during financial crises and this has happened more than once. In Cyprus, depositors lost almost half of their savings to bail out their bank. We may not think this is possible in Canada, but the government mapped out a contingency plan in 2017 with the bail-in regime, as opposed to bail-out, resulting in more debt creation by the way.

Canadians are aware more than ever that the money in their bank may not be as accessible as they previously thought. If a bank were to encounter a financial crisis, the Canadian Deposit Insurance Corporation only covers up to $100,000 of eligible deposits. But if you are one of hundreds of thousands of clients, will the insurer be able to cover every depositor? Remember the fall of AIG during the 2008 global financial crisis? It seems you can’t even rely on insurance coverage.

Which brings us to real estate . . . a better risk mitigation option than relying on an insurance payout.

 

 

ABOUT July Ono.

JulyOno.com is a marketing platform for a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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Vlog: Risk Management in Real Estate Investing

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 33: HOW DO BANKS MAKE MONEY?

What is a bank in Canada? It is an institution that takes deposits of money, lends out money for
loans, and handles financial transactions. You receive a form of passive income referred to as
interest for the money on deposit at a bank. The bank in turn loans out your money to make
loans by charging higher interest. Banks make a profit on the difference between what they
receive from the loan and what they give out on deposits. But wait! There’s more to it. Banks
enjoy something called Fractional Reserve Banking. It’s totally legal for them to do it because
they wrote the rules and it’s completely illegal for anyone else to copy it.

This 8-minute video explains how money is created out of nothing these days. Remember that
fiat currency devalues when more money is printed and goes into circulation. This article
explains how fractional reserve banking works. Essentially, banks can loan out the same money
on deposit multiple times as long as they retain a fraction of the original deposit on every
transaction.

Which brings me to digital currency. The Bank of Canada recently trademarked “Digital
Canadian Dollar” without notifying the public. This is not cryptocurrency, but a replacement for
physical fiat currency. If there is no longer a need for cash or cheques, then the fractional
reserve system may stop. Now imagine that instead of banks paying us to have our money on
deposit, they begin to charge us. The Canadian Central Bank acts as the fiscal agent to
promote economic and financial welfare of Canadians. According to the third quarter 2023
financial report, the Central Bank incurred a comprehensive loss of $4.4-billion whereas profits
continue to increase for the top five Canadian chartered banks. Banks are in the business of
making profit and they too invest in real estate. Banks are in the business of leveraging your
money to make money. It’s time to start leveraging the bank (other people’s money) to invest in
real wealth, aka real estate.

 

 

ABOUT July Ono.

JulyOno.com is a marketing platform for a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 32: IS MONEY AN ASSET?

Have you ever asked yourself what exactly is money? Is it as valuable as we have been told? The money that most people relate to is cash. It used to have value until the gold standard was removed in 1971 and replaced currency with the fiat system. Fiat means that there is no commodity backing up the currency; only the government’s promise of its value based on the country’s economic performance.

Now that’s kind of scary. We’ve seen economic performances in countries where inflation is double and triple digits: think Zimbabwe (193%), Venezuela (186%), Argentina (72%), Ukraine (20%). These are the rates at the end of 2022. This mapped version documents the highest rates in these countries during 2022. The list of countries that have declared bankruptcy (some multiple times) and on the verge of bankruptcy is a topic most people choose to ignore until it’s too late.

Savvy investors know the value of wealth preservation through diversification of assets. But not all forms of diversification provide asset growth. Warren Buffet famously quoted that the practice of diversification is generally protection against ignorance. Generally, retail investors tend to think of diversification as a defensive strategy to avoid losing money whereas sophisticated investors apply it strategically to complement their investment goals.

This is where real estate provides a hedge of protection against inflation, deflation, disinflation, hyperinflation, and stagflation . . . because real estate is a tangible asset that holds its value against currency devaluation.

 

 

ABOUT July Ono.

JulyOno.com is a marketing platform for a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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Vlog: The Power of Due Diligence

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 31: Real Estate: Stabler than Stocks

You’re probably familiar with the concept of investing in stocks, but here’s a quick overview.

The “stocks” you buy are small investments in a company; basically, a share of ownership. The stock value fluctuates with the value of the company and the stock price can be more or less depending on the time of your purchase.

People buy stocks with the intention of making money on them which can happen in two basic ways: (a) either through cash dividends which a company might distribute to shareholders if it’s doing well financially, or (2) by selling the stocks for more than they were purchased for.

