Mortgage agents are useless ❌
14:33
BIGGEST MORTGAGE MISTAKE EVER!
27:09
I WAS WRONG - How I set goals 🎯
25:51
Retire with $5M - Start here 🚀
21:25
Пікірлер
@chdaudAhmed
@chdaudAhmed 3 сағат бұрын
Wait until you need a plumber or HVAC contractor 😂
@sandeeptanjore1253
@sandeeptanjore1253 17 сағат бұрын
This video makes a lot of sense if you run business or do business for a living and not if you are employed. I think that disclaimer (explicitly) is missing in the entire video. If you are a salaried individual only , then you hardly can write off taxes or deduct other than investing in RRSP.
@dr.ratnachaudhary7754
@dr.ratnachaudhary7754 20 сағат бұрын
2 bed 2 bath in 690 sqft. In Kitchner. Crazy
@ankushsharma2747
@ankushsharma2747 Күн бұрын
Hello. Where you have saved your emergency fund ? Normal savings or special accounts
@vinodchoudhary-ci5ug
@vinodchoudhary-ci5ug 2 күн бұрын
Great Interview. Answered lots of questions and cleared lots of doubts.
@AtulSharma-vc2tg
@AtulSharma-vc2tg 2 күн бұрын
Correction there are 27 hours😂
@growwithnav
@growwithnav 21 сағат бұрын
😂
@DineshDinesh-nh9wk
@DineshDinesh-nh9wk 2 күн бұрын
Also enjoy your money apart from investment.
@growwithnav
@growwithnav 21 сағат бұрын
100%
@harismuzaffar1151
@harismuzaffar1151 2 күн бұрын
Worst place to get into real estate or park your money. All bs and taxes. Nothing else. All a ponzi scheme to create debt and tax slaves.
@user-dr1lv6bg4w
@user-dr1lv6bg4w 2 күн бұрын
Kanedda mein nimnalikhit professions ka kya scope hai? Kya iske liye bhi Kanedda ki bhasaa aanaa zaroori hai? Kanedda mein konsi bhasa boli jaati hai? Detail mein video banaavo. Merekoo bhi Kanedda jaanaa hai. Kaise kaise log jaa rahe hain Kanedda. Aap bhi chaley gayee Kanedda. Aap jaa sakte hain to koi bhi jaa saktaa hai. Merekoo bhi jaana hai Kanedda. Bataavo ki neeche likhe hue profession mein kaunsa job aasaani se milengaa. Ye bhi bataavo ki Kanedda ka visa aapne kahaan se khareeda tha. Kya visa ke saath ticket free mein milega? Ye bhi bataavo ki Kanedda desh kidhar hai. Jobs ki demand hai ya nahin aur agar hai to kitna scope hai: berozgaar, khomchewaala, HAAZEEER HO chillane waala adaalat ka anpadh bailiff, Dilli-made ghatiya chaddi-baniyaan bechnewaala, juaari, kasaai, naaii, compounder, sharaabi, halaalaa karvaane waala agent, pocketmaar, mochi, chamaar, bhangi, naaliyaan saaf karne waali mehtarani, phaansi lagaane waala jallad, cycle puncture theek karne waala, dhobi, kaamwaali bai, luhaar, waiter, cook, gali mohalle ka gunda, cinema ke ticket black mein bechne waala, puraane kapade lekar steel ke bartan dene waalaa, raddiwaala, dahi bechnewaala, chaney-murmure bechnewaala, gol-gappey (pani-puri) waala, bhel-poori waala, shaadi ka decoration karne waala, shaadi karwaane waala rishton ka agent, red light area ka dalaal, cycle rishkaa waala, badmaash, bhikhaari, chor, uchakka, looteraa, daku, rishvatkhor policewaala, Dilli-made ghatiya transistor, charger aur headphone bechnewaala, Lawrence Bishnoi jaise gangster, motaa halwaaii, sperm donor, chhaila babu, hathbhatti ki zehreeli daru bechnewaala, porn actors, aadamkhor/narbhakshak (cannibalistic) JHINGAA LALA HOO JHINGAA LALA HOO HAA HOO chilla chilla ke aag ke chaaron taraf dance karne waale khoonkhaar