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Welcome to Dynamic Wealth Management's brand new website.  Please take a look around and take a moment to read the blog.  I will be posting my thoughts on investing and the markets every Monday, so check back every week to get the latest news.


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How to Contribute to Your RRSP Using Someone Else's Money PDF Print E-mail
Written by Kalson Jang   
Monday, 13 February 2012 22:48

I wanted to give everyone some good news on the RRSP Product that I talked about last week.

The deadline to contribute has been extended to February 29, 2012 to coincide with the deadline for 2011 RRSP contributions!

If you didn’t get a chance to read that article yet, I think you should really take a moment to check it out.  It’s a great way to invest for the future without tying up your cash flow!

This week, I have another product that ties in perfectly with last week’s product.

If you are interested in contributing to your RRSP, but don’t have the cash flow to make a contribution right now, you can get an RRSP loan to help you contribute!  The current rates are very low at Prime + 0.5% = 3.5% (based on current interest rates).

You can even defer your interest payments for up to 6-months, so you won’t have to pay a single penny until your Tax-Refunds and Cash-Back hit your bank account!

As a result, you can borrow $5,000 and contribute it to the product I talked about last week which will get you up to $3,820 in Credits/Refunds by May 31, 2012.  These funds can then be used to pay back most of your $5,000 RRSP Loan.  The remaining balance can be paid off over the next 2-years.

If you’re interested in getting an RRSP Loan for the product I mentioned above or for any RRSP at all, please let me know and I can help you set everything up.

All I need is a few pieces of information to get started.  You’ll know almost right away whether you’re approved or not!

Kalson Jang  鄭家豪

Phone: 416-775-8777
E-mail: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Get $5,000 Into Your RRSP Today for as Little as $1,180! PDF Print E-mail
Written by Kalson Jang   
Monday, 06 February 2012 22:03

It’s RRSP time again and the deadline for this year is February 29, 2012 which is coming up very soon!

If you would like to learn more about RRSP’s, please take a look at some of the previous articles I wrote on my website!

Today’s article is going to focus on a great product that I have available for RRSP contributions.

I have a special fund available that primarily uses its money for private placement loans to strong companies in Ontario.  Because of their focus on Ontario companies, the Federal and Ontario government offers a 20% tax-credit to you for investing into to this Fund.

The fund company is offering an additional 10% “Cash Back” as an incentive to invest into this fund.

This is all on top of the normal Tax-Deduction you would get from your RRSP contribution.  If you are in the highest tax-bracket, this tax refund would equal 46.41% of your contribution!

Therefore, if you contribute $5,000 to your RRSP through me by February 29th, 2012, you will get:
1. $1,000 = 20% Tax-Credit from the Government
2. $500 = 10% “Cash-Back” from the Fund Company (a cheque will be mailed to you by May 31, 2012)
3. Up to $2,320 Tax-Refund from the Government

Therefore, your total refund/credit for the above 3 items would be $3,820 back in your pocket!

Your RRSP account will have $5,000 working for you, but you will have received up to $3,820 in refunds/credits back in your own pocket, meaning that your cost of investment is only $1,180.

Your money has to be locked into this fund for 8-years.  You can sell it before that time, but if you do, you will have to repay part of the 10% Cash-Back as well as the 20% tax-credit from the government.

As I mentioned earlier, this special offer is only available until February 29, 2012, so please contact me A.S.A.P. if you’re interested!

Kalson Jang  鄭家豪
Phone: 416-775-8777
E-mail: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

You Buy Everything Else on Sale, Why Not Equities? PDF Print E-mail
Written by Kalson Jang   
Monday, 26 September 2011 21:44

As many of you know, the equity markets have taken a bit of a hit lately and I’m sure you’ve heard from more than one person that it signals the end of the world.  Those people are usually the type who never make any investments because they’re always afraid of losing money.  Or even worse, they’re the type of investor who “Buys High and Sells Low”.  As with any investment, there is always a risk of the markets going down, but as history has shown us, over time, the markets always end up higher than they did before.  That is why I find it very amusing when someone tells me that the financial system is going to collapse and that the world as we know it will end.

As someone whose profession is to help people manage their money and investments, I take an entirely different approach to the average Joe who’s out there.  When they are looking up to the sky and expecting it to fall, I make the moves necessary to make money.