Stocks are one of the first investment options that people turn to when they think of investing. This does not mean that they are the best investment option.

Stock prices are influenced by so many factors. Supply and demand influence every market, but the stock market is especially susceptible to investor sentiment (aka emotions). If you’re trying to invest in a popular company… well, good luck. When the demand for a stock is high, the price gets high with it.

A single share of the most expensive stock in the New York Stock Exchange, Berkshire Hathaway, costs around 340k per stock.

But here’s the thing: on March 23rd, 2020, the price of that stock was closer to 240k; a hundred thousand dollars lessWhat’s going on with that?

Well, a few more things influence the stock market. Supply and demand can be shot off in different directions depending on things like how safe people are feeling in the current social and political and economic climates.

March 2020 was around the time the pandemic started getting really bad, and for that reason, people were selling their shares like crazy. That’s the thing about stocks. They’re pretty easy to liquidate, and so when people get nervous or fearful, they cut their losses and run, taking the value of the stock down with them.

Another thing about stocks is that they’re heavily influenced by the economy at large. If you invest in Apple, and then everyone stops buying iPhones because the economy is going sour, then suddenly, your stock isn’t going to be doing well. And the economy has been all over the place lately.

So, what’s a market you can count on to weather the storms of the economy?

Think real estate.

Real estate is a solid market. It’s right there in the name: real estate is REAL. It’s a tangible piece of land with a sturdy building that sits on it. Those things aren’t going anywhere no matter what the economy is doing. Stocks are, in a way, abstract. They’re just reflections of how a company is doing, but they’re not an actual thing.

Real estate is stable for a few reasons. One is the above-mentioned solid nature of it. Properties you’ve invested in don’t just get up and walk away.

Supply and demand is less topsy-turvy in real estate as they are in the stock market. No matter what the economy is doing, people still need places to live or do business. That’s always going to be the case. The demand is always going to be there. And the supply? That’s pretty much set. The Earth isn’t getting any bigger. The demand is more likely to outrun the supply- and that means that property you invest in is going to, if anything, increase in value.

Even when external factors do influence the real estate market, they tend to do so much more slowly and less drastically than is the case in the stock market. Let’s talk about Berkshire Hathaway again. We already said that on the 23rd of March, it had a value of 240k per share. Want to know what it was worth three weeks before?

324k. That’s a drop of 84k in three weeks.

Real estate doesn’t pull that kind of trick on you. If you are looking for an investment that won’t give you the run-around every other week, think about investing in properties.

 

 

 

ABOUT July Ono.

JulyOno.com is a marketing platform for a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 30: Your Entry into an Overpriced Market: Joint Venture Partnerships

Real estate investing can be profitable, but it’s not without its challenges. One of those challenges is getting into the real estate market in the first place. Some people give up before they even get started. They don’t think they can afford real estate. But as you’re about to find out, that’s not asking the right question. Some people downsize and save money for a down payment, but the amount is a moving target. By the time they have saved up enough money for the down payment, the price of real estate has increased. So, they are always playing catch up. The lucky few can tap into their network of family and friends to help with a down payment, but the underwriting to get approved for a mortgage has become even more stringent to prevent loan defaults. What is a person to do? Reframe your thinking and ask: how can I afford it? Then your brain starts working on a solution. This question is solvable. I discovered this in 2001 and the answer is: joint venture partnerships.

The majority of North Americans live in an individualistic culture that reward doing things on your own. Asians come from a collectivistic culture and their default thinking is how groups can get things done. The joint venture mindset is helping each other to be successful. It’s not about what I can get; it’s about what I can give.

Now think about this: is it better to own 1% of something or 100% of nothing? Because that’s what people do when they refuse to consider buying real estate with other people. Joint ventures are everywhere – look at pension funds for example. The fund receives money from thousands of employees over a period of decades. These funds buy real estate to ensure the asset continues to grow in wealth to fund the employees’ future retirement benefit. Real estate investment trusts (REITs) pool money from thousands of investors with the specific purpose of investing in real estate. The size of these joint venture partnerships may be huge, in the billions, but that is not to say the retail investor can’t follow in their footsteps. The simplest joint venture partnership is with two people who agree to pool their resources (financial or sweat equity) to buy an asset.

