Six Degrees Real Estate Mixer
Come learn about:
INSURANCE 101 | Safeguard your assets!
Presented by 5 speakers
Opportunity to Network with like-minded investors
Monday April 25, 2016
to
Geary Lane ★ 360 Geary avenue, Toronto ★ Free Parking ★ CASH BAR
$20 admission
cash at the door — Or pay by
RSVP at
It has been said that responsible people buy life insurance for one of two reasons; they either love someone or they owe someone.
Learn about how to protect your financial future and find out more about the differences between life, critical illness and income protection insurance. As well as what to look for in a Home Insurance, Extended Health Care Programs (Health Spending Account) available to Canadian families, home owners and investors.
AGENDA
6:30 pm Doors Open | Networking
7:00 pm Introduction by Jude Delsoin | Professional Coach | Poet | Writer | Performer
7:05 pm Laure Ampilhac | Say “No” to Mortgage Insurance
7:10 pm Kevin Cahill | Motivational Speech: Standing On The Shoulders Of Giants
7:30 pm Alex Bell | The Fine Prints of your Property Insurance Policy
8:00 pm Patricia Abad | Why you should get Life Insurance
8:30 pm Don Hopkins | The Biggest Tax Break Very Few Are Aware of: Health Spending Account
9:00 pm – 10:00 pm ~ Networking
“Knowledge is power. Information is liberating. Education is the premise of progress, in every society, in every family.” — Kofi Annan
SPONSORS
Alex Bell, B.A.
Joel Mixa
RSVP at 
$20 admission
cash at the door
–or pay by
SPEAKERS
Introduction by Jude Delsoin
7:00 pm Jude Delsoin | Professional Coach | Poet | Writer | Performer
Jude M. Delsoin, is professional coach, poet, writer and performer, she has had a direct impact on people’s lives, leaving her mark as a confidence-booster. She uses French, Creole, andEnglish for her work. Jude is poetically able to bring you into another dimension of thinking. We see her on Rogers’s television as a guest speaker for The Bourgeoisie Show. She was also invited to TFO at Panorama « Un autre point de vue ». She also married her coaching skills and poetictalents to create and facilitate inspirational workshops for different organizations suchas The Toronto District School Board, TDSB, La Bonne Affaire, Toronto Poets, etc. She coaches youth at risk for The PACT Urban Peace Program an organization whose mandate is to create urban peace. She gives back to the community through her involvement with the Group of Haitian Professionals in Toronto, GPHT.
Laure Ampilhac
7:05 pm Laure Ampilhac | Say “No” to Mortgage Insurance
Laure is a mortgage agent with the Mortgage Centre
Specialties: Real Estate Investing | Mortgages | Financing | Private Money Lending | Alternative Investments | Pre-Construction Townhomes | RRSP | TFSA | Rental Property | Retirement planning | Wealth creation | Wealth management | Asset protection
Kevin Cahill
7:10 pm Kevin Cahill | Motivational Speech: Standing On The Shoulders Of Giants
Like every good stage play, the finale comes upon us, and the characters – one by one – take their places at centre stage. But on some stages, the ending is designed to create the beginning of a sequel. Although you can cut open an apple and count the seeds you will never be able to count the apples produced from those seeds. Money and material things are essential for freedom of body and mind. However the greatest of all riches can be evaluated only in terms of lasting friendships, harmonious family relationships, sympathy and understanding between business associates. This introspective harmony will bring one peace of mind measurable only in spiritual values. This presentation and philosophy will help you be better prepared to attract and enjoy these higher states.
Kevin Cahill
www.facebook.com/canadianlegacybuilder
www.linkedin.com/profile/in/canadianlegacybuilder
Alex Bell
7:30 pm Alex Bell | The Fine Prints of your Property Insurance Policy
“I am a real estate investor but my core business is as a Commercial Insurance Broker with a focus/specialization in the Real Estate vertical. My entire practice is focused exclusively on working with real estate developers and investors and I have access to best in class solutions/products through every stage of the real estate cycle. Simply put, due to my expertise in this space I have been able to negotiate better rates/terms with insurance companies for real estate investors and property management groups. My goal or deliverable to my clientele is to advocate as a trusted advisor and provide mentoring with respect insurance for all aspects of real estate investing.”
