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His architectural legacy lies in the redesigning of the Castillo de Chapultepec and creating the Paseo de la Reforma. This intervention, financed largely by France, was brief, but it began a period of French influence in architecture and culture.
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The history of Mexican cinema dates to the beginning of the 20th century when several enthusiasts of the new medium documented historical events — most particularly the Mexican Revolution. The Golden Age of Mexican cinema is the name given to the period between and , where the quality and economic success of the cinema of Mexico reached its peak.
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I should have mentioned that I come across people from all walks of life since I work with the public. After a 15 year bull run in housing that is what you would expect. The gain you stand to make in equity, if the price does not go down, is your reward for the risk of holding and managing an illiquid physical asset that requires upkeep.
This has been the golden rule since forever. That is why rentals exist. If it were not cheaper to own than to rent, nobody in their right mind would buy something and then rent it out to someone else. That would be a losing proposition, akin to buying apples for five dollars a pound and selling them for three. Anywhere in the world where accommodation is rented, at any time in history, you can be pretty sure that situation was made possible by the fact that it was cheaper to buy than to rent.
The only situation where this rule is not followed is at the top of a bubble. Should we all sit down and talk to one of them? They know not what they do….. For my 2 cents worth, we have owned, sold our 1st home and rented thereafter for over 15 years. Now, have saved to buy a home for our retirement. Sounds a little crazy, but, if you can afford a reasonably priced home, buy and enjoy it. I have waited 4 years, that is how patient I am.
But, life is too short to wonder if and when. Buying that special place will eventually happen… Anyhow, hope everyone had a lovely warm New Years …. Anyone who denies foreign ownership is a very problem needs to look no further. Mark your LL is offering you a discount of about 3. This is not a deal. Say that you want first refusal if he ever gets a buyer.
Alternatively if you are going to buy then find a better location. I know these building and they are a future slum clearance. Tiny units and too many for the location. Plus very smoggy in the summer. Not good for long term health. This area is the Regent Park of Look for a real deal and not a fake one.
But as many posters have commented I think you will buy it due to all the self-justification in your email. Mark is at a crossroads. Two roads diverged in a yellow wood, And sorry I could not travel both And be one traveler, long I stood And looked down one as far as I could To where it bent in the undergrowth; Then took the other, as just as fair, And having perhaps the better claim, Because it was grassy and wanted wear; Though as for that the passing there Had worn them really about the same,.
And both that morning equally lay In leaves no step had trodden black. Oh, I kept the first for another day! Yet knowing how way leads on to way, I doubted if I should ever come back. I shall be telling this with a sigh Somewhere ages and ages hence: Two roads diverged in a wood, and I— I took the one less traveled by, And that has made all the difference.
I agree with your assessment and the way you explained it was classy, and not demeaning to this fellow starting out and at the crux of a big decision. The crazy-ass market puts people in a vulnerable and tricky position, and it is good to explain things in a clear but classy way, not putting salt in the wounds…. No poor people in these cities.
Keep your pants on fellas….. That works both ways….. The law is quite clear guys….. Keep the woman happy…. Buying a condo with leverage has been an excellent investment over the past few decades in Canada, where is the evidence of financing a home being so bad? Watching my leveraged investments of residential real estate in sfh and condos consistently appreciate.
Maybe in another 10 years the rent and invest crowd will pull ahead but I have a roof over my head and guaranteed housing options for my kids. And over the long term I think real estate is safe based on history and inflation.
Funny these older people who expect younger people to move to places with no jobs. And do what exactly? A pretty weak attempt at a dig. A key difference between you and me is that you whine a lot, and I actually took action. Another one is that you view the world through a Canadian lens, I look at it through a worldwide one. I think the best advice Garth has given on this blog is the following: SFD or a freehold townhouse. If you absolutely must own an apartment for some weird religious reason, go with one of the s era buildings in Toronto anyway.