The real estate that you buy now does not have to be the condo or house that you are going to live in. Think of it as building your retirement nest egg. The main thing is to leverage your hard-earned money into the wealth-building profit centers of real estate.

Joint venture partnerships offer the quickest way to increase your net worth by sharing the financial load, and pro-rated equity, with others.

 

 

 

ABOUT July Ono.

JulyOno.com is a marketing platform for a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 29: When Being “Controlling” Is Good

There is so much in life that’s outside of our control. And when you try to seize control, you may get accused of being a “control freak.” In general, we tend to think that the ability to go with the flow is a huge asset to managing our constantly changing and evolving lives. However, there are times when being controlling is good.

Investments are something we may think of as a classic risk; you might win big or you might lose a lot. That high risk factor is why many people stay away from investments that could be building their wealth. But what if you could be in control of your investments?

It’s true that some investment options like stocks or mutual funds are risky, tricky, and hard to be in control of. You are at the mercy of the fund manager and the people who run those companies you’re investing in. You can’t control whether they make a mistake, deliberate or unintentional, that costs them the company and costs you your investment.

With traditional investments, you’re not in control of the business management. You only get to decide when to buy and sell. That uncertainty can be stressful. The good news is there’s an investment class that reduces that uncertainty: real estate. Real estate provides ultimate control by putting the power in your hands to make the big decisions about your investment.

You can choose what kind of real estate you buy based on your specific needs, goals, and financial capabilities. There are plenty of options to choose from ranging from single family homes to commercial properties to undeveloped raw land. You get to choose where to buy real estate which gives you the flexibility to evaluate different markets and choose the best one for you.You get to decide when to buy real estate, putting full control of the price of your
investment into your own hands. If the market price is too high, you can wait for it to lower so that you get the most of your investment. Timing is the second important factor in real estate investing after location.

Lastly, how you buy real estate is extremely negotiable. You have the freedom to negotiate the terms and conditions of the property prior to its purchase which offers an extra level of security in your investment.

Real estate is considered one of the most stable asset classes and sought after by institutional investors such as pension funds, real estate investment trusts, private equity, as well as individuals. It is one of the most accessible investments in the world.

As an investment class, real estate allows for maximum flexibility while also giving you complete control of its value. If you find property at a discount, you can purchase it, add value to it, and profit immensely from your investment. With real estate, you control the timing and value of your investment.

 

 

 

 

ABOUT July Ono.

JulyOno.com is a marketing platform for a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 28: Investing in Mutual Funds vs Real Estate

When you have money that you want to put to good use, you may be tempted by any number of investment options. Two popular options that often come to mind include mutual funds and real estate. But which one truly comes out on top and why? Today, we will explore that.

What About Mutual Funds?

Mutual funds pool money together with other investors. Supplemented with a portfolio, you receive a group of stocks, bonds, or additional securities in exchange for your money.

The value of the portfolio’s assets divided by the amount of shares is what determines the pricing of mutual funds called the NAV, or net asset value. However, know that the investor doesn’t actually own the assets themselves—only the shares.

Also note that each mutual fund investment carries their own goal, portfolio, and risks. Fees can potentially arise and reduce your net returns which might make mutual funds not such a great option for you. There are many claims of top performing mutual funds on the internet. On the flip side, there are investors who made no gains on their principal after twenty, thirty, and even forty years. You can review fund performances at Morningstar. This may be in part the reason for investors moving to other, more lucrative options.

What About Real Estate?

On the other hand, real estate is another way to invest your money. Real estate investing is the process of buying, owning, leasing, or selling properties (land or buildings) for profit.

Real estate usually falls into four distinct categories:

  • Residential: homes
  • Commercial: businesses
  • Industrial: warehouses, factories
  • Land: farming, ranches

Investing in real estate can take on many different forms. Maybe you choose to invest in properties directly and rent out units. Maybe you are just looking to diversify your portfolio and would prefer to take a more indirect approach.

No matter your needs or preferences, real estate can accommodate.

Real Estate: The Better Investment Option?

Investing can be a risky business. Obviously, you want to mitigate your risk as much as possible when putting your money out there, but there are no guarantees. Even banks do not give 100% guarantee for money on deposit. Did you know the Canadian Deposit Insurance Corporation coverage is limited to $100,000?

According to a 2015 Savills report, real estate makes up 60% of mainstream global assets worldwide, and that was eight years ago.

