Ryan Sims insights, thoughts, and analysis

Tag: real-estate

  • Love It Or List It

    From 2008 until 2023 there was a show on HGTV called love it or list it. We all probably watched it at some point. Coincidentally, it went off the air about the same time that Canada’s real estate market was starting its long, slow grind down. It did come back on the air this year,…

  • Creative Writing

    I want to begin with a bit of an apology. I haven’t been blogging the way I used to. The thing about running an American based business is that when an American President puts in place a Buy American policy – business picks up – A LOT. Tariffs may be good, they may be bad,…

  • Conflict

    In todays challenging times, the title of this post could be about many things. Canada – US relations, the war in the Middle East, or even political divisions within Canada. But is really about none of that. Todays conflict I want to look at is one within our industry. I spent the better part of…

  • Spicy!!!

    While the past 48 hours has pretty much brought out the absolute worst on both sides of the 49th parallel, and it seems that emotions are running high, hot and spicy, let’s spend some time on what it means. I am not going to get into a back and forth on tariffs – there is…

  • 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…

  • 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…

  • 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…

  • Take A Pill

    To quote Charles Dickens “It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of light, it was the season of darkness, it was the…

  • Chop Chop

    If you listen very closely, you can actually hear all the Tik Tok relators limbering up and getting ready to dance the day away tomorrow after the BOC cut. Money markets are widely pricing in a 50 bp cut tomorrow, with 76% odds of 50 bp reduction. That is good enough to say the majority…

  • Time

    There is one thing and one thing only that is truly the great equalizer – TIME. No matter if you are rich or poor, black or white, Christian or Muslim – it makes no difference as we all have 24 hours in a day. Elon Musk runs Tesla, Space X, Starlink and The Boring Company…