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519 Sports Online

GOJHL - Ayr Centennials vs Elmira Sugar Kings

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519 Sports Online

GOJHL - Cambridge RedHawks vs Kitchener-Waterloo Siskins

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519 Sports Online

GOJHL - Caledon Bombers vs Listowel Cyclones

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519 Sports Online

GOJHL - Brantford Bandits vs Stratford Warriors

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519 Sports Online

OFC Football - GTA Grizzlies vs London Beefeaters

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519 Sports Online

PWHL Preseason - London Devilettes vs K-W Rangers

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519 Sports Online

GOJHL - Brantford Bandits vs Cambridge RedHawks

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519 Sports Online

Under-13 Hockey - Chatham-Kent Cyclones vs Cambridge Hawks

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519 Sports Online

Ayr Centennials first ever goal in the GOJHL

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519 Sports Online

GOJHL - Elmira Sugar Kings recognize their graduating players

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CTV News Kitchener

Cambridge man runs from Guelph to Goderich

From CTV Kitchener’s Jessica Smith: A Cambridge man runs from Guelph to Goderich to raise around $10,000 for the Heart and Stroke Foundation

CTV News Kitchener

Canadian army training opens in Puslinch Township

From CTV Kitchener’s Spencer Turcotte: About 40 Canadian Army Reservists have turned Puslinch Township into their temporary training ground.

CTV News Kitchener

Homecoming weekend 'tame' compared to years past

From CTV Kitchener’s Colton Wiens: COVID-19 restrictions were strongly enforced as students gathered for homecoming weekend in Waterloo Regi

CTV News Kitchener

Webcast for Sept. 26

From CTV Kitchener: Your local news and sports for Sept. 26

Hacksmith Industries

I Made Adamantium Wolverine Claws!?

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Folkway Music

Lefty Vintage Gibsons? They’re Out There!

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The Games Institute

Dungeons & Dragons One Shot: Cryptid Nature Conservatory

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Jaclyn Wingfield

Shirt jackets to transition your wardrobe into fall

As a follow up to my post on knit sweaters to add to your closet for fall, here is a roundup of shirt jackets to transition your wardrobe into fall. The best part is that you can layer these with…

The post Shirt jackets to transition your wardrobe into fall appeared first on jayywing.


Spoke Online

From Student To Home Owner

By Ryan B Chan

Becoming a homeowner is probably one of the last things on a student’s mind. There are so many other things that take the forefront. Grades, work, social life, finances all take precedent, but real estate agent Troy Challe shows that it’s really not as difficult as it seems. 

“First off, it’s all a case by case basis,” Challe said during an interview. “The market is heated right now, that’s no question. The advice is to get in any way you can as early as you can. I see a lot of young people buying residential properties together.” 

More young people are buying homes as a group as a first step in getting into real estate investment and ownership. Instead of paying large down payments which could go up to $25,000 for a $500,000 home five students can all pitch in $5,000 for a foot in the door for real estate.  

Challe points out that many students are not only working in unison, but they are also choosing to buy their first homes in more rural areas like Brantford, Thorold, and Grimsby as they are “awesome” investment opportunities with high return rates. With distance-working more accessible for many people, this option makes a lot of sense as workers can live in rural communities and still work efficiently. 

For non-remote workers, Challe offers a different strategy. 

“Go for a base model and update it later. Get the absolute cheapest you can just to get your foot in the market” he said.

Challe said there are many first-time investors simply placing a downpayment on a developing home and holding onto that position for a few years while the houses are built and then they sell their spot once the homes become available. Many people can nearly double their money from that downpayment in this process and then use that money to secure a home they intend on living in. 

Challe even describes people who have simply owned a home in a rural area, allowed someone else to rent it, and then rent a home where they themselves work, usually in the GTA. This way they can still build good credit and investment with banks while actually living in an area where they need to be.

Less than four months ago, Sean Cain, a 25-five-year-old Fanshawe college graduate, got into real estate by going in with his brother. He purchased his first home, a townhouse in Hamilton. Together they were able to secure a downpayment on a home worth about $750,000. In an interview, he highlighted some of the largest challenges he faced while searching for a new home. 

♦Photo of Sean Cain outside his new Hamilton home. Photo by Taylor Elizabeth Roy.

“Getting the mortgage was the most stressful part. Partly due to age and the fact it was our first time.” 

Cain said that the real reason he wanted a home over renting was because the math favoured homeownership. 

“If I was renting in the area for what I wanted, I’d be paying more than I pay for my mortgage each month.” 

The process for Cain was only a maximum of two to three months once he and his brother had decided to really buy a home. The advice he had to give anyone looking for buying a home was to start putting money into your RRSP account. 

“Because every time you put $1 into your RRSP, you get to write that dollar off of your taxes. It’s a huge deal and no one thinks about it. Young people often think of the account as a retirement account rather than a first-time home buyer account. You’ll have 15 years to put it back, so there’s really not much to lose,” he said.

