Category: Uncategorized
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DeepSeek Causes Deep Shit
What a way to start a week off!!! Wowsers, is it about to get interesting. After all the crap yesterday between the US and Columbia, I thought it would be pretty hard to top all of that – but that took a back seat to the overnight announcement from China. Let’s take a Deep Dive…
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Levers, Knobs, and Switches
Over the past decade or so, specifically in the last 5 years, our industry has seen some pretty good times. Never in any of our career days did we have a mortgage broker come into a classroom that said they make as much – if not more than a general surgeon, and do it while…
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Liars And Thieves
Happy Sunday everyone. It is a good thing that bullshit isn’t taxable, because there would be a lot of groups with a very large tax bill. There is a misunderstanding in the insurance world. People think that their policy is with State Farm, so State farm is the one who foots the bill. My insurance…
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Spikes, Nails, and Sharp Objects
This morning we all saw the release of the Canadian and US jobs reports, and WOW, were they a blowout. It has been a long time since I have seen employment reports those nice!! Almost every metric hit the marks – jobs were full time instead of part time, employment was in the private sector,…
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Let It Snow, Let It Snow, Let It Snow
A few years ago, I made the decision to move away from the North, and relocate to the South. After all, who really likes the snow and cold? But, I may have underestimated the power of snow. Snow it seems, whether walked in or skied on, seems to have a wonderful power to remove shitty…
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Form Here to There and Back Again
Predictions have always been a fools game, but a game none the less that I like to play. With that in mind, below are my predictions on what I think 2025 has in store. Some of these are housing related, but most are basic economic predictions – but since so much of Canada’s economy is…
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Feelings, Vibes, and Concepts
Fewer letters can spark fear in the average Canadian’s heart than the letters C R A. Of course we all know it stands for the Canada Revenue Agency. The CRA is probably the most feared government agency of all time. As someone who has dealt for a very long time with both the CRA and…
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Blow It All Up
I thought it would be really hard to top Monday’s Parliamentary shit show, but it looks like I was wrong. Today at 2:00 pm the US Federal Reserve met, and boy oh boy, did shit get real – real fast. As part of the Fed meetings, the minutes are released along with the statement, and…
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Shit Show 2.0
Holy Shit!!!! My 2024 bingo card is getting wild. Normally, a fall budget going 54% OVER TARGET would be breaking news. Headline news. All the news cycle would talk about. But somehow it managed to barely rank 3rd on the top stories of the day. Just when you thought it couldn’t get worse, it always…
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1994
It was 30 years ago, 1994. 30 years seems like a long time, doesn’t it? Pre internet mass adoption, pre cell phone, and pre apps. Some might think I made a typo and meant to type 1984, but it is 1994 I really want to point out. It should come as no surprise that Canada…
Ryan Sims insights, thoughts, and analysis 