aadivaasi log, ghar ghar jaakar machhli bechnewaala, masjid ka jaahil mulla, prostitutes, neem-hakeem, jhaad-phoonk karke beemari theek karne waala anpadh aur ganvaar jaadugar, duplicate maal bechnewaala, mitti ke bartan banaanewaala kumhaar, chapraasi, Rakhi Sawant jaisi ghatiya item girls, Lalit Modi jaise makkar bookies, logon ko topi pehnaake unka maal lootne waala, railway station par kaam karnewaala laal shirt waala chalu coolie, Mumbai Docks par kaam karnewaala coolie jiska billa # 786 ho, raah chalti shareef lakdiyon ko seeti bajaake chhedne waala sadak-chhaap romeo, surrogacy karne waali bhaade ki mummiyaan, deewaaron ki putaaee karne waalaa painter man, naag panchami ke din snakes laane waala Sanperaa, bandar ka naach dikhaane waala madaari, gaanv ki daaee, filmon mein extra ka kaam karne waala, chhakkaa, Urfi Jaaved jaisi chhinaal content creator, deewar film ki parveen babi jaisi escort girls, bachhe kidnap karke bechne waali aurat, ladies tailor, papad bechne waala, khaanabadosh log, romance scammer, playboy, massage girls, railway ticket black mein bechne waala, madraasi aur telugu films ki background mein tight kapde pehen kar dance karne waali behud moti aur heavy duty dancers, arvind kejriwaal jaise hamesha jhaapad khaane waale third-rate politician, kamathipura mumbai aur sonagachhi kolkata red light areas ko andhra, bengal aur nepal ki lakdiyaan supply karne waala criminal, deshdrohi, shikari, kothe par mujra karne waali meena kumari type nachaniyaa, mayawati jaisi budsoorat aur corrupt cheap minister, idli-dosa bechne waala, gas ke gubbare bechne waala, khooni, two-timer, bahot kam (next to nothing) kapade pehen kar dilli metro mein tiktok video banaane waali lakdiyaan, Pappu Gandhi jaise bewakoof leader log, deewar par, electric poles par, ped par urinate karne waala sadhaaran Indian mango man, mobile phone churaane waala, circus ka joker, bhed-bakriyaan charaane waala, beediyaan banaane waala, covid-19 ke fake vaccine bechne waala, bitcoin scammer, golddigger ladkiyaan, bangaali mithai banaane waala, koyle ki dalaali mein haath kaale karne waala, chalu lakdiyaan, jaali currency note chhapne waala, washroom ki deewaaron par achhi achhi baatein likhne waala, andhaa, goongaa, langdaa, behra, paagal, Kanedda Immigration ke liye jaali certificate banaane waala, Kanedda aakar din-raat ulte-seedhe real estate ke video banaane waale dungurr Sardaar log, ityadi. Bahoot bahoot sukriya.
@Connect.Mayday
@Connect.Mayday 6 сағат бұрын
Lol 😂😂😂😂😂
@harshadsonaje
@harshadsonaje 2 күн бұрын
9:14 Can you please make a scenario where you are investing the saved interest in the S&P 500 instead of just showing savings in interest (like SIP). Then you add the interest saved plus the returns you make on the S&P 500 and see how much of a difference it will make? The second option will be still better but the option 1 will be slightly better.
@sarojbala3641
@sarojbala3641 2 күн бұрын
Well done beta 👍
@flyingwanderer2542
@flyingwanderer2542 2 күн бұрын
10,000 who do kitchen for 10,000 lol..3000 washroom...prices don't make sense here
@bricksndreams
@bricksndreams 2 күн бұрын
Gurvinder has his own construction company that gives the best rates to his real-estate clients. That's why I love him!
