I am still wondering, in this low-interest environment, why he is "watching (his) wonderful numbers slide into more dismal territory"?

It's scummy because they profess to want to deconstruct the house for the good of their trainees and the environment, and it turns out that those aren't the primary reasons.

That "difference" will grow and compound and will ultimately equal the death benefit at the endowment age.The problem with your "difference" is that it remains in a tax hostile environment AND you have to withdraw it to access it.

We unfortunately deal in a hostile environment of reality not like the Gaines who appear to purchase full kitchens for $8000 in Texas.  

The people I know who who have had to live in the temporary work rooming house environment is community living.

@Ali Boone My major is Mechanical Engineering, Rochester is certainly interesting and I think we'll see some innovative things from the budding start up/college environment in the near future.

I am a currently working as a real estate agent for kw (new agent) but I also own a ceramic and flooring company and been in the construction business and environment since young.One of the first things I've done by researching here was to join the reia in my area.

@Derek AllenMost of the Big-5 owned brokerages will still allow a non-arms length mortgage to be held by a registered account (Self-directed RSP, TSA or RIF (not sure about RESP)) - but in today's interest  rate environment the costs and overhead of having your registered account lend to you is quite likely not a good use of funds.If you want to hold lend arms-length notes and hold mortgages in a registered account, the only lenders left doing this (as of 2012/2013) were:B2B Trust (a subsidiary of Laurentian Bank);Canada Western Trust;Olympia Trust; andEastern Trust (a boutique lender in NFLD). 

We only want to encourage you to buy smart, particularly in this market environment where deals are plentiful, no need to buy the first thing that comes along, new or otherwise, and pay a premium for it.

I tell them  they only have to take that environment for a year (Owner occupancy requirement) and then move out of the neighbor(hood).