Going wild

The slimy little pathogen has changed much. For those who have not actually been infected or punted from their job or business as a result, the next greatest impact is surely with real estate. Not just in Toronto. Or urban Lunenburg. Or Montreal and Vancouver, Barrie and Kelowna – but everywhere in North America.

It’s a continent-wide phenom. The identical trends are happening in NYC, Denver and Dallas. And for the same reasons.

  • Mortgages are dirt cheap, especially in Canada (although Americans can lock in for 30 years). Suddenly people can borrow more and spend more, so they are.
  • Space is a thing. WFH means people want to nest in a large, safe, bug-free environment with a door to the street and a yard for the dog. Or even a child, if necessary. So detached is big.
  • The burbs are hot. Ridiculously, impetuously and foolishly torrid. Look at the average box in the Mississauga tundra – now well over $1 million, and climbing. Those demented Millennial buyers think they’ll never have to commute again and are moving to London, Peterborough and Niagara (as well as Kamloops, Nanaimo and Hope). So cute.
  • Urban cores are unloved. Rents falling. Amateur landlords freaking. Condo inventory stacking up. Prices in decline. Soon the dudes living under bridges will afford to have a one-bedder on the 48th floor.

As mentioned here the other day, most WFHers are in sectors that continue to pump out full salaries (teachers, civil servants, financial). Their overhead is down, savings are up and they’re nesting as never before. Covid has deeply affected the psychology of hundreds of millions in Canada and the US. Cocooning is the new holy grail and recency bias makes them believe that life today is setting the pattern for tomorrow – a world where everyone works from the spare bedroom, cash flow is great, home loans are 1%, employers are benevolent and remote and you can stay inside, never again pulling on pantyhose or office slacks.

So what’s happened in the midst of the first global pandemic since 1918 with millions unemployed and the nation locked down?

About 545,000 houses will sell in Canada this year. That’s a record. Up 11% from last year, when nobody wore a mask, jumped off the sidewalk or refused to shake your hand. Across Canada average prices will finish the year ahead more than 7%, or twice the long-term level. In Ontario the property gain is 17%. In The GTA the average sale price climbed $112,000, or 13.3%, during the virus. These gains radiated out across the region, as they did in the Lower Mainland.

So where did prices rise the most in this hoary hinterland?

Belleville, Woodstock, Muskoka – all up 30% or so. Next in line were places where bears and beavers hibernate – Barrie, Bancroft, Brantford. Plus the hick cities of London, Guelph, Owen Sound and Peterborough. If you think the Canadian Tire parking lot is a destination and camo pants are a fashion statement, this is your moment, baby.

So, will these trends hold? It’s a huge question for those who have gambled in moving away from the workplace, paid an historically-high price for non-urban real estate and snorfled a steamy pile of debt at the lowest rate on record. If the virus continues, WFH becomes permanent, some dude in Mumbai doesn’t get your job, you don’t have to commute two hours, the vaccines fail and the economy is so weak mortgage rates are still at 1% in five years, then you win. Maybe.

But the odds are more like this: the herd gets vaxed. Virus cases fall precipitously by Q3 of 2021. The economy reopens gradually, but steadily. The boss calls. You’re wanted back in the office, three days a week to start. Consumer spending leaps higher after a year of quarantines and lockdowns. Inflation rips a bit. The bond market gets aroused. Yields pump and by the time your mortgage comes up for renewal, the rate’s doubled. Meanwhile over the next two or three years the universities reopen. Immigration is stepped up to four hundred thousand a year. The downtown repopulates. GDP growth hits 5%. What was old is new again – the burbs are for raising golden retrievers. The city is for careers.

Everything starts changing in six weeks.

Meanwhile, don’t pet the moose. They bite.

About the picture: “A bad dog owner dumped this wolfdog at a kill shelter when he got too big and too much to handle. Luckily a sanctuary took him, instead and saved his life! His DNA testing came back as 87.5 % Gray Wolf, 8.6 % Siberian Husky, and 3.9 % German Shepherd.” – Bored Panda

156 comments ↓

#1 TurnerNation on 12.22.20 at 3:02 pm

#184 millmech on 12.22.20 at 10:04 am- sadly this is a War for our Minds, and what you’ve detailed is not unique. How does one support their loved ones at this time. If behavior becomes increasingly downward spiraling.
Must Read, millmech’s post https://www.greaterfool.ca/2020/12/21/the-lockdown/#comment-756209

– All because of what the totally healthy people were shown on their telescreens. Nothing more. Nothing Less.
When I make blanket statements like “The world fell that one week back in March” or “CV is the new global religion with its rituals” this is what I mean.
This is the Shell Shock of our generation. Next year it will be CV-20, CV-21, mayeb all the way until 2025. The sell job has begun using “mutations”. The Long Game.

It’s endless how they hold us hostage using a Needle. Now, that we must collapse and lock the economy else you will not get access to surgeries and cancer treatments. On and on.
Only two weeks, then only 28 days, no. It will be years at this rate the needle is false hope yet again they are holding over our heads. People haven’t yet realized. This is not about our health. Once you get that *every* piece of information being fed us furthers our enslavement it all makes more sense

#2 Stone on 12.22.20 at 3:03 pm

As mentioned here the other day, most WFHers are in sectors that continue to pump out full salaries (teachers, civil servants, financial). Their overhead is down, savings are up and they’re nesting as never before.

———

I wonder when employers start chopping salaries. Up to a 15% decrease is not considered constructive dismissal. Anybody experience this yet?

#3 DON on 12.22.20 at 3:09 pm

https://www.globalpropertyguide.com/news-uaes-housing-market-continues-to-struggle-4177

https://www.bloomberg.com/news/articles/2020-12-22/u-s-existing-home-sales-decline-for-first-time-in-six-months

#4 Mr Happy on 12.22.20 at 3:10 pm

Everything will change Jan 6th. That clown is going to throw a curveball and the poopie is going to hit the fan….

Just saying’…..

#5 mj on 12.22.20 at 3:11 pm

if the economy gets worse in the first half of 2021. Don’t you think the bank of Canada will do more, and cause rates to go lower. In turn make houses even more expensive?

#6 Red falcon on 12.22.20 at 3:13 pm

So… the sheeple has spoken… and now will be trimmed once the time is right! Eventually inflation will over take them and then there will be a reckoning! Called it.

And… first!!!

#7 Apocalypse2020 on 12.22.20 at 3:30 pm

“Trump threatens 30-day reign of destruction on the way out of office”

“….there’s never been a time when he has been subject to as few restraining influences or has had a bigger incentive to cause disruption.”

“Trump can further damage the United States in the coming days in two ways — by aggressive design and by his passive neglect of his sworn obligations to lead.”

“….there is concern among executive office staff and the military’s leadership that Trump could use his power as President and commander in chief in dangerous ways in the last days of his term.”

“Trump’s loss of composure is grave enough from a domestic point of view. But it sends a signal to US adversaries of a vacuum of leadership. His bizarre refusal to endorse his government’s assessment that Russia is behind the cyberattack suggests there is a 30-day window of impunity for enemies dedicated to tarnishing US national interests. The thought of an agitated, emotional President faced with any sudden foreign policy crisis is not a reassuring one.”

https://www.cnn.com/2020/12/22/politics/donald-trump-white-house-countdown/index.html

TOTAL CATASTROPHE LIES AHEAD

Stock up

Fuel Up

Leave major urban centers

PREPARE

#8 Penny Henny on 12.22.20 at 3:41 pm

#192 Phylis on 12.22.20 at 11:32 am

Fwiw I did the twinrix, first one, nothing. Second one, milf fever and dizzy for a day. I recommend on planning a light day after the second one.
/////////////

Milf fever, I’ve had that. Hard to shake.

#9 Big Mac on 12.22.20 at 3:45 pm

«by the time your mortgage comes up for renewal, the rate’s doubled»

5 years is a long time, chances are the house gained 30-40% during that time.

I doubt most people that bought since march did it to WFH.

If rates will rise (they will) houses will not gain 40% in five years. Regardless, will incomes surge? – Garth

#10 Prince Polo on 12.22.20 at 3:47 pm

Currently a “loser” renter in central ‘Sauga. Prices for 1-bedder would have to drop at least 150-200K from current list prices for it to make sense to make the switch to ball-and-chain territory. Meanwhile, 60/40 getting juiced reg’larly whilst also compiling a “rip-roarin’ ” fund (R-RF); R-RF allocation to be unleashed like the Kraken onto the tourism/resto industries once that lil’ vax prick comes-a-callin’.

#11 Trudeau on 12.22.20 at 3:48 pm

Be concerned not, fellow Canadians.

We’ve got this under control

kind regards

J Trudeau

bwahahahahahahahahaha

#12 Dogman01 on 12.22.20 at 3:50 pm

#202 Scarf Murmur on 12.20.20 at 8:34 pm

The powers have seen the rise of China and reached the following conclusion:  Personal and political freedom can be unchained from economic freedom.The end of liberty is upon us. Through fear, coercion and government edicts.
 ———————————————————
After WWII the “powers” realized they had a highly trained, motivated and organized segment of the population whom will not accept going back to the old society. Hence we found ourselves with decades of middle class prosperity.
Later we still had a semi credible threat to our establishment with Soviet Communism hence they needed to display the merits to normal people of our system. A few more decades of middle class prosperity.

Once Soviet Communism fell there was no alternative so bring on Globalization, falling living standards and massive wealth inequity.

I think you are on to something, with AI, mass immigration, more Globalization, they simply no longer need the western middle class very much. China has indeed showed them that they can have unassailable rule, privilege and wealth without all that pesky Liberty and prosperity for the masses. 

#13 Robert D on 12.22.20 at 3:54 pm

Hello young man with the solid abbs thanks for keeping me sane threw this rather climactic year. Seasons greetings to you and your family. Keep safe!

#14 KNOW IT ALL on 12.22.20 at 3:59 pm

Or there is a shift in corporate logistical strategies.

Instead of everyone working under 1 big roof in 1 congested city the departments are split into smaller buildings spread across the suburbs.

