Go! With RBC also jumping in to warn the public, their statistics and concern feel a little off. |

With RBC also jumping in to warn the public, their statistics and concern feel a little off.

2021.04.15 15:58 Invictus_Engage With RBC also jumping in to warn the public, their statistics and concern feel a little off.

https://www.mortgagebrokernews.ca/news/rbc-executive-on-unsustainable-housing-market-growth-354938.aspx
When Canadians reportedly have a $500k budget for housing, how do only %62 think they will be priced out within the We were priced out at the end of last year at that budget! And with most houses going for $30-150k over asking for complete renovation projects you've got to be kidding yourself if anyone (let alone 46%) believe that it's still buyer friendly out there! The issue, yes, is that this is unsustainable, but the scarier problem is in 3-5 years when the interest rates climb (as the government has mentioned their implementation target of 2023) and people who exposed themselves to these insane prices thinking it can only go up are going to be the heart of the next issues. Rent skyrocketing from underneath those who couldn't afford to buy in the bubble in the first place, unnafordable mortgages causing families to struggle or lose their homes, no where to rent in the city or buy outside the city cause no one wants to take a loss on their 2bd1bath $700k+ investment.
What do you all think? As a renter who thinks we are in somewhat uncharted territory due to the pandemic, I'm more afraid of what will happen when everyone's fixed rate mortgages expire and things are trending back to 'normal'. Or do you think this inflationary period and accompanying Modern Monetary Theory will hold up?
If you do think things will get hairy, like I do, what do you think is a good strategy to avoid bad renting situations (rent spiking from below my feet, and all around me in the city)? I've obviously not been able to buy now, and there's no chance that when things get hard I'll be able to jump in until the house of cards really crumbles.
Thanks for your thoughts and stay safe!
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2021.04.15 15:58 slugmynuts ZOM is a shorter’s wet dream

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2021.04.15 15:58 Valdiya Amber Mei with fire ninetails🔥🔥🔥🔥

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2021.04.15 15:58 someonecallamedic You aren't anywhere close to as cool, important, or relevant as you think you are.

Our society has built up a me generation by creating personal stages for everyone with a front facing camera and it has ruined everything that is used to keep society together.
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2021.04.15 15:58 PartTimeWolfy [EUW] Looking for flex mates to climb to masters with (d3 myself)

Hello there ^^
Since all my acquaintances that used to be good at league left for other games with less shitty matchmaking and a less toxic ranked environment/community and since I also lost contact with a group of friends I had a lot of casual fun with in normals, I've been making it my goal to hit masters in flex (d3 rn after falling back from d1 from playing with questionable premades :D ). Sadly, finding groups of a decent enough skill lvl has been rough and therefore the grinding has been taking all the fun of the game for me lately. Therefore, I'm looking for some people that wouldn't mind or would be in need of a new person in their group for either some casual flex (on my smurf) or that also have the same tryhard goal I've been having for a while. Mostly, my goal would be to reignite my love for the game again by playing with some crazy weird, but nice people with a good enough understanding of the game for a lvl that's expected to play d+ games. Voice chat is also a must. Just add fuzzywolfy in game or add me on discord (Wolfy#3470) if ur interested :D Thanks for reading!
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2021.04.15 15:58 xiltir Arbeiderpartiets landsmøte livestream

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2021.04.15 15:58 skurwipizdziolix62 undertale

undertale sanses vore video with papierus
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2021.04.15 15:58 reddit_feed_bot OANN: National Defense Expert urges changes in U.S. military to deter China

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2021.04.15 15:58 Gtfocuzidfc You can recite any copypasta out loud from memory to complete strangers

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2021.04.15 15:58 LeoDaly4 Fresh greens & tropical fruit salad. ............

Fresh greens & tropical fruit salad. ............ submitted by LeoDaly4 to VeganFoodie [link] [comments]


2021.04.15 15:58 Lavstory Watering help needed.

I've got 3 autos that are just 3 days old. I'm going to grow them outside, occasionally moving the pots inside, depending on the weather. The problem is, I will have to be away from home for 7-8 days after a month. So I need some advice as to how to keep the plants watered during my absence.
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2021.04.15 15:58 chegoctuhvxthbmm Lívia Andrade

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2021.04.15 15:58 NAD_83 ‘It’s created such a sisterhood.’ New Raptor Khem Birch’s mom has a podcast for NBA mothers, and so many stories to tell

‘It’s created such a sisterhood.’ New Raptor Khem Birch’s mom has a podcast for NBA mothers, and so many stories to tell submitted by NAD_83 to nba [link] [comments]


2021.04.15 15:58 MapiX1994 People who are selling safemoon now👉🤡

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2021.04.15 15:58 mmlydar How to make Green Grape Cake | A Soft Moist Vanilla Sponge Cake | Cake Cake

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2021.04.15 15:58 Suicdsolo Duos not giving teammates

I think there s a bug because i never get a teammate in duos. 20 games alone
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2021.04.15 15:58 variantdash Ad for the software used to write Disco Elysium

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2021.04.15 15:58 throwaway931n How old are you?