@wackyp
@wackyp 3 күн бұрын
Milton, Ontario has tons of heritage properties
@graphicsloth
@graphicsloth 3 күн бұрын
Seems like a nice house, but I would not be cool being told I can't change the look
@Xyzusersdh
@Xyzusersdh 3 күн бұрын
26 hours a day😮?
@RajanKhalra9990
@RajanKhalra9990 3 күн бұрын
2 hours taken as debt from next day😂
@ankurperiwal9704
@ankurperiwal9704 2 күн бұрын
lol point being grind - which is the truth
@sunieel408015
@sunieel408015 3 күн бұрын
Perfect example!! When HELOC can lock in your shit and you no more can shit and are stuck !!
@AsadKhan-ii4rh
@AsadKhan-ii4rh 4 күн бұрын
Are you a real estate agent or tax expert?
@azaadkamal6188
@azaadkamal6188 4 күн бұрын
Keep up the great work Navjot ❤
@HarryVlogsCanada
@HarryVlogsCanada 4 күн бұрын
Hi Bro why no videos on potato talkies from past 7 months
@juandavidhernandez1333
@juandavidhernandez1333 4 күн бұрын
Nav, that all sounds very good and well researched. My only problem is that you are assuming to keep the property rented for 2-3 years. However, it is a fact that a lot of homeowners, landlords etc are facing a difficult time because people are not paying their rents, so the owners have to face with all the hurdles of eviction, debts and repairs that left them worse. It is something very common happening right now in Ontario and BC, I don’t know about Alberta, but it is concerning.
@growwithnav
@growwithnav 4 күн бұрын
All investments have risks :) it depends on how well you do your due diligence on the tenants - so mitigating that risk is part of the game. It’s the same as investing in a stock and the company making a poor decision that erodes its value and we lose money.
@juandavidhernandez1333
@juandavidhernandez1333 4 күн бұрын
@@growwithnav agree 👍 nothing good comes without risks😀
@PrairieSquid
@PrairieSquid 4 күн бұрын
Algorithm: did someone say poor hygiene and self entitlement? me: thousands of north Americans die in the streets of engineered homelessness and predatory prescriptions in a genocide every year that nobody is calling out
@PrairieSquid
@PrairieSquid 4 күн бұрын
how opportunistic can you get? 🤮
@memphistnliving
@memphistnliving 4 күн бұрын
Wonderful share. Lots of information as always
@growwithnav
@growwithnav 4 күн бұрын
Thank you 🙌
@asimmsiddiqui
@asimmsiddiqui 5 күн бұрын
Hi Navjot. As usual fantastic content. But I have changed courses. I moved back to UK due to family commitments, but I guess the crux remains the same anywhere in the world u move to. Good Luck.
@growwithnav
@growwithnav 5 күн бұрын
That’s awesome!! Wishing you the best 🙌
@vishwasgupta3233
@vishwasgupta3233 5 күн бұрын
Great and insightful content as always, Nav. I'm a big fan. I've noticed that in most of your recent videos, the focus is primarily on FTHB and same putting <20%. You may want to put more more appealing numbers to your audience. However Is it possible for you to put numbers and comparisons for investors > 20% & see how equation differs.
@growwithnav
@growwithnav 5 күн бұрын
Thank you :) will take that into consideration… I do have many videos for investors on the channel, but yes - I do usually focus heavily on first time home buyers since that’s 90% of my business :)
@HritikChawla
@HritikChawla 5 күн бұрын
more than 70% of your content is copied from Minority Mindset
@gv3360
@gv3360 5 күн бұрын
Today's problems he discuss
@joban_307
@joban_307 4 күн бұрын
agreed
@anmolsanotra6462
@anmolsanotra6462 5 күн бұрын
I could not find the video link for taxing for salaried person
@growwithnav
@growwithnav 5 күн бұрын
It’s the Wealthsimple link in the description.
