The Canadian Dollar Falls to a Four Year Low | The Loonie Hour Episode 160

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  • Опубліковано 1 лис 2024

КОМЕНТАРІ • 144

  • @benvicius672
    @benvicius672 День тому +25

    The real question is why municipalities need so much more revenue. If people saw how unproductive municipal governments are, they would demand that it gets cut to a skeleton crew. Anything the skeleton crew drops must not have been that important.

    • @fillmorehillmore8239
      @fillmorehillmore8239 День тому +6

      Safe injection sites need funding. Go Canada!

    • @spicoli4217
      @spicoli4217 23 години тому +5

      I work in municipal government and it’s so frustratingly unproductive. Everything we use are legacy systems. We use tech that makes our jobs extremely inefficient. It’s just so much bureaucratic nonsense. Obviously it’s a secure job and that’s why I am holding onto it. Certainly doesn’t make me feel that great

    • @freemindcanada9319
      @freemindcanada9319 22 години тому +5

      them pensions

    • @clema.7280
      @clema.7280 21 годину тому

      ​@@freemindcanada9319jokes on us, they will be worth cbdc units so we can buy kraftdinner!

    • @mt8474
      @mt8474 20 годин тому +4

      5% raises every year cost $$ and no level of Government is into shrinking budgets. Municipal debts are getting silly now too.

  • @T.Cochrane
    @T.Cochrane День тому +9

    The truly remarkable thing about the increase in permits, development charges, code changes, and inspections is that the true cost is much higher because each of these adds hidden costs to each build. Whether it is through increase in labour, material, or extra subcontractors, consultants to fulfill the requirements of new bureaucratic mandates and rules.

  • @allistairtrent
    @allistairtrent 18 годин тому +7

    I live in a luxury condo in Playa del Carmen. My property taxes are 1500 per year. That is pesos btw or about 100 cdn

  • @monty8996
    @monty8996 День тому +18

    Will Volkswagen ever actually build their battery manufacturing facility in St Thomas Ontario that the Canadian government has pledged billions of dollars for?

    • @Rawdiswar
      @Rawdiswar 22 години тому +6

      Well they are closing three plants in Europe, including one in Belgium where an Audi EV is made, so 🤷?

    • @freemindcanada9319
      @freemindcanada9319 22 години тому +1

      they won't have a choice thanks to the US and Nord Stream

    • @clydedufffyaway
      @clydedufffyaway 21 годину тому +4

      Can’t afford an ice car let alone an electric. Just more waste of tax dollars. Just let me buy cheap Chinese cars like everything else I buy.

    • @quantifiablyqorrect2905
      @quantifiablyqorrect2905 19 годин тому +4

      EVs are not selling anymore, and all manufacturers would love to dump all pointless investment in such a stupid idea, they lose money on every rare sale of one

    • @monty8996
      @monty8996 18 годин тому +4

      To answer my own question. I wouldn't be surprised if they built it, occupied the facility for a few years, and then shut it down. This kind of thing has happened numerous times when governments go out of their way to financially incentivize individual corporate projects for the purpose of job creation. The cost to taxpayers for each job created at that plant will be astronomical.

  • @rifleman4005
    @rifleman4005 2 години тому +1

    With the lower canadian dollar, prepare to pay more for fruit and vegetables imported from US over the winter.

  • @johnnyboyvan
    @johnnyboyvan День тому +7

    Housing will never be fixed here, but we are trying to do something about it. 99 year leases...ughhh.

  • @samuell6378
    @samuell6378 23 години тому +3

    That halloween joke by keith was hilarious 😂

  • @markettdeetales
    @markettdeetales 4 години тому +1

    So much to talk about, next weeks loonie hour is going to need to be a $1.50

  • @pwdrhrn
    @pwdrhrn 19 годин тому +3

    Some of those costs are valid but inflated. Some are because of over regulation and very bad planning. In our area they just ripped up perfectly serviceable pathways and repaved them. Then a few days later they ripped up the ‘ends’ of the path near the sidewalk to pour concrete to store e-bikes and e-scooters for a vendor, paid for by residents. It’s stupid people in government wasting tax dollars. Cut taxes 25% with no borrowing and force massive government reductions.

  • @r.j.dunnill1465
    @r.j.dunnill1465 19 годин тому +1

    The City of Surrey was spending $8 million a month maintaining a second police force.
    They expect developers to front infrastructure costs.

  • @jasondonald675
    @jasondonald675 21 годину тому +1

    In Nova Scotia and Atlantic Canada HST is 15%... plus permitting. Government makes more money than the builders.

