Hi Mike, I would say yes, see the https://gordcollins.com/real-estate/mississauga-real-estate-forecast/ post on those trends. Milton has no room to grow with everyone wanting to live there. They’ll get the free trade deal resolved and Doug Fords new plan to expand northward into farm country will stimulate the economy like crazy. Detached in Mississauga/Milton are rare finds so not surprising Milton has the 3rd lowest days on market in the GTA. Once Ford is in, the prices will rise because he probably will turn the economy on.
1st, sorry you lost your home. That said, had you read your loan documents you’d have seen the language advising you that loans are bought and sold on the secondary market all the time and the originator did not NEED your permission to do so. The sale of your loan to another bank, investor, Fannie, etc., had no effect on your payment, interest rate, term, etc. So the sale of your loan, regardless of how many times it was repackaged and sold, did not cause you to lose your house. If along the way the new holder of your “note” did not have an auto pay option, that was up to you follow up on and find out exactly HOW/WHERE they wanted you to make your payment. Again, sorry you lost your home, but the sale of mortgage backed securities (your loan) has no effect on the Payor (you) as terms cannot be altered (now THATS something they would need your approval on). The only way an eventual noteholder could foreclose on you is if you failed to make your payments as required…Did you stop making payments for some reason? A lot of good people got hurt in the crisis but there seems to be more to this than a repeated sale of the original note…I’ve been in my present home 26 years, have had several mortgages sold and sold again with no issues…most important thing is to confirm with your present lender that they had, in fact sold your note and the party telling you they now own your note are, in fact, who they say they are. Best of luck.
"I think we're going to work through this continued intersection of domestic and international political risk, with the fact the economy is very good and the earnings projection is very good, and the valuations are creeping up, but they're by no means excessive, with interest rates at this level," said Julian Emanuel, chief equity and derivatives strategist at BTIG. "But our view has been all along that basically you've got to fix the relationship with China in order to really make material further upside progress."

Benchmark equity indices crashed on Friday after opening on a positive note. At 1:07 pm, the S&P BSE Sensex tanked 672.38 points or 1.81 per cent to trade at 36,448.84. The broader Nifty50 was trading at 11,042.55,  down 191.80 points or 1.71 per cent. Yes Bank was the top loser in the Sensex pack today by tumbling as much as 34.03 per cent in early trade today after the Reserve Bank of India (RBI) asked its managing director and CEO Rana Kapoor to step down after an extended term till January 31, 2019.
What you can do is prepare for the next crash. In fact, regardless of how the stock market is doing today, you should be prepared for a crash – because unexpected events (black swans) can trigger one at any time. You don’t need to wait for the next stock market crash prediction to come along to learn about bear markets, how they occur, why they occur, and what you can do to avoid being wiped out. We prepared this guide for that very reason.

Futures and options markets are hedging and risk transfer markets. The report references a series of bona fide hedging transactions, totaling 75,000 contracts, entered into by an institutional asset manager to hedge a portion of the risk in its $75 billion investment portfolio in response to global economic events and the fundamentally deteriorating market conditions that day. The 75,000 contracts represented 1.3% of the total E-Mini S&P 500 volume of 5.7 million contracts on May 6 and less than 9% of the volume during the time period in which the orders were executed. The prevailing market sentiment was evident well before these orders were placed, and the orders, as well as the manner in which they were entered, were both legitimate and consistent with market practices. These hedging orders were entered in relatively small quantities and in a manner designed to dynamically adapt to market liquidity by participating in a target percentage of 9% of the volume executed in the market. As a result of the significant volumes traded in the market, the hedge was completed in approximately twenty minutes, with more than half of the participant's volume executed as the market rallied—not as the market declined. Additionally, the aggregate size of this participant's orders was not known to other market participants.

One particular kind of stock to give special consideration to are dividend-paying stocks. That's because they can simply be great investments on their own and also because when they fall in price, their dividend yields get pushed up. That's a matter of simple math, because a dividend yield is just a fraction -- a stock's total annual dividend divided by its recent stock price. As a simple example, imagine a company that pays out $0.25 per quarter per share, or $1 per year per share. Imagine that it's trading for $50 per share pre-crash and that it falls to $40 post-crash. The dividend stays the same -- though companies in deep trouble may indeed cut or eliminate their dividend. Divide $1 by $50 and you'll get 0.02, or a 2% dividend yield. Divide $1 by $40, and you'll get 0.025, or a 2.5% yield. If the stock falls in half, to $25 per share, its dividend yield will be 4%. That's why market downturns can be great for dividend investors -- not only are dividend yields boosted, but depressed stock prices can also be bargains, with the promise of growth when the market recovers.
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Soaring home prices, combined with 50-year low interest rates, have lulled U.S. homebuyers into a false sense of security. But current economic conditions, combined with the actions of overly aggressive lenders, leave the housing market ripe for a major crash. The Coming Crash in the Housing Market is the first rational, unbiased examination of the dangers homeowners face in today's climate of overpriced housing and overextended credit. Asking and answering questions that have for too long been ignored, respected economic consultant John Talbott provides:
"Dollar dominated the last 24 hours as the rupee collapsed to a fresh all-time low on spot. Policymakers tried everything, monetary intervention, and verbal steroids and even tried to circulate rumours about an "oil window". Nothing worked," said a Kotak Securities report. "The RBI added fuel to fire by denying any attempts to introduce special dollar window for the oil marketing companies." Moreover, rising Italian credit spreads whacked the euro, further pressuring the rupee.

