As we move into March, many of you already have been diligently deposting funds into your RRSP investments with the hope that they remain fairly consistent over the year. Have you often wished you could see stable double-digit returns on your RRSPs, rather than the up-and-down volatility associated with the markets?

Think of how easy it would be to project your savings, if only you could be assured a fixed return. Although RRSPs are a long term investment, those years of negative returns can have a damaging effect on your portfolio. Especially if the down years take place during your actual retirement.

We may have a solution for you that will help you not only preserve, but grow your RRSPs. By placing your funds into a RRSP second mortgage you can receive a steady 8%-12% return, allowing you to know exactly how much your portfolio will grow.

Alleviate the stress and worry of how another pending stock scandal or a failed corporate takeover will affect your retirement fund. Instead you can relax knowing that the asset you have your money invested in becomes even more secure each year as Calgary property values continue to increase.

If you would like more information on how you can invest in RRSP mortgages, send an email to bill@housez.ca with "RRSP" in the subject line and I will help you obtain the information you need to make an informed decision.

Hot Properties

Longer Term Investments

1) Calgary: Pensdale Green - $25,000 cash investment on a rental townhouse located in the south community of Penbrooke. This is an Equity Appreciation Investment with some minimal cash flow payouts. This means the cash flow is paid twice a year and the equity portion will be paid out at the end of the term. The Return-On-Investment (ROI) is projected to be a conservative 15% per year, which could even be greater depending on current market conditions at the end of the term. Length of term is between five to eight years. This is an excellent opportunity for a first-time Real Estate Investment.

2) Calgary: Forest Lawn - $30,000 outlay on a rental half-duplex in this burgeoning community. This is an Equity Appreciation Investment, which the equity and mortgage will be paid out at the end of the term. The inital funds go towards covering all expenses associated with the purchase and minimal upgrades. The ROI is projected to be 20% per year. Investment term is between five to eight years. Forest Lawn is poised for some huge value increases over the next five years. It is a popular rental market that is easily accessible to the city center. These and other factors are projected to trigger a major transition over the next decade.

3) Calgary: Bowness - This is a pending investment which should come due in April or May. The investment amount is $30,000, with approximately a $200 monthly cash flow and a steady appreciation. A conservative projection will be an ROI between 22%-25% return per year with a five year term. Watch next month's Newsletter for further updates. This will be an 8% return, just on the cash flow alone!

4) Calgary: Forest Heights - This Rent-To-Own property requires a low $16,000 investment. Even though it offers a $25 negative cash flow per month, we are purchasing it at nearly $10,000 under market value, which will provide an immediate return of $5,000 or 31%. Overall ROI will average 20% or more per year. Call Karen today for more information.

Shorter Term Investments

· We have just begun our next project in the NE Calgary community of Castleridge and already have partner investors involved. If you would like to join us in our next renovation project, please contact us for a detailed KatSid Housez Investor's Prospectus. We have another upcoming project and would be pleased to have you collaborate with us.

· Do you know someone in the Calgary area who wants to sell their home, but it needs a lot of loving care and attention? We have partnered with many other homeowners who have sold their properties to us in a partnership and we have been able to increase the value dramatically, ensuring they receive the equity they deserve.

Investments with us can be registered either on the title of the property, or a caveat can be placed on the property. Both methods ensure that you are protected and help to safeguard your investment.

If you would like more information about investing in Real Estate, visit our web site:

www.housez.ca/Invest/CalgaryRealEstateInvesting.htm

send us your address and we will immediately forward our KatSid Investor Prospectus to you

Call Karen or Bill at 880-5256, or email us at info@housez.ca and we will provide you with the information you need today to start your investments tomorrow.

Prices are already to high - When is the bubble going to burst?

The conversation comes up frequently when we talk with friends or non-Real Estate investors: Everyone cannot believe how high the property prices have become and how unaffordable most real estate is now.

Many individuals are even apprehensive about purchasing a bigger home because they feel "the bubble has to burst soon". As we like to point out every few months, Calgary and even Alberta are not about to burst anytime soon.

Unlike the mid-1980s, when property values came crashing down, there is substantial economic underpinnings causing current values to increase. The primary factor is the huge effect oil is having all over the world.

With the demand increasing each year and no other major stable replacement sources emerging, we are in an enviable position with our largest importer situated directly south of us. Record profits for the large oil companies and huge amounts of investment cash are moving into Alberta, allowing us to enjoy the trickle-down effect.

As the large companies continue to increase their profit, employees are getting paid more, the amount of disposable income increases and financial opportunities for people continue to grow. These increases in wages allow more money to be spent on housing without affecting lifestyle.

To put this into perspective, my parents bought their current home for only $19,500 in the late 1960s. According to StatsCan, the average weekly wage then was $117 per week, which is just over $6,084 per year. This is with the majority of homes having only a single breadwinner.

Calgary has one of the highest amount of families that per year earn $100,000 per capita. This equates a $300,000 home easily into the same range as that $19,500 home was in the late 1960s.

If you would like more information on this topic, please feel free to call or email me. I would also enjoy hearing your thoughts on where you feel the Calgary Real Estate market is headed.

In Closing

Watch for another spurt in the market over the few weeks. Now that RRSP season is effectively over and people have an idea of what is happening with their taxes, it will be time for them to start spending again.

Have a great month and we hope to hear from you soon. Remember, if you are enjoying what you read share it with others, if you don't share it with us! Until next month, Happy March!

Bill & Karen Biko

KatSid Housez Inc.

www.housez.ca

Calgary, Alberta

403-880-5256

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