“So,” she said, after wading through 200 comments, “why do you put up with this crap?”

I examined the toes of my cowboy boots, stared out the window, smiled weakly and tried to change the topic to the dog. Didn’t work.

“I read the piece on weed,” Dorothy continued. “Okay, you made maybe one dumb comment. The rest was totally about what condo guys and realtors are doing. Where do people think they can trash you personally? You gave them facts. Why do you let them?”

She was being wifely, of course. Defensive. Protective. Caring. All the things you value after years together. This woman has seen me truly under attack in the past, like when the prime minister threw me out of government, live on TV. But what grates her most about this blog is, “the gutless thugs who stay anonymous. Why be their punching bag? They don’t deserve you.”

My defence for publishing the personal attacks?

It’s democracy, I said. Free speech. Plus it’s a window into what the mainstream is thinking, feeling and believing. Of course, I didn’t share with her the dozens of ugly comments that were deleted, or the fact the blog has started to terrify me, too. Melania and I are just so misunderstood…

But, seriously, we need to talk. If I’m going to provide you with this space, filled daily with original content, news, advice and canine pinups, you cannot come here and just take a dump on it. Yesterday, for example, the topic was the effect of MJ on condo boards, owners and amateur landlords plus the buying & selling of resale properties, as highlighted by realtors. The response was a deluge of pot-lovers trashing me, my ethics, principles and standards – none of it relevant.

Days ago I wrote about the potential financial impact of climate change, as outlined by various sources and suggested investment strategies for those concerned about it. More trashing, baiting, ridicule and derision. All of it anonymous. Gutless, as she said. Online bullies hiding behind cutesy screen names, tossing out insults because they disagree. It seems symptomatic of a society in which lucid argument and civil discourse are kaput. Now it’s the Tweet with the Biggest Insult that wins. Common ground is gone. No grays in our black-and-white world. Compromise lost.

That this will lead to social conflict seems obvious, maybe even inevitable. The rise of populism and the fiery, autocratic leaders who espouse it has certainly made some sentiments not only commonplace, but acceptable. So daily I remove comments that are openly anti-immigrant, racist, ageist, or denigrate others for what they believe.

My guess is economic stress is behind the polarization. Debt, job stress, fear of loss, financial failure and insecurity turn people ugly and extreme. They crave powerful, simple solutions and the populists are there to take advantage of it. Long ago I learned the most potent three words in politics: “us and them.” Want power? Divide.

If you seek to improve your life, instead of just trashing those you envy, do it. This blog has given you the tools. So don’t push me. I’ll sic my wife on you.


#1 sm_yyc on 10.18.18 at 6:07 pm

Hi Garth – still going to offer you to have federated comments or use the Discus service just like some of the news outlets out there. I agree with Dorothy here.

#2 JBat on 10.18.18 at 6:09 pm

You are the best Garth! (okay we don’t agree about everything, I’m not 40 yet so still transitioning from left to right). Ignore all the haters

#3 NotLegalAdvice on 10.18.18 at 6:12 pm

You’re doing great Garth. Sadly our society is filled with a bunch of kids that think their opinions are facts.

#4 MicroGX on 10.18.18 at 6:14 pm

Thanks for the tools and constant encouragement…… well the world is full of idiots, why so many show up here is curious …


#5 earlybird on 10.18.18 at 6:16 pm

My guess is economic stress is behind the polarization

This is they very core of most issues in the world period. Wise words.

You nailed all the RE issues this new law brings forth, smoke or no smoke. Thank you!

#6 The Wet One on 10.18.18 at 6:17 pm

You’re a better human than most Garth.

Meanwhile, this article reviews a book that takes a stab at explaining the source of our discontents:

Modern life.

Ain’t it grand?

#7 Mo on 10.18.18 at 6:18 pm


I think the vast majority of the readers are civil and come here for the insights you offer. Don’t allow a noisy minority to distract you and keep up the good work.

#8 my2cent$ on 10.18.18 at 6:21 pm

The comments are pretty hit and miss. Garth, I wish there was a way for you to put relevant/helpful comments at the top of the comment thread. I know you filter them to an extent, but I think everyone would appreciate being able to see the ‘good ones’ with ease. Otherwise, keep fighting the good fight.

#9 Djumbe on 10.18.18 at 6:21 pm

Garth, yours is a voice of reason within a maelstrom of brutality and madness. Kudos to Dorothy for putting up with it all for so long.

#10 Brian Ripley on 10.18.18 at 6:22 pm

My Employment Rate chart is updated now:
Toronto and Ontario have increased their attractiveness for those not employed – again.

Vancouver is more attractive for the employed as is Calgary.

#11 Mean Gene on 10.18.18 at 6:23 pm

Your time is valuable, ditch the comments section and enjoy your free time.

#12 renter in Surrey on 10.18.18 at 6:24 pm

Where do people think they can trash you personally? You gave them facts. Why do you let them?


Facts are so last century.

Today it’s all about feelings, wage gap, infinite number of genders, etc.

#13 the ryguy on 10.18.18 at 6:25 pm

Lol, all you stoners out there..say it together.. “Sorry Da..Err Garth”. They aren’t mad at you Garth, they are mad after seeing the prices of “government legalized MJ” was twitter upset yesterday.

In fact..what an incredible teaching opportunity to your cannabis cult readers. You see kids, in a free market different businesses (dealers) have to compete for you business, which leads to better pricing for the product.

When the government gets involved you add a whole bunch of greedy paws into the mix, which is why the prices go up. Hopefully some blood shot eyes are opening up.

#14 les on 10.18.18 at 6:25 pm

Your blog is appreciated by many– keep doing it– and dogs are mans best friend — also good

#15 binkybarnes on 10.18.18 at 6:26 pm

Hi Garth. You have made similar type appeals too many times in the past couple of years–some people just will not/cannot conduct themselves properly.

My fear is that one day you will just shutter the whole thing, and I certainly don’t want that. So why not just permanently ban the clowns (eve for a first offence). Or just close the Comments section altogether.

#16 mark on 10.18.18 at 6:26 pm

Yeah seriously, you screwballs, Garth’s done more for financial understanding than most people around the world.

He has an opinion, don’t take it so personally. If you want to spray the bowl, go sit on the toilet.

#17 Randy on 10.18.18 at 6:26 pm

Now you know why some Tigers eat their young….

#18 Darts on 10.18.18 at 6:27 pm

Don’t let the keyboard warriors get to you Garth. You’re doing a great public service expanding basic financial wisdom to the masses. The stay at home millennials and basement trolls are always going to hate.

#19 Slo on 10.18.18 at 6:29 pm

It’s always easier to attack a person than their argument, it just means you’ve won.

It’s spreading pretty bad everywhere.

#20 palebird on 10.18.18 at 6:30 pm

Hey Garth I don’t know how you do it. Tough slog.

#21 Igor on 10.18.18 at 6:31 pm

Idiots are the most infinite resouce on Earth (I wish we could extract energy from them). Please ignore them and keep your amazing blog running for those who listen to your opinion, learn from it, even when disagree, but politely and keeping it to themselves.
Maybe people feel entitled to pouring anything they wish to comment section because it is anonymous. Maybe it would make sense to introduce some sort of authentication?

#22 Victor V on 10.18.18 at 6:32 pm

Majority of first-time home buyers maxed out budgets: CMHC

#23 Guy in Calgary on 10.18.18 at 6:33 pm

I don’t want to sound insensitive to the post and do not condone the actions of online bullies. Unfortunately with being an “online celebrity” which you now are, personal attacks will come with the territory. That is the nature of the internet.

Take pride in what you provide to your readers and focus on the positive impact you are making. Myself and others may disagree with some points but that’s what makes this blog fun. We have differences of opinion but we all (presumably) agree on the main philosophy or “moto” of the blog which is balance.

Let’s focus on making ourselves wealthy and enjoying our lives which is the main takeaway I get from the blog. What makes me happy may not make you happy but that’s not the point. The point is to live a balanced life.

Here’s to wealth, health and doing what makes you happy.

#24 HT on 10.18.18 at 6:34 pm

Sticks and stones, Garth. The show must go on! Whatever on earth motivates you to continue this blog surely can’t be curtailed by a few trolls!?

The impact of weed legalization is overblown (yes). Trump is a jerk – good, that’s what you need sometimes. He’s no less qualified overall than any other President.
BC NDP won because something had to be done about lack of housing, then they did something about housing. Does not make them communists.

There folks, that’s how adults disagree. Don’t shit where you eat.

#25 TheDood on 10.18.18 at 6:34 pm

“My guess is economic stress is behind the polarization. Debt, job stress, fear of loss, financial failure and insecurity turn people ugly and extreme….”

Yup. These words more or less accurately describe the trash trashing you and this wonderful space.

Relax. It’s water down a duck’s back. Stressed? Didn’t we legalize something yesterday?

#26 Penny Henny on 10.18.18 at 6:35 pm

I’ll sic my wife on you.

nudge, nudge, wink, wink, Know what I mean

#27 Alexander A on 10.18.18 at 6:36 pm

The trolls will always be online, it’s a diease…

I enjoy reading the comments but sometimes the nonsense is unbearable.

You should take away the comment section, it’s effecting you blogs.

Only 365 days a year and unfortunately today was wasted on replying about people’s comments.

Society is not in good shape. I notice it when driving around now a days. Speeding , tail gating , honking , rushing. There is zero courticy left.

We unfortunately live in a P.C. Society right now. Where feelings are bottled up because “to say what you feel” is wrong and could get you in trouble.

So you have become an outlet , for people to release hatred.

I would be fascinated to hear a number of how many awful tweets and comments are made daily.
How many times people are made to feel isolated and awkward for being or thinking differently, all done for the most part anonymously.

I am sure the number would be staggering and would put a light on how much bottled up hate is left in our wonderful world.

So for all those who are upset, live your own life, take advice when you can (especially when it’s free), make your own informed decisions and most of all take responsibility for your actions and stop blaming or crying to others.

If we don’t “man up” or “woman up” or “(any other classification any of the public would like to be referred as) up” Then this won’t end well

#28 Daaf on 10.18.18 at 6:37 pm

Couldn’t agree more. Polarization is preventing people from seeing the common ground. I’m glad there is a forum like this one where there is still a diverse crowd.

#29 Penny Henny on 10.18.18 at 6:37 pm

Oh by the way Garth,
that old dog in today’s photo looks like you

#30 Lawnboy on 10.18.18 at 6:39 pm


The web reminds me of the 70’s CB radio fad (only with color pictures). Some people run their mouth knowing full well there are no consequences. They are cowards, and nothing much has changed in that regard. At least there was a limited range on those CB thingys, but the net….well you are on the front line.

I think I might buy ” Tin Foil” stocks.

Please hang in there, I appreciate your work and humor.

Its your Bus!!! Drive the Bus your way.


#31 Renter In Burlington on 10.18.18 at 6:40 pm

Garth, you provide excellent info for many people. It’s sad that there are those who would personally attack you for helping us understand this housing mess and finances in general. Keep up the good work!

#32 feel for you on 10.18.18 at 6:40 pm

Keep on keeping on Garth. Your blog is a daily inspiration for me, and I come here everyday (although the blog comments definitely aren’t – tbh I don’t read them). I also don’t like the general ‘comfort’ with hurling abuse behind a keyboard to people who are helping them! No-one likes these comments. Don’t let it affect you Garth. There is a great video from the Actor Tim Minchin. His point is that people should be focused on being ‘FOR’ things, not against them. Great video. Enjoy!

#33 FOUR FINGERS WATSON on 10.18.18 at 6:41 pm

Plus it’s a window into what the mainstream is thinking, feeling and believing.

This is the part that is “ golden “. It is hard to find unbiased news today. This blog gives us a chance to see what people really think about the issues of today. Some fruits and nuts do show up here but even they help us to better understand the “ photo grande”. Tks Garth.

#34 Linda on 10.18.18 at 6:42 pm

Garth, long long ago stopped reading the comments, because .. well you summarized it. You are commenting less and less, sad for me, because I appreciate your responses to the sane comments. ‘Economic stress is a part of the polarization’, don’t agree. You are a teensy tiny part of the totality of social media, and your comment section is just the way it is everywhere where the ease of typing ones first reactive response is without a pause, filter, or reflection. I don’t have time in my life to connect to your blog all day long to comment multiple times, I’m out there working hard towards my financial goals. Why you even publish someone who says ‘first’ is also why the comment section ain’t for me. Thank you again for the education you and your colleagues provide, and congrats on a great reno of the BMO property.

#35 The Great Gazoo on 10.18.18 at 6:42 pm

Garth, hear you about free speech and having a window into the minds of what some people are really thinking and feeling. Although I guess it can be informative at times, not sure the “pluses” outweigh the negatives.

Problem is that eventually even you will get fed up and the all the benefits of this blog will be lost. I’m amazed at the effort and crap you put up with day in day out.

I’m with Dorothy here and think you need to put your foot down and make material changes to what is tolerated here and who can and cannot post comments. Plus some of the nonsense comments take away from overall value of the blog.

You know what you need to do – for your benefit and the greater good you are doing here.

#36 Md on 10.18.18 at 6:45 pm

Lol. Get rid of the comment section for the 1000th time

#37 Damifino on 10.18.18 at 6:46 pm

One person in a thousand creates a blog that anyone bothers to read. You’ve been reaping the punishment for that success for a decade now. I wouldn’t blame you if you packed it up today. In your place, I would. The online world is turning into an exceedingly ugly place.

One thing though. You’ve backtracked on your own rules more than once. But I do understand why. There was once a two-comment per day maximum rule. But is it really your job to track the post count of every troll who frequents this place? Is it your job to change the layout of the blog so yobs with too much time on their hands can attack each other more efficiently? Nope.

I come here to get information you may be party to that will never appear in the MSM. I like alternate points of view from time to time. Occasionally, I disagree with you but I have never been even slightly inclined to rip your head off over it. People’s personal opinions are not that threatening to me and grow less so as I get older.

Lately I’ve been reading your blog and rapidly skimming the comments since there’s only handful of worthwhile respondents here. I’m not even one of those. I’m at the point now where, if I have something to say, I just do it in a single post and wait until tomorrow’s blog.

See you tomorrow. If you’re still here.

#38 Ottawa_male on 10.18.18 at 6:46 pm

Social media has become Anti-social media.
You can use Discus, which will make people far less anonymous, but Discus-like services often require a Facebook account, which I got rid off, (before it became popular to ditch Facebook). Or you can completely stop comments all together, much like a lot of news agency websites, i.e. CNN.
Your outlook is valuable and comes from many years of experience. I don’t think your readership will drop much, just because you disabled comments, except for maybe those three people who everyday claim to be “first”.

Keep up the good work. A financial genius and a dog lover, two great attributes to have in this world.

#39 prairie person on 10.18.18 at 6:48 pm

Garth, why not make people use their real names? It would cut back on the comments, reduce the work load, and guarantee a more civil dialogue.

I hear your comments about RE. I’ve never bought it except to live in. Except for some raw land subdivided. That was pure spec. And I also understand about lead time in construction. Borrow money, purchase property, clear municipal rules, actually build a place takes a long lead time. However, having said that, I went for a drive around Victoria the other day and was stunned by the amount of bldg going on. Lots of holes in the ground. Lots of bldgs part way built.If prices really do take a dive there are going to be a lot of investors and tradespeople losing a lot of money.

#40 Bruce on 10.18.18 at 6:48 pm

Juveniles in the comment section, go find your own blog and stop trashing the comment section of this one. I like this blog, and it can’t be replaced by the trash on buzzfeed.

If you want a place to dump on try here:

#41 NoName on 10.18.18 at 6:48 pm

@1 sm_yyc

Logging under real or fake name won’t fix a nasty and mean comments.

People that know each other and in some instances work together under a real names on FB with all of their friends “watching” some of nasty exchanges and name calling.
Ive noticed fuse is lot shorter now days vs 2-3 or more years ago…

Here is short video for haters.

#42 steerage steward on 10.18.18 at 6:54 pm

Don’t sweat it too much Garth. The more strident and insulting someone is, the less they have honestly tried to understand a topic, or they just like getting a rise out of people.

#43 Yuus bin Haad on 10.18.18 at 6:54 pm

Anonymous? I am Yuus …

no, really!

#44 Linda on 10.18.18 at 6:55 pm

Those anonymous types who use social media to spew ‘nasty’ are unfortunately going to continue their bad habits. Sadly, the culture of mean is feeling more than a little empowered these days. Could some of these people be feeling stressed? No doubt, but that is no excuse for passing it on. How does that improve anything for anyone?

#45 Jimbo on 10.18.18 at 6:57 pm

Can you incorporate thumb up and thumb down buttons? Most likes to the top, 15 more thumb down than thumb up the comment is removed for review. Let others do the removal so you don’t get bogged down. What about a sign in page?

#46 Hawk on 10.18.18 at 6:58 pm

Interesting blog today. I agree to a large extent, that no one should be mean and discriminatory on account of “populism”.

However, one thing that people need to understand is that populism succeeds for a reason also; which is that when the silent majority are hurt and the elite of their country don’t care than they will undertake whatever action they can.

Let’s forget Trump for a moment, since Canadians most don’t like him.

Let’s consider Brazil’s right wing leader Bolsonaro or Hungary’s Victor Orban. These guys are popular because they cater to the needs of their people that the elite do not. If I was a Hungarian, I would not like the EU dictating to me. If I was a Brazilian, I’d be sick of endless crime and tempted to vote for a hardliner.

We cab’t run away from the fact that people will gravitate to leaders that address their concerns. Concerns must be addressed for populism to soften, that is the reality of the nation state.

#47 Dolce Vita on 10.18.18 at 6:58 pm

Read “Weed Deeds” (good name by the way) last night and thought it was very good, “nice job Garth, can’t add to this” and off to bed I went (then 20-30 Comments or so).

Went back a few moments ago to revisit “Weed Deeds” after reading what you wrote today and perused that holy heck had broken loose.

