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Psycho-Cybernetics: How your Subconscious “Set Point” Determines your Financial Future

02 Aug 2013

Kupina Mortgage, financial, RICH, freedom, goal

Psycho-Cybernetics is a way to define our self-concept so we can attain personal goals. Many of the training methods used for elite...

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Stricter Debt Ratio Standards on the Way

02 Aug 2013

Mortgage, Kupina Mortgage, Mark Kupina, fixed rate, amortization, cmhc, property tax, mortgage rule, gds, tds, income tax, condo fee, debt ratio, debt service, income, qualify, variable income

Kupina Mortgage

When CMHC tightened mortgage rules last year, among the changes were stricter debt ratios and income confirmations. For typical borrowers, these are...

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How the Rich use their Minds to Attract Wealth

02 Jul 2013

wealth, action, ATTRACT WEALTH, ENVISION, focus, RICH, THINK AND GROW RICH, trust

Kupina Mortgage

Yes, it’s possible to think and grow rich. That’s what wealthy people have been doing for generations. By developing the right mindset,...

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Slow, Steady Economic Growth, with No Rise in Bank of Canada Rate until Next Year

02 Jul 2013

Kupina Mortgage, mortgage rate, interest rate, recession, bank of canada, future rate, economy, rate, stock market

Kupina Mortgage

There’s still lots of turbulence in the global economy, with Europe in recession, the US growing at a modest pace, and China’s...

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Here’s a great way to ENHANCE your Employee Benefits

31 May 2013

mortgage broker, Kupina Mortgage, home-buying, employee benefit, employee mortgage, home buying benefits

Kupina Mortgage

Let’s face it, employee benefits are hard to come by nowadays. In today’s tough economy, companies are cutting their spending on “non-essentials”...

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How to Become Mortgage-Free Faster without Breaking the Bank

31 May 2013

Mortgage, mortgage free, budget, lump sum, bonus, financial analysis, house poor

Kupina Mortgage

To pay off your mortgage sooner, you need a plan right from the start. Here are some important steps in that plan....

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Today’s Bank of Canada Announcement

29 May 2013

canada, Mortgage, Canadian economy, mortgage rate, line of credit, refinance, fixed rate, interest rate, prime rate, interest, budget, purchase, renew, bank of canada, rrsp, economy, student loan, economic, lending, overnight rate, rate, saving

Kupina Mortgage

As you know, your variable rate mortgage, line of credit and/or student loans are all based on the Prime Rate and, as...

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Nominal vs. Effective Interest Rate: What’s the Difference?

29 Apr 2013

interest rate, interest, principal, mortgage principal, monthly payment, compound interest, EFFECTIVE INTEREST RATE, mortage broker, MORTGAG ERATE, NOMINAL INTEREST RATE

Kupina Mortgage

It’s important to know what type of interest you’re paying when you take out a mortgage. There are basically two types, but...

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Yes, You Can Achieve Debt Freedom!

29 Apr 2013

Kupina Mortgage, mortgage payment, household budget, mortgage free, debt-free, interest payment, prepayment priveges, budget, pay off mortgage, rrsp, lump sum payment, retirement, cash flow, debt. mortgage, financial anlysis, manage debt, reduce expense

Kupina Mortgage

Chances are, your mortgage payment is your single, biggest after-tax expense. Unfortunately, thanks to the way lenders calculate interest, most of your...

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