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.
2019 Election| Availability and Affordability | Canada | 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.
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.
2019 Election| Availability and Affordability | Canada | 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.
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.
Has Justin Trudeau been Open, Transparent, and Accountable to Canada?paul young cpa, cga
Summary:
Canada has dropped from 10th (2015) on the global corruption list to 13th (2021)
Canada inflation is the highest it has been in over 30 years.
Trudeau calls the trucker convoy fringe people but says nothing about left-leaning groups that hold up mining and food projects.
1. Food Security - https://www.peicanada.com/island_farmer/federal-ministers-welcome-welcomes-auditor-general-s-report-on-protecting-canada-s-food-system/article_0fbce428-7d4d-11ec-8f59-4ffdd97d2dd5.html - Canada is ranked 7th in 2021 - https://www.foodsafety.ca/news/canada-ranks-7th-global-food-security-index as compared to rank 2nd in 2015.
2. Canada is ranked 13th on the global corruption index for 2021 as compared Canada was 10th in 2015 - https://www.transparency.org/en/cpi/2015
3. Inflation and Canada - https://www.reuters.com/business/finance/hike-or-not-its-toss-up-ahead-bank-canada-rate-decision-2022-01-26/
4. Foreign policies and affairs - https://www.theglobeandmail.com/world/article-canada-shut-out-of-western-allies-talks-with-the-taliban-in-norway/
5. 25% reduction in rates is dependent on the plan. https://mobilesyrup.com/2022/01/27/changes-canadian-carrier-rate-plans-virgin-shaw-rogers-fido-freedom-koodo-telus-lucky-bell-chatr/
6. 5G - https://mobilesyrup.com/2022/01/23/what-does-us-c-band-5g-mean-for-canada/
7. Fiscal update - https://www.slideshare.net/paulyoungcga/fiscal-update-for-canada-november-2021
8. Ukraine and Canada - https://torontosun.com/opinion/columnists/lilley-trudeau-fails-ukraine-just-as-he-fails-canada
9. Ethical failures - https://www.saltwire.com/atlantic-canada/news/the-ethical-failures-in-canadas-pandemic-response-full-comment-with-anthony-furey-100684222/
10. Truckers - https://tfiglobalnews.com/2022/01/25/truckers-in-canada-launch-biggest-even-anti-trudeau-campaign-in-style/
11. Food affordability - https://farmtario.com/news/canada-slips-on-food-affordability-ranking/
12. Inflation - https://www.cpacanada.ca/en/news/canada/2022-01-26-economic-forecast
Cost of Living (Inflation) - United States - March 2022.pptxpaul young cpa, cga
Inflation is highest since 1981. Carter was the president - https://www.thebalance.com/president-jimmy-carter-s-economic-policies-4586571
Biden was around during those times - https://www.britannica.com/biography/Joe-Biden
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/
Blog – Dairy Sector – Canada – November 2021
Dairy sector continues to face many challenges due cost of feed and other related input costs.
Dairy prices have not risen as much as other prices.
Liberals continue to fail address issues like the impact of the carbon tax on agriculture out and food production.
