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Blog #23: Banks Love Financing This…

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 own 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 and 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 15-25 percent down payment, the bank will cover it.

Banks love helping people invest in real estate, and that’s a fantastic thing for investors. By having a bank finance 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 the leverage and instant equity we can find when you initially purchase the property, to the profits we 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 off of a property. That’s the great versatility of real estate, and it all begins with making that initial investment.

The simple fact that a bank will be 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 CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #22: Loving Leverage

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 an 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 CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #21: Buying for Bargains

When you make a profit, you want to hold on to as much of it as you can. You earned it, it’s yours, and you want it to stay yours! But that’s not how it goes. A certain amount of every dollar you make in your life goes towards taxes. It’s unavoidable. So, it’s a good idea to consider ways to make the most of your profits. You want to not only make as much as you can, but also keep as much as you can.

You may be asking yourself, what kind of investment could possibly change the reality of capital gains taxes? Aren’t all investments subject to the same rates, the same drawbacks?

Here’s the thing: they’re not. While capital gains from stocks, bonds, and mutual funds are taxed at a pretty much universal rate, gains from real estate are taxed differently. If you buy a piece of property and sell it for a profit (because you bought it at a discount, or because it appreciated in value, or for some other reason), you will only be taxed on half of the money you made. This is because, in theory, the property should have lost value over the course of time. However, that’s often not the case. It’s entirely possible to resell real estate at a gain, as with any other investment. What makes real estate great is that you have to give up much less in taxes

Those tax savings mean more money in your pocket. There are so many things about real estate that make it a smart investment- the many profit centers it offers, the potential for excellent financing from banks, etc.- but one of the best parts is that you get the chance to actually keep more of your money. That, along with everything else, is great for investors. Real estate investments are an excellent way to build a prosperous future for yourself. Protect your interests by investing in property- you won’t regret it.

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #20: Flux Sux

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 one’s 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 wildly fluctuate in value in even a short period of time, represent a potentially very 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 prices of real estate remain relatively stable. They fluctuate, but not as drastically quickly as other types of investment. 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 gets old having to try and keep track of the constant peaks and valleys of our investments. 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 CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog# 19: An Investment You Can See and Touch

It’s a fact we learn in kindergarten that humans have five senses: sight, smell, taste, hear, and touch. Each of these senses helps 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, what’s got your back. 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 one big one that many investors swear by is the fact that real estate is real. 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’d 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 CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #18: Other People Pay YOUR Bills!

One of the great things about choosing to invest in rental properties over other forms of investments is that other people are going to be paying the bills for you! This is part of the real estate profit center we call “Cash Flow”.

It usually goes a little like this: An investor buys a property. They do this by providing a down payment from their own pocket, and securing the rest of the funds in the form of a mortgage from a bank. The investor is then able to rent out the property to renters, who will use it to live in, to work in, etc. The renters, by renting from the investor, actually give money to that investor. Thus, the investor is able to use the money they get from charging rent to pay back the mortgage they owe to the bank.

Think about how beautifully that’s set up! When you invest in rental properties, your bills can be covered by someone else. You don’t have to pull all the money out of your own pockets to cover your debts- you get paid for the public service you provide by renting out your properties to others who need them.

This is one investment where you shouldn’t have to worry about where your next payment is coming from. The rent payments cover the mortgage, and tenants also cover most utilities. This is the “Flow” in cash flow. The money moves around, and everyone gets something out of the deal.

The magic of rental properties doesn’t stop at simply helping investors break even, though! Properties often appreciate value as time goes on. The mortgage that’s owed to the bank, however, remains unchanged. Because of this, property investors can actually see their net worth increase over the course of time. Investors are able to increase rent prices to match the increased value of the property, and in this way can secure a good financial future for themselves and for their families.

Investing in rental properties is a smart choice for so many reasons. Wouldn’t it be nice to have an investment that other people are going to help you cover? Doesn’t it sound great to make an investment you don’t even have to pay for yourself? With real estate, that can be a reality.

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #17: When Being “Controlling” Is Good

 

There’s so much in life that’s outside of our control. And when you try to seize control, you might 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.

But, there are times when being controlling is good. Investments are something we think of as a classic risk; you might win big or you might lose a lot and that high risk factor is what makes many stay away from investments that could be making them tons of money. But, what if you could be in control of your investments?

It’s true that some investment options like stocks or bonds are tricky, risky, and hard to be in control of. You’re at the mercy of the people who run those companies you’re investing in. You can’t control whether or not they make some mistake 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 eliminates 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, from single family homes to commercial properties to raw, undeveloped land.

