The document contains charts analyzing the Toronto housing market from February 2013. It shows trends in home sales, new listings, average prices, and sales-to-listing ratios over previous years. The charts indicate seasonal patterns and compare current monthly data to prior years. The document also examines long-term trends and the relationship between housing affordability and sales-to-listing ratios.
Shifting Paradigms: Examining Pro-Thrombotic Activity from a Safety PerspectiveCorDynamics
This research marks the evolution of anti-thrombosis discovery investigations into pro-thrombotic safety models. Clearly, pro-thrombotic activity is an undesirable property for drugs outside the cardiovascular arena. The ability to create a pro-thrombotic window provides safety intel on lead candidates.
Shifting Paradigms: Examining Pro-Thrombotic Activity from a Safety PerspectiveCorDynamics
This research marks the evolution of anti-thrombosis discovery investigations into pro-thrombotic safety models. Clearly, pro-thrombotic activity is an undesirable property for drugs outside the cardiovascular arena. The ability to create a pro-thrombotic window provides safety intel on lead candidates.
Market research on penetration of kotak mutual fundSourav Mahato
The main objective behind the study is to:-
•To find out the perception of the Kotak Mutual Fund in Kolkata region based on the parameters like the sales effort of the RM, marketing material, investor relations, operational ease, product efforts, institutional efforts, digital initiatives, training and event.
•To find out the loopholes or lack in service (if any) provided by Kotak Mutual Fund based on the above mentioned parameters.
•To analyse the comparative study between Kotak Mutual Fund and other leading mutual funds in the present market.
•To find out what should be done to boost or increase the presence of Kotak Mutual Fund.
•To find out ways and means to improve on the services of Kotak Mutual Fund.
Module: [LIBR_01]_SIGE XIII_Method Prop to Design Radars
Topic: RESEARCH, DEVELOPMENT & INNOVATION
Subject: A Methodology Proposal to Design Radars - Systems Approach
Article by Antonio Sallum Librelato and Osamu Saotome, presented and published during the XIII SIGE. ITA, 27 a 30 de setembro de 2011.
Scope:
Abstract
I. INTRODUCTION
Motivations for the Systems Concepts Research (SCR) method
II. BRIEF DESCRIPTION OF THE SCR METHOD
Principles of SCR
Phases of the SCR
Purposes of SCR
III. NRA - NEEDS AND REQUIREMENTS ANALYSIS
Purposes of NRA
Steps and Tasks of NRA
IV. SCE - SYSTEMS CONCEPTS EXPLORATION
Purposes of SCE
Steps and Tasks of SCE
V. SCD - SYSTEM CONCEPT DEFINITION
Purposes of SCD
Steps and Tasks of SCD
VI. SRAA - SYSTEMS RISKS AND ASSURANCE ANALYSIS
Purposes of SRAA
Steps and Tasks of SRAA
VII. CONCLUSIONS
REFERENCES
Real-Time Log Analysis with Apache Mesos, Kafka and CassandraJoe Stein
Slides for our solution we developed for using Mesos, Docker, Kafka, Spark, Cassandra and Solr (DataStax Enterprise Edition) all developed in Go for doing realtime log analysis at scale. Many organizations either need or want log analysis in real time where you can see within a second what is happening within your entire infrastructure. Today, with the hardware available and software systems we have in place, you can develop, build and use as a service these solutions.
These charts give a great three year view of the changes in the Real Estate market in Toronto providing a much better perspective than month by month figures for the Toronto Real Estate Market.
Market research on penetration of kotak mutual fundSourav Mahato
The main objective behind the study is to:-
•To find out the perception of the Kotak Mutual Fund in Kolkata region based on the parameters like the sales effort of the RM, marketing material, investor relations, operational ease, product efforts, institutional efforts, digital initiatives, training and event.
•To find out the loopholes or lack in service (if any) provided by Kotak Mutual Fund based on the above mentioned parameters.
•To analyse the comparative study between Kotak Mutual Fund and other leading mutual funds in the present market.
•To find out what should be done to boost or increase the presence of Kotak Mutual Fund.
•To find out ways and means to improve on the services of Kotak Mutual Fund.
