More is required by all levels of government to deal with the systemic issues facing real estate. This presentations looks at key areas facing housing prices across Canada and the world.
Making Housing more Affordable| Canada and the World| May 2019paul young cpa, cga
More is required by all levels of government to deal with the systemic issues facing real estate. This presentations looks at key areas facing housing prices across Canada and the world.
Here is a brief look at the real estate market for Canada. The presentation talks about housing starts, average prices as well as systemic issues facing real estate including affordability.
More is required by all levels of government to deal with the systemic issues facing real estate. This presentations looks at key areas facing housing prices across Canada and the world.
Making Housing more Affordable| Canada and the World| May 2019paul young cpa, cga
More is required by all levels of government to deal with the systemic issues facing real estate. This presentations looks at key areas facing housing prices across Canada and the world.
Here is a brief look at the real estate market for Canada. The presentation talks about housing starts, average prices as well as systemic issues facing real estate including affordability.
More is required by all levels of government to deal with the systemic issues facing real estate. This presentations looks at key areas facing housing prices across Canada and the world.
President Trump’s election was about making the United States great. Part of Trump’s policies was to spend $1 trillion on infrastructure through different policies through tax policies.
This presentation looks at infrastructure in terms of where President Trump sits in terms of policies as well as how corporation are viewing tax reforms. Many corporation already look at United States based corporation like cost centers as such any sort of tax reforms will take time to work through the system.
@rjlyonsnl you are out of touch with reality on inflation. If you look at my work, then you will see I called out the issues including solutions!
FYI - Inflation has always been targeted at 1.9% to 2.2%! Trudeau will have a hard to achieve that target!
Blog – Has Justin Trudeau and his Liberal Government been Open, Transparent, ...paul young cpa, cga
Summary:
Trudeau refuses to release key information either on program spending or other documents related to operations of his government.
Trudeau green policies are play a key role with the highest inflation 30 years
1. Medical supplies - https://finance.yahoo.com/news/important-details-regarding-termination-glove-224300521.html
2. Green inflation - https://tnc.news/2022/01/19/furey-justin-trudeau-is-making-the-inflation-crisis-worse/
3. Winnipeg lab - https://nationalpost.com/news/politics/liberals-ask-conservatives-to-reconsider-stance-on-winnipeg-lab-documents
4. Middle class taxes - https://www.fraserinstitute.org/article/federal-government-has-increased-income-taxes-on-middle-class
5. Productivity - https://thehub.ca/2022-01-17/the-global-economy-rising-inflation-and-the-future-of-productivity/
6. Mining and Barton - https://www.cbc.ca/news/politics/dominic-barton-mario-dion-1.6318535
7. Lithium is a critical metal which Liberals seem to have ignored that China controls majority of the lithium market - https://www.cbc.ca/news/politics/chinese-takeover-lithium-1.6322715
8. FDI / Securities - https://www.marketwatch.com/story/foreigners-bought-c-30-15-billion-in-canadian-securities-in-november-271642428126
9. FDI - https://thefutureeconomy.ca/interviews/goldy-hyder/?gclid=CjwKCAiA866PBhAYEiwANkIneOfaI5bREX6uLOmxNnYxQ95eTw1cdbL0yDCsZ0bsEZjjq6TYhn-c1hoCCpUQAvD_BwE
10. Over valuation of housing - https://betterdwelling.com/canadian-real-estate-prices-are-overvalued-by-up-to-91-moodys/
Revised Housing and Homelessness for Canada and the World paul young cpa, cga
Summary:
Home prices have surged worldwide due to fiscal stimulus and monetary easing to help counter the economic fallout from rising COVID-19 cases. But the outlook for housing markets is now murky as the U.S. Federal Reserve and other central banks lean toward tightening policies to combat higher inflation.
Source - https://asia.nikkei.com/Spotlight/Datawatch/World-s-red-hot-housing-markets-brace-for-interest-rate-hikes
How to address systemic issues with Affordabiity and Availability of Housing paul young cpa, cga
Summary:
The value of mortgages in Canada have hit an all-time high.
The cost of construction materials has seen double digit growth.
Local government need to adopt innovation like 3D printing for housing.
Lumber costs have grown by 40% in two months.
1. Household debt - Households added $16.3 billion in mortgage debt in the month of November, representing a rise of 0.8% from October. Compared with November 2020, mortgage debt was up 10.4%, while over the same period, residential construction investment rose 11.8%. Nationally, new home prices increased by 0.8% in November, continuing the string of monthly increases since May 2020. While the volume of existing home sales were lower in November on an unadjusted basis, the average sale price remained well above the $700,000 mark. - https://www150.statcan.gc.ca/n1/daily-quotidien/220119/dq220119d-eng.htm
2. Lumber and Climate change - https://www.msn.com/en-us/money/markets/lumber-prices-are-off-the-rails-again-blame-climate-change/ar-AASVQOr
3. Housing bubble - https://www.thestreet.com/investing/will-the-us-housing-market-crash-in-2022
4. Mortgage debt - https://betterdwelling.com/canadian-mortgage-debt-has-hit-a-new-all-time-high-for-261-consecutive-months/
5. Construction materials - https://canada.constructconnect.com/canadata/forecaster/economic/2022/01/double-digit-percentage-cost-increases-for-construction-materials-persist
6. Labor - https://ontarioconstructionnews.com/immigration-reform-needed-to-bring-more-construction-workers-into-ontario/
7. Better urban planning around water, land, forest management is key to mitigating issues with climate change - https://www.slideshare.net/paulyoungcga/how-to-mitigate-the-threats-of-climate-change-250803941
8. Changing municipal building codes to support modular and 3D housing - https://www.foxbusiness.com/technology/3d-printed-houses-cost-less-take-less-time-to-build-alquist-3d-ceo
9. Better tax and economic policies that support startup as part of encouraging businesses to move out of large urban areas to smaller and rural areas - https://finance.yahoo.com/news/hundreds-small-businesses-creators-form-160000558.html
10. Better management of water systems - https://www.aquascience.net/
11. Urban solutions related to electricity needs by businesses and residential customers - https://microgridknowledge.com/fixing-the-grid-not-enough-microgrid/
12. Fixing issues with the public sector - https://www.slideshare.net/paulyoungcga/transformation-of-the-public-sector-in-canada
Summary:
Inflation continues to be an issue for many Canadians.