There are many benefits of investing in real estate, including:

  • Leverage (the borrowing of capital to increase the potential profit) allows you to invest when you cannot buy the property yourself.
  • Your investment in real estate provides ways to save on taxes, too. Your profits can be listed as capital gains with lower tax rates, and over time, lower the tax basis with depreciation of your properties. Just be mindful of Recapture.
  • Finally, you’ll have more control over your real estate investments than you would with mutual funds. Instead of waiting for a profit of a stock, you are the person in charge of prices, improvements to the property, and other forms of revenue.

Bottom line: real estate comes out on top as an investment option that is always relevant, accessible, and meaningful. While you cannot always predict what a market will look like, you can rest easy knowing that your assets are physical with evident value, unlike mutual funds, which can fluctuate wildly.

 

 

 

 

ABOUT July Ono.

JulyOno.com is a marketing platform for a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 27: Bouncing Back: Your Guide to the Recovery Phase of Real Estate

Are you thinking of investing in real estate but don’t know where to start? Or perhaps you’ve been burned in the past and are hesitant to try again. Either way, understanding the real estate cycle is crucial to your success. In this blog post, we will explore the recovery phase of the real estate cycle, providing insights and tips for potential investors looking to bounce back.

Firstly, what is the recovery phase? As the name suggests, it is the stage when the real estate market begins to recover from a recession or downturn. This phase is characterized by low interest rates, increased demand, and rising prices. It’s a time when savvy investors can find great deals and make substantial profits.

So, how can you take advantage of the recovery phase? Here are some tips to keep in mind:

Research the market: Before investing in any property, it’s crucial to do your research. Look at recent sales data, rental prices, and local trends to get a sense of the market’s health. This will help you make informed decisions and avoid costly mistakes.

Focus on value: In the recovery phase, it’s important to focus on value rather than just buying the cheapest property available. Look for properties that have potential for growth or renovation, or that are located in up-and-coming neighborhoods. These factors can increase the property’s value and ensure a solid return on investment.

Be patient: While the recovery phase can be exciting, it’s important to be patient and not rush into any investments. Take the time to carefully evaluate each opportunity and weigh the risks and rewards. Remember, real estate investing is a long-term game, and a smart investment now can pay off in the future.

Work with an experienced investor: Real estate investing can be complex and daunting, especially for those new to the game. Consider working with an experienced investor who can provide guidance and expertise. They can help you navigate the market, identify opportunities, and make smart decisions.

In conclusion, the recovery phase of the real estate cycle is an exciting time for potential investors. By doing your research, focusing on value, being patient, and working with an experienced investor, you can make smart investment decisions and bounce back from any past setbacks. So why wait? Start exploring the opportunities of the recovery phase today and take the first step towards achieving your financial goals.

 

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 26: Real Estate Vs. Bonds Come Tax Time

 

Bonds and real estate attract both novice and seasoned investors for various reasons.  While interest-paying bonds are often seen as a steady course of action that require little maintenance, the gains in real estate are much more meaningful.

One of the reasons why real estate is more profitable is because it brings with it many tax advantages.  Let’s take a closer look at how both investments stand up to taxation.

Bond Taxation

Bonds are simply a transaction with the federal government. Taxation is pretty much a forgone conclusion. The interest income received from bonds held outside of registered accounts such as RRSPs are taxed at the end of every year. However, this does not apply to Canada Savings Bonds or some types of provincial savings bonds. If the bond is purchased at face value and held to maturity, there is no capital gain or loss. But there will be a capital gain or loss if the bond is purchased at a discount or premium and held to maturity. A premium will incur a capital loss. A discount will incur a capital gain. Remember that capital losses cannot be deducted against regular income; it can only be used to reduce capital gains. Property, on the other hand, allows for several exceptions when it comes to taxation.

Real Estate Taxation 

Depreciation is one way that property investment helps soften the blow of taxes.  This is because CRA makes allowances for wear and tear that decreases the value of your property, even when the underlying value of the property continues to appreciate.  There are more than 20 types of depreciable asset schedules that CRA lists under capital cost allowance classes.

Remember that land is not depreciable: only building and chattels. Class 1 permits 4% of the value of the building as a tax deduction, but there are other eligible allowances that can bump this up to a 6% depreciable allowance. Understanding the different schedules helps an investor maximize their taxable deductions.