  • @Stormshfter
    @Stormshfter 23 години тому +1

    You are exactly right about looking at the UK.
    They are ahead of us in the cycle. Taxes will go up no matter who is in power.
    We are unfortunately in worse shape going forward due to our high household debt and high housing cost in relation to income.
    It is what it is.

  • @Carolinapetroska
    @Carolinapetroska 2 години тому +1

    The loonie is doing so bad against all major currencies especially the Euro. I am waiting to dump my loonies without losing my shirt but it's never a good time. It's collapsing a little more every day, just like the government of Canada bad decisions.....which of course affect the CAD for the worst.

  • @fillmorehillmore8239
    @fillmorehillmore8239 День тому +2

    100% on central banks not controlling rates. How about rates floating with the data on a quarterly basis? The CB's always overcorrect one way or the other.

  • @nikdujmovic5005
    @nikdujmovic5005 23 години тому +2

    a lot of Christians and Jews dont celebrate Halloween. Its pretty common here in the USA

  • @ToBTCoT
    @ToBTCoT 12 годин тому +1

    I am curious as to what are the potential crises that Keith could see happening?

  • @shingdaz
    @shingdaz 2 години тому

    13:52 yes the municiple corporations chose to charge new home owners 10 years of taxes in one purchase, to stave off having to increase taxes to the rest of home owners, thats why i toronto and ottawa municplalities are warning taxes will actually go up 7-10%, is this a resukts of lower building charges?

  • @ce7190
    @ce7190 12 годин тому

    Chamath has gone full Bitcoin on the All-In Podcast. Just waiting for Rich to take up that mantle

  • @rdefacendis
    @rdefacendis 22 години тому +1

    The rise in development charges is not a surprise. Cities decided to use stealth taxation to keep their cities running rather than raising property taxes. It will be up to Doug Ford to stop this practice (in Ontario). If it is stopped however, property taxes in Toronto would likely have to rise 20-30%. That kind of increase is unpalatable. The developer argument for lower development charges however, doesn't deal with both sides of the affordability issue. So we reduce the cost of a new condo but whoever buys it...investor or otherwise, will now be facing huge property tax increases - which by the way, you will pay, every- single- year going forward.

    • @zahadoom4488
      @zahadoom4488 16 годин тому

      People could not afford at 20 to 30% property tax increase, we are already paying INSANE property taxes in Canada.
      Government, and government spending is OUT OF CONTROL.
      The government has its hands in all sorts of stuff it has no business in, or offering, it can't afford it

  • @NCE-b2k
    @NCE-b2k 12 годин тому +1

    I don’t celebrate Halloween. It’s a witchcraft feast .

  • @fretstain
    @fretstain День тому +3

    how do we make money on CAD dropping? that would be useful to know

    • @Rawdiswar
      @Rawdiswar 23 години тому +2

      Go long USDCAD

    • @James-il3tq
      @James-il3tq 23 години тому +2

      Own assets, currencies and investments denominated not in CAD. USD being the safest bet. You can also go long hard assets like gold and bitcoin.

    • @steveshideler1333
      @steveshideler1333 16 годин тому

      Yeah. Commodities prices in USD are working for me.

    • @Carolinapetroska
      @Carolinapetroska 2 години тому +1

      You can't. Only losing money.

  • @jpl9148
    @jpl9148 23 години тому +1

    You forgot to include the Canadian dollar vs the Mexican Peso

  • @cortlandlaidlaw3888
    @cortlandlaidlaw3888 День тому

    Good to see the dollar prediction finally coming through.

  • @user-ej9ne8zn2q
    @user-ej9ne8zn2q 15 годин тому

    Curious if you Steve is still bullish on Calgary real estate? What’s your view on Calgary mid and long term?

  • @dirtlump
    @dirtlump 16 годин тому

    I agree.... If Oil tanks and the BoC still thinks it can "ride to the rescue" of the Real Estate Market without lockstep US Fed lowering..... think again, and look out below for the Canuck peso if the BoC does !

  • @IsmaelMartin-q5b
    @IsmaelMartin-q5b День тому +62

    Thanks for the update. I advise traders, especially beginners, to research the market before entering it. I have to say that trading is more rewarding than just owning. Big thanks to David Frank who always keeps me updated. I am so glad I started his program

    • @salizal
      @salizal День тому

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    • @IsmaelMartin-q5b
      @IsmaelMartin-q5b День тому

      He's mostly on Telegrams, using the user name

    • @IsmaelMartin-q5b
      @IsmaelMartin-q5b День тому

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    • @salizal
      @salizal День тому

      Thanks for the information... I'll get contact him as soon as possible. I also want to get good knowledge and stop losing.👊

    • @sanasheikhsana-i6e
      @sanasheikhsana-i6e День тому

      You are right, you can't just hold and expect to be very successful in Bitcoin………..Everything here is really really cool to me and i am reaching out to him right away…..