1. Rising feed prices - https://www.thebeefsite.com/news/57977/canadian-farmers-face-serious-feed-shortages/
2. Oatly - https://ca.news.yahoo.com/oatly-ads-banned-making-misleading-000100110.html
3. Fertilizer - https://www.thedailyscoop.com/news/retail-industry/how-todays-fertilizer-prices-could-reshape-industry
4. Butter production - https://www.foodbusinessnews.net/articles/20477-butter-prices-soar-to-multi-year-highs
5. Higher input costs - https://www.newsbug.info/iroquois_countys_times-republic/news/agriculture/farmers-dealing-with-dramatically-higher-input-costs/article_e5f4b953-424e-5735-bf47-3e8f5cc8c8a6.html
6. Drought - https://www.reuters.com/world/americas/canadian-farmers-face-cattle-feed-shortage-due-drought-transport-strains-2022-01-25/
7. Potato - https://www.thestar.com/news/world/2022/01/25/is-canada-fighting-a-trade-war-against-its-own-potato-farmers.html
8. Cybersecurity - https://www.canadiancattlemen.ca/daily/farm-cybersecurity-campaign-seeks-farmer-input/
9. Food exports - https://www.spglobal.com/platts/en/market-insights/latest-news/agriculture/012422-canadas-common-wheat-exports-rise-63-on-week-durum-wheat-shipments-fall
10. AG and China - https://ipolitics.ca/2022/01/21/chinese-ambassador-pitches-improved-trade-to-western-canada/
11. Food security - https://globalnews.ca/news/8532207/canada-grocery-stores-food-supply-prices/
Canada’s Jan/22 inflation of 5.1% is the highest since 1991. You can bet the @JustinTrudeau will blame the trucker's protest for the high inflation and not his carbon tax or high taxes or excessive regulation or overspending or other areas of policies!
Housing and the Economy: Impacts and Forecasts - presented by Dr. Geoffrey J.D. Hewings, Director - Regional Economics Applications Laboratory (REAL), University of Illinois Institute of Government and Public Affairs
Bottom Line: A variety of special factors landed on an already tough base effect to produce the highest reading on Canadian inflation in almost two decades in July. It is important to note that even with the gaudy headline readings, the two-year pace—which removes base effects—is still running close to 2% on most major measures. And, we remain comfortable with our forecasts on CPI for this year and next; we had been calling for an average rate of 3% this year and just a snick below in 2022 (2.9% to be precise). Having said all that, it is always notable when the surprises all land on one side of the ledger—the high side—and that has been the case for most the year in North American price readings. Risks remain to the high side on inflation until further notice.
Source – BMO - https://economics.bmo.com/en/publications/detail/bf88c408-2bca-4efa-b4ea-05fc1cc6d2af/
1. Gasoline Prices / Canada - https://globalnews.ca/news/8101013/covid-19-delta-variant-gas-prices-canada/
2. Housing costs - https://www.theglobeandmail.com/business/article-canadas-inflation-rate-jumps-to-37-in-july-on-rising-housing-costs/
3. Housing - https://financialpost.com/executive/posthaste-its-not-just-demand-growth-in-housing-supply-may-have-also-peaked-in-canada-after-a-burst-of-activity
4. Food - https://toronto.citynews.ca/2021/08/18/canadians-groceries-food-costs/
5. Middle class income barely grew in 2019 - https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110001201
6. Wealth tax - https://torontosun.com/opinion/columnists/goldstein-make-the-rich-pay-new-reports-show-in-canada-we-already-do
7. Canadian dollar - https://financialpost.com/executive/executive-summary/posthaste-get-ready-for-a-76-cent-loonie-canadian-dollars-virtuous-circle-is-about-to-go-into-reverse-says-bofa
8. Inequality https://globalnews.ca/news/8096250/covid-inequities-ethnocultural-communities-study/
9. Housing prices - https://www.bnnbloomberg.ca/real-estate/video/canada-s-housing-prices-aren-t-stacking-up-their-weight-in-gold-goldmoney~1365255
10. Middle class - https://www.resourceworks.com/just-transitions
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
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
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.
Government Policies and Issues - Municipalities and Cities - Canada - June 2017paul young cpa, cga
This presentation looks at the issues facing municipal and local governments across Canada. The focus is on infrastructure, public safety and other services delivered by local government.
Economies go through changes over fiscal and business cycle. The role of government is to create policies that support economic growth along with fiscal management cycle that delivers program with consideration of both tax fairness and value for moneys
Has Justin Trudeau been Open, Transparent, and Accountable to Canada?paul young cpa, cga
Summary:
Canada has dropped from 10th (2015) on the global corruption list to 13th (2021)
Canada inflation is the highest it has been in over 30 years.
Trudeau calls the trucker convoy fringe people but says nothing about left-leaning groups that hold up mining and food projects.
