Ryan Sims insights, thoughts, and analysis

Tag: real-estate

  • Here a Creep, There a Creep

    Another day with another data release. This time the US CPI is coming in a little hotter than anticipated. Calls were for CPI to increase .2% in January, but they came in +.3%. The annual rate of inflation moved to 3.1%. Inflation starting with a 3 handle is a lot bigger than inflation starting with a 2 handle.  As…

  • Gradually, Then Suddenly.

    Ernest Hemingway had a famous quote: How did you go bankrupt? Two ways: Gradually, then suddenly. If that doesn’t describe real estate right now, then nothing will. Deep down we all knew something was wrong. You could feel it in your bones. You couldn’t exactly place your finger on it, but you just knew something wasn’t right. Of course, there are people…

  • The Teacher Becomes The Student

    Years ago, in the small town where I grew up, whenever someone did something very well for the first time, you might hear someone say ” the student has become the teacher”. Well, today, in Canada, I think that the ( drama ) teacher is about to become the student.  Immigration Minister Marc Miller announced the…

  • Threesome

    There has been much debate over the years about dual income households. Many will say that you should be able to raise a family on 1 income. I won’t weigh in on that topic. But, over all the debate on this topic in the last decade – we have missed out on 1 massive detail: We didn’t have just…

  • What Keeps Me Up At Night

    There are a lot of things in life to worry about it seems. Keeping in shape, are the kids grades good enough, will WW3 start in Israel, but let’s add something else on. Mortgage Arrears. For the last 18 months or so, I have been downright bearish on the Canadian market. I have not seen a lot to…

  • Trust Me Bro

    What would a new year be if we didn’t receive some updated tax rules? Well, it wouldn’t feel normal. Although Canada already has some of the most complex reporting on the planet Earth, the CRA is at it again, and has decided to make life just a little more miserable for the average person.  Most of what…

  • History

    As we wrap up the last day of 2023, and a year most of us would like to forget, it seems fitting that we take a look back. Something about this time of year always makes us look over the year that was, and vow that next year will be our year. Of course, for most of…