Outta here

These last eight months have brought a housing revolution. Who ever imagined a virus would ignite a rush into sleepy London, pedestrian Halifax or boring Kelowna? But it’s real. Stunning, in fact. Sales in those places are up dramatically and prices have increased by at least a third.

We’re not alone. The same pattern has emerged in the US. Almost identical. Here’s an interesting comment from the head realtor in the Republic of Trump:

“The hottest housing markets in the new landscape are cities which offer desirable amenities—larger homes, leafy neighborhoods, access to the outdoors, walkability and proximity to grocery stores—in a more affordable package. Home buyers still want to be within commuting distance of large employment centers, but with the prevalence of remote work, they are willing to extend the distance from urban downtowns.”

Indeed. Ditto north of the border. Niagara. Kamloops. Moncton. Barrie. Squamish.

At the same time, a malaise has hit urbanity. A new report from BMO days ago – “Big City Blues” – spelled that out. The highest unemployment rate in the nation (of 33 centres) is Toronto at a withering 13%. Vancouver and Montreal sit around 11%. These are awful numbers, and at the same time real estate in the GTA and YVR is essentially unaffordable to 90% of the people living there.

Big-city house prices keep going up, but some see disturbing signs of weakness. Condo sales have started to backslide. Rents have plunged 15% in Toronto in just a few months. Inventory is starting to edge higher. In Vancouver detached prices are forecast to shed at least two hundred thousand on average. And meanwhile the suburbs sizzle – average prices have topped a million in Mississauga, where Costco is a cultural destination.

Big cities have taken a big hit, as hotels, tourism, concerts and pro sports are killed by Covid. Layer over that the WFN phenomenon. Many people think the soaring office towers in the core will stay empty, that commuting’s no longer a thing, and society will achieve that elusive work-life balance, which means you can now go for days without your pants.

Small cities have benefited the most, where the quality of life is high, streets seem safe, lockdowns are less likely, wildlife scampers through your garden and houses actually affordable. Once untethered from the need to be in a downtown workplace, enough people are flocking to Hamilton or Vernon to inflate values and stun the locals.

Of course, it’s not all Covid. Mortgages at 2% or less have inflated real estate everywhere. Worries over the US political situation have scared some people away from financial markets. GICs and savings accounts paying dirt have convinced some savers to shift into real estate, where gains appear endless. And above all, there’s stress. The pandemic is the most unsettling, consequential, disruptive and victimizing reality of our entire lives. It’s led to an emotional need for security. Nesting. A retreat into a cocoon we can control, in a world out of control.

Now, can it last? Are these wise decisions?

Sure, it makes sense for old, retired farts on fixed incomes to bail out and head for Hicksville. But what about the moisters with sprouting families, serious financial obligations and in the middle of growing careers?

That’s the gamble. And, yup, it’s a risk.

Remember GreaterFool Rule 12: before you buy any real estate, figure out how to sell it. A slow, sleepy, cheap market that just woke up because of a once-a-century event might not be the best choice. What happens when the pandemic ends? When the best jobs migrate back to the city? When you must sell but the boom’s long gone?

Meanwhile, could the virus do to housing in January and February what it did in March and April? If this cold-weather, second-wave gains traction things might look dire once again. Maybe it’s already started. On Friday Ontario’s realtors started banning open houses.

The province slid back into Stage 2 restrictions a few days ago, following the lead of Quebec. People are being asked to stay home, and agents instructed to stop showing listings, especially in condo buildings. “We are calling for our members to do the right thing,” says the head of the provincial real estate association.

If you think anything happening now is normal, you may be jolted by what’s to come.  Caution.

135 comments ↓

#1 Flop... on 10.12.20 at 1:02 pm

Put this up yesterday, no one critiqued the place or the price in a secondary city.

I just took a drugs test…..and passed.

I definitely peaked too early…

M46BC

#73 Flop… on 10.11.20 at 8:05 pm
I don’t ever see myself buying real estate in Canada, but sometimes think about buying in a country I am not eligible to live in all year round.

The United States.

Not too sure where that thinking comes from?

Been probably over 25 years since I last purchased some real estate, so I could make some mistakes.

My last trip was to Corpus Christi, Texas.

After doing the downtown thing and walking along the Bayfront we decided to cut through a neighborhood on the way to a supermarket.

Cute little houses that in my neighborhood in Vancouver would probably fetch 1.5 million CAD can be had for less than 200k U.S

I looked on Zillow at some of the sales the happened around 2008 during the GFC, and there was some tasty discounts going on.

This place on the link has had a decent run-up but just hit the market for 175k.

5 blocks to the bay, couple of blocks to the supermarket and amenities.

I would like to find something for around 100k.

This place is 94 bucks a square foot, that is not a number I’m familiar with real estate wise, unless it’s a construction estimate…

M46BC

https://www.zillow.com/homedetails/4230-Estate-Dr-Corpus-Christi-TX-78412/28780050_zpid/

#2 bob on 10.12.20 at 1:05 pm

What you wanted?

re: when the economy shut down, you were against it (or at least, against not having debate and discussion about it). You said do nothing was never an option, but complete lockdown was over-reaction.

I’m curious… how do you feel now? Do you believe Ontario and Quebec governments are doing the right thing? Do more or do less (shutdowns)?

I was a bit naive before… thinking if we all hunkered down for about 3 weeks, it would be mostly all over and very controllable with low numbers.

What I’ve learned is there are far too many people who don’t care, too many anti-maskers anti-vaxxers and everyone who didn’t do their share, has made life miserable for everyone else (not the other way around).

Are you in the camp of Trump, don’t fear covid-19? If you get it, you get it, if you die, you die, but life goes on for the other 99%? (or rather, the other 90%, since 10% require hospitalization… and if we overrun the healthcare system, there won’t be space in the hospital for you).

#3 Lake Lover on 10.12.20 at 1:05 pm

So, we did what Garth has been suggesting about housing, and here we are. We have been considering selling our big home north of Toronto for a few years due to aging and financial pressures, and this year our son and his family moved to the area and purchased our house. Our plan was to downsize in the same area, or as Garth suggested maybe rent for a while and see where things went. However a couple of things happened we did not expect. Instead of dropping, prices have sky rocketed to buy anything, and people have decided not to sell since they would have to pay inflated prices to move. Secondly, lots of people want to rent now in our area, so there are VERY few rentals available and those that come up are extremely high in price. So here we are – living in what used to be our house with our son and family, and cannot find a place to buy that is reasonably priced compared to what we sold at.
This blog has suggested all along – wait and the bubble will burst. I sincerely hope that happens soon as it shows no sign of occurring right now.
Any ideas? And Garth, before I sound like I am dissing your advice, I have been a fan for so many years – even to the point I canvassed for you back in your political days. Still wish you had stayed there. You were and are so much better than most of the bozos we have now.

#4 Yukon Elvis on 10.12.20 at 1:05 pm

Sure, it makes sense for old, retired farts on fixed incomes to bail out and head for Hicksville.
…………………….

I am one of those old retired farts. One thing to keep in mind when you bail out and head to Hicksville is healthcare. How close are you to it and is there a hospital within an hour or so ?I survived two heart attacks and luckily was in surgery within an hour of onset since I have a hospital nearby. I may not have survived if I was in Hicksville. Something to think about if you are an Old Retired Fart.

#5 Doug t on 10.12.20 at 1:05 pm

Red pill or blue pill – the world has become an episode of Black Mirror –

RATM

#6 TurnerNation on 10.12.20 at 1:13 pm

On Bandit’s IG feed, the big guy’s pooped from maybe three days’ partying.
https://www.instagram.com/p/CGNVaDXnNoc/

At first when I saw the presents wrapped in pink then light blue I wondered was it a gender reveal party. Which one did ze open first? ;-)

————-

About the Globalists controlling our movements; feeding; and breeding – as cattle.
– Travel: Borders are closed, the new virtual Berlin Wall or electric fence is up. Secrative No-fly/no mask lists persist. Our leaders love walls, always talking about them in USA and middle east.
– Breeding: Years of Hollyweird programming and bending Endocrine disrupting chemicals were poured into our environment. Now by edict people are banned from assembling even; scared from relating. Thinning the herd.
– Feeding: And now, their plan to take over/reset the food supply. Reason? CV. Why else you think this is happening? For our health Comrade?

https://www.rockefellerfoundation.org/report/reset-the-table-meeting-the-moment-to-transform-the-u-s-food-system/
Reset the Table: Meeting the Moment to Transform the U.S. Food System
In many ways, Covid-19 has boiled over long-simmering problems plaguing America’s food system. What began as a public health crisis fueled an economic crisis, leaving 33 percent of families unable to afford the amount or quality of food they want

#7 DON on 10.12.20 at 1:16 pm

I have the same feeling…the negatives vastly out weigh the positives as fools rush in. Big debt is one hell of an anchor when times get bad. If the global economy was healthy prior to the virus…I would expect a good recovery, but it wasn’t.

There are no fundamentals supporting any of this buying spree other than emotions. Some how, some way, people went back to normal after the Spanish flu.

Making major purchases in a time when even the experts have few good words is RISK. A boomerang in so many ways. As we enter the winter slowdown with no vaccine.

On a much happier note.

Happy Thanksgiving blog dogs.

Thank you Garth and Dorothy for this iconic blog and the good it does for so many on a daily basis.

#8 Yukon Elvis on 10.12.20 at 1:21 pm

These last eight months have brought a housing revolution. Who ever imagined a virus would ignite a rush into sleepy London, pedestrian Halifax or boring Kelowna? But it’s real. Stunning, in fact. Sales in those places are up dramatically and prices have increased by at least a third.
………………………..
I know a house in Kelowna……..bought new for 450k five years ago. Sold this month for 860k. Purchased by an early thirties “self employed” young guy. Not enough down payment so topped up by parents and mortgage co-signed by parents. Has a house mate and a renter down stairs. Never a better time to borrow, never a worse time to save than now.

#9 TurnerNation on 10.12.20 at 1:24 pm

In Toronto Recently protests against the lockdown.
RIP Capitalism in favour of a State-led Technocracy?

https://www.youtube.com/channel/UCFnm7oQPDYhXA-JnXmCszdQ/videos

…..
Don’t say you were not warned:

“Trudeau under fire for expressing admiration for China’s ‘basic …www.ctvnews.ca › politics › trudeau-under-fire-for-expre…
Nov 8, 2013 — The Liberal leader said: “There’s a level of admiration I actually have for China because their basic dictatorship is allowing them to actually turn …”

#10 Jake on 10.12.20 at 1:27 pm

GF rule #12… best advice against recency bias!