Our economy shifts from GLOBAL TO LOCAL.

YEARS BEFORE COVID LEAVES US.

Your being too optimistic…. Q3 2021 – Not a chance!

#15 Joe on 12.22.20 at 4:01 pm

Jesus… that’s terrifying. 87.5% wolf is not a dog or a “wolfdog”, it’s a wolf. I hope the neighbours keep the kids locked up.

#16 vancover help on 12.22.20 at 4:07 pm

Hi Garth,

As always you are a true shinning star on this granite planet.

I think you forgetting a couple of things.
Housing is the greatest pyramid scheme ever and when it goes it goes.
Everyone that could move did and now are stuck with that decision.
We have 1.8 million estimated unemployed and after boxing day I am guessing that will be 2.8 maybe more depends on how they count it.
Ontario locking down the economic engine of the country 28 days maybe more, that once laughable crazy Liberal e-mail from October is getting scary correct.
Government handouts and this is the key, as no money means the party’s over.
The Liberals are in charge and if they can’t make things worse the NDP will help.
When I see good looking women with once lonely Doomsday Preppers its time to take our heads out of the sand.

All the best

#17 Erick on 12.22.20 at 4:10 pm

“Everything starts changing in six weeks”

You are an incorrigible optimist Garth :)
We shall expect quite a few ups and downs down the path

#18 Bartman on 12.22.20 at 4:14 pm

You are vintage Garth. A pair of slacks. Have not heard that in quite awhile.

#19 sailedaway on 12.22.20 at 4:14 pm

#7 Apocalypse2020 on 12.22.20 at 3:30 pm

“Leave major urban centers”

——————————————–

That would be ‘centres’. We’re not in Trumplandia

#20 steve on 12.22.20 at 4:18 pm

As mentioned here the other day, most WFHers are in sectors that continue to pump out full salaries (teachers, civil servants, financial). Their overhead is down, savings are up and they’re nesting as never before.

———

I wonder when employers start chopping salaries. Up to a 15% decrease is not considered constructive dismissal. Anybody experience this yet?

—–

I work for Canada’s largest P&C insurer. We have received our full bonus and salary increase.

But I’m in a revenue generation function of the business. Other areas of the business has experienced pay freezes.

Depends on whether you are producing, or maintaining. Production will be treated well. Maintenance or servicing roles may not be treated as well.

#21 sailedaway on 12.22.20 at 4:19 pm

#12 Dogman01 on 12.22.20 at 3:50 pm

“I think you are on to something, with AI, mass immigration, more Globalization, they simply no longer need the western middle class very much. ”

——————————————-

Mass immigration might not be such an issue in the future.

A lot of people in what we call the third world don’t need us, they are becoming middle class (covid shall pass)

A lot of people are fully aware that non Canadian credentials are not recognised in Canada (that would be after having been told the opposite whilst being encouraged to immigrate and after having paid fees)
There’s a limit to how many realtors can work in Brampton, Richmond or Markham…

A lot of people have seen how immigrants have been stuck abroad with zero information from Canada.

#22 Big Mac on 12.22.20 at 4:31 pm

If rates will rise (they will) houses will not gain 40% in five years. Regardless, will incomes surge? – Garth

Income will not surge, but it seems that the fact that you were better to buy a house yesterday instead of today remains true. I bet it will stay true for people that bought since march, especially if they locked for 5 years at 1.5%.

#23 Ubul on 12.22.20 at 4:31 pm

If experimental vaccines were investment vehicles, they were considered more risky and speculative than bitcoin.
Placing trust in them for starting to change everything in six weeks is more like gambling, rather than investing.

I said things start to change in six weeks. Start. You know, like… begin. And yes, the vaccine will change everything over the course of 2021. – Garth

#24 Arthur Clarke on 12.22.20 at 4:34 pm

You don’t know what you are talking about. I predicted the internet and working from home in 1967. Why would anyone want to live in a big dirty city full of homeless and drug addicted people?

https://youtu.be/bXxyCyDEaEg

#25 I've seen a lot of ... on 12.22.20 at 4:35 pm

moose bite the dust over the years. But never a person. Never.

#26 Paul on 12.22.20 at 4:44 pm

5 mj on 12.22.20 at 3:11 pm

if the economy gets worse in the first half of 2021. Don’t you think the bank of Canada will do more, and cause rates to go lower. In turn make houses even more expensive?
————————————————————————————————
The bank of Canada will open the taps a little MORE cant hurt!

Immigration is stepped up to four hundred thousand a year.
Those folks are going to need a place to sleep. What bubble?

A lower central bank rate (unlikely as that is) will not drop fixed-rate mortgages. – Garth

#27 zoey on 12.22.20 at 4:46 pm

Thats an awesome dog … All the dogs in my area it seems are the tiny 3lb’ers that never stop barking.

If people need more space at home due to COVID I get it move ….but moving out of the city because you think you won’t catch it is laughable.

“If you think the Canadian Tire parking lot is a destination and camo pants are a fashion statement, this is your moment, baby.” hahahahaha. Garth, I love it.

#28 Dolce Vita on 12.22.20 at 4:47 pm

1920’s America saw more people living in cities than farms, first time in their history.

2020’s Canada is seeing people migrating from DT cores to suburbs or the forest primeval (that latter I think a good thing for the soul).

Pandemics will do that to you. Fear of catching a disease in crowded places like DT’s (well, N. American DT’s with their copious concrete, glass, steel phallus jutting into the sky with little elbow room between them).

I do not think people will migrate back to the DT Garth in terms of domicile since Cdn RE is ridiculously overpriced and a lifelong commitment paying it off. Nobody walks away from that willingly just because there is a vaccine.

You know:

“Oh look, there is a vaccine. Thus, I should resell the home I just bought in the ‘burbs or sticks right away and go back to the DT sardine can towers for living and working.”

THAT makes no sense to me whatsoever. None.

This WFH phenom may well become permanent and an outfall of Covid (and technology enables it).

Only caveat is that we’ll see that does to productivity. But if most employers enable WFH then it will not matter, everyone will be in the same productivity boat.

Hey, Google XXX Cityscapes 1950’s where XXX = Cdn city of your choice with current concrete, glass and steel copious phallus jutting into the sky.

Won’t you be surprised…as in Flat Earth.

#29 Bill on 12.22.20 at 4:47 pm

Cool Pooch!
Large corps realized they will never need office space like they had…A money saver and a game changer.
Retail space as well, a bad place to be invested.
Glad I have commercial industrial warehousing and office space for construction engineering companies. They have never been busier.

#30 bucket55 on 12.22.20 at 4:53 pm

So, have you gotten into a bad batch? Rural people rule ! Rye is better.

#31 Trudeau’s Magic Money Machine on 12.22.20 at 4:58 pm

It really is gonna be okay.

With all the dollars I’m printing You might want to start a few positions in Canadian oil stocks while they are still cheap, going to the moon soon I hear.

#32 Dolce Vita on 12.22.20 at 5:00 pm

Most interesting to me is what will emerge when the pandemic is over what with Cdns and companies sitting on a whack of cash and looking to spend it somehow?

I mean this OVERLORD argument of yours Garth (i.e., Boss orders you to work DT in an office) holds little water to me. If I am a valued employee I would just tell you this:

“Your services as an employer are no longer needed, I am very good at what I do, other WFH employers have taken note and made me lucrative offers; hence, adios former amigo.”

People have lost jobs in DT cores in arts, entertainment, restaurants etc. and many of those will fail and for good.

BUT if you believe in Creative Destruction something newer and better will come from that.

With Canada awash in cash, courtesy of hapless Gov’s Canada, the money is there…now what new business models emerge is what intrigues me to no end.

There are many clever people out there…let’s see how the reinvent the Post Pandemic World.

#33 Andrewski on 12.22.20 at 5:03 pm

Interesting Trump insider perspective for those who care:

https://www.vanityfair.com/news/2020/12/michael-cohen-predicts-trumps-post-presidency-legal-drama

#34 Dogman01 on 12.22.20 at 5:05 pm

#21sailedaway on 12.22.20 at 4:19 pm

Immigration is just one of the tools used for wage suppression. Globalization, Technology and Inflation being the other tools.
Unfortunate that Immigration is not tied to our unemployment rate, it receives the “intruders welcome” while 10%+ of Canadians are unemployed.

Note sure the attractiveness to newcomers, a lifetime of debt for shelter in a Cold dark place for  Amazon warehouse workers and uber driving opportunities, I don’t see the economic appeal, but then again other places are probably worse.   (like maybe Hong Kong if things continue)

#35 Bezengy on 12.22.20 at 5:07 pm

Emailed my bank yesterday. Told them to forget my simple request to transfer funds from a LIRA to a LIF. I must have spent 5 hours on hold with these guys since October, not to mention the time filling in forms etc. They simply cannot get the job done. I always ask them, “are you working from home?” The answer is always yes. I have my doubts that most people working from home are as productive as they were from the office. I’ll wait till they back to the office before I try again.

#36 Dogman01 on 12.22.20 at 5:07 pm

#16 vancover help on 12.22.20 at 4:07 pm

“Ontario locking down the economic engine of the country 28 days maybe more, that once laughable crazy Liberal e-mail from October is getting scary correct.”

Here is a copy to fact check….

https://usercontent.one/wp/www.moet-wakker.nl/wp-content/uploads/2020/10/Is-this-leaked-info-really-Trudeaus-crazy-COVID-plan-for-2021-You-decide-…-The-CANADIAN-REPORT.pdf

#37 Joe on 12.22.20 at 5:09 pm

Detached in burbs is king (or queen). Viruses are going to become more frequent as humans are destroying animal habitat. Why flock back to downtown? Besides, the burbs amenities are growing so downtowns are becoming even more irrelevant. Especially Toronto which has nothing to see, no parks and stale.

#38 Bill on 12.22.20 at 5:15 pm

If there any shorter term traders out there…
I bought a pile of USD last week as the loonie (Used toilet paper and T2 is doing his best to debase) had a smokin rally since the crash.
CERB fools should understand that inflationary policies make that crappy little hand out, in time, will be inflated away.

