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Adam Vaughan is an MP for Spadina-Fort York, and also Parliamentary Secretary for Housing, most of us probably know who he is in this group. I believe we need to be calling for his resignation due to his stalling on doing anything about the housing affordability crisis for several reasons:He’s saying his focus is on foreign corporate speculation, but he has failed to define what this is. In BC we now have the Land Ownership Transparency Registry, and we know that a majority of our foreign buyers are NOT companies at all, just individuals with wealth, or money. By saying “off-shore institutional”, Adam is targeting a non-existent fraction of a small part of the housing equation in Canada. In other words: he’s trying to create a bogeyman, trying to create the appearance of doing something, and indeed would actually do something… against a housing factor that is a non-issue in Canada. Foreign corporate participation is basically nil. We can’t allow Adam to try to scapegoat and let the Feds drag their heels on this issue. If he wanted to say “any numbered company, Canadian or otherwise, where the beneficial owner is a foreign national” then we have a different story, but he hasn’t said anything to this effect.He has repeatedly said that the home equity of existing owners must be protected. The equity of a home in a massive housing bubble is not actual equity, it’s vapor. Anyone with a mortgage doesn’t have any home equity, because the banks own the home. The banks have right to that equity, by law. By claiming that this is home owners who own the equity, Adam is trying to create a sympathetic defense for doing nothing about the housing crisis. This is yet another psychological tactic being employed to help him stall, blame non-existent buyers, and give the illusion of taking action to Canadians.​It’s clear with every tweet Adam makes that he has no sincere interest in calling our housing crisis an actual crisis, let alone doing anything concrete about it. Contrast that with the policies and ideas being proposed by political parties in Ontario (https://gpo.ca/housing/), the BC NDP government ($2b for affordable housing, implemented and increased many taxes on investors / speculators), and also the Federal PPC and NDP… it’s clear that Adam’s endless-words-and-sympathy tactic is designed to stall Federal action, and when it puts its words into action it targets… a bogeyman that will have no impact. We don’t know how many investment properties Adam or the rest of the Liberals own, but it’s safe to say that these stalling tactics are a major red flag and a sign of a politician who wants to distract and deflect Canadian anger.I submit to the group that we call on the PM to #FireAdamVaughanPlease feel free to add any other evidence / arguments, and criticism is welcome as well.​https://ift.tt/2UIVagI via /r/canadahousing https://ift.tt/3jfXgPc

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Just like the title says, I hit a new milestone.Honestly, I am experiencing so many emotions because I’m the first person in my family to hit this milestone (first-generation immigrant family)… This is really big for me.Please let me know how I can best invest now that I have a bit of disposable income.. My goal is to retire my parents. via /r/PersonalFinanceCanada https://ift.tt/3zXSMTo

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Just Canadian things.Please don’t tell me my SO should have more money or should have done better. We left the city for the middle of nowhere only the beginning of this year. Moving was at least $5k, not counting when we sold our previous place and needed to make special arrangements like storage, not counting real estate fees, lawyers fees. Who can afford to rent? 10 years ago when I was renting (prior to marriage) I was paying about $700/mo and finding a reasonable place for under $1k was possible. Now, it’s not. Not even in the boonies. I could rent a room for the same price here or in Toronto!!!There is no dream. Either you’re very wealthy or you get nothing. via /r/canadahousing https://ift.tt/3qlhWaj

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https://ift.tt/3iWLaum real estate agents are ignoring the restriction whereby buyers are not permitted to know the details of other competing offers. Instead, they are choosing to inform buyers what they will need to secure a property. For example, if prospects are visiting a home for sale that is going for $910,000, some realtors inform them that six bids are topping $1 million.Others have become concerned that this strategy has become the dominant method of buying homes in Canada’s most populous housing markets. As a result, some are pushing for changes to system through tighter regulations, reaching out to the Real Estate Council Of Ontario (RECO), Office of the Superintendent of Financial Institutions (OSFI), and even the Ministry of Finance. via /r/canadahousing https://ift.tt/3gXLrux

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I developed a template out of my personal website for other developers who are procrastinating on creating their portfolio site. You can showcase your projects, write blogs all in developer friendly markdown and configure the entire website from one config file.You can also showcase your github contributions on the homepage in a beautiful heatmap.If you need comments/likes on your blog/project, you can integrate firebase auth and firestore in may be 5 minutes.It’s a dark themed, SEO friendly: Nuxt Content + TailwindCSS + Firebase + i18n based SPA for developers.Check it out here: https://ift.tt/2S3qXb8 with all features enabled: https://ift.tt/2UdjFSZ via /r/Frontend https://ift.tt/35tPrxh

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This chart in particular is helping me explain why young people are leaving Canada or are angry about the situation.https://ift.tt/3gDVZ1I honestly think that boomers don’t see this chart.Perhaps another GoFundMe campaign should be used for Facebook ads that target people 50+. Because you can target this demographic this way.Once I show boomers this chart, they start to understand completely or at the very least are thinking about it more.Here are some of the things I have been saying.- Buying in the 80s and 90s was a once in a lifetime opportunity- House prices were BELOW incomes- For my entire adult life, I have never had as good of a deal as you guys had it in the 80s.- If you were young today, I don’t think you would live in Canada.The other thing you can do is find out what they paid for their house and in what year. Then you can extrapolate that they probably couldn’t afford the house they bought.I also iterate that if they were young today, would they live in a shoebox condo and try and raise a family.Anyway, I’ve converted a few boomers to understand the plight of young people. Please try it.RE: Facebook adsThe billboards are a huge success, Facebook ads could also be successful. I guarantee that boomers don’t see content like this. If you are going to do this, a Facebook group called – Canadian housing success, or Housing Canada might work. If they see Canadian Housing Crisis, they won’t want to click.Good luck. via /r/canadahousing https://ift.tt/3gxYV0K