I don’t agree with Ford shuttering ALL indoor dining. Bars I can understand where people are socializing and drinking in close proximity

How can crowded schools with germy kids who have to demask to eat their lunches be safer than restaurants. I understand he wants to avoid forcing employees to stop working to babysit their kids. Some of the restos I visit are small local family run places that have taken the precautions to socially distance patrons. Take-out just doesn’t work for many of them against the big chains. Why didn’t they tighten/revise the restrictions further instead of carpet bombing the whole industry.

#11 Forget About It on 10.12.20 at 1:28 pm

Use the market to your advantage. There are rentals in nice areas available for far less than you would have to pay to buy into them. Be smart & rent. Invest the savings.

#12 Basil Exposition on 10.12.20 at 1:29 pm

“Where Costco is a cultural destination.” Priceless! Thanks Garth.
An interesting take on a best case scenario for a return to normal by American Geopolitical analyst Peter Zeihan.

https://youtu.be/jxKCFxt9JfE

#13 TurnerNation on 10.12.20 at 1:47 pm

Learn how the game is played lads.
In keeping with the present Technocracy.

An AIR B&B IPO is right around the corner. And the banker mob says:
‘That’s some reeeel nice traditional hotels you got there. ‘Would be a shame if something were to happen to them’

“CMBS Foreclosures Start Rising As Hotel Defaults Break 50% In Some Cities. The market for commercial mortgage-backed securities, particularly hotels and retail, continues to worsen with no sign of an imminent turnaround. … In September, nearly $4B in CMBS loans were in foreclosure, coming from 278 properties.6 days ago
CMBS Foreclosures Start Rising As Hotel Defaults … – Bisnow”

———-
I’ll say it again this current one WW3 is the greatest asset transfer game since The GFC.
“The Crown Bankers using the Crown Virus to take back Crown Land”.

#14 Rainman on 10.12.20 at 1:49 pm

Agreed Garth. Yes you must think about being able to sell at some point. You need to hit the bedroom communities like Squamish or where people like to retire like Kelowna, which is not so boring really?
Rossland or Oliver… OK – maybe not a bright financial plan although very nice places.
Another interesting tidbit is the central bank has opened the door on negative interest rates in the future. Maybe just a sliver, but they did…

#15 Piet on 10.12.20 at 1:58 pm

Since the snowbirds are unable to travel south for the winter, many of them have chosen to spend the winter on Vancouver Island. Apparently the RV parks are full. Nice boost for the local economy.

https://www.timescolonist.com/news/local/snowbirds-unable-to-go-south-flock-to-vancouver-island-1.24217193

https://www.cheknews.ca/snowbirds-flocking-to-vancouver-island-because-of-border-closure-707505/

#16 crowdedelevatorfartz on 10.12.20 at 2:01 pm

@#3 Lake Lover
” So here we are – living in what used to be our house with our son and family, and cannot find a place to buy that is reasonably priced compared to what we sold at.”

++++
Where is it written in stone you “must buy”.
Invest and wait 12 months for God’s sake.

A coworker just “sold” his strata for double what he paid 20 years ago.
He will walk away with about $350 after paying off fees and the remainder of the mortgage.
He immediately put an offer on a trailer in a park.
After all is said and done he will have a 30 year old trailer, no mortgage, 125k in the bank and……zero pension…..he turns 66 today( obese, smokes 2 packs a day, drinks heavily) ….. started drawing his (reduced) CPP at 60 , gets OAS since last year….and must continue to work….
I had suggested investing the 350k after the sale and completely retiring ( I’ll be amazed if he lasts 5 years).
Live off the savings.
“Nope. Gonna buy a trailer.”

#17 crowdedelevatorfartz on 10.12.20 at 2:10 pm

@#113 Barb
“And there should have been years-ago legislation to protect employees’ wages when corporate bankruptcies occur. If employees are ever listed as Creditors in such events, they should be at the top of the list. But aren’t.”

++++

Yep.
#1 on the Creditors list is Revenue Canada.
All others must stand in line

#18 yvr_lurker on 10.12.20 at 2:15 pm

Kelowna boring? It depends on what you are looking for. We don’t all feel the need to live in a big city where has scores of over-priced restaurants within a mile of your house. Our exit when the time comes will be either Sechelt, the north Sunshine coast (pender harbour) or one of the Gulf islands. Away from the crowds, but still on the grid, able to grow some organic food, but most importantly scores of outside activities in nature for humans or dogs. Simple yes, but not boring to us.

#19 Reality is stark on 10.12.20 at 2:16 pm

Those issues are mild.
Now for the real problems.
Social engineering by the left has made society worse off.
Men are not marrying and deciding to not have children.
In the normal order women had power early and men had it later. Family court is now structured so that women keep their early power and the courts allow them to have the balance of power later as well.
As a result men won’t sign the contract. There is now nothing in it for them.
The only reason they would sign previously was that it took two incomes to purchase a condo. Now that condos are falling in price there is less reason to sign. Without a partner they also have no coercion to make a bad decision to purchase an overpriced suburban detached home which would ultimately destroy their life as succinctly stated here in this blog.
We end up with a plethora of unhappy middle aged women on Prozac.
Birth rate continues to plunge so the floodgates of immigration will open when Covid ends. A year from now a Condo may not be such a bad purchase if they fall another 30%.
Trump may be a buffoon but I guarantee you the alternative will make things worse.
Be careful what you wish for. Voting for higher levels of depression, anxiety and ultimately suicide doesn’t make you a better person.

#20 DDR Grenztruppen on 10.12.20 at 2:24 pm

This pandemic will end. I’m guessing on another I8 months. The interesting fact about the 1918 flu is it struck last in the rural areas of Canada.

#21 EnnDeePea on 10.12.20 at 2:26 pm

Ya, and a Happy Thanksgiving to you Garth.

#22 Billy Buoy on 10.12.20 at 2:40 pm

#1. Flop

Love Texas…great food with Mexican influence and the music is wonderful….check out Robert Earl Keen’s “Corpus Christi Bay.” for reference.

A little too much crime for my tastes though…wait til they separate from the USA, form their own country which Texas essentially is, then head down.

Where Cowboy boots are really meant to be worn instead of being a pretender wearing them any place else except on a farm.

#23 FreeBird on 10.12.20 at 2:43 pm

Canadian Thanksgiving is older then American?

https://www.canadashistory.ca/explore/arts-culture-society/the-history-of-thanksgiving-in-canada

#24 Apocalypse2020 on 10.12.20 at 2:49 pm

“If you think anything happening now is normal, you may be jolted by what’s to come. Caution.”

True.

And far more wildcards will be coming down the pike in just weeks from now.

PREPARE

#25 Mehdi on 10.12.20 at 2:56 pm

“Remember GreaterFool Rule 12″… can you send a link to or list the other rules please?

#26 Ace Goodheart on 10.12.20 at 3:02 pm

WFN? Is that “work from nowhere”?

Looks like the premier of one of the sleepy eastern bubble Provinces just kicked some native kids out of their high school. Drew a line in the dirt. Texan style. This here is our dirt. That there is yours. Don’t y’all go crossin’ that line now, y’hear?

In Canada, that is the equivalent of starting a war.

But, you say, it’s COVID times, anything goes.

Last year we got railway blockages because BC decided to side with the natives, against the natives, who had decided to disagree with themselves over a pipeline that they were mostly building (native contractors) and that they more than anyone else, stood to gain from.

That is nowhere near as serious as kicking a bunch of native tweens out of their high school. I mean, what if one of them has a girlfriend?

If you go on house sigma right now you notice something a little scary about Toronto. Most houses that sold in Aug and Sept are now market valued at less than their sale price.

And you notice something else.

Many Toronto homes listed for sale right now indicate they have already been sold, often more than once, over the summer of 2020.

Ontario has just proved the WHO to be accurate. We are now in a cycle of lock downs.

People here now watch the virus numbers each day with fear. We are not afraid of the virus so much as the lock downs.

Numbers go down, we get our “privileges” back. Like being able to see friends in person, and leave our houses.

Numbers go up? Lock down!

It gives you PTSD.

Meanwhile our hospitals continue to be mostly empty. I don’t know where all the thousands of new COVID cases are going, but they aren’t going to the doctor.

How can all these people manage to get tested for COVID (hard to do now in Ontario with its testing appointment system) but then not manage to get to a hospital?

Where are they all going?

At any rate, a hard winter awaits.

#27 justdeleteitifyoudontlikeit on 10.12.20 at 3:08 pm

#1 Flop… “This place is 94 bucks a square foot, that is not a number I’m familiar with real estate wise, unless it’s a construction estimate…”

It’s amazing what you can find for sale in the US, real estate wise. They don’t suffer from a national delusion, currently.

Look at this:
https://www.latimes.com/business/real-estate/story/2020-10-08/raw-land-for-50-000-in-l-a-county

Land for less than 10% of the value of the finished house? Unpossible!

#28 SomeDude on 10.12.20 at 3:19 pm

Is there any evidence that cloth masks made from porous fibres protects against a microscopic virus from being transmitted? I’d like to see the size of the gaps in a mask under a microscope compared to the size of the virus.

Doesn’t keeping it in your pocket until you get to the store and then touching it with your hands negate any benefits?

Doesn’t your breath just come out of the sides and top of the mask? Where does it go?

Seems like superstitious nonsense to me. Isn’t science about questioning conclusions and testing hypothesis instead of dogmatic adherence to dictats?

#29 Ace Goodheart on 10.12.20 at 3:21 pm

Reading through the comments.

Just thought of something interesting.

In Ontario right now it is technically illegal to date in person.

If you don’t already live with your partner, you have to stay 2 meters away.

Way, way, way back in time, it was illegal to get intimate with someone, without a license.

What was that license called?

A marriage license, of course.

Do we now need a COVID dating license for people who want to hook up and break out of lock down loneliness?

If you want to go see that special someone without risking arrest, a 1700$ fine and possible jail time?

A piece of government paperwork to pull out when the COVID police bust into your bedroom and catch you in the act with someone who doesn’t live in your house?

But officers we have our COVID hook up license!

Ok then, as you were! Sorry false alarm.

#30 Faron on 10.12.20 at 3:29 pm

#10 Jake on 10.12.20 at 1:27 pm

How can crowded schools with germy kids who have to demask to eat their lunches be safer than restaurants.

So, it’s more important to you to have your krusty burger than for your kids to gain the education and social development critical for their future? Noted.

#31 Coin flip on 10.12.20 at 3:39 pm

KAMLOOPS!! ITS GOING UP! UP!
Garth do you have any commercial or residential in kamloops?
God bless you all and happy thanks givingher!

#32 Milla on 10.12.20 at 3:42 pm

Mississauga 20 years ago was lively, spacious, clean. Now it is dirty crowded noisy city. Regardless cultural destination, well everything is relative. You probably do not want to compare architecture of Toronto with Rom.

