TREB

In this country you need to pay organizations to work.

In Real Estate you pay few organizations TRREB, OREA, RECO, Insurance companies, Health Insurance organizations CREA.

What are they doing with the money? They buy Real Estate and pay people thT impose these fees that came from politics and usually never practices Real Estate.

The feet increase aleator just because new people need comissions.

The only think needed was a common database where we all access and we are all building.

We actually pay the lobby groups to impose us more fees that allow us ti work in this 

Today  I got to the Treb for a mandatory course and they kept us in the rain up to 8:20  just because the rule stated that the doors ioen at 8:30 for a course. Some peiple come from afar so they need to take in consideration tht trafic.  People inside just locked at us how we stayed in the rain. And we are paying these peiple the salaries from our overtakes fees to practice real estate.

As real estate agents we can check how much real estate these organizations own at our expense.

How many are we paying from our taxes.

RECO 9 boards of directors 3 elected directors 3 non elected directors 3 ministerial appointees .

Why do we need so many organizations?

CREA Canadian Real Estate Association 

OREA Privincial Real estate Association 

We are invited to courses where we are. Instructed to complain against other realtors si that the Treb Orea and other organizations we are paying to be allowed to function to make money from agents companining against othe agents.

Treb has 14 directors . 

Capitalization Rate

 The Capitalization Rate (or Cap Rate) is a metric used to estimate the annual rate of return on a commercial or investment real estate property. It represents the property’s unlevered yield—the return you would expect if you purchased the asset entirely with cash, excluding any mortgage or financing costs. 

The Cap Rate Formula 

The calculation is a simple ratio of income to value: 

CAP RATE= (NET OPERATING INCOME/CURRENT MARKET VALUE OR PURCHASE PRICE) X 100 

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• Net Operating Income (NOI): The property's annual income (rent, parking, laundry) minus all necessary operating expenses (property taxes, insurance, maintenance, management fees).
  • Note: Debt service (mortgage payments) is not subtracted when calculating NOI for a cap rate.
• Current Market Value: The present-day market value or the price paid for the asset. 

Example Calculation

If you buy an apartment building for $1,000,000 and it generates $70,000 in NOI annually:

CAP RATE 70,000/1,000,000 = 0.07 or 7%

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Key Insights for Investors

• Risk Indicator: Cap rates reflect perceived risk. A lower cap rate typically indicates a safer investment in a prime location (like a luxury complex in Manhattan), while a higher cap rate suggests higher risk or a more distressed asset (like an older building in a secondary market).
• Time to Recoup: It serves as an estimate of how many years it will take to recover the initial investment. A 10% cap rate implies a 10-year payback period.
• Market Comparison: Investors use cap rates to compare similar "apples-to-apples" properties in the same asset class (e.g., comparing two office buildings in the same city).
• Valuation Tool: You can estimate a property's value if you know the typical market cap rate for that area.
  • The Capitalization Rate (or Cap Rate) is a metric used to estimate the annual rate of return on a commercial or investment real estate property. It represents the property’s unlevered yield—the return you would expect if you purchased the asset entirely with cash, excluding any mortgage or financing costs. 

    
    

    Average Cap Rates by Asset Class (Typical Ranges) 

    Asset Class	Typical Cap Rate Range
    Class A (Highest quality, best locations)	4% – 8%
    Class B (Older, average condition/tenants)	6% – 9%
    Class C (Needs renovation, high-risk areas)	7% – 12%+

  • 
    

    

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How to Save Money

 How to save money for a house and how to plan for the future.

Here are few points.

Leave within your means. If you earn $100 save minimum $10 up to $50 of that amount. Never ever  spend more that you earn.

Have a 6 months to one year emergency account meaning if you cannot work all expenses can be paid from that reserve. This amount will increase with your age and with the increase of your standard of living.

Always have cash money in your house and in your wallet. How much ( in your wallet or purse enough for 2 meals, cash in your house 3 months of expenses meaning rent or mortgage utilities and food).

This saving account should be divided in three parts one for education one for travel and another part for investing in real estate.. Your goal is to own the roof over your head.as soon as possible.

Invest in yourself invest in education so you can get a higher income better position in your field. Read books about self mastery about how to improve yourself and about money.

Travel every year. Set apart money to see new places within your budget with a part of the money you saved. Never travel on borrowed money. After each trip new ideas new solutions to existing situations will be found.

Never ever allow other to think for yourself. Decide yourself what will you do with your money.

If you have a credit card use it wisely. Always pay in full all the money you have spent on it. Never pay interest on a credit card. Think about the CEO of credit cards make over 50% profit from the interest you pay. They make billions of dollars yearly in profit. You do not want to be scammed by those people.

Always keep the money in accounts where you have access to your money without loosing any money. If you can loose the money in any place do not place the money there.

Eliminate expenses that harm your body such as smoking, alcohol drugs ( even prescription drugs) Something that has no life cannot give life. Spend time in nature in fresh air. You will get inspiration and energy and ideas while you walk or run if you can run.

Have an emergency account only in your name even if you are in a relationship and you have a common account as well.

Me, I do not believe in crypto currency. but you use your own judgement for where you place your savings.

I am writing this blog after i found out that a brilliant scientist and author David Wilcock took his own life because he had so much debt that he could not handle it.

Realm App Market Stats

 

Aurora Ontario, Old Trees Are Cut To Install What? New Shade Structures

Money laundry or something else is happening in Aurora. Fleur Park used ti have old trees. They were cut by the town to install shades . For the last 6 years a public washroom is kept closed in the same park. But we pay high taxes and the town employees are busy cutting

old trees. Really?

Here used to be a 300 years old trees. Complete lack if respect for nature from the people we pay from our taxes.

We paid fir this fence too.

They are planning ti install what?

This is the public washroom closed fir the last 6 years .

Town workers paid by us that are destroying old trees to plant new ine

 The price ti plant a new tree is estimated ti hundreds if dollars. We pay for this while old trees were cut from the park. These people have no other jobs so destroying the nature is the logical thing to do for them. What about cleaning the park of the garbage?

CMA Comparative Market Analysis

 

House Sale Statistics for Aurora, Newmarket, for the last 60 days

 

Statistics for the period 20 February- 21 April 2026

In the last 60 days in Aurora, 87 properties were sold with prices listed between $719,999 and $3,900,024, having an average listing price of  $1,295,802.

These properties were sold for an average price of $1,265,131  having minimum price of $719,000 and a maximum price of $3,500,000

In the same period in Newmarket, 100 properties were sold with asking prices from $484,900 to $1,575,000.  The average asking price was $1,017,087

The average sale price was $992,117, with a minimum sale price of $380,000 and a maximum sale price of $1,485,000