Meet My New Friend Maria Carey
  
Some of you that are connected to me via my personal Facebook page have likely seen some photographic and video evidence of my studies into the capabilities of Artificial Intelligence (AI) software.
So in the spirt of "Full Disclosure" this photo with Maria Carey is total "Artificial Intelligence" at work. For me, it is a hobby that I share with you but others are using it to steal and cheat for profit.
This is where you have to be extra careful with things you see on the internet and how the number of scams is increasing with AI. Fake websites and fake celebrity endorsements are an everyday threat.
Be careful with your personal information and buying patterns on the internet.
As part of internet cautions, if you are receiving spam emails to buy various products and they offer an "unsubscribe" button, avoid using it. By unsubscribing from spam authenticates that you have a legitimate address. Consider what I do which is using my email software (works very well with Gmail) to block the sender. Basically, you never see an email from them again, and if they end up being legitimate, you can unblock them.
What Mortgage Strategy Would Be Albert Einstein's Choice
Are you familiar with the various lists referred to as the "Seven Wonders of the World?" There are several, including "Seven Wonders of The Ancient World", " Seven Wonders of the Manmade World."
One of the world's greatest mathematicians referred to compound interest as the "Eighth Wonder of The World." He went on to say, if you understand it, you earn it, if you don't understand it, you pay it.
If he were around today, and he had a mortgage I suspect he would be inclined to consider a relatively unknown strategy nicknamed "The Power of the Pay Cheque." The mortgage product required to use your pay cheque to reduce interest on your mortgage is only available in a fully automated way through two banks in Canada. This would explain why it is not widely known.
"The Power of the Pay Cheque" is an advanced mortgage strategy that I share with clients that have "More Money than Month." When you have money left over at the end of the month, you would be a candidate that we would love to "Run the Numbers" with and see if you could shave years and thousands of dollars of interest off the cost of paying down and eliminating your mortgage.
Some of the clients I am working with are looking at paying off their mortgages in half the time they currently have on their mortgages. Give me a call or send me an email "john@canadianmortgagefinders.com" so we can have a look at saving you the maximum interest the math allows. All without having to change your lifestyle!
What Counts as Carrying Charges and What Does Not
Interest deductibility remains one of the most misunderstood tools in Canadian personal finance. In 2026, that confusion is costing homeowners and investors real money.
Carrying charges can still be powerful. But the rules have tightened, the audit lens has sharpened, and sloppy execution is what gets people in trouble, not the strategy itself. The goal is no longer “maximize deductions.” The goal is defensible, repeatable, CRA-clean deductions that stand up over time.
Here’s how to properly think about carrying charges in today’s environment.
READ THE FULL ARTICLE HERE
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