Module: [LIBR_01]_SIGE XIII_Method Prop to Design Radars
Topic: RESEARCH, DEVELOPMENT & INNOVATION
Subject: A Methodology Proposal to Design Radars - Systems Approach
Article by Antonio Sallum Librelato and Osamu Saotome, presented and published during the XIII SIGE. ITA, 27 a 30 de setembro de 2011.
Scope:
Abstract
I. INTRODUCTION
Motivations for the Systems Concepts Research (SCR) method
II. BRIEF DESCRIPTION OF THE SCR METHOD
Principles of SCR
Phases of the SCR
Purposes of SCR
III. NRA - NEEDS AND REQUIREMENTS ANALYSIS
Purposes of NRA
Steps and Tasks of NRA
IV. SCE - SYSTEMS CONCEPTS EXPLORATION
Purposes of SCE
Steps and Tasks of SCE
V. SCD - SYSTEM CONCEPT DEFINITION
Purposes of SCD
Steps and Tasks of SCD
VI. SRAA - SYSTEMS RISKS AND ASSURANCE ANALYSIS
Purposes of SRAA
Steps and Tasks of SRAA
VII. CONCLUSIONS
REFERENCES
Real-Time Log Analysis with Apache Mesos, Kafka and CassandraJoe Stein
Slides for our solution we developed for using Mesos, Docker, Kafka, Spark, Cassandra and Solr (DataStax Enterprise Edition) all developed in Go for doing realtime log analysis at scale. Many organizations either need or want log analysis in real time where you can see within a second what is happening within your entire infrastructure. Today, with the hardware available and software systems we have in place, you can develop, build and use as a service these solutions.
These charts give a great three year view of the changes in the Real Estate market in Toronto providing a much better perspective than month by month figures for the Toronto Real Estate Market.
Here are the ,most recent Housing Market Charts from the Toronto Real Estate Board. June is down but still strong in relationship to the last few years.
Toronto housing market charts - April 2012Amit Saini
Greater Toronto REALTORS® reported 10,350 transactions through the TorontoMLS system in April 2012. This level of sales was 18 per cent higher than the 8,778 firm deals reported in April 2011. The strongest sales growth was reported in the single-detached market segment, with transactions of this home type up by 22 per cent compared to a year ago.
“Interest in single-detached homes has been very high, both in the City of Toronto and surrounding regions. Growth in single-detached listings has not kept up with demand, which means competition between buyers in this market segment increased. With this in mind, it was no surprise that the strongest annual price increase was also experienced in the single-detached segment,” said Toronto Real Estate Board President, Richard Silver.
The average price for April 2012 transactions was $517,556 – up 8.5 per cent compared to April 2011. While price growth was strongest for single-detached homes, the better-supplied condominium apartment segment experienced a more moderate annual rate of price growth, at four per cent.
“Monthly mortgage payments remain affordable for home buyers in the Greater Toronto Area. While interest rates are generally expected to increase over the next two years, the extent and timing of rate hikes has been thrown into question by slower than expected economic growth in the first quarter of this year. On net, borrowing costs are expected to remain a positive factor influencing home sales through 2012,” said Jason Mercer, TREB’s Senior Manager of Market Analysis.
Revenue Keys- Begur Village Survey-Sketchrevenuekeys
Find Land Survey Number View A Begur village Begur Hobli Bangalore The Revenue Department of Karnataka By The Survey Sketch Made Citizen Simple Easy to Find Survey Number,s
Rams Garden Bahcelievler - Istanbul - ListingTurkeyListing Turkey
Implemented by Rams Global in Bahcelievler, the Rams Garden Bahcelievler Apartments includes 796 residences of different types from 2+1 to 5+1.
Next to the project, which will have 33 thousand square meters of green area, there will be 42 thousand 300 square meters of woodland. There will also be a 210-meter-long pond in the landscape of the project. There are 94.5 square meters of green space per flat.
Rams Garden Bahcelievler Apartments, which has 8 times more green space than the average of Istanbul with its 33 thousand square meters of green area located within a total of 75 thousand square meters, offers various housing options from 2+1 to 5+1.RAMS Garden has brought a lifeline to the construction industry.
Rams Global, which has signed projects in many places from Dubai to Phuket and delivered more than 20 thousand residences, is now starting new projects in Istanbul.
