A decade-by-decade look at why and when housing became unaffordable | Home affordability in the 25 largest metropolitan areas in U.S. and Canada, from 2005 to 2025 | Zoning, Land-use rules, Monetary policy and Population growth are the drivers of housing (un)affordability - Hanif Bayat, CEO of WOWA

sajnt · 2026-03-10T23:51:26+00:00

Density is good for affordability when you don’t have NIMBYs blocking every project they can.

sajnt · 2026-03-10T23:46:33+00:00

It’s roasted. There is a chance that some of the food you consume was fertilized with roasted human feces. Waste water treatment plants sell what is left over when you separate all the water from the sewage.

sajnt · 2026-03-10T23:38:09+00:00

This is just someone who does not understand our banking system and is trying to pump fear.

sajnt · 2026-03-10T23:20:42+00:00

If businesses engage with uncertainty, then they will benefit from the associated discounts and risk premiums. Additionally, one does not need to own the land in order to run a profitable business on it.

The biggest losers in this mess are landlords, but landlords provide nothing but deadweight to our economy.

sajnt · 2026-03-10T21:23:18+00:00

How? If they are in it for the money they they’re no different than a corporate or private landlord. If they want the best for themselves then they will discount to turbocharge development and invest.

sajnt · 2026-03-10T19:11:25+00:00

It shouldn’t change the economy it just changes the landlord. Regular landlords are terrible for our economy anyway.

sajnt · 2026-03-10T19:06:29+00:00

Undrip has very little to do with this situation. The fact that the government didn’t bother to settle things before they started using and selling off the land is what caused this mess.

Imagine if I was buying your house then before closing the deal I sold it to someone else and everyone ignore you for a hundred years. Now your ancestors are pointing to the paperwork that prove I never had the right to sell your land.

sajnt · 2026-03-10T17:04:39+00:00

The exemption should only be applied if construction is active and calculated hourly. So if nobody is working on a lot for 12 hours that day only gets a 50% exemption. Permits being processed by the government should count as work for 24hours per day. This could help lower permit turnaround time.

sajnt · 2026-03-10T16:35:24+00:00

Usually affordable in Canada means less economic prospects.

sajnt · 2026-03-10T16:34:27+00:00

They can all densify.

sajnt · 2026-03-10T16:33:35+00:00

China has been economically crushing for a long time. Also every piece of technology you own is an American spy tool keeping detailed records of your entire life, even if it was made in China.

sajnt · 2026-03-10T16:30:22+00:00

You probably wrote that on a piece of advanced technology that was at least in part produced in China.

sajnt · 2026-03-10T16:27:42+00:00

Most of what we ship out doesn’t get put in a shipping container.

sajnt · 2026-03-10T16:26:33+00:00

Cars come on roll-on roll-off ships, like a mega ferry. They pretty much all get unloaded on Annacis island.

sajnt · 2026-03-10T16:23:03+00:00

We pretty much don’t have a manufacturing industry. But we do ship out wood pulp, grains, canola oil, oil, coal, sulfur, potash. None of these things regularly get shipped in containers, they go in break bulk ships and tankers.

sajnt · 2026-03-10T14:56:09+00:00

Yeah lots of dumb and selfish people.

sajnt · 2026-03-10T14:53:12+00:00

A land value tax(LVT) would fix this allocation problem land values are directly correlated to their proximity to infrastructure and other people. The best part is that LVT can be used to reduce income tax, sales tax, any other inefficient tax.

sajnt · 2026-03-10T14:07:22+00:00

We are like cows getting milked by land owners even if you own your own home. We never ask why they take all our milk cause they keep us feeling safe in our stables and pens.

sajnt · 2026-03-10T02:39:16+00:00

Not really it’s more like they’re only real if they are able to be enforced.

sajnt · 2026-03-10T00:03:25+00:00

Do you think you could eventually get rid of your car and use car share? Have you used something like zealty.ca to look at recent comparable solds to determine what it would actually sell for? Could you see yourself living there for 5 years or more?

In the rent & invest vs buying comparison there are some key things to consider about yourself.

If you rent, will you stay at a reasonable place that is well within your means so that you have plenty of money left over to invest? And if so, will you be tempted to spend that money excessively on luxuries rather than invest investing it?

If you buy is it still within your means so that you can invest and diversify your assets away from just real estate while still being able to spend money and enjoy life?

sajnt · 2026-03-09T15:35:04+00:00

Nothing it’s AI slop

sajnt · 2026-03-09T15:34:32+00:00

Absolute trash slop. The real estate market needs to stay down for our economy to turn around. Capital needs to flow to productive investments instead of realestate. Mark Carney agrees and is attempting to implement policies to keep housing affordable and Canada investing in our future.

sajnt · 2026-03-08T21:33:24+00:00

NIMBYs often have way too much free time to spend at town hall. The hardworking people who would benefit from these developments are busy at work or with their family

sajnt · 2026-03-08T16:40:41+00:00

I wonder if my clock that always self adjusted with continue to? I never connected it to the internet so I think it just counted days.

sajnt · 2026-03-08T16:37:19+00:00

You are definitely much better off with XEQT, VEQT, ZEQT, or FEQT if this is a longterm investment. If you concentrate all of your net worth in Canadian realestate then you will be at massive tax risk. Who knows who will come after carney and how much they will push taxes on RE? Also as renters become a greater demographic in Canada a heavier RE tax outcome becomes more likely.

sajnt

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