1. Food Security - https://www.peicanada.com/island_farmer/federal-ministers-welcome-welcomes-auditor-general-s-report-on-protecting-canada-s-food-system/article_0fbce428-7d4d-11ec-8f59-4ffdd97d2dd5.html - Canada is ranked 7th in 2021 - https://www.foodsafety.ca/news/canada-ranks-7th-global-food-security-index as compared to rank 2nd in 2015.
2. Canada is ranked 13th on the global corruption index for 2021 as compared Canada was 10th in 2015 - https://www.transparency.org/en/cpi/2015
3. Inflation and Canada - https://www.reuters.com/business/finance/hike-or-not-its-toss-up-ahead-bank-canada-rate-decision-2022-01-26/
4. Foreign policies and affairs - https://www.theglobeandmail.com/world/article-canada-shut-out-of-western-allies-talks-with-the-taliban-in-norway/
5. 25% reduction in rates is dependent on the plan. https://mobilesyrup.com/2022/01/27/changes-canadian-carrier-rate-plans-virgin-shaw-rogers-fido-freedom-koodo-telus-lucky-bell-chatr/
6. 5G - https://mobilesyrup.com/2022/01/23/what-does-us-c-band-5g-mean-for-canada/
7. Fiscal update - https://www.slideshare.net/paulyoungcga/fiscal-update-for-canada-november-2021
8. Ukraine and Canada - https://torontosun.com/opinion/columnists/lilley-trudeau-fails-ukraine-just-as-he-fails-canada
9. Ethical failures - https://www.saltwire.com/atlantic-canada/news/the-ethical-failures-in-canadas-pandemic-response-full-comment-with-anthony-furey-100684222/
10. Truckers - https://tfiglobalnews.com/2022/01/25/truckers-in-canada-launch-biggest-even-anti-trudeau-campaign-in-style/
11. Food affordability - https://farmtario.com/news/canada-slips-on-food-affordability-ranking/
12. Inflation - https://www.cpacanada.ca/en/news/canada/2022-01-26-economic-forecast
Cost of Living (Inflation) - United States - March 2022.pptxpaul young cpa, cga
Inflation is highest since 1981. Carter was the president - https://www.thebalance.com/president-jimmy-carter-s-economic-policies-4586571
Biden was around during those times - https://www.britannica.com/biography/Joe-Biden
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/
Blog – Dairy Sector – Canada – November 2021
Dairy sector continues to face many challenges due cost of feed and other related input costs.
Dairy prices have not risen as much as other prices.
Liberals continue to fail address issues like the impact of the carbon tax on agriculture out and food production.
1. Rising feed prices - https://www.thebeefsite.com/news/57977/canadian-farmers-face-serious-feed-shortages/
2. Oatly - https://ca.news.yahoo.com/oatly-ads-banned-making-misleading-000100110.html
3. Fertilizer - https://www.thedailyscoop.com/news/retail-industry/how-todays-fertilizer-prices-could-reshape-industry
4. Butter production - https://www.foodbusinessnews.net/articles/20477-butter-prices-soar-to-multi-year-highs
5. Higher input costs - https://www.newsbug.info/iroquois_countys_times-republic/news/agriculture/farmers-dealing-with-dramatically-higher-input-costs/article_e5f4b953-424e-5735-bf47-3e8f5cc8c8a6.html
6. Drought - https://www.reuters.com/world/americas/canadian-farmers-face-cattle-feed-shortage-due-drought-transport-strains-2022-01-25/
7. Potato - https://www.thestar.com/news/world/2022/01/25/is-canada-fighting-a-trade-war-against-its-own-potato-farmers.html
8. Cybersecurity - https://www.canadiancattlemen.ca/daily/farm-cybersecurity-campaign-seeks-farmer-input/
9. Food exports - https://www.spglobal.com/platts/en/market-insights/latest-news/agriculture/012422-canadas-common-wheat-exports-rise-63-on-week-durum-wheat-shipments-fall
10. AG and China - https://ipolitics.ca/2022/01/21/chinese-ambassador-pitches-improved-trade-to-western-canada/
11. Food security - https://globalnews.ca/news/8532207/canada-grocery-stores-food-supply-prices/
Canada’s Jan/22 inflation of 5.1% is the highest since 1991. You can bet the @JustinTrudeau will blame the trucker's protest for the high inflation and not his carbon tax or high taxes or excessive regulation or overspending or other areas of policies!