I agree with your “economic stress” theory as a root cause.

I also believe Canadians watch/read far too much factless, insult ridden, kangaroo court US MSM/Twitter and end up adopting their caustic ways and words.

Good thing being here in Italia, you are removed from their venomous, ill mannered culture.

You’ve been thru far worse Garth. Chin up. Chest forward. Head held high. Always.

And KNOW that you are loved and admired (and quote that to Dorothy).

#48 Larry B on 10.18.18 at 6:58 pm

Hey Garth, hang in there and don’t lett he mouth breathers get to you and give Dorthy a big hug. Envy, ego and a lack of empathy is the root of many ignorant (not knowing something) comments. I am reading a fascinating book called “The Coddling of the American Mind”. It is very insightful in regards to how society has changed by adopting a “victim mind”. Certainly points to the mindset of far too many people. Why take responsibility for your actions when you can blame someone else?

#49 Emperor McMuff on 10.18.18 at 6:59 pm

I say shut down the comments section. I’ll still read everyday. I get drawn into the comments as a distraction more than anything. A bit like watching a WWE snippet as I channel surf. Shut ‘er down I say!

#50 Penny Henny on 10.18.18 at 7:00 pm

#34 Linda on 10.18.18 at 6:42 pm
Garth, long long ago stopped reading the comments, because .. well you summarized it.


How strange?????
You stopped reading the comments long ago but you still comment regularly.

Maybe Stan’s psychologist could read more into that?

#51 Blacksheep on 10.18.18 at 7:00 pm


Who was sure 10 years ago a Canadian RE collapse, was just around the corner, besides you and me?

Plenty….and now they’re the “Dogs” whom you’ve harnessed to drag the blog sled along.

Lets be honest, there is no denying your a skilled writer, but it’s the Dogs that make the show, all while you ride the sled and crack the whip in an attempt to maintain control of the unruly pack.


Many of these people do not follow traditional norms (me) and don’t believe 50% of what they read in the MSM, if they read it all. You’ve attracted a largely non conformists group, but are then dismayed (offended?) when they behave as such.

I have a low delete ratio simply because I realize its your forum and I’m just another free guest.

So if you’re getting tired of all the mental patients and crap, just call her a day.

It’s been a decent run….

#52 Ex Pat Canuck on 10.18.18 at 7:02 pm

hey Garth, I am not sure if my comment yesterday was one of the ones you didn’t like. I hope not, I was merely pointing out that it’s not fair for anyone to call out legalized weed as a societal evil while at the same time ignoring the well documented perils of alcohol and tobacco, drugs which are also legal. We all know you enjoy a drink from time to time, you write about it. But we also all know that alcohol is not good for your health, it’s well documented from many, many studies. We know you don’t like Justin Trudeau. But for goodness sake, the man said he would legalize weed if elected, and gosh darn if he didn’t fulfill that campaign promise. (Lord knows he’s broken a ton of them – I’m not a huge fan of the man but it could be worse I guess.) The people have spoken, and sorry to break it to you but weed is not the horror you want to have people believe it is. I don’t use it, I don’t use the alcohol or the tobacco. But to my sensibilities, if people want that, whether it’s legal or not, they will get it, so why not let the government regulate it and take a cut to put back into programs that benefit Canadians? If it’s so horrible, the next Conservative government candidates can campaign to repeal. If they get a majority, out it goes. Right? Lastly, about once a year you talk about shutting down the comment section. No loss to me either way, I enjoy your writings and thought process generally speaking. I do like to share my feedback with you about your writing once in a while, but I can always do that by email. I’m pretty sure you know my identity because I have emailed you before! Keep the comments or dump them, whatever makes you happier. So keep up the good work, you really are an excellent writer! Maybe letting go of your seeming obsession with legal marijuana would be a wise choice for your happiness. Cheers from Oregon : )

#53 Freddie on 10.18.18 at 7:04 pm

Easy fix- get rid of the comments section

Until then cry me a river

#54 Greg on 10.18.18 at 7:07 pm

Economic stress. Yes! Smart Garth. I notice some of the milfs in my posh Calgary neighbourhood seem on edge lately. Their douchey husbands too. The tides are turning and interest rates are the driver. Bring it on.

#55 Spec Tax Changes on 10.18.18 at 7:07 pm

Despite being universally popular with the public, the BC NDP has struck a deal with the Greens to amend the Spec Tax just days after introducing it with much fanfare. The Greens forced the changes.

The original tax was supposed to be 2% for everyone; then it was walked down to 0.5% for British Columbia residents; and 1% for out of province Canadians; and 2% for foreigners. Now its just 0.5% going forward for all Canadians forever. Still 2% for foreigners.

Those communities dependent on Alberta dollars must be rubbing their hands with glee.

Just shows you – never go against the only economic driver in BC.

If even the Green Party cowtows to realtor and developer pressure on an issue as silly as a spec tax (oh no, 5k on a million dollar house unless you rent it), you know the market will be safe in BC!

#56 Figure it Out on 10.18.18 at 7:08 pm

Quit whingeing. You want to poke hornets’ nests, sometimes the same ones over and over, and then wade through the predictable responses? Fine! Don’t want? Then don’t do that.

I don’t care whether you publish this comment — it is intended as advice for you personally.

#57 Alberta Ed on 10.18.18 at 7:08 pm

GreaterFool is a sounding board for common sense, fair play and integrity. Just delete the jerks.

#58 In Garth We Trust on 10.18.18 at 7:09 pm

Stop the personal attacks on our fearless leaders blog dogs. He may get fed up at you and turn the blog over to Smoking Man or Stan Brooks…

#59 Donna Sanderburg on 10.18.18 at 7:09 pm

Liberals, NDP , Green Party, Labour party, left leaning parties have been doing this for decades through their socialist policies and programs.

Garth, imagine you had to split gains from your clients with all other clients around Canada etc. because others did not make the same returns. It’s a joke and it never works.

The only thing these useless policies do is make everyone poorer.

#60 Ustabe on 10.18.18 at 7:10 pm

There are solutions to everything and anything.

The Discus overlay still allows anonymous comments but the blog owner can “see” the actual person if needed.

A thumbs up/down voting system will soon bury zero content posts with the cream rising to the top…so to speak.

And Garth, as I said to you this summer when we crossed paths in Lunenburg, I am a lucky guy because I get to hang with some truly wealthy folks, generational and entrepreneurial, from time to time and none of them speak in the manner we see here often. None of them are worried about the things that seem to be of importance to the comment section.

So this is not a a window into what the mainstream is thinking, feeling and believing.

Check in with some of your hundreds of unique visitors who avoid the comment section like the plague, they would be the mainstream you are looking for.

And I will say it again…I would pay good money to have access to X rated Greater Fool. Lets see those ban hammered comments, lets see those deletes! Maybe with their email printed alongside the post too…I’d pay extra for that.

#61 SWL1976 on 10.18.18 at 7:10 pm

I don’t know how you do it Garth.

I’m still a daily reader, but really can’t be bothered to join in on the conversation here in the comments section. Lost are the days of meaningful debate. The internet sure has found a way of bringing out the worst in people.

Thanks for keeping on keeping on

#62 crowdedelevatorfartz on 10.18.18 at 7:11 pm

time to nuke the comment section?

Happy Wife happy Life………

#63 Moh Omar on 10.18.18 at 7:11 pm

Ignore them Garth. They are just a bunch of Internet Tough Guys / Girls acting badass behind a keyboard. You helped me twice from making a real estate decision (2014 & 2016). I sometimes finding myself reading your articles when I am agitated by the masses in Toronto talking about real estate. I once was a person who would spend everything I had and did not care about incurring debt. Since I started reading your blog (early 2014) I have learned to live within my means and have stayed away from the prison sentence called a mortgage. If it was not for you who knows what kind of financial mess I would be in. Thank you!

#64 STMH on 10.18.18 at 7:17 pm

“So daily I remove comments blog that are openly anti-immigrant […] my guess is economic stress is behind the polarization”

This is not that difficult. You think that being anti-immigration is racist and hateful because you have never suffered the socioeconomic consequences of things such as the immigration policy, so the only motive you can imagine is racism, and you’re free to deny the facts about it because they’re out of sight and mind. You previously wrote “there is no ‘mass’ immigration” – a sententious chastisement that implies that even noticing the vertiginous rate of the influx (and its impact) is racist.

You repeatedly deny the obvious impact of that policy on housing (even without foreign buyer arguments–adding a million more people drives up the cost of the places where people live; adding disproportionately rich people drives it up even more), you owned (cheap) property before many in this generation were born (is that ageism?), and so far as the social and cultural effect goes, you’ve never had to live in the places that have been completely transformed by it because you can live wherever you like.

And based on prior polling, so can a lot of your readers.

You’re free to moralize, but moralizing about socioeconomic trends tends to come from people with no skin in the game.

#65 Corey on 10.18.18 at 7:17 pm

Your advice gave me confidence in investing on my own. Because of that, I don’t need to solely rely on my work income so I changed career from an engineer to a pastry cook.

I’m sure this site is helping a lot more people than the amount of hateful comments on this blog. Hope you and Dorothy realize that!

#66 Capt. Serious on 10.18.18 at 7:18 pm

I went to a school and took a program that attracts a lot of high functioning high achievement people, many of whom have gone on to do great work in their careers. The common characteristic of all of them is they do not focus on the errors of others, or even bother to pass judgement on them, because they understand both are irrelevant to their own path.

#67 FOUR FINGERS WATSON on 10.18.18 at 7:18 pm

Such fools we are :
Canada’s oil industry woes have been a topic of discussion in the media for some time now, what with the persistent delays in the Trans Mountain expansion, unyielding opposition to anything that involves pipelines, and the growing crude production from the oil sands. The latest news, however, is good news. Chinese refiners are buying growing amounts of Canadian crude, taking advantage of a substantial discount in its price to the U.S. benchmark, brought about by the above combination of factors.
Earlier this month Bloomberg reported Chinese refiners were buying Canadian heavy that was trading at a discount of as much as US$50 to West Texas Intermediate. In a context of rising prices—all but Canadian crude, apparently—a $50-per-barrel discount is more than a good bargain. It’s an excellent bargain, especially for refiners who have just completed summer maintenance and plan to increase their imports on higher local fuel demand.

#68 Yvrmc on 10.18.18 at 7:18 pm

It’s just like graffiti. If everyday the vandal paints on your wall you go out and paint over it ,after awhile they tire of their efforts going for naught. They stop graffiti-Ing your wall. So be merciless when deleting inappropriate , rude , insulting , off topic comments. It won’t be long and those dogs who do it will tire of having all their posts deleted.

#69 Robbie on 10.18.18 at 7:18 pm

Hi Garth,

I too agree with Dorothy, time to get rid of the anonymous “low lifes” that don’t wish to indulge in reasoned discourse but simply want to make ad hominem remarks and rant because it makes them feel better…it their logic sort of “I stand taller if I knock someone down and stand on top of them”?

I used to follow the comments closely because I enjoyed the different, reasoned points of view (even the ones I disagreed with), but more and more I only get part way through the comments and I give up. Commentors may not like someone or someone’s point of view but as soon as they indulge in personal attacks then I know they don’t have a decent argument so I stop reading….name calling should have been given up in elementary school! Yes, I can appreciate the jokes about politicians but not the egregious insults and name calling!

Commenters, the personal attacks you make say nothing about the person you are attacking…but say a great deal about YOU!

Good luck, Garth. I support having commenters register with their names, email address, etc. before they can comment.

#70 mitzerboyakaQueencitykidd on 10.18.18 at 7:21 pm

Dogs are great
beer is good
people are crazy

#71 Eco Capitalist on 10.18.18 at 7:22 pm

I’ve been expecting a civil war south of the border for a few years now. They can hate each other so passionately and so many of them have guns.

Anyhow, if we’re voting, I vote disable the comments to save the blog. And if we’re not voting, I still feel the same way. :-)

#72 Sebee on 10.18.18 at 7:23 pm

Garth, make November Nocommentber – oh yeah!

Take a vacation, seriously. If you don’t do it, I will just read the home page and won’t click on expanded comment view anyway, so who are you doing it for if not for me?

#73 ben on 10.18.18 at 7:25 pm

New to commenting but have followed consistently. Comment board hacks need better stimulus if this is where they get off. Keep on brother.

#74 Paul on 10.18.18 at 7:26 pm

As someone who never comments, I’d just like to say how much I appreciate your daily effort to educate and inform.
Have you considered ending anonymous comments? It is very easy to require commenters to identify themselves, e.g. by logging in with Facebook to comment. Disqus is another great tool that basically handles this for you.
A man who can rock cowboy boots in 2018 can surely wrestle his blog comments to the ground! :)

#75 Bk on 10.18.18 at 7:27 pm

How many more months/years till the market hits new highs?

#76 Serenity on 10.18.18 at 7:27 pm

Garth, you should disable the comments section from your blog. Dealing with crap like this on a daily basis isn’t good for your emotional health. We all appreciate and enjoy your posts and will keep coming back with our without the comments section! Thanks for everything you do!

#77 For those about to flop... on 10.18.18 at 7:28 pm

Tell Dorothy to go back and read my two Pink Posts.

Or does she just scroll by like everyone else…


#78 Bdog on 10.18.18 at 7:28 pm

Thanks Garth. I read this blog daily, and even when I don’t agree with what you say (which is a minority of the time) your opinion is still worth a read. I purposefully skip the comments section most of the time though. Sometimes I can make it 25 comments before some knuckledragger ruins it. Can’t imagine seeing it unfiltered.

#79 NigelM on 10.18.18 at 7:29 pm

Thanks for taking the time to write this blog Garth. It’s really appreciated! I think the haters are going out of their way to write garbage comments and your fans enjoy taking your advice on board every day but stay mostly silent (like me). It would be a great loss if you decided to scrap this blog and it benefits so many people with guidance through every day life. Thanks again!

#80 Sean on 10.18.18 at 7:29 pm

Thank you or what you write/offer.
I have learned so much reading you blog, please do not shut down your blog (shut down the comments instead).

#81 jojo on 10.18.18 at 7:30 pm

Garth you provide an excellent viewpoint. Don’t be discouraged by pot lovers and climate nutters.

#82 AK on 10.18.18 at 7:33 pm

“why do you put up with this crap?”
Totally agree with you.

The reason I cancelled both CNN and MSNBC. I got tired listening to morons trashing our President….

#83 SoggyShorts on 10.18.18 at 7:36 pm

#205 Stan Brooks on 10.18.18 at 3:11 pm

Stan, you really need to move out of Ontario. Not that we want you over here, but just so you can see how things are outside of your bubble.

Last week I twisted my ankle pretty badly, so I went to my family doctor without an appointment. 10 minute wait, examination and did my yearly physical since I was there. Off I went for x-rays without an appointment. 10 minutes in the first waiting room, 15 minutes in second and a few minutes of snapping x-rays. Next stop a 5 min drive for the bloodwork, EKG, and peeinacup, again no appointment. 15-20 minute wait.
Just over an hour altogether without any appointments is pretty damn good IMO.

BTW, Since the official inflation rate in Greece has averaged 8.4% since 1960, what do you think “stan’s actual rate” is? 40% yearly? 50%?

#84 For those about to flop... on 10.18.18 at 7:36 pm

Here’s perhaps my 8,473 submission to this blog.

I am guilty of one charge.

Never on topic.

Somehow always relevant to the blog…


“In One Map: Car Imports into the United States.

Now that the global trade war, started by United States President Donald Trump, is in full swing, many people want to learn the facts before passing judgement. Global trade is a complicated problem and it may be easier to understand the issue piecemeal. Take a look at the infographic below to see the countries that exported vehicles to the U.S. in 2017.

In the graphic above, every country that imported autos into the United States in 2017 is represented by a circle containing the flag and map of that country. The larger the value of vehicle exports to the U.S., the largest the circle of a country becomes. The data were collected from the International Trade Centre’s Trade Map and the U.S. Census Bureau.

Top 5 Car Exporters to U.S.

Canada: $43.8 billion

Japan: $40.7 billion

Mexico: $30.6 billion

Germany: $20.8 billion

South Korea: $16.1 billion

The value of imports from Canada and Mexico are the first and third highest at $43.8 billion and $30.6 billion respectively. This may explain why President Donald Trump has been so eager to rewrite the North American Free Trade Agreement (NAFTA). The agreement used to allow auto manufacturers to move production facilities across North America and import vehicles back to the U.S. In order to qualify for a 0% tariff, a complicated set of requirements had to be met. Trump’s new U.S.-Mexico-Canada trade agreement, announced September 30, 2018, will incentivize automakers to build in the U.S. and stipulates that more parts must be sourced from North America.

Most of the countries on the infographic have large, advanced economies and can therefore manufacture and export high-quality vehicles to the United States. The one exception to the rule in Mexico, which is able to export vehicles to the U.S. because of NAFTA and the presence of U.S. automakers. Auto imports from Japan, known for its very high-quality vehicles, are worth the second most at $40.7bn. When taken as a whole, vehicle imports from the European Union in 2017 totaled around $43.3bn (€37.4bn), nearly tying for first place with Canada.

The majority of vehicles for sale in the United States come from foreign countries. Some will argue that lower tariffs will allow more imports from abroad and therefore more choices for consumers. Others will argue that higher tariffs should be used to promote domestic production and therefore more jobs for Americans. Either way, if you’re looking to support U.S. business by buying locally, it may be harder than you think to buy an all American car.”

#85 Tammy on 10.18.18 at 7:36 pm

Don’t make exscuses for poor manners. You control this site. So many of us depend on your blog to help us navigate our finances. You are doing us a great service. Please don’t take any crap from anyone. Listen to Dorothy!!

#86 Cowtown Cowboy on 10.18.18 at 7:37 pm

Bit of advice Garth…Never get in an argument with an idiot…they will drag you down to their level, then beat you with experience.