The complicated world of real estate really isn’t as complicated as it may seem to be. There are tools for students to take advantage of to be first-time owners with relative ease. Incentives like first-time home buyers’ tax credit and real estate agents actually make the process a lot easier and manageable, but the trick really is to just get started.


519 Sports Online

OFFL (Under-10) - Niagara Generals vs Cambridge Lions

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519 Sports Online

Remembering Carter Schoonderwoerd, a special ceremony in Stratford

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519 Sports Online

Under-16 Hockey - Brantford 99ers vs Waterloo Wolves

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519 Sports Online

OUA Football - James Hinsperger with a big day on defence for Waterloo

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519 Sports Online

PWHL Preseason - Oakville Hornets vs Cambridge Rivulettes

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519 Sports Online

GOJHL - Listowel Cyclones vs Stratford Warriors

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Alysha Brilla

Bigger Than That- Alysha Brilla & Friends LIVE at Studio Brilla

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Alysha Brilla

"Rescue" by Alysha Brilla on CTV Live Regina

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Adam Wathan

Componentizing a Dashboard with Tailwind CSS

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CTV News Kitchener

Police identify homicide victim in Kitchener

From CTV Kitchener: Police have identified 18-year-old Joshua Bennett as the man who was found dead in Kitchener Friday morning.

Hacksmith Industries

IMPOSSIBLE To Hit Baseball Pitch!

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Alysha Brilla

Blue Moon - Alysha Brilla

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CTV News Kitchener

Low supply drives up car prices at dealerships

From CTV Kitchener’s Heather Senoran: Car buyers should prepare to pay more due to high demand and low supply.

CTV News Kitchener

Local mural connects residents during pandemic

From CTV Kitchener’s Jessica Smith: Community mural connects residents by showcasing different stories and experiences from the pandemic.

CTV News Kitchener

Dry conditions expected to start next week

From CTV Kitchener’s Jessica Smith: After a soggy start to fall, dryer conditions and seasonal temperatures are expected for next week.

CTV News Kitchener

Building plans at local church draw criticism

From CTV Kitchener’s Colton Wiens: Plans to build a three-story addition at a church in Cambridge draw mixed emotions from residents.

CTV News Kitchener

University students gather for homecoming weekend

From CTV Kitchener’s Natalie Van Rooy: University students gather on smaller scale for the return of homecoming weekend in Kitchener-Waterloo.

CTV News Kitchener

Investors weigh their options following election

From CTV’s Pattie Lovett-Reid: Investors should re-evaluate their portfolios heading into slowest trading months of the year.

CTV News Kitchener

Local business creates naturally scented candles

Two entrepreneurs turned their love for naturally scented candles into a full-time business in the midst of a pandemic.

519 Sports Online

GOJHL - The Ayr Centennials introduce their assistant captains

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519 Sports Online

Carter Schoonderwoerd's family presented with a framed jersey by the Stratford Warriors

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519 Sports Online

PJHL Preseason - Hespeler Shamrocks vs Dundas Blues

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519 Sports Online

Listowel native Brayden Gingrich raising money & awareness for suicide prevention

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CTV News Kitchener

Risk of showers persists

From CTV Kitchener's Shannon Bradbury: Expect thunderstorms on Saturday, with the risk of rain continuing into next week.

CTV News Kitchener

COVID cases rising among youth

From CTV Kitchener's Natalie van Rooy: Only weeks into the new school year and COVID-19 cases among students and youth are already rising.

CTV News Kitchener

Study compares Polio virus and COVID-19

From CTV Kitchener's Heather Senoran: Researchers at WLU are studying the differences between the COVID-19 pandemic and the Polio epidemic.

CTV News Kitchener

Ontario expanding capacity limits at some venues

From CTV Kitchener: Ontario is easing capacity limits for some indoor and outdoor settings where proof of vaccination is required.

CTV News Kitchener

Police seeking help identifying homicide victim

From CTV Kitchener's Stephanie Villella: Police are seeking the public's assistance in identifying a man who was found dead in Kitchener on Friday morning.

CTV News Kitchener

Oktoberfest kicks off

From CTV Kitchener's Carmen Wong: Oktoberfest 2021 is officially underway, with the first keg of the Bavarian festival tapped on Friday.

CTV News Kitchener

Cracking down on Homecoming parties

From CTV Kitchener's Nicole Lampa: Students at Waterloo's post-secondary institutions are being urged to avoid large, unsanctioned gatherings this Homecoming weekend.

CTV News Kitchener

Flood warned ended in Ayr, New Hamburg, Drayton

From CTV Kitchener's Jessica Smith: Water levels have started to recede in the watershed communities of Drayton, Ayr and New Hamburg.