Bullish sentiment remains at a multi-decade extreme, and I prefer doing the opposite of everyone else by preparing for the next major drop in stocks.
Higher cash levels is ok at this time.
Gold and silver had a breakout of a bull flag last week.
I was 90% cash Feb.
I hate mania type markets.
Garth said no 40% increase in RE the next 5?…all but guaranteed. Don’t be a sheeple.

Sail away….sold your house for 2 mil?! I guess you can get by on that..
5-10mil is considered wealthy these days. Inflation Nation.

#39 George on 12.22.20 at 5:16 pm

https://torontostoreys.com/average-home-prices-ontario-increase-2021-crea/

uppa uppa

lol, what a mess

#40 Camille on 12.22.20 at 5:25 pm

Garth you write “Everything starts changing in six weeks”, “virus cases fall precipitously by Q3 of 2021”, and “over the next two or three years the universities reopen”.
WOW. Two to three years!!! But things will start looking better when mass vaccination kicks in I think you mean.
Yesterday’s UK scare and corresponding market fear was not good (but lasted less than a day). We really need momentum to start the other way.
Many health care workers hesitant to get vaccinated. These things are so strange.

#41 Diamond Dog on 12.22.20 at 5:28 pm

#28 Dolce Vita on 12.22.20 at 4:47 pm

Canada is unique in that we have a huge land mass coupled with a population that leaves us room to immigrate to 50 million over time. By doing so over the long term, Canada reaps the benefits of an expanding real estate industry, solid financials and can grow GDP more quickly to dilute public debt papering over many of our misgivings and flops.

In other words, we can grow our way out of our current debt pickle but not without good leadership, immigration and changing the vibe of Canada. This choice is somewhat forced on us now or we’ll face asset deflation (real estate and debt bubble collapses and all that follows). What we can’t do is continue to take on so much debt that it becomes unsustainable and I think we’re hitting it publicly and in households now.

Things will fundamentally recover next year and vaccines will have a lot to do with this but I’m not at all convinced it will be a strong recovery anywhere in North America and the markets will likely go one of two ways: we’ll either see a slow correction beginning in early January that bottoms into an ugly 30% correction in March and a slower than expected recovery regardless of expectations of pent up demand for Q3, or the markets will continue to ascend and crash even harder in late fall but there will be an ugly bottom at some point in 2021. There’s just been too much economic damage done and valuations are high. My thoughts anyhow.

https://www.multpl.com/s-p-500-price-to-sales

https://www.multpl.com/shiller-pe

https://www.multpl.com/s-p-500-pe-ratio

#42 Burnaby Boy on 12.22.20 at 5:36 pm

#2 Stone. Yea. Back in 2004 we care aides had a 15% rollback at the hospitals in BC but were “allowed” to make up some of it by having a longer rotation – lucky patients.. The kitchen staff and cleaners suffered a 50% roll back. You can imagine how that affected my pension. And needless to say the much valued frontline workers in the covid crisis are still waiting for a make up in pay – nice to be appreciated. Whatever you say, chief medical officer.

#43 Mathew S Gibson on 12.22.20 at 5:37 pm

#25 I’ve seen a lot of …
moose bite the dust over the years. But never a person. Never.

My sister was bitten by a moose.

#44 Dolce Vita on 12.22.20 at 5:42 pm

You know Garth, what the Post Pandemic World will look like really does intrigue me (and you as well as you’ve taken numerous stabs at it in many of your Blogs as of late).

Here’s my take:

1. WFH here to stay. Very good talent will demand that or seek employment where that is offered. Saves on daycare, a lot of other day to day headaches and most people are diligent and will give their employer the pound of flesh demanded…maybe more just to have WFH.

2. People will become more self sufficient in case there is another Pandemic just around the corner. Veggie gardens ought to flourish as will local produce (as in not imported from some pariah nation from the other side of the World). More local markets and people learn to eat what is seasonal (hard for frozen Winter Canada but again, there are clever people that will find a way around that). And maybe Gov’s Canada find a way to support those willing to find a way around “that”, you know, like tax breaks for people that want to make massive greenhouses for fruit and veggies and not just marijuana.

3. More automation in transportation. People will be happier when there are less grimy hands in the process of getting them from A to B and their stuff. So autonomous vehicles, autonomous transport ought to emerge and of course, the greener, the better.

4. Refunding of healthcare (rather than lowering the curve, better to raise the bar) and intelligently with contingency plans for the next pandemic…raise the bar of services instead. Provide incentives to healthcare workers to enter the field and those in it already. Also, fund a vaccine plant in Canada even if at a loss After all, healthcare save lives. And if should not be seen as a profit center; rather, a cost centre.

5. Besides automation transport, more individualized autonomous transport to the curb. Instead of crowded busses, airplanes and trains, single or double person vehicles that will take you to your destination and the greener, the better. Put money in those Tesla tubes for near jet travel speeds and smart, autonomous vehicles for one or two people or a family…curbside.

6. Elimination of LTC facilities. Let the elderly live in their homes and provide them with the help they need instead of crowding them into these facilities. Will cost money but all of us will one day age and would you not want to be given the dignity of being cared for in your own home?

I could go on. And I imagine there are a lot of clever people on this Blog that have some great ideas of their own.

Again, intrigued at what the Post Pandemic World will look like. Change it will.

Human nature will see that thru.

#45 S.Bby on 12.22.20 at 5:47 pm

Google will permit employees to WFH until September 2021 at least.

#46 IHCTD9 on 12.22.20 at 5:47 pm

Belleville, Woodstock, Muskoka – all up 30% or so
——-

All of these are on the bleeding edge frontier of “commutability” to the GTA. I’m thinking the WFH’ers are hedging their bets in case they do have to return to the office.

Ms. IH works in one of those cities, and has a co worker who “lives” in Brampton – a “reverse commuter” if you will. He says he “likes driving” (riiight…). I guess he must like dumping 5-600.00/wk on a hotel room too. It’s really insane to think some folks will accept a 2 hr+ one way commute, or 5 of 7 days away from family just for a house, or a job. I worked with a couple dudes commuting from Markham in the past – gaaah!

I guess I’ll just have to keep counting my seemingly perpetual good luck, as it appears the bunker complex is now predestined to soar in value thanks to these totally insane GTA’ers driving the prices up to record breaking levels not just a 100 km away, but now over 200 km away! When did we get this stupid? No matter – I’ll happily sell (for the “right” price). It’ll sit on the MLS till it sells for whatever stupid price I slap on it. I don’t care if it takes 2 years. That’s because I know full well it’s only a matter of time before some dink from the gta will show up and pay it – no matter how hard I’m pounding him.

What say ye MF? Life must be just great in Toronto for folks to work/live over 200 bloody km away from Toronto no? Maybe you can ELI5 that one for me?

I used to joke with my buds about how someday, this area might become a bedroom community for the GTA. They rightfully laughed their arses off. We are 2 bloody hours away from 400 on a good traffic day! yet… here we are.

If WFH holds out, and/or prices in the gta keep mushrooming- it’s in the bag! I’ll sell this place for 5-6 times what I paid for it, and pack my bags for a sweet place up highway 62 a ways – juuust out of reach (for now…).

#47 S.Bby on 12.22.20 at 5:49 pm

YVR trending down:

https://www.zolo.ca/vancouver-real-estate/trends

#48 I'm Alright Jack on 12.22.20 at 5:49 pm

Moose bite you? Nah, they’ll stomp you to death though.

That wolf, on the other hand, could do some major biting.

#49 Sun Tzu on 12.22.20 at 5:50 pm

I agree with your post: “But the odds are more like this: the herd gets vaxed. Virus cases fall precipitously by Q3 of 2021. The economy reopens gradually, but steadily.”
What happens if at that time there is another virus/pandemic that covers the world. Covid has weakened us in many ways. Fighting another one for 2 more years is unimaginable. If we had an enemy that didn’t want to engage us in a kinetic war, what could be a better way to wage war?

#50 Tron Light on 12.22.20 at 5:50 pm

Any body think Biden got the actual vaccine or a placebo?

#51 SOMETHINGS UP! on 12.22.20 at 5:50 pm

#23 Ubul on 12.22.20 at 4:31 pm
If experimental vaccines were investment vehicles, they were considered more risky and speculative than bitcoin.
Placing trust in them for starting to change everything in six weeks is more like gambling, rather than investing.

I said things start to change in six weeks. Start. You know, like… begin. And yes, the vaccine will change everything over the course of 2021. – Garth

————————————————————–

GARTH -Settle down now, settle down, simmer. What happened to that bottle of Scotch??

Call DIAL-A-BOTTLE, Skip the dishes, or Uber –

Get a 60oz. and chill out!!

#52 sue on 12.22.20 at 5:51 pm

#36 Dogman
You’re correct. I’ve known about Covid 21 for months now. Oh look, there a mutation coming out of the UK. Right on time for 2021.
Glad the gulags….er Covid detention centers in Manitoba (with the barbed wire fence) are ready for public health and the greater good.

#53 Dr V on 12.22.20 at 5:54 pm

8 penny -ha! good thing I wasnt holding a hot one (beverage)!

#54 bucket55 on 12.22.20 at 5:58 pm

nfb.ca “Borealis” . Say no more.

#55 Cheese on 12.22.20 at 6:02 pm

I continue to net 22k/yr cleaning at a hospital. How do i get one of these nice paying WFH jobs, I’ll do anything.

#56 IHCTD9 on 12.22.20 at 6:10 pm

#5 mj on 12.22.20 at 3:11 pm
if the economy gets worse in the first half of 2021. Don’t you think the bank of Canada will do more, and cause rates to go lower. In turn make houses even more expensive?
—-

BOC at .25 is pretty much tapped out, and they’ve already literally said “it’s up to fiscal policy” from here on in.

Going forward, it’ll be stuff like 30+ year mortgages, maybe lower dp’s, or some other hair brained scheme that will affect prices.