#87 Bogdan M on 10.18.18 at 7:38 pm

Hi Garth,

I have to say that, I avoid reading comments on blogs or news articles because it causes me to loose hope in humanities future. I’d like to think that the idiots are the 0.05% of the population … they have that much time to yell into a computer screen perhaps their options don’t hold any weight. Online discourse especially is a terrible form of debate as nobody has skin in the game, it’s easier to annoy then to make rational arguments.

If you do shut down the comments please know that for me it won’t change the value this blog brings to my life which is quite immense. But since you are doing this service for free, I figure I should also come back here every day I read it and post a positive comment as a way to combat the idiots out there. Do know that for every idiotic comment out there there’s 1,000 people that read and enjoyed a well written article. Sadly the idiots yell louder.

#88 With respect on 10.18.18 at 7:39 pm

Garth. Can you upgrade your comment section to a reddit style upvote/downvote system as others have suggested? It would encourage better discourse and self regulate to a certain degree. Moderation would still be necessary of course. I love the blog, even if I don’t always agree with what’s said. The comments section, however, is a cesspool that is impossible to wade through. Not to mention the disjointed conversations. The technology exists so I’m not sure why you don’t use it? Hire a web developer and throw up some ads to pay for it if you need to. The content is outstanding but the site itself is woefully antiquated.

#89 Sask to AB on 10.18.18 at 7:41 pm

We appreciate you very much. Keep up the outstanding work of keeping us informed and always trying to help us. Thank you.

#90 Brian1 on 10.18.18 at 7:42 pm

Marijauna helps me think deeeeply. Hmmm. Socrateezzzz.

#91 Smoking Man on 10.18.18 at 7:43 pm

0 Eco Capitalist on 10.18.18 at 7:22 pm

I’ve been expecting a civil war south of the border for a few years now. They can hate each other so passionately and so many of them have guns.

Anyhow, if we’re voting, I vote disable the comments to save the blog. And if we’re not voting, I still feel the same way. :-)

Very small % of radicals on the right and left. Most folks just busy banking loot in the red hot Trump economy.

MSM blows it way out of proportion.

Get rid of the comments section, I would need start up my blog again.
Belive it or not. I have many fans that like my wierd sense of humour.

#92 Charles Vincett on 10.18.18 at 7:45 pm

Hey Garth, I do not agree with you on AGW and a blog is no place to have a civil discussion about this polarizing topic.

I will however give credit where credit is due. It takes big stones for you to do what you do and I find a lot of value in your prospective and thought process. Keep on doing what you are doing for the unwashed masses.

#93 Smartalox on 10.18.18 at 7:45 pm

In a democracy, citizens have a right to their opinions, and a right of free speech, without fear of repercussion – with limitations for threats, intimidation, incitement, hate, etc.

They do not have a right to an audience.
They do not have a right to a platform.
They do not have a right to a privately-supplied amplification system, however benevolent the provider may be.

I suspect a lot of people comment here precisely because they’ve been ridiculed (or outright banned) from other venues on the internet.

The free-for-all format and daily updates that are offered is (to some) like a clean sheet of paper offered day after day – that compels some to return to fill the page anew with their drivel, day after day.

Perhaps consider turning off the comments for a few days a week -a cooling off period of sorts. Those with facts or well-formed opinions can take their time to collect their thoughts, and post when ready, while the urges to post emotions, provocations or invective may fade after a day or two.

And those that exist only to provoke others for instant gratification and cheap thrills may wander off find somewhere else to post. Hopefully.

#94 Brett on 10.18.18 at 7:46 pm

Hey Garth, why do you own multiple homes if the world is burning ? Clown.

#95 JG on 10.18.18 at 7:49 pm

Keep up the good work Garth.

I can honestly say I disagree with you on climate change and I think Trump is heaven sent. I love him. I have never
come on here and ripped you oe anyone apart because I disagreed. I put that down to good parenting . :)

I rarely post anymore because at one time I came on here and I wanted to share how my daughter bought a wonderful home in a great neighbourhood in Montreal 4 beds pool, etc for $320k a few yeas ago. I was a proud father. I had 4 or 5 replies stating she must have bought in one of the sh*thole neighbourhoods or lived a 2 hour drive from downtown.

I didn’t need to come on here and post after a hard days work just to be attacked, so I stopped. I just read and learn from the blog now, and some of what I learn is disturbing to say the least.

I honestly don’t know how you do it everyday.

I am sure there are some good strains of cannabis suited exactly for you in this kind of work. :)

All the best.

#96 Cherry Picker on 10.18.18 at 7:50 pm

Hang in ther Garth.
Generally speaking people are idiots, on top of that pot make them even stupider.

#97 Stephen on 10.18.18 at 7:51 pm

Why not make it mandatory that the comment section is not anonymous. Problem solved.

#98 Brett on 10.18.18 at 7:52 pm

Garth, kill the comments, keep your sanity.

Thanks for everything you do here, you’ve helped me steer one friend away from a $1M+ house in 2014 (much happier as a result), and another into index funds ([email protected] not so happy) – They won’t listen to me, but they take your advice!

#99 SoggyShorts on 10.18.18 at 7:52 pm

#74 Brett on 10.18.18 at 7:46 pm
Hey Garth, why do you own multiple homes if the world is burning ? Clown.
Are you Trolling? Stupid? Illiterate?
I’m never sure anymore.

#100 young & foolish on 10.18.18 at 7:53 pm

Thanks for your blog Garth … many people are real fans!

Now, can you please have a chat with Mr. Market … he can’t seem to make up his mind about whether he prefers green or red!

#101 jojo on 10.18.18 at 7:53 pm

Interesting how Liberals and Democrats and their evil News networks like Clinton News Network use the word populism.

If a politician appeals to people you disagree with its populism.
If you appeal to Liberals it isn’t populism…

Interesting how that works. Obama and THE CRYBABY in Ottawa are populists. They used that populism to create class and ethnic warfare in their countries.
Sounds like populism to me.
Trumps just cleanign up Obama’s mess. The riots in Portland are a sign of the disease the LEFT has spread.

If someone disagrees with you – beat them.

Nice way to live your lefty life.

#102 Long-Time Lurker on 10.18.18 at 7:54 pm

Just do what’s best for yourself, Garth. You’ve already done a great service for society with your blog. Thank you for continuing your blog as long as you have. I know you were going to abandon it a few years ago. That’s when I stopped being a lurker and became a commentor.

The comments section is kind of like a coffee shop where anyone can walk in off of the street for better or for worse and you have to deal with them. It’s definitely an interesting look at the cross-section of society that comes here. Plus, there’s often good information shared by the blog dogs. There’s the downside, though.

Garth, I think you’d remain saner longer if you had a doorman/bouncer to watch over the place while you relax.

#103 WUL on 10.18.18 at 7:55 pm


Again, for about the third time I offer the following to buck up your steadfast valuable work and your heart. And the support of Dorothy (The Woman in the Arena).

The Man in the Arena – April 23, 1910 – Theodore Roosevelt

“It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.”

#104 Stormy Daniels on 10.18.18 at 7:56 pm

Dorothy sounds like a gem, Garth.

Wouldn’t it be terrible, and completely unnecessary, if she were to question your relationship after learning about what happened between you, me and Bandit that day in the park?

I think you know the answer.

$130,000 will go a long towards ensuring a healthy relationship for many years to come.

*please don’t send it by Canada Post

#105 Dan in Calgary on 10.18.18 at 7:57 pm

It’s the reason I got rid of FB, people are far crazier online than they would ever dare to be in your presence!

I’d miss your guidance Garth but I wouldn’t blame you for spending more time on fun things and normal people…

#106 jojo on 10.18.18 at 7:58 pm

Trolls before dope
Trolls after dope

One can see where the country is headed.

Look to Ottawa as stoned bikers, hot rodders, and village idiots get high and drive our roads.

30% of this population in Canada will become addicts.
If you think the health care system is tapped now, just wait when these people get respiratory diseases.

Oh wait I’m about to get trolled by a stoned loser

#107 Anne on 10.18.18 at 8:01 pm

Thanks Garth and especially, thanks Dorothy. It must make her feel sad to see the comments from the trolls.

Just so you know, reading your blog has had an amazing positive impact on my life. I shared some of this a few weeks back.

When my family and I talk about finance we often refer to WWGD. No, not the religious slant but What Would Garth Do! In fact, my family talks about getting WWGD t-shirts made for me, complete with the image of our wonderful bearded leader and financial oracle’s profile. Doesn’t make up for the bullies but there are some of us that feel gratitude for the GF adventure each day.

Sincerely some days I’m not sure how you do it. Many times I can’t even read the comments. I will admit though that sometimes I do scroll through looking for your witty responses and then I go snorf some chocolate. ;o)

#108 dosouth on 10.18.18 at 8:03 pm

You can’t legislate common sense, you can’t apparently teach it. Maybe it is just time to write the column without comments and see how long interest lasts….

#109 Millenial Loser on 10.18.18 at 8:03 pm

Okay I get it now. We have all been played by the mainstream media and all the real estate advertisers and constant onslaught of goofy of home improvement shows designed to make us want to be just like our Mom’s and Dad’s, with a house, a cottage, a minivan, a couple of mortgages, some equity lines, enough CC bills every month to choke a horse and a pending DIY project every week end. God what losers and serfs to the lenders this generation has become.

#110 Michael on 10.18.18 at 8:03 pm

With all due respect Garth, I’ll reiterate what I said yesterday. You may be over blowing the issue a tad. Many folks here choose to disagree in a manner that is respectful. Your opinion carries weight with a lot of folks,and you provide us the ability to state our opinions. I think that’s great. I also think a month or a year from now you may realize some of your fears around stigma are unfounded. You’ll slowly realize a large number of your readers smoked weed long before it was legal. We never wreaked havoc on our rental units, annoyed our neighbours, or destroyed the foundations of society. Start asking people you know and respect if they smoke weed, grow weed, whatever; you might be surprised!

#111 just a dude on 10.18.18 at 8:03 pm

Garth, like many others I’m sure, I rarely post and I rarely read through the comments, but I always read and appreciate your posts. Some people can be real d$cks and it seems these are also the most vocal, cowardly ones who like to hide behind anonymity. I don’t know how you do it. Please consider shutting down the comments altogether before shutting down your entire, awesome site. I’ve been reading your sage if not sometimes harsh words (often fully justified) since the mid 90’s and I would miss it terribly if you went silent. For what it’s worth, i’m an anonymous, big fan of yours who would never diss you, anonymously or otherwise. You, Sir, provide a great service via this site and your words (including those of your colleagues, Ryan and Doug). The comments section, not so much as far as I’m concerned.
Thank you for all that you do. Hope to shake your hand & thank you in person one day.
All the best

#112 Nineteen84 on 10.18.18 at 8:03 pm

My defence for publishing the personal attacks?

It’s democracy, I said. Free speech. Plus it’s a window into what the mainstream is thinking, feeling and believing.

Well, I don’t know about the ‘democracy’ thing (as posts are prone to being deleted etc), but I agree about the part about the window into what people are thinking. Whether in agreement or not, it’s all educational!


#113 stage1dave on 10.18.18 at 8:04 pm

Blogs are the 21st century coffee shop…and the last place a person can still semi-publicly smoke and drink coffee at the same time.

What’s happening here is the same thing that happens to all coffee shop crowds I’ve ever witnessed:

1) people do not wanna hear stuff they don’t wanna hear, from people they don’t wanna hear it from.

2) people don’t like other people doin stuff they don’t want them to do, especially if they don’t like “those people” anyway.

3) people do not want to be inconvenienced…thinking about stuff they don’t wanna think about is an inconvenience. People who introduce these thoughts are therefore inconvenient.

Welcome to the next de-generation!

As society continues it’s collective slide off the edge of the cliff, many people insist their social interactions must feel like sliding into a warm bath…comfy and self-fortifying, therefore, differing opinions or personalities are not welcome…it screws up the temperature. Facts have become something to be ignored…hey man, that’s fake news.

I kinda miss coffee shops; at least nobody was anonymous!

If it makes you feel any better, Mr. Turner, my wife arrived home from a depressing day at work and I pretty much gave her the same speech your wife gave you before I read your post tonite.

Keep up the great work and don’t let trolls/bots/fools/haters drag ya down; or just run the blog like Wendel Clark worked the boards and corners ha ha.

#114 KelownaBusinessman on 10.18.18 at 8:04 pm

I have been reading for years.

Seriously, many people here are recommending:

1. Get a better blog software package. Of course, you will lose the consistency and ability to step back through the posts, but I bet very few people search backward. After a few weeks, no one will care.

2. Force people to register.

3. Allow people to rate comments, and choose a system that allows people to sort by most liked.

4. Choose a system that allows you to collapse a thread if it is of no interest or quickly move to the next reply.

5. Delete many more comments. I hate the 1,000+ word rambles. Your time is money and our time is not without value. Put in a 300 word limit. If a poster can’t make their point in 300 words, they are not helping. They are just bored with their life.

Thank you for the unbelievable effort you make to educate the masses. I think your blog is unique; however, it is getting more extreme and less educational than it was a few years ago. Get rid of the obnoxious polluters on the site.

All this in less than 200 words.

#115 For those about to flop... on 10.18.18 at 8:05 pm

Pink Pumpkins being carved in West Vancouver.

The pumpkin patch over on The North Shore is pretty muddy with people that got used to throwing around Shaughnessy money without being anywhere near a Shaughnessy address.

Picked up for 5.15 in April 2016 ,if you put 5% down on this bad boy your mortgage would be roughly 22k a month for a house built in the early 70s.

They just put it back on today after starting this journey to exit the market in February 2017.

The new ask is 5.28 and these guys are as good a candidate as any to be spit roasted.

Put some pork on your fork…


1418 Bramwell Road, West Vancouver ,paid 5.15 April 2016 ass 4.94

Feb 27:$5,760,000
Sep 8: $5,380,000
Change: – 380000.00 -7%

#116 TRON on 10.18.18 at 8:05 pm

I’m 60 yo and have had a life. Worked in many different industries, held vastly different jobs, hourly employee, contractor, salaried, entrepreneur, union member, managed sales teams and a bunch of other stuff like bartender, disc jockey, car hop etc. Bankrupt, twice. Broke my legs, twice, my neck and three heart surgeries. Recovering alcoholic of 33 years, 2 successful grown millennials and divorced. Traveled the world and lived in 5 different countries. That’s who I am, not what I am.

We all don’t get along but if we sincerely take the time to listen to another persons view we learn something about ourselves that frees us from our own narrow view of the world . One trick to try is listen as if you’re going to be writing an essay about the person. You may be amazed at how differently they sound and how you much easier it is to understand them.

There are no two people alike. Our differences are what make us the same. The internet can bring us together or break us apart. It just depends on how you use it.

#117 RyYYZ on 10.18.18 at 8:12 pm

I appreciate what you do, Garth. However if you say something I disagree with, I may say as much, respectfully. And as far as I’m concerned, you can just go ahead and delete any posts that are overly offensive or insulting, to you or whoever.

#118 I love you Garth...People are Idots on 10.18.18 at 8:15 pm

Hi Garth,

Turn off the comments.

I come here daily to read a professional opinion. I value your thoughts and knowledge.

I have learned over years of living that many people are morons. I don’t need to hear from them, hence why I don’t read the idiot comments on this blog.

I believe that the people who come here for knowledge don’t read the moron comment section.

I suggest you disable comments. Think of the unpaid time you will save every day.

Keep up the great work and please don’t allow comments.

#119 Editrix on 10.18.18 at 8:20 pm

Maybe people should have to sign in using their Google accounts.

#120 Millmech on 10.18.18 at 8:21 pm

I remember a pack of smokes costing $5.25 before I quit as it was getting too expensive.Pot too will be taxed into oblivion just like booze and smokes!

#121 David on 10.18.18 at 8:21 pm

If it really gets to you kill the comments but keep going.

I’ve actually stopped reading them except for today and imagine many readers don’t care for the comments.

#122 espressobob on 10.18.18 at 8:25 pm

We all have our view on things. In my circle there is a lot of disagreement constantly along with some hot blooded moments. Not a problem as long as it doesn’t get personal. This is a learning process for everyone involved. Ain’t pretty, but it works.

A little respect can go a long way.

#123 Dianne Maley on 10.18.18 at 8:25 pm

As you know, the newspapers have had the same problem. It’s more than a writer can take sometime, which is why the papers have looked for alternatives such as having readers rate comments or restricting them to subscribers. But God, having to edit your own comments is more than anyone should have to do. And you’re not even being paid for it. Not good for your health, Garth. Trying the rating system or some other such thing. Because really, when I read your blog, I never, ever, ever look at the comments. That’s what the editors tell you. Never read the comments.

#124 mnpr on 10.18.18 at 8:26 pm

Here’s a suggestion. Allow only one comment per contributor per blog entry. This way, we might hope that each entry will be given more thought before being posted, and might therefore be of higher quality?

#125 Xpat on 10.18.18 at 8:28 pm

Hey Garth,

Install this plugin and let your readers moderate for you. With no upvote/downvote system the trolls get equal viewing as the people here for real discussion. The trolls are the minority. People are generally good.

#126 Chris on 10.18.18 at 8:28 pm

Thanks for all you do Garth. Your post comes out first thing in the morning where I live (Australia) and it’s the first thing I read before starting work each day.

You wrote a post recently about people fighting their fights against the wrong people… and so it plays out here. It’s easier to show outrage than do something about it, so that’s what lazy people do.

Whether they realise it or not, you’re getting through to even those who disagree with you. You may not see the results here, and that’s a shame. This blog is the closest thing to solid gold on the internet… and it’s free! Please keep it up.

Kind regards,
Chris Allison (real name)

#127 Brian Ripley on 10.18.18 at 8:33 pm

#103 jojo

Your claim “30% of this population in Canada will become addicts.” and “just wait when these people get respiratory diseases.” appears to be without evidence.