Alex Bell, B.A.
Commercial Account Executive, Commercial Lines, Dalton Timmis Insurance Group
Reality Practice
35 Stone Church Road, 3rd Floor, Ancaster, Ontario L9K 1S5
Tel: 1-888-385-8466 Local: 905-648-3922 ext. 2617 Fax: 905-648-6980 Cell: 289-237-6829 Direct: 905-304-2617 alexb@daltontimmis.comwww.daltontimmis.com
Patricia Abad
8:00 pm Patricia Abad | Why You should get Life Insurance
Patricia Abad
Patricia is a certified Wealth Management Advisor and hold Life Insurance licensed in Ontario. She is an Independent Broker, which enables her to meet her clients varying needs. She brings her more then 15 years of professional human resource experience to the table and is able to seamlessly integrate her perfected interpersonal skills when dealing with clients and co-workers alike.
Her business mission is to build a reputation based on integrity and trust and offers her clients high-level customer service. Her professional approach in dealing with her clients is to provide education so they make the best decision possible for themselves.
Patricia was born in Ecuador, South America and raised in Toronto, Ontario. She completed her Bachelor of Arts and a Human Resources Certification at Ryerson University. She is passionate first and foremost her twin and life partner and secondly helping people. She loves to travel with her family and learn new cultures and languages. She is fluent in English and Spanish and has strong command of French and Italian.
NBBN Wealth Management Advisor
416-417-0332
patricia.abad@nbbn.ca
www.linkedin.com/in/patricia-abad
- Why is Insurance Important?
- Types of Insurance?
- How Much Insurance Do I Need?
Don Hopkins
8:30 pm Don Hopkins | The Biggest Tax Break Very Few Are Aware of: Health Spending Account
39+ years of sales and marketing experience in all aspects of the financial services business (advisor, management, director, wholesaler,vice-president, MGA owner, mentor.)
In addition, 25+ years experience at the professional sports officiating level in various capacities and 40+ years experience at the amateur sports level.
Don Hopkins
President/Benefits Consultant
MGA Consulting Services
Direct 416-877-6755
www.linkedin.com/in/don-hopkins
ABOUT THE EVENT ORGANIZER
Laure Ampilhac
Mortgage Agent & Certified Wealth Management Advisor
✆ (416) 358-9686 ✆ (877) 764-9492
iBrokerPower Capital Inc (The Mortgage Centre) Lic# 10538
info@laureampilhac.com
www.laureampilhac.com
╚► Helping Canadians RETIRE EARLY WITH REAL ESTATE ★ Leveraging home equity ★ RRSP ★ Designing Early Retirement Plans
☆☆ Real Estate Investments Consultant | Certified Wealth Management Advisor | Mortgage Agent | Refinancing | Private Mortgage Lending | Six Degrees Real Estate Investors Mixer
► My expertise and my passion for “early retirement” has allowed me to mentor anxious Canadian families and home owners who have not managed to invest their life savings effectively.
I help them acquire properties, diversify their investments and build a long-term retirement strategy using their home equity, savings and Registered Plans (RRSP, RESP, LIRA & TFSA).
Today, my clients include home-owners and individual investors who are ready to fathom new avenues for their own investments. I help them by:
★ Educating & Empowering though the Six Degrees Real Estate Investors Mixers (www.realestatemixer.ca meetup).
This is where I bring together seasoned investors, speakers and mentors from various backgrounds.
★ Educating & Coaching though one-on-one consultations.
This is where we take stock and compile their savings, pension, investments and available home equity (net worth).
★ Designing and Implementing a retirement income plan with a new investment strategy that incorporate their current locked investments with new acquisitions.These cater to the clients’ current AND future cash flow needs.
► Visit www.laureampilhac.com to schedule your FREE Consultation!