Green inflation continues to key part of the rise of inflation
More and more people are being left out of the housing market
1. Average House – https://globalnews.ca/news/8516543/canada-home-sales-record-crea/
2. Lumber prices - https://fortune.com/2022/01/12/lumber-prices-skyrocket-again-weather-sawmill-production-supply-chain/
3. Gasoline – https://www.marketscreener.com/quote/commodity/WTI-2355639/news/Front-Month-Nymex-RBOB-Gasoline-Rose-0-53-to-Settle-at-2-4318-Data-Talk-37578932/
4. Food - https://www.bloomberg.com/opinion/articles/2022-01-16/soaring-food-prices-can-pay-for-a-more-secure-future
5. Top jobs - https://www.ctvnews.ca/canada/these-are-the-most-in-demand-skills-for-canadian-job-seekers-1.5741586 and https://dailyhive.com/vancouver/in-demand-highest-paying-jobscanada-2022
6. Home building - https://www.cnbc.com/2022/01/18/homebuilder-confidence-drops-for-the-first-time-in-four-months.html
7. Education - https://www.kenoshanews.com/opinion/columnists/commentary-college-students-aren-t-getting-the-education-they-paid-for-where-s-the-reimbursement/article_66dd9f71-8aa3-56d4-8dc0-45de2fc67e4e.html
8. Rent costs - https://rentals.ca/national-rent-report
9. Shipping - https://rentals.ca/national-rent-report
10. Green Inflation - https://globalnews.ca/news/8508541/canada-green-transition-inflation/
11. Natural gas prices - https://www.naturalgasintel.com/february-natural-gas-called-slightly-higher-as-forecast-outlook-steady-over-weekend/
12. EV range - https://insideevs.com/news/561634/us-median-range-gasoline-bevs/
13. Existing home sales - https://economics.td.com/ca-existing-home-sales
14. Businesses and Inflation - https://www.benefitscanada.com/canadian-investment-review/research-markets/canadian-businesses-predicting-higher-inflation-through-2023-boc-survey/
Here is my latest report on the Justin Trudeau governance model
1. Housing affordability - https://betterdwelling.com/bank-of-canada-quietly-updates-real-estate-affordability-data-to-the-worst-in-13-years/
2. Wealth inequality https://thoughtleadership.rbc.com/unleashing-opportunity-the-economic-gains-in-narrowing-canadas-racial-wealth-gap/
3. Supply Chain and Trucking - https://globalnews.ca/news/8502920/covid-trucking-vaccine-mandate-impact/
4. Pandemic benefits - https://www.thestar.com/opinion/contributors/2022/01/10/cerb-harmed-the-people-it-was-meant-to-help-lets-learn-our-lesson-with-the-canada-worker-lockdown-benefit.html
5. Border safety - https://www.hilltimes.com/2022/01/12/its-time-for-a-serious-rethink-on-canadas-border-strategy/337095
6. Immigration - https://www.canada.ca/en/immigration-refugees-citizenship/news/2021/12/canada-welcomes-the-most-immigrants-in-a-single-year-in-its-history.html
7. Output of natural resources is up compared to previous quarter. Much of the gain is due to both higher commodity prices and more demand for oil - https://www150.statcan.gc.ca/n1/daily-quotidien/220114/dq220114a-eng.htm
8. China still dominates the solar sector - https://www.investorsobserver.com/news/stock-update/is-canadian-solar-inc-csiq-a-winner-in-the-solar-industry-4
9. Canada is over 80% of its energy sources from clean. Natural gas is about 10%. So, the remaining 10% is linked to diesel and other foster fuels. So, how is the government going to handle load factors for remote communities - https://www.cbc.ca/news/politics/iea-report-canada-net-zero-1.6313190
10. Green inflation - https://www.reuters.com/business/environment/canadas-shift-net-zero-emissions-likely-drive-higher-inflation-2022-01-13/
11. Lithium - https://www.bloomberg.com/news/articles/2022-01-12/supply-squeeze-risks-are-pushing-lithium-higher-and-higher
12. Mobile hospitals - https://www.trendsmap.com/twitter/tweet/1482101233410363392
Government Relations - Federal and Provincial - Canada - September 2018paul young cpa, cga
Part of building a strong unions means that all levels of govt need to get along.
Too many govt are pushing their own social agenda which has caused rifts at all levels of govt.
Wynne refuses to look at all aspects of housing including modernizing the greenbelt act - https://www.thestar.com/news/queenspark/2017/03/29/greenbelt-wont-be-loosened-to-ease-housing-prices-says-wynne.html
Rural Ontario has been hit hard with electrical policies of Wynne - http://nationalpost.com/news/canada/portrait-of-five-ontario-hydro-bills-how-a-rural-couple-pays-500-a-month-and-toronto-brothers-pay-100
Greenbelt – CPC - http://toronto.citynews.ca/2018/04/30/doug-ford-says-open-greenbelt-development/
Wynne did make changes to Municipal Planning Board - https://www.fraserinstitute.org/blogs/more-power-for-ontario-municipalities-means-more-responsibility-to-build-housing
Infrastructure is aging not just in Canada, but around the world
There are systemic issues with municipalities that are putting strains on their budget like labor cost
Transit projects are heavily subsidized
Only $10B was allocated to support exports.