The Business Insider, Nov 15, 2017 took a scientific look at whether weed or alcohol is worse for you — and there appears to be a winner.


#128 Mapleridgeguy on 10.18.18 at 8:35 pm

Garth. I come here for your post. If I read the comments, it’s either because I’m bored, or just need a laugh. Keep the blog and dump the comments section. Just my two cents.

#129 crowdedelevatorfartz on 10.18.18 at 8:40 pm

@#104 Stormy

It wasnt remotely funny 3 weeks ago … isnt funny now.
Give it up.

#130 Sam on 10.18.18 at 8:40 pm

Garth and Dorothy,
Thank you for a wonderful and informative blog.
I too enjoy the comments section, some great information, it would be a shame to lose it. However, a greater shame to lose your blog.

#131 Brandon on 10.18.18 at 8:47 pm

Garth, I sincerely appreciate all that you do. I may not always agree, nor should I necessarily. You challenge our biases and we need that to more fully understand our world. I read other blogs and sources of information to try and gain a well-rounded view that encompasses the input of as many experts as possible from which I can carefully draw my own conclusions, Please do not let the keyboard-cowboys (nothing against actual cowboys) stifle this brilliant medium you have built here. All the best to you and Dorothy.

#132 Property Accountant on 10.18.18 at 8:53 pm

Hi Garth,

Please ignore or delete all those hater comments and continue your great work of educating all those pooched millennial’s about financial intricacies of investing, saving, debt impact and interest rates. They need that more than ever before, and some of them are listening, so your seed is not lost, will bring crops eventually.

The bell rings loud because it is empty inside.

Forgive them, for they do not know what they are doing.

#133 Bill Grable on 10.18.18 at 8:57 pm

The personal attacks, vitriol and trolls, Mr. Turner?

Ignore them.

The vast majority of us ‘regulars’ have come to rely on this excellent Blog, to learn and expand our chances of surviving “The Age of Trump”.

To you anonymous yutzes – please – find someplace else to peddle your immaturity – Mr. Turner does a lot of a great stuff here, appreciated by thousands – and you morons are starting to hack us all off.


Now, scram.

#134 jim I on 10.18.18 at 8:58 pm

Thanks for the honest effort to educate and present the facts.

#135 Appreciative reader on 10.18.18 at 9:06 pm

Mr. Turner, I hope you can read past the garbage in this steersge section and see that the bulk of your readership recognizes and appreciates your daily effort to educate us in financial matters and encourage us to think critically. Thank you.

#136 Sold Out on 10.18.18 at 9:07 pm

Let it be known that I live in BC, so it is quite shocking to read so many comments from people who display such contempt for, and fear of, weed users. Such attitudes are not regularily encountered here on the left coast. While there may be some thorny issues raised for some strata councils, weed will be no more problematic than AirBnB, bad renters, or strata council presidents who think they get to make the rules. Weed users are already in the workplace, on the roads, and running your doggy daycare; very little is going to change after legalisation. Criminals will continue to break the present laws, just like they broke the old ones, and law-abiding folks will adapt to the new regime. As for the daily dose of venom and abuse that the steerage section unloads here on one another, well that seems to be the going price of having an opinion and expressing it online. Cowards are emboldened by anonymity; if some people talked to strangers IRL as they do in online forums, alot of folks would be crawling around on the ground looking for their chiclets. The biggest trash-talkers online are invisible IRL; they are powerless, fearful, weak individuals, and deep down they know it.

#137 Cici on 10.18.18 at 9:08 pm

Love this blog, and the fact that your hilarious little gems get funnier and funnier every day.

Ignore the haters and find it in your heart to pity them, for after all, they must endure their own insufferable presence every single day (apparently the drugs are necessary to help dampen that misery a tad).

#138 WBH on 10.18.18 at 9:10 pm

Why don’t you just can the comment section? I would hate to lose this blog. Even the comments which are allowed on here are often irrational and even weird. All the best, Blair

#139 Frank N Beans on 10.18.18 at 9:12 pm

Many (most of us who post in your comments) make it a nightly ritual to read and contemplate your blog. If you disappeared from the ether, a ton of us would mourn (even the crusty no good knuckle draggers who don’t have any etiquette, they love you too, they just don’t know how to treat the ones they love).
I would never have skin thick enough to put up with the comments you do. Keep your comments coming, regardless of how people take them, they’re well worth contemplating. You create a space for legitimate debate in this forum, but with that also comes some of the crud. Thanks for allowing us all have this forum.

#140 KLNR on 10.18.18 at 9:13 pm

Garth, time to shut down the comments.
Its turned into a pissing match between
the whacky right and looney left anyhow.
Wonder what SM, stan, jojo and dolce will
do with all their free time :)

#141 Seth Maggard on 10.18.18 at 9:14 pm

Hey Garth,
I appreciate you being forthright with the abusive and uncivil crap you’ve been taking. It isn’t okay and I’d like to believe that the trolls represent a tiny but vocal minority. Living in the lower mainland, but coming from the housing crash ravaged US (Colorado), I’ve really come to appreciate your blog despite rather fundamental disagreements we’d certainly have over public policy and politics in general.
Generally, I’ve found your arguments to be fair and, when not necessarily persuasive to me, seemed always grounded in logic and reason (with admirable flourishes of dry and sometimes dark humor). That you take time out of your day to create and administer this blog, when you have no obvious need to, tells me that informing the public really is your passion here; I don’t believe you’re trying to propagandize or talk down to your readers. So, thank you.
That being said, the thing that has always ‘stuck in my craw’, is your fairly consistent use of ad-hominum attacks and using of derisive names. I hesitate to even bring this up as its your damn blog and you can label people what ever the hell you feel like. But…
Civil discourse is only possible when we all do our best to extend courtesy and politeness to all our fellow citizens regardless of how off-base we may think their opinions and actions. While I will no doubt be accused of advocating for political correctness, I do worry that even light-hearted name calling starts us on the slippery slope to incivility.
Thank you again Garth, for your blog, for this space and for your willingness to discuss the darker sides of this patch of the internet commons.

#142 Ryan on 10.18.18 at 9:14 pm

The internet is the wild west. Many people can’t handle the “banter” and instead think most of what they read online seriously. The comment sections are notorious for people baiting others into angry responses. The more people scream for people to take their comments elsewhere, the more you attract the unwanted. It’s a game that people who didn’t grow up with the internet, or those who don’t spend a good deal of time roaming it, don’t understand, and they don’t have a skin for it. People love getting a rise out of other people on the internet.

Think of those stupid comments like the background noise. It will never go away, just like the background noise of the universe. You could either let it bother you, and close off all the comments (travesty), or you can understand it, ignore it, and keep on trucking.

You also have to understand, a good way to shut down competition and discussion online is to send (pay) some people with an objective to fill your comments section with horrible crap. Not because they themselves believe the things they say, but to shut down discussion altogether. You should explain that angle to your wife. That’s a great way for a competitor to mess with the good thing you have here on the Greater Fool. You’d be a fool if you fell for it.

#143 LongTimeReaderFirstTimePoster on 10.18.18 at 9:17 pm

Garth, I have read your blog daily since 2011. On occasion, I skim the comments section. Don’t stop blogging. Ditch the comments section and free yourself from the trouble of moderating it.

#144 Unnaturally Yours on 10.18.18 at 9:19 pm

#206 Wm on 10.18.18 at 4:00 pm

The idiocy spewed here regarding weed is consistently….. incredible. It’s a weird thing you do when you stigmatize nature.”

Thank you for proving your own point…not about nature….. but about idiocy. Just because something is natural does not make it safe. Not gonna provide a complete list, but pick any of UV light, cyanide, venom from any one of thousands of land or sea critters, cobalt, etc. Here is one link to get you started on your homework,

#145 Stan Brook's Psychiatrist on 10.18.18 at 9:20 pm

#198 Oakville Rocks! on 10.18.18 at 1:52 pm

“Hey SB’s Psychiatrist – lower the dose of the meds, your patient has no perspective or critical faculties left.”

It isn’t the meds. Stanley has had a lobotomy and two rounds of shock treatment. In the last shock treatment, we accidentally doubled the voltage…. Ooops!

#146 Wrk.dover on 10.18.18 at 9:21 pm

I apologise for writing one of those that you deemed not to post.

It is very apparent by now that yesterdays legalisation has rattled you to the core, and broken your Canada First Heart.

My intent was to help clarify the why the existing situation is. By quoting stats Can. Nothing more.

#147 Give me RE, or death on 10.18.18 at 9:25 pm

Garth, most times, when I point out that you’ve been very wrong about RE values, you don’t print my post. However, there was nothing off base about your legal pot column. Everything you stated was absolutely correct. Legal cannabis does bring a whole host of issues regarding RE. You correctly and rightly pointed that out. Left wing pot heads are just being a&%holes.

#148 MacroDave on 10.18.18 at 9:25 pm

Hi Garth, thanks for continuing to blog. I rarely read the comment section(and one of your posts about your website stats a few months ago said most don’t- if I remember correctly?). Perhaps closing the comment section for a week would be a good trial run?(I’d imagine you would have much more valuable free time if comments are only on taken on a certain day of the week for example). Anyway, keep up the good work; the blog is something I’m sure many of us look forward to daily.

#149 Calgary Retiree on 10.18.18 at 9:26 pm

Some of your blogs are controversial and based on, and motivated by conservative ideology and Trudeau bashing. Your opinion, your blog – fine. But don’t be surprised at push-back from those who disagree with your opinions. I found your rant yesterday on the evils of home grown cannabis completely over the top fear mongering. Have a look at the mirror and ask about your role in polarization. Here is link comparing growing 4 plants with a grow-op.

#150 Valerie Vaulthair on 10.18.18 at 9:28 pm

#1 sm_yyc on 10.18.18 at 6:07 pm

Hi Garth – still going to offer you to have federated comments or use the Discus service just like some of the news outlets out there.”

Surely you mean, “disqus”, lest we infer that Grath transform from being a professional javelin catcher, to returning verbal fire with a discus throw?
BTW Garth, I read this blog mostly for the entertaining comments. Surprised at all the naysayers who get their knickers in a knot over a bit of free speech. Your Voltaire-esque defense of differing opinions is truly commendable

#151 OttawaMike on 10.18.18 at 9:31 pm

Since pot was legalized over 7 billion people have died in Canada.

But seriously why will you not consider an up/down voting button to sort the chaffe from the wheat here?

#152 Barb on 10.18.18 at 9:34 pm

Agree wholeheartedly with Dorothy.

From day one, I didn’t believe the commenters here to be “mainstream”. At least I hope not.

#153 45north on 10.18.18 at 9:38 pm

“So,” she said, after wading through 200 comments, “why do you put up with this crap?”

the valuable thing, the important thing is your blog is a critic of the present ethos: borrow the most you can to buy housing. I mean how did Canadians borrow $2 trillion without somebody saying something? Most of the $2 trillion was used to buy housing whose value is in doubt. As you point out, you don’t have to buy housing. Who else is saying anything? Reminds me of the little red hen – not I said the government, not I said each of the political parties, not I said the banks and not I said the real estate agents. If you want to be the voice crying in the wildness, you have to expect loneliness.

there are other aspects which deserve mention

you post every day which gives presence

the fact that you allow a wide range of comments encourages engagement and gives presence. It subjects you to criticism but when it falls short, it validates you.

your blog is personal – there’s no committee or group doing the editing. I’m pretty sure there is someone helping you, but he or she is just a first pass. You get all the hard stuff.

you need a range of skills and experience to do this blog: experience in newspapers and media – you have to have a good feel for libel or you’ll be kicked around and beaten up.

you have served as a member of Parliament and as Minister of Revenue. This experience provides invaluable political perspective as well as precise understanding of Revenue Canada.

the fact that you are currently providing financial advice gives you currency and authority.

I couldn’t do it

#154 ContentIn306 on 10.18.18 at 9:41 pm

I actually really appreciate that you’ve spent the decade slinging truths to help people.
I use you as an example of one of the good ones I don’t always agree with to the various polarized people I deal with regularly.


#155 Greg on 10.18.18 at 9:44 pm

Yes Garth, a sad bunch. They see a world full of things they would love to have and they are educated enough to know that it’s beyond their reach. Maybe it’s their fault or maybe it’s not but one thing is for sure, all the crying in the world isn’t gonna help one bit. Your blog is a great financial resource and it doesn’t cost me a penny to read it. Thanks.

#156 leebow on 10.18.18 at 9:48 pm

Dear Garth, please pick up your cross and proceed towards that mountain.

Unfortunately, not all of us are yellow Porsche-driving McGill graduates. May be it’s a matter of perception. Some comments from yesterday were pretty adorable. Isn’t it refreshing to see some minds unclouded by deliberation and introspection? Of course, it hurts when people in shorts try to crap on the podium that you were erecting for so many years (they can’t taint it). What can you do? Those who can see will see. Those who don’t… Nevermind.

I, personally, think you are doing a great service teaching financial 101 to the public in Canada and even internationally. They should give you some sort of a tax cut for that. At the very least, let you cross on red if there is no traffic.

#157 Knudy on 10.18.18 at 9:49 pm

Hey Garth,
Been following you for about a year and a half. I am 35 years old and somewhat financially astute and I am consistently impressed that you can come up with a nugget daily for me to think about. Comments on spousal rrsp, any and all tax reducing tips, the gruff straight to the point love and hate for different investment strategies all offer a well thought out and usually a pretty agreeable narrative. Those who want to dish out their own hate of themselves on you don’t deserve your time and I think we can all take solace in the fact that in 100 years they will all be dead. Keep up the good work.

#158 Steve on 10.18.18 at 9:50 pm

Best guy, best blog, best sarcasm, just best bro!

Don’t ever stop writing.

I never read the comments, it’s not worth it. Only keyboard warriors there.

#159 Cash on 10.18.18 at 9:53 pm

Hey Garth. Just stopping by to say that your site is great and I appreciate the time and effort you put into covering important issues that are hilariously overlooked in the general media. Keep on truckin !

#160 Rural Rick on 10.18.18 at 9:53 pm

Honestly Garth I don’t know how you do it. You have a way thicker skin than I do. I really appreciate the education you have given me. I am now retired and it is going to be ok in spite of some reverses in my life. It is only that way because of your tutoring. Thanks.

#161 Robert Stathers on 10.18.18 at 9:55 pm

Garth, don’t get discouraged by trolls and idiots. I read your blog quite often and find a lot of useful ideas here. It would help a lot of us if you pruned out the banter and drivel that wastes our time. I thank you for your valuable time blogging your insights. That’s what makes the internet so great.

#162 Fish on 10.18.18 at 10:02 pm

Bank of Canada publishes its 2019 schedule for policy interest rate announcements, the release of the Monetary Policy Report, the Business Outlook Survey and the Senior Loan Officer Survey
Media Relations
Ottawa, Ontario
July 31, 2018

The scheduled dates for the interest rate announcements from September 2018 through December 2018 are reconfirmed as follows:

Wednesday, September 5
Wednesday, October 24*
Wednesday, December 5
The scheduled dates for the interest rate announcements for 2019 are as follows:

Wednesday, January 9*
Wednesday, March 6
Wednesday, April 24*
Wednesday, May 29
Wednesday, July 10*
Wednesday, September 4
Wednesday, October 30*
Wednesday, December 4

#163 Mark in Vic on 10.18.18 at 10:02 pm

Keep up the good work Garth. You are the voice of reason in these declining times.

#164 BobC on 10.18.18 at 10:03 pm

I think I mentioned this before. Charge an annual fee for access. You can then be a little more specific with advise and you’ll get rid of those that are here for the wrong reasons. You make it look easy but I’d bet you spend a lot of time making it happen.

#165 Pupa on 10.18.18 at 10:04 pm

Light is brighter when surrounded by darkness.

#166 For those about to flop... on 10.18.18 at 10:05 pm

Pink Pumpkins being carved in Burnaby

Featured these guys in July when they did a big reduction.

Put it back up only to lower it back down to the current ask of 2.38.

Picked up for 2.8 at the detached peak of Spring 2016, with an assessment of 2.57,they appear to have shot themselves in the foot.

It’s o.k to get some blood on the hardwood.

Put a sock on the other foot and drag it behind you.

Walk it off.

Just don’t get any blood on the new cushions…


5830 Sperling Avenue, Burnaby paid 2.8 April 2016 Assessment 2.57

Now asking 2.38

Apr 24:$2,899,000
Jul 24: $2,290,000
Change: – 609000.00 -21%


Feel free to make a donation.

Flop For Fox Fund…

#167 Stormy Daniels on 10.18.18 at 10:08 pm

Well, well, well, Garth!

I am delighted to see that we are finally making some progress! (I guess Dorothy watching things so closely this week has nudged you in the right direction, my delightful dogwalking rendezvous partner!)

I have just been contacted by your personal attorney, Washed Up Lawyer (WUL for short, he tells me)

He has sent me an e-transfer for $130,000 on your behalf.

I need some help, though. He gave me a password confirmation question that I don’t know the answer to.

Here it is:

“A two digit number, representing the last year the Flames won big; also represents the combined IQ of Smoking Man and crowdedelevatorfartz”

I only have three tries before the bank locks me out on this e-transfer.

Can anyone help?

#168 islander on 10.18.18 at 10:12 pm

Reading all those anti-immigrant, racist, ageist, or generally unpleasant comments will take a toll over time.
Thanks for sparing the rest of us. What remains is sometimes a bit irritating, but I hate to think what’s been expunged.
Good time to just close down comments for a few weeks/months. Let the ranters go elsewhere.
When and if you decide to put up with us again you can be a bit more ruthless about culling the pack.
Thanks for all the help over the years – invaluable.

#169 Interstellar Old Yeller on 10.18.18 at 10:14 pm

If you’d like to keep the comments, make your experience in writing this blog nicer, and not create a lot more work for anyone, how about having a staff member screen out all the threats and irrelevant insults? You get to read the civil discussions and on-topic or interesting comments. You don’t really need to see every personal attack worthy of that giant Word document you maintain!