#33 mj on 10.12.20 at 3:44 pm

with Ontario and Quebec stepping back. October job number won’t be good

#34 Joe on 10.12.20 at 3:53 pm

I don’t think people actually want to live in a congested city full of smog and construction noise and protests. Moving outside of GTA isn’t that bad. Barrie is actually peaceful and who wouldn’t want a backyard? Maybe one can grow their own vegetables too. Old farts need to be close to medical offices and hospitals so they’re best to stay within GTA. WFH has been the trend the virus is accelerating that. There will not be a return to normal in that sense. This blog has punted real estate since 2005 and yet here we are continues to skyrocket. If you waited keep waiting for that crash. Even condos in downtown Toronto are still pricy. Sure rent has come down but we’ll see if this causes catastrophe or not.

#35 Victor V on 10.12.20 at 3:56 pm

https://www.bnnbloomberg.ca/stocks-advance-amid-megacap-rally-oil-tumbles-1.1506925

U.S. stocks climbed to an almost six-week high amid a rally in giant technology companies as traders awaited earnings from banks and news on a fresh round of economic stimulus.

The S&P 500 extended gains into a fourth day, while the NYSE FANG+ Index of megacap tech shares rose 2.2 per cent. Amazon.com Inc. surged before its Prime Day event, Apple Inc. jumped as its price target was raised by RBC Capital Markets while Twitter Inc. rallied after Deutsche Bank recommended buying the stock. As lenders including JPMorgan Chase & Co. and Wells Fargo & Co. report their results this week, analysts expect a slight uptick in net charge-offs with some loans souring. Energy shares underperformed as oil sank below US$40 a barrel. The Treasury market is closed for a U.S. holiday.

#36 The Nutty Epidemiologists - Covid party deserters on 10.12.20 at 3:59 pm

https://gbdeclaration.org/

Three sceptical public health experts – Professor Martin Kulldorff (Harvard), Professor Sunetra Gupta (Oxford) and Professor Jay Bhattacharya (Stanford) – have come together in Great Barrington, Massachusetts to launch the Great Barrington Declaration, a petition calling on governments around the world to adapt a more proportionate approach to managing the pandemic that they call “Focused Protection”. They are the three main signatories, but the co-signatories include Dr Michael Levitt, Dr Gabriela Gomes and Professor Karol Sikora among others, as well as several scientific advisors.

#37 DON on 10.12.20 at 4:00 pm

With respect to the virus and schools.

I think the kids got it long ago in Jan/Feb of last year (or perhaps even earlier). My kids already bought home a sinus cold from school after two weeks. We shall see what else comes home.

Observation with respect to wearing masks. Is it logical to wear an unsealed mask on one’s face and ignore social distancing?

#38 This just in on 10.12.20 at 4:06 pm

30% of Canadians say CV is a psyop
70% of Canadians don’t know what a psyop is

#39 the Jaguar on 10.12.20 at 4:09 pm

“”Big cities have taken a big hit, as hotels, tourism, concerts and pro sports are killed by Covid.””——————-
Concerts and pro sports can stumble along with their fans, pay for view, or some other solution, but we need to get planes flying again.
Here is part of the problem: ‘ Record of decision of the Chief Medical Officer of Health requiring that any person who is a confirmed case of COVID-19 be in isolation for a minimum of 10 days from the start of their symptoms, or until symptoms resolve, whichever is longer. Also requires that any person returning to Alberta after having travelled internationally, and any person who is a close contact of a person who is confirmed as having COVID-19, must be in quarantine for a minimum 14-day period.’

Funny how a confirmed case of Covid requires you to isolate for 10 days versus the 14 day period for out of country travel. Go figure. The federal government of Canada just bought 7.9 million ‘instant covid tests’ from Abbott. Pretty sure they others as well. How about we put some of them into the hands of provinces now so tests can be administered the moment someone steps off the plane in Canada from international travel. Wait 13 minutes. If you are clear you can go back to work. No quarantine. There has been a lot of talk about fear of flying during Covid as the culprit behind the struggle for airlines to stay alive, but the quarantine is the real villian. Not everyone can or even wants to WFH, and a two week quarantine at home after two weeks away on vacation is a deal killer. And possibly an airline killer.

Two European airports are piloting instant tests. Why can’t we do the same and put bums back in seats on planes and put people back to work? Each province seems to be handling their response to Covid in unique ways ( Altlantic Bubble), so let’s move ahead with such an initiative in Alberta, home of WestJet.
Rise up Albertans. Demand the instant test as an alternative to quarantine. Become a Freedom Rider.

#40 DON on 10.12.20 at 4:09 pm

#15 Piet on 10.12.20 at 1:58 pm
Since the snowbirds are unable to travel south for the winter, many of them have chosen to spend the winter on Vancouver Island. Apparently the RV parks are full. Nice boost for the local economy.

https://www.timescolonist.com/news/local/snowbirds-unable-to-go-south-flock-to-vancouver-island-1.24217193

https://www.cheknews.ca/snowbirds-flocking-to-vancouver-island-because-of-border-closure-707505/

***********

Nice little boom for the Island economy and BC Ferries.

Quite the monsoon yesterday. Nice today.

#41 Dolce Vita on 10.12.20 at 4:12 pm

J. H. Murphy.

Reading the Comments made me want to take out my short legged table, white linen and Seppuku knife set.

Canada it isn’t as bad as you think. Chin up. Where’s that walking on water spirit (the frozen stuff)?

Look at this:

https://i.imgur.com/OLkS2tr.png

Canada you’re in like Flint with the TEN’sies. Then there are the HUNDRED’sies.

A good reason to give thanks.

——————————

Hey, you could be the European CDC where you had come up with a new COLOR category, the TWOHUNDREDANDFIFTY’sies, so some some countries aren’t all dark brown (e.g., Spain, France, Czechia, Netherlands, Belgium, Iceland, etc.)

https://i.imgur.com/iqRDYo3.png

More reason to give thanks Canada.

#42 crowdedelevatorfartz on 10.12.20 at 4:14 pm

@#26 Ace Goodheart
“At any rate, a hard winter awaits.”

++++

Yep.
Trump post election wrangling.
Winter snows vs Open Houses
Covid.
Shutdowns.
Economy.

A good time to be sitting on the sidelines….with money to spend.
Or,
As the vulture said to his wingman,
” Is that road kill down there?”

#43 I’m stupid on 10.12.20 at 4:19 pm

#3 Lake Lover on 10.12.20 at 1:05 pm

Pathetic… so what you want is for housing to collapse, leaving your child underwater with what was paid to you for your home. Then you scoop up a deal and come out ahead. Wow, if I was your son I’d throw you onto the street. Great parents!

#44 crowdedelevatorfartz on 10.12.20 at 4:21 pm

@#39 DON
“Nice little boom for the Island economy and BC Ferries.”

++++
BC Ferries needs all the money they can get……

They’re burning through cash at almost a million $$$$ per DAY…… and the slow winter season is coming.
That being said.
I wonder how much of a bonus the top brass at BC Ferries will gift themselves this year?

https://vancouverisland.ctvnews.ca/bc-ferries-revenue-down-700k-per-day-despite-ridership-rebound-1.5050823

#45 Linda on 10.12.20 at 4:24 pm

Moose cow with calf, aww!

‘Condo sales have started to backslide’ – I thought that condo sales have been doing this shortly after Covid began? Or was it only condo pricing that had been falling, not the actual number of condo sales?

Speaking of viral effects, can’t help but think that the longer this drags on the more likely permanent changes will occur, including WFH. Yes, there is a risk that purchasing RE in a virtual backwater could make selling later on more difficult, but could also be that folks will decide they like the new lifestyle enough to stick around post pandemic.

#46 Brian Ripley on 10.12.20 at 4:25 pm

“The highest unemployment rate in the nation… is Toronto… BMO via Garth

I just published my employments charts:
http://www.chpc.biz/earnings-employment.html#Rate

I provide 10 year spread tables for both seasonally adjusted and unadjusted employment data across Canadian cities and their provinces.

Employment is down over the last 10 years in Ontario and Toronto by 6.2% and 6.3%. (seasonally adjusted)
Unadjusted it’s 6.3% and 6.3%

Alberta and Calgary are far worse off. Quebec is similar but Montreal Employment is little unchanged over the last 10 years.

On the same page, in terms of Class of Worker out of 22 metrics, only 3 are positive (Y/Y% change): Public Sector, Utilities and Educational Services. The rest have been stubbornly negative for months.

Low wage workers are particularly vulnerable especially in Quebec, Ontario, Alberta and B.C… StatCan charts on the same page bear this out and the trend has accelerated across Canada starting in 2006 and going exponential in 2017.

The wealth gap is widening.

“There is no doubt the COVID-19 job losses will spike poverty rates” said David Macdonald, a senior economist at the Canadian Centre for Policy Alternatives, noting official numbers for this year won’t be available until 2022.

http://www.chpc.biz/history-readings/category/poverty

2022?

We have the computing power but apparently not the will to track data and publish it in real time.

This will not help us in ameliorating the effects of this global pandemic in Canada if we don’t get aggressive and test, track, trace and isolate.

#47 The Good Dr on 10.12.20 at 4:28 pm

To answer #28 SomeDude…

Masks seem work to reduce, but not eliminate, aerosol-sized particles from getting out and getting in! If everybody is masked up, even at a 67% reduction that all adds up to a lot of collective protection.
From https://www.nature.com/articles/d41586-020-02801-8

“In a review9 of observational studies, an international research team estimates that surgical and comparable cloth masks are 67% effective in protecting the wearer.

In unpublished work, Linsey Marr, an environmental engineer at Virginia Tech in Blacksburg, and her colleagues found that even a cotton T-shirt can block half of inhaled aerosols and almost 80% of exhaled aerosols measuring 2 µm across. Once you get to aerosols of 4–5 µm, almost any fabric can block more than 80% in both directions, she says.”

#48 joblo on 10.12.20 at 4:29 pm

Com’n Jagmeet, force the lockdown of the big guys Costco, Walmart, Sobeys, Loblaws etc.
It’s their turn, let the little ones survive.
You can do it, you are KING.

#49 Dolce Vita on 10.12.20 at 4:48 pm

On the flip side of Give thanks Canada, there is the matter of Testing Rates in Canada are ALL OVER THE MAP.

THE MAP & my irreverent take on the Provinces and Territories (national average is 214,103 per Million):

https://i.imgur.com/07Wnw73.jpg

It’s the Orca’s, Lobsters & Moose that will save the day…

PS:

Also, the Territories tested all the Polar Bears, Walruses and Seals too (maybe even the Narwhals?).