Government has talked about selling off airports and ports
Liberals are playing games as part of setting up for a new mandate.
President Trump’s election was about making the United States great. Part of Trump’s policies was to spend $1 trillion on infrastructure through different policies through tax policies.
This presentation looks at infrastructure in terms of where President Trump sits in terms of policies as well as how corporation are viewing tax reforms. Many corporation already look at United States based corporation like cost centers as such any sort of tax reforms will take time to work through the system.
@rjlyonsnl you are out of touch with reality on inflation. If you look at my work, then you will see I called out the issues including solutions!
FYI - Inflation has always been targeted at 1.9% to 2.2%! Trudeau will have a hard to achieve that target!
Blog – Has Justin Trudeau and his Liberal Government been Open, Transparent, ...paul young cpa, cga
Summary:
Trudeau refuses to release key information either on program spending or other documents related to operations of his government.
Trudeau green policies are play a key role with the highest inflation 30 years
1. Medical supplies - https://finance.yahoo.com/news/important-details-regarding-termination-glove-224300521.html
2. Green inflation - https://tnc.news/2022/01/19/furey-justin-trudeau-is-making-the-inflation-crisis-worse/
3. Winnipeg lab - https://nationalpost.com/news/politics/liberals-ask-conservatives-to-reconsider-stance-on-winnipeg-lab-documents
4. Middle class taxes - https://www.fraserinstitute.org/article/federal-government-has-increased-income-taxes-on-middle-class
5. Productivity - https://thehub.ca/2022-01-17/the-global-economy-rising-inflation-and-the-future-of-productivity/
6. Mining and Barton - https://www.cbc.ca/news/politics/dominic-barton-mario-dion-1.6318535
7. Lithium is a critical metal which Liberals seem to have ignored that China controls majority of the lithium market - https://www.cbc.ca/news/politics/chinese-takeover-lithium-1.6322715
8. FDI / Securities - https://www.marketwatch.com/story/foreigners-bought-c-30-15-billion-in-canadian-securities-in-november-271642428126
9. FDI - https://thefutureeconomy.ca/interviews/goldy-hyder/?gclid=CjwKCAiA866PBhAYEiwANkIneOfaI5bREX6uLOmxNnYxQ95eTw1cdbL0yDCsZ0bsEZjjq6TYhn-c1hoCCpUQAvD_BwE
10. Over valuation of housing - https://betterdwelling.com/canadian-real-estate-prices-are-overvalued-by-up-to-91-moodys/
Revised Housing and Homelessness for Canada and the World paul young cpa, cga
Summary:
Home prices have surged worldwide due to fiscal stimulus and monetary easing to help counter the economic fallout from rising COVID-19 cases. But the outlook for housing markets is now murky as the U.S. Federal Reserve and other central banks lean toward tightening policies to combat higher inflation.
Source - https://asia.nikkei.com/Spotlight/Datawatch/World-s-red-hot-housing-markets-brace-for-interest-rate-hikes
How to address systemic issues with Affordabiity and Availability of Housing paul young cpa, cga
Summary:
The value of mortgages in Canada have hit an all-time high.
The cost of construction materials has seen double digit growth.
Local government need to adopt innovation like 3D printing for housing.
Lumber costs have grown by 40% in two months.
1. Household debt - Households added $16.3 billion in mortgage debt in the month of November, representing a rise of 0.8% from October. Compared with November 2020, mortgage debt was up 10.4%, while over the same period, residential construction investment rose 11.8%. Nationally, new home prices increased by 0.8% in November, continuing the string of monthly increases since May 2020. While the volume of existing home sales were lower in November on an unadjusted basis, the average sale price remained well above the $700,000 mark. - https://www150.statcan.gc.ca/n1/daily-quotidien/220119/dq220119d-eng.htm
2. Lumber and Climate change - https://www.msn.com/en-us/money/markets/lumber-prices-are-off-the-rails-again-blame-climate-change/ar-AASVQOr
3. Housing bubble - https://www.thestreet.com/investing/will-the-us-housing-market-crash-in-2022
4. Mortgage debt - https://betterdwelling.com/canadian-mortgage-debt-has-hit-a-new-all-time-high-for-261-consecutive-months/
5. Construction materials - https://canada.constructconnect.com/canadata/forecaster/economic/2022/01/double-digit-percentage-cost-increases-for-construction-materials-persist
6. Labor - https://ontarioconstructionnews.com/immigration-reform-needed-to-bring-more-construction-workers-into-ontario/
7. Better urban planning around water, land, forest management is key to mitigating issues with climate change - https://www.slideshare.net/paulyoungcga/how-to-mitigate-the-threats-of-climate-change-250803941
8. Changing municipal building codes to support modular and 3D housing - https://www.foxbusiness.com/technology/3d-printed-houses-cost-less-take-less-time-to-build-alquist-3d-ceo
9. Better tax and economic policies that support startup as part of encouraging businesses to move out of large urban areas to smaller and rural areas - https://finance.yahoo.com/news/hundreds-small-businesses-creators-form-160000558.html
10. Better management of water systems - https://www.aquascience.net/
11. Urban solutions related to electricity needs by businesses and residential customers - https://microgridknowledge.com/fixing-the-grid-not-enough-microgrid/
12. Fixing issues with the public sector - https://www.slideshare.net/paulyoungcga/transformation-of-the-public-sector-in-canada
Summary:
Inflation continues to be an issue for many Canadians.