Whatever happens now, will be up to Trudeau and his nimrod caucus in Ottawa.

Don’t forget…

#57 Maximum on 12.22.20 at 6:15 pm

#2 Stone
Yes, wages are down. I’ve been consulting for years, and we went from having too much contract offers at outstanding rates to part time at rates never seen in the last 10 years… -20% ish

Corporations didn’t resume large project yet… Probably waiting for the bug to go

#58 Hilroy on 12.22.20 at 6:17 pm

#12 Dogman01

I think one objective of the West’s elites is harmonization of our work schedule with Asia’s 996 – 9am to 9pm, 6 days a week. This will be the compromise for a return of manufacturing.
A middle class life with home ownership based on 2 incomes , each at 72 hrs/wk.

#59 Tron Light on 12.22.20 at 6:23 pm

#49 Sun Tzu on 12.22.20 at 5:50 pm

The war on the virus will be like the war on terror – it will never end.

#60 Leftover on 12.22.20 at 6:24 pm

High performers who can will continue to WFH and they’ll be able to simply by virtue of being high performers. But they are the exception by definition.

Drones will be drones and the only ones who will continue to WFH are in roles that don’t justify the cost of office space. But, as many have pointed out, these are the jobs most likely to get off-shored. At best their future is gig employment.

So the drones have migrated to the burbs? I hope a job at the local hardware store pays the mortgage.

#61 Q&A on 12.22.20 at 6:41 pm

Garth, a couple of years ago I came across a study that determined that Muskoka is one of the most depressing places to live in Canada. Soon a lot of people will realize that moving farther away from bigger cities was a terrible decision.

https://doppleronline.ca/huntsville/alarming-that-huntsville-placed-in-the-bottom-12-per-cent-of-communities-in-canada-commentary/

#62 CJohnC on 12.22.20 at 6:45 pm

LOL Dolce…..your items 3 – 6. T2 already blew the $ needed for any of that. Look for cutbacks instead. Our government aren’t bright boys and girls.

#63 Love_The_Cottage on 12.22.20 at 6:46 pm

Belleville, Woodstock, Muskoka – all up 30% or so…

If the virus continues, WFH becomes permanent…
________________
Of course the world isn’t binary. WFH actually means work from anywhere but Muskoka is up partially due to baby boomers cashing out of the GTA. Ironically you predicted this 20 years ago in your book about 2020 and don’t mention it now.

#64 Love_The_Cottage on 12.22.20 at 7:01 pm

An actual investing question. LQD vs. BND vs BNDX. Which do you own/recommend right now and why?

#65 Nonplused on 12.22.20 at 7:02 pm

“Immigration is stepped up to four hundred thousand a year.”

That is a new Calgary every 3 years. I don’t see it as being reasonable until unemployment is back down to 4% or so, which could take years.

Also, the Trudeau carbon tax and energy plans will IMHO cripple Canadian competitiveness and result in slow if not negative economic growth, so achieving full employment will be difficult if not impossible.

I mean look at all the loony plans! The latest one is “hydrogen”. Don’t these people know anything about hydrogen? First of all you don’t really find free hydrogen molecules in nature, so you have to get it either through electrolysis or from natural gas. We can argue about the efficacy of using solar panels to power the electrolysis but the natural gas process still releases all the C02 that just burning the gas directly would. Plus it is a slippery little atom, being the smallest of all atoms, and doesn’t like to stay in the tank. You don’t want a high pressure cylinder of that stuff in the garage. And the proposal solves nothing except reducing charge times over electric vehicles by a little bit. But Seamus O’Regan plans to march ahead with the boondoggle anyway. Someone is going to get rich off of it, but Canada will be poorer.

https://boereport.com/2020/12/22/column-all-the-energy-related-holiday-cheer-that-can-be-mustered-hats-off-to-seamus-oregan/?utm_source=daily%20digest&utm_medium=email&utm_campaign=daily%20digest%20email&utm_term=d_d_tznvy&utm_content=digest-story

#66 Dan Y on 12.22.20 at 7:03 pm

I am witnessing WFH in the insurance industry first hand. Company employees are not returning emails or phone calls in a timely fashion (it’s taking 3 times as long to get anything done). Claims handling is backlogged (has been since March) and consumers are getting frustrated trying to getting things repaired or replaced.

I also have been calling the bank (the green one) a few times over the last couple of months to deal with account issues. The wait time for every call has been close to 2 hours. Hopefully the email I just sent will get a prompter reply.

If this is the new service level, shoot me now.

#67 theoryAndPractice on 12.22.20 at 7:07 pm

https://www.youtube.com/watch?v=z0DAnu5Sq6k

R.I.P

#68 Apocalypse2020 on 12.22.20 at 7:15 pm

BREAKING NEWS

Israel’s government collapses, triggering fourth election in 2 years

https://www.cnn.com/2020/12/22/middleeast/israel-government-collapses-intl/index.html

Trump and Benny now have a stunning mutual interest in distraction. Quickly.

War with Iran?

The chances of that have just increased 500%.

PREPARE

#69 yvr_lurker on 12.22.20 at 7:19 pm

Don’t assume that WFH does not have its challenges. I am happy to have a job I really love, but there has been quite a stress to become really proficient with all of this technology and IT gadgets and software I have had to master in a short time frame to do my job well in this new environment. We are not just sending out emails into the void and watching netflix in the background.

#70 Love_The_Cottage on 12.22.20 at 7:20 pm

#55 Cheese on 12.22.20 at 6:02 pm
I continue to net 22k/yr cleaning at a hospital. How do i get one of these nice paying WFH jobs, I’ll do anything.
__________
What’s your education level? I don’t want to make assumptions but start by going to school when you aren’t working. Ask your friends and neighbours how they are doing. Ask for advice from those doing well. I spent 6 years working full-time and going to school at night. It paid off in the long run. Good luck and thank you for the work you are doing now.

#71 binky barnes on 12.22.20 at 7:20 pm

Be concerned not, fellow Canadians.

We’ve got this under control

kind regards

J Trudeau

——————————————

Mr. Trudeau?! Is that really you?! My idol!!

I just want you to know sir, that I have been championing your fiscal and political talent–not to mention your manly arms and hands–on this bog for many months. I have assured my fellow blog dogs that you have this entire situation under control and that they should sleep well, secure in that knowledge.

Oh my goodness, I am getting all ‘tingly’. Just know that my faith in your talent to guide our nation through these troubled times has never wavered, and I know that nothing is more important to you than the economic well-being of our fellow Canadians. Nothing.

BB

#72 the Jaguar on 12.22.20 at 7:20 pm

Our Chief Medical Officer for the Province of Alberta just got an early Christmas present. Significant snowfall just two days before Christmas Eve here in the great province of southern Alberta. ( yeah, I might cast a vote to separate from those hosers to the north..).

Cars stuck in snowbanks and whatnot. Hopefully the sensible will just cry ‘Uncle” and hunker down with whatever is left in the liquor cabinet. Give this a try you deplorables…

El Presidente

2 parts white rum
1 part Noilly Pratt Vermouth
1/2 part Orange Curaco or Grand Marnier
1/4 part Pomagrante Grenadine
Sliver of orange and a discreet amount of chipped ice.

Let it sit 3 minutes to chill, and don’t forget to toast El Comandante. Viva Fidel! IHCTD9, you can just toast to Kubota. I know it’s your big love.

Garth, it’s a kind of cruelty to keep the obsessed waiting in the cloakroom. How about just a hint regarding the name? Cambio o no cambio?

Oh, and about this business of what happens in January and beyond. If demand takes off like a rocket, be a detective and follow the old dectective meme…” Motive, Means, Opportunity”. Who benefits. Big oil. Sorry all you green-niks.

#73 Nonplused on 12.22.20 at 7:23 pm

#2 Stone on 12.22.20 at 3:03 pm
As mentioned here the other day, most WFHers are in sectors that continue to pump out full salaries (teachers, civil servants, financial). Their overhead is down, savings are up and they’re nesting as never before.

———

I wonder when employers start chopping salaries. Up to a 15% decrease is not considered constructive dismissal. Anybody experience this yet?

——————————-

Non-unionized salaries are set in the market by supply and demand, and even the unions can only get so far away from the market rate. Your employer couldn’t care less what your personal lifestyle expectations are, they pay the least amount they think they can to retain the talent they require. They are worried about retention though, so if other companies are bidding up the price of talent they need then they follow suit.

The mantra of the “HR department” has been, since the first one was formed, to pay the least amount they can while attracting the talent they require. There is nothing in there about the employee’s lifestyle. Nothing is going to change there. So unless Mumbai suddenly develops an education system, nothing is going to change. In fact many employers value WFH’ers more than WFW’ers because they don’t have to pay for office space. Heck in my wife’s case they didn’t even pay for the desk or additional monitors, all they gave her was a laptop and a phone. I think the phone is going away soon too because everything is on the laptop now.

In fact, my wife’s employer has in response to covid started giving out $300/year for “home office expenses” if you can provide current year receipts. Unfortunately we already bought all the stuff years ago, with just the money she saved on bus passes.

#74 Calgary Cowboy on 12.22.20 at 7:24 pm

What happens in six weeks? G-Hog Day?

#75 Nonplused on 12.22.20 at 7:26 pm

#7 Apocalypse2020 on 12.22.20 at 3:30 pm
“Trump threatens 30-day reign of destruction on the way out of office”

Oh please. And you cited CNN as a source?

#76 Ponzius Pilatus on 12.22.20 at 7:29 pm

Virus cases are trending down in BC.
Knock on wood.

#77 Steerage science on 12.22.20 at 7:30 pm

Tron Light on 12.22.20 at 6:23 pm
#49 Sun Tzu on 12.22.20 at 5:50 pm

The war on the virus will be like the war on terror – it will never end.

Well it’s about 4 billion years so far…score one for the observant evolved monkey brains developing mRNA vaccines….. in the endless battle against pathogens… that may still win!