  • @DJRS2178
    @DJRS2178 День тому

    If they remove the stimulus (30%) where do you think existing house prices will go....

    • @rifleman4005
      @rifleman4005 2 години тому

      Stimulus? More like costs.

  • @stevecatpatrick8056
    @stevecatpatrick8056 Годину тому

    What I would like to know in the discussion on development charges is what development charges would be necessary to cover 100% of the costs of growth. Like instead of talking about always how they've grown in cost relative property taxes, let's go back to the fundamentals of why they exist and ask ourselves what does it cost on average to provide new schools, digging up the road to provide new greater infrastructure, etc. because growth should pay for growth so that would help decide if on average it makes more sense that they're in that 2 to 4,000 range versus 40,000 range. The city budget should be looked at itemized and averaged over time and the maintenance portion should be fully covered by property taxes while the growth portion should be fully covered buy new development charges. Rich pointed out that it was 10x, But the question is was the original amount anywhere close to enough? I feel like the reality is likely somewhere between those two values, which probably means development charges could go down by half but again I would like to determine them based on the actual financials and not feels.
    And to Rich's point on taxing housing as an essential good, I think the argument there is that we don't tax rent I believe? That's the cost of purchasing housing services, quite a bit different than actually buying a home. But I do agree that GST on house construction seems a bit silly, development charges make sense so growth pays for growth GST seems a bit much because ultimately it does get passed on.
    What to tax is a very interesting point as well that you touched on a bit. I can see the economic case for taxing consumption instead of investment, trying to follow what economists refer to as more efficient taxation that doesn't give you bad incentives like limiting investment is good if it ultimately leads to productivity increases, as productivity is the only free lunch and the ultimate goal to increase the pie. However it does make me think about how we craft the tax policy in a very globalized world, as putting taxes on foreign companies and people who profit from Access to your market does seem like something you would want and a reasonable trade-off for them getting to participate in your market. However doing so either ultimately gets passed down to your consumers anyway, or disincentivizes investment. But this is also a bit of trying to square the circle with the idea of progressive taxation and ensuring that the total tax burden everyone faces increases as a percentage for every additional marginal dollar they earn. To me that's a very important base value and I do feel like there should be some sort of activity irrelevant adjustment that ensures but nobody making X dollars pays a lower percentage of tax than anyone making x minus 1 dollar (or equal but you could in this case scale it to be a smooth formula where every marginal dollar does change the tax rate like a thousandth of a percent). The idea of applying these taxes " after" The market decisions on how to make them income source would be irrelevant, But is a bit of a conundrum when you're talking about dollars leaving country and therefore the tax base You need to tax them as they do so which would need CBDC levels of tracking of funds and would ultimately reduce foreign investment.

  • @uncubicle5993
    @uncubicle5993 19 годин тому

    what about building costs for new house construction?

  • @huskavarnapunkband
    @huskavarnapunkband 19 годин тому

    What kind of country has its citizens bet against their own country to make money. Lolol

  • @johnbates7949
    @johnbates7949 14 годин тому

    So outrageously priced housing was completely on purpose. 😂

  • @bc5810
    @bc5810 17 годин тому

    Correct,🇨🇦 taxes will rise in the 2025 budget, most likely this home equity sales tax on homes over $1 million.

  • @veeo987
    @veeo987 3 хвилини тому

    I love that Rich brought up the fact that other countries tax spending rather than income and investments. I hate that trend from Canadian conservatives to always cut sales taxes, but never income taxes. If we want to boost our productivity, we need to stop punishing income. Why work hard to make $100k that will be taxed to death when you can just buy homes, sit on them and sell them to pay capital gains taxes on 50% of profits? That's the big problem that Canada is facing right now. Rebalancing taxation to reward hard work will naturally deflate the housing bubble as more people will be tempted to work hard.

  • @zahadoom4488
    @zahadoom4488 16 годин тому +1

    A car I bought just 4 years ago costs over $6000 dollars more now, in 4 years.😮 A massive increase in 4 years. I'm afraid the Boomer in the room is the only one with a grip there these days.
    Removed percentage because people are going to argue about it, but it was a cheap car to begin with.. and it's hard to do comparison becuase they Removed the manual transmission option in 2024

  • @maikren2739
    @maikren2739 23 години тому

    when can i follow the loonie hour on X?

