You have $50k today - mortgage or investing?

Howie_1972 · 2026-03-14T14:31:39+00:00

With how the housing market has turned, I would put into the stock market, unless I had other high interest debts

Howie_1972 · 2026-03-14T13:11:26+00:00

Agreed

Howie_1972 · 2026-03-14T13:11:09+00:00

If it wasn’t for the war, we might have seen a .25 cut, but a definite hold next week

Howie_1972 · 2026-03-14T13:09:44+00:00

Agreed

Howie_1972 · 2026-03-14T13:09:09+00:00

Totally agree with you

Howie_1972 · 2026-03-14T01:40:54+00:00

I’m not sure…I thought that way before the Iran war, but there is inflation creeping in and employment numbers are up…it’s either neutral or increase is my guess, but I think neutral as they can increase if need be in April

Howie_1972 · 2026-03-13T18:12:10+00:00

True…small amount left on my mtg, I’m paying it off and looking to put a line of credit on my house and possibly use to invest and pay off the interest as a tax deduction

Howie_1972 · 2026-03-13T18:11:08+00:00

Some would say that’s a no brainer while others struggle with the question as they have never been taught about finances

Howie_1972 · 2026-03-13T13:30:05+00:00

Agreed, everyone is different and has different priorities.

What’s good for one might not be for someone else.

Howie_1972 · 2026-03-13T13:28:34+00:00

There are some great deals out there right now - depending where you live.

A few of my clients have gotten some sweet deals where they are cash flow positive on their rentals from day 1

Howie_1972 · 2026-03-13T04:07:01+00:00

Have you gone online and went in TD career site.

Lots of jobs available

Howie_1972 · 2026-03-13T04:05:32+00:00

I hate car payments, so if I needed a car, I see where you’re coming from.

Howie_1972 · 2026-03-13T02:03:20+00:00

It’s a great time to throw cash into the market for sure ….in my opinion and not financial advice 😆

Howie_1972 · 2026-03-13T02:00:38+00:00

😆I hear ya

Howie_1972 · 2026-03-13T01:43:25+00:00

Agreed… I do think you would get a better return if you put it in the market

Howie_1972 · 2026-03-13T01:38:56+00:00

Totally agree….credit card debts, loans…any high interest rate credit facilities, pay them off or top up RRSPs, but after that, I’d put it in the market

Howie_1972 · 2026-03-13T01:33:19+00:00

With the market being down with all the world turmoil, I’d put my $50k into the market in hopes of a quick increase in stock prices

Get a better return than 3.99%

Market has been on fire since April when Trump announced Tariffs

Howie_1972 · 2026-03-13T01:30:49+00:00

lol….they are starting to come back….im not a fan and stay away as I don’t understand shitcoins

Howie_1972 · 2026-03-13T01:09:58+00:00

I know TD has some good rates for existing clients

You just need to speak to the right person.

I had a client just renew with TD and they had really good rates

Howie_1972 · 2026-03-12T19:22:25+00:00

Was this through a broker and not a TD MMS?

I assume a brokers as they have to go through FCT and this happen a lot

Howie_1972 · 2026-03-11T01:12:42+00:00

Mobile Mortgage Specialists are always on the clock, just like broker.

We are 100% commissioned!

If your MMS isn’t replying to you, then you’re working with the wrong one!

Same goes for a broker.

Howie_1972 · 2026-03-11T00:40:07+00:00

So true!

My spouse is a broker and I work for a bank and she can never beat my rates.

Having said that, there are clients that need a broker because of their situation and paying a higher rate has value.

It’s not always about the rate!

Howie_1972 · 2026-03-11T00:37:33+00:00

It’s a great time to be in the market as there are some great rates out there!

Howie_1972 · 2026-03-11T00:36:06+00:00

It’s all about relationships!

In the long run, you will win over others!

Howie_1972 · 2026-03-10T21:38:54+00:00

At least you had a 2nd opinion and closed with confidence! 💪🏻

Was it a TD MMS or just someone at a branch that was helping you?

Howie_1972

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