#78 Father's Daughter on 12.22.20 at 7:34 pm

It feels like almost everyone we know has either upgraded or bought as first timers in this market. Spared no expense. We, on the other hand, have the opposite of house lust right now (brainwashed by this blog) Renting feels like pure freedom, and a steal. Damn racoons chewed through some pipes this week..landlord attended to the issue promptly. We don’t really know what the market/WFH/city life/world is going to look like in a year or two, why guess? And to yesterday’s post, thank you for doing your part and using your platform to discuss the necessity of the vaccine. The big Ontario “lockdown” that literally nobody will adhere to is looming, businesses will continue to wither away, and there is only ONE WAY OUT.
Oh and this new super spreading strain is already here, wait for it..

#79 Well travelled on 12.22.20 at 7:36 pm

Heartwarming story about the wolfdog rescue! Nice to see some positive news these days!

#80 Sail Away on 12.22.20 at 7:47 pm

#38 Bill on 12.22.20 at 5:15 pm

Sail away….sold your house for 2 mil?! I guess you can get by on that..

————–

Hope so… it’ll be touch and go. Maybe Tesla will rescue me from penury.

#81 Nonplused on 12.22.20 at 7:48 pm

#41 Diamond Dog on 12.22.20 at 5:28 pm
#28 Dolce Vita on 12.22.20 at 4:47 pm

Canada is unique in that we have a huge land mass coupled with a population that leaves us room to immigrate to 50 million over time.

———————————–

90% of Canadians live within 100 miles of the US boarder, because the rest is uninhabitable. It’s sort of like Russia, which is pretty big, but most of it is Siberia. You don’t live there unless you are drilling for oil.

#82 Billy Buoy on 12.22.20 at 7:53 pm

Debt and Demographics are solid REAL numbers that never lie.

Deflation and the old folks dying is the guaranteed reality.

#83 Jake on 12.22.20 at 8:00 pm

#66 Dan Y

“I also have been calling the bank (the green one) a few times over the last couple of months to deal with account issues. The wait time for every call has been close to 2 hours.”

Same here. Have a pending fraud case on my debit card, one that always sits at home, yet was somehow used to buy stuff with “AMZNMktpla”, obviously an attempt to fool card holders they made an Amazon purchase but is actually another company posing as such. Since my card is at home, I believe it’s an internal case of fraud.

I have wait several times on hold for 2 hours only to get hung up. This from a company that says in the wait message that “your call is important to us”. Who can we complain too?

#84 Kurt on 12.22.20 at 8:03 pm

#43 Mathew S Gibson – Awesomely obscure reference! Who has been sacked?

#85 Longterm on 12.22.20 at 8:09 pm

#2 Stone on 12.22.20 at 3:03 pm

Far from it. Hefty raises all round plus bonuses on the back of our strongest sales in a decade with no end is sight to the growth trend. We ditched half the office space a few months ago and when allowed back WFH will be three days a week and in the office two, mostly for meetings and such.

#86 Fortvna on 12.22.20 at 8:14 pm

Mortgage is up for renewal early in the new year. I work downtown TO (wfh now) and hope to do so for the foreseeable future (dog willing if everything doesn’t fall to pieces), as this is where I stand the greatest chance of making the best salary. Does it make sense to try to lock in a decent rate for 10 years? I could live forever in my current abode and be content.

#87 Jake on 12.22.20 at 8:15 pm

#74 Calgary Cowboy on 12.22.20 at 7:24 pm
“What happens in six weeks? G-Hog Day?”

My guess is the peak in CV cases. From there, recovery!

#88 Garth's Son Drake on 12.22.20 at 8:17 pm

Over 400,000 recipients of CERB ask to pay it back.

Trudeau says CERB recipients shouldn’t worry about repayments right now.

‘We’re going to work with them and I don’t want people to worry over Christmas,’ Trudeau says

In fact, we are going to forgive this repayment until after the next federal election.

Then we will nail you in 2021 tax season once we have secured another term.

Watch what happens March 31, 2021.

#89 yorkville renter on 12.22.20 at 8:17 pm

#44 Dolce – saves on day care

no, it doesn’t – not if you plan to actually get some work done.

#90 DON on 12.22.20 at 8:39 pm

That woman on the blog picture must be really small…right? Made the mistake of showing my wife the picture and she gushed over it. She wants to add to the current kennel. That little bit of german shepard is what concerns me the most. With a dog like that, everyone would cross the street even people with guns. What a beautful dog if your its your friend.

#91 Stormy Daniels on 12.22.20 at 8:46 pm

Garth, in case you missed it, The Donald is pardoning everyone tonight.

I can give him a little whisper and get a pardon for you and Bandit, no questions asked.

I’ll need $130,000 by midnight.

#92 AntMan on 12.22.20 at 8:49 pm

On the subject of interest rates, a contrarian view:

“I’ve been doing this almost 40 years and every time I see excessive optimism, like we have right now, something else happens,” he said. “The capital gain opportunities are in 10-to-30 year U.S. treasury bonds – and I think bond yields will go down next year and not up.”

Barry Allan CEO DMAT Capital

https://www.wealthprofessional.ca/investments/fixed-income/this-is-the-worst-risk-reward-profile-ive-seen-says-barry-allan/336463

Thoughts?

#93 Pete from St. Cesaire on 12.22.20 at 8:50 pm

“Cocooning is the new holy grail and recency bias makes them believe that life today is setting the pattern for tomorrow”
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Why wouldn’t they feel that way when all they’ve been hearing for the last 9 months is “The New Normal”.

#94 IHCTD9 on 12.22.20 at 8:53 pm

#72 the Jaguar on 12.22.20 at 7:20 pm

…Give this a try you deplorables…

El Presidente

2 parts white rum
1 part Noilly Pratt Vermouth
1/2 part Orange Curaco or Grand Marnier
1/4 part Pomagrante Grenadine
Sliver of orange and a discreet amount of chipped ice.

Let it sit 3 minutes to chill, and don’t forget to toast El Comandante. Viva Fidel! IHCTD9, you can just toast to Kubota. I know it’s your big love.
——

I’m afraid I’m an English speaker, and can not decipher your recipe, other than the white rum part. However, I will follow what I can understand, and substitute Five Alive for the rest.

Instead of toasting El Commandant, I will sip this delicious and inebriating elixir to the exquisite lilting mastery of J.P. Sousa’s “El Capitan”, since I do not yet own a Kubota, and don’t really like our Estúpido capitán in Ottawa either.

#95 Doug t on 12.22.20 at 9:08 pm

2021 =

UBI
Increased taxes
Increased AI
Increased Big Brother
Increased Big Government
Increased chance of “war” = U.S. and China
Increased Fake News
Increased Protests
Increased wealth gap
Increased mental health crisis
Increased Societal control

Etc etc etc RATM

#96 MF on 12.22.20 at 9:13 pm

21 sailedaway on 12.22.20 at 4:19 pm

Wrong.

A lot of immigrants come here and retrain as necessary. Many have community and extended family support to get by during the transition, which is usually seamless. Canada is inviting for immigrants too. This is well known and cannot be understated.

The other issue most immigrants come for is what Canada offers their children. Accessible education and available health care ensure immigrant children do really well.

Take a group of 20 somethings. Talk to them. It is usually hard to see who is Canadian born and who immigrated.

From what I see, the people who criticize immigrants, or the immigration system are clueless and naive to how successful the whole thing is. It’s more often than not just a back handed attack on whatever government is in power at the time than anything else based on reality.

MF

#97 DON on 12.22.20 at 9:27 pm

6 weeks from now we will be on the ramp to Spring and warmer weather. More people should be vaccinated. But the debt and consequences will remain. It will become harder to tread water.

But I am with Dolce…

Let’s use oil and gas to heat our green houses and sell vegetables to locals and weed to our enemies all year round. I like the idea of taking care of our elderly also….where there’s a will there’s a way.

#98 palebird on 12.22.20 at 9:32 pm

Wow the delusion is amazing. That is not a dog. If you don’t know what a wolf is ,and is capable of, just wait. People have tried to tame wolves and it never ends well. Same goes for your so called plandemic, vaccine and everything going back to normal with Biden (if it happens). Roller coaster.

#99 Kat on 12.22.20 at 9:34 pm

No crash yet and after all these years of thinking it couldn’t go any longer I have changed my position. It will be stable and maybe a few who over extended will be hurt but the rest will be fine and have made out like bandits for over ten years and beyond. Us regular smucks who lived within our means are the ones everyone is laughing at because we will never be able to buy now.

#100 Have Faith Popcorn on 12.22.20 at 9:34 pm

“Identified back in 80’s by Faith Popcorn, cocooning is coming into reality. Is that a fight back against the globalisation or the another step of adaptation to new connected environment? Let’s try to understand the reasoning and future development as well as meaning for the business around the globe.”

Read the full article online … a 5 minute read! 10 minutes for Newfies and TurnerNation.

#101 MF on 12.22.20 at 9:36 pm

6 IHCTD9 on 12.22.20 at 5:47 pm

“ What say ye MF? Life must be just great in Toronto for folks to work/live over 200 bloody km away from Toronto no? Maybe you can ELI5 that one for me”

-Sure. I largely agree with what Garth posted. Some are cashing in on their overvalued gta homes and moving to cheaper jurisdictions, like this blog has recommended all along. I assume many are retirees (i have no data to prove it). But many could be younger folks who just cannot pay whatever price point gta housing is at now. I slightly differ with Garth in that I think WFH isn’t going anywhere. The housing boom we are seeing in places like Muskoka is more about the drop in interest rates that have re ignited the real estate market more than anything else. Interest rates are everything to our entire housing market. Everything else (like WFH) is secondary.

MF

#102 Doug t on 12.22.20 at 9:43 pm

#92 stormy

Um so I take it you’ve been away for awhile

#103 Breaking news on 12.22.20 at 9:48 pm

Breaking news – Dr. Bonny got shot

Honestly, it wasn’t me. As much as I wanted to and thought about it all the time, I couldn’t bring myself to making orphans out of all those Fluevogs!