When working with investors, we explore the following real estate investment vehicles:
❶ Income properties (for Cash flow) and Pre-Construction TownHomes
❷ Investing in Private Lending (Mortgages & MIC)*
❸ Alternative Real Estate Investment (Private Equity and Syndication)*
* RSP-eligible
LINKS
www.meetup.com/Six-Degrees-Real-Estate-Investors-Mixer/
www.realestatemixer.ca/
www.facebook.com/realestatemixer
www.eventbrite.ca/d/canada–toronto/laure-ampilhac/
www.linkedin.com/company/six-degrees-real-estate-mixer
www.linkedin.com/in/laureampilhac
$20 admission
cash at the door — Or pay by RSVP at
CALENDAR
How To Invest Correctly Workshop May 7-8, 2016
GTA Bus Tour Sat May 7 12:00 PM – 3:00PM
The world of Pre-Construction: “Invest and Wait, don’t Wait to Invest” May 30
GTA Bus Tour Sat Jun 4 12:00 PM – 3:00PM
Real Estate Investors Mixer Mon Jun 20
ABOUT SIX DEGREES
MISSION
[ Helping Home-Owners and Real Estate Investors Retire Early With Real Estate]
www.realestatemixer.ca
info@realestatemixer.ca
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Six degrees of separation is the theory that everyone and everything is six or fewer steps away, by way of introduction, from any other person in the world, so that a chain of “a friend of a friend” statements can be made to connect any two people in a maximum of six steps.
The Real Estate Mixers are designed to educate & connect home-owners and investors in an intimate and warm environment.
Lively, interactive EDUCATIONAL & NETWORKING EVENTS:
If you are interested in learning more about how to invest in an rental property/multiplex (active investing) or invest your RRSP/Cash savings in alternatives investment vehicles in real estate (passive investing), then you have come to the right place.
The aim of these evenings is to create a space for like-minded people with an interest for real estate and investing Come and learn about money lending (private mortgages), MICs, Real Estate Investment Groups/Private Equity Funds and more.
HOSTED NETWORKING EVENTS
Laure will be there to connect you with the professional, lender, investor that you have been looking for your project, real estate transaction or investment. Come to us during the networking event and we will introduce you to the right person! See you there.
GTA BUS TOUR | BOOK NOW | with Aaron Charles, DreamMaker Realty and Laure Ampilhac, iBrokerPower | May 7th and June 4th
10 SPOTS available ONLY. BOOK NOW!
$25 for the bus+ $10
ONLINE TICKETS ($20)
EVENT UPDATES
SPONSORS
Joel Mixa
Alex Bell, B.A.
Home Insurance / Property Insurance
Commercial Account Executive
Reality Practice
35 Stone Church Road, 3rd Floor, Ancaster, Ontario L9K 1S5
Tel: 1-888-385-8466 Local: 905-648-3922 ext. 2617 Fax: 905-648-6980
Cell: 289-237-6829 Direct: 905-304-2617
alexb@daltontimmis.com
www.daltontimmis.com
Patricia Abad
Life insurance
Financial Planning Advisor
NBBN (416) 417-0332
Renata Magalhaes
Mauricio Jimenez
Photo Credits: Mauricio Jimenez 647.688.5814
MAGIC VISION Photography
Voted – Top PHOTOGRAPHY STUDIO in Toronto ( Top Choice Awards – 2013)
Visit us at www.magicvision.ca
BROUGHT TO YOU BY: Laure Ampilhac
✆ (416) 358-9686 ✆ (877) 764-9492
iBrokerPower Capital Inc (The Mortgage Centre) Lic# 10538
www.laureampilhac.com
www.linkedin.com/in/laureampilhac
THE BENEFITS OF INVESTING IN THE REAL ESTATE ASSET CLASS:
#1. Cash Flow
A big advantage real estate has over other investments, is that it can produce cash flow on a monthly basis. Positive cash flow is derived from the revenue collected in the form of rent and laundry income minus expenditures required to pay for and operate the building. The cash generated by a real estate investment will always be a much larger percentage cash-on-cash return than any other investment. The reason for this is leverage.