@pumasig4165
@pumasig4165 5 күн бұрын
Here we go now we F system here for the greed. Let people live simple life here like it was used to be. Many Gurus like you coming here and misusing the system. I am living here from last 26 years bought just one house and free it in 18 years and enjoying my life with my kids in my 40. But when see the greed videos like this which Make people feel that they have left behind and push them into market for multiple properties and no life and increase property prices and screws up their life like now. Which country will you move next. Stop buying multiple properties. Now Calgary market has been screwed up like a Ontario. Let people love normal life. Spend time with your kids not to work for properties.
@growwithnav
@growwithnav 5 күн бұрын
Good for you. You should be proud 🙌
@pumasig4165
@pumasig4165 5 күн бұрын
Sorry Nav. But no hate for you and many others. But I have seen people f-up their life. Canadian Culture is to honest work and enjoy your life and get inclusive with other cultures. I have seen three crashes and people lost their money in this. All due to fraud mortgages and flipping. Please encourage people to study or start a small businesses so they can contribute not to Rob the system. People should work pay their taxes and enjoy their life so that they can contribute in this beautiful country not to use their honest system for the greed. We have seen how our home country’s system has been compromised and I am seeing same thing happening here. These countries made systems to contribute your share and enjoy quality of life. Realtors and Mortgage brokers greed push good people to lost their life time earnings and f-up their life. Property prices should increase in natural pace not fabricated. It will hurt most Canadians. Hope you understand my point. 🙏🏼
@Connect.Mayday
@Connect.Mayday 6 сағат бұрын
He doesn't have kids.
@gurinderkamboj9807
@gurinderkamboj9807 5 күн бұрын
How the bank the will give new loan of $480,000 and why? We will pay 5% interest on it every year? Sorry watched it many times but did not get it . Thanks for reply❤
@growwithnav
@growwithnav 5 күн бұрын
The bank will give 80% of new value of the home ($600,000), so the new loan is $480,000
@rpslive
@rpslive 5 күн бұрын
Stocks as salary, are vested and counted as salary hence there is an income tax on source. Which is somewhere around 55% in Canada, didn’t understand how Elon or anyone who is getting new stock options per month as salary can save on income tax.
@growwithnav
@growwithnav 5 күн бұрын
It’s options. He doesn’t have to pay any tax unless he exercises them to buy shares of the stock at a fraction of the current value.
@vivekb.9621
@vivekb.9621 5 күн бұрын
Two points that were missed in the video: - claiming CCA will often result in recapture when you sell the property for a profit. This means all CCA claimed in the past gets included as income in the year of sale. - So the "investment opportunity" is tie up $138k to earn about $8k positive cash flow per year? This doesn't consider vacancy rates and repairs. Makes the numbers look better than reality.
@growwithnav
@growwithnav 5 күн бұрын
NOE includes vacancy and repairs. And how about the appreciation? Sure it’s tied up, but consider cashflow as dividends and since it’s land, it will appreciate in value over time.
@vivekb.9621
@vivekb.9621 5 күн бұрын
What is the NOE breakdown? $10k to $11k per year seems low. Are you including income taxes in NOE which would be close to 50% if you have the rental property in a corporation?
@1unknown_user1
@1unknown_user1 5 күн бұрын
Location 6:24 I am going to Vegas next month. You were refused entry to US last year. Remember? I don't think they will allow you to enter any time soon. You are on their watchlist for the next 10 years.
@msingh683
@msingh683 4 күн бұрын
😮 How you know ?
@user-ei2en4me9o
@user-ei2en4me9o 5 күн бұрын
What happened to you channel potato talks 😂 Failed !! 😂
@contactkashif
@contactkashif 5 күн бұрын
What are you, a child?
@VatsalSingh007
@VatsalSingh007 5 күн бұрын
In Elon Musk example, to pay back 100M in next 5 years he will have to pay almost 1.8M per month. So he will have to arrange that fund. Isn't income tax needs to be paid on the amount he is earning and from his savings he is paying his EMI? What am I missing?