#104 Carver Lane on 12.22.20 at 9:52 pm

DELETED

#105 windjammer on 12.22.20 at 10:49 pm

More WFH and more automation with more immigration Sounds like higher unemployment. People are going to get poorer so we should be setting up a society now that can support the population we have now comfortably.
Against immigration not immigrants.

#106 Stephen Harper on 12.22.20 at 10:53 pm

You’re Fired!

Wait, no, you’re pardoned…

#107 Doug in London on 12.22.20 at 10:59 pm

London a hick city? There’s a lot more to London than Canadian Tire parking lots, although in a more normal year there are good Sunday evening summer cruise nights at the Canadian Tire on Dundas Street in the east end. I don’t own any camo pants, can you get them at Forest City Surplus? I guess a lot of people like hick cities, judging how the housing market’s been booming in London, St. Thomas and area. Last but not least, could I interest you in a nice place in Camlachie or Ailsa Craig?

#108 Cici on 12.22.20 at 11:03 pm

#15 Joe

My thoughts exactly. I was actually wondering if he didn’t end up in that kill shelter for attacking or maiming a child or other human being. I’ve only ever heard of dogs being sent to kill shelters on city orders after they’ve been involved in a serious attack that has left someone injured or dead.

#109 Gotta Get Out of Calgary on 12.22.20 at 11:10 pm

#190 cadmar larson on 12.22.20 at 11:22 am

What does WFH stand for?

—————————————————-
Working From Home.

Folks whose employers shut down their physical work locations such as offices and have staff workng remotely from a computer at home.

#110 Bileth on 12.22.20 at 11:11 pm

Granted not the best metric, but list prices for condos in Vancouver/Burnaby (Metrotown) have not fallen. Neither have rents either. Three years ago I rented in Yaletown and the prices are now higher than then with smaller spaces.

#111 Bill on 12.22.20 at 11:19 pm

#80 Sail Away on 12.22.20 at 7:47 pm
#38 Bill on 12.22.20 at 5:15 pm
Sail away….sold your house for 2 mil?! I guess you can get by on that..
————–
Hope so… it’ll be touch and go. Maybe Tesla will rescue me from penury

——–
Ya go easy been down that road…..its easy to turn a pile into a pothole.
For most.
1) job A pays the bills
2) maybe job B da wifes
3) investing and hoping to beat inflation.
10 years goes by fast and the turtle wins the race.
Garths Turtle prolly wins…
Trading kids, should be left to pros that know how too cut losses.
Do not take ANYTHING FOR GRANTED.
The high and mighty have fallen.

#112 mick McClean on 12.22.20 at 11:50 pm

Totally agree with Bezengy the WFH service is terrible. On the web site of my bank plus my monster cable company they’re still using Covid as an excuse for not being able to answer calls in a timely fashion. Those automated services are extremely frustrating and for the most part useless. There’s some great things about TO but other places Garth mentioned look very viable to me. Just heard there’s going to be a massive new development at midtown Yonge and Eglinton which will further diminish this old and graceful neighbourhood.
https://www.blogto.com/real-estate-toronto/2020/12/massive-new-office-and-condo-complex-coming-midtown-toronto/
John Moore the morning man on CFRB says once it’s all finished Toronto will be a beautiful city in 10 years. Tend to disagree after seeing what rubber-stamped development has done to our historic waterfront and other areas. When I want to ride my bike I go to Durham 20 min down the 401 where there’s stunning waterfront trails and no condos blocking out the sun.

#113 Ancient Ron on 12.22.20 at 11:51 pm

Just back from the office Zoom Christmas Party. At least everyone got home safe. I chugged Earl Grey all night, I mean why bother drinking? it’s not a friggen party, it’s a office meeting at night.

When people can get back to work, they will walk over hot coals to do so. Then folks who have moved out will learn what a 3 hour daily commute feels like. Then living downtown in one of the best cities in the world will be the thing to do again.

Things won’t be the same they might actually be better.

#114 Faron on 12.22.20 at 11:54 pm

#81 Nonplused on 12.22.20 at 7:48 pm

90% of Canadians live within 100 miles of the US boarder, because the rest is uninhabitable. It’s sort of like Russia, which is pretty big, but most of it is Siberia. You don’t live there unless you are drilling for oil.

Border.

Anyhow, tell that to the tens of thousands of Inuit.

#115 Nonplused on 12.23.20 at 12:28 am

#169 BillyBob on 12.22.20 at 7:53 am
#124 Nonplused on 12.21.20 at 8:18 pm
#107 Flop… on 12.21.20 at 7:15 pm
#102 Nonplused on 12.21.20 at 6:58 pm
This morning I woke with a rather nasty thought in my head:

“What if this isn’t the big one?”

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

Hey Plussy,

Where were your hands when all of this occurred…

M46BC

—————————

Oh geez. Locker room chirping at its best. Hey by the way your wife called me today but I couldn’t answer, any idea what she wanted?

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

Ah c’mon.

This is not gormless garden-variety chirping such as from the likes of MF.

When someone so completely OWNS you with such a brilliant zinger, claim it as a badge of honour.

FLOP, you made my day hahahah!

——————————-

It was a good one or I wouldn’t have responded, but it was still of the locker room variety. Let’s recall my context was if this covid thing is the worst thing that is going to happen, not whether or not I could locate my balls. It was funny in the same sort of way a fart joke is.

#116 cowtown cowboy on 12.23.20 at 12:30 am

I’ve been holding on to a couple of bottles of scotch that was reproduced from a bottle that they found under the shack that Shackleton stayed in on his ill fated journey…I’ve had them for about a decade waiting for the right moment.. I think the end of 2020 might just be as good a time as any to open one.

#117 Russ on 12.23.20 at 12:53 am

Breaking news on 12.22.20 at 9:48 pm

Breaking news – Dr. Bonny got shot

Honestly, it wasn’t me. As much as I wanted to and thought about it all the time, I couldn’t bring myself to making orphans out of all those Fluevogs!
==========================

Ah yes,
the great Dr. Bonnie Henry gets a shot in a media event… and takes one away from an elderly patient or person who really needs it.

As an antitheses to Garth’s anti-vaxxer rants, this is truly selfish. One who does not immediately need it steps ahead of those in need.
Bravo.

#118 The West on 12.23.20 at 1:02 am

You’re hedge is stability through the next decade.

….we’ll see

#119 yvr_lurker on 12.23.20 at 1:24 am

I am glad that the Gov’t is having the backbone to not allow this sell-off to China. Good move..

https://www.cbc.ca/news/canada/north/canada-china-tmac-1.5851305

#120 Faron on 12.23.20 at 1:50 am

#104 Breaking news on 12.22.20 at 9:48 pm

Garth, please delete #104. We don’t need thinly veiled threats against anyone, let alone our most hardworking public servants, let further alone a true hero to many here in BC.

#121 calgaryPhantom on 12.23.20 at 1:59 am

Me thinks that it’s over simplification to state that people are moving to suburbs only due to Covid.

There could be number of contributing factors, like, cheap gas prices for last 6 years, more people with cars, lack of decent sized houses in urban areas, overburderend service centers in cities.
Also, as a bonus, burbs give you that instagram worthy house!

Next trend, buying homes on Mars.

#122 Hairhead on 12.23.20 at 2:33 am

About the wolfdog: I knew a guy who had an “interesting” hobby. He adopted wolfdogs who couldn’t be handled by their owners, and then he selectively bred the dog OUT of them, then donated the 90+% wolves to programs which were reintroducing them to ancestral wolf lands.

I asked him what were the main differences between wolves and dogs. Two things, he said:

1) Dogs can be “socialized” to humans for the entire first year of their lives. Wolf cubs can be socialized only for a brief period of about 3 weeks. Miss the period, you miss your chance.

2) Wolves are SMART. Way, WAY smarter than domestic dogs. He gave me an example. When he goes into the paddock with his wolf pack, he has be very careful and watch his back. Not that they will bite him — no! What they will do, or attempt to do, is one or two wolves will push themselves behind his knees; while that is happening, the dominant wolf jump at his chest, trying to put him on the ground on his back, which is the “submissive” pose for members of the Canis family.

That’s just one example, he said. The wolves are ALWAYS trying to figure out ways to dominate him and take him down from his “pack leader” position. Wolves, he said, are SMART!

A doggy post for the blog.

#123 BillyBob on 12.23.20 at 4:58 am

I was finally able to resolve an issue with BC Driver Licensing services on the phone last night. An error in their system I discovered in August that should have been fixed easily instead took over three months, 7 phone calls on hold for 20 minutes until their system requires you to enter your number to be called back. Conflicting, contradictory, redundant information over that time.

In other words, typical government employee performance.

Their recording while on hold informs that “rude or aggressive behaviour will not be tolerated”. This amused me as I’m sure it never occurs to these clowns that perhaps their supremely lazy, entitled incompetence is responsible for provoking much of the very behaviour they so arrogantly warn against. I’ve dealt with government agencies for everything from transport licensing to immigration in countries all over the globe and the only places I’ve ever seen with the need to post warning signs about customer behaviour have been Canadian ones: CBSA, Canada Customs, BCDL etc. Unique in their weirdly passive-aggressiveness. Speaks volumes.

Of course the excuse given for EVERYTHING now is Covid. Service levels reduced because everyone working from home for full pay, so sorry. Covid, this new thing that’s only been around for a year, still trying to figure out how to adapt, please bear with us.

You’d think that while private sector companies desperately try to survive and many don’t, public entities might have the decency to at least pretend to try and pick up the slack. But…nah. We’re good, here at home in front of the computer. Call us back again in a few weeks.

Granted the bar for government employees is already extremely low as were my expectations. But if this is an example of so-called “WFH productivity”, wow what a great scam. Same pay, even less customer satisfaction.

This is the danger in any socialist system where there’s zero accountability. No one cares because no one has to.

#124 Stan Brooks on 12.23.20 at 5:14 am

It is normal. With destruction of currency prices rise.
Prices of real estate, food, essentials.

With inflation measured at 1-2 % yearly in the last 2 decades and the prices of SFH in GTA suburbs rising 6-8 times, we have actual unaccounted for inflation of 600-700 % in housing.

