For more investments, you have no choice but to pay the market price for whatever it is you’re buying. If an ounce of gold costs 1900 dollars, you pay 1900 dollars. You put in the asking price, and that’s that. It makes sense, it’s reasonable- but it’s not the smartest way to turn a profit on your investment. Wouldn’t it be neat if you could find someone else to help you pay for the investment you’re making, while still allowing you to keep 100% of the profit earned?

With real estate, that’s possible. Leverage is when you use borrowed capital in order to increase the potential return on investment. In practice, this typically looks like borrowing money from a bank in order to purchase a property. 

Banks will typically cover 75-85% of the cost of a property, and you make a down payment for the remainder. This limits the amount of money you have to invest in the first place, which is nifty, but what’s really nifty is what you’ll experience as your property appreciates value. 

Properties can naturally gain value over the course of time. Say you purchase a property valued at 500,000 dollars, and the bank finances 80% of that. You’ve put 100,000 dollars into that property, with the rest covered by the bank. And let’s say that then, the property appreciates by 5% or 25,000 dollars. It may seem at first glance that you’ve made a 5% profit on that investment, but that’s not actually the case! You get to keep 100% of the appreciated value- AKA, profit!- from that property, but the amount of money you paid remains the same.

With that in mind, you didn’t make 25,000 on a 500,000-dollar investment. You made 25,000 on a 100,000 investment. That is a 25% profit, and that’s great.

In this way, you can use leverage to turn a nice profit. By utilizing the resources that banks have to offer, you can maximize your financial gain and make the most of your money.

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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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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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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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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Most people don’t buy property solely with the money they’ve got in their own pockets; it’s simply not necessary. If the bank is willing to back you up for a portion of the cost of the property, it just makes sense to let them help you in that way. This is a good deal for people who are buying homes just for themselves and their families, but an even better one when we start talking about people who are buying properties as investments.

The process of using borrowed capital to increase the return on an investment is called leverage. For most investors, this means borrowing money from a bank. When you set out to buy a property, the bank is generally willing to cover between 75 and 85 percent of the cost, with the rest being covered by a down payment made by the investor.

Leverage helps investors to get the most return possible on their investments by reducing the amount of money they have to put down up front while taking advantage of equity appreciation when the value the property increases. A key thing to remember is that when the value of the house goes up, you benefit from 100% of the entire value: not a portion of the down payment.

Think about this example. Let’s say a property is listed at 500,000, and the bank covers 80 percent of that. The investor only has to put in 100,000 (or 25%) as a down payment to start out. The property then appreciates in value by 5%, meaning it is now worth 25,000 more. The property’s value increased by only 5%, but the value of the investment increased by 25%..

How is that possible? Well, through the magic of leverage, the investor only paid 100,000. The 25,000 they made was a return on the 100,000, not the full price. Thus, the investor was able to make a profit of 25% instead of 5%. Real estate is one of the only markets in which this is a possibility. The bank won’t pay for you to buy gold, but they will help you finance an investment in real estate. By letting them help you, you help yourself get the most bang for your buck.

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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Every market has its ups and downs, its pros and cons. Some days your stocks and bonds might be worth top dollar and other days they might be worth less than when you bought them. It’s important as an investor to keep an eye on what’s going on, but the tides can move so quickly that it gets hard to keep track! A more stable market makes for much simpler management of your finances and investments, but in today’s turbulent times, a market like that seems hard to find. So, where can you turn?

Real estate. Stocks, which can fluctuate wildly in value, in even a short period of time, represent a potentially unstable investment. Bonds and mutual funds can present the same problem. But changes in the real estate market tend to move in a much steadier and slower fashion. An investment that you can keep track of is one that you can use to your best advantage: one you can count on. 

Buildings and properties are typically owned by the same person for years. Since they don’t change hands as often, the price of real estate remains relatively stable. They fluctuate, but not as drastically or as quickly as other types of investments. Another factor is that housing is a necessity, so the demand for rental properties doesn’t change much even if the greater economy is sluggish. 

