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David Ingram of CEN-TA Tax writes that Glen Kelleway is one of the few Metro-Vancouver mortgage brokers who truly understand the principle of making your residential mortgage interest tax deductible. Tax deductable mortgage interest is becoming a common way for residential property owners to benefit from the Canadian Tax laws.

Savvy financial advisors have been designing tax-deductible mortgages for their clients for years. Essentially you restructure your mortgage to do three things: save on your interest dollars; pay down your mortgage debt more quickly, and build a handsome retirement portfolio along the way; all without increasing your total debt load. It’s a different way to look at a residential mortgage, one that makes Canadian tax laws work for you.

You see, Canadian tax laws allow the deduction of interest on loans made for qualified investment purposes. With careful planning, you can convert your non-deductible mortgage debt into tax-deductible investment debt. The interest on the amount you borrow to invest now becomes tax deductible, possibly triggering a tax refund. The more principal you pay on your mortgage and then re-borrow to invest, the bigger your tax deductions.

Kelleway Mortgage Architects can help you set this up with either a re-advanceable mortgage or home equity line of credit. You simply convert your mortgage into one of these products. It’s legal, it’s perfectly sound and it’s smart.

Glen Kelleway at Kelleway Mortgage Architects can help you get started on making this strategy part of your mortgage plan. Located in Maple Ridge, he serves clients throughout British Columbia, Canada.

Early childhood – particularly the period from five months’ gestation to five years of age – presents a unique window of opportunity for learning. As kids’ and toddlers’ brains are highly plastic (adaptable), teaching your child to learn Chinese and English during this critical period can produce long-lasting benefits.

Repetition

“Again, again!” There’s a reason babies drive us crazy with their requests to do or hear the same thing over and over: babies learn best through repetition. Here’s what the experts have to say…

“You should repeat a stimulus until habituation occurs; then stop.” (Susan Ludington-Hoe)

“A toddlers masters an activity by repeating it; at the same time, she is programming and strengthening the neural pathways in her brain. Allow – and even encourage – your kids’ to repeat activities if they involve new skills she is developing.” (Winifred Conkling, author of Smart-Wiring Your Baby’s Brain)

“Going over the story [in a book] more than once enables a kids to learn new vocabulary items well enough to use them in answer to questions.” (Linda Acredolo and Susan Goodwyn)

Stimulation

As parents, we have a critical part to play in helping our kids realize their full intellectual potential. The time for action is in very early childhood, because toddlers and babies love to learn, and they learn effortlessly. Here’s what the experts have to say…

“The best time to tap into your baby’s innate abilities, the capacities that all young children are born with, is when his brain cells are rapidly growing and making new connections.” (Makoto Shichida)

“Never forget that when you are giving small children visual, auditory, and tactile stimulation with increased frequency, intensity and duration that you are actually physically growing his brain.” (Glenn Doman, founder of the Institutes for the Achievement of Human Potential)

“Improve your kids’ ability to learn by using more than one of the five senses. When we use different senses we create multiple encoding, which increases the number of sites where information is stored.” (Winifred Conkling)

“There is, however, a limit to how much stimulation young children should have. Too many toys, activities, and outings can create confusion and actually work to a child’s detriment, hampering his ability to focus. toddlers are usually pretty good at telling us when they are bored but not when they are over-stimulated. Their behavior is often the only sign.” (Lise Eliot)

Now you know the basics, it’s time to design a personalized teaching program for kids. From birth, be sure to speak, sing and play music to your toddlers as much as possible. To enhance communication and reduce frustration, you might consider helping your small children to learn Chinese and other languages earlier.. Any time from four months of age, you can begin teaching reading, learn Chinese and math. And don’t forget to make time for encouraging your young children’s physical development.

Networking Events can be one of the best ways to expand your business. If you’ve ever been to networking events you know that they come in all shapes and sizes. Some are very assertive (everyone selling everyone else). Some a very snobby and it seems that as their guest that you’re crashing the party. And yet others are appealing, but you’re left wondering how any business will ever get done.

The fastest way to find a BNI Chapter, a Chamber of Commerce Event, a Networking Event “for Women” or a list on business networking sites is the new Networking Event Finders Web Site. You can find networking events, rate networking groups and ask questions in their business forums anytime night or day!

Selecting Social Networking Sites that host high quality networking events, is a challenge. The cost of making a mistake is both time and money. Spending half a day and $20 to $40 to attend a bad event can ruin your day. Networking Event Finders allows you to rate networking events, networking groups and networking venues. More importantly you can see the ratings from others.

Selecting the best networking site social events to fits your personality and your business needs requires time and energy when both seem to be in very short supply.

Start Business Networking by finding networking events in Queens. When you find an event that works for your calendar plan to attend 3 meetings for each group and actively interview 3 to 4 members of each group.

What to look for in a Networking Group:

• Do they return your calls?
• Are the members complaining?
• Are you welcomed?
• Does it feel like High School? (different clicks)
• Is there a clear method to join and participate?
• Will you reveice a Mentor Member?

Business Networking requires a commitment of both time and money. Most small business people can’t afford to squander either. So visit several groups to see which business networking group will bet meet both your business needs and you personality. There’s nothing worse that driving to a networking event dreading having to go!

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