Green inflation continues to key part of the rise of inflation
More and more people are being left out of the housing market
1. Average House – https://globalnews.ca/news/8516543/canada-home-sales-record-crea/
2. Lumber prices - https://fortune.com/2022/01/12/lumber-prices-skyrocket-again-weather-sawmill-production-supply-chain/
3. Gasoline – https://www.marketscreener.com/quote/commodity/WTI-2355639/news/Front-Month-Nymex-RBOB-Gasoline-Rose-0-53-to-Settle-at-2-4318-Data-Talk-37578932/
4. Food - https://www.bloomberg.com/opinion/articles/2022-01-16/soaring-food-prices-can-pay-for-a-more-secure-future
5. Top jobs - https://www.ctvnews.ca/canada/these-are-the-most-in-demand-skills-for-canadian-job-seekers-1.5741586 and https://dailyhive.com/vancouver/in-demand-highest-paying-jobscanada-2022
6. Home building - https://www.cnbc.com/2022/01/18/homebuilder-confidence-drops-for-the-first-time-in-four-months.html
7. Education - https://www.kenoshanews.com/opinion/columnists/commentary-college-students-aren-t-getting-the-education-they-paid-for-where-s-the-reimbursement/article_66dd9f71-8aa3-56d4-8dc0-45de2fc67e4e.html
8. Rent costs - https://rentals.ca/national-rent-report
9. Shipping - https://rentals.ca/national-rent-report
10. Green Inflation - https://globalnews.ca/news/8508541/canada-green-transition-inflation/
11. Natural gas prices - https://www.naturalgasintel.com/february-natural-gas-called-slightly-higher-as-forecast-outlook-steady-over-weekend/
12. EV range - https://insideevs.com/news/561634/us-median-range-gasoline-bevs/
13. Existing home sales - https://economics.td.com/ca-existing-home-sales
14. Businesses and Inflation - https://www.benefitscanada.com/canadian-investment-review/research-markets/canadian-businesses-predicting-higher-inflation-through-2023-boc-survey/
Here is my latest report on the Justin Trudeau governance model
1. Housing affordability - https://betterdwelling.com/bank-of-canada-quietly-updates-real-estate-affordability-data-to-the-worst-in-13-years/
2. Wealth inequality https://thoughtleadership.rbc.com/unleashing-opportunity-the-economic-gains-in-narrowing-canadas-racial-wealth-gap/
3. Supply Chain and Trucking - https://globalnews.ca/news/8502920/covid-trucking-vaccine-mandate-impact/
4. Pandemic benefits - https://www.thestar.com/opinion/contributors/2022/01/10/cerb-harmed-the-people-it-was-meant-to-help-lets-learn-our-lesson-with-the-canada-worker-lockdown-benefit.html
5. Border safety - https://www.hilltimes.com/2022/01/12/its-time-for-a-serious-rethink-on-canadas-border-strategy/337095
6. Immigration - https://www.canada.ca/en/immigration-refugees-citizenship/news/2021/12/canada-welcomes-the-most-immigrants-in-a-single-year-in-its-history.html
7. Output of natural resources is up compared to previous quarter. Much of the gain is due to both higher commodity prices and more demand for oil - https://www150.statcan.gc.ca/n1/daily-quotidien/220114/dq220114a-eng.htm
8. China still dominates the solar sector - https://www.investorsobserver.com/news/stock-update/is-canadian-solar-inc-csiq-a-winner-in-the-solar-industry-4
9. Canada is over 80% of its energy sources from clean. Natural gas is about 10%. So, the remaining 10% is linked to diesel and other foster fuels. So, how is the government going to handle load factors for remote communities - https://www.cbc.ca/news/politics/iea-report-canada-net-zero-1.6313190
10. Green inflation - https://www.reuters.com/business/environment/canadas-shift-net-zero-emissions-likely-drive-higher-inflation-2022-01-13/
11. Lithium - https://www.bloomberg.com/news/articles/2022-01-12/supply-squeeze-risks-are-pushing-lithium-higher-and-higher
12. Mobile hospitals - https://www.trendsmap.com/twitter/tweet/1482101233410363392
Government Relations - Federal and Provincial - Canada - September 2018paul young cpa, cga
Part of building a strong unions means that all levels of govt need to get along.
Too many govt are pushing their own social agenda which has caused rifts at all levels of govt.
Wynne refuses to look at all aspects of housing including modernizing the greenbelt act - https://www.thestar.com/news/queenspark/2017/03/29/greenbelt-wont-be-loosened-to-ease-housing-prices-says-wynne.html
Rural Ontario has been hit hard with electrical policies of Wynne - http://nationalpost.com/news/canada/portrait-of-five-ontario-hydro-bills-how-a-rural-couple-pays-500-a-month-and-toronto-brothers-pay-100
Greenbelt – CPC - http://toronto.citynews.ca/2018/04/30/doug-ford-says-open-greenbelt-development/
Wynne did make changes to Municipal Planning Board - https://www.fraserinstitute.org/blogs/more-power-for-ontario-municipalities-means-more-responsibility-to-build-housing
Infrastructure is aging not just in Canada, but around the world
There are systemic issues with municipalities that are putting strains on their budget like labor cost
Transit projects are heavily subsidized
Only $10B was allocated to support exports.
Government has talked about selling off airports and ports
Liberals are playing games as part of setting up for a new mandate.
The Consumer Price Index (CPI) rose at a faster pace in January (+1.0%) year over year than in December (+0.7%). The acceleration in consumer prices was largely due to higher prices for durable goods (+1.7%) and rising gasoline prices (+6.1%) compared with December 2020. Excluding gasoline, the CPI grew 1.3% in January—up from a 1.0% increase in December.