Each of these consoles had its own library of games produced by the console maker, and many had large libraries of games produced by third-party developers. In 1982, analysts noticed trends of saturation, mentioning that the amount of new software coming in will only allow a few big hits, that retailers had too much floor space for systems, along with price drops for home computers could result in an industry shakeup.[3]

Professor:        I certainly believe so, but this will happen with extreme volatility. I am more worried about the retail investor the so called silent majority. With this wild fluctuation, his survival rate in the market is next to zero. He will not easily believe that the market will bounce back in the near term. You cannot blame him. His ability to withstand paper loss (temporary) is very small. So he will easily buckle and sell out. All I can say is that we are slowing moving into a panic mode. We still have to wait a while to see the green shoots. Are we ready to wait?
The New York Times then noted, "Automatic computerized traders on the stock market shut down as they detected the sharp rise in buying and selling".[25] As computerized high-frequency traders exited the stock market, the resulting lack of liquidity "caused shares of some prominent companies like Procter & Gamble and Accenture to trade down as low as a penny or as high as $100,000".[25] These extreme prices also resulted from "market internalizers",[44][45][46] firms that usually trade with customer orders from their own inventory instead of sending those orders to exchanges, "routing 'most, if not all,' retail orders to the public markets—a flood of unusual selling pressure that sucked up more dwindling liquidity".[26]

All the main stock indexes of the future G7 bottomed out between September and December 1974, having lost at least 34% of their value in nominal terms and 43% in real terms.[1] In all cases, the recovery was a slow process. Although West Germany's market was the fastest to recover, returning to the original nominal level within eighteen months, it did not return to the same real level until June 1985.[1] The United Kingdom didn't return to the same market level until May 1987 (only a few months before the Black Monday crash), whilst the United States didn't see the same level in real terms until August 1993, over twenty years after the 1973–74 crash began.[1]
The NASDAQ released their timeline of the anomalies during U.S. Congressional House Subcommittee on Capital Markets and Government-Sponsored Enterprises[73] hearings on the flash crash.[2] NASDAQ's timeline indicates that NYSE Arca may have played an early role and that the Chicago Board Options Exchange sent a message saying that NYSE Arca was "out of NBBO" (National best bid and offer). The Chicago Board Options Exchange, NASDAQ, NASDAQ OMX BX and BATS Exchange all declared self-help against NYSE Arca.[2]
The rising share prices encouraged more people to invest, hoping the share prices would rise further. Speculation thus fueled further rises and created an economic bubble. Because of margin buying, investors stood to lose large sums of money if the market turned down—or even failed to advance quickly enough. The average P/E (price to earnings) ratio of S&P Composite stocks was 32.6 in September 1929,[22] clearly above historical norms.[23] According to economist John Kenneth Galbraith, this exuberance also resulted in a large number of people placing their savings and money in leverage investment products like Goldman Sachs' "Blue Ridge trust" and "Shenandoah trust". These too crashed in 1929, resulting in losses to banks of $475 billion 2010 dollars ($533.06 billion in 2017).[24]
As we mark the 10th anniversary of the collapse of Lehman Brothers, there are still ongoing debates about the causes and consequences of the financial crisis, and whether the lessons needed to prepare for the next one have been absorbed. But looking ahead, the more relevant question is what actually will trigger the next global recession and crisis, and when.
It is just another business cycle, albeit an extended one, coming to an end: not TEOTWAWKI. Therefore it is safe to say that the downturn will be extended too because foreclosures (as an example) have not been assimilated from the last crash yet; and a new round of bankruptcies and foreclosures will follow the economic decline for those who are levered.
Some academics view the Wall Street Crash of 1929 as part of a historical process that was a part of the new theories of boom and bust. According to economists such as Joseph Schumpeter, Nikolai Kondratiev and Charles E. Mitchell, the crash was merely a historical event in the continuing process known as economic cycles. The impact of the crash was merely to increase the speed at which the cycle proceeded to its next level.
Any of the measurements people quote—any of the stock market indexes which go up and down—are just measurements. They're averages. They're big bundles of numbers all mixed together. In all truth, they only reflect a snapshot of a point in time. They're numbers that stocks happened to end on when trading stopped for the day (or, at least, paused until after hours trading took over).

Robbins has also sold a crazy number of books. And while he may