Rams Garden Bahcelievler is located 9 minutes from Metroport AVM, 5 minutes from Marmara Forum AVM, 12 minutes from Kazlıçeşme beach, 9 minutes from Yıldız Technical University, 7 minutes from Istinye University, 9 minutes from Ramada Hotel and Medicana Hospital.
https://listingturkey.com/property/rams-garden-bahcelievler-apartments/
The KA Housing - Catalogue - Listing TurkeyListing Turkey
Welcome to KA Housing, a distinguished real estate development nestled in the heart of Eyüpsultan, one of Istanbul’s most promising districts.
Just 10 minutes from the bustling city center, Eyüpsultan offers a serene escape with the convenience of urban living. The direct metro line ensures seamless connectivity to all parts of Istanbul, making it an ideal location for residents who seek both tranquility and vibrancy.
KA Housing boasts unparalleled accessibility, with proximity to Istanbul Airport only 30 minutes away, facilitating easy international travel. Effortless city access is guaranteed by direct metro and transportation links to Istanbul’s cultural and commercial hubs. Quick access to key metro lines connects you to every corner of the city within minutes, making commuting and exploring the city hassle-free.
The development offers luxurious living spaces with a range of unit layouts from 1+1 to 4+1, designed with meticulous attention to detail. Each unit features balconies or terraces, providing stunning vistas of Istanbul and enhancing the living experience. High-quality materials and superior craftsmanship ensure durability and elegance, while sound-proof insulation and high ceilings (2.95 m) offer comfort and sophistication.
Residents of KA Housing enjoy exclusive on-site amenities, including a state-of-the-art gym, outdoor swimming pool, yoga area, and walking paths. Entertainment options abound with a private cinema, children’s playground, and a variety of dining options including a café and restaurant. Security and convenience are paramount with 24/7 security, a dedicated carpark garage, and an IP intercom system.
KA Housing represents a prime investment opportunity with limited availability in a high-demand area, ensuring enduring value and potential for lucrative returns. Homes in this development provide exceptional value without compromising on quality, offering affordable luxury for discerning buyers. The construction is of the highest quality, built to the latest seismic and disaster resistance standards, ensuring safety and resilience.
The community and surroundings of KA Housing are enriched by close proximity to prestigious universities such as Haliç University, Bilgi University, and Istanbul Ticaret University, making it an ideal location for students and academics. The development is adjacent to the Alibeyköy stream leading into the Halic waters, offering serene natural escapes amidst lush greenery. Residents can enjoy the cultural richness of the area, surrounded by historical and cultural landmarks that blend leisure, nature, and culture seamlessly.
https://listingturkey.com/property/the-ka-housing/
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus o...Joseph Lewis Aguirre
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus on Public Safety as Job #1, Engagement, Wealth of HOA, Branding, Communication, Culture, Civic Responsibility
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Sense Levent Kagithane Catalog - Listing TurkeyListing Turkey
Sense Levent offers a luxurious living experience in the heart of Istanbul’s vibrant Levent district.
This cutting-edge development seamlessly integrates modern design with natural elements, featuring live evergreen plants maintained by an advanced irrigation system, ensuring lush greenery year-round.
The building’s elegant ceramic balconies are both stylish and durable, enhancing the overall aesthetic and functionality. Residents can enjoy the 700m Sky Lounge, which provides breathtaking views of Istanbul and a perfect space to relax and unwind.
Sense Levent promotes a healthy and active lifestyle with a full gym, swimming pool, sauna, and steam room, all available in the building. The interiors are crafted with high-quality materials, ensuring a luxurious and inviting living space.
Designed with young professionals in mind, Sense Levent features 1+1 and 2+1 units with smart floor plans and balconies. The project promises high investment returns, with an expected annual return of 6.5-7%, significantly above Istanbul’s average ROI.
Located in the rapidly growing and highly desirable Levent area, the development benefits from ongoing urban regeneration projects. Its prime location offers proximity to shopping malls, municipal buildings, universities, and public transportation, adding immense value to your investment.
Early investors can take advantage of discounted units during the construction phase, with an expected capital appreciation of +45% USD upon completion. Property Turkey provides comprehensive rental management services, ensuring a seamless and profitable investment experience.