  • @reynoldslacybrleroymeuschke
    @reynoldslacybrleroymeuschke 23 години тому +2

    I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $2m+ before retirement.

    • @JoseLopez-lf9rw
      @JoseLopez-lf9rw 23 години тому

      As a newbie investor, it’s essential for you to have a mentor to keep you accountable.
      Kristine Lynn Weber is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

    • @AnastasiaAngelinaPetrova
      @AnastasiaAngelinaPetrova 23 години тому

      I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Kristine Lynn Weber, for her expertise and exposure to different areas of the market.

    • @JoseLopez-lf9rw
      @JoseLopez-lf9rw 23 години тому

      I don't really blame people who panic. Lack of
      information can be a big hurdle. I've been
      making more than $200k passively by just
      investing through an advisor, and I don't have
      to do much work. Inflation or no inflation, my
      finances remain secure. So I really don't blame
      people who panic.

    • @AnastasiaAngelinaPetrova
      @AnastasiaAngelinaPetrova 23 години тому

      Without a doubt! Kristine Lynn Weber is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.

    • @reynoldslacybrleroymeuschke
      @reynoldslacybrleroymeuschke 23 години тому

      how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally.. What's your take on this approach? and How can i reach her, if you don't mind me asking?

  • @datruth4766
    @datruth4766 19 годин тому

    The City should be charging developers on the land. If they purchase a piece of land and build twelve houses on it, the price should be the same as the same land with 400 condos.
    Why are we charging developers for the air above the land? If you utilize the air above your land that should be a bonus for you.

    • @huskavarnapunkband
      @huskavarnapunkband 19 годин тому +1

      It's an air tax

    • @dutchgirl7603
      @dutchgirl7603 19 годин тому +1

      400 units demands more on infrastructure usage. More water consumption, more wastewater treatment, more roads, and after a certain percentage increase means another fire department and more police.

    • @datruth4766
      @datruth4766 5 годин тому

      @dutchgirl7603 the owner of the condo unit pays the taxes for those things. If what you said was true, the homeowner wouldn't be paying taxes on their home for the next 40 years.
      P.S. Liking your own comments is distasteful.

  • @ToBTCoT
    @ToBTCoT 12 годин тому

    Keith is pretty much a bitcoin maxi via his perspectives on the central bankers yet doesn’t own any bitcoin.

  • @pwnu2
    @pwnu2 13 годин тому

    KEITH LET THEM TALK ABOUT BITCOIN!!!!!!!

  • @RickyLafayette
    @RickyLafayette 20 годин тому +2

    Boomer is on fire 🔥

    • @RC-fh2lk
      @RC-fh2lk 15 годин тому

      I tune in for boomers opinions!!

  • @tomgir
    @tomgir День тому +2

    I change my mind... Boomer is my favorite! Lol😂

  • @audittheauditors
    @audittheauditors 9 годин тому

    US will cut 25 bps... That will lower the US dollar.

    • @rifleman4005
      @rifleman4005 2 години тому

      The federal rate is not for mortgages. Many bond rates in USA are actually going up.

  • @nickjohnston3882
    @nickjohnston3882 13 хвилин тому

    Steve, I think it’s time to upgrade from the potato-quality webcam.

  • @andrewvader9077
    @andrewvader9077 21 годину тому

    68¢!

  • @harvgoodwin2917
    @harvgoodwin2917 16 годин тому

    The truth is the money is broken. Better start talking more about bitcoin boys. Love the boomer bit hes out of touch on this one in my opinion

  • @niekgottemaker7912
    @niekgottemaker7912 19 годин тому

    Boomer not wanting to mention BTC is hilarious😂😂

  • @phatster88
    @phatster88 День тому +2

    start at 17:15 you're welcome

  • @DegreatMarshal
    @DegreatMarshal День тому +12

    🙌 I really appreciate your clear and simple breakdown on financial pitfalls ! I lost so much money on crypto market but now making around $5k $7k every week trading different cryptos and stocks

    • @user-rk3ub1zz5m
      @user-rk3ub1zz5m День тому

      How!!☺️ I know it's possible,my sister always get 40k every week, I would appreciate if you show me how to go about it.

