All the best Mark! You've done a shit load of work for all of us to enjoy. Great to have worked with you on TAP!
Haha yeah! i love my Following! It is a great bike for the N Shore, Burke, Squamish etc. Love it lots! I have had a couple of Nomads, VP Free, Hecklers etc and I can pop off stuff just as good and climb just as good as my Old TallBoy. Too bad there's no dealers in Canada so had to buy direct. 29ers are far from dead and so goes for Evil!
I work in the business for a major bank.
In my opinion never invest your downpayment money in an instrument that does not guarantee your principle, sooo any type of Mutual fund, equity act is out of the question. Money invested in quities etc should always be a long term horizon i.e. plus 10 years (ex retirement)
2nd be very careful as to the prepayment allowances given to any mtg you take out from a bank. Ie the ability to increase you monthly, weekly payments. Even if you are allowed to make accelerated payments etc. which has the power to knock off 3 plus years of your amortization.
Brokers are great but go to a bank that has a Mortgage specialist. Their pay structure is a lot different from brokers so they are a bit more in tuned with the full banking package. You do not need to someone who is a one trick pony. you need an institution that will add advise about your mortgage and investments under one roof. Get rid of your mtg quick so that the bank can help you save for retirement should be the goal for all banks. Hope this helps!
Missed it by that much