Brian Madigan LL.B.

Canadian Real Estate litigation advisor, mediator, arbitrator and trainer.

Mr. Madigan served as an Instructor and Lecturer in the Bar Admission Course and Continuing Education programs offered by the Law Society of Upper Canada and has published legal precedents relating to various types of real estate transactions. In real estate matters, Mr. Madigan offers litigation support services to law firms, realtors and consultants. He continues to write articles on the real estate industry which are published in local newspapers.

Prior to joining Royal LePage Innovators Realty, Mr. Madigan was a partner in a successful venture capital business providing advice and assistance to entrepreneurial Internet based businesses.

The community has served been well-served over the years by Mr. Madigan's contributions as a volunteer and Board member in numerous organizations including St. Michael's Hospital, Credit Valley Hospital Foundation, Erin Mills Baseball Association, the Learning Disabilities Associations in Peel Region and many others.

Areas of Expertise

I practised law for over 25 years, primarily in the health care, pension and insurance sectors. My role consistently brought me into the real estate business, advising clients on the acquisition, disposition, and investment in real estate.

Over the last 20 years, I have participated in several venture capital and real estate companies with a primary interest in investment, management, and development of real estate.

I joined Royal LePage Innovators Realty Inc. in October 2005. I am working in both the commercial and residential fields. I have a wealth of experience to draw upon, including over 5,000 transactions involving real estate. I have provided professional advice to the following:

• Purchasers, Vendors and Mortgagees
• Investors, Pension Fund Managers
• Property Managers
• Real Estate Builders and Developers
• Contractors and Architects
• Insurers

The principles of real estate investment and achieving superior returns are relatively straightforward. The difficulty is applying them in particular transactions.
I believe that it is my role to ensure that my clients will make sound and informed decisions concerning the purchase and sale of property.

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Ranjit Dhaliwal

•an award winning Mortgage Broker, an Investment Advisor and President of Clarity Financial.  

Ranjit Dhaliwal is an award winning Mortgage Broker, an Investment Advisor and President of Clarity Financial.   His team’s goal is to measurably increase their clients’ NET WORTH – through EDUCATION, INSPIRATION & EXECUTION OF WEALTH BUILDING STRATEGIES, using their primary financial tool – their mortgage (or mortgages).

You may have seen him on CBC News world, CP24, CTV, City TV and BNN, where he is a regular.  You may have also seen him quoted in the pages of The Toronto Star, National Post, Globe and Mail and the Calgary Herald along with various mortgage industry publications.  He has also been co-hosting the Friday Night Money Show on CHIN radio 100.7fm, every Friday from 7:30pm to 8:00pm, for the last 10 years.

He sits on the Broker Advisory Boards of Equitable Trust, Street Capital and MCAP Mortgage Corporation.  He  also sits on CMHC’s Broker Advisory Board.

Needless to say, he is one of Canada’s most successful and influential mortgage brokers.

Ranjit Dhaliwal

Mortgage Broker FSCO Lic. # M0800613

MORTGAGE INTELLIGENCE INC. FSCO Lic. # 10428

c/o Clarity Financial, 50 Sunnyvale Gate, Unit 6, Brampton, ON L6S 0C4

P: 905-789-1166

F: 905-789-7666

C: 416-992-7265

E: info@clarityfinancial.ca

W: www.clarityfinancial.ca

P.S. - It's in your moments of financial decision that your destiny is shaped!

Sep 01, 2011 - www.preigCanada.com | www.WorldWealthBuilders.com |

Calgary in Alberta is the only city in Canada to register a yearover-year house price decline in a national survey of repeat home sales in 6 major centres.

The Teranet-National Bank House Price Index, released Wednesday, indicated Calgary prices in June fell by 2.7 per cent compared with June 2010. However, on a monthly basis, Calgary prices rose 1.6 per cent from May.

"Calgary is still recouperating from the Canadian recession of 2008" says Navtaj Chandhoke, founder of World Wealth Builders, a leading Canadian Real Estate investor training, mentoring center serving Canadian Real Estate investors coast to coast since 1993

"The Calgary index is still 10.9 per cent off the all-time high of August 2007 and 3.1 per cent off the pre-correction peak of August 2010," said the report.

The index is estimated by tracking observed or registered home prices over time using data collected from public land registries. All dwellings that have been sold at least twice are considered in the calculation of the index.

Year-over-year price increases were noted for Halifax (4.4 per cent), Montreal (5.9 per cent), Ottawa (4.6 per cent), Toronto (4.2 per cent) and Vancouver (7.2 per cent). The national index rose by 4.5 per cent on an annual basis.