#50 Tarot card on 10.12.20 at 4:48 pm

Happy thanksgiving!
Thanks for the blog Garth
As I have said since time began on this blog, housing prices will not decline until mortgage rates go up. And if they increase tomorrow you will still have to wait five years for renewals for people to be stressed and by then economy will be red hot.
Unemployment in Canada. I will say it again the majority of the unemployed in this country are working in hospitality or small business which has been decimated. Maybe a few in other industries. Be honest do you know anyone outside of hospitality that is unemployed? Everyone on my street is working. Five homes within a block all sold in days, and they were not bought by unemployed people.
Hey Don I saw the same thing all the BC parks are full for the winter. COVID from Alberta here we come.
I have seen licence plates from Saskatchewan, Ontario and Quebec. And tons from Alberta with big trucks cowboy boots and RVs
We should do the same as the four Maritime provinces mandatory quarantine for two weeks.
Watch for a spike in cases on the island in the pacific.

#51 paul on 10.12.20 at 4:48 pm

Must be a Covid moose she has seven legs.

#52 Elon fanboy on 10.12.20 at 4:50 pm

#28 Somedude “ Is there any evidence that cloth masks made from porous fibres protects against a microscopic virus from being transmitted? ”

Cloth masks are apparently the worse option, actually splitting/multiplying droplets.

Very dubious science behind effectiveness of non medical masks.

https://aapsonline.org/mask-facts/

#53 El presidente on 10.12.20 at 4:58 pm

Time for some more superspreader rallies… things are looking up….. the Taliban just endorsed me… now get me another shot of steroids…

#54 WTF on 10.12.20 at 5:02 pm

Regarding the Trailer Refugees in BC

Apparently there are waiting lists. One possible remedy and a potential win for the taxpayer.

Open the Provincial Parks rent them out to the overflow. Everybody wins! Of course that takes initiative. Not sure the Bolsheviks are up to being concerned with pesky irritations like generating revenue.

Prediction:
Not. going. to. happen.

#55 KNOW IT ALL on 10.12.20 at 5:03 pm

Things are about to get BAD….. Real BAD!!!

https://financialpost.com/news/economy/second-wave-of-layoffs-looms-as-covid-cases-climb-straining-hard-hit-industries

https://financialpost.com/news/economy/bank-of-canada-keeps-door-open-to-possibility-of-negative-rates

#56 Leftover on 10.12.20 at 5:29 pm

The exodus to small cities in the USA is different than in Canada. Small urban centres in the States, especially university towns, are a delight. Moncton ain’t Boulder.

But the trend has been building for a while. Say what you like about Vancouver or Toronto, they are difficult places to live. Covid shock plus low interest rates are irresistible.

Will it stick? Maybe for the truly self-employed, who choose their own destiny, but probably not for corporate drones. You need to be visible to get promoted and often just to keep your job at all.

#57 Ponzius Pilatus on 10.12.20 at 5:29 pm

#15 Piet on 10.12.20 at 1:58 pm
Since the snowbirds are unable to travel south for the winter, many of them have chosen to spend the winter on Vancouver Island. Apparently the RV parks are full. Nice boost for the local economy.
————–
Make sure your RV is rainproof.
Otherwise bring lots of tarp.
And trade your cowboy boots for rain boots.

#58 @learn2investkid.com on 10.12.20 at 5:37 pm

The move from the big city to smaller town could make a lot of sense for a young family if they have enough equity to buy a house with no mortgage. Sell your house in Vancouver or Toronto move to Calgary:

1) House paid off in C-town
2) no PST and cheapest gas in the country
3) New car paid off
4) Top up RESP, TFSAs and RRSPs

Think how much daily stress this eliminates for a young family. It will save some from a divorce. One person can work and the other can blog about their journey and develop a huge following amount the FIRE weirdos.

#59 I remember the good old days ... on 10.12.20 at 6:07 pm

#45 Linda on 10.12.20 at 4:24 pm
Moose cow with calf, aww!
———————————————————
Used to be a general open season on moose cow or calf. Tasty …

#60 DON on 10.12.20 at 6:07 pm

#54 WTF on 10.12.20 at 5:02 pm
Regarding the Trailer Refugees in BC

Apparently there are waiting lists. One possible remedy and a potential win for the taxpayer.

Open the Provincial Parks rent them out to the overflow. Everybody wins! Of course that takes initiative. Not sure the Bolsheviks are up to being concerned with pesky irritations like generating revenue.

Prediction:
Not. going. to happen

*****************

At first it sounds like a great plan and it is in certain areas on the Island in Winter. But when the wind hits I wouldn’t want to be in a Provincial park with all those big trees and snapping branches throughout the winter. Constant rain and wind destabilzes the root and timber. Even falling branches can take you out. We got a little taste of the wind and monsoon rains yesterday. Much more to come as per the forecasts.

One year the streets were littered with trees took ten days to get the power on.

@crowded

Those extra length vehicles will increase revenues for BC Ferries. They should get paid the same as Washington Ferries not like some rock stars. It is incredible how much money they get paid at head quarters and how many of them there are. It is mind boggling…to say the least. The ferries should be basic ride with basic amenties it is not a cruise ship.

#61 Penny Henny on 10.12.20 at 6:08 pm

Niagara region home sales numbers for Sept.

New listings up 9.6% YoY
Number of sales up 57.1% YoY
HPI benchmark price up 15.7% YoY
Average days on market down 29.5% YoY

For those following along that’s 3 Uppas and 1 Downa

https://www.niagararealtor.ca/sites/default/files/Media%20Release%20-%20COMPLETE%20%281%29.pdf

#62 Quintilian on 10.12.20 at 6:13 pm

I wonder if there is more sizzle than steak on the rural real estate boom.

A narrative created by the RE Cartel that has geared some traction on its own momentum.

Some of the small city and towns where the boom is supposedly taking place have no economies, and for the most part, not within commuting distance from major centers.

Where are the locals moving to?

Was there that much over supply just waiting to be soaked up by the rich city folk?

#63 Out Of Work CEO, Will Travel on 10.12.20 at 6:15 pm

Tradionally young workers would flock to the city from smaller Canadian towns to get work and find a career. In small town Canada you will not get the kind of opportunity to achieve career success that exists in larger cities. The corona virus has upset the normal trend young workers normally followed ending up Toronto or Vancouver. Now careers and work and employment which looked very compelling now is framed in doubt and serious government programs. Canada is set up for people to work in real jobs for real money not for government transfers or Cerb or UI. Our whole society has to reflect before the government spends another trillion and decide is this the best path forward? Immigrants joined those young workers in the city seeking the same jobs. The plan Canada had which required many new people moving to the city has now been paused.

#64 El presidente on 10.12.20 at 6:20 pm

A new fresh paint spray job and I’m ready go….. find me some seniors…

#65 cto on 10.12.20 at 6:20 pm

don’t worry,…logic and natural market forces haven’t prevailed in very many years and you can be sure the BOC and feds are not going to let the canada goose who lays the golden egg die.
they will however, kill everything else in the process…including your pension and savings.

#66 Classical Liberal Millennial on 10.12.20 at 6:22 pm

The WHO just condemned lockdowns. Initially, sure. It buys time to understand how the virus works and how best to react to it. 7-8 months later? Nah. This isn’t ending anytime soon and too many lives are being destroyed in the name of a virus with a 0.5% IFR.
Source: https://www.news.com.au/world/coronavirus/global/coronavirus-who-backflips-on-virus-stance-by-condemning-lockdowns/news-story/f2188f2aebff1b7b291b297731c3da74

#67 Sheesh on 10.12.20 at 6:28 pm

#39 the Jaguar on 10.12.20 at 4:09 pm
How about we put some of them into the hands of provinces now so tests can be administered the moment someone steps off the plane in Canada from international travel. Wait 13 minutes. If you are clear you can go back to work. No quarantine.

That wouldn’t work very well because a person could still be incubating the virus and become infectious, so quarantine would still be necessary.

#68 FreeBird on 10.12.20 at 6:56 pm

Privacy issues globally for contract tracing. Concerns over handling of private data existed pre virus.

https://www.google.ca/amp/s/www.theverge.com/platform/amp/interface/2020/4/28/21238633/apple-germany-contact-tracing-exposure-notification-nhs-shin-bet-australia

https://www.bnnbloomberg.ca/house-antitrust-chair-says-big-tech-firms-abuse-gatekeeper-power-1.1502360.amp.html

https://medium.com/pcmag-access/the-reckoning-is-coming-regulating-big-tech-142165b08a28

https://www.complianceweek.com/technology/doj-big-techs-data-collection-creates-avenues-for-abuse/28014.article

Contact tracing in Australia:
https://www.google.ca/amp/s/amp.abc.net.au/article/12176682

#69 Stone on 10.12.20 at 7:00 pm

#52 Elon fanboy on 10.12.20 at 4:50 pm
#28 Somedude “ Is there any evidence that cloth masks made from porous fibres protects against a microscopic virus from being transmitted? ”

Cloth masks are apparently the worse option, actually splitting/multiplying droplets.

Very dubious science behind effectiveness of non medical masks.

https://aapsonline.org/mask-facts/

———

Apparently, the anti-masker shit is back to being a thing here.

#70 Jean Claude on 10.12.20 at 7:01 pm

DELETED

#71 crossbordershopper on 10.12.20 at 7:10 pm

believe it or not it took us two years to sell our house in rural sask. its ok size town 10K people, but out here, no one cares about real estate. i am so happy i broke even.
back to ontario real town, real people. in southern ontario yes real estate is a religion, but in some parts of Canada you cant give it away. at 2% or zero percent or anything.

#72 TurnerNation on 10.12.20 at 7:13 pm

RIP Captialism. Get the proles uses to sitting around, fed, and on Minimum wage… I mean MAXIMUM wage (that was the plan all along. CERB = $14-15/hr give or take some taxes). Flip their statements 180 degrees to make sense.

What’s next? Think techno-corporatism. By next year Tesla or Google or Apple likely will be coming in to take over the education or telecom system or something.
The buzzword is PPP – public/private partnerships. All this is just setting us up for the fall:

“Doug Ford
@fordnation
We’ve announced $300M in funding to help small businesses with their fixed costs over the next 28 days. This includes waiving:
Heavy check markProvincial & municipal property tax
Heavy check markElectricity bills
Heavy check markNatural gas bills

Please support your local business whenever possible!”

#73 Dog Breath on 10.12.20 at 7:24 pm

Happy Thanksgiving Day to Canadians and happy Columbus Day to all Americans (both North and South).
You remember who Columbus was. He was they guy who discovered America. Yah, yah, I know the Aboriginals were already here.