Source - https://www150.statcan.gc.ca/n1/daily-quotidien/210217/dq210217a-eng.htm
Food
COVID19 and Food Prices - https://www.brockpress.com/covid-19-to-cause-increase-in-national-food-prices/
https://www.greenhousecanada.com/funding-call-for-local-food-projects-33051/ - The problem with greenhouses relates to CO2 - https://ggs-greenhouse.com/heating-systems/carbon-dioxide-co2-dosing
Average house price in Canada is now $621K - https://www.newswire.ca/news-releases/canadian-housing-markets-set-records-again-in-january-820519482.html
This presentation will look into the issues facing both residential and non-residential permits. The presentation will look at trends as well as government policies.
2015 Election Promise - Liberal Party of Canada – Goods to Market – Canada – ...paul young cpa, cga
Canada is export driven country. Canada exports about 25% of its GDP. Canada needs access to market.
For each $1B of exports lead to 5,500 jobs. The exports driven jobs tends to pay 30-50% more than the service sector.
The liberal ran on a platform saying they would make things more affordable. This presentation discuss key policy changes as part of people assessing did the Liberals make lives either more affordable or less affordable
Trudeau is now making promises about cell phone as he says high cost of living. Nowhere does Trudeau admit that his trudeaunomics has failed to do anything for the economy other than make things more expensive - https://www.slideshare.net/paulyoungcga/why-did-justin-trudeau-fail-at-keynesian-economics
Have the Liberals made lives for Canadians more affordable?paul young cpa, cga
The liberal ran on a platform saying they would make things more affordable. This presentation discuss key policy changes as part of people assessing did the Liberals make lives either more affordable or less affordable
GDP is key measurement for a country. Allot is said about GDP, especially by various government. The reality is government gets to much credit for booming economy and too much fault for recession.
There are many factors drive GDP including taxation, business returns, consumer spending and government spending. 2/3 of economies tend to be driven by consumer spending. If you set policies that takes more money out people’s pocket book then that will lead to less consumer spending.
The Consumer Price Index (CPI) rose at a faster pace year over year in February (+1.1%) than in January (+1.0%). The rise in gasoline prices (+5.0%) supported consumer price growth in February. Excluding gasoline, the CPI rose 1.0% in February—down from a 1.3% increase in January. Source - https://www150.statcan.gc.ca/n1/daily-quotidien/210317/dq210317a-eng.htm
Housing Prices -
The largest y-o-y gains – above 35% range – were recorded in the Lakelands region of Ontario cottage country, Tillsonburg District and Woodstock-Ingersoll.
Y-o-y price increases in the 30-35% were seen in Barrie, Niagara, Bancroft and Area, Grey-Bruce Owen Sound, Kawartha Lakes, London & St. Thomas, North Bay, Northumberland Hills, Quinte & District, Simcoe & District and Southern Georgian Bay.
This was followed by y-o-y price gains in the range of 25-30% in Hamilton, Guelph, Cambridge, Brantford, Huron Perth, Kitchener-Waterloo, Peterborough and the Kawarthas and Greater Moncton.
https://www.newswire.ca/news-releases/canadian-housing-markets-set-records-again-in-february-879761646.html
Wages and Inflation - https://www.bnnbloomberg.ca/investing/video/hard-for-inflation-to-rise-in-canada-with-tempered-wage-growth-and-energy-prices-paul-sandhu~2097184
Large debt - https://economics.td.com/ca-canadian-wealth
Consumer Price Index
Housing Prices
Carbon Taxation
Transit (Tax Credits vs Carbon Tax Credit)
80% of the Middle Class is paying higher taxes
The wealthiest are paying less of the federal taxes
Household Spending
Child Tax Benefit / After Tax income
Poverty
Trudeau’s policies are not keeping pace with higher household costs. Trudeau thinks he can provide a smoke screen on Child benefit. The average net benefit for a family is about $1,200 (based on median income)
Global Housing Market Analysis and Commentary- September 2023.pptxpaul young cpa, cga
Summary:
Homebuilders are walking a fine line when it comes to new projects as high mortgage rates curb demand.
New residential construction, including single-family homes and multifamily, dropped 11.3% month over month in August to 1.283 million units on a seasonally adjusted basis, according to Census Bureau data released Tuesday. That's down 14.8% compared with a year ago and well below the 1.44 million units economists surveyed by Bloomberg projected.
But authorized residential permits — an indicator of potential future activity — rose 6.9% to 1.543 million permits in August from July. That was still down 2.7% from last August. Single-family permits, though, were up 2% from July to 949,000. Multifamily permits came in at 535,000.
The data reflects two opposing forces builders are trying to balance: the ongoing need for new construction to fill in limited inventory and elevated mortgage rates that are hurting their biggest customer right now, the first-time homebuyer.
"High mortgage rates are clearly taking a toll on builder confidence and consumer demand, as a growing number of buyers are electing to defer a home purchase until long-term rates move lower," Robert Dietz, chief economist of the National Association of Home Builders, said Monday in a press release after builder confidence dropped for the second straight month.