@jitenbhatt1273
@jitenbhatt1273 5 күн бұрын
I wanted to ask the same..I saw many videos (Robert Kayosaki and others) stating half side up to getting loan and not sure about repaying and related taxes
@growwithnav
@growwithnav 5 күн бұрын
He won’t pay back. He has an insurance policy that covers his debts - that will pay off the debt and the proceeds incl his shares goes to his legal heirs.
@nb1638
@nb1638 4 күн бұрын
@@growwithnav instresting what type of insurance policy is that? I don't want to pay my bank loan too.
@VatsalSingh007
@VatsalSingh007 3 күн бұрын
@@growwithnav If I am not wrong, next question which comes to my mind is insurance company must be earning more than what they are paying off. How they are getting paid if they are paying off the 100M debt plus interest?
@veerpalkaur2517
@veerpalkaur2517 7 күн бұрын
♥️♥️
@RajanKhalra9990
@RajanKhalra9990 7 күн бұрын
He is a mature kid must say…kid by age…mature by mindset…that’s what everyone should learn from Him…All the best Akshit…khichke rakh Pra…✌️
@WorldTraveller0001
@WorldTraveller0001 7 күн бұрын
Tax the rich 🤑 and then use that money 💰 to fund Trudeau corruption. Trudeau must go
@jeffrey8921
@jeffrey8921 7 күн бұрын
Canada is the gate for USA for migrants.
@michael9928
@michael9928 8 күн бұрын
Hi ,I'm single and I recently got my pr ,my question is should I buy a 2 bedroom apartment and give on rent or save and buy a house 🏠 . Secondly if I do either of it I will be on debt here and I also intend to take a loan in India and buy a house there too , will the bank approve this in India if I do it here?
@mihirkhatri88
@mihirkhatri88 8 күн бұрын
Deer ridge not good area. 😂
@madhuvamsimachavarapu5267
@madhuvamsimachavarapu5267 9 күн бұрын
wow love your analysis
@manishanegi9733
@manishanegi9733 9 күн бұрын
Appreciate your honest work….which is key of your success…
@yaswanthkumarkooraku5476
@yaswanthkumarkooraku5476 9 күн бұрын
Hey Nav I've been following your content for a while and found it very informative and educational. Recently, I've noticed that some topics seem a bit obvious. Looking forward to more interesting and educational content, including some private insights you might already have. Keep up the great work!
@winchangkou
@winchangkou 9 күн бұрын
F the war and covit
@jhilmil1401
@jhilmil1401 9 күн бұрын
😂😂
@ayotundeoludahunsi4067
@ayotundeoludahunsi4067 10 күн бұрын
😂
@jhilmil1401
@jhilmil1401 9 күн бұрын
😂😂
@user-kv4kp4co1r
@user-kv4kp4co1r 10 күн бұрын
NAV ponzi
@sumeet5133
@sumeet5133 10 күн бұрын
paji tussi channel change kar liyo ?
@supertramp1692
@supertramp1692 10 күн бұрын
Here is my take on this as a first time buyer. 1. Don't buy if you can't put at least 20% down. Remember that 5% down offers are really not meant for you, they are meant for banks to make money off you. 2. Always ask if this is the right time to buy. This question would make you do your research. For me, I would wait to see how this year goes. Can see the stress in the market right now. %sales/%listings ratio is going down. 3. When you actually decide to buy, do not go over budget ever. If you can't afford it, just don't go for it. Quick check on affordability: %EMI not exceeding 30% of cashflow/per month for a mortgage term of max 20 years. Do not ever go more than 20 years. 4. Do not put in blind bid offers. Again, the system in Canada is meant to favor the sellers and realtors. Realtors make more money if they sell it for more. Simple. 5. Hope you do your own research. Best of luck!
@user-yd8bj9fl4l
@user-yd8bj9fl4l 10 күн бұрын
Very nice video! Could you also make a video comparing amortization of fixed vs variable interest rates? I have heard in the long run, you end up paying more principal in variable rate vs fixed rate. Is that true?