#170 DON on 10.18.18 at 10:15 pm

My guess is economic stress is behind the polarization. Debt, job stress, fear of loss, financial failure and insecurity turn people ugly and extreme. They crave powerful, simple solutions and the populists are there to take advantage of it. Long ago I learned the most potent three words in politics: “us and them.” Want power? Divide.

Nicely put Garth.

On the street today after work: Some normal looking 50-60 yr old Women were arguing that others were blocking the sidewalk and not letting them through to the bus…yet the whole sidewalk full of people was getting on the same bus! I was stuck in the middle of course. Thinking FFS – I wish my wife was here, she’d take care of this.

But I took the high road and started singing…

Keep movin’, movin’, movin’
Though they’re disapprovin’
Keep them doggies movin’, rawhide

Don’t try to understand ’em
Just rope, throw an’ brand ’em
Soon we’ll be livin’ high an’ wide

My heart’s calculatin’
My true love will be waitin’
Be waitin’ at the end of my ride

Move ’em on, head ’em up
Head ’em up, move ’em on
Move ’em on, head ’em up


The looks I got were priceless.

On the former subject – did a policy paper two years ago on Mary Jane’s legalization. Researched for weeks and spent a month writing the paper all the while knowing all I had to say in the end was – “Same as alcohol”. All the political foot work and media’s plain dumb sensationalism was too much. (Extremes)

Meanwhile the late dismembered Mr. Khashoggi was killed and the evidence seems to be damming for the not-so-life-friendly Saudi Arabia?

and Oil lost 5-6 cents and the pump prices remained the same. Prices fast to go up and slow to go down…but it is different for housing.

If Trump doesn’t do something to SA…I swear I will only buy ‘Made in China’ goods from now on.

Party on Garth, you are an asset to Canada.

#171 DON on 10.18.18 at 10:25 pm

#23 Guy in Calgary on 10.18.18 at 6:33 pm
I don’t want to sound insensitive to the post and do not condone the actions of online bullies. Unfortunately with being an “online celebrity” which you now are, personal attacks will come with the territory. That is the nature of the internet.

Take pride in what you provide to your readers and focus on the positive impact you are making. Myself and others may disagree with some points but that’s what makes this blog fun. We have differences of opinion but we all (presumably) agree on the main philosophy or “moto” of the blog which is balance.

Let’s focus on making ourselves wealthy and enjoying our lives which is the main takeaway I get from the blog. What makes me happy may not make you happy but that’s not the point. The point is to live a balanced life.

Here’s to wealth, health and doing what makes you happy.

I couldn’t agree with you more.

What’s your opinion on pipelines through BC? (just chumming the waters – lol)

Where is Josef when you need him…remember Josef blog dogs.

#172 Nonplused on 10.18.18 at 10:26 pm

Disagreement and denigration are not the same thing. For example I believe that climate change and pot legalization are big nothing burgers, but that does not mean I think less of people who believe they are serious concerns. There are reasons people line up on both sides.

And I never said the climate isn’t changing, and that carbon may be at least part of the cause, just more that I don’t see it as a big deal and I don’t believe anyone wants to give up their computer, home heating, cars, jobs, or fly away vacations over it. Not here, and not anywhere else in the world either. Human nature dictates that if CO2 is going to cause the earth to fry to a crisp, it is unavoidable. But I don’t believe a couple of degrees is going to cause that much damage. That is of course my opinion, shared by many but not the majority. I believe that there are much more pressing concerns that we aren’t doing anything about either.

On the pot front, I just don’t see usage going up that much. Pretty much everyone, including teenagers, who want to smoke pot already does.

But with both of these things we shall have to see, it is the future after all.

But that doesn’t mean I think any less of Garth or his opinions. I’ll try and be careful to be civil. Disagreement is not a reason for disrespect. We all have opinions.

And are we truly anonymous? I though you had our emails? I suppose it would be easy enough to put in a fake one though.

#173 Rob on 10.18.18 at 10:29 pm

Ditch the comment section and write a second post in the time you save….as the stats show, most people don’t bother with the comments. And as Dorothy points out, most of hose who do post aren’t worth reading anyway….

#174 DON on 10.18.18 at 10:32 pm

#33 FOUR FINGERS WATSON on 10.18.18 at 6:41 pm
Plus it’s a window into what the mainstream is thinking, feeling and believing.

This is the part that is “ golden “. It is hard to find unbiased news today. This blog gives us a chance to see what people really think about the issues of today. Some fruits and nuts do show up here but even they help us to better understand the “ photo grande”. Tks Garth.

Agreed…I come here for the mainstream feel and the excellent financial information.

People need to act their age and be somewhat respectable, attack the argument not the person.

Sorry last post.

#175 Spectacle on 10.18.18 at 10:35 pm

129# crowdedelevatorfartz on 10.18.18 at 8:40 pm
@#104 Stormy

It wasnt remotely funny 3 weeks ago … isnt funny now.
Give it up.
Wow, my exact thought, thank you for saying it!

And thanks to the Angel Dorothy for supporting Garth in his Hobby here, tutoring the unwashed!

Final note ::
For every 20 bullying stupid comments edited out, there are 1800 ( 2 million hits per year?) plus reader people per night that do not ever comment.

#176 YVR Optimist on 10.18.18 at 10:36 pm

There are sites that have comments sections that are fantastic – The Truth About Cars; The Economist… But the anonymity that the internet provides creates chaos for most other comments sections.

Here’s my position: I would never write anything on any site that I wouldn’t want my name attached to. Garth – if you want, you can ask for everyone to stand behind their own good name (or not, I suppose, as the case may be) when they comment to you or to anyone else.

It would, I admit, probably castrate some of the banter that goes on here, but maybe that’s not necessarily a bad thing.

#177 Eric on 10.18.18 at 10:37 pm

Garth, your website is invaluable. If I had the means I would become one of your clients, but as just an average joe your blog is one of the best resources I have into managing my financial life. Thank you for your efforts.

#178 Blair on 10.18.18 at 10:37 pm

Suggestion: Why not swap out your comment section with a “Question of the Day” poll related to your daily blog? You can still gauge viewer sentiment and not have to put up with the trolls and wade through the idiotic comments.

#179 Bk on 10.18.18 at 10:39 pm

Garth, appreciate all you do. As for today’s post…. man to man. Stop being so sensitive. Man up. You tell that to people who write into you for advice all the time. Who cares what people write. You blog about controversial things, of course you will get backlash. Anyway, don’t expect you to post this, just thought I’d give my 2 cents or whatever it’s worth.
Keep up the good work.

#180 Ace Goodheart on 10.18.18 at 10:40 pm

Trumpster’s about to sow the seeds of his own demise.

Back when the US government bailed out the wealthy corporate world, who took tax money as bonuses for almost wrecking the global financial system, the USA, led by an arms dealer/ vice president waged war on a country that had done nothing to them, and that they didn’t want to invade or control, so that the VP’s corporation could sell guns and bombs to the US military, Trump’s ascension to power was being roughly hewn into shape.

We now have a prez who makes friends with North Korean dictators. Why? Why not? He ignores the status quo and does whatever he likes. That is his appeal. He just smashes the sh$t out of the system everyone hates. He is like watching a bulldozer flatten a private club you could never get into, where all the important decisions that effected your life were being made.

Now we have the Saudi problem. A predictable situation really if you understand the cultural dynamics involved. Read the Old Testament. Things haven’t changed much over there. You don’t insult princelings.

But, Raiders of the Lost Ark-like, the Saudis have stepped into a world of rights and values that they don’t understand.

And as the world watches, the Trumpster has to make a decision.

Throw the House of Saud under the bus.

Or cover up.

Any US President in history would cover up. That is what they do. That is why everyone hates them. That is what got Trump elected. The arrogant entitlement that drives people to protect their own at all costs. The old boys network. The league of upper class. The “just us” system.

Trump is expected to toss the House of Saud to the hounds.

And he would. And he’d enjoy doing it.

Except for one little problem. His companies would stand to lose millions in real estate deals if he goes after the princeling.

And if there’s one thing Trump always does, it’s look out for number one.

This is tragic. Like watching Hamlet talking to ghosts.

#181 Debtfree on 10.18.18 at 10:40 pm

That’s why I stopped reading the comment section . Still read most of the blog posts , some can be really grim . Then , there is the other side of the coin ,greed . Namely the disappearing “for sale signs “ in Kitimat and the shockwave rolling up the Skeena . Just one for sale ad for land in our local news paper but who wants to move to Saskatchewan? Been reading it since the late seventies , never happened before . Amazing .

#182 DON on 10.18.18 at 10:42 pm

#51 Blacksheep on 10.18.18 at 7:00 pm

Who was sure 10 years ago a Canadian RE collapse, was just around the corner, besides you and me?

Plenty….and now they’re the “Dogs” whom you’ve harnessed to drag the blog sled along.

Lets be honest, there is no denying your a skilled writer, but it’s the Dogs that make the show, all while you ride the sled and crack the whip in an attempt to maintain control of the unruly pack.


Many of these people do not follow traditional norms (me) and don’t believe 50% of what they read in the MSM, if they read it all. You’ve attracted a largely non conformists group, but are then dismayed (offended?) when they behave as such.

I have a low delete ratio simply because I realize its your forum and I’m just another free guest.

So if you’re getting tired of all the mental patients and crap, just call her a day.

It’s been a decent run….
Sorry Garth – I came out of early retirement for this one.

The hypocrisy was took much to take and remain silent.
Blacksheep in standing up midway during the movie again.

#183 billy on 10.18.18 at 10:45 pm

Thank you Garth, I don’t agree with everything you say but I appreciate your time and effort.

#184 michael Caligiuri on 10.18.18 at 10:46 pm

Garth hang in there. We need your straight shooting advice in this crazy upside down, politically inept world. Those of us who have followed you since the days of your RRSP books love you and want you right here. So ignore the idiots like I do and continue on.

#185 Grandma Moses on 10.18.18 at 10:53 pm

Let’s not get do politically correct that fact becomes the victim of imbecility.

Decades ago I wrote a test to become something. One of the questions was designed to register how well an applicant understood global economics. Here it is.

“If the ocean temperature off the coast of Chile were to rise one percent, how would that affect the price of beef in Japan? The answer was obvious. Rising temps in the Eastern Pacific are a naturally occurrence called El Nino. The fishermen know that fish swim farther east and that costs more fuel and labour, hence the price of fish goes up, because fish meal is the primary food of cattle in Japan, that makes Japanese Kobe beef more expensive.

So, when I pointed out yesterday that foreign buyers are likely to sell Vancouver real estate at a discount increasing the listings and ergo sales velocity driving prices down because they have to pay margin calls to shadow banks in Shanghai, I was once again called racist for printing out the international connection and it’s effect on Canada.

I think that’s PC gone bonkers. Don’t you? Canadians deserve better advisors.

#186 DON on 10.18.18 at 10:54 pm

#94 Brett on 10.18.18 at 7:46 pm
Hey Garth, why do you own multiple homes if the world is burning ? Clown.

Sorry Garth… I left the back gate to the blog open again. Don’t worry Zeus and Apollo will get em.

Flop…I read all your comments…keep them coming.

#187 AM in MN on 10.18.18 at 10:56 pm


Good post, you provide a valuable service that will be missed when you decide to slow down.

I agree with a lot of what you say, and appreciate your fact based opinions on financial matters, not just throwing darts at a board.

I disagree on some key issues like global warming and the future of crypto-currencies, especially bitcoin core. I like to think I seek truth and facts in all things, and find the CO2 arguments full of holes and not substantiated by hard numbers. I try to seek out argument on all sides, and thus your blog is one of the best….you should sell advertising.

I will also disagree with the argument that the vitriol you face comes from economic stress. In fact I think it’s the opposite… people with too much time on their hands because they aren’t economically stressed. People wondering how to pay rent or a car repair bill don’t get on a blog and shout down other people.

As someone who has run for Parliament a long time ago in a district with a sizeable University, it seemed that the offspring of the well to do could treat their U experience like a camp, and indulge in all manner of unhealthy exploits, like left wing politics.

You are one of the few who is comfortable enough in his own skin to be able to drown it out. I like to think I share that trait with you.

Democracy is a scary thing, look at Venezuela, Russia, Zimbabwe, Iran, Palestine, Egypt, South Africa…and so many more.

Human nature being what it is, that’s why crypto has a future. it’s numbers based and doesn’t care what anyone thinks, can’t be subjected to confiscatory taxation like your house can.

One other point, the issue of racism. Just to use the Donald as an example, because we all see it on the news every night, and his support base on this issue. The issue isn’t their race, it’s that they’ll get the right to vote, and then turn the free republic into the banana republic they left behind. The Dems won’t compromise on any immigration bill that doesn’t give the illegals voting rights. It isn’t racism to want to protect your country from turning into one of the ones listed above.

Keep up the good work!

#188 acdel on 10.18.18 at 11:04 pm

Dump the comment section people say that comment on here regularly’ a paradox, eclectic, or perhaps an oxymoron? Hypocrites I say, but what does it matter?

Those “FIRST” yahoo’s, seriously, “why”? what can you possibly gain out of that?? A high five like us elementary kids use to do; great!

There use to be real constructive, intelligent conversations a few years back and at that time we were told to stop or else the blog would shut down, so we did! I miss the old days of many that no longer post!

Rarely post any longer but do read your blogs from time to time. Sometimes like this evening try and read some of the posts until my eyes glaze over!

Always enjoy your posts and thank you for your wisdom teaching many out there, but, something has been lost!

#189 Austruck on 10.18.18 at 11:12 pm

I guess people are getting pissed with your commentary probably because you’re starting to hit a nerve. For years, you’ve been warning about what’s happening now and it didn’t really occur until recently. Now we’re entering what’s about to be the biggest UGLY of our lives (economic downturn). So your comment that it’s a window into the mainstream is probably very true. Stress is the symptom of the reality that we know deep down that the piper has to be paid. That means that those who drank the koolaid will suffer deeply…sad but true

#190 Theo on 10.18.18 at 11:19 pm


Long time reader and very occasional contributor (it’s been a long while). Agree with you that civil discussion and compromise is out the window. Also agree with Dorothy about the gutless comments. Free Speech /Freedom of Expression protects one against sanction by the state. It doesn’t give anyone the right to spew vitriol against another person. There are limits on that type of communication. Have you thought of lifting the veil so to speak by vetting emails and insisting on real names (first or middle)? After all if one has the stones to write trash, they should still be there proudly alongside one’s name.

#191 yorkville renter on 10.18.18 at 11:21 pm

My guess is economic stress is behind the polarization


It’s not just here, but everywhere. Terrorism is almost exclusively the domain of the economically challenged – the only exception are the leaders.

Same as Populists everywhere.

#192 Wendy on 10.18.18 at 11:22 pm

I learned quite awhile ago that when people lash out at you it is because they are unhappy with themselves in some respect.
I think you give good advice to people, and if they would listen, they too could enjoy the benefits of financial success. There is no source of darkness, only lack of light.
If you help a few along the way, you are a success. How much or how long you choose to do this is up to you, but know that you have helped many people who, like me do not usually post anything.

#193 Proud Dreg on 10.18.18 at 11:25 pm

Anyone putting down MJ while at the same time drinking a beautiful Cabernet or Craft Beer… a hypocrite.

#194 penguin on 10.18.18 at 11:27 pm

Ignore the insults, not worthy of a response, and comes with the territory. No more sheesh comments. You have an army backing you. Reading your comments section is a part-time job with its popularity. I think/hope that the daily number of Web Page Visits/Total Number Comments (not counting content) brings a smile to you and Dorthy’s faces each day, which is the holy grail of a blog.

#195 James on 10.18.18 at 11:29 pm

Just Delete smoking man.

#196 Hedge on 10.18.18 at 11:30 pm

This is my first post. But, I have read this blog almost daily for 10+ years. It is the best blog on the internet. I am glad I found it 10+ years ago, since now I am early 30s, financially ahead and can do whatever I want with the rest of my life (although I continue to grind hard at a job I love). Thank you.

However, I disagree with the concept of getting rid of comments. If people need to identify themselves, fine. But, Garth – you get 200 comments every day. Most of these are outstanding comments and provide some of the best discussion on the internet for Canadians. Sometimes, I don’t even read your blog – I just skim the comments. Where else do you get REAL discussion about IMPORTANT issues where people can express their reasoned views? Garth, you are the catalyst for this, and I would encourage you to keep the comments going. There are some bad apples, but overall you have a great community here who all owe you a lot.

#197 yorkville renter on 10.18.18 at 11:31 pm

From the article linked there:
In its annual mortgage consumer study, Canada Mortgage and Housing Corp. found that 85 per cent of first-time buyers reported spending the most they could afford on their property.

Despite this, 76 per cent say they were still confident that they would be able to make their monthly mortgage payments.

Sixty per cent of first-timers and 69 per cent of repeat buyers reported having “sufficient assets” such as investments or other properties to help them if they were to run into financial trouble with their mortgage

Good Luck selling your “other properties” fast enough to help with your mortgage. It might take a while if no one is buying property at the time.

#198 Danny on 10.18.18 at 11:32 pm

Garth if you keep posting, I’ll keep reading.

Life’s a garden, dig it.

#199 PastThePeak on 10.18.18 at 11:32 pm


Thanks for the immeasurable public service you do by publishing a blog post almost every day of the year! And all pro bono. It is a rare find in this world.

I have said many times, I don’t know how you can wade through the comments section 6 days out of 7. It can’t be good for you.

While my personal preference would be for you to keep the comments section (I do find some of them entertaining), with some s/w solution that could perhaps help it be managed, I agree with the vast majority here that we would all vote to ditch comments but to keep your wisdom.

For what it is worth, notice the typical serial commenters that are absent tonight, who are often either polluting the blog with dozens of the same comment, or being general assholes to Garth or the world:
– Stan Brooks
– Real Mark
– Mattl
– Jungle boy
– dozens of yesterdays a-holes

…notice the civility.