Real estate also has the benefit of being real and tangible. Rather than being an abstract concept like stocks, real estate is a solid thing. It’s a limited resource; the earth isn’t getting any bigger, is it? So, if you look at the bigger picture, it all makes sense. Real estate is a stable market because it has, in some ways, almost fixed supply and demand forces working for it. It changes, but it changes relatively slowly and predictably. Someone who invests in real estate is unlikely to wake up one morning to find that their properties are suddenly worthless. 

It can be stressful to try and keep track of the constant peaks and valleys of your investments unless that’s your job. Some day traders love the adrenaline rush of trading in volatile markets. I prefer boring investments to keep stress at bay. Isn’t it better to put your money behind something more secure? Properties can provide a sense of stability that saves investors the headache of a fluctuating market. That’s just one of the many reasons that investors love real estate.

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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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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In most markets, prices are largely inflexible. For example, the market value of gold at any given moment is the value of gold and this is the price you are going to pay. The same for stocks; if Microsoft stocks are trading at 200 dollars, that’s what you’re going to pay. There is no ability to negotiate. However, real estate is a different story.

It’s not uncommon for properties to be sold for under their market value. This leads to situations of instant equity.

Instant equity is a phenomenon that occurs when you purchase something at a discount. When you purchase a property for less than its market value, you automatically increase your net worth. This is because if you were to sell or refinance the property later, it would be worth more than you paid for it, and you gain that difference.

Because of this, properties that provide you with instant equity are a good investment. The equity you have from these properties also provides a financial buffer in case of unforeseen problems. 

So, it seems obvious that buying at a discount is a smart decision. However, you might still be wondering why people choose to sell their properties for less than market value. As it happens, there are a multitude of reasons someone might choose to undercharge for what they own. 

They might be experiencing financial difficulties that require that they liquidate their assets sooner rather than later. In that case, they would be more interested in moving the property quickly and efficiently, rather than seeking top dollar. Someone might be going through a divorce and need to sell their house to settle the case. It can even be as simple as someone inheriting a property they don’t want and liquidating it as quickly as possible.

Regardless of the reason, people selling their properties at a discount is a great investment opportunity. Real estate is a rare example of a market where you can barter, and this can be used to your advantage. For this reason and more, real estate is a great choice for 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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Things cost you what they cost, right? That much seems obvious. If you want to buy 1000 dollars worth of stock, you’re putting 1000 of your own dollars out of your pocket into that investment. There’s no getting around it- stocks, bonds, mutual funds, gold… whatever your investment is, you’re going to have to pay what the market asks of you.

Except, that’s not the case with real estate. When you purchase a property, a bank will typically finance between 75 to 85 percent of the cost. Your responsibility is only for the remaining percentage, which you put in as a down payment. And yet, 100 percent of the investment (the property) is under your control. 

A bank would laugh in your face if you asked them to cover 85 percent of the cost of a few ounces of gold. But if your investment is in real estate, they’re singing a different tune. If you have good credit and are able to make that 15 to 25 percent down payment, the bank will cover it. Why? Because banks rely on the underlying equity value of the real estate to cover the loan.

Banks love helping people invest in real estate, and that’s a fantastic thing for investors. With the bank financing the vast majority of the cost of the investment, investors can minimize the amount of money they have to put into the deal. From there on out, they see all the profits from the property. And remember, real estate has many profit centers! 

There are so many possibilities at every step of the way: from leverage and instant equity when you initially purchase the property, to the profits you make from renting out units, to the value the property gains, all the way out to the potential for reinvesting the money you’ve made from that property. That’s the great versatility of real estate, and it all begins with making that initial investment. 

The simple fact that a bank is willing to finance an enormous part of the cost of a real estate investment, while still allowing the investor to reap all the rewards, is part of the reason real estate is such a great choice. With the help of a bank, investors can minimize how much of their own money they have to spend while maximizing what they’re able to make in profit. You don’t have to dump all of your own money into the transaction- the bank can help make it happen. What’s not to love about that?