    • @rubendiaz8486
      @rubendiaz8486 День тому

      I have been struggling with stock and forex since 2022 making loose every time. I am struggling financially and am about to give up.
      Please please can someone reach for me and help me with trading please. I will appreciate it. Thank you

    • @FindMatters
      @FindMatters День тому

      Yeah! Our government has no idea how people are suffering these days. I feel for people with disabilities not getting the help they deserve. Thank you Mrs Anna imagine investing $12,000 and received $22,000

    • @johnsonleo7153
      @johnsonleo7153 День тому

      Please I'm new to this how can she be contacted.

    • @chidimmaStella-ok2zf
      @chidimmaStella-ok2zf День тому

      Get her on

  • @brysonhickok6578
    @brysonhickok6578 9 годин тому

    Look up the definition of Pigouvian Taxes then explain how taxing new housing does not obviously reduce supply of new housing. Next grab your tinfoil hat and start to think about what first principles a government would need to have to proudly advocate increasing income tax for any group...even "The Rich".

  • @Ponzuu28
    @Ponzuu28 День тому

    If housing wasn’t essential, there would be no homelessness

  • @surprisek3918
    @surprisek3918 21 годину тому

    Halloween is the best holiday. Wake up.

    • @RaphPorsche
      @RaphPorsche 21 годину тому

      Wrong, Dia de los muertos is!

  • @MyYoutube-yb7xc
    @MyYoutube-yb7xc 23 години тому

    Is it an economic show or a political one? At around 9:25 mark, did someone say that Trudeau increased the development charges? Those are municipal charges, not federal. The cities / municipalities charge the development fees, and they are the ones keeping the property taxes low and cover the infrastructure cost by charging the development fees. The federal government is now offering infrastructure funds to municipalities to ease bylaws and reduce charges, which the conservatives plan to abolish.

    • @zahadoom4488
      @zahadoom4488 16 годин тому

      Of course, because if the money is coming from the federal government, it's a tax on EVERYONE. The builders and buyers should be paying it

    • @MyYoutube-yb7xc
      @MyYoutube-yb7xc 14 годин тому

      @zahadoom4488 builders pass it on, only the buyers pay it. Then let's stop complaining about the housing affordability and the development charges and celebrate that the existing home buyers have lower property taxes. The additional population of the city/ municipality, will also expand the munciple tax base and help with the miniciple revenue.

    • @zahadoom4488
      @zahadoom4488 13 годин тому

      @MyUA-cam-yb7xc the builders should pass it on to the buyers, they are the ones creating the need for additional infrastructure.
      Most people don't want any more people in their town or cities.
      Blows me away why people think these costs should be downloaded on citizens who've already lived there or had to pay the burden of these costs when they moved in years ago...
      The problem is government spending is out of control and property taxes are being leveraged amd artificially raised to support massive inflated budgets.
      It's criminal and a form of gentrification.

    • @MyYoutube-yb7xc
      @MyYoutube-yb7xc 2 години тому

      @zahadoom4488 The city life works differently. By this logic, when the city needs to replace a 750k to a million dollar fire truck, or old police cars or aging sewage infrastructure, that should only be billed to the people who have been previously living there, created demand for that infrastructure, and used it for 30 years. The new citizens should only be paying for the things serving their new subdivision and not for repair or replacement of old roads in the city that don't go to their own home. But, the civic life works differently. And somehow people like to live in larger cities like Toronto, NY, LA, etc. Why? Because they have better hospitals ( plural), universities ( plural), office towers, job opportunities, facilities, and so on. If everyone adopts the NIMBY rationale and puts everything new people, the towns and cities won't grow. The best hospitals and infrastructure benefit everyone, and everyone should share. It used to be the property taxes that paid for such things, and it changed sometimes in the last 3 to 4 decades, gradually getting worse. But your argument makes it clear that it's not the federal government's responsibility, which I kind of agree with. Also, by the same logic, the rising home prices are a great thing, as most homeowners benefit from it and get rich er er... who cares about the next generations, if I am chilling, and can't see beyond my own backyard 😎

  • @ape8830
    @ape8830 20 годин тому

    Halloween is a catholic/christian holiday,l not a non-denominational childrens holiday Richard.

    • @huskavarnapunkband
      @huskavarnapunkband 19 годин тому

      Ya Rickey

    • @zahadoom4488
      @zahadoom4488 16 годин тому

      HUH?? I think you need to do some research. Halloween is definitely NOT Christian.

  • @GearsDemon
    @GearsDemon 22 години тому +1

    33:17 good point by Richie Rich.

  • @ToBTCoT
    @ToBTCoT 12 годин тому

    Keith is pretty much a bitcoin maxi via his perspectives on the central bankers yet doesn’t own any bitcoin.