You get to choose where you buy real estate, which gives you the flexibility to evaluate different markets and choose the best one for you.

You get to decide when you want 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.

Lastly, how you buy real estate is extremely negotiable. You have the freedom to negotiate the terms and conditions of the property prior to purchase, which can make you feel secure in your investment.

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, put work into it, and profit immensely from your investment all without the help of a fund manager. With real estate, the value of your investment is in your hands.

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #16: Real Estate Keeps on Giving…and Giving…and Giving…

We make investments so that we have money to live on throughout our lives. Especially in retirement and old age, you want to benefit from the investments you made in early life and live off their return without having to worry about your finances. Smart decisions in early life are supposed to set you up to live comfortably when you make it to retirement.

The problem with investment options like RRSPs and mutual funds is that they deplete over time. As you use them, they will eventually run out of money. Not only are you depleting them by taking money out of them to live on, but you’re also taxed on the money you take out until there’s nothing left. Before you know it, your investment is gone. So, what was the point?

These programs are based on the assumption that you’ll be willing to live “under your means” in later life; it puts the impetus on you to reduce your quality of life in old age in order to save money and be able to afford to live during your retirement years.

After you’ve worked hard your entire life, you deserve to retire comfortably without having to pinch pennies or stretch your investments to their last dollar.

Unlike tax deferred savings programs, real estate investments don’t deplete — they keep on giving. That’s why they’re the best investments to make throughout your life so that you don’t have to worry about money when it comes time to retire.

The best thing about real estate is that it appreciates in value. In many places, a $30,000 home in 1967 might now be worth over a million dollars. The longer you hold on to real estate, the more it’s worth. That means you can access that equity in later life and use it tax free to help support your retirement lifestyle.

Additionally, as you pay down the mortgage or financing on the property, your cash flow increases. Not only is the value of your investment appreciating the longer you have it, but you’re also getting to keep more money in your pocket once you’re no longer paying the bank.

You’re also able to pass on your investment properties to family, loved ones, or other heirs after you pass away. The intergenerational benefit of real estate means that your investment is safe and beneficial even after you’re gone.

If you don’t want to live a limited lifestyle in retirement, real estate is the best way to invest for your future. Why worry about your finances after you’ve worked so hard to support yourself for your entire life? Let your real estate investments do the work for you.

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #15: Make the Most of the Market

Blog #14: Make the Most of the Market

Patience is a virtue, but it’s also really, really nice when good things happen fast. That goes double for your finances and investments- it’s important to understand that making a profit can take time, but it also just makes sense to make an investment that will instantly increase your net worth. That’s not going to be the case for stocks, bonds, or mutual funds. Those types of investments require that you wait out whatever market forces are at play. Even then, there’s no guarantee.

An investment that you’re able to buy at less than its market value? That’s a smart way to go. When you make that investing choice, you’re automatically making money simply by owning the thing you own. But once again, that’s not going to happen with stocks or, indeed, most investments. However a stock is priced, that’s what you’re going to pay for it.

Real estate, however, isn’t necessarily like that. People sell their properties for less than their market value all the time! It may seem like an odd choice for them to make, but it starts to make sense once you think about it. There are plenty of reasons a person would want to get a property off their hands quickly rather than for top dollar. These reasons are usually simply a matter of needing money fast (say, if they’re going through a divorce and want to settle things smoothly), or of just not wanting to deal with the property any longer (like if they inherited a house they’re not interested in living in or renting out).

Regardless of why a seller wants to sell, buying property at a discount when you can is a great choice for investors. This scenario creates one of the many profit centers of real estate, called Instant Equity. Since the property is worth more than you invested in it, if you sell it at market value, you’ve already made money. Think of it as a kind of safety net. You’ve already made a situation for yourself where you’ve increased your own worth. If you run into any kind of problem with the property later on, you’ve at least got the guarantee that it’s worth more than you paid for it.

Real estate is one of the only markets where instant equity is even possible, because it’s one of the only markets where the prices of investments can be flexible. By buying into properties at a discount, you make money without even having to do anything. What’s not to love about that?

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #14: How to Profit on Someone Else’s Dime

Blog #15: How to Profit on Someone Else’s Dime

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 part 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 in no way impacting the value the property might appreciate.

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 as a down payment to start out. The property then appreciates in value by five percent, meaning it is now worth 25k more. The property’s value increased by only five percent, but the value of the investment increased by 25 percent.