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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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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It’s a fact we learn in kindergarten that humans have five senses: sight, smell, taste, hear, and touch. Each of these senses help us perceive and understand the world around us; our senses are the things that tell us what’s real and what’s not. That’s important because you want to know what you can count on. One thing you can believe in is the ground beneath your feet. Wouldn’t you like an investment that’s as solid as that earth? What could you invest in that will provide you with that same sense of security?

Well, why not try investing in that very land? Owning property is a great investment for a lot of reasons, but a big one that many investors swear by is the fact that real estate is real. When you think of stocks, bonds, and mutual funds, those types of investments are intangible. You can’t touch the numbers that represent them; they’re just ideas. 

A piece of property, on the other hand, is a real, existing thing. Even if the economy were to take a nosedive, an investor who put their money in real estate would still have something to show for their investment. The land isn’t going anywhere! The amount of space on Earth isn’t changing. It’s not getting any smaller, or any bigger.

Think about what that means. Real estate is a market that has a fixed supply, so there’ll never be too much of it. If anything, there would be too little since everyone on the planet needs a place to live. As the population grows, the demand for real estate and especially rental properties grows with it. So, you’ve got something that’s not going to go anywhere, that everybody not only wants, but needs. Sounds like a pretty good deal, right?

It sounds that way because it is. Real estate is a great investment, not least because it’s a real thing. Once someone’s invested in it, they can rest easy knowing that they’ve invested in something that isn’t going to disappear. Real estate is, both literally and figuratively, a “solid” investment.

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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In any investment, there’s a certain level of money you have to put in before you see a return. That’s kind of the point of investing: you put something in to get something more out. It’s not free money, it’s putting your money in the right places to turn it into more money. Investing is great!

But some investments are smarter than others. Some investments, like mutual funds, can cost you quite a pretty penny right up front. Let’s look at some of the costs associated with mutual funds.

Annual Fund Operating Expenses

There are a lot of ongoing fees you’ve got to look out for if you invest in a mutual fund. There are management fees that go to the people who run and operate the fund, and 12b-1 fees, which go towards marketing and selling the fund, as well as other shareholder services. Then there can be a whole load of other administrative and managerial fees that you don’t really want to deal with. 

Shareholder Fees

More expenses? That’s right, as a shareholder in a mutual fund you’re also responsible for things like sales loads, which are commissions you pay when you buy or sell shares, redemption fees, which you pay if the fund doesn’t feel you’ve held onto a share long enough, account fees if your investment falls below a certain waterline… the list goes on and on. There are so many little costs you have to account for when you invest in mutual funds just to have shares in them in the first place, let alone if you want to actually do anything with your shares.

How Can I Avoid This?

The best way to get around mutual fund fees is to simply invest in something else. Real estate, for example, doesn’t have all these hidden costs and fees. When you invest in a property, you pay in what you pay in, and if it’s a rental property you probably aren’t even paying the utilities for the building. 

Real estate is a really smart investment for a lot of reasons, chief among them the fact that it’s straightforward. You invest in a property, you know what you’re paying and what you’re paying for. This is one of the reasons to consider real estate for your next investment. 

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/

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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Stocks are probably one of the first things you think of when you think of investing. The stock market is a big, well-known path of investing. 

But just because something is popular doesn’t mean that it’s the best thing! Stocks, like any investment, come with a set of downsides that any investor would be foolish to ignore. Today, we are going to talk about just how risky the stock market can be.

The stock market is controlled by supply and demand like any other market. That’s just the way it goes in the economy. But the stock market can move fast — way too fast to keep up. This is known as gapping: when the price of a stock falls so fast there is no trading activity in between, and a stop loss won’t protect you when this happens. A stock can crash in a few weeks, if not months, and turnaround at times has taken years to bound back. Remember the 2008 stock market crash? Or how about the 2000 Dot.com bubble? Or are you old enough to remember the 1973-1974 stock market crash? And of course nothing compares to the infamous 1929 stock market crash where people commit suicide. There are so many ways things can go wrong.