Source: https://ca.finance.yahoo.com/news/homebuilders-face-a-tough-balancing-act-on-new-construction-amid-high-mortgage-rates-130744368.html
Blog – What is next for the Mining Sector – September 2023
The mining sector provides critical material that support solar, wind, and lithium-ion batteries as part of the green transition. https://www.iea.org/news/critical-minerals-market-sees-unprecedented-growth-as-clean-energy-demand-drives-strong-increase-in-investment
The mining sector products play a key role with the global GDP - https://www.yicaiglobal.com/news/global-mining-industry-value-was-69-of-world-gdp-last-year-china-says
Mining practices need to be sustainable including following all ESG policies - https://www.linkedin.com/advice/1/how-can-you-monitor-sustainable-mining-practices
Other links and sources –
Lithium Supply and Price - https://zbr.com.mx/en/sin-categoria-es/lithium-prices-fall-44-in-china-due-to-lack-of-demand/138168/
Cobalt - https://www.linkedin.com/posts/mahmut-karada%C5%9F-a2b7a5151_china-exportrestrictions-gallium-activity-7082603182589157376-Zrty/?trk=public_profile_like_view
Nickel https://www.eureporter.co/business/2023/09/15/stanislav-kondrashov-from-telf-ag-nickel-prices-outlook-remains-positive/
Iron-ore - https://www.brecorder.com/news/40263584/sgx-iron-ore-set-for-best-week-in-3-months
TD Bank / Metals - https://www.tdsecurities.com/ca/en/setting-the-stage-for-gold-outlook
Biodiversity / Mining - https://worldcrunch.com/green/lithium-green-energy-argentina-indigenous
ESG - https://iriscarbon.com/the-added-value-of-integrated-esg-reporting-a-threefold-framework/
Blog – Manufacturing Shipments and Orders – The United States – August 2023
Summary:
New orders for manufacturing technology in the United States totaled $353.9 million in July 2023, as per the latest report by AMT – The Association For Manufacturing Technology. This figure marked a 12.4% decline from June 2023 but remained only 10.5% lower than July 2022. Year-to-date orders amounted to $2.83 billion, reflecting a 12.7% decrease compared to the same period the previous year.
Douglas K. Woods, President of AMT, noted that July is typically a slower month for manufacturing technology orders, so a slight drop was expected. However, he pointed out a notable trend: over the last two months, the year-to-date order gap has narrowed during historically slow periods. While job shops have seen decreased orders, other industries that benefited from reshoring or government investments have helped fill the gap.
Among specific sectors, job shops, the largest customer segment, placed their lowest total monthly orders since August 2020. In contrast, metal valve manufacturers recorded their third-highest monthly order value on record, last seen in September 2018, making up nearly 5% of the total manufacturing technology order value for July 2023. Manufacturers of motor vehicle transmissions continued to order machinery at an elevated pace. However, the aerospace industry continued to order below its early 2022 peaks, with hopes that recent projects like the federal government's $1.5 billion investment in communications satellites might reverse this trend.
Source: https://www.sme.org/technologies/articles/2023/september/u.s.-manufacturing-technology-orders-dip-in-july-but-show-resilience-amid-economic-uncertainty
Stock Market Analysis and Commentary for WE September 15 2023.pptxpaul young cpa, cga
Blog – Analysis and Commentary – Stock Market – WE September 15 2023
Summary:
Stocks fell Friday as investors wrap up a volatile week ahead of the Federal Reserve's policy meeting.
The Dow Jones Industrials tumbled 288.87 points to close out Friday and the week at 34,618.24. At its lows, it completely wiped out Thursday's 332-point rally.
The S&P 500 index sank 54.78 points, or 1.2%, to 4,450.32.
The NASDAQ index plunged 217.72 points, or 1.6%, to 13,708.33.
The Dow held onto a winning week. The S&P 500 and NASDAQ both closed out the week with losses.
Information technology was the worst-performing sector in the S&P 500, down nearly 2%. Adobe shares fell more than 4% even after the software firm posted better-than-expected quarterly results. Shares of Arm Holdings were lower one day after its successful public debut.
Auto stocks General Motors and Stellantis N.V. were higher Friday, while Ford Motor was about flat. Thousands of members of the United Auto Workers went on strike after failing to reach a deal with the automakers Thursday night.
Elsewhere, Lennar shares slid 3%. The home construction firm posted third-quarter results that beat on the top and bottom lines.
On the economic front, the University of Michigan's consumer sentiment survey showed one-year inflation expectations dropped to 3.1% in
September, tied for the lowest since January 2021. Also, the five-year outlook fell to 2.7%, matching its lowest since December 2020.
Electricity Analysis - Canada and the OECD - June 2023.pptxpaul young cpa, cga
Summary:
Over three-quarters of the world’s total coal-generated electricity is consumed in just three countries. China is the top user of coal, making up 53.3% of global coal demand, followed by India at 13.6%, and the U.S. at 8.9%.
Burning coal—for electricity, as well as metallurgy and cement production—is the world’s single largest source of CO2 emissions. Nevertheless, its use in electricity generation has actually grown 91.2% since 1997, the year when the first global climate agreement was signed in Kyoto, Japan.
However, even as non-renewables enjoy their time in the sun, their days could be numbered.
In 2022, renewables, such as wind, solar, and geothermal, represented 14.4% of total electricity generation with an extraordinary annual growth rate of 14.7%, driven by big gains in solar and wind. Non-renewables, by contrast, only managed an anemic 0.4%.
The authors of the Statistical Review do not include hydroelectric in their renewable calculations, even though many others, including the International Energy Agency, consider it a “well-established renewable power technology.”
With hydroelectric moved into the renewable column, together they accounted for over 29.3% of all electricity generated in 2022, with an annual growth rate of 7.4%.
Source - https://energynow.ca/2023/09/infographic-what-electricity-sources-power-the-world-see-them-here-visual-capitalist/
Stock Market Analysis and Commentary for WE September 9 2023.pptxpaul young cpa, cga
What did the markets tell us this week?
1. Housing supply and costs continue to plague countries around the world.
2. Gasoline prices are on the rise that puts pressure on central banks ability to hit their core inflation targets.
3. ESG adoption by both the private and public sector is leading to both funding concerns and the overall cost of implementing ESG policies.
4. Adopting technology as part of increasing food production is facing both capital and operational funding concerns.
5. Strike at LNG facility in Australia is leading to concerns around a supply chain disruption of natural gas for EMEA and Asia.