How is that possible? Well, through the magic of leverage, the investor only paid 100k. The 25,000 they made was a return on the 100k, not the full price. Thus, the investor was able to make a profit of 25 percent instead of only 5 percent. 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 CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #13: Watch the Cash Flow

Blog #16: Watch the Cash Flow

Cash flow is one of the simplest profit centers of real estate, it’s just straight-up profit. Cash flow refers to the money left over after all the expenses on the property are paid. The expenses associated with a property vary depending on what sort of property it is, but generally include:

  • Mortgage
  • Property Taxes
  • Insurance
  • Management
  • Maintenance

These things can add up, but by charging appropriate rent on your property, you cover all these expenses and have cash leftover for yourself. Say the property’s expenses add up to about 1000 dollars a month. Charge 1200 for rent, and your cash flow is 200 dollars a month. Once you have a few properties, that profit starts to add up, too.

There are a few basic ways to max out your cash flow. You want to minimize your expenses, and a good way to do that is to pay off your mortgage as quickly as you possibly can.

The mortgage is typically the largest expense on a property. So, once you get that beast out of the way, you reduce your expenses drastically. At that point you’ve drastically reduced your expenses, and thus, you get to keep a much bigger portion of that rent you’re charging. Awesome, right?

Another factor involved in your cash flow is the number of rental units you have on a single property. While a single family home provides a single stream of income, a duplex or a little apartment building presents you with several. In this way, you’re provided with a greater gross amount before expenses, and thus, the cut you have to give to the bank, insurance company, etc., has less of an impact on your profit.

Cash flow is one of the coolest profit centers in real estate, because it’s so passive. All you have to do is collect the checks. Renting out the property pays for itself if you do it right! So, make sure you’re doing it right! The rent you’re gathering for a property should always be greater than the expenses associated with that property. You don’t want to pay for a property you already own, right? You want it to pay you.

So, collect those checks, and keep your head on your shoulders. This part is so easy, it’s crazy.

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #12: The Many Roads of Real-Estate Profit

Blog #3: The Many Roads of Real-Estate Profit

There are so many possibilities to consider when you’re contemplating investing your money. Stocks and bonds, mutual funds and gold- the choices seem practically endless. You have to consider the risks you take and the rewards you reap with each of them. At the end of the day, you want to maximize the profit you’re making from your investments. With that in mind, it just makes sense to invest in the most lucrative option.

Most investment options have one, maybe two potential sources of profit. You can cross your fingers that the value of your investment increases so you can then sell it at a profit, but that’s about it. Isn’t it preferable to have an investment that will give you a profit through multiple avenues?

Let’s talk real estate. Real estate investments provide not one, not two, but eight profit centers. These are:

  • Appreciation
  • Instant Equity
  • Cash Flow
  • Depreciation
  • Leverage
  • Forced Equity
  • Principal Pay-Down
  • Reinvestment

We’re not going to get into each of these in detail today, but right off the bat, you can see from that list alone how real estate can become a gainful investment.

From the day you invest in a property, you can already find yourself better off than you were previously. That’s due to “Instant Equity”, which is what happens when you buy a property for less than its market value. You might be asking why someone would choose to sell a property for under what it’s worth.

There are a few reasons for that: the owner might have inherited the property and decided it’s not worth dealing with, or they might be in a situation where they need to liquidate their assets quickly more than they need to maximize their gains from it. Whatever the case, they need to make a quick sale, and that’s where you come in.

After that, once you own the property, you start getting into all the other profit centers real estate has to offer. Property can naturally gain value over the course of time: that’s the “Appreciation” from the list. You can also expand your profit by renting out the property for an amount greater than the expenses associated with your property: that one is “Cash Flow”. And once you’ve begun making a profit with a property, you can reinvest in even more properties, granting you the ability to increase your net worth exponentially.

You want to make smart investments that are going to pay off over time, right? So why not put your money behind the option that will bring in cash from all sides? Real estate could very well be right for you- with the right investments, you could end this year with greater net worth than you’ve got. The trick is, you’ve got to start.

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #11: Are Bonds Really Zero-Risk Investments?

Bonds are often touted as being very low-risk investments. Some would even go so far as to call them risk-free. But is that really the case? All investments come with risks to balance out their rewards, and bonds are no different. Here are a few of the risks you take on when you invest in bonds.

Interest Rate Risks

This is one of the best-known perils of bonds. The relationship between a bond and the interest rates in the market are complicated, but basically, supply and demand are at play in influencing the interest rate on the bond.

A bond you invest in might decline in value if interest rates rise. Yikes!