If people stop buying iPhones, what do you think your Apple stock is going to be worth? It all comes down to how much the company itself is worth, and that depends on the economy at large. When things start dipping, then stocks go down with them because fear and greed drive the market. You simply can’t rely on some stocks to not flake out on you.

And what about the long term? A company that made, say, the tapes for answering machines might have been doing great in the eighties, but how well do you think they’re doing now? Most companies don’t live to see their hundredth anniversary. The sad truth is that most things eventually become obsolete, and with technology advancing faster and faster by the day, that’s a bigger risk than ever.

So, why not invest in something steady? Something people are always going to need? There are a few things that are simply necessary for human life, and one of those is shelter. Real estate is never going to become obsolete. As long as there are people, those people are going to need a place to live, work, and play. Furthermore, real estate is a relatively stable market — even when it goes down, it doesn’t dip as rapidly or as dramatically as some other markets. Ultimately, the underlying value of real estate rarely disappears as many stocks have done.

If you’re thinking about expanding your portfolio, consider adding real estate. It’s an essential asset you can count on to provide a prosperous future for you and your family.

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/

You want to make investments that are going to pay off. That’s kind of the point of investing, right?

With the stock market, there are a few ways to see some payoff. It’s fairly easy to sell stocks, and if you sell them for more than you paid for them, then that’s a profit.

That’s all well and good, but it’s not really something you can count on. The stock might drop in value after you buy it. And while you have the stock, it’s not directly paying you anything. It’s just sitting there. Wouldn’t a truly fantastic investment earn its keep all on its own?

That brings us to real estate. Real estate can do just that for you. If you rent out a property, you’ll see profit in the form of what’s called “cash flow”. This is the profit you see when you rent out a property for more than its expenses cost. 

The property owner charges the tenants of the building rent, which covers the mortgage and other expenses associated with the property. However, if the investors are playing smart, there’s some cash leftover from the rent payment after the expenses are paid. That investor could be you!

Real estate provides you with passive income. That’s money that you’re getting from something other than a regular job. Because of that, it’s clear that the stock market can’t always provide for you and your family the way real estate can. Real estate investments can be a great, reliable source of income. If you play your cards right, you get to see the profit without even having to regularly visit the property. The money comes to you, not the other way around.

Stocks are a popular investment, but that doesn’t mean they’re the best option. You can’t always count on your stocks to be worth what you need them to be worth, and you certainly can’t count on them to make you money passively. 

Real estate is a superior investment for a lot of reasons, chief among them the consistent income it provides you with. If you want to see a consistent, regular profit, real estate just might be the investment for you.

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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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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When you invest in the stock market, you are, in a way, gambling. You’re entrusting your money to the whims of someone else’s company. The stock market is a popular place to invest because it’s easy to access, but when you invest in it, you don’t really control what happens next unless you’re a majority shareholder.

If you have shares in a company, sure, you might have the option to vote on things like who gets to be on the board of directors, and do you really know who those nominees are when it’s time to vote at the annual general meeting? Ultimately, what the company does is out of your hands. You’re just along for the ride. As an FYI, there are dozens of companies that get de-listed every year if you look at https://stockanalysis.com/actions/delisted/.

Real estate is different. It can never disappear. It’s a tangible asset with a solid valuation versus the rollercoaster valuation of a paper stock. When you invest in a property, you have control over your investment. You decide what to invest in and what to do with it! You get to make decisions like:

• What type of property you’re investing in
• Where that property is located
• What kind of market you’re buying in
• What kind of financing to use
• And perhaps most importantly, how the property is maintained or improved!

This is a big one. When you invest in real estate, you have a lot of options. You have a very serious and direct influence over the value of the property. You can choose how and when to improve the condition of the property as you see fit, and in that way manage the amount of profit you can make from it, either by reselling it or by renting it out.