And to highlight a few of the idiots that remain and obviously were unable to understand the content of the post:
#52 Ex Pat Canuck on 10.18.18 at 7:02 pm
#53 Freddie on 10.18.18 at 7:04 pm
#56 Figure it Out on 10.18.18 at 7:08 pm
#94 Brett on 10.18.18 at 7:46 pm
#149 Calgary Retiree on 10.18.18 at 9:26 pm

Too few people understand that “free speech” means the right to speak (with a few restrictions) without fear of reprisal “from the state”. It does not give someone a right to a platform, or the right to speak without consequences (libel, backlash, impact to employment, banning on private forums, etc).

#200 BS on 10.18.18 at 11:33 pm

Toxic masculinity. Men need to shave all facial hair, cross their legs when sitting, squat when they pee, talk with a girly voice and declare themselves a feminist just like Mr Dress up. Then we can all use gender neutral washrooms in harmony. This blog would be a more civil place. After all nobody gets along better than a bunch of women.

#201 Andrew Sell Out on 10.18.18 at 11:37 pm

Despite being universally popular with the public, the BC NDP has struck a deal with the Greens to amend the Spec Tax just days after introducing it with much fanfare. The Greens forced the changes.


They are still mad in Nanaimo and the Okanagan that an opt out completely from this tax was not reached. Talk about a corrupt bunch up that way. You think a little bit of legal weed would calm them down.

Selling out the entire population. BC is screwed.

There are such better ways to target this issue, they say.

But what these Liberal types mean is, no, no. Don’t touch my profits. Heck don’t touch anything.

All talk and pretty much do nothing.

Shut all ideas down. Water it all down.

Curious who is getting paid how much here.

I am okay if they want to amend and put forth even better solutions. But to do nothing and water down the original plan is weak and is unacceptable.

NDP didn’t have a choice here. They had to make a comprise with Mr. Sell Out showing us true colors.

Greens are not getting my vote ever again. All tough talk, no action and a lot of this smells of corruption, yet again.

#202 Foggy on 10.19.18 at 12:02 am

Hey Garth,

How easy is it to add a ‘like’ and ‘dislike’ voting button to each comment? Then keep moving the comments with the most ‘liked’ votes to the top and the comments with the most ‘disliked’ comments to the bottom? This way I save time going thru the garbage looking for a gem?

Just a thought.

#203 Wait a sober second ... on 10.19.18 at 12:05 am

Don’t stop blogging Garth. And the comments … most of us can focus on the thoughtful, intelligent entries. The other comments can easily be scrolled and disregarded. Keep the comments and keep up the good work.

#204 Vision on 10.19.18 at 12:10 am

I read your blog because of the incredible insight you have as well as data to back it up.
I may not always agree, but I still value your opinion.
But most of all, your incredible wit, sense of humour and your writing skills makes me want to read this every day.
I believe most of your readers feel the same way.
But you hear from many, and too often it is the belligerent ones. Don’t let those cloud out the rest of us.
Keep up the good work!

#205 Guillaume on 10.19.18 at 12:27 am

Garth, just release the email addresses of the guys that don’t show you enough respect, we will take care of them (digitally I mean)
Thanks for trying to make this world a better place !

#206 Stan Brooks on 10.19.18 at 12:31 am

#83 SoggyShorts on 10.18.18 at 7:36 pm

I said serious illness, not twisted ankle.

#145 Stan Brook’s Psychiatrist on 10.18.18 at 9:20 pm

Another example of the great health care system that we enjoy. Psychiatrists treating with lobotomy, shock treatment and messing up with the voltage. Proving my point, thank you.

#207 Stan Brooks on 10.19.18 at 12:36 am

I think the discussions on real estate and economy have already covered quite an amount of details and some of us (at least those with some minimum IQ required) know what is coming, we are here for the spectacle and the great unraveling.

It might be drama for some/most but hey, that is life, everyone chooses what train to jump on.

Pass the popcorn and enjoy the show.

#208 CalgaryGuy on 10.19.18 at 12:42 am

Take heart Garth. A man is judged not only by the quality of his friends, but also by the nature of his enemies. If you are hated by the kind of people that apparently do, you must be doing something very right. Good financial advice and common sense are in short supply, so please keep going. Even us knuckle-dragging Trump supporters appreciate you being a straight-shooter. You make a difference.

#209 Patrick on 10.19.18 at 12:45 am

Hi Garth,

First, thanks for putting in all the time and sharing your insights. :)

I’ve commented only a few times in nearing a decade? I don’t know. The value for me is in the articles and the signal to noise for the comments is rarely worth the time to read them. If it’s taking a personal toll and is degrading into something unhealthy for readers then maybe its time to let them go (or try another approach).

This site would be 99.999% as awesome without them. Don’t put up with that grief on my account.

#210 604renter on 10.19.18 at 12:48 am

Hi Garth. The few tarnish the many. Just a thought – is there a means to have people register their real names? I think the internet is like being a road rager – anonymity makes people brave. Anyhow, just a thought. Im not sure if there is a downside to people identifying themselves.

Many thanks for all your good work and thoughts over the years

#211 Patrick on 10.19.18 at 12:48 am

Garth, I owe you a serious debt of gratitude for your financial advice. I think you should turn off comments at least temporarily. Most of them are incredibly toxic and bitter, and I’m just reading the ones you let through. A lot of them have nothing to do with the topic you posted about. I can’t imagine having to read through this junk every day. Take a break from it!

#212 Stuart on 10.19.18 at 12:50 am

Keep it coming Garth. Do I agree with you on everything? I guarantee I don’t. debate and disagreements make life interesting. The world is divided it sucks but if you can’t read a different point of view without getting butt hurt I don’t see how that’s the dissenting viewpoint holders problem…

#213 Scalgary on 10.19.18 at 12:54 am


I can’t protect you from the ignorants, inhuman and selfish persons that visit this blog and comment you. Hey even Gandhi was personally insulted none other than by by the great Sir Winston Churchill!!! Please ignore as Gandhi did!

I am a proud follower of this blog for the past 10 years and I can’t thank you enough for knowledge I gained from here!

Keep up the great work Garth!

#214 Patrick on 10.19.18 at 12:55 am

Garth, #53 is a d-bag, just so you know. ;)

You don’t need or deserve to put up with peoples crap.

(No need to post this comment)

#215 Love Guru’s Dad on 10.19.18 at 1:01 am

Hi Garth, to be sure you are a financial guru, meaning you are not just wise about money, but life. You are one of what I like to call a “Hero of Humanity” where humanity stands for human unity. You have risked to drive forward the truth to help others. Respect.
There are other HoH’s (I might have to drop the acronym) who risked their freedom fighting for others to have the freedom to manage pain, heal and be healthy, both physically and spiritually, in a natural way.

They are like you, but Love Guru’s. Entrepreneurial, wanting better for all. Creating jobs, often for those who are victims of the criminalization of Marijuana. They have vision. They see beyond the flower, and promote the full potential of plant (food,clothing, paper, etc). They want to make the world a better place. They know the importance of what they do.

If you drew the wrath of potheads, it was likely your tone and not the facts. And for those potheads who hath put forth the rath, they have not yet found their way, cause it’s all about love baby. So I apologize on their behalf. They have more work to do…

Thanks for being a guru Garth.

#216 Smoking Man on 10.19.18 at 2:06 am

I met Dorothy and Gartho and Bandent. The dog didn’t like me. Can’t fool a dog is what I was thinking.

She’s a beauty, Garth is a lucky man, and let’s face it. He,’s a pussy.
Don’t let the cowboy boots and the ISIS beard fool you.
He’s a sweet nice man. Sorry Garth but you are.

My take on the couple. Insanely Good people. Don’t showcase that love to millennials. They won’t understand. Teachers fkd up their brains

They are nothing like me. Beware of men in Walmart flip flops. Who pretend they cant speel while being a faux drunk.

Ok I’m a real drunk. I don’t have a problem with it. It fosters creativity.

If I’m not posting on a day it means I tried to quit drinking. It doesn’t last long.

#217 John M on 10.19.18 at 2:16 am

I run a business in an industry that is in the news a lot. We’re under the microscope and get criticized relentlessly by people who claim to be too poor to buy our products but want to tell us how to run our business. We are told daily that nothing we do is ever good enough and that we’re going to go broke. Somehow people must feel better about their personal situation if they log on and viciously abuse our office staff until someone is in tears.

I often can’t help but think to myself that if these people really don’t want our products then they just shouldn’t buy them. No need to go on a rampage, just simply stop shopping. I feel that the same sentiment should also apply to The Greater Fool; if people don’t like what Garth is writing then they don’t have to read it. No need to rampage, no need to make threats, just look somewhere else.

I, for one, look forward to this blog every day. Never commented before, probably never will again. I’m part of the silent majority who are satisfied with our lives and quietly appreciate the work Garth does.

Oh, and BTW, my business just recorded it’s best month ever. Company 1, complainers 0.

#218 Boots on The Ground in Ptown on 10.19.18 at 2:16 am

Garth you’re 100% right that this slippery slope of attacking rather than any civil discourse/discussion is sadly so indicative of where society is headed.

You are a true diamond in the rough.

Also 100% agree that its the economic vice tightening thats “bringing out the best in everyone”, socioeconomically. Like that shepard’s jaws in the pict…

FOLKS: I challenge you to read Ben Hunt, over at Epsilon Theory. If i recall rightly, a recent article of his that addresses this ominous divide we have between the left and right is titled “Why Am I Reading This Now”

Don’t fall for the narratives being crafted for either “side”. Ben has a knack for giving breadth and body on ethereal topics that are difficult to get ahold of, which are affecting society right to/via our primal core.

Those of you swaggering through Garth’s blog with wide shoulders like u own the place: go read Ben and get a grip on yourself / take a long look in the mirror through many of his articles, realize you’re smaller in the scheme of things than you could ever imagine, then come back here with some new found humility and share something you learned.

Why cant we ignite our minds to instigate change instead of igniting our tempers. Or the ganja. Sorry couldnt resist.

#219 ronh on 10.19.18 at 2:34 am

There is no anonymous on the net.

#220 Smoking Man on 10.19.18 at 2:50 am

The two Jimmy’s, the good one 9 to 5, and the bad one 9pm to midnight.
Hemmingway would be proud. The self sacrifice you do for humanity.

#221 Mr Happy on 10.19.18 at 3:10 am

I write this, touring Europe, not worrying about my rental at home. Not worried about my +1 mil balanced portfolio that probably took a hit over these last few weeks, I don’t know, haven’t looked, but know the dividends I am living on keep coming. Happy, comfortable, retired at 55. Why? Because I found this blog!! Garth, I truly thank you for your wisdom past on by this blog. Don’t stop!!!

#222 I’m going to Miami on 10.19.18 at 3:17 am

You need a vacation Garth. Head off to Florida or Cuba or something!

#223 jane24 on 10.19.18 at 3:33 am

Garth the world that we knew had many shades of grey. The world today is black and white. The two generations below us function in black and white, you are either right or wrong but never a bit of both.

I don’t understand either why the word populism is a negative word. Populism is democracy and our system of govt is based on whatever is popular being the way we go. The main enemies of populism are surely the old governing elites and global business. They don’t like a populist voting base telling them which way to go, they like to decide where we are going themselves.

Please tell your Dorothy that the name Dorothy is very popular for baby girls in England now. All the traditional names from 1910 to 1950 are back. I know babies called Alfred, Wilfred, Stanley, Harvey, Frederick, Charles, Paul, Albert, Florence, Evangeline, Victoria, Grace and Rose. All the names of our great-aunts and great-uncles that I never thought I would hear again.

#224 JP on 10.19.18 at 3:43 am

Hey Garth,

Hang in there, don’t try to moderate everything yourself, it is really heavy. The idiots attacking you can’t appreciate what you have to say or the information provided. A lot of people are bad at reasoning and critical thinking.

I am a loyal reader and just wanted to let you know I appreciate your blog. I am international and still found your advice applicable to my investing strategy. I made money too.

Once again, regards to your Wife and Dog and Thanks for doing what you are doing.

You don’t have to post my comment.

#225 Steve French on 10.19.18 at 4:49 am

Come for the Garth… stay for the Smoking Man freak show!

#226 Nathan B on 10.19.18 at 4:54 am

Been reading for a couple years and following your advice. Never have left a comment, I’m sure most people don’t leave them ither. Great blog

#227 Under the radar on 10.19.18 at 5:28 am

Garth is a smart , tough hombre . Ad hominem attacks will not bring his blog down. I think to have posting privileges it should be only to those who pay a subscription fee. This will eliminate most of the big hat no cattle crowd, silence the haters and maybe elevate the level of discourse.

#228 Grandma Moses on 10.19.18 at 6:12 am

Hahaha, marijuana “investors” are sunk. Thx for the hype Trudeau.

#229 theoryAndPractice on 10.19.18 at 6:28 am

I really appreciate you are sharing your thoughts with us here, Thank you !

I’m pretty sure you’ ll always need some sort of manual screening as well as automation. On top of that, use a plugin (allows voting, something like post #125 ) let the readers distinguish the good ones without your involvement.

#230 ANON on 10.19.18 at 6:28 am

Surprised Felix did not chime in about the post’s photo.
I’ll do it for him. :)

#231 Y. Knott on 10.19.18 at 7:05 am

Just recently discovered your ‘despicable’ ( – in comparison to what???) blog; even recently-er added it to my daily news feed. Trying to get “HER” interested; she controls the purse strings, I’m hopeless with money. I suspect we’ll be clients soon.

Can’t offer you advice on the trolls; don’t have a blog, and no ownership in this one so it’s really none of my business. Karl Denninger requires sign-in to comment, and is forward with the ban hammer; I note your readiness to use it, which is a good thing. All-in-all, I like (most of) the comments, and they add to the blog; keep ’em if you can, but we’re none of us getting any younger, and you have to do what you have to do.

Just happy to be here! – and BTW, this is my sign-in; the only one I’ll ever use…

#232 Mishuko on 10.19.18 at 7:34 am

I respect you give your opinion, insights to fancy portfolio managers that drive squashed beetles (i like porches i swear) and allow the majority of conversations to go on.

I think its the fear that ultimately drives that degenerate behavior.

#233 GBrewer on 10.19.18 at 7:38 am

I come here for the dog pics mostly! Enjoy the articles too! Keep up the good work Garth!

#234 James on 10.19.18 at 7:46 am

Mr. Turner, we DO appreciate your efforts. You truly make a difference.

Bashing people who disagree, insulting those whose political position differs from ours is never the right thing to do.

Hint: Referring to our current PM as “Trudeau Light” or T2 is an example of how this sort of thing gets encouraged.

The internet is a difficult place sociologically speaking and I am 100% positive that it is going to get much much worse.

People have no idea how bad it can get. But it WILL. Unfortunately.

Get your hardhat, safety boots and jock strap ready. It ain’t gonna be pretty.

#235 Loonie Doctor on 10.19.18 at 7:56 am

I read the comments from the previous post.

Wow. I wonder how these people behave when guests in someone else’s house. For many, I bet we could ask their parents.

Please keep hosting us, Garth. The vast majority are very appreciative. I have learned a tonne here and benefited both personally and financially. Mostly from your posts, but there have also been some very good comments shining amongst the detritus in the steerage section.

#236 El Cheapo on 10.19.18 at 8:11 am

Garth, Mr Turner, whatever it takes to suck up to you: Please please please investigate using a better commenting system- one that allows the entire community to upvote or downvote, hide commenters they don’t agree with etc. Someone up top mentioned Discus- it’s great and I suspect a lot of us already have accounts. The upvoting/downvoting would, in my opinion, give you a better feel for what the ENTIRE blog community is feeling rather than just the 5-10% who take the time to comment. Also the threading of conversations would be awesome: imagine having the ability to quickly and easily skip over some useless back and forth between Smoking Man and Leo Trollstoy!!!

And for the missus: My name is Dave and I live in Peterborough. I was debating giving my full name but anonymity, with respect to Dorothy, required in this day and age- it’s my armour against the rest of the world. That being said, my goal on the internet is to only say or write things I would be comfortable saying to the recipient’s face if they were standing in front of me. I’ve stressed this with my kids as well; hopefully that’s gotten through to them. The internet is forever, no matter what Google or Facebook says.

#237 crowdedelevatorfartz on 10.19.18 at 8:12 am

@#167 Boring Dan
“I only have three tries before the bank ….”
Two comments

You’re still not amusing.
You can count to three?

#238 James on 10.19.18 at 8:17 am

A big problem, Garth, is that by permitting so many stupid and hateful posts by Smoking Man each year/each day, you have been, in effect, sending out a dog whistle that right-wing/nutbar trolling is encouraged on this site. And then their left wing equivalents chime in to muddy the waters further.

Inadvertent or not, the consequences are clear to me and many other balanced, middle of the road readers here.

Ban him and his ilk and you’ll see the quality of comments spike and the trash decline, I am certain.

#239 Stone walker on 10.19.18 at 8:19 am

I believe you’ve hit the nail on the head. The truth hurts, unfortunately, haters take it out on people who speak truth, since their hurt by it. But in the end, facts are facts and it doesn’t matter who the one is announcing them. I’m sure the haters like listening to the 3% of scientists that say climate change doesn’t exists, and all the potheads that think weed legalization will come with no consequences, ignorance is bliss, no doubt about that, but you can only ignore facts for so long, no matter how hard it is to hear, then the chickens will come home to roost, the more people deny, the worse it’ll be when the big brown things start hitting the big whirly things. I have to respect someone that will continue to write about these topics publicly, keep up the good work Garth, I feel your pain dealing with the head buried in the sand, pothead hipsters that can’t handle the truth

#240 crowdedelevatorfartz on 10.19.18 at 8:24 am

Rule #1 : Dont mess with Garth’s blog

Rule #2: Dont kill a journalist anywhere in the world or all the other journalists will report and report and report…..