Inflation Risks

A bond is worth a fixed amount of money. If you invest 10,000 dollars in a bond, when it’s paid back to you, you’ll get 10,000 dollars.

Seems straightforward and risk-free, right? Nope!

You must remember that inflation is a factor in every economy. 10,000 one year is unlikely to have the same purchasing power five years from the date the bond is issued. In that way, there’s a good chance your bond is going to decline in total value, and that means money out of your pocket.

Default Risk

If you invest in bonds for a corporation, and that company goes under? Who knows what you’ll be getting back.

If the bank repossesses the assets of the company you’ve given your money to, well, that’s simply not your money anymore. It’s gone.

Takeaways?

Bonds aren’t the riskiest investment, sure, but they do come with their own set of risks. And that low risk deal that you think you’re getting also tends to come with low value and minimal rewards.

Bonds aren’t a terrible investment, but they’re not necessarily the best one.

Real estate, on the other hand, is a great investment choice for anyone who wants to see their wealth grow surely and steadily. No matter what happens, if you invest in real estate, you can rest easy knowing that there’s a solid piece of land behind your money.

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Blog #10: Investing in Mutual Funds vs Real Estate

When you have money 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 Are 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 funds investment carries their own goal, portfolio and risks. Fees can potentially arise and cause a reduction of returns which might make mutual funds not a great option for you.

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 to real estate.

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

Real Estate: The Better Investment Option?

Investing can be a risky business. Obviously, you want to be ensured when putting your money out there. 

Making up 60% of the world’s wealth and assets, real estate investing has previously proven itself to be a sound way to invest your money.

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

  • Leverage, or 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 overtime, lower the tax basis with depreciation of your properties.
  • 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 of the property, and other forms of revenue at all times.

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 CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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BLOG #9: The High Cost of Mutual Funds

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 CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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BLOG #8: Real Estate Makes Money (Without You Lifting a Finger!)

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 CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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BLOG #7: Your Money: Save it or Invest to Impress?

If you’ve got some extra money sitting in your savings account, you may be tempted to let it sit and collect interest (and dust). Although this may seem like a promising starting point, investing in real estate is where the best of investors typically hit a home run. Not only does this help to diversify one’s investment portfolio with a safer, more conservative option, but it also has a multitude of other benefits!

The Pros

Two, Four, Six, Eight, Who Do We Appreciate?

Unlike cars, which depreciate the moment we drive away from the dealership, houses tend to trend upward for years and years to come. It was reported in October 2020 that the current national rate of year over year home appreciation was 7.3%. That is tremendous growth that just keeps on growing!

Renting/ Building Equity

Unlike other investment options, real estate puts you in the driver’s seat. Many investors make an impressive profit by renting out their property to tenants. By doing this, the tenant becomes the one footing the bill for your monthly mortgage payment, not you. Not only this, but once the home is paid off , the house is owned by you, but paid off by the renters! When you look at it this way, it’s as if you only had to reach into your wallet for the down payment!

Control

Unlike the stock market, real estate investments offer more control on your end. Your actions and choices influence the end value of your investment property. You are not leaving things up to chance when you’ve got the control panel.

Naturally, with every investment opportunity, there is room for failure and misfortune.Luckily, real estate provides one of the most stable investing opportunities, but experts do have a few warnings for potential real estate investors.

But Wait––What Should You Watch For?

While there are so many pros to investing in real estate, it is always excellent to go into this game well-prepared for the unexpected. Here are some things to keep in mind:

Responsibility

Like anything in life, things can go awry. It’s best to know your tenants well enough to know if they will be fit to keep your property clean and functional. Risks may include damages to property, potential lawsuits, and tenants who won’t pay or need to be evicted.

Time & Money

Investing in real estate will require a downpayment to obtain the mortgage. The home may also cost money to fix up if needed. Additionally, you must remember that investing in real estate may be equally as draining of your time as it is on your wallet.

Knowledge

Often considered a rookie mistake, some real estate investors may purchase at the wrong time. It is important to maintain an understanding of how the housing market works, and to keep an eye on market trends, so that you can buy when the time is right. If you do this, you’re bound to make a nice return on your investment!

Ultimately, investing in real estate poses risks like any other investment. Fortunately, the rewards often outweigh the risks, making it a great investment opportunity overall.

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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VLOG #4: Why Durham Region?

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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BLOG #6: Real Estate Fundamentals: Government Subsidies, Projects, and Infrastructure

Governments can have a profound effect on the state of the real estate market. Policies, subsidies, and infrastructure projects will significantly influence the current and future prices of properties in an area. Learn more about why your research should include an in-depth analysis of government influences.

