Setak
Well-known member
Les maison oublie sa mais les chalet effectivement sa risque de descendre
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Thread d'inflation (shitstorm ahead)
- Thread starter XoX1de
- Start date
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Probablement plus vers Q2 2023, mais à date, je les magasines un peu et ça n’a pas baissé du tout
Setak
Well-known member
Plus tard que ça je dirais.
Ça va commencer à descendre mais si tu veux un deal c'est plus 2024
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eamon7
Well-known member
C'est vrai depuis le covid, le salaire moyen des individus qui squatte MR est rendu à 150K$.p600? Ce sont les chèques des paumés
AsunaMAXXX
Legacy Member
est-ce qu'il faut s'excuser ? déjà que je suis encore en criss de pas avoir reçu le 500$ l'an passé et le 400$ cette année ...
ça c'est 62 poutines familials en take out !
Hier soir je revenais du gym et je suis arrêter a l’épicerie grosse fucking erreur. Malgré que jetait au Maxi et que j'ai toute acheter en special, ca a coûter 100$ pareil. Je vis seul et la dedans je considere que j'ai de la bouffe pour 8-10 jours sans compter des legumes frais que je vais retourner chercher dans 3-4 jours.
J'ose meme pas penser combien ca doit coûter pour les familles de 2-3 enfants. Quand j'en vois arriver a la caisse avec le panier plein, ouf...
J'ose meme pas penser combien ca doit coûter pour les familles de 2-3 enfants. Quand j'en vois arriver a la caisse avec le panier plein, ouf...
Boulard83
Active member
Sustain26
Banned
More Than 40% of Small Business Owners In the U.S. And Canada Could Not Pay Full Rent In November
November 30, 2022 6:30 AM Jim McFadden
https://thedeepdive.ca/more-than-40-of-small-business-owners-in-the-u-s-and-canada-could-not-pay-full-rent-in-november/
"... According to a survey of more than 6,300 small business owners conducted over the period November 19-22, 41% and 45% of U.S. and Canadian small business owners, respectively, said they could not pay their rent in full and on time in November. Alignable, a small business referral network with clients across North America, conducted the poll.
Furthermore, not only are the current rent delinquency figures in the two countries high, but the trends in those statistics are alarming as well. Just two months ago, only 30% of small business owners in America and 41% in Canada could not meet the terms of their rental contracts..."
November 30, 2022 6:30 AM Jim McFadden
https://thedeepdive.ca/more-than-40-of-small-business-owners-in-the-u-s-and-canada-could-not-pay-full-rent-in-november/
"... According to a survey of more than 6,300 small business owners conducted over the period November 19-22, 41% and 45% of U.S. and Canadian small business owners, respectively, said they could not pay their rent in full and on time in November. Alignable, a small business referral network with clients across North America, conducted the poll.
Furthermore, not only are the current rent delinquency figures in the two countries high, but the trends in those statistics are alarming as well. Just two months ago, only 30% of small business owners in America and 41% in Canada could not meet the terms of their rental contracts..."
AsunaMAXXX
Legacy Member
record ... +4%
hide your kids, hide your wife.jpg
hide your kids, hide your wife.jpg
Sustain26
Banned
Mac10
@SuburbanDrone
Powell just said the tight jobs market is driving inflation. He also said 2 million Boomers retired early during the pandemic because they made a lot of money in stocks. So the tight jobs market can only be resolved by bringing job openings down.
Which means recession:
2:04 PM · Nov 30, 2022
@SuburbanDrone
Powell just said the tight jobs market is driving inflation. He also said 2 million Boomers retired early during the pandemic because they made a lot of money in stocks. So the tight jobs market can only be resolved by bringing job openings down.
Which means recession:
2:04 PM · Nov 30, 2022
Setak
Well-known member
Sa se fait pas en cliquant des doigts. C'est dans un boute encore pis sa sera pas un crash immobilier. Oui les prix vont descendre mais jamais un crash genre les maison vale pu rien.
C'est tout le reste qui fonctionnera plus. Tout le monde a besoin d'un toit.
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Sustain26
Banned
https://thedeepdive.ca/the-royal-bank-has-no-interest-in-lower-housing-costs/
"...The Royal Bank operates under a government-granted charter, borrows the money it lends for the mortgages at a special rate from the government’s bank, and insures the mortgage loans they make against default using the CMHC, the government’s purpose-built mortgage insurance company. With that kind of backing, the money makes itself. If the shareholders just leave it laying around, someone might get the idea that they aren’t using it.