However, it is very important to understand and plan for the RECAPTURE of capital cost allowance when you dispose of an asset. Selling a property triggers recapture. The simplest explanation is that you are required to pay back the deferred allowances. Please consult with your financial advisor on these and all tax strategies.

In a flourishing neighborhood, real estate values traditionally increase. The best part is that there is no taxation on appreciation for personal residences. For investment real estate, only 50% of capital gains is taxable. For corporate entities, CRA tracks your capital gains and losses on Schedule 89 of your income tax return. It is critical to file an election through a Form T2054 to receive the funds that have accumulated in your capital dividend account within two years of dissolving your company. After two years, CRA deems the money forfeit. PS: the CDA is tax-free money; some accountants are unaware of the T2054 and business owners subsequently lose out on substantial wealth.

 

 

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 25: The Ups and Downs of Real Estate: Exploring the Cycle

Real estate investing can seem intimidating, but with the right knowledge and guidance, it can be a rewarding experience. One key aspect to understand is the real estate cycle, which is the pattern of ups and downs that the real estate market experiences over time.

The real estate cycle typically consists of four stages: recovery, expansion, hyper-supply, and recession. During the recovery phase, demand for real estate is low and prices are at their lowest point. This can be a good time to start looking for investment opportunities, as prices are likely to rise as demand increases.

As the market enters the expansion phase, demand for real estate starts to outstrip supply, leading to an increase in prices. This can be an exciting time to be an investor, as there are plenty of opportunities to make money. However, as the market approaches the hyper-supply phase, prices reach their peak and supply starts to outstrip demand. This is a signal that the market is starting to cool down and it may be time to be cautious.

Finally, during the recession phase, demand for real estate falls sharply and prices plummet. This can be a difficult time for investors, as they may be holding onto assets that are losing value. However, it’s important to remember that the real estate cycle is cyclical, and eventually the market will start to recover.

Understanding the real estate cycle can help you make informed investment decisions. For example, instead of buying at the peak of the market during the hyper-supply phase, you may want to consider waiting until the market cools down and prices start to fall. This can be a good time to find deals and make investments that will pay off in the long run.

If you’re new to real estate investing, it’s a good idea to work with an experienced investor who can help guide you through the process. They can provide valuable insights into the market and help you identify good investment opportunities. Additionally, they may have access to deals that aren’t available to the general public.

Of course, investing in real estate still requires research and patience. You’ll want to research different areas, understand market trends, and analyze potential deals. But with the right mindset and support, you can make informed decisions and achieve success as a real estate investor.

In conclusion, understanding the real estate cycle is an important part of being a successful investor. By staying informed and working with experienced investors, you can make smart investment decisions and achieve your financial goals. If you’re interested in learning more about real estate investing and potentially partnering with us on a deal, we’d be happy to chat!

 

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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VLOG 12: Tax Benefits

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

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BLOG 24: Gold vs Real Estate: Why Gold’s Depreciation and Poor Sustainability Outlooks Puts It At a Major Disadvantage

With rising inflation rates and unprecedented costs of living, choosing the right investment strategy is paramount. Thanks to its wide availability and flashy draw, many new investors look to gold as a viable investment option. Unfortunately, due to its impracticality, poor long-term returns, and declining demand from new generations, most seasoned investors advise to steer clear of gold. Here is what you need to know:

Gold Depreciation Over Time 

Turbulent economic conditions allow investors to reflect on their current investment portfolio. Out with the (g)old, and in with the new! 

Rare earth metals and crop production have shown their hand in the history of investment. While generations ago it was a coveted resource, over time, gold has lost its draw to newer investment options. Emerging generations simply do not value it as readily as do older generations.

In contrast, real estate is a tried and true method with diverse options for property investment. From residential rentals, to industrial real estate, and even vacant land, real estate is a trusted resource for current and emerging market trends. 

Investors also have to consider the instability and decrease in value of other precious metals and goods. A 2019 study of metal sector deals revealed that coal was actually the primary revenue contender of global mining, with gold coming in second to last. 

This decline in demand may partially be attributed to an eco-friendly global mentality. Mining has taken its toll on the environment as a whole, leaving a hole in the pockets of the future stability of an investment in rare earth metals. 

 

 

 

ABOUT July Ono.

JulyOno.com is a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/

 

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Contact July Ono

July Ono

Professional Real Estate Investor

DISCOVER The 7 Profit Centers in Real Estate


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