The very definition of hyperinflation is 50 % + monthly but you can have lower inflation for much longer vs higher for much shorter time.

The effect though is the same.

All the benefits are indexed at ridiculously low inflation indexes.

And the really fun part is that our inflation is currently just started accelerating.

While wages are capped and taxes increasing and we are at peak total debt. The worst total debt amongst developed countries.

That’s what you get with all that constant lying from ‘trusted institutions’. A failed economy and ‘the savior’, the ethically challenged guy with funny socks, trust fund, IQ of 60 and painted hair.

Enjoying every moment of it.

Cheers,

#125 Wrk.dover on 12.23.20 at 5:30 am

Hydrogen powered car. Twice the size fuel tank needed.

One seventh of the distance range.

After a collision, many truck loads of fill for the crater will be necessary.

#126 the Jaguar on 12.23.20 at 6:41 am

@#124 BillyBob on 12.23.20 at 4:58 am
‘This is the danger in any socialist system where there’s zero accountability. No one cares because no one has to.’

Some time ago while in a famously socialist country ( not ours) I was complainly nicely to a hotel employee about some form of substandard issue and the reply was ” When it is no one person’s responsibility, it is no one’s responsibility”. That was the moment I began to see how the population shelters itself from that very issue. It was said with a big smile, by the way….

#127 the Jaguar on 12.23.20 at 6:51 am

@#95 IHCTD9 on 12.22.20 at 8:53 pm

If you get a Kubota I read this piece of advice which you probably already know, but here it is anyway:

‘Yeah, that’s still post to Missions Control.” He said, you know, “Sometimes things break. I would really highly recommend you get yourself a 1960’s farm all (SP) because—” he said “—your eight-year-old if you had one could figure out how to put that carburetor back together. It’s like four moving parts.”

#128 Stan Brooks on 12.23.20 at 7:02 am

DELETED

#129 Love_The_Cottage on 12.23.20 at 7:29 am

#113 mick McClean on 12.22.20 at 11:50 pm
Totally agree with Bezengy the WFH service is terrible.
___________
Long wait times from the banks has nothing to do with WFH. Answering customer calls is one of the easiest jobs to monitor. How many calls did you take today, how long were you on the phone and a quick survey to find out if customers were happy with the outcome.

Bank service is terrible because you have no choice. Try calling another bank. They are all the same.

#130 Diamond Dog on 12.23.20 at 8:19 am

#123 Hairhead on 12.23.20 at 2:33 am

Reminds me of a wolf story. I was a tree planter in those days, working with an all french crew 45 minutes north of Revelstoke BC, some 5 minutes off the dam reservoir in June. The drainage’s are steep there and the bottoms narrow as you drive further up the passes where the sound of runoff is constant. The crummy turned off the reservoir highway N onto Downey pass, the first of many we worked in that year. As we began to wind our way up one side of the pass on logging roads before the passes narrow, there was near a kilometer of marshland to ken.

With windows down on an early weekday morning, the smell of coffees and cigs and bud mixed in with the fresh air, drowning out the smells of sweat and dust from the day before. We looked to our left in the meadow and saw a large bull moose grazing away as big as they come and with points and soft murmurs some took note.

The crummy lurched ahead a few hundred more yards and sure enough, not 20 yards in front of of us on the road, a large cinnamon bear with a couple cubs darted into the bush triggering a conversation of broken English, a discussion of whether it might have been a grizzly. The consensus from the size of the mother was that it was and we were all now verbally considering with morning subtleties kicking in that this might be a sign that we were all going to have a big day!

Then we saw it, a huge black wolf 20 ft above us on the cut side of road to our right, staring right back at us, maybe 50 or 60 ft from us a full grown lone wolf, the shit disturber of any pack. With almost a sense of appreciation, possessing no fear or apprehension, the large black wolf stood there motionless, a keen intellect to witness behind eyes looking right back at us and as we drove slowly by it, it was gone.

Well, the speculation grew wild at that point! Will we see a cougar (you never see them, they don’t stick around for Trudeau selfies) or another grizzly bear! Will we find gold! Will an Indian ancestor warrior spirit visit us on the block, what sign is this!!

I don’t remember the rest of the day or week now, or its hard work that forces one to forget, (although I’m sure hard work was certain and can tell you the French work as hard as any other) or remember its losses/fortunes, self glory’s and lack thereof as these memories are quick to fade but I’ll always remember that large lone wolf staring back at us, that moment of serendipity frozen in time.

Something like that one never forgets. (being stalked by a black bear, will never forget that either but that’s for another story)

#131 crowdedelevatorfartz on 12.23.20 at 8:23 am

@#124 Billybob
“In other words, typical government employee performance.”

+++

I couldnt agree more.
You also have to realize that BC Ministry of Transport has now been joined with ICBC ( Insurance Corp or BC …. mandatory govt car insurance).

So now the incompetent sloths at ICBC have full reign over the incompetant sloths at Transport ( or vice versa)
Either way it’s entitled, untouchable, overpaid, arrogant, surly sloths….lording their “power” over you….the customer.
I have lived in BC for 40 years and have paid 10’s of thousands in car insurance, (with zero “at fault claims” aka accidents) and all I see is my car insurance rates increase( now at $2000 per year for a 6 year old truck) year after year to fill the govt coffers with money for work that could be done at half the price with twice the efficiency in the private sector.

Cue “ottawa sara” and her legions of outraged govt workers …..

#132 millmech on 12.23.20 at 9:06 am

Faron
Triggered much, but here you go, she is alright.
ctvnevancouverislandws.ca/dr-bonnie-henry-receives-first-covid-19-vaccine-dose-1.5241853

#133 Stan Brooks on 12.23.20 at 9:08 am

#129 Stan Brooks on 12.23.20 at 7:02 am
DELETED

Np. I will post it on twitter.
You selectiveness and attempt to be political correct is strange. Show some guts.

You are my guest here, kid. Your poor taste falls below my standards. – Garth

#134 millmech on 12.23.20 at 9:10 am

Faron
Sorry about using the “t” word.

#135 TurnerNation on 12.23.20 at 9:17 am

More examples that this global control grid is to control our Feeding, Breeding and Movements/Travel.

Travel is selfish! They told us #stayhome from the get go right?
Stay locked at home in your locked down Red, Grey war zones. Only for 28 more days!
NO fun allowed everything is closed even ski hills, gyms in my prefecture. For our Health Comrades?!
Tsk tsk our elite rulers tell us, before they jet off to their 6-star private winter resorts:

“The Globe and Mail reports in its Wednesday edition that the federal government is warning Canadians to not travel internationally, pointing to the recent ban on travel from Britain as a reminder of how quickly rules can change. The Globe’s Marieke Walsh and Jaren Kerr write that as airlines reported an uptick in travel over the holidays, the federal government is on the defensive, arguing that its border measures are working. At a news conference in Ottawa on Tuesday, Public Safety Minister Bill Blair said the low rate of COVID-19 cases linked to international travel — less than 2 per cent nationally — show Canada’s rules, such as the 14-day quarantine for returning non-essential travellers, are effective. Health Minister Patty Hajdu said that does not mean now is the time to let up, a point she said is underscored by a new COVID-19 variant in Britain. Ms. Hajdu said that Canadians risk being stranded abroad and bringing new virus variants to Canada. “Please don’t plan to travel internationally if it’s not for essential purposes,” Ms. Hajdu said. Allison McGeer, a member of the federal COVID-19 immunity task force, said travel is what the disease thrives on and what will increase the spread of new variants.
© 2020 Canjex Publishing Ltd. All rights reserved.”

——–

Meanwhile in Florida:

https://thefederalist.com/2020/12/21/i-moved-from-locked-down-virginia-to-open-florida-and-faces-came-back-to-life/

“The downtown scene here is even further proof that people are living their normal lives, unobstructed by fear. My family went out to dinner the other night at a patio bar overlooking our downtown square, all lit up for Christmas. Families took Christmas photos in front of the lighted trees, and others caught rides in horse-drawn carriages circling the block. The patio was packed with guests from a wedding that had just taken place; it was a huge party, unlike the sweet but limited ceremonies my friends were forced to have in Virginia.”

#136 Marcia M on 12.23.20 at 9:33 am

Good morning crowdie,

Given that Trump has been on a tear pardoning almost everyone with a pulse but no morality, I tried to do you a solid and put your name up for consideration for presidential forgiveness.

The Trump team has been able to pardon racist border patrol agents, securities fraudsters, Russian operatives and drug dealers among many criminals, so I figured you would have a good shot.

Unfortunately, they told me that you were far too disgusting to even be considered. They said you were “nasty” and should be “locked up”.

If you wish to challenge this rejection, you can arrange a meeting with Don Jr. and Ivanka, on the 52nd floor of Trump tower on West Georgia Street.

They said you’ll have to take the stairs.

#137 millmech on 12.23.20 at 9:38 am

Garth,
You talk about returning to normal, but as soon as things start to calm down it somehow gets amped back up again with stories like this.
http://www.msn.com/en-ca/health/medical/ebola-species-thought-to-be-harmless-to-humans-can-sicken-pigs-raising-alarm-bells/ar-BB1c96mJ?ocid=msedgntp
If one read the Hot Zone you would have learned that this strain of Ebola is airbourne not through bodily fluids like the other five strains of the virus.

It must suck to be you. So stop eating pigs. You should not have been doing that anyway. – Garth

#138 Dharma Bum on 12.23.20 at 10:02 am

The WAR ON DRUGS
The WAR ON TERRORISM
The WAR ON CLIMATE CHANGE
The WAR ON THE VIRUS

All of the above:

Totally Ineffective
Ridiculously Expensive
Universally Freedom Stealing
Overwhelmingly Time Consuming
Collectively Resulted In Police States And Loss Of Rights

We think everything’s under control.

However, it’s US that are under THEIR control.

Don’t fall for the lies.

RESIST.