Additionally, robust legal support and significant tax advantages are available through Property Turkey’s licensed Real Estate Investment Fund. Levent is a dynamic urban hub, ideal for young professionals with its numerous corporate headquarters and shopping malls.
Sense Levent is more than just a residence; it’s a place where dreams and opportunities come to life. Contact us today to secure your place in this exclusive development and experience the best of Istanbul living. Sense Levent: Sense the Opportunity. Live the Dream.
https://listingturkey.com/property/sense-levent/
Discover Yeni Eyup Evleri 2, nestled among the rising values of Eyupsultan, offering the epitome of modern living in Istanbul.
With its spacious living areas, contemporary architecture, and meticulous details, Yeni Eyup Evleri 2 is poised to be the star of your happiest moments. Situated in the new favorite district of Eyupsultan, claim your spot and unlock the doors to a peaceful life alongside your loved ones. Nestled next to the historical and natural beauties of Eyupsultan, embrace the comfort of modern living and rediscover life.
Social Amenities:
Yeni Eyup 2 offers a life filled with joy with its green landscaping areas, gym, sauna, children’s play areas, café, outdoor pool, and basketball court. Reserve your place for unforgettable moments!
Reliable Structure:
With 1+1, 2+1, and 3+1 apartment options, Yeni Eyup Evleri 2 is designed with first-class materials and craftsmanship. The doors to a safe and comfortable life are here! Choose the option that suits you best and step into your dream home.
Project:
Yeni Eyup 2 is conveniently located, with Istanbul Airport just 26 minutes away, the Mecidiyeköy Metro Line 4 minutes away, and the Tram Stop 5 minutes away, making your life easier with its central location.
Location:
Your home is positioned in a privileged location, providing easy access to the city center, shopping malls, restaurants, schools, and other important places.
Yeni Eyup 2 offers 1+1, 2+1, and 3+1 apartment options designed to meet different needs. Find an option suitable for every lifestyle and open the doors to a comfortable life in your dream home.
https://listingturkey.com/property/yeni-eyup-evleri-2/
Lixin Azarmehr, a Los Angeles-based real estate development trailblazer, co-founded JL Real Estate Development (JL RED) in 2015 and serves as its CEO. Her expertise has propelled the firm to specialize in luxury residential and mixed-use commercial projects, with a portfolio that features upscale retail spaces and sophisticated care facilities.
Serviced Apartment Ho Chi Minh For RentalGVRenting
GVRenting is the leading rental real estate company in Vietnam. We help you to find a serviced apartment for rent in Ho Chi Minh & Saigon. Discover our broad range of rental properties in Vietnam.
For more details https://gvrenting.com/
Simpolo Tiles & Bathware
Tile ho,
toh Simpolo.
Since the first steps were taken in 1977, Simpolo Ceramics has carved its niche as a consistently growing organisation with unparalleled innovation and passion rooted in simplicity.
We endure gratification for every experience we offer, created to share something meaningful. It may not resonate with the majority, but that makes us a class apart. If only a handful were to understand the purpose of our existence, we would be proud to have found our believers. Rather, people with whom we can share our beliefs.
VISUALIZER
Design your space in your style with our very own Visualizer. Now, you can choose the tiles of your liking from our wide selection and see how they would look in a space. Select the tile from the multiple options and the visualiser will replace the surfaces in the image with the selected tiles. This way, instead of just your imagination, you can choose the tiles for your place by getting an actual picture of how they would look in a space. So, design your space the way you desire digitally and implement it in real life to get the best results!
You can also share this visualiser with others to help them design their space.
Committed to delighting customers with world-class ceramic products and services. Make Simpolo synonymous with the best quality and set new benchmarks of excellence for all stakeholders. Pursue best business practices with utmost integrity to make Simpolo an exciting organisation to work with, for vendors, channel partners, investors and employees alike.
Gain worldwide recognition in the field of ceramic building products through Research and Innovation and bring an enhanced lifestyle within reach for every household.
Recent Trends Fueling The Surge in Farmhouse Demand in IndiaFarmland Bazaar
Embarking on the journey to acquire a farmhouse for sale is just the beginning; the real investment lies in crafting an environment that contributes to our mental and physical well-being while satisfying the soul. At Farmlandbazaar.com, India’s leading online marketplace dedicated to farm land, farmhouses, and agricultural lands, we understand the importance of transforming a humble farmland into a warm and inviting sanctuary. Let's explore the fundamental aspects that can elevate your farmhouse into a tranquil haven.
Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szet...Volition Properties
=== Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szeto) ===
Ever been curious about Real Estate Investing in the US?? At Volition, for the past 14 years, we have been focused on helping investors invest in over $250M of real estate and generate $100M of wealth in the Toronto market, but we are always open to learning more about other business models and learning from other investors.
The US has always been an intriguing market to invest in. But the US is a big place… if you’re interested in investing in the US, you probably have a lot of questions, like:
☑️ Specifically WHERE should you invest?
☑️ What are the best markets to invest in and why?
☑️ How much are property prices there?
☑️ What are the returns like?
☑️ What is cashflow like?
☑️ Compared to investing in Toronto or other cities in Ontario, what are the benefits / tradeoffs?
☑️ What ownership structure should I use?
☑️ What are the tax implications?
☑️ Can I get financing?
☑️ What are tenants like?
Enter Erwin Szeto, a longtime friend of Volition. Since 2005, Erwin Szeto and his team have navigated the challenging landscape of being landlords in Ontario. Now, they are shifting their focus and guiding their clients' investments toward the more landlord-friendly environment of the USA. This decision comes after assisting Canadian clients in transacting over $440,000,000 in income properties. Faced with issues like affordability constraints, tenant-friendly laws, rent control, and rental licensing in Canada, Erwin sees a clear opportunity in the U.S. Here, there is a significant influx of investments leading to the creation of high-paying manufacturing jobs. Erwin and his clients are poised to capitalize on these opportunities where landlord rights are stronger and there is no rent control.
To facilitate this transition, Erwin has partnered with and become a client of SHARE, a one-stop-shop U.S. Asset Manager. Founded by Canadians for Canadians, SHARE enables as passive an ownership experience as possible for landlords in the U.S., while still maintaining direct, 100% ownership.
Erwin is “Making Real Estate Investing Great Again”!!
Website: https://www.infinitywealth.ca/
Facebook: https://www.facebook.com/iwinrealestate and https://www.facebook.com/ErwinSzetoOfficial
Podcast: https://www.truthaboutrealestateinvesting.ca/
Instagram: https://www.instagram.com/iwinrealestate/ and https://www.instagram.com/erwinszeto/
Rixos Tersane Istanbul Residences Brochure_May2024_ENG.pdfListing Turkey
Tersane Suites Residences is a luxurious real estate project located in the heart of Istanbul, next to the beautiful Golden Horn. This unique development offers hotel concept residences with Rixos management, making it the perfect choice for both homeowners and investors.
The Tersane Suites Residences offers a wide range of options, from studio apartments to spacious four-bedroom units, all designed to the highest standard. The suites are finished with high-quality materials and feature modern, open-plan living spaces, fully-equipped kitchens, and large balconies with stunning views of the city and sea.
One of the standout features of Tersane Suites Residences is the Rixos management, which provides a truly exclusive and upscale living experience. Residents will have access to a range of luxury amenities, including a fitness center, spa, and indoor and outdoor swimming pools. Plus, the on-site restaurants and cafes provide a taste of the local and international cuisine.
The Tersane Suites Residences also offers a great opportunity for investors, as it provides a rental guarantee program. This means that investors can enjoy a steady income stream, with the peace of mind that their property is being managed by a reputable and experienced team.
The location of Tersane Suites Residences is also unbeatable, with easy access to the city’s main transportation links and within close proximity to the historic center, making it the perfect base for exploring all that Istanbul has to offer.
2. TorontoMLS Sales
Monthly with Three Previous Years for Comparison
12,000 2010 2011 2012 2013
10,000
8,000
6,000
4,000
2,000
0
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® sales for the current year and the previous three years. The
recurring seasonal trend can be examined along with comparisons to previous years for each month.
3. TorontoMLS New Listings
Monthly with Three Previous Years for Comparison
25,000
2010 2011 2012 2013
20,000
15,000
10,000
5,000
0
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® new listings for the current year and the previous three
years. The recurring seasonal trend can be examined along with comparisons to previous years for each
month.
