So many people are living in fear of loss. They lose sleep over buying a home or investing for retirement.. "what if I buy today and the market goes down 15% next year?" What people should really be worried about is having capital sitting idle and not working for them. Forget about trying to time markets instead get your money working for you via a long term buy and hold strategy. Take advantage of our record low interest rates, the principal residence exemption, and leverage.

Update: I just renewed one of my investment mortgages (Sept 7) at 1.2% variable rate.