Housing and the Economy: Impacts and Forecasts - presented by Dr. Geoffrey J.D. Hewings, Director - Regional Economics Applications Laboratory (REAL), University of Illinois Institute of Government and Public Affairs
Bottom Line: A variety of special factors landed on an already tough base effect to produce the highest reading on Canadian inflation in almost two decades in July. It is important to note that even with the gaudy headline readings, the two-year pace—which removes base effects—is still running close to 2% on most major measures. And, we remain comfortable with our forecasts on CPI for this year and next; we had been calling for an average rate of 3% this year and just a snick below in 2022 (2.9% to be precise). Having said all that, it is always notable when the surprises all land on one side of the ledger—the high side—and that has been the case for most the year in North American price readings. Risks remain to the high side on inflation until further notice.
Source – BMO - https://economics.bmo.com/en/publications/detail/bf88c408-2bca-4efa-b4ea-05fc1cc6d2af/
1. Gasoline Prices / Canada - https://globalnews.ca/news/8101013/covid-19-delta-variant-gas-prices-canada/
2. Housing costs - https://www.theglobeandmail.com/business/article-canadas-inflation-rate-jumps-to-37-in-july-on-rising-housing-costs/
3. Housing - https://financialpost.com/executive/posthaste-its-not-just-demand-growth-in-housing-supply-may-have-also-peaked-in-canada-after-a-burst-of-activity
4. Food - https://toronto.citynews.ca/2021/08/18/canadians-groceries-food-costs/
5. Middle class income barely grew in 2019 - https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110001201
6. Wealth tax - https://torontosun.com/opinion/columnists/goldstein-make-the-rich-pay-new-reports-show-in-canada-we-already-do
7. Canadian dollar - https://financialpost.com/executive/executive-summary/posthaste-get-ready-for-a-76-cent-loonie-canadian-dollars-virtuous-circle-is-about-to-go-into-reverse-says-bofa
8. Inequality https://globalnews.ca/news/8096250/covid-inequities-ethnocultural-communities-study/
9. Housing prices - https://www.bnnbloomberg.ca/real-estate/video/canada-s-housing-prices-aren-t-stacking-up-their-weight-in-gold-goldmoney~1365255
10. Middle class - https://www.resourceworks.com/just-transitions
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
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
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.
Government Policies and Issues - Municipalities and Cities - Canada - June 2017paul young cpa, cga
This presentation looks at the issues facing municipal and local governments across Canada. The focus is on infrastructure, public safety and other services delivered by local government.
Economies go through changes over fiscal and business cycle. The role of government is to create policies that support economic growth along with fiscal management cycle that delivers program with consideration of both tax fairness and value for moneys
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.
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
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
Canada – Slow growth – Liberal party of Canada - December 7, 2016paul young cpa, cga
This presentation will look at slow economic growth in Canada. The presentation will discuss liberal policies as well as macro and micro indicators when it comes to areas like wages, retail sales, trade, manufacturing sales, employment and housing prices.
The presentation will also reflect 3rd part comment that relate to GDP, debt, housing prices, trade as well as other areas of the economy
This presentation looks at the financial performance by the government of Canada including taxation and spending.
The presentation will look at economic trends as part of measuring the government performance for the period April 2016 to September 2016 and April 2017 to September 2017
Canada and Australia are similar countries in terms of how dependent they both are on natural resources as well as being both sparsely populated.
Canada can learned lessons from Australia in terms of dealing with countries like China. Trudeau decided to push his SJW on to China. China has told Canada to not meddle in Chinese domestic issues.
Canada needs a government that is more balance when it comes to Canada’s economic policies.
