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Yi C«c& TI YOUR HOEONRSI O ~~ C SH LOW ~ J The prospect ad reireient con b. oadu--e.clg. mword. On the an hand, it oppeurs, ta b. a fuure filled wi$h fun and fiu.dom. On " wsrhond, it "a seem like lb. day of rmckoning is here. Wheri you leove the workploce. wiiI you hcrv enough money ta s«. you through "b retiremnent you've o4ways wunied? lndeed, as mony as 50 per cent aofaad seniors surveyed racently by th. Investor Edocoition Fund, a Conodion non..poit organization. scid #*iy believe their retïrement svnswifl b. exhaused witbin 10 years. This mneans *oormany, finding creative sal"oris will b. criical in order to mointoin thoir finariciol indepndence. As a Mortgag. Pionner, 1 focus On using real estate ta help meet lh. needs of senior hom.owners ta pay off debt and increose cash Plow. In my vew, real estate nic.RiIngs ai me oUmr omTI g U rlJpUfiH..wmiB e xyta oddressin the n".of o! $m generotion. If confinuing ta live in your homne is importont to yov, a reverse mort@agl lke the notîonalîy accessible CHIP Home IncaurnePMan From HomEquity Bankc moy b. o solution ibat neets your needs. Here's how it could work for you: " If you have reoched age 55, you moy b. eligible for the CHIP Home Incarne Pin frorn HomEquity Bacnk. CHIP ollows you ta convert up to 50 per cent o! the equity into tax-fre. cash. " Unlike ottier ans on the market, there are no credit or income qualifications and you ore not required to service the interest, or repay it* principal unlil you chocis. Io mcive or seil. It in is utu guraniumot yu ffiI rwoer nove mo repay more thon the fair market value of the house oftthe hme of the sale. When considering if this solution is right for your financial circumstances, you may b. interossed to know that a typical CHIP customer has on onnual household incarne under $75,000 and 79 per cent of clients hod less thon $250000 saved For retirement. If tdiiisounds like you, booking cf your individual circumstonces to determine the right course of action and structure o retirement plan that meets your needs mcy be worfh your whîle. IF you'd like more information on how fa use home equity elfectively in retirement, contact me. John Catun iu un Approtwil Mor4p aFonner wrnh Mort»ago Archuwcu. Mortgage questions and conoern can lie di#wcted ta John Couan ý oficoe, located at 14 Martin St., Milton. John can be rrached by 1ph~.-:f905478.7213 or by enail: o.cumgnc. John Cawan k weboite uilouw.sra#sfvmort8ffe.ca. Con tact John taday about yeur str<isfroe mortg<ige oppornnte. Jk" M êA&-