6. The threat of China dumping batteries into markets - https://www.ft.com/content/b6038e51-7b5b-4f97-a5da-9202e71562fc
7. Adoption of generative AI has been facing many challenges related to security, privacy, and ethical issues.
8. Lack of biodiversity planning as part of the overall climate mitigation including sustainable mining, forestry, oil, gas, agriculture, and housing
9. Geopolitical issues continue to impact supply chain.
10. The concerns of recession continue to plague both the private and public sector.
11. Productivity issues continue to plague governments around the world.
Global (Mining Oil and Gas Forestry and Agriculture) Analysis and Commentary ...paul young cpa, cga
The mining, oil, gas, agriculture, forestry, and mining continue to face environmental, social, and governance policy review including reporting of key metrics as part of ESG reporting cycle.
There is more focus on profitability and investment returns as part of the integrated planning and reporting cycle.
Summary:
The global economy faces what at least one forecaster is calling a mild trade recession as shipments from China slump and German factories downshift.
China’s export declines extended into August, though there were signs that the worst of a world trade slowdown may be over for the leading exporter.
Overseas shipments from China fell 8.8% in dollar terms from a year earlier while imports contracted 7.3%, both better than economists’ estimates and significantly less severe than July’s downturn.
Other data have suggested trade may be stabilizing after weakening for most of this year. Exports from South Korea also declined at a more moderate pace in August than the previous month.
Source: https://www.bloomberg.com/news/newsletters/2023-09-07/supply-chain-latest-world-trade-faces-a-shallow-recession?srnd=economics-v2
Additional sources and links:
Lithium - https://source.benchmarkminerals.com/article/falling-lithium-prices-challenge-potential-cost-advantages-of-sodium-batteries
Oil Production - https://www.cnn.com/2023/09/06/business/oil-price-goldman-sachs/index.html
Natural gas - https://www.fxstreet.com/news/natural-gas-holds-up-as-markets-in-limbo-over-strikes-202309070956
Lumber - https://www.fastmarkets.com/insights/sawmill-capacity-closures-reshape-us-lumber-supply
Critical metals - https://www.wasterecyclingmag.ca/feature/how-recycling-could-solve-the-shortage-of-minerals-essential-to-clean-energy/
Agriculture - https://www.morningagclips.com/economists-forecast-positive-end-of-year-crop-outlook-despite-warmer-midwestern-climate/
ESG - https://www.skadden.com/insights/publications/2023/09/the-informed-board/the-eus-new-esg-disclosure-rules
Ports - https://www.marketscreener.com/quote/stock/HAPAG-LLOYD-AG-24857717/news/Hapag-Lloyd-chief-warns-of-rougher-seas-ahead-for-container-shipping-44789017/
Top destination for reshoring - https://www.thenationalnews.com/business/economy/2023/08/29/uae-in-top-10-most-powerful-passports-for-investment-opportunity/
Global Trade - https://phys.org/news/2023-09-opinion-broke-global-climate-finish.html
What is next for the Forestry Sector and Lumber Production - September 2023.pptxpaul young cpa, cga
Lumber production in Canada continues to face many hurdles
Canada forest management practices are some of the bests in the world
Canada planted over 440M in seedlings back in 2018. It is now 2022 which means close 2M seedlings have been planted.
All levels need to put more focus on urban and rural planning solutions
More work including spending on wildfire and forest fire mitigation
Canada and USA need to find a path forward to resolve the softwood lumber dispute
There needs to a better balanced between climate change policies and growing the economy in a sustainable way
3D printing for housing needs to become mainstream
More protection needs to happen with key ecosystems like wetlands, forest, and peatlands.
There is a risk of debt default if interest rates are hike over the next few months
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
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Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Greek trade a pillar of dynamic economic growth - European Business Review
2019 Election| Availability and Affordability | Canada | May 2019
1. How to make Housing more
Affordable
Paul Young CPA, CGA
June 14, 2019
2. Paul Young - Bio
• CPA, CGA
• Financial Solutions
• SME – Risk Management
• SME – Close, Consolidate and Reporting
• SME – Public Policy
• SME – Financial Solutions
• SME – Supply Chain Management
Contact information:
Paul_Young_CGA@Hotmail.com
3. Agenda
Housing affordability index
Real Estate – Housing Starts and Real Estate Prices
Systemic issues with Real Estate
3-D and Home Building
What’s next
4. Introduction
More is required by all levels of government to deal with the systemic issues facing
real estate. This presentations looks at key areas facing housing prices across
Canada and the world.
6. “'The reality is that too many
Canadians cannot afford to
buy a house,' the Liberal
leader Justin Trudeau said
CBC News [ Posted: Sep 09,
2015 9:10 AM ET -
September 9, 2015
”Source -
https://www.cbc.ca/news/politic
s/canada-election-2015-justin-
trudeau-affordable-housing-
1.3220479
Liberal Party of Canada / Housing
“More eco-friendly homes which
could cost home owners up to
$35,0000 in costs”
Source -
http://www.enerquality.ca/2017/11/0
8/tighter-building-codes-ottawas-
next-climate-target-cost-
homeowners-35000/
• The Harper government introduced its
ecoENERGY Retrofit program as part of
its massive stimulus package during the
recession, which was granted to more
than 250,000 homeowners in Canada.
The program provided homeowners up
to $5,000 to retrofit old insulation, doors,
windows and rooftops with more eco-
friendly alternatives. – Source -
http://www.enerquality.ca/2017/11/08/tight
er-building-codes-ottawas-next-climate-
target-cost-homeowners-35000/
• This was part of the 2009 Stimulus Package
pushed by both the NDP and Liberal Govt
Summary
• Housing is no more affordable under Trudeau -
https://betterdwelling.com/canadian-mortgage-
growth-plummets-to-the-lowest-levels-since-
2001/
• Liberals policies would push up the cost of both
existing and new homes
• Any retro-fit policies only grow if there is
incentives by the govt.