This presentation looks at different aspects of the Canadian economy as part of helping business and people understand the pressures Canada is facing both domestically as well as internationally.
The presentation will look at retail sales, housing starts, income, employment, government spending, key industry metrics and exports.
Bank of Canada hikes interest rates to combat High Inflation and High cost of...paul young cpa, cga
Summary:
High inflation is here to stay for awhile due to failed agendas of government.
Mitigating climate change is very important. The mitigation should be done through better policy including how to best support cheap energy costs. The focus should also be on policies and programs that support the green and circular economy.
Canada has lost it ways when it comes to encouraging innovation within the private and public sector. Trudeau policies have been a failure!
Liberals around the world should revisiting their so-called carbon pricing schemes. There is a better approach to protecting the environment while growing the economy in a sustainable way. https://www.slideshare.net/paulyoungcga/how-the-public-and-private-sector-can-better-supoort-the-circular-and-green-economies
Housing costs continue to rise! https://www.ctvnews.ca/business/interest-rate-hike-won-t-cool-housing-say-experts-1.5802515
1. Interest rates - https://wowa.ca/bank-of-canada-interest-rate
2. First interest hike since 2018 - https://www.bnnbloomberg.ca/bank-of-canada-hikes-rates-for-first-time-since-2018-1.1731177
3. Inflation - https://globalnews.ca/news/8654004/canada-interest-rate-hike-march-2022/
4. Inflation - https://www.bnnbloomberg.ca/boc-will-have-to-kill-the-economy-to-crush-inflation-rosenberg-1.1731579
5. UBI - https://www.ubiworks.ca/howtopay
6. Green inflation - https://www.advisor.ca/investments/market-insights/green-energy-low-supply-to-drive-copper-prices/
7. Inflation - https://www.bloomberg.com/opinion/articles/2022-03-02/biden-state-of-union-proposals-would-do-little-to-curb-inflation
8. Energy - https://www.tester.senate.gov/?p=press_release&id=8934
9. Oil - https://www.jwnenergy.com/article/2022/3/2/mayhem-reigns-in-oil-markets-as-traders-avoid-russ/
10. LNG - https://www.bnnbloomberg.ca/threat-to-europe-gas-supply-bolsters-push-on-new-u-s-lng-plants-1.1731478
11. Food security - https://www.newsweek.com/war-ukraine-global-food-security-crisis-opinion-1683791
12. Housing affordability - https://betterdwelling.com/canadian-housing-affordability-hits-the-worst-level-since-the-last-bubble-nbf/
13. Commodities - https://www.bloomberg.com/markets/commodities
Similar to Real estate - Canada - December 2017 (20)
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 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
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
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.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@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
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Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
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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.
USDA Loans in California: A Comprehensive Overview.pptx
Real estate - Canada - December 2017
1. PAUL YOUNG, CPA, CGA
JANUARY 17, 2018
Real Estate – Canada – December
2017
2. This presentation looks at real estate market of Canada for the month of December
2017 including issues facing the housing market in Canada.
Description
3. Paul Young - Bio
• CPA, CGA
• Academia (PF1, FA4 and MS2)
• SME – Risk Management
• SME – Close, Consolidate and Reporting
• SME – Public Policy
• SME – Emerging Technology
• SME – Business Process Change
• SME – Financial Solutions
• SME – Supply Chain Management
Contact information:
Paul_Young_CGA@Hotmail.com
4. Housing Starts
Average House Pricing for Canada
Housing Affordability
Blog – Real Estate
Agenda
8. Housing market key area of the economy as such any swings either good or bad may impact GDP. Here are few issues in play
when it comes to the real estate market in Canada.
Wages are under pressure – Wages have barely budged in 40 years - http://globalnews.ca/news/3531614/average-hourly-
wage-canada-stagnant/.