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If price of gasoline is stripped out rate falls to 2.5%, but cost of living still going up at significant paceCanada’s inflation rate increased to 3.6 per cent in May, the fastest pace in a decade, Statistics Canada says.The data agency said in a news release Wednesday that the cost of just about everything is going up at a much faster pace than usual, from shelter and vehicles, to food, energy and consumer goods.The cost of shelter increased by 4.2 per cent in the year up to May, the fastest rise in the cost of putting a roof over one’s head since 2008. And the cost of filling a home with furniture and appliances also went up, by 4.4. per cent. That’s the fastest pace of an increase for so-called durable goods since 1989.https://ift.tt/3vyw290 via /r/PersonalFinanceCanada https://ift.tt/3vxSYp1

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Hi everyone,I’m currently 21 years old, moved back home with my family in Toronto to get my academic and financial life back in order.In 2017, I went to University with no career direction. I took out some OSAP loans, and decided to live on campus for the “university experience”. A year in, I’ve developed some serious depression and anxiety, which lead me to fail most of my courses. I was placed on academic probation, which made me withdraw from University all together.I then attended community college, taking random arts and science courses and doing flight training on the side in hopes of being a pilot. I was doing just fine, until I lost my source of funding. I was forced to withdraw as I couldn’t keep up with the cost of flight training.I decided to move back in with my parents at 21 after accumulating $30,000+ in student loans with no degree to show for it. I would like to know how I can get my life together, academically and financially as I feel so overwhelmed. I’ve applied to go back to University for the Fall, but my past grades may hold me back from admission.Any advice would help.Edit: Thanks so much everyone for the incredible advice. I’m so glad I posted this on this thread. Lots of cool and supportive people here. I will continue reading comments and noting the advice I’m getting for further exploration. via /r/PersonalFinanceCanada https://ift.tt/3gqIRxT

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I truly don’t know where to start. Paul Kalanithi, do I speak of you as a neurosurgeon, a neuroscientist, a husband, a father, or a cancer patient? I think that’s the beauty of who Kalanithi was, no matter how hard you tried, one title wouldn’t be enough to capture his essence.I picked up this book as a medical student, but put it down as a human being, remaining in the depths between life and death. I was inconsiderate, to say the least. The way I started reading this book reminded me of the way some medical students deal with cadavers; slicing and tearing them open with a thirst for knowledge, but forgetting that these were people: living and breathing, just like them.I skimmed through the pages of the book, stopping whenever my eyes settled on a new medical term. “Neurocardiogenic Syncope,” I whispered, hastily closing the book to search up the term. It was not until Part II: Cease Not Till Death, that I came to terms with an unsettling notion: I was reading the words of a man who had died. Paul Kalanithi was a man who had fought so hard to understand mortality, and as he mentions in his book, what better way to understand something than to experience it first-hand. It was then when I began to read the book as someone that would have to face their own death one day, and many more before that. Death is inevitable, cruel, but also, necessary.Paul Kalanithi has managed to shift my entire perspective on medicine, doctor-patient relationships, and life. When people asked me why I chose to become a doctor, my reply would revolve around science, but very rarely, did I mention people. Don’t get me wrong, there is nothing more I want to do than help people, but I never consciously made that my first priority. Having finished this book, and it leaving me with a strong sense of grounding, I can proudly say that I have found the real reason I chose medicine. Here’s how Paul Kalanithi phrased it, “Emma [Kalanithi’s oncologist] hadn’t given me back my old identity. She’d protected my ability to forge a new one.”Treating patients is not always about a biological cure, because even when patients are cured, the memories and emotions remain. Thus, what differentiates doctors like Emma and Paul from all the others, is that their patients were able to go on.”I’ll go on,” Paul Kalathini whispered, dragging himself out of his bed. He had a whole plan ahead of him; he wanted to become a neurosurgeoun-neuroscientist. He spent all his life focused on this plan. Yet, when faced with the possibility of death, he adopted a new persona. He became a father and a writer (my favourite writer).Dr. Paul Kalanithi, I can only hope for an ounce of your bravery, determination, intelligence, and strength, and hope that your beautiful daughter, Cady, gets so much more.You will never be forgotten, certainly not by me. Thank you for all that you’ve done.Before I go, I promise to read your book after every year of medical school. So, until next year, Dr. Kalanithi.Note: I’m sorry if this is messy and full of errors, I’m not ashamed to admit I wrote this while crying. I would love to hear all of your experiences with the book. via /r/books https://ift.tt/3gtQ6nC

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Got a couple of friends in their late 30s trying to unload their empty income properties and I have noticed their houses aren’t selling like in March/April. Yesterday I was out with them and they acknowledged there won’t be any price drops, that they are in no rush to sell them (the mortgages have been paid off). I asked well given that a comparable property sold TWO years ago for 250-350K less than the average now why wouldn’t you sell a bit lower, you are still making off like a bandit? They both said: this plateau is temporary and “just wait” until the Liberals get a majority, then it’s going to boom again… so for them sit on empty properties while I know many renters getting evicted and having difficulty finding housing. They showed indifference to me making that point. This is pure greed.Need new friends. via /r/canadahousing https://ift.tt/2S1W1bq

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