– Jun 18, 2011 – Navtaj Chandhoke| www.WorldWealthBuilders.com | www.preigCanada.com | 

Anyone that invests in Real Estate wants to do it successfully. Many books have been written on the subject. The newsstands are filled with magazines with hot tips on how to become wealthy in Real Estate, however, the process of successful Real Estate investing really isn’t that hard if you keep in mind five simple concepts of investing in real estate.. 

Start investing early

Once you have established a rainy day fund for emergencies, start to invest for the long-term. This means starting with your principal residence. The earlier you start investing in your principle residence rather than renting, you start building equity.  When you rent you do not build equity. 

Let us look at three real estate investors in the same age group in hypothetical situations.  Each was paying $1,000 dollars a month towards accommodation until their retirement at the age of 65.  Patrina starts at the age of 25 and bought her first house for $100,000.00 in 1985 which was financed 100%.  After 25 years, her house is paid off in full for the rest of her life and she does not have to pay any rent or mortgage.  This is very common among a lot of Canadians.   

By doing this, by the time she is 50 years old she would have a principle residence that is her retirement nest, and the chances are that the house might have tripled or quadrupled in value from what she had paid originally.   

On the other hand, Bob buys his first house at the age of 35 in 1995, and Jon, 45, buys his first home in 2005.  Both Bob and Jon have been saving for a down payment since they were 25 years old and have been paying rent in the mean time.  Bob may have bought the same house for $200,000.00, while Jon in 2005 may have bought the same house for $300,000.00 as a result of appreciation. 

It will take 25 years to pay it off, but the cost of borrowing is astronomical—double or triple the amount compared to Patrina’s case. The moral of the story is to start investing in real estate at the earliest age as you can and always avoid paying the rent.   


Select the right mix of investments 

The key component of investing in real estate is three-fold.  First, obtain an asset which will appreciate in value over time.  Secondly, it should save taxes.  Third, it offers you passive income for life.   

Leverage is the name of the game.  We always borrow 100%, plus all the associated costs to obtain an asset which others will pay off in the form of rent.  These investments require in depth knowledge of investing in real estate.  If you are utilizing money from your own resources then you are not a sophisticated professional real estate investor. 

On the other hand, an educated Real Estate investor will be taking advantage of all the forgivable grants, bailouts, and handouts from all different levels of the government, as well as other agencies.  This is free money which is non-taxable.  You will never have to return it nor do you have to pay any interest on it. 

The question is what kind of properties should you have in your portfolio?  The correct answer is based upon the sophistication of your education, information, time, and money. By attending Real Estate Millionaire Strategy Apprenticeship, one may realize the hundreds of different ways that are non-conventional but creative.  The grants can be piggy banked one after a second, after a third, and they can be huge passive income for life.  All you need is a proper system which takes care of management, appreciation, cash flow, and the tax benefits. 

Invest systematically and automatically 

Majority of the people intend to invest only with three factors which are fear, speculation, and gambling.  By doing so, they are at the mercy of the volatility of interest rates, economy, and employment.  A sophisticated professional real estate investor would have none of these three factors in his equation of investing in Canadian real estate. 
Remembering to regularly invest can be difficult since life can be complex and busy. Setting up auto deductions from your paycheck or bank account that is invested automatically in a predetermined fashion can help. 

Investing within a retirement account can have a tax benefit and in some cases the employer might contribute an additional amount as well. By investing a set amount each month either directly out of your paycheck or out of your bank account, you’ll save time and won’t forget to invest in your future. 

Watch your investment costs and Cash flow 

There is no reason to have negative cash flow in any investment property when there are so many excellent investments, but you want to take advantage of hand outs and bail outs from all levels of government.  The key of investing successfully in real estate is to always have huge positive cash flow without any liability.  To learn more of the secrets, techniques, and strategies, we recommend that you must attend the Real Estate Millionaire Strategy Apprenticeship. 

Pay Less Taxes Legally 

Are you aware of the fact that the majority of the wealthy people pay less than 5% in taxes of their gross income?  The average person will start paying taxes the day they were born until the day they die.  There is very little education and information available which is a privilege to super wealthy millionaires.  Again, we insist that one should invest in the proper education instead of paying 30-50% of taxes of their income. 
Making sure you are invested for tax efficiency can save hundreds or thousands of dollars every year, which allows your investments to continue to compound for use in the future. 

While these five concepts may be easy to outline, it can be hard to implement without, mentoring, and apprenticeship.  To learn more one should embark on the journey to learn at the Real Estate Millionaire Strategy Apprenticeship. 

Navtaj Chandhoke is a Canadian-based real estate investor, speaker, author, educator , entrepreneur extraordinaire and the founder of World Wealth Builders, a leading Canadian Real Estate investors education, mentoring  center serving Canadian Real Estate investors since 1993.http://www.WorldWealthBuilders.com/| http://www.preigCanada.com|