Interest rate hike – Interest rates have gone up. The Bank of Canada has signaled that Canada maybe heading to higher
interest - http://www.cbc.ca/news/business/loonie-bank-of-canada-interest-rates-1.4191573 or
https://www.slideshare.net/paulyoungcga/wages-and-jobs-canada-august-2017-81251991
IMF has highlighted there is significant risk to overpriced housing market for Canada - https://betterdwelling.com/imf-
canada-overvalued-homes-g7-fourth-globally/
Economy is growing, but not at a rapid pace. Bulk of GDP growth is led by the housing market and commodities. GDP for the
past two years is still average 2.2% which is the same rate as the past 15+ years
https://www.slideshare.net/paulyoungcga/canada-gdp-election-2015-promise-increase-gdp-growth
There are systemic issues with real estate like supply, market valuation, cost of building, availability of land, etc.
Housing Affordability - http://globalnews.ca/news/3573571/ontario-housing-affordability-2018-election/ or
http://www.macleans.ca/politics/for-the-record-ralph-goodale-on-the-economy/ -
https://www.theglobeandmail.com/report-on-business/top-business-stories/housing-affordability-itll-be-far-nastier-in-
toronto-and-vancouver-as-rates-rise-thistime/article36800993/ “Housing affordability has risen in the 3Q17”
Blog – Real Estate
9. Lessons learned from Houston
More and more people are moving from rural areas to cities for economic opportunities. The
problem with cities growing is the access to land. Many cities are surrounded by wetlands
and/or prime prairie land as such digging up those areas can cause issues in terms of rain fall
management as well as access to arable land for farming.
Critics will also blame storms like Harvey on climate change. The planet does go through
phases, but it is not scientific proven those changes are man driven. We need to be very
careful that we do push to far with climate change agenda like Agenda 2030 -
https://www.slideshare.net/paulyoungcga/what-is-agenda-2030
Many of us are touched by the stories coming out of Houston. I feel for the people of
Houston. I do think this maybe a time to reassess how we handle urban planning including the
management of land. Source - https://www.slideshare.net/paulyoungcga/urban-planning-
future-of-cities
Urban Planning / Houston
10. https://www.theglobeandmail.com/news/politics/expanded-national-housing-strategy-to-include-new-rent-subsidies/article37046894/?click=sf_globefb
Liberals are again buying off voters with taxpayers’ money “The federal government will announce direct rent support for low-income Canadians in
addition to spending billions on traditional and new forms of social housing as part of the Wednesday release of its long-awaited national housing
strategy.
The above does not fixed the issues with low income Canadians. In fact the liberals have hurt low income more with their tax policies -
http://torontosun.com/news/national/two-thirds-of-low-income-canadians-paying-more-tax-fraser-study. FYI – The so-called carbon tax being forced
down on to the provinces will also hurt the poor as housing costs will also go up. Australia removed the carbon tax as it was doing nothing for emission,
but forcing the costs up for its citizens - http://www.cbc.ca/news/world/australia-s-carbon-tax-repealed-after-2-years-1.2709642
I will always be about solutions, but one-off policies like this from the Liberals do not fixed the issue with housing:
Availability of land, taxes, building costs, hydro rates (https://www.slideshare.net/paulyoungcga/real-estate-canada-october-2017)
People moving to cities (part of agenda 2030 )- https://www.slideshare.net/paulyoungcga/agenda-2030-new-world-order-canada-november-2017
Employment market – Jobs are churning and part-time - https://www.slideshare.net/paulyoungcga/job-market-canada-october-2017
Canada plans to add more immigrants without any real strategy to align immigration with skills gap -
https://www.slideshare.net/paulyoungcga/government-policies-education-skills-development-canada-november-2017
Liberals are not creating the condition for business investment, i.e. high taxes, regulatory burden to get projects off the ground, lack of money for
infrastructure, etc. - https://www.slideshare.net/paulyoungcga/election-promise-goods-to-market-canada-october-2017 or
https://www.slideshare.net/paulyoungcga/building-permits-canada-september-2017
It would be nice if people question the Liberals more than they do when it comes to their various policies.
Blog – Rent Subsidies
11. “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