View Poll
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2021.04.15 15:58 ihatepasswords1234 CMV: Student debt cancellation would have negative consequences if it were not paired with complete education system overhaul.

I will focus on one aspect of student debt cancellation that doesn't seem to be mentioned often in discussions of the plan and, to me, makes the plan entirely untenable. What will student debt cancellation incentivize going forward?
There will be another set of students going to university in September. If all student debt is cancelled, this would create a gigantic moral hazard for this next set of students (and those going forward until the system is changed). Given the precedent that student debt gets cancelled, you would be strongly incentivized to take on as much student debt as you could. Why pay for school when you can pay for it with loans and then never have to pay back those loans? This would create massive risk-taking and incentivize many people who would otherwise not need to use student debt (for example choosing to go to a community college or state school instead of a private school) to just go for it regardless of the cost. This also means much of that spending will be wasteful and drive up prices even further at already expensive schools.
However, some students would still choose to save money and not take on debt, because past actions do not necessarily indicate that the student debt jubilee will happen again. These students could take the actions I mentioned above to save money (but at a cost to themselves).
This leaves you with a conundrum. If you go ahead with another round of student debt cancellation, you are harming the students who chose to operate within their means and try to save money. You are only further incentivizing risk-taking and living beyond your means. If you do not go ahead with another round of student debt cancellation, you will have even more students stuck with student debt because past actions incentivized it. Top schools will have garnered even larger endowments while state and community schools' funding would likely drop.
Incentives matter, and student debt cancellation would only incentivize behavior that society should not want.
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2021.04.15 15:58 Micologistu Vorbitorincii #6. Bancuri din comunism și prăjituri de peste tot

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2021.04.15 15:58 kayishin UK/EU Verification. Paypal Only. £12. Pay after verification. I can provide proof of past transactions.

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2021.04.15 15:58 Masonic4 Need Some Clarity [PA]

I submitted a cover letter this morning for an Intake and Information Specialist position. I noticed after I had sent it in that I wrote "Information and Intake Specialist." Obviously, that's on me for not editing with a more fine-toothed comb and it may reflect somewhat poorly on my attention to detail. However, do you think this minor mistake has earmarked my application for the trash heap?
Any and all help is appreciated. Thanks!
P.S.-I changed my cover letter to reflect the appropriate wording so when I follow up, provided my application isn't discarded, it matches.
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2021.04.15 15:58 DontLookAtMyPostHsty CMV: Correcting “improper grammar” and slang is a better indicator of low intellect than of high intellect

One of the most annoying things to me is when someone corrects another person on their grammar or choice of words because “it’s not proper”. Many times it’s done in an attempt to show how much smarter the corrector is than the corrected. I think it’s a much better indicator of lack of intellect though.
My reasonings are thiis:

  1. Outside of a professional/educational environment there’s not really such a thing as propestandard language. If you’re saying words in a way that someone understands then you are doing it right.
“I’m about to go to the store”, “I’m gonna go to the store”, I’m finna go to the store”. In a noral conversation all of these are correct. Someone who can understand all of these phrases either because of prior knowledge or context clue is someone I would consider more knowledgeable where as someone who can’t understand it as less knowledgeable, because the former can effectively communicate and comprehend to a higher degree than the latter.
  1. The language you use doesn’t indicate your level of intellect. So you can use all the slang in the world and be extremely smart but speak properly and be very dumb. So being someone intellect on the words they use alone isn’t a very good indicator at all.
  2. Much of the language we use is improper. So unless you are using proper language 100% of the time you have no business correcting someone else speech
So overall I think correcting improper grammar and slang is a better indicator of low knowledge and closed mindedness than of high intellect. To be clear I’m saying correcting for the sake of correcting, not due to an actual miscommunication or misunderstanding
CMV
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2021.04.15 15:58 mikiiinator Knee guard size

Hey guys, I'm shopping for knee guards and the Troy Lee Stage caught my eye. Problem is that I'm in between measurements, lower thigh is M/L and calf is Xs/S. On your experience, which measurement should I go with?
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2021.04.15 15:58 Knownwrld Beautiful

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