When the markets drop, I buy.
If they drop more, I buy more.
When the markets go up, I take some profit.
When the markets go up more, I take more profit.

It sounds like a very simple strategy, but the hardest part is following through.  When people see a big drop, they think the worst and when things are going really well, they get greedy and want more.  It’s those human traits that make it hard for the average investor to make money unless they know what they’re doing.

On Boxing Day, people line-up for hours to buy something on sale.  When equities are on sale (like they are right now), people are scared to buy.  The irony is that the same investor would probably have been very excited to buy a week earlier when the markets were trending up.  Yet now that they are offered the same investment they were offered last week (at a much lower price) they are afraid to buy now.  Think about gas prices, when gas prices drop, people line-up for gas, some even bring an extra jug to buy extra gas to use later!  If oil dropped by the same amount, it's likely that the same person would be scared to buy oil out of fear that it would drop more.  When gas prices dropped, they didn't think "Wow, gas prices dropped, maybe if I wait longer, it'll be free!", but when oil/equity/commodity prices drop, they think it's the end of the world (which is as unrealistic as expecting gas to become free).

Newsletter – Q4 2011 PDF Print E-mail
Written by Kalson Jang   
Monday, 30 January 2012 21:42

2011 was a very challenging year for the markets, but like we’ve seen in the past, challenging years have often been followed by very prosperous ones!

I just uploaded my Newsletter for Q4 2011 and I encourage everyone to take a moment to download it, as it provides a great summary of how the markets performed in 2011, as well as the reasons behind it. 

The newsletter also provides a great outlook on where I see the markets going in 2012.

With RRSP season in full swing, I think you will find the newsletter very helpful in evaluating how your portfolio performed in 2011, as well as what you should be doing with your portfolio in 2012!

The Newsletter for Q4 2011 can be downloaded via the link below:

On a different note, there are many specials on mortgage rates right now, and I am able to offer my clients the following special’s on fixed rate mortgages:

4-Years Fixed at 2.99%
5-Years Fixed at 2.99%

These outstanding rates are subject to credit approval and won’t last for long!  If you are looking for a home, or have a mortgage that is coming up for renewal, please contact me as soon as you can to benefit from these amazing rates!

Please remember that the deadline for 2011 RRSP contributions is February 29, 2012!  If you would like your RRSP Contribution to count for the 2011 tax-year, you need to contact me before that date.

As always, if there is anything you need to talk to me about, please let me know and I would be more than happy to help answer any questions you may have!

Kalson Jang  鄭家豪
Phone: 416-775-8777
E-mail: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Buying Your Own Health Insurance is Very Easy and Inexpensive! PDF Print E-mail
Written by Kalson Jang   
Monday, 30 May 2011 22:46

In the world today, more and more people have decided to start working for themselves so that they can enjoy the freedom associated with being their own boss.  Also, it is much more common for companies to hire contract workers vs. employing people full time.  In both cases, self-employed entrepreneurs and contract workers are left to purchase their own health benefits.

As a result, this leaves many people unprotected from the risks of health care costs not covered by Provincial Health Plans.  As well, things such as prescription drugs, eye exams, glasses/contact lenses, travel insurance, physiotherapy, massage therapy, ambulance, ultrasounds, MRI’s,  CT scans, accidental dental and dental cleaning are expenses we must pay out of our own pocket, which can add up to thousands of dollars per year.  Even if you live a healthy life, you still incur many health care costs on an annual basis which would have been covered by health insurance if you had it.  Furthermore, if you have already started a family and have a spouse and kids, they are also left without coverage and any medical expenses not covered by the government will be your responsibility.  These types of expenses can add up very quickly, especially if something unexpected were to happen.

According to the Canadian Institute for Health Information, Canadians spent an estimated $30 billion on medications in 2009, including $25.4 billion on prescription drugs.

While the public system covers cancer drugs that are administered to patients in hospitals and clinics, half of the newer cancer drugs are taken at home, leaving patients to foot the bill themselves.  In fact, 1 in 12 Canadian families faces catastrophic drug costs (defined as greater than 3% of net household income).

This is where Individual Health Insurance can help you bridge the safety gap that exists for self-employed entrepreneurs and contract employees.

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