#74 Nonplused on 10.12.20 at 7:37 pm

#39 the Jaguar on 10.12.20 at 4:09 pm

“Two European airports are piloting instant tests. Why can’t we do the same and put bums back in seats on planes and put people back to work? Each province seems to be handling their response to Covid in unique ways ( Altlantic Bubble), so let’s move ahead with such an initiative in Alberta, home of WestJet.
Rise up Albertans. Demand the instant test as an alternative to quarantine. Become a Freedom Rider.”

————————-

You can lead a horse to water, but you can’t make it drink. It will be a very long time before the airlines recover. I would say not until after covid is no longer a thing and then even longer still as the economy will have to recover, people will have to go back to work, and then the household finances will have to be put back in order before people are going to start jetting off to Mexico again.

I know some folks who are already flying again, mostly for family reasons, but these are folks whose finances were not significantly affected by covid. Most of the folks I know who have lost their jobs aren’t spending money on anything besides booze.

Also all those people who rushed out and bought an RV, although I don’t know how many of them there really were but I’ve seen the pictures of nearly empty RV lots, will experience something into the future similar to what a cabin owner experiences. Once the cabin is bought and the taxes and maintenance it becomes their primary vacation destination to the exclusion of almost all others. The one nice thing about an RV is that you don’t have to go to the same place every time but the new owners aren’t likely to abandon them very soon.

#75 Nonplused on 10.12.20 at 7:48 pm

#48 joblo on 10.12.20 at 4:29 pm
Com’n Jagmeet, force the lockdown of the big guys Costco, Walmart, Sobeys, Loblaws etc.
It’s their turn, let the little ones survive.
You can do it, you are KING.

—————————–

What little ones did you mean? Dollar store? Co-Op? Whole Foods? Canadian Tire? I don’t know what’s left of the little guys except maybe the odd specialty plumbing store.

Every year we have a market right across the road from me where all kinds of people come to sell their wares. Mostly artsy stuff. But you can get really good salami and mustard too, for 3 times the price of something similar at Costco. The problem is that these sole proprietors have to follow all the same regulations as the big guys and it kills them. They can’t make mustard for $3 a liter delivered to the till like French’s can.

#76 George Camarata on 10.12.20 at 7:49 pm

And meanwhile the suburbs sizzle – average prices have topped a million in Mississauga, where Costco is a cultural destination.

,,,,,,,,,,,,,,,

LMFAO

almost in tears….

#77 Nonplused on 10.12.20 at 7:57 pm

#53 El presidente on 10.12.20 at 4:58 pm
….. the Taliban just endorsed me…

That was fake news.

https://www.independent.co.uk/news/world/americas/us-election/donald-trump-taliban-us-election-afghanistan-b959629.html

The Taliban wants the US to leave Afghanistan. That is pretty much all they were saying.

#78 Flop... on 10.12.20 at 8:02 pm

#27 justdeleteitifyoudontlikeit on 10.12.20 at 3:08 pm
#1 Flop… “This place is 94 bucks a square foot, that is not a number I’m familiar with real estate wise, unless it’s a construction estimate…”

It’s amazing what you can find for sale in the US, real estate wise. They don’t suffer from a national delusion, currently.

Look at this:
https://www.latimes.com/business/real-estate/story/2020-10-08/raw-land-for-50-000-in-l-a-county

Land for less than 10% of the value of the finished house? Unpossible!

Hey ummm…you’re not making it easy on me to give you a shorter nickname, so I will go with J.D.

I had a look, yes it looks cheap but due to soil erosion and wildfires, I would keep my wallet in my pocket.

One of the reasons I think Corpus Christi is a potential option down the line besides affordability, is the chance of a natural disaster seems a little lower than some places in the States.

It has barrier islands that protect it from the ocean and is not as exposed as say Galveston.

One the storm clock-face on the Gulf of Mexico , a Corpus Christi is about at 10 o’clock, where most of the storms that go through there seem to range from about 12 o’clock to about 2 o’clock.

Wildlife on a city block down there doesn’t seem a high percentage possibility either.

I used to think if I was going to do this sort of thing it would be on the west coast, but bang for buck is just not there.

Look at this chart of America.

The west coast is a no-go zone of affordable housing for low earning bozos like me.

Texas on the other hand is affordable, San Antonio area seems to be the most expensive.

The place I showed was 175k turn key.

Some of the condos there are similar price but with $400 a month maintenance fees.

You can get a house in these parts for 50k, if you want s project, I will do a bit but not a back to the stud gut.

I want to spend my retirement days thinking about how construction didn’t kill me, not still trying to kil myself.

I don’t want a project, unless that project is working on my beer belly…

M46BC

“Visualizing Monthly Mortgage Payments in the United States.”

“Cash is king in real estate, but the reality is that most home buyers will need to take out a mortgage in order to afford a house. Many properties require at least a 20 percent down payment (less than that requires private mortgage insurance), while the rest can be financed through a mortgage loan. According to the U.S. Census Bureau, 63% of homeowners have a mortgage. However, the median home prices where you live determine not only how much you will need to amass as a down payment, but also what your monthly mortgage payment will be.”

https://howmuch.net/articles/americas-mortgage-map-2019

#79 Editrix on 10.12.20 at 8:10 pm

Lockdowns will probably continue through the winter, so say good-bye to local hockey, curling, skiing and other winter activities. Until the authorities start giving out major fines for everyone who thinks that the COVID distancing rules don’t apply to them, it’s going until next spring. It will be a bleak winter.

The bee is in my bonnet because the cottage neighbours had 9 cars visiting this weekend.

#80 zoey on 10.12.20 at 8:11 pm

For sure, I agree with your thoughts here. The condo market is toast for the forseeable future. Not just in the city, but everywhere because why move to the burbs to live in a condo ? I do feel the condo market however is a leading indicator. As the employment numbers continue to faulter the WFH types will be next on CRB / I.E as corporate profits tank.

#81 the Jaguar on 10.12.20 at 8:19 pm

@ NonPlused————‘You can lead a horse to water, but you can’t make it drink.’

Mercy, NonPlused! The horses are in Ontario and Quebec! The Thoroughbreds are here in Alberta!

You living out on some acreage parcel in Bearspaw (my guess) or Priddis ought to know better. People can keep up with the Posse or climb up the mountain on their own steam! Don Guillermo already has his bag packed for his November 2nd flight out to Mazatlan.
I can hear the Mariachi band getting tuned up for his limo escort to YYC as I write this…..

Your membership in the Posse is hanging by a thread. BillyBob, Don Guillermo, Fishman, WUL, Dharma Bum and Don ( thrown over a mule), are saddled up and ready to go. ( they may not all have been advised…).
When I hear the word ‘democracy’, I reach for my pistolla.. We’re in the middle of a Revolution in case you haven’t noticed.
Downloading ‘Days of Heaven’ right now. If you want to see the real beauty of southern Alberta this old movie with Richard Gere Sam Shepard & cast is a gem.

Terence Mallick film about turn of the century ‘Grifters’.
A good introduction to the many ‘Grifters’ roaming the landscape these days……..

#82 Millennial 1%er on 10.12.20 at 8:27 pm

Looks like we’re going right into a supply constraint.

@BrianRipley
I tried to set out and make a web application for real estate agents based on MLS data. I immediately was hit with the obstacle of non democratized data. I think you’re on the right path – democratizing data leads to a community that can make more educated decisions. As a recent first time homebuyer, I was appalled at the lack of data for consumers.

Data helps us make good decisions. But the real estate cartel doesn’t want people to make good decisions do they? Before I leave this country I’ll keep on thinking of ways to disrupt the way real estate works and return some power to the consumers.

#83 crowdedelevatorfartz on 10.12.20 at 9:27 pm

@#8` the jag

“Days of Heaven’ right now. If you want to see the real beauty of southern Alberta this old movie with Richard Gere Sam Shepard & cast is a gem.”

+++++

Clint Eastwoods “The Unforgiven” was filmed in Southern Alberta as well.

great scenery

#84 Snore shore on 10.12.20 at 10:02 pm

Substitute Squamish with Valemont

#85 TurnerNation on 10.12.20 at 10:07 pm

It’s not even winter and we see the comments on here: the global government shut down society and culture and freedom but the problem is not them no it’s people trying to live normally and skirt the prison rules! and the anti vaxers (big hint there is no vax for CV)

“I’m jealous as my neighbour had 6+x cars in the driveway”. Science yo, at the 7th person people will become sick and overwhelm the hospitals. 6 = A-ok.
Gotta love science. And freedom.

Why I call them Freedom Masks. They keep you silent and filled with rage, unable to express your thoughts or emotions. Like a worker robot. Which is what our tax farm workers want. Keep wearing and maybe, one day if you are compliant enough the great CV gods will once again grant your freedom. In the mean time smite the non-believers and heretics.
Get ready for Wave 2 of small bankruptcies in Toronto, Ottawa. For our health Comrade.
No one said that the new world order could come easily. Kicking and screaming always, incrementalism.
Just two more weeks, err I mean 28 more days!
Fool me once, shame on you.

#86 Pulp Faction on 10.12.20 at 10:10 pm

WFH will not last because it’s killing productivity and people are taking advantage of it.
Eg 1… Babysitting her kids, going on outings with them, and call forwarding calls to various other employees or letting them go to voicemail.

Eg 2…. Can’t come into work, thinks she has the virus, going to get tested near the end of next week but still has plans to go out of town for a long weekend excursion in a resort town. Turns out she found out she tested negative just before she left, after being criticized for traveling sick.

Eg 3. Doesn’t answer the phone before 10am, gets almost nothing done, unreachable more often than not, has twice been seen out shopping or daytripping when supposed to be at home working.

Eg 4. Several customers have complained that they are on the company phone with her when they hear a cellphone with a custom personalized ringtone in the background, she immediately puts them on hold and leaves them holding for up to 15 minutes, when they are busy trying to get things done.

This is just one office out of a few hundred.

#87 El presidente on 10.12.20 at 10:32 pm

Who wants to kiss me… i love everyone….

https://twitter.com/JenniferJJacobs/status/1315800560902299648?s=19

#88 TurnerNation on 10.12.20 at 10:38 pm

Bad news, there is a new threat. We must shut down more of the local economy.
Just read how horrible is this:

https://ipac-canada.org/influenza-resources.php

As of Sept 19, 2020, exceptionally low levels of influenza activity continued to be reported across Canada. To date, here have been 6 confirmed cases of Influenza; 1 case of Influenza A and 5 cases of Influenza B.

…..

WOW…lock us down! Into 2021-22 until we have a Vaccine for Influenza A and B. We cannot let this get out of hand. 6 cases is too many. It’s just not safe to go out.