Zoning Regulations and Building Codes

Governments have been regulating land use for centuries, with zoning regulations and building codes undergoing frequent changes. Local governments create their own building codes, with requirements varying substantially between areas.

Consider the surrounding properties and ensure your property is zoned for the area’s intended use. For example, a residential property next to a commercial zone will have less value than a residential property in a residential area.

Regardless, homes that are up to code are generally more expensive than ones that need repairs or remodeling. When considering a property that needs work, understanding the extra costs should factor into your decision.

Local Goods and Services

Government-provided goods and services such as fire protection, law enforcement, water sanitation, schools, public transport, and roads make an area more attractive and drive prices upwards.

Locating an area where the government may be planning significant upgrades could help a savvy investor score a lower-priced property that will be significantly more appealing after the planned upgrades are complete.

Government regulations and services can impact the long-term growth prospects of an area. Zoning regulations and building codes often enforce restrictions that prevent investors from doing what they need with a property, such as developing a high-density living area. Every analysis must include the costs for the investor to comply with the local regulations and building codes. 

Investors must also consider the property taxes and the level of government investment in public goods and services. These government-run projects can significantly influence rental prices and the future growth potential of the property, such as market rents, vacancy rates, population, income growth prospects, and overall property values.

Government Subsidies

Subsidies related to property markets provided by the government are often contentious issues. While the government’s goal is to stimulate the economy and make new houses more affordable to more people, you cannot ignore the influence a sudden influx of new buyers will have on house prices. Significant tax deductions and subsidies put more air into a housing bubble until it has the opposite effect as house prices rise to even harder to reach heights. 

Any property investment requires careful analysis, and it’s often challenging to navigate the government’s intentions or even trust they know what they are doing in the case of subsidies. However, opportunities abound in any market; you just need to know how to find them. If you would like to get into the property market, but would rather avoid costly mistakes, talk to investment professionals immersed in the property market every day. The best advice will help you buy the right property at the right price so that you can invest with confidence. 

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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BLOG #5: Real Estate Market Fundamentals: The Local Economy

The housing market often reflects what’s happening in the economy. When times are good, there’s money in the economy to invest in housing. If times get tough, the Federal Reserve may intervene to reduce the pool of spending money. Unfortunately, when the Federal Bank starts looking at the possibility of an interest rate hike, it usually means there are leaner times ahead for homeowners and real estate investors alike. Keep reading to learn more about how the local economy influences the real estate market.

How Does the Federal Reserve Determine Interest Rates?

Many factors will cause the Federal Reserve / Central Bank to fiddle with interest rates. In general, though, it’s the state of the economy that determines the interest rate. 

High interest rates make credit and mortgages more expensive, reducing the amount of money circulating in the local economy. Of course, some areas are harder hit than others when interest rates change.

The top end of the market takes a heavier hit due to significant price differences. After all, one percent of one million is a lot of money, but 1% of $400,000 can hurt more for lower to middle-income earners, which is the demographic where mom and dad investors have most of their finances tied up. 

Why Are Interest Rates Critical to The Real Estate Market?

Interest rates influence the value of a property. When interest rates go up, credit gets more expensive, and property buyers’ borrowing capacity decreases. Buyers who may have been considering properties close to the city will need to look further out. In these cases, appealing suburbs outside the CBD can suddenly benefit from higher values. 

Housing Starts Versus Home Sales

The housing market has two main sectors: home sales and housing starts. Home sales include established homes, while housing starts refer to new homes that have not yet been built. 

The volume of housing starts, usually in brand-new suburbs with the latest, most up-to-date infrastructure, increases when the economy is full steam ahead. After all, who doesn’t love a brand new, shiny home that’s never been lived in before?

Housing starts will influence the local economy in many ways, including employment, land sales, raw building materials, and the businesses and support services that grow up around new suburbs. A weaker economy usually creates a corresponding drop in new home sales and a slight uptick in the sale of established homes. 

Slow economies can have a dramatic effect on the housing market. Economic slowdowns influence the local economy as finance gets more expensive and the number of buyers in new home builds dries up. The reverse is true in a healthy economy.

Whatever the state of the real estate investment market, you can always find lucrative opportunities when you know where to look. However, it can be challenging to know where to put your investment dollars when you are not immersed in the property industry every day. Invest with confidence by talking with the experts who have successfully navigated the property market and consistently come out on top.

 

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace 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 Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Candace Harris

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DISCOVER WHY REAL ESTATE IS AN EXCEPTIONAL WAY TO INVEST (VIDEO)


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