#2. Leverage
Leverage is the ultimate power of investing, and the fact is that there is no investment where the application of this tool is more powerful than real estate. In real estate the leverage is based on the asset itself, and even the notoriously conservative banks will loan up to 75-80 percent and sometimes higher of the total asset value. Banks are comfortable lending large sums of money for the purchase of real estate because they know it is one of the safest and most profitable investments available. Also when you leverage an investment, you reap the benefits of appreciation on the total asset value, while only having a small percentage of your own money in the deal.
#3. Appreciation
Real estate generally is a long term investment, and its benefits are best realized over the long term. It takes time for real estate to appreciate in value; however, while the property is appreciating the residents are paying down the mortgage. On top of this the rental income grows on a percentage annual basis.
The average compounded annual increase in real estate nationally has been 5% per year for the last 25 plus years, since 1980. Depending on the real estate cycle at any given time, the geographic location and type of property, the percentage annual increase could be substantially higher of course. Residential real estate appreciates more than the annual rate of inflation over time.
#4. Hedge Against Inflation
Many people feel that the commonsense thing to do is to take your money and put it into a savings bond or bank account that yields 2 to 3 percent per year. The main argument for this type of investing is that it is “safer” than real estate or other types of investments. The problem with this strategy is that you do not make any money, due to inflation.
Inflation is the price we pay for goods measured against a standard of ability to purchase those goods. The long term average of inflation has been nearly 3.5 percent since 1913, the year it began being tracked. That means that putting your money into a bank investment or account that yields only 2 to 3 percent, earns you no purchasing power in the future. You are actually losing wealth because inflation is higher than your returns. The gain in interest is wiped out by the rising cost of living. You are not becoming wealthier, you are becoming poorer because the cost of goods is growing faster than the value of your money.
The beauty of real estate is that it is a tangible asset-a good. Meaning it will generally rise either at the rate of inflation or much higher. Historically real estate has risen at 5 percent per year -a full 2 to 3 percent higher than inflation. And that is just appreciation. That does not take into account the cash flow generated, nor the tax advantages such as depreciation, refinance, and tax deductible mortgage interest.
#5. Depreciation
Depreciation is an income tax deduction that allows a taxpayer to recover the cost of wear and tear, deterioration, or obsolescence on an annual basis. For real estate, it is a nonoperational expense that can be used to your advantage come tax time.
#6. Refinance
Another advantage of real estate over other investments is the ability to withdraw cash through a refinance of the property. This, too, is a tax shelter. When you refinance a property you are restructuring your existing mortgage debt based on the added value of the property. Refinancing also allows for investors to pull their initial investment out, while still continuing to have a vested interest in the property, creating a cash-on-cash return of infinite because the capital investment is zero!
#7. Asset Protection
There are a number of ways to legally protect a real estate investment that cannot be utilized by other investments like stocks and bonds. If a stock or bond company has a bad year, and suffers losses, the individual investor is simply out of luck. Real estate is one of the few investments that can be insured and protected from damage caused for whatever reason. By having the proper insurance coverage, you are able to claim losses for the actual value of the asset before the loss, and during the loss.
Another distinct legal advantage of real estate is that it can be placed into a corporation or family trust that allow you to protect your personal wealth by individualizing and protecting your assets in an event of a lawsuit. There are also distinct tax advantages.
#8. Physical Asset
Real estate is a physical asset, that cannot be traded by a click of a button by an online brokerage. You can physically walk the grounds of the property, and inspect the building. As such, it’s not subject to the volatility of other investments like stocks, where change can happen fast. You are not at the mercy of the company’s public relations department, waiting to hear from them. Meaning, if the company announces poor earnings for a quarter, the stock will drop suddenly with little warning. Your only option is the react, but not before you’ve lost a substantial sum.
Real estate is different. While it still has its ups and downs, for the most part real estate takes a more tortoise like approach: slow and steady wins the race. By paying attention, and knowing what to look for, we can see the trends that lead to changes in the market, well before they happen. Allowing us to formulate an investment plan on how to change operations or to sell. This in turn maximizes our return on investment or cash-on-cash return.