“The influenza viruses are unique among the respiratory viruses in that they undergo significant antigenic variation. Antigenic drift involves minor antigen changes from one season to the next and may result in epidemic spread of the new strain. Antigenic shift involves major antigenic changes of the HA and NA molecules and occurs only with Influenza A viruses. These changes can result in the appearance of pandemic viruses.
Influenza A causes a more severe illness than influenza B, often resulting in hospitalization and death in the elderly and those at risk. World epidemics and pandemics have been due to influenza A”

^Scary stuff

#89 Diamond Dog on 10.12.20 at 11:22 pm

https://www.immigratetocanada.com/immigration-to-canada-down-67-from-2019/

Immigration is down 67% in Q2 compared to a year ago. Work permits were cut in half. Study permits were down to 10,000 from 107,000. Why are condo’s crashing? Immigration, the demand driver for new construction, has fallen off a cliff.

First go condo sales, then houses. We are beginning to see fundamentals off classic oversupply build in housing led by immigration dropping off a cliff. We should know what follows. Interest rates won’t go any lower and when the buzz of cheap credit wears off and high unemployment and bankruptcies to follow entrench themselves… we did warn, we did try. Fools and their money, as they say.

#90 Diamond Dog on 10.13.20 at 12:02 am

This market euphoria and uber exuberance fed by rock bottom interest rates during double digit unemployment fueled by a pandemic can best de described as a hope or goal that leads one on but is impossible to reach. It is “the will of the wisp”, a jack-o’-lantern, friar’s lantern or hinkypunk, the trick to the treat of Halloween where home buyers gorge on sugary rock bottom rates only to watch their teeth rot out of their mouths having bitten off more than they can chew. It’s how it begins…

It is Ignis Fatuus, a mirage, a hallucination, an apparition, a phantasm, a specter, an unbridled fantasy to believe there’s much in gains to be had in this market now! Darkness is growing, winter is coming and the hungry show no mercy. “Double, double, toil and trouble. Fire burn and cauldron bubble. Ahahahahahahehehe!!!!!!”.

https://www.youtube.com/watch?v=GEfIOPabWkM

https://www.youtube.com/watch?v=TBgeINNjAfE

#91 Diamond Dog on 10.13.20 at 12:07 am

So you want to buy a home, eh?

https://www.youtube.com/watch?v=lEkRfFi7xhs

($5 dollars please)

#92 dosouth on 10.13.20 at 12:12 am

A lot of unhappy government workers in BC who have been ordered back to work. Huh, we don’t get to stay home and make a 100k plus in our PJ’s while others have been at work for months….how dare those NDPer’s

https://tinyurl.com/y582ncly

#93 NSNG on 10.13.20 at 12:30 am

I wonder if those liberal voters moving out of the cities will affect voting trends much? Rural areas tend to vote conservative, do they not? That could change.

#94 RonOnSentence on 10.13.20 at 12:36 am

boring Kelowna?

Yes, Garth is right. Kelowna is one of the most boring places I have ever lived. I truly regret having retired here. My wife and I pine for the Big Smoke and four-oh-one from whence we came.

Let me see … other than arguably the best dirtbike trails (Bear Creek Provincial Park) in Canada and possibly North America just twenty minutes from my driveway (that I rode today for three hours), three major downhill ski-hills within an hour and a bit drive (Apex, Big White, and Silver Star), x-country ski trails at Telemark (60kms of trails) in West Kelowna and Sovereign Lake Nordic Centre with more than 105 kilometres of daily groomed trails, innumerable hiking trails within twenty minutes (Canyon Falls with 50 foot waterfalls right in the city), enough hunting, camping and fishing locations to last a lifetime all within a couple of hours, and last but certainly not least …. kilometers of pristine beaches along one of the most scenic lakes in Canada stretching some 135 kms.

Not to mention …”In recent years, the city of Kelowna has grown into a mighty purveyor of technology, becoming one of, if not the favoured place for all sorts of astounding companies and opportunities to appear.”

I’ll stop now … I think you get the point. My McMansion could quadruple in price and we’d still live here.

#95 Nonplused on 10.13.20 at 1:02 am

#81 the Jaguar on 10.12.20 at 8:19 pm
@ NonPlused————‘You can lead a horse to water, but you can’t make it drink.’

Mercy, NonPlused! The horses are in Ontario and Quebec! The Thoroughbreds are here in Alberta!

You living out on some acreage parcel in Bearspaw (my guess) or Priddis ought to know better.

—————————-

You are close. I am on a small parcel that is within 45 minutes (on a good day) of downtown Calgary. That covers a lot of territory. Priddis is beautiful, but slightly outside this range. Still nothing like a Toronto or Vancouver commute though.

Once the ring-road work in the SW is complete I imagine all of Springbank will be less than 45 minutes from downtown, but while the pylons are everywhere it is a mess. That same ring-road work is going to fix up 14th street and also highway 8, so everyone is getting a lot closer to where they want to go. To bad there isn’t any parking.

The rest of your reply I don’t get.

PS I might have fixed Highway 8. I mean lots of other experts probably weighed in that were more considered than I was but originally they were thinking of twinning Highway 8. But I said “no, put the money in the ring-road because most of that traffic is trying to bypass Sarcee Trail and heads up the 22 to highway 1 anyway”. Did I save the world? Probably not but they are building the ring road and not twinning highway 8. Good call in my opinion because it is going to fix highway 8, Sarcee, Crowfoot, and 14th. Lots of money though. But probably cheaper than any other solution. They probably have to put a third lane on Highway 1 next but hey.

#96 Goober on 10.13.20 at 1:09 am

I’m not sure if any public health official has gone on the record and stated the following, but when I read this quote, I nearly fell off my chair:

“I’m not aware of any death in a person who was completely well before,” said Roussin of Manitoba’s COVID-19 deaths.

The rest of this article is also worth a quick read since it deals with what should have been the logical method of dealing with this WuFlu right from the start. Better late than never.

#97 Smartalox on 10.13.20 at 1:09 am

@flop…

Anything on the Gulf Coast is at risk, if you ask me.
Barrier islands protect your town from crashing waves, but do little when the storm surge rises the tide. My wife has a cousin who lives in New Orleans; has a beautiful, newly-built house, by the Gulf, and a 25-foot levee at the end of his street.

On Google maps, it’s practically waterfront property: real estsate agents would talk up the lovely multi-use trail by the water – on top of the levee!

Still, maybe not a problem if you’re willing to take precautions. Like waterproofing the structures on the first floor. Think less ‘living room’ and more ‘walk in shower’.

Or, just build a houseboat hull, with pontoons at grade, covered loosely with dirt, and set the anchors deep. at the property lines.

I waterproofed a vintage Cadillac once, and it was a great success! I got to meet Jay Leno, . We set a Guinness World record with it, too.
http://www.worldsfastesthottub.com

Anything is possible if you prepare appropriately!

You just have to adjust your expectations accordingly.

#98 Canuck on 10.13.20 at 1:28 am

This just in on 10.12.20 at 4:06 pm

30% of Canadians say CV is a psyop
70% of Canadians don’t know what a psyop is
_______________________________________________

100% don’t care.

#99 Canuck on 10.13.20 at 1:55 am

#79 Editrix on 10.12.20 at 8:10 pm

Lockdowns will probably continue through the winter, so say good-bye to local hockey, curling, skiing and other winter activities. Until the authorities start giving out major fines for everyone who thinks that the COVID distancing rules don’t apply to them, it’s going until next spring. It will be a bleak winter.

The bee is in my bonnet because the cottage neighbours had 9 cars visiting this weekend.
_____________________________________________

Me, me, me…

Were you over there? Are you concerned the ‘rona drifted over to your place??

I fail to understand why so many people want society to cower in fear over a virus that has a 99% survival rate for those under 70. I don’t recall society being locked down when H1N1 infected 60 million Americans… You know, about 10x higher than the current infection rate.

Do you ever consider those who have lost their jobs, relationships, homes… lives to suicide, delays from surgery and cancer treatments because of this “pandemic”?

I manage a retail store and regularly have seniors for customers. I still haven’t met one senior who is scared of this virus. Most hate having to wear a mask. They are the most vulnerable and they keep on living meanwhile people like you want to shut down society because you think the virus will go away. Hint: There has never been a cure for corona viruses. They don’t go away.

#100 Cottagers STAY THE HELL AWAY! on 10.13.20 at 7:47 am

Outta here – damn right!

The season’s over all you selfish inbred southern hillbillies. Go back to your GTA real estate bubble and leave us alone.

Thanks so much for jeapordizing our health care resources, you selfish idiots. One poster here yesterday commented on seeing 9 cars at a nearby cottage. Incredible stupidity from the south.

What is wrong with you all !!??

OUTTA HERE!

DON’T COME BACK!

#101 Penny Henny on 10.13.20 at 8:05 am

#85 TurnerNation on 10.12.20 at 10:07 pm

No one said that the new world order could come easily. Kicking and screaming always, incrementalism.
Just two more weeks, err I mean 28 more days!
Fool me once, shame on you.

///////////////

The next shutdown will be 90 days.
It has to be done incrementally so we are accepting of the new ‘er’ system.
first 14 days.
then 28 days.
next they will tell us 90 days, and please obey and we might let you enjoy spring.

I’m also curious when are we going to start hearing of a third wave? Just after Christmas?

#102 Ace Goodheart on 10.13.20 at 8:29 am

RE: #100 Cottagers STAY THE HELL AWAY! on 10.13.20 at 7:47

Umust b aluzer….

#103 crowdedelevatorfartz on 10.13.20 at 8:38 am

@#94 RononSentence
Re Kelowna’s many attractions

You left out;
The forest fire smoke……….
The Hells Angels shootings…..
The glorious main street billboards…..

#104 Ace Goodheart on 10.13.20 at 8:40 am

RE: #99 Canuck on 10.13.20 at 1:55 am

“I fail to understand why so many people want society to cower in fear over a virus that has a 99% survival rate for those under 70. I don’t recall society being locked down when H1N1 infected 60 million Americans… You know, about 10x higher than the current infection rate.”

We have a person on our street who is trying to shut down our school.

Claims it is a place where children spread disease. Puts her at risk. She is lobbying our local counsellor.

This is what social media does to people. It creates fear.

Ask yourself: where did you learn about this virus? 99.9% of people learned about it from the internet.

Who do you think controls what you see on the internet? Not government. Internet is not regulated. Large corporations control what you see on the internet.

First, we had “changing climate theory”. California burned this year due to wild fires. They had a human cause. But not the one you were told about. No, they were not caused by too much carbon dioxide in the air.

Curiously, they were caused by plants. Almond plants. Almond farming has dried up California’s water table. They have drained it. As the state gets dryer, the water table gets lower, lakes and rivers dry up, and you get……wild fires!