Seeing as the government and its bank are very publicly worried about the effect that rising rates might have on the leveraged housing investments that they’ve built into the very fiber of the country’s economy, and also sometimes feign interest at high and rising housing costs, maybe the government ought to make some rules about what the bank can charge for a mortgage.
The Royal Bank didn’t need that dividend money for its operations. If it did, it wouldn’t have payed it out to the shareholders. What if the homeowners, whose debt and deposits carry this bank, got to keep it instead?...
If those sound like restrictions that would drastically limit the real estate industry’s ability to participate in our economy, it’s because that’s the whole idea. The real estate sector is built around giving banks and landlords a free ride on the housing costs of wage earners. Setting a choke on what it can produce would definitely upset the Vancouver Real Estate Guys, but that’s just another bonus. The upshot is that it would take the housing costs out of inflation.
The notion that finished housing has to produce a good return for its owners to incentivise housing builds, a common argument against rent control, doesn’t add up given the housing shortage we’re facing right now, in an environment where housing costs as much as it ever has.
If residential housing ceases to be a high-yielding income asset, and the bank’s stock no longer pays 108% of its net earnings, it will force capital to look elsewhere for opportunity, and that capital could go a long way to following through on the matra that the housing shortage could be solved by creating more housing stock.
There would still be plenty of money to be made buying a plot of land, having it zoned for housing, building the housing, then selling that housing to people who want to live in the houses, or want to rent them out at a governed-to-be-reasonable rate. A developer of housing is making money off of work that adds value. So much value, in fact, that the government will lend them 100% of their construction costs at 2% interest for 10 years.
It’s the owning of the housing as an income-generating asset that loses its lift. And maybe it ought to."
"...The Royal Bank operates under a government-granted charter, borrows the money it lends for the mortgages at a special rate from the government’s bank, and insures the mortgage loans they make against default using the CMHC, the government’s purpose-built mortgage insurance company. With that kind of backing, the money makes itself. If the shareholders just leave it laying around, someone might get the idea that they aren’t using it.
Seeing as the government and its bank are very publicly worried about the effect that rising rates might have on the leveraged housing investments that they’ve built into the very fiber of the country’s economy, and also sometimes feign interest at high and rising housing costs, maybe the government ought to make some rules about what the bank can charge for a mortgage.
The Royal Bank didn’t need that dividend money for its operations. If it did, it wouldn’t have payed it out to the shareholders. What if the homeowners, whose debt and deposits carry this bank, got to keep it instead?...
If those sound like restrictions that would drastically limit the real estate industry’s ability to participate in our economy, it’s because that’s the whole idea. The real estate sector is built around giving banks and landlords a free ride on the housing costs of wage earners. Setting a choke on what it can produce would definitely upset the Vancouver Real Estate Guys, but that’s just another bonus. The upshot is that it would take the housing costs out of inflation.
The notion that finished housing has to produce a good return for its owners to incentivise housing builds, a common argument against rent control, doesn’t add up given the housing shortage we’re facing right now, in an environment where housing costs as much as it ever has.
If residential housing ceases to be a high-yielding income asset, and the bank’s stock no longer pays 108% of its net earnings, it will force capital to look elsewhere for opportunity, and that capital could go a long way to following through on the matra that the housing shortage could be solved by creating more housing stock.
There would still be plenty of money to be made buying a plot of land, having it zoned for housing, building the housing, then selling that housing to people who want to live in the houses, or want to rent them out at a governed-to-be-reasonable rate. A developer of housing is making money off of work that adds value. So much value, in fact, that the government will lend them 100% of their construction costs at 2% interest for 10 years.
It’s the owning of the housing as an income-generating asset that loses its lift. And maybe it ought to."
tout le reste étant la consommation?
-Mike-
Premium
VOulez vous un autre indice...
On devait rembourser les 2 prets sans interet du gouvernement fed avant le 31 décembre.
PRet de 60k, si rembourser avant le 31 decembre, rembourse seulement 40k.
Ben le fed vient encore de reporter l'échéance d'un an, c'est la deuxieme fois qu'ils font ca... Ca veut probablement dire qu'une majorité de PME ayant profité de ce pret n'ont pas les moyens de le rembourser actuellement.
On devait rembourser les 2 prets sans interet du gouvernement fed avant le 31 décembre.
PRet de 60k, si rembourser avant le 31 decembre, rembourse seulement 40k.
Ben le fed vient encore de reporter l'échéance d'un an, c'est la deuxieme fois qu'ils font ca... Ca veut probablement dire qu'une majorité de PME ayant profité de ce pret n'ont pas les moyens de le rembourser actuellement.