Anyone living in a glass box knows that all those windows have them cranking the thermostat in the winter to keep warm and blasting the AC in summer to keep from getting heat stroke. But how the hell do we deal with all the floor-to-ceiling-glass -condo towers already crowding the skyline?
So you have entire sides of buildings that are open to the outside. Upgrading things like furnaces and lights and adding insulated blinds and smart thermostats that detect when occupants are home all chip away at carbon footprints, but energy is still pouring out of those thermal holes — a problem that will only get worse as insulating argon gas between the panels leaks out. You take money from your bank, you pay the mortgage, and only a portion of that mortgage is equity.
So your wealth decreases due to interest. Looks like I have learned one thing from this blog and that is to read all posts before I post a question. Therefore you can ignore my last post as you seem to have provid ed your answer to another similar. Buying your dwelling is a recipe for at least some success for those without the well healed financial market acumen of people like you.
I remember my first real estate transaction well. Made the classic mistake of trusting the seller, real estate agent, banker, and lawyer, big mistake. All were nice people but it turned out they only wanted my money. Who would have thought?
By the time ordinary millennials and the rest of Canadians take our first coffee break this morning, the Boomer Elites will already have taken in more money than most of us will get for all of This self-serving, corrupt and totally unjustified mostly Boomer oligarchy has gamed the system for their own benefit for far too long. This must be stopped.
As mentioned, this is a comparison of people to the rest of the population. Maybe that would be a better use of your time at 7: The Xmas edition of the Economist has an excellent read on nationalism, and Canada is featured prominently and positively.
Also , for the tea-baggers, an article on the link between tax revolts and the Scottish diaspora. I made that one up ;-. If home prices drop in the GTA rent will also fall albeit with a lag period of time. Well its been almost two weeks since a driver speeding across the Burrard St Bridge in Vancouver cut his Audi R8 V10 in half and expired in a flaming wreck. Almost snuffed out the life of two innocent bystanders in a cab that he hit.
One paralysed the other critical. The silence of the media is deafening. Yet , within hours we have heard all the personal details about a BC float plane pilot dead in an Australian plane crash.
All the personal details of father of two young girls found dead on Christmas Day in Victoria. But rise they will. People with debt and that would be most will feel the pain of these rises and be forced to course-correct downward on quality of life.
Lenders will only take risks on quality borrowers now. Lenders will simply find other means to satisfy balance sheet requirements. More return on lower cash volumes is becoming the norm. That much-reviled group will see the value and power of their wealth increase exponentially — as will those who invest wisely. T2 and Morneau are firmly at the top of the economic pyramid. Leave it to the CBC to compare the top corporate leaders to Are the shareholders complaining?
And how many of those I was alluding to a comprehensive assessment of any suspicious moles. It would be fine if their obscene salaries were a reward for the risk they take, but really what risk is the CEO of a publicly-traded company taking?
Even when they fail they still get bonuses in the millions. His restricted stock and restricted stock units will continue to vest on their original schedules, the company said. He will be entitled to an office and an executive assistant for up to three years. Merrill Lynch, as you may recall, was several weeks away from bankruptcy when it had to go begging Bank of America to buy it.
Or are they beyond reproach? Is this the Tudor era where criticizing the elite is against the law? Go back to work. Living in a small space can be great.
No need for lots of clothes. No need for lots of furniture. Close the door, go away for a month traveling or, camping in Algonquin, for those Toronto-ites. No need for a ton of kitchen gadgets.
No need for two cars. Actually, no need for 1 car. Rent one if you need it — less hassle. Mark, I am in the exact same position as you.
My landlord has generously offered to privately sell me the one-bedroom condo that I have been renting, before he lists it publicly in a few months. Wanna know how much he generously offered to sell it to me to for?
Thanks to Garth and the blog dogs, my landlord is not getting a single penny of my investment portfolio, which just topped k. Of that, k is in a locked-in work pension, the rest is in accessible funds. The plan is to not touch my investment portfolio until it starts generating enough dividends to live off of. That said, I do enjoy condo living and I understand why you are leaning towards buying your unit.