If you buy a property, you can do things like renovations that tangibly and immediately make it worth more than it was before. If you invest in the stock market, you’re counting on a company to perform well. Maybe it will, maybe it won’t. You don’t get to decide. You don’t have control.

With real estate, you get to make your own decisions as an investor. When a stock underperforms, a lot of investors end up selling in a panic. After all, what is the underlying value of that stock based on? A piece of paper? Whereas if a property underperforms, there are steps that can be taken to mediate its performance because real estate values rarely, if ever, drop to zero. Can you think of any property on the market today that is worth less than it was ten years ago?

If you desire more control over your financial future, then making the right investment that fits your needs is key to that. Investing in real estate means you’re handing yourself the reins of your own life. You get to make the decisions, and you have more control.

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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Investing in a mutual fund might seem logical. It’s an opportunity to let a seasoned investor decide where your money goes, and typically, the investments made by a mutual fund are fairly diverse. That is to say, they fall into a variety of markets, and as such you can feel protected. If one market doesn’t pan out, perhaps one of the other ones will.

A lot of experts say that diversification in your investment portfolio is a good thing, and to a certain extent, they’re right. Investing in, say, only one stock, is a bit of a dangerous move, because what if that stock crashes? But diversification can also be very dangerous.

If you invest in a mutual fund that invests in a hundred different companies, that doesn’t necessarily mean that you’ve reached optimal diversification. A lot of mutual funds invest specifically in a single industry, which means that you still face many of the same problems you would if you only invested in a single company. And what about mutual funds that invest in multiple industries?

At that point, you run into a problem of overdiversification, which is sometimes, adorably, called “diworsification”. 

If your money is in a million different companies, keeping track of how all those companies are doing is a nightmare. Another problem is that investing in a lot of companies means having to own a lot of stocks in each of them, meaning that you have to put in quite a bit of cash up front. And perhaps one of the biggest issues with overdiversification is the fact that having your cash scattered in all directions means that even if one stock is performing well, you still might not make money after you account for how another market is doing.

Now let’s think about another investment: real estate. It might seem on the surface that real estate is an investment inherently lacking diversity, but the truth is, there are all kinds of real estate. You can invest in single family homes, multi-family dwellings, or office properties. You can invest in different parts of your city, or even in other cities. There are plenty of ways to have diverse real estate investments, and yet it would be really difficult to run into a problem of overdiversification, because it’s all real estate.

Real estate is a reliable, steady investment. Everyone needs it, and so it’s not going anywhere. This is just one of the many reasons real estate could be the right investment choice for you. 

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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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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Real estate has a few things going for it that other types of investments don’t. You’ll recall that we’ve already talked about some of them, like the neat way that banks will help you out in investing in real estate by financing you via a mortgage. 

But mortgages aren’t all fun and games. Not only do you have to pay off the principal part of the mortgage (the actual amount borrowed), you also have to pay interest. Doesn’t sound great? Well, a great thing about real estate is that there’s a way around it. As the previous post mentioned, your tenants will be the ones paying the mortgage, not you. But there’s more to it than that. 

Most of the payments you make to your bank for the mortgage will be, at least in the beginning, going towards interest, rather than the principal. You want to get that whole mortgage, both principal and interest, paid off ASAP in order to reduce the expenses associated with the building and increase the profit margin of your cash flow. 

So, here’s what you gotta do. In addition to the regular payments you have to make towards the mortgage, it’s a good idea to make some extra payments to the bank, at least in the beginning, in order to knock out that interest as quickly as you can. That way, you can start chipping away at the principal portion of the mortgage, and start seeing your profits soar. 

And you’re not doing this alone. As previously stated, it’s your tenants’ money, not yours, that covers this bill. You just need to make sure you’re putting the cash where it needs to go.

Paying down your mortgage is a secret towards maximizing your real estate profits. It doesn’t seem as obvious at first as other profit centers like cash flow, but mark our words, if you play your cards right, you’ll be seeing some big savings on your property. And that, friend, is money in your pocket.

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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