#139 Stan Brooks on 12.23.20 at 10:08 am

You are my guest here, kid. Your poor taste falls below my standards. – Garth

The rules of hospitality allow for some freedom.
We both know were we stand in relation to the poor sheeple/public.

You allow no freedom, that delineates from your line of communication. None.

You standards apply to you private home, not to a public space you pretend to create. If you pretend it is public, you are not living up to it.

Nothing in my post was offensive, I just quoted a reputable banker.

I believe what encouraging differences in opinion enriches us.

This is shat distinguishes a great person from .. well, a politically correct one.

In no way I am disrespectful. You clearly are.

If we are to measure stuff, I would gladly take an IQ test and compare it to yours.

Otherwise not offended, just amused.

Everything that I suspected about you, now confirmed. Adios. – Garth

#140 Stan Brooks on 12.23.20 at 10:17 am

Of course, I can place some suck-up posts that praise the wisdom of the bearded one, I am sure those will pass the filter.

I just thought that this is not what we want. Life is too short to be politically correct all the time.

Cheers,

#141 Tbone on 12.23.20 at 10:17 am

I don’t have much trouble with td bank . I do have a major portion of my stash there though. I’m thinking that may have a priority sequence in how they respond to calls
When you identify yourself with their sign in procedures.

#142 Sara on 12.23.20 at 10:18 am

#132 crowdedelevatorfartz on 12.23.20 at 8:23 am

Cue “ottawa sara” and her legions of outraged govt workers …

======================
Not everyone who lives in Ottawa is a government employee. I do not and never have worked for the federal government or any other governmental agency, but have been employed in private industry only. Like “George” who assumed I was a Trudeau fan, you make baseless assumptions.

#143 Faron on 12.23.20 at 10:30 am

#133 millmech on 12.23.20 at 9:06 am

When right wing wackos are posting addresses of political leaders they don’t like and photos with people in crosshairs and even making outright kidnapping plans, this crap isn’t funny at all:

As much as I wanted to and thought about it all the time,

Thanks to Mr. Trump, it has become blase to make threats of violence against groups one doesn’t like. It’s disgusting. Shame on Garth for keeping that post up and for posting it in the first place and shame on you for defending it.

If having the moral awareness to see this for what it is is what you think of as “triggered”, then yes, I was triggered by that.

In case you haven’t noticed, BC has done quite well with the virus despite having the first known cases in Canada. Bonnie Henry has stood up through what have to have been the most stressful days of her career and selflessly worked her arse off. Any threat of violence against her should be treated with seriousness and thrown in the gutter where it belongs.

#144 Sara on 12.23.20 at 10:50 am

More on the wolf dog.

https://www.youtube.com/watch?v=F4HdaqcZJRo&ab_channel=TheDodo

#145 ts on 12.23.20 at 11:08 am

“Everything starts changing in six weeks.”

And on that note, wishing you a blessed Christmas and a happy and healthy New Year!

#146 Handsome Ned on 12.23.20 at 11:34 am

That wolfdog pic brings to mind a recent meme. It was titled 100 thousand years ago with a picture of a magnificent wolf. The caption was “Look at those humans eating by a fire. I’m cold and hungry, maybe they will give me something to eat. What can go wrong.” The next picture is a scowling pug wearing a Christmas sweater and antler hat. The wolf has been bred out of us. We are now castrated lapdogs, needing to be taken on a leash to go to the bathroom.

#147 Sail Away on 12.23.20 at 12:00 pm

#97 MF on 12.22.20 at 9:13 pm

From what I see, the people who criticize immigrants, or the immigration system are clueless and naive to how successful the whole thing is.

————-

Agreed! I personally immigrated here 14 years ago and have done amazingly, stupendously, fantastically well.

Sometimes immigrants can be more attuned to leveraging opportunities. Harvesting the low-hanging fruit if you will. Juicy plums are everywhere.

#148 crowdedelevatorfartz on 12.23.20 at 12:10 pm

@#137 M&M
“I tried to do you a solid and put your name up for consideration for presidential forgiveness.”

++++

How thoughtful but not to worry.
A “rejection letter” from the Donald and his Toadies is a Badge of Honor I shall cherish til I die.

Please forward it to

Mr. Crowdiefartz
Elevator #1
Real World.
Non Correct-ville.
PC0-0PC

Express mail If I am to receive before Christmas

#149 IHCTD9 on 12.23.20 at 12:31 pm

#128 the Jaguar on 12.23.20 at 6:51 am
@#95 IHCTD9 on 12.22.20 at 8:53 pm

If you get a Kubota I read this piece of advice which you probably already know, but here it is anyway:

‘Yeah, that’s still post to Missions Control.” He said, you know, “Sometimes things break. I would really highly recommend you get yourself a 1960’s farm all (SP) because—” he said “—your eight-year-old if you had one could figure out how to put that carburetor back together. It’s like four moving parts.”
__

That is some good advice – my yellow toy collection ranges in age from 1952 to 1967. Power steering would be a nice option some day though. Hopefully a day will come where I have enough money to buy and maintain some orange toys too.

#150 WTF on 12.23.20 at 12:50 pm

Billy Bob, I was finally able to resolve an issue with BC Driver Licensing services on the phone last night. An error in their system I discovered in August that should have been fixed easily instead took over three months, 7 phone calls on hold for 20 minutes until their system requires you to enter your number to be called back. Conflicting, contradictory, redundant information over that time.

—————————————————————-
Ditto: Insurance Broker screwed up my tax payment on a new vehicle. Double charged me for GST. I questioned it at the time as I had paid GST at purchase, agent called her ICBC contact and was assured yes I had to pay! When I pointed this out to the agent the next day after verifying I was correct, got a smug dismissal “well you have to get it back from the BC Finance Ministry”

Little did I know having my fingernails extracted with pliers would have been less onerous.

Calls/ Emails/letters engaging my MLA and all the anonymous Public servants over several months was required. I should mention, at the outset ALL agreed this mistake was not of my making.

Back and forth communications(MOSTLY FORTH) over several month which required me to repeat my tale over and over again. Eventually my persistence prevailed but the final straw was an email out of the ether “In order for me to receive the money incorrectly taken from me I was required to resend info I had already provided at the outset” (by registered mail.) I snapped. fired off a curt reply informing the minion that no I wouldn’t be providing requested info and gave the reasons why. Poof, I was informed “the cheque is in the mail, no further action was required.” Subsequently got my money back 3.5 months later. Time to send a critique to the Minister.

Fast Forward a couple of months later when I received the ministerial response to my concerns after the debacle was “resolved” . Brutal. “We have no control over Brokers, Finance isnt part of ICBC Sorry for your inconvenience”

My Response? Why am I responsible to navigate your byzantine organization over several months involving several folks in several departments to correct a problem created by your agents? How much did it cost the taxpayer?

I’m still waiting for the word Salad that is sure to be spewed by the highly valued Government workers cowering at home in their pajamas.

But Wait there’s more! The BC Recovery Benefit. Have fun with that mess. They need your Mothers cousin’s former husbands blood type. With documentation. Smells like a make work project for new hires.

Your Tax dollars at work….

#151 Blacksheep on 12.23.20 at 1:46 pm

IHCTD9 # 150,

“Hopefully a day will come where I have enough money to buy and maintain some orange toys too.”
——————————————-
A closet KTM guy!

Yamaha makes awesome products: Yamaha 130Hp In/Out board, Kodiak 450, 10 Two-Stroke MX/XC bikes, 2200 & 1000 inv. / gen’s and even some higher end home audio gear.

That said, until you put hands on something manufactured by the Austrian powerhouse that is KTM, you don’t know what your missing. It’s this simple, If it says KTM on it, it is the best you can buy, period.

This manufacturer is a great example of the old saying:

“You get what you pay for”

#152 Guelph Guru on 12.23.20 at 2:37 pm

“Everything starts changing in six weeks”

I like bold predictions. Looking fwd to the 2nd week of Feb for ponies and rainbow. I hope you meant for the positive. I guess so. What else can go wrong?

#153 sailedaway on 12.23.20 at 10:18 pm

#97 MF on 12.22.20 at 9:13 pm
21 sailedaway on 12.22.20 at 4:19 pm

Wrong.

“From what I see, the people who criticize immigrants, or the immigration system are clueless and naive to how successful the whole thing is.”

———————————————

I’m an immigrant, so not so wrong clueless and naive.

next

#154 Scott on 12.23.20 at 11:27 pm

Hey Garth,
Do you not think there will be a significant number of businesses that are more efficient with most staff working from home? I’ve got a few friends in sales/marketing and they’ve just had their best year ever. They mostly attribute this to not having to hear about their boss’ weekend or to delay a meeting because some one is running late. Throw in the mix less operating expenses, real estate, parking, company cars/407 bills, I think there will be some that adopt remote work for good. Merry x mas and thanks for another year of not quitting due to the declining quality of the steerage section.

#155 Scott on 12.23.20 at 11:27 pm

Hey Garth,
Do you not think there will be a significant number of businesses that are more efficient with most staff working from home? I’ve got a few friends in sales/marketing and they’ve just had their best year ever. They mostly attribute this to not having to hear about their boss’ weekend or to delay a meeting because some one is running late. Throw in the mix less operating expenses, real estate, parking, company cars/407 bills, I think there will be some that adopt remote work for good. Merry x mas and thanks for another year of not quitting due to the declining quality of the steerage section.

#156 Prince Polo on 12.24.20 at 9:50 am

#59 Tron Light on 12.22.20 at 6:23 pm
#49 Sun Tzu on 12.22.20 at 5:50 pm
The war on the virus will be like the war on terror – it will never end.
——————————————-
Don’t forget about the never-ending war on stupidity and illogicality!

===============================
#140 Stan Brooks on 12.23.20 at 10:08 am
[a lot of blah blah blah]
In no way I am disrespectful. You clearly are.
If we are to measure stuff, I would gladly take an IQ test and compare it to yours.
Otherwise not offended, just amused.

Everything that I suspected about you, now confirmed. Adios. – Garth
———————————————
Good riddance! Thanks, Garth.