Which the big corps blame on “Climate change”.

Of course they do. They are distracting you from the real cause…..them and their almond farms.

https://newrepublic.com/article/125450/heres-real-problem-almonds

Who controls the mass media internet sites that we get our daily “COVID” fix from?

The same folks who want to shut down local businesses and replace them with corporate chain stores and restaurants.

Right now, more than any time in history, it is important for everyone to be skeptical of what we are told. Ask questions. Do not believe things. When you get threatened for having an opinion that is not mainstream, stand up for it. Fight back.

It may be the most important fight of your life…..

#105 looking up on 10.13.20 at 9:39 am

Wow looks like the mortgage deferral cliff is not going to affect anything (in the short term anyway)

The Canadian belief that “real estate can only go up” may have become a self fulfilling prophecy.

Surely you have to run out of buyers at these prices sooner or later.

The cliff has not yet arrived. – Garth

#106 Lambchop on 10.13.20 at 10:04 am

#104 Ace Goodheart on 10.13.20 at 8:40 am

Right now, more than any time in history, it is important for everyone to be skeptical of what we are told. Ask questions. Do not believe things. When you get threatened for having an opinion that is not mainstream, stand up for it. Fight back.

It may be the most important fight of your life…..

_______________

If you only believe one thing on the internet today, let it be this.

#107 PetertheSeparatistfromCalgary on 10.13.20 at 10:20 am

The World Health Organization is now saying that shut downs should be avoided because of the economic costs. They are sort of admitting they were wrong before.

“The World Health Organization has warned leaders against relying on COVID-19 lockdowns to tackle outbreaks — after previously saying countries should be careful how quickly they reopen.”

https://nypost.com/2020/10/11/who-warns-against-covid-19-lockdowns-due-to-economic-damage/?fbclid=IwAR2KNLjPbZKhnOcqmJanKnNThgu5B0xusIvouNQhqXV6q2kSUrV3at3bkLc

#108 IHCTD9 on 10.13.20 at 10:23 am

#19 Reality is stark on 10.12.20 at 2:16 pm

In the normal order women had power early and men had it later. Family court is now structured so that women keep their early power and the courts allow them to have the balance of power later as well.
___

“Winning” in family court is not power or influence. Usually it just means you made less money than your soon to be ex. The ladies pay alimony and child support too – and it is getting more and more common.

Women for a short while, once held the keys to ultimate power: family and sex. It did not last very long before feminism and modern Western culture in general pretty much obliterated it.

If you take a realistic look at it – Western Men today have never had it “better”, and they can (ironically) thank feminism for a lot of it. Most of the “benefits” afforded Women by feminism have removed responsibility from Men, and placed it on the shoulders of Women.

Outside of a legally binding union – it’s basically a free-for-all for Western Men.

#109 KLNR on 10.13.20 at 10:31 am

alright folks, time to crawl outta your bunkers/basements get some sunshine. Beautiful day out there.

#110 YVR Expat on 10.13.20 at 10:46 am

#108 IHCTD9 on 10.13.20 at 10:23 am
#19 Reality is stark on 10.12.20 at 2:16 pm

In the normal order women had power early and men had it later. Family court is now structured so that women keep their early power and the courts allow them to have the balance of power later as well.
___

“Winning” in family court is not power or influence. Usually it just means you made less money than your soon to be ex. The ladies pay alimony and child support too – and it is getting more and more common.

Women for a short while, once held the keys to ultimate power: family and sex. It did not last very long before feminism and modern Western culture in general pretty much obliterated it.

If you take a realistic look at it – Western Men today have never had it “better”, and they can (ironically) thank feminism for a lot of it. Most of the “benefits” afforded Women by feminism have removed responsibility from Men, and placed it on the shoulders of Women.

Outside of a legally binding union – it’s basically a free-for-all for Western Men.

********************************

When my brother broke up with his gf of 5 years, she took him to court. Why? Because the house he owned gained a lot in value, and as a common law girlfriend she thought she was entitled to the gains. She won, and he had to take out a loan to pay her off. While they were living together – she paid the utilities/internet/etc, and he paid the mortgage (not balanced at all). She had a better job with a employer matched RRSP, he worked trades and had no RRSP plan.

Tell me again how modern courts are fair to women?

#111 Dharma Bum on 10.13.20 at 10:47 am

Sooooo….
Just flew back from Alberta.

Air Canada, as they typically do, cancelled my original booking, and rebooked us on a different flight. Their laughable explanation for this unilateral change was “due to a government travel advisory…”.

Yah, sure. The 3:30 flight is cancelled due to a “government advisory”, so we’re sticking you on the 1:30 flight instead.

They are shameless pigs.

Every 2 seconds there is an annoying announcement about how Air Canada cares about their passengers’ health and safety, so keep those masks tight around your kissers folks.

In the meantime, they consolidate all of their flights into one or two (as they are wont to do at the best of times) and CRAM passengers onto their outdated crates.

No word of a lie; our flight was FULL. jam packed. Sitting shoulder to shoulder with the masked, unwashed masses.

Oh, and ZERO in flight service….due to COVID, of course.

#112 IHCTD9 on 10.13.20 at 11:01 am

My good old Simplicity Broadmoor finally packed it in this summer. I ended up buying a sweet Ferris IS700Z 28hp/61″ to replace it with (used but like new – saved $1430.00 worth of tax). My first ever zero turn, learning to run it has been challenging. 1300 lbs, and tons of power = turf shredder.

Yesterday a.m. the rain held off and we had a decent (and rare) wind coming from the East. I decided it was a good time to blow the leaves/cones/sticks/needles off the lawn – which is best done towards the West at our place.

Turns out the mower has super suction and inhaled 90% of everything in its path – even needles. I started thinking about a a big duct off the discharge chute feeding a trailer – maybe a blower to help… Next thing you know I am looking at YouTube videos detailing home made lawn vacuums – Sweet!

Building one of these things is definitely going to go on the to-do list!

#113 crowdedelevatorfartz on 10.13.20 at 11:07 am

@#108 IHCTD9
“Outside of a legally binding union – it’s basically a free-for-all for Western Men.”

++++

Never been divorced?

#114 crowdedelevatorfartz on 10.13.20 at 11:11 am

@#111 Dharma Bum

Yep
Air Canada or West Jet.
Monopolistic Canadian airlines that dont give two shits about their “customers”.

Their time is almost done.

If Canada wants trade with the EU we best be prepared to open our skies to competition………… and I for one….cant wait.

#115 KLNR on 10.13.20 at 11:16 am

@#110 YVR Expat on 10.13.20 at 10:46 am
#108 IHCTD9 on 10.13.20 at 10:23 am
#19 Reality is stark on 10.12.20 at 2:16 pm

In the normal order women had power early and men had it later. Family court is now structured so that women keep their early power and the courts allow them to have the balance of power later as well.
___

“Winning” in family court is not power or influence. Usually it just means you made less money than your soon to be ex. The ladies pay alimony and child support too – and it is getting more and more common.

Women for a short while, once held the keys to ultimate power: family and sex. It did not last very long before feminism and modern Western culture in general pretty much obliterated it.

If you take a realistic look at it – Western Men today have never had it “better”, and they can (ironically) thank feminism for a lot of it. Most of the “benefits” afforded Women by feminism have removed responsibility from Men, and placed it on the shoulders of Women.

Outside of a legally binding union – it’s basically a free-for-all for Western Men.

********************************

When my brother broke up with his gf of 5 years, she took him to court. Why? Because the house he owned gained a lot in value, and as a common law girlfriend she thought she was entitled to the gains. She won, and he had to take out a loan to pay her off. While they were living together – she paid the utilities/internet/etc, and he paid the mortgage (not balanced at all). She had a better job with a employer matched RRSP, he worked trades and had no RRSP plan.

Tell me again how modern courts are fair to women?
—————

common law is no different than marriage, whats yours is mine mine is yours so to speak. your bro should have known better

#116 Jay on 10.13.20 at 11:26 am

#111 Dharma Bum on 10.13.20 at 10:47 am

Westjet is no better. Making infants wear masks against all logical reasoning and medical advice. Will kick you off a flight the second it slips off a kids small ears.

Saw a billboard today from WestJet with a masked flight attendant arms crossed and a scowl, with the caption “Safety above all”. Who falls for this crap? Soon the policy will be “no breathing allowed on flights and all passengers will be sedated and placed in a coffin, because “safety at any cost”.

I hope they go bankrupt from the way they have treated people and this over the top attitude for people attitude in the name of “safety”.

#117 Love_The_Cottage on 10.13.20 at 11:26 am

#111 Dharma Bum on 10.13.20 at 10:47 am
Just flew back from Alberta.
__________
AC is trying to make money during a time with very few passengers. Which part of the trip was a surprise to you? What you describe doesn’t sound like fun, but it sounds 100% predictable.

#118 IHCTD9 on 10.13.20 at 11:35 am

#110 YVR Expat on 10.13.20 at 10:46 am
#108 IHCTD9 on 10.13.20 at 10:23 am
#19 Reality is stark on 10.12.20 at 2:16 pm

In the normal order women had power early and men had it later. Family court is now structured so that women keep their early power and the courts allow them to have the balance of power later as well.
___

“Winning” in family court is not power or influence. Usually it just means you made less money than your soon to be ex. The ladies pay alimony and child support too – and it is getting more and more common.

Women for a short while, once held the keys to ultimate power: family and sex. It did not last very long before feminism and modern Western culture in general pretty much obliterated it.

If you take a realistic look at it – Western Men today have never had it “better”, and they can (ironically) thank feminism for a lot of it. Most of the “benefits” afforded Women by feminism have removed responsibility from Men, and placed it on the shoulders of Women.

Outside of a legally binding union – it’s basically a free-for-all for Western Men.

********************************

When my brother broke up with his gf of 5 years, she took him to court. Why? Because the house he owned gained a lot in value, and as a common law girlfriend she thought she was entitled to the gains. She won, and he had to take out a loan to pay her off. While they were living together – she paid the utilities/internet/etc, and he paid the mortgage (not balanced at all). She had a better job with a employer matched RRSP, he worked trades and had no RRSP plan.

Tell me again how modern courts are fair to women?
___

Go read the last sentence of my post a little slower. Sure, if you get married/common-law you lose control of basically everything.

It sucks, but the way courts handle common-law relationships these days, it necessitates a Lawyer visit. If you don’t know what you’re doing – it just ain’t worth the risks you assume via living together.

#119 YVR Expat on 10.13.20 at 11:39 am

#111 Dharma Bum on 10.13.20 at 10:47 am
Sooooo….
Just flew back from Alberta.