4. TorontoMLS Sales-to-New Listings Ratio
Monthly with Three Previous Years for Comparison
1.10 2010 2011 2012 2013
1.00
0.90
0.80
0.70
0.60
0.50
0.40
0.30
0.20
0.10
0.00
Source: Toronto Real Estate Board
Explanation: This chart plots the monthly MLS® sales-to-new listings ratio (SNLR) for the current year and the previous
three years. The recurring seasonal trend can be examined along with comparisons to previous years for each month.
When the SNLR moves higher, annual average price growth generally increases – often at a rate well above inflation.
When the SNLR moves lower, annual average price growth generally declines and can become negative.
5. TorontoMLS Average Resale Home Price
Monthly with Three Previous Years for Comparison
$550,000 2010 2011 2012 2013
$500,000
$450,000
$400,000
$350,000
$300,000
Source: Toronto Real Estate Board
Explanation: This chart plots the monthly MLS® average home price for the current year and the
previous three years. The recurring seasonal trend can be examined along with comparisons to previous
years for each month.
6. TorontoMLS Sales
Monthly Time Series with Trend Line
12,000
Actual MLS® Sales
10,000
Trend (12-Month Moving Average)
8,000
6,000
4,000
2,000
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® sales since January 1995. The blue line shows actual sales. The brown
line is the trend computed using a 12-month moving average, which exhibits no seasonal variations or other
irregular fluctuations. A substantial change in actual sales must occur to change the direction of the trend.
7. TorontoMLS New Listings
Monthly Time Series with Trend Line
22,000
20,000 Actual MLS® New Listings
18,000 Trend (12-Month Moving Average)
16,000
14,000
12,000
10,000
8,000
6,000
4,000
2,000
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® new listings since January 1995. The blue line shows actual new listings.
The brown line is the trend computed using a 12-month moving average, which exhibits no seasonal variations or other
irregular fluctuations. A substantial change in actual new listings must occur to change the direction of the trend.
8. TorontoMLS Average Price
Monthly Time Series with Trend Line
575,000
Actual MLS® Average Price
525,000
475,000 Trend (12-Month Moving Average)
425,000
375,000
325,000
275,000
225,000
175,000
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® average price since January 1995. The blue line shows the actual average
price. The brown line is the trend computed using a 12-month moving average, which exhibits no seasonal variations or
other irregular fluctuations. A substantial change in actual average price must occur to change the direction of the
trend.
9. TorontoMLS Sales-to-New Listings Ratio Compared to
Average Annual Per Cent Change in Home Price
Average Price Annual Per Cent Change
Sales-to-New Listings Ratio
1.20 25%
Sales-to-New Listings Ratio
Average Price Annual Per Cent Change
1.00 20%
15%
(Brown Line)
0.80
(Blue Line)
10%
0.60 5%
0.40 0%
-5%
0.20 -10%
0.00 -15%
Source: Toronto Real Estate Board
Explanation: This chart plots the monthly sales-to-new listings ratio (blue line) with year-over-year average annual per
cent price change (brown line). When the sales-to-new listings ratio moves higher, average annual per cent change in
home prices generally trends higher. When the sales-to-new listings ratio moves lower, average annual per cent change
in home prices generally trends lower.
10. TREB Affordability Indicator
Share of Average Household Income Used for Mortgage Principal and Interest,
Property Taxes and Utilities on the Averaged Priced GTA Resale Home
55%
50%
45%
40%
35%
30%
25%
Source: Toronto Real Estate Board Data and Calculation; Statistics Canada
Explanation: This chart plots the share of average household income that goes toward mortgage principal and interest, property taxes and utilities
for the average priced home in the GTA subject to the following assumptions:
1. Average annual or year-to-date home price as reported by TREB
2. 20 per cent down payment
3. Average 5-year fixed mortgage rate (Statistics Canada); 25-year amortization
4. Average property tax rate reported by/estimated from the Statistics Canada Survey of Household Spending
5. Average utilities cost reported by/estimated from the Statistics Canada Survey of Household Spending and components of the Consumer Price Index
6. Average household income reported by the Census of Canada. Years in between Censuses estimated using interpolation (years up to 2005) or annual growth in average weekly earnings reported by
Statistics Canada in the Labour Force Survey (2006 onward).