• Short-lived reprieve. RBC’s main affordability
measure for Canada in the first quarter reversed the
slight improvement it saw late last year
http://www.rbc.com/newsroom/_assets-
custom/pdf/20180703-ha.pdf
Liberals Eco Home
CPC – Eco-Fit Programs
7. Canada Housing Market – May 2019
• Home prices rose 8% y-o-y in Ottawa (led by a 12.2% increase in townhouse/row unit prices), 6.3% in Greater Montreal (led by
a 7.6% increase in apartment unit prices), and 2% in Greater Moncton (led by a 15.9% increase in apartment unit prices).
• The MLS® HPI provides the best way to gauge price trends, as averages are strongly distorted by changes in the mix of sales
activity from one month to the next.
• The actual (not seasonally adjusted) national average price for homes sold in May 2019 was close to $508,000, up 1.8% from
the same month in 2018.
• The national average price is heavily skewed by sales in the GVA and GTA, two of Canada's most active and expensive housing
markets. Excluding these two markets from calculations cuts almost $111,000 from the national average price, trimming it to
just under $397,000.
Source – https://www.newswire.ca/news-releases/canadian-home-sales-rise-again-in-may-2019-886083799.html
8. “Canadian home prices rose in May as Toronto remained robust despite recent government efforts to cool the market, while prices in Vancouver
picked back up to hit a fresh peak, data showed on Wednesday.
The Teranet-National Bank Composite House Price Index, which measures changes for repeat sales of single-family homes, showed prices rose
2.2 per cent last month.
Prices were higher in all 11 cities included in the index, led by a 3.6 per cent increase in Toronto and a 3.1 per cent rise in nearby Hamilton.”
http://www.bnn.ca/toronto-housing-market-stays-hot-as-canadian-home-prices-rise-in-may-1.778739
http://www.huffingtonpost.ca/2017/06/20/household-debt-canada-pbo-report_n_17227374.html Analysis
There is issue with land, especially in major cities. Government have brought in legislation to protect sensitive areas from development
http://www.mah.gov.on.ca/Page195.aspx
British Colombia introduced foreign buyer tax to curb high price of houses - http://business.financialpost.com/personal-finance/mortgages-real-
estate/cmhc-data-shows-foreign-buyers-have-almost-disappeared-from-vancouver-market
Bids and asks for property are getting ridiculous. http://www.cbc.ca/news/canada/kitchener-waterloo/kitchener-waterloo-2016-real-estate-
bidding-wars-from-toronto-buyers-1.3622610
There are old industrial sites also known as brown sites. The cost of cleaning up brown sites is very expensive.
http://warming.apps01.yorku.ca/library/wp-content/uploads/2013/03/NRTEE-Cleaning-up-the-Past-Building-the-Future.pdf
mortgage rules allow people to enter the market when they likely should not. The mortgage approval process should look at net income as well
as look at the ability to cover operational expenses for a house. http://www.statcan.gc.ca/daily-quotidien/160212/dq160212a-eng.htm
Federal government can set mortgage amortization period as well as thresholds for CMHC insurance. However, the federal government cannot
control areas, like land or real estate commission as they are either municipal or provincial jurisdiction.
http://www.queensu.ca/iigr/sites/webpublish.queensu.ca.iigrwww/files/files/conf/Arch/03/03-2/Hulchanski.pdf
PBO Office – Housing Affordability - http://business.financialpost.com/personal-finance/why-its-time-for-canadas-financial-industry-to-put-the-
customer-first/wcm/433faa13-8531-4a01-9a47-229ac1220a87
Source: https://www.slideshare.net/paulyoungcga/housing-market-canada-may-2017 or https://www.slideshare.net/paulyoungcga/canada-
affordability-housing-crisis-june-2017
Blog – Housing – Systemic Issues
9. 3-D Printing and Housing
Source - https://www.scmp.com/news/world/united-states-canada/article/2137538/can-3d-printers-make-
cheap-homes-worlds-poor or https://www.aniwaa.com/house-3d-printer-construction/
1. Overall 3-D Printing market is predicted to be 35B by 2024 -
https://www.forbes.com/sites/tjmccue/2019/03/27/wohlers-report-2019-forecasts-35-6-billion-in-3d-
printing-industry-growth-by-2024/#5892814d7d8a
2. Houses can be built for $4,000 (USD) - https://www.businessinsider.com/3d-homes-that-take-24-hours-and-
less-than-4000-to-print-2018-9
3. Environmentally friendly - https://3dprintingindustry.com/news/is-3d-printing-really-as-ecofriendly-as-we-
think-it-is-136335/
4. 3-D Housing with First Nations and Northern Countries -
https://www.northernontariobusiness.com/industry-news/design-build/test-3d-printed-homes-for-northern-
communities-report-1142349
5. More and more players are entering the 3-D Printing of Housing- https://www.artsy.net/article/artsy-
editorial-inside-race-perfect-3d-printed
10. What’s next for government
There needs to be a review of urban planning as part of smarter urban planning -
https://www.slideshare.net/paulyoungcga/urban-planning-issues-facing-urban-planners-april-2019
There is a shortage of the skills trades. A better strategy is require to support the skill trades as well as other skills to
support real estate market - https://www.slideshare.net/paulyoungcga/2019-election-careers-skills-training-education-
canada-may-2019
Better market valuation that ties housing prices to wage growth, inflation and after tax income, etc. -
https://www.slideshare.net/paulyoungcga/2019-election-wages-canada-march-2019
Better management of supply, i.e. brown sites, rural land, etc.
All levels of government need to come up with integrated solutions as part making housing more affordable.
Adopting new technology including 3-D Printing of housing
Clamping down on foreign ownership, especially money laundering, speculators, etc.