Air Canada, as they typically do, cancelled my original booking, and rebooked us on a different flight. Their laughable explanation for this unilateral change was “due to a government travel advisory…”.

Yah, sure. The 3:30 flight is cancelled due to a “government advisory”, so we’re sticking you on the 1:30 flight instead.

They are shameless pigs.

Every 2 seconds there is an annoying announcement about how Air Canada cares about their passengers’ health and safety, so keep those masks tight around your kissers folks.

In the meantime, they consolidate all of their flights into one or two (as they are wont to do at the best of times) and CRAM passengers onto their outdated crates.

No word of a lie; our flight was FULL. jam packed. Sitting shoulder to shoulder with the masked, unwashed masses.

Oh, and ZERO in flight service….due to COVID, of course.
********************************

The airlines are on the verge of bankruptcy, just be glad you were able to fly.

Post-pandemic, the jet-set crowd will be reserved for the rich and famous.

#120 IHCTD9 on 10.13.20 at 11:57 am

#113 crowdedelevatorfartz on 10.13.20 at 11:07 am
@#108 IHCTD9
“Outside of a legally binding union – it’s basically a free-for-all for Western Men.”

++++

Never been divorced?
___

Not yet!

The points made were in regards to Men who are NOT in a legally binding relationship.

#121 Don Guillermo on 10.13.20 at 12:00 pm

#81 the Jaguar on 10.12.20 at 8:19 pm

Don Guillermo already has his bag packed for his November 2nd flight out to Mazatlan.
I can hear the Mariachi band getting tuned up for his limo escort to YYC as I write this…..

****************************************
Hey Jag, thanks for remembering. Unfortunately our early November flight was cancelled. My guess is not enough gringo traffic to Maz compared to the big 3 (Cancun, PV and Cabo). We are booked into Cabo Oct 31st, will decompress there for four nights and then Aero Calafia over to Maz. I’ll keep you posted.

#122 Don Guillermo on 10.13.20 at 12:08 pm

#95 Nonplused on 10.13.20 at 1:02 am

Once the ring-road work in the SW is complete I imagine all of Springbank will be less than 45 minutes from downtown, but while the pylons are everywhere it is a mess. That same ring-road work is going to fix up 14th street and also highway 8, so everyone is getting a lot closer to where they want to go. To bad there isn’t any parking.

“””””””””””””””””””””””””””””
The new section of the ring road that just opened up is incredibly beautiful. I took a drive to the new Costco to pick up some 91c/l gas and some of my favorite wines. Took less than 15 min from inner city. Can’t wait for the rest to open.

#123 Sara on 10.13.20 at 12:26 pm

#110 YVR Expat on 10.13.20 at 10:46 am
When my brother broke up with his gf of 5 years, she took him to court. Why? Because the house he owned gained a lot in value, and as a common law girlfriend she thought she was entitled to the gains. She won, and he had to take out a loan to pay her off. While they were living together – she paid the utilities/internet/etc, and he paid the mortgage (not balanced at all). She had a better job with a employer matched RRSP, he worked trades and had no RRSP plan.

Tell me again how modern courts are fair to women?
==================================

Actually, the same law applies to both genders. If the situation were reversed such that the house belonged to your brother’s girlfriend, he would also have been entitled to the gain in value of her house.

Moral of the story for *both sexes*: if you own a house and invite your significant other to live with you, you invite them to share in the capital gains of your house.

#124 SHANE GALLANT on 10.13.20 at 12:37 pm

What’s to come Garth? Give us details..

#125 IHCTD9 on 10.13.20 at 1:01 pm

#123 Sara on 10.13.20 at 12:26 pm

Moral of the story for *both sexes*: if you own a house and invite your significant other to live with you, you invite them to share in the capital gains of your house.
____

…and a host of other unforeseen things could jump up and bite you in the @ss on top of that even. Just forget about it if existing kids are involved.

Best see a lawyer before instead of after. Or don’t shack up unless you’re broke with no assets. Way too many horror stories out there when incomes/assets are not matched well.

#126 The Republic of Albertastan on 10.13.20 at 1:08 pm

And that only saves $600M….!

https://www.theglobeandmail.com/canada/alberta/article-ucp-government-to-cut-up-to-11000-jobs-at-alberta-health-services/#comments

#127 Elon fanboy on 10.13.20 at 1:08 pm

#69 Stone…” Apparently, the anti-masker shit is back to being a thing here.”

The CDC just published a study where 85% of Covid infected sample stated they wore masks. Many examples a mandatory mask laws and cases still go up, e.g. Hawaii.

I’ll stand with Ace on this one.

“ Right now, more than any time in history, it is important for everyone to be skeptical of what we are told. Ask questions. Do not believe things. When you get threatened for having an opinion that is not mainstream, stand up for it. Fight back.”

#128 YVR Expat on 10.13.20 at 1:22 pm

#123 Sara on 10.13.20 at 12:26 pm
#110 YVR Expat on 10.13.20 at 10:46 am
When my brother broke up with his gf of 5 years, she took him to court. Why? Because the house he owned gained a lot in value, and as a common law girlfriend she thought she was entitled to the gains. She won, and he had to take out a loan to pay her off. While they were living together – she paid the utilities/internet/etc, and he paid the mortgage (not balanced at all). She had a better job with a employer matched RRSP, he worked trades and had no RRSP plan.

Tell me again how modern courts are fair to women?
==================================

Actually, the same law applies to both genders. If the situation were reversed such that the house belonged to your brother’s girlfriend, he would also have been entitled to the gain in value of her house.

Moral of the story for *both sexes*: if you own a house and invite your significant other to live with you, you invite them to share in the capital gains of your house.
**********************

And people wonder why the marriage (and cohab) rate is dropping…

#129 Guelph Guru on 10.13.20 at 2:36 pm

Yesterday, while driving around to see fall in its full bloom, noticed a lot of Condo complexes springing up everywhere. The city requires that 70% units should be sold before const starts. So a lot of folks have coughed up some serious money to get these projects started. The condo correction of GTA has not yet reached Guelph, I guess. With all the job loses and the recession going on, where is the money coming from. CERB? Or the money laundering theory is true? I’m really confused now.

#130 Stone on 10.13.20 at 2:39 pm

#128 YVR Expat on 10.13.20 at 1:22 pm
#123 Sara on 10.13.20 at 12:26 pm
#110 YVR Expat on 10.13.20 at 10:46 am
When my brother broke up with his gf of 5 years, she took him to court. Why? Because the house he owned gained a lot in value, and as a common law girlfriend she thought she was entitled to the gains. She won, and he had to take out a loan to pay her off. While they were living together – she paid the utilities/internet/etc, and he paid the mortgage (not balanced at all). She had a better job with a employer matched RRSP, he worked trades and had no RRSP plan.

Tell me again how modern courts are fair to women?
==================================

Actually, the same law applies to both genders. If the situation were reversed such that the house belonged to your brother’s girlfriend, he would also have been entitled to the gain in value of her house.

Moral of the story for *both sexes*: if you own a house and invite your significant other to live with you, you invite them to share in the capital gains of your house.
**********************

And people wonder why the marriage (and cohab) rate is dropping…

———

I guess the solution is to get involved with someone who is already married. You can’t be considered married to 2 people at the same time.

Before anyone says it, no, I’m not for that. I’m just saying legally, nothing to be claimed.

#131 NSNG on 10.13.20 at 2:39 pm

Moral of the story for *both sexes*: if you own a house and invite your significant other to live with you, you invite them to share in the capital gains of your house.

===================================

get a prenup

#132 Stone on 10.13.20 at 2:41 pm

#129 Stone on 10.13.20 at 2:39 pm
#128 YVR Expat on 10.13.20 at 1:22 pm
#123 Sara on 10.13.20 at 12:26 pm
#110 YVR Expat on 10.13.20 at 10:46 am
When my brother broke up with his gf of 5 years, she took him to court. Why? Because the house he owned gained a lot in value, and as a common law girlfriend she thought she was entitled to the gains. She won, and he had to take out a loan to pay her off. While they were living together – she paid the utilities/internet/etc, and he paid the mortgage (not balanced at all). She had a better job with a employer matched RRSP, he worked trades and had no RRSP plan.

Tell me again how modern courts are fair to women?
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Actually, the same law applies to both genders. If the situation were reversed such that the house belonged to your brother’s girlfriend, he would also have been entitled to the gain in value of her house.

Moral of the story for *both sexes*: if you own a house and invite your significant other to live with you, you invite them to share in the capital gains of your house.
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And people wonder why the marriage (and cohab) rate is dropping…

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I guess the solution is to get involved with someone who is already married. You can’t be considered married to 2 people at the same time.

Before anyone says it, no, I’m not for that. I’m just saying legally, nothing to be claimed.

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That, or, reside in Quebec.

#133 Sunnyways on 10.13.20 at 3:05 pm

#92 dosouth on 10.13.20 at 12:12 am
A lot of unhappy government workers in BC who have been ordered back to work. Huh, we don’t get to stay home and make a 100k plus in our PJ’s while others have been at work for months….how dare those NDPer’s

https://tinyurl.com/y582nclyp

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Yes the howling is deafening. My wife is involved and it is hysterical what many of these civil “servants” have done to themselves. It seems many if not the majority of them believed they wouldn’t be called back to work until the pandemic was over. So if the pandemic lasts for 3 years they will be able to work from home for three years.

Turns out they structured their new lives around this hallucination. Many have not enrolled their children in school because -being civil thieves- they have almost no workload. So they decided they could home school their children while “working from home”.
Now they are livid! How will I educate my children if I have to work for the money I am being paid!!!??!!
Also, it turns out many got side gigs going while working from home. How will I double dip and receive two incomes if I have to actually work for the money the taxpayers are paying me!!!??!!

Also, Kelowna is boring, but that’s not necessarily a bad thing. Please stop writing small essays about how personally offended you are that someone called your hometown boring or something. Get over it.
We are all Trueadonians now anyway.

#134 Scotia 88 on 10.14.20 at 12:31 am

[…] ‘average prices have topped a million in Mississauga, where Costco is a cultural destination’.

Genius! Thank you.

#135 Tarot card on 10.14.20 at 10:35 am

Negative interest rates.

Five countries have negative rates. That was as of April, cannot find anything more recent.

The 5 Countries With the Lowest Interest Rates
Switzerland. The Swiss National Bank reported an unchanged benchmark of a three-month Libor of -0.75%. …
Denmark. The primary interest rate in Denmark is the certificates of deposit rate set by the Central Bank of Denmark. …
Japan. The Bank of Japan reported an unchanged interest rate of -0.1%. …
Sweden. …
Spain.

So I guess my question what happened in these countries that had dire effects on the economy and its people.