If money was no object and I mean no object , I would buy a luxury condo unit. There will always be the threat of special assessments and rising maintenance costs in even the most well managed of buildings. As others have mentioned, the novelty of owning will wear off eventually. Something is telling me that my mids are not the time for owning a condo. One of the bases of your attack was that these groups take significant risk in reaching professional success and wealth and should be allowed to keep more of it.
On that I agree with you completely. However I see no risk whatsoever for CEOs of large established corporations. What are they risking? They are not materially risking anything yet are paid obscenely. Not only should you not buy, you can find a way better rent situation than that.
I knew the Feds would concoct something to mitigate the political risk they see from B Falling house prices will not be good for their chances in A number of us on here have been waiting for this for a long, long time. Jerome Powell is in at the Fed in a few weeks and US keeps raising rates. Time for BoC to get on the train. It seems this is selective socialism, excluding the truly wealthy from fair taxation, but call plumbers and doctors rich and tax them to death, that is fair. You have no idea what level of tax Canadian CEOs pay, only what they earn.
Been reading this blog for about a year now and there were lotsmof folks waiting for a large correction in the GTA to allow them to enter the market. Tons of inventory to pick through. So can someone please explain to me why now is a bad time to buy a sfh not a condo in the gta if they plan to live in it and can afford it? Seems like a perfect time to buy. Is this a case of folks that missed the last bottom about to miss it again, waiting for the perfect time to buy?
So what if it goes down by 10 percent more, or rent saves you bucks. Cheap money, strong economy and a large correction should equal a great opportunity to buy a nice family home. In a second study on CEO salaries, the organization reported that among the highest paid CEOs in Canada in , 75 received stock options as part of their pay package. Well, now you have a tangible incentive to stop moaning and start succeeding. Hi- I enjoy reading this blog and often find what I think are very useful nuggets of info but I was a little disappointed by the failure in this last post to include an important number the calculations about the pros and cons of buying a condo.
So it seems to me like all these calculations should have led to the opposite conclusion! Of course over time the deal would keep getting sweeter as more and more of your monthly payment goes towards the principal.
Even if in the long run prices only stayed level with inflation you would still end up way ahead or so it seems to me…. Am I missing something here? A proof that small businesses, doctors, laywers and plumbers in Canada are just serfs who do not deserve attention, i. RE market in GTA is dead in , its just waiting for its executioners to press the switch.
And boy, its a line up to pull that switch, from Mr. B20 and so on. Absolutely nothing to sustain this bubble not even a strong economy and immigration as real wages are not moving up but down and immigration does not increase housing prices, its a myth. It always starts from suburbs Newmarket, Richmond Hill and moves down to the waterfront. Lots of time, the party has not even begun. S year interest rates are starting the year up at 2. They could easily break above 3.
Canadian banks must be itching to raise their rates. Mark already has more than enough in the kitty to build new wealth that he may not ever need. Trust me on that one. Not to mention special assignments, i. Are you saying that the 30 percent drops are not real? And with all due respect this is a comment section that has been calling for a crash since What are the odds this same group finds the bottom…they missed it last time.
It seems pretty ridiculous that you have to continue arguing the point that paying down a mortgage is not building wealth, Garth. Very uncommon scenario in the best of markets. Housing over the long term usually tracks inflation and windfall flips have already become way less likely. Millennials will soon find this fact apparent, provided they have any engagement at all with their parents. Having lived both of those scenarios and being relatively successful at both; I will tell you that being successful relative to the rest of the Canadian population is not a goal worth striving for in that context.
We should expect better of ourselves. Thank you for the quick response Garth- but paying rent is not building wealth either. AND you have the potential to make money if prices go up or yes lose it. For young people starting out myself included the only way to access large amounts of cash is to buy property.
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