#241 Ignore The Haters on 10.19.18 at 8:28 am

Thank you for this blog and what you do Garth. I definitely understand how it could be frustrating and discouraging to read some of the comments from the clowns on here. My only advice is ignore the haters! For every 1 of them, there are 1000 of us who appreciate what you do and your opinion – even if we don’t always agree with it.

#242 Michael McDonald on 10.19.18 at 8:38 am

What do you expect from a pig but a grunt?

#243 milly on 10.19.18 at 8:52 am

Garth! I agree, the comment section is filled with too much trash. I usually enjoy seeing comments, people respectfully writing about different perspectives or experiences, respectful and insightful discourse. I would not miss it if you filtered the incredible amount of trash filtering from god-knows-where. Sorry you have to put up with it! Know that although I don’t always agree (like your views on legalization) the majority of content on this blog has helped this millennial immensely! I appreciate all the time you take to do this every day!

#244 Jenn on 10.19.18 at 8:52 am

Long-time reader, first time commenter.

You post things that from time to time, I’m like… no, I don’t agree with that. Either something you say conflicts with my value system and/or I think you’re not seeing the whole picture.

However, more often than not I find myself nodding, or feeling informed. You provide a valuable service. And end of the day, people come here for a reason. Beyond the haters who’re gonna hate no matter what you do or say, you’re a resource for people to draw information from and hopefully make smarter choices.

In short, don’t let the bastards get you down.

#245 Bluetheimpala on 10.19.18 at 8:57 am

Don’t be a victim Garth…If you want some policing implement a ‘comment reply’ option to comments so the community can get involved. Social media 101. Or you like the absolute control over the plebes and relish the negativity in some perverse feedback loop that sparks morning conversations with your wife. I don’t believe it is the latter, you seem like one of the good ones. Tick tock.

#246 waiting on the westcoast on 10.19.18 at 9:20 am

Garth – I don’t know how you do it but I am thankful that you do!

I like the idea of the poll. You may want to consider doing that in any case. Great way to build up more knowledge about your audience.

I prefer having comments but it’s your baby. The time and energy commitment must be massive. Thanks for putting that effort in!

#247 Grandma Moses on 10.19.18 at 9:20 am

Washington Post outlines Trudeau’s pot disaster and gorecadts cgais going forward as societal norms break down and the streets and schools are flooded with addicts.

This is the extreme left outing Trudeau as a total idiot. ” Not very well thought out”, to put it mildly.

#248 Evangeline on 10.19.18 at 9:29 am

I cannot count the number of times I’ve been terrified by the markets, and a financially wise and confident Greater Fool post by Garth has talked me off the ledge.

That said, there are a few things that he posts about that deeply distress me. I just pass those topics by without comment.

Overall, I find the upside of the Greater Fool blog far greater than any minor downside.

I’m both surprised and sorry to learn that responses and reactions in the comments may be interfering with Garth’s sense of peace. That is poor recompense compared to what he gives, and losing this great blog would be a terrible loss.

#249 Drew on 10.19.18 at 9:30 am

Some people are idiots! They equate smoking marijuana with cooking curry. And growing ganja plants the same as having some potted plants in there place. These same people think the sky and the sea are the same because they’re both blue!

#250 Comments no more on 10.19.18 at 9:35 am

Garth, here is an idea….

I know that you want to give people the opportunity to voice their opinion and you believe in the freedom of speech but since most people don’t know how to be objective and look at life from different perspectives, perhaps you should eliminate the comments section completely.

Why pay of this Website and allow individuals to comment at all on your wise words of wisdom? Perhaps its time people just read the blog for education/leisure purposes and leave their comments (good or bad) in their head.

I personally don’t waste my precious time on the comments section at all, life is too short for that but I do love your sarcasm and insight to the financial side of life.

#251 Evangeline on 10.19.18 at 9:36 am

#244 Jenn on 10.19.18 at 8:52 am “You post things that from time to time, I’m like … no, I don’t agree with that. Either something you say conflicts with my value system and/or I think you’re not seeing the whole picture …”

You’ve just summarized MY own responses very well.
And the funny thing is, you and me could have totally opposite world views, and it would still be true.

#252 Phil on 10.19.18 at 9:54 am

Oy, hi Garth and hi Dorothy,
Never forget that the folks that post comments are most often a very loud, very vocal and very internet-drunk minority – by a longshot. Most of Garth’s readers appreciate the daily article, whether they agree with all of it or not, and move on like good internet citizens who have real lives to lead. Don’t get hung up on the losers with too much time on their hands, and too much testosterone in the keyboard-rattling fingertips!

#253 Evangeline on 10.19.18 at 9:59 am

#247 Grandma Moses on 10.19.18 at 9:20 am
“Washington Post outlines Trudeau’s pot disaster …”

The WaPo is owned by Jeff Bezos, whom I understand is moving a chunk of his Amazon business to Canada. Maybe he is worried about the quality of the employee pool.

The Andrew Scheer ads that I’ve seen lately on youtube have been deadly boring. Maybe he could borrow parts the Wapo article to pep them up a little.

#254 Robin Bennett on 10.19.18 at 10:20 am

Hang in there Garth. I read your blog every day and it never fails to inform and often amuse. By far, the vast majority of your followers profit from your insight.
Haters hate, that’s how they live their lives, and they’re unlikely to change. Ignore them.

#255 Singh (not Jagmeet) on 10.19.18 at 10:31 am

Garth, I have been reading this blog for so long.. since 2009? I can’t remember, but It’s a part of my regular reading, and I enjoy the topics and views. I may not agree with all of them, but for the most part the advice and views are great.

The concept of allowing free speech in the comments is great. But, I stopped reading the comments long ago. Might be useful to incorporate a rating system, which would show the more useful posts at the top, and the trash hidden deep in the threads.

The Financial Advice is amazing. I get more from here then I do from BNN. I manage my own portfolio(s) and I incorporate some of your advise into my retirement portfolio.

After reading your post today, I felt I’d share how valuable this site is to me. I openly recommend the site, and often repeat your advice to others.

Keep up the good work. Your blog does have an impact on the lives of everyday Canadians. It’s a confusing financial (and housing) world out there, and you’re doing a great service to help guide your readers through the Bull shit that exists.

Regard, Long time reader, first time poster.

-Singh (not Jagmeet) :)

#256 Mattl on 10.19.18 at 10:31 am

Agree with the tone of the blog post yesterday, easy to get caught up in back and forth.

Disagree with folks saying to kill the comments section. Having an opportunity to engage with Garth and other commentators is a neat opportunity. Yes some people are nuts, and some never respond to the post at hand, but there is some gold in this comments section. Some very smart people with interesting opinions and it would be a shame to lose that part of the blog.

#257 Smoking Man on 10.19.18 at 10:35 am

Just goes show the power of my amazing writing skills. I Invent a character that draws the likes of James here every day to trash my comedy, what he doesn’t know, smokey is not the only character I invented on here.


#258 Braggo the Big on 10.19.18 at 10:53 am

Your blog is a great source of information and in stark contrast, the comments section is rarely interesting apart from a few useful gems – diamonds in the ruff as it were.

Face it, you are an old Anglo-Saxon male (as am I) and you have a code that was in evidence in that minor set to that took place in 1066 when Bill the Bastard decided to move house. Real estate has always been contentious and has made some people act plain stupid.

This is not to say that this code is exclusive, or that large parts of it are not found in other cultures. There are many honourable people from all parts of the world. What we seem to have lost sight of is some rather simple and basic practices: respect for others, a willingness to be inclusive rather than exclusive in how we consider others, be willing to embrace change, and to listen to others with an open mind. Agree to disagree is one of the most useful ideas to ever come down the pike followed by just getting on with it.

I would not miss this comment section at all given what it has become in the main. Better tools to rate and rank the buttinskies would be useful particularly with a threshold below which the comment disappears. But to be honest, this problem of foul, inconsiderate, and openly hostile commentary is not restricted to your blog alone. In large part, people hang out in a particular place because they are comfortable, they feel a sense of community no matter how insular their thinking. When opinions or views are presented that do not agree with theirs, they get upset.

And the source of that upset cannot really be said to be just what is being discussed (or torn apart). There has to be an underlying sense of frustration, angst, that black well of misery caused by frustration of desire, oft times crippling debt, and a sense of insecurity based on people constantly feeling inadequate when they make comparisons between who and what they are versus what they see around them – the scourge of envy.

#259 Smoking Man on 10.19.18 at 10:57 am

#225 Steve French on 10.19.18 at 4:49 am
Come for the Garth… stay for the Smoking Man freak show!

Frenchy, we use to be buddies, fellow Dudists. I get it, you teach at a university. As you know I for one despise that profession. It charges insane fees to kids, who are served up classes designed by evil globalist who are programming them for self-destruction and a long life debt.

I like teachers that are for #JobsNotMobs not sure any exist anymore

Where are you on this Steve O

#260 Philippe Renoir on 10.19.18 at 10:57 am

Hi Garth.

I read your blog religiously and often refer to it as a smart, well researched source of information (a rare breed nowadays)
I remember when you had a poll to re-format the comment section and understand the trade-offs you considered before choosing to keep the posters identity anonymous and the presentation as a simple “post after post”…

Honestly, that’s when I stopped reading most comments. Too much work/not enough benefits… too “clumsy”, not enough time. I still read you though.

If you choose to use discus (or Facebook or whatever) to make people’s information known, you would likely drop a tremendous amount of posts… so if you are at a level that this isn’t as important anymore, you may want to consider it again.

Building a “poster’s” community (with actual profiles, search capacities and previous posts history – and “likes” and “shares” and the whole kit and caboodle as they say would be my personal preference. But that’s just one opinion – maybe it’s the same as your spouse’s…

#261 IHCTD9 on 10.19.18 at 11:05 am

#248 Evangeline on 10.19.18 at 9:29 am

That said, there are a few things that he posts about that deeply distress me. I just pass those topics by without comment.

You need to get yourself into a place where you cannot be distressed by the ideas of others. Everyone should refine their personal philosophy to the point where they rise above simple mere offense. You should have learned that folks hold widely differing opinions a long, long time ago – and also a reasonable way to deal with them.

Garth is evidently much further down the ‘truth” road than yourself. He allows mucho dissenting opinion, more truth on the GF than just about anywhere else. Mr. T holds his conduct to a rational ideal, not emotional censorship. He’s not down for creating an echo chamber. He does all this knowing exactly what is coming.

“Any person capable of angering you becomes your master; he can anger you only when you permit yourself to be disturbed by him.”

“People are not disturbed by things, but by the views they take of them.”

“It is impossible for a man to learn what he thinks he already knows.”

“If you want to improve, be content to be thought foolish and stupid.”

The above sayings are Epictetus, but all the old Stoic philosophers pretty much came to the same conclusions regarding an intellectually honest, and reasonable engagement with people around you.

Getting “deeply distressed” about what other people think means you have a lot of work to do yet.

#262 Matt T on 10.19.18 at 11:07 am

Garth, I appreciate your blog, as well as the occasional enlightening or useful comment, although I do agree that many people seem to use the comment-section as a bathroom wall, or a pressure-relief valve, and I don’t really know why.

Regarding anonymity: it’s critical, and I don’t really care for arguments to the contrary (despite personally commenting under my actual real name!). We live in a quasi-totalitarian state where the least politically-incorrect phrase can lose a person his job, his home, his life… Don’t say I am exaggerating! Anonymity has been a keystone of political speech in North America since the Federalist Papers, and Ben Franklin’s various humour pieces.

Of course that doesn’t mean folks have a right to comment anonymously on *your* blog…

As for your guess about the source of polarisation and the rise of populism: congratulations, you’ve made essentially the same argument as Mr. Stephen Harper in his recent National Post piece – doesn’t that make you feel warm inside? I respectfully disagree with both of you, in fact; I think that the phenomenon has relatively little to do with economics and much more to do with a pervasive sense of helplessness in the face of profound socio-cultural shifts.

#263 jimbo on 10.19.18 at 11:17 am

Keep up the great work Garth.Meeting you personally in your new digs in Lunenburg this summer was one of he hilites of my maritime vacation.
The level of respect and consideration for our fellow man is certainly declining with each suscessive generation.And I think no where more appartent then social media.
Anyway I enjoy the blog daily…and the dogs.

#264 atrizzy on 10.19.18 at 11:18 am

Garth, don’t let the dumbasses win. Any publicly available news source is bound to have its detractors, and especially in the internet era they’re more than likely to be 30 year old neck-bearded virgins throwing insults at you from their parents’ basement.

They don’t represent the vast majority of us. Don’t let them win.

#265 AD on 10.19.18 at 11:18 am

Keep up the good work Garth. This blog brings me a smile every day.

#266 Brett in Calgary on 10.19.18 at 11:20 am

Once upon a time I was a mild celebrity (rock band) and I received some very nasty emails, drinks in the face… some guy even bit my chest after I stepped off stage once. People are crazy. The green monster is a compliment despite the awfulness of it.

Also, consider that your blog tackles/attacks one of Canada’s favorite topics (i.e. housing) so naturally it provokes emotional responses. I think you’re 100% right about the financial stress in our country, after all Canada’s favorite “investment” is now a pain point for many households. Personally, I don’t feel sorry for them… they can enjoy the bed they made.

#267 David Pylyp on 10.19.18 at 11:29 am

Hey, I get it
Realtor here.
Yes, Toronto Market is slowing.

Interest rates are up, sideline- ing Buyers.
Sellers added the LTT, advanced money to pay bills and all sales expenses to their mortgage application because the market was [forever] going up.

Now we are flat-lining like 1999 – 2005.

Been there; It will be a reduction in price by modest weekly price reductions.

Inventory is short today but will not continue this way.

REALTORS need to ADD value or we will be ZILLOWED!

Don’t listen to the trolls that hide behind the anonymity of a keyboard where no one notices them.

Your blog needs a vote up vote down feature and a mark as spam by the readers.

To your continued success.

David Pylyp

#268 IHCTD9 on 10.19.18 at 11:30 am

I like the whole enchilada here at the GF – Blog posts and comments section. Sage advice delivered by a veteran writer, politician, and money guy – along with a couple of rock star financial guys.

The comments section is informative, entertaining, and instructional. I love hearing from Canadians living elsewhere comparing their ex-pat lives to their ex-Canadian lives. I like hearing from immigrants who came here and compare Canada to their birth country. Young and old, left and right, near and far, rich and poor, sane and insane, all sides of the coin.

I travel the www much less than I used to, but the GF is still a daily pilgrimage.

#269 Classical Liberal Millennial on 10.19.18 at 11:32 am

There should be a way you can have commenters into using their real names by linking to their Facebook or Google profile before posting. Does Turner Investments have an IT guru who could install program into your blog page that would require this? It would be better for everybody.

#270 Wally S on 10.19.18 at 11:34 am

You nailed it again Garth! The dumbing down of the masses has resulted in the absence of respectful debate. Just look at how the PM behaves. One insult after another.

Keep up the good work. Even those that slam you inevitably can’t help but learn something given the fact they’ve taken the time to read the blog.

#271 Bill on 10.19.18 at 11:35 am

It is the unfortunate side effect of social media. Rude and intolerable comments were not allowed in public discourse. The open and unabashed salvo of the mean spirited, on social media, has emboldened our leaders (ahem, US president) to throw insults and slurs and get applause for it. It might be a democracy but I see no reason why opinions can’t be delivered with reasonable decorum. Delete the rest. Compost the digital garbage.

Mutual respect and understanding paves a far better road to tomorrow.

#272 Fish on 10.19.18 at 11:44 am

realestate is all about LOCATION

AND $$$

but times are in deed changing, with accurate ACTUAL
$$$ for Location for All that maybe interested in realestate, Good luck

#273 Steve French on 10.19.18 at 11:49 am

Yo Smoking Man:

Yeah, we used to be blog dawg mates. Until you made fun of those American high school kids trying to put an end to gun violence and mass shootings. Anyone in favour of automatic weapons on the streets of North America is no true friend of mine.

I’ll have a beer with you, as we are both Dudeists. I can appreciate at least some of what the Trumpistas have to say.

But I don’t mind having fr-enemies. It means you are at least standing up for something.

#274 Ryan on 10.19.18 at 11:58 am

Just wanted to chime in with another puckered-up “You the man”, Garth. The internet’s full of Trolls, but if those of us who you help on a daily basis never speak up, I’m sure the deluge of vitriol can take it’s toll.

From someone who has learned more about real estate, economics, and personal finance in the past year+ thanks to you (and made off like a Bandit after selling my 604-apartment and bailing to the Kootenays – again, thanks to you), a sincere thank-you.

#275 Evangeline on 10.19.18 at 12:01 pm

#261 IHCTD9 on 10.19.18 at 11:05 am “Getting “deeply distressed” about what other people think means you have a lot of work to do yet.”

I thought Garth’s blog post today was about he and also his wife being distressed by what is posted in the comments.

I don’t deny for a second that I have “a lot of work to do yet”.

And I bet you have a lot of work to do too — unless you’re claiming perfection.

#276 Adam on 10.19.18 at 12:01 pm

The central issue with comment threads is that it gives equal weight to all opinions, however deranged they may be.

Agree with the others that a Disqus-like service could make for a more positive experience for yourself and your audience.

The real tragedy would be to let the demagogues overwhelm the place, killing your motivation to continue this most-valued work.

#277 DBates on 10.19.18 at 12:04 pm

Love your blog Garth. First time I’ve commented but want to encourage you and state how I look forward to reading your words of wisdom daily. Big thanks!

#278 yvrguy on 10.19.18 at 12:35 pm

been reading this blog for about 2 years now. The comment section can get a bit redic and I scroll by lots of garbage comments. something like facebook login or discuss would be beneficial in my opinion.

that being said, because of the financial literacy I’ve learned from this blog, 10 months ago I fired my financial advisor at TD, sold my crappy mutual funds, opened a Questrade account, transferred everything over and have been managing my own ETF investment portfolio hands on ever since. albeit a bit more aggressively positioned than 60/40, but I still respect balance in life and investing :)

thanks Garth for all that you do!

#279 IHCTD9 on 10.19.18 at 12:39 pm

#262 Matt T on 10.19.18 at 11:07 am

As for your guess about the source of polarisation and the rise of populism: congratulations, you’ve made essentially the same argument as Mr. Stephen Harper in his recent National Post piece – doesn’t that make you feel warm inside? I respectfully disagree with both of you, in fact; I think that the phenomenon has relatively little to do with economics and much more to do with a pervasive sense of helplessness in the face of profound socio-cultural shifts.

Or – the PERCEPTION of helplessness in the face of profound socio-cultural shifts.

I posted a link to a TED talk a while back where Steven Pinker asked if things are getting better or worse in the world. He crunched the numbers and compared the now to the then. Things are better today – no question about it.

I tend to think that Doomerism is exceedingly pervasive in the MSM and social media. Take that 24/7/365 drum beat and combine it with the masses who mostly can’t think reasonably or logically, and you get a pile of folks who are scared $hitless of their own shadow.

Take Pinkers book “Enlightenment Now: The Case for Reason, Science, Humanism, and Progress”. Combine it with Joseph Tainter’s “The Collapse of Complex Societies” and you’ll have some assertions on both sides of the spectrum that are very hard to argue against. IMHO, both these guys are right, you can contemplate our fate with the opinions in these two books, and not be wasting your time.

#280 The Real Mark on 10.19.18 at 12:42 pm

Wow look at the most recently related CPI numbers:

-0.4% change, ie: deflation.

So much for the nonsense that higher BoC policy interest rates would be needed to suppress inflation. A view that I vehemently disagreed with here because the deflationary forces were strengthening due to the collapse of RE prices.

#281 Blacksheep on 10.19.18 at 12:49 pm


Me, myself and I, thank you for the bump!

#282 jess on 10.19.18 at 12:49 pm

pupa wrote: “Light is brighter when surrounded by darkness.”
although, gre(a)y is the colour “without colour.” does the difference in a letter matter … an accepted variant.

The only “rogue” i know is DTrump . as in the elephant in the room.

Rogue has functioned as a noun since the 15th century, and a verb (not very commonly used) since the 18th. The adjective use is the newest of them all, dating from the first half of the 19th century. In this part of speech it was initially applied to elephants and is still defined with the sense “resembling or suggesting a rogue elephant especially in being isolated, aberrant, dangerous, or uncontrollable.” The etymology of the word is unknown.

A rogue elephant is either a large male, who has been driven from the herd, after losing a contest for the mastery of the whole; or a female, wandering from it in quest of her calf.
— The Guardian (London, Eng.), 18 Apr. 1835

#283 SHarding on 10.19.18 at 1:00 pm

I’m glad you have Dorothy. I’ve always enjoyed reading your blogs and hope to continue to do so. I agree with her about the gutless thugs. Hopefully, your comments today will encourage some to become a little more constructive….and others to go somewhere else.

#284 Eric on 10.19.18 at 1:00 pm

Garth, 2nd post here. Why not change your blog to a pay for subscription? So long as its done at a reasonable rate ($1 month, $10 year) I, as I’m sure many others that visit your blog, would sign up. Weed out the trolls, make some coin while doing so, and continue providing sound financial advice to those who are here to listen to what you have to say.

#285 jess on 10.19.18 at 1:08 pm

free speech than one must fight to protect it
At least 43 journalists have been killed in relation to their work so far in 2018. These are just a few of the reporters the world lost this year. #HFPATruth #PressFreedom

— Committee to Protect Journalists (@pressfreedom) October 11, 2018

“Political tactics to silence the press have included takeovers of public media, the purchase of other media outlets by cronies, limiting journalists’ access to information, lawsuits and starving news outlets of revenue by dropping government subscriptions and advertising.”

#286 [email protected] on 10.19.18 at 1:09 pm

Mr. Turner, thx for the blog. I look forward and enjoy reading it whilst I’m suppose to being working.

Keep up the good work, if you choose.

#287 Steven Rowlandson on 10.19.18 at 1:10 pm

I tend to speak out against crime ,perversion and BS and for that I got banned from Radio Aryan because I called them out on this ridiculous theory of theirs that white Europeans are Hebrews. I also criticize the ridiculous idea that the western world is run by Nazis. Garth did you ever meet any real Nazis in government or the financial world? Didn’t think so. Remember the greatest quality of manhood must be truth. When a man lies he murders some part of the world. Unfortunately liars are more popular than truth tellers in this world.

#288 IHCTD9 on 10.19.18 at 1:14 pm

#275 Evangeline on 10.19.18 at 12:01 pm

#261 IHCTD9 on 10.19.18 at 11:05 am

“Getting “deeply distressed” about what other people think means you have a lot of work to do yet.”

I thought Garth’s blog post today was about he and also his wife being distressed by what is posted in the comments.

I don’t deny for a second that I have “a lot of work to do yet”.

And I bet you have a lot of work to do too — unless you’re claiming perfection.


I don’t claim perfection. I do claim being unmoved by the opinions and words of others. In fact – I like to hear them.

My suggestion was in response to your words, not Garth’s.

There was a time I did get “deeply distressed” by the actions and words of others – I’m glad I took control back. You will be too.

#289 New Brunswick Moose on 10.19.18 at 1:15 pm

Long-time reader, first-time commenter: I still don’t understand anyone who gets on here to complain. This is Garth’s blog. We don’t have to agree; in fact, we don’t even have to read it. I don’t always agree either, but I usually do and I certainly pick up a lot of great advice which is why I keep reading every day. (I do wish there was more investment/finance advice and less talk of real estate, but maybe that’s just because real estate is a non-starter here out East where everyone owns a detached home because a $400,000 house is virtually a mansion and would be worth close to 10x that in downtown Toronto or Vancouver). I guess there really are too many people with too much time on their hands out there. Here’s my advice: if this blog pi$$es you off that much, you might want to stick to the comment section on the Toronto Star’s website.

#290 Richard on 10.19.18 at 1:20 pm

Turn the comments off Garth. Don’t waste your time.

#291 jess on 10.19.18 at 1:21 pm

economic stress or economic cheats

Cumex Files: European Taxpayers Cheated out of €55 Billion

Print article
Published: Friday, 19 October 2018 17:35
Written by Jelter Meers


European financial elite lifted 55 billion euros, about US$63 billion, out of state coffers by receiving tax reimbursements for tax that had never been paid, a new crossborder investigation exposed Thursday.

Credit: Ahmed Jadallah/ ReutersCredit: Ahmed Jadallah/ ReutersThrough undercover reporting, whistleblowers, masked sources and a trove of 180,000 documents from 2011-2016, reporters from Germany, Italy, France, the Netherlands, Belgium and Denmark uncovered what they said was “the biggest tax swindle in the history of Europe.”

The schemes are comprised of two mechanisms: one where traders try to collect tax reimbursements for non-existing tax payments and another where they are reimbursed twice for the same taxes.

German media discovered the complex share scheme in 2017 and gave it the latin name ‘cum-ex.’

#292 RC on 10.19.18 at 1:21 pm

Hi Garth,

Please remember it is the majority that do not comment. I am one of those. I really enjoy your blog. You have a great business insight and wit that make for a great daily read!

I know it only takes a few bad apples to ruin things but please know the silent majority are your biggest fans!

Keep up the great work!

#293 IHCTD9 on 10.19.18 at 1:25 pm

#276 Adam on 10.19.18 at 12:01 pm

The central issue with comment threads is that it gives equal weight to all opinions, however deranged they may be.


It’s just a board with words on it. Weight to opinion is granted by the readers.

#294 ac on 10.19.18 at 1:35 pm

I don’t usually post since I see no reason to. However, I have to say that I read this blog religiously and appreciate all the work. Comments are sometimes interesting, but if you disable them I won’t care and I doubt most readers would care. To make it easier maybe adding some user flagging would help or bring in some trusted help to aid moderation. It’s not scalable or fair for you to have to do all this work yourself.

#295 Smoking Man is a Joke on 10.19.18 at 1:37 pm

#259 Smoking Man

“Frenchy, we use to be buddies, fellow Dudists. I get it, you teach at a university. As you know I for one despise that profession. It charges insane fees to kids, who are served up classes designed by evil globalist who are programming them for self-destruction and a long life debt.”

You are a joke Smokey. You praise the good ol US of A and put down Canada and then turn around and say universities charge insane fees. Well take a look at university fees in the good ol US of A and you will see they are multiple times more expensive than Canadian rates. Or compare them to countries like Germany where there is free university. Stick to drinking yourself to death Smokey because you sound like the drunk you are when you post.

#296 Gravy Train on 10.19.18 at 1:42 pm

[…] The rise of populism and the fiery, autocratic leaders who espouse it has certainly made some sentiments not only commonplace, but acceptable. So daily I remove comments that are openly anti-immigrant, racist, ageist, or denigrate others for what they believe.[…]
– Garth

“[…] Dare we admit that our thoughts and behaviors spring from a belief that the world revolves around us?
[…] Part the curtains of society’s racial, ethnic, religious, national, and cultural conflicts, and you find the human ego turning the knobs and pulling the levers.

“Now imagine a world in which everyone, but especially people with power and influence, holds an expanded view of our place in the cosmos. With that perspective, our problems would shrink—or never arise at all—and we could celebrate our earthly differences while shunning the behavior of our predecessors who slaughtered one another because of them [italics added].[…]

“The cosmic perspective opens our minds to extraordinary ideas but does not leave them so open that our brains spill out, making us susceptible to believing anything we’re told.

“The cosmic perspective opens our eyes to the universe, not as a benevolent cradle designed to nurture life but as a cold, lonely, hazardous place, forcing us to reassess the value of all humans to one another[italics added].[…]

“The cosmic perspective enables us to see beyond our circumstances, allowing us to transcend the primal search for food, shelter, and a mate.[…]

“The cosmic perspective not only embraces our genetic kinship with all life on Earth but also values our chemical kinship with any yet-to-be discovered life in the universe, as well as our atomic kinship with the universe itself.”
– Neil deGrasse Tyson*

*Astrophysics for People in a Hurry (New York: W.W. Norton & Company, 2017), 196-207.

#297 Marco on 10.19.18 at 1:47 pm

Well, everything is about money. If you do some deals here, then you are ahead. Egotism is cheap.

#298 Canadian Moose on 10.19.18 at 2:10 pm

The last word.

Garth’s daily summaries are excellent, good reading and a style all his own in this world of internet crap.

As for the cowards behind the screen, losers, narcissists and the usual suspects who have no respect for the process of this commentary. Simple. delete them forever. No more chances. AND don’t let the door hit them on the way out.

You Garth are in charge of this website and blog and don’t ever forget that.

Cheers Garth for all you hard work.

Thoughts from the gun toting Hinterland

#299 Marco on 10.19.18 at 2:13 pm

This outpouring of love and compassion is disgusting in the country where people sleep on the streets an die in dirty alleys because life is so good and positive in this. No comment means just another form of shameless cheerleading Canadian journalism so in love with fancy socks and British monarchy.

#300 Jenn2 on 10.19.18 at 2:21 pm

A possible explanation for the more openly hostile discourse occurring everywhere.

“…this steady capitalist erosion of the common good has normalized becoming brutish, nasty, and indecent. America is a place of everyday obscenity now…”

“…everyday, calls for genuine brutality ring out a little more loudly, as victimization fantasies,…”

#301 Rosie D on 10.19.18 at 2:29 pm

Just close the comments section!
Thanks for your work, I am a big fan

#302 tsharpoon on 10.19.18 at 2:39 pm


Well said, especially your last paragraph. You are right on target – check out Chris Hedges:

#303 jess on 10.19.18 at 2:44 pm

“‘black’ dividends”

tax-driven transactions known as “Cum-Ex”
santander joins the list of banks

#304 RL on 10.19.18 at 2:44 pm

It’s a great blog Garth. The problem of having to wade through crap to pull out a few gems clearly isn’t just unique to this blog. Anonymous commenting seems to bring out the worst in people. Or maybe it’s the internet in general – the feeling of being at a distance from others and unaccountable. Maybe get rid of the anonymity?

#305 Stan Brooks on 10.19.18 at 2:56 pm

#280 The Real Mark on 10.19.18 at 12:42 pm
Wow look at the most recently related CPI numbers:

-0.4% change, ie: deflation.

So much for the nonsense that higher BoC policy interest rates would be needed to suppress inflation. A view that I vehemently disagreed with here because the deflationary forces were strengthening due to the collapse of RE prices

Deflation only exists in your brain and in the brains of the statisticians.

Rents have increased by 10-15 % yearly in the last 2 years in GTA.

As I stated, we will be consuming less but more expensive items.

#306 Overheardyou on 10.19.18 at 3:02 pm

Thank you Mr. Garth for your continuation to bring facts, transparency, and your wisdom to those of us who never got the memo. You’re like the Finance 101 course I never took but should’ve :)

#307 I'm A Believer on 10.19.18 at 3:08 pm

Garth, I’ve been reading your blog daily for years. It’s been very informative and useful. However, the new face of the public isn’t so pretty. Being in retail I’ve seen the change. The more you try to help, the more you get burned.
Knowledge and experience are not valued now.
Quality of life is the issue.
If this blog brings you grief, shut it down. Enjoy your life.

#308 jess on 10.19.18 at 3:11 pm

scripts : = the rogue ‘s

The bank “doesn’t tolerate behavior” that fails to comply with the rules and laws in the market where it operates, he said, adding “if our investigations do identify misconduct, we will take appropriate action.”

#309 Terry Cully on 10.19.18 at 3:34 pm

Enjoy your blog. Read it regularly. Never look at the comments. Today for the fist time I thought I would try and support you, as you have enlightened and reaffirmed my thinking. I look at this way, the quantity of comments is a measure of your reach, which is impressive. The quality of comments is wide ranging and to be expected with a wide reach. So from a media perspective you are quite successful. And like a lot of owned media, content is king, and you are a king. Maybe charge a subscription fee and the rabble, I’m guessing, would move on. Cheers.

#310 jess on 10.19.18 at 3:35 pm

wasn’t walkerton going to pay 20k to scape the bad news off google related to the ecoli deaths since this is bad for business….

this guy tried something else:

TheFruitarian elite runner
28,215 subscribers
Incredible Success For Vegan Athlete In 100-Mile ‘Hurt Race’

but silencing your critics by forging a judges signature to get them removed off google

Friday, October 19, 2018 … Southern District of New York, announced that MICHAEL ARNSTEIN was sentenced today to nine months in prison for conspiring to …

Google has just announced that users can say, “Tell me something good” to Google Assistant in order to get a raft of the day’s good news. Google said that it won’t be including things such as “unlikely animal friendships or random acts of kindness” but rather news about people making progress on real issues. The firm believes this is key to a balanced media diet.

#311 Fish on 10.19.18 at 3:44 pm

How a shift in Ottawa’s bookkeeping is going to make the deficit loom larger

The change will make the federal government’s estimate of future pension costs more accurate

Karina Roman · CBC News · Posted: Oct 19, 2018 4:00 AM ET | Last Updated: 10 hours ago

#312 Mark on 10.19.18 at 3:45 pm

There is no cure for stupid.

#313 Christopher Mewhort, EA on 10.19.18 at 3:50 pm

Why would anybody seriously consider the opinions or comments from anyone who will not use their real name?

Christopher Mewhort, EA

#314 Bytor the Snow Dog on 10.19.18 at 4:10 pm

I think IHCTD9 has it right. It baffles me to no end that people get so upset about a bunch of electrons formed into words on a computer screen. Yet we have a vocal minority calling out to make the entire internet a politically correct safe space.

Sorry folks, life isn’t always about being nice to the nice. Sometimes people disagree and it gets heated. Sometimes people disagree and it gets outright violent. That’s life.

That said, the opinions of others typed on a computer screen can harm no one. If those words get you all verklempt then I would suggest you have to look at yourself and examine why this is so. Ans while doing so you can make use of a tool at your disposal…. the scroll wheel.

I thank you Garth for having the intestinal fortitude and courage to keep the comments section as open as you do.

#315 Lexi on 10.19.18 at 9:20 pm

A blog without a Comments section is naught but an echo chamber.

#316 Pelican on 10.19.18 at 10:46 pm

Garth, I love your blog and the comments that follow. I’ve been reading for years and it’s much more civilized here than even the comments on cbc. However, if you have to personally edit all these comments 24/7 then I would say that you deserve a sabbatical. If only for a few weeks a year. I really enjoy the diverse opinions that are expressed here and wish I had the knowledge to participate but I’m content to absorb what is available on this blog. Your health and the needs of your family are the most important factor. Thumbs down by your readers could eliminate a lot of the trolls and put them out of business. Cheers and thank you for all you do to inform us.

#317 Steven Rowlandson on 10.20.18 at 2:54 pm

“Why would anybody seriously consider the opinions or comments from anyone who will not use their real name?”

Have you ever herd of the term , Nom de Guerre? The communist revolutionaries were famous for using them.
Examples would include Lenin, Trotski, Stalin, Zinoviev ect. These Russian sounding names were adopted to disguise the true identity of these people. They were of course Jews and Freemasons. The need for the subterfuge should be obvious. On the internet the need for anonymity is also obvious. The right might like to boast about owning the net but the real owners are the left and the globalist oligarchs and they do have the power to persecute, prosecute and get people fired for their views not to mention ban them from chat rooms.
Many of the leftist internet attack dogs known as trolls have fictitious internet names… Then there are regular people who just don’t wish to get persecuted off line.
Free speech is not free of risk. Remember big brother is watching you.

#318 Linda on 10.21.18 at 7:45 pm

Henny Penny: there are 2 ‘Linda’ commenters – not the same Linda. So the comments you see may not be the comments of the Linda whose post you commented on.