Should Your Down Payment Sit in Cash, or Go to Work?

Down Payment Strategy · Engineering Perspective Should Your Down Payment Sit in Cash, or Go to Work? The generic answer is "always invest, growth is smooth." The generic answer is wrong for money you need in 24 months — and the real lever isn't the one most people chase. By Navjot Singh Financial an

Why Most Realtors Give Bad Advice (And How to Spot a Good One)

  Selling Mindset vs. Advisory Mindset Why Most Realtors Give Bad Advice (And How to Spot a Good One) Not because most agents are dishonest. Because the incentive structure they work inside rewards a closed deal over a correct one — and that's provable, not just cynical. By Navjot Singh Here's the c

The Strait of Hormuz Is Setting Your Cap Rate

  Macro-to-Local Translation · Engineering Perspective The Strait of Hormuz Is Setting Your Cap Rate Oil-driven inflation isn't a Bank of Canada story. It's a discount-rate story, and it just ran through the circuit in real time. By Navjot Singh Most industrial buyers underwrite today's interest rat

Ontario's NRST Rebate: A Bigger Signal Than the Buyer Ban

  Policy Analysis Ontario's NRST Rebate: A Bigger Signal Than the Buyer Ban Ontario's Nov. 2025 NRST industrial-use rebate refunds the 25% speculation tax on land converted to industrial use — a bigger signal than the 2027 ban expiry. By Navjot Singh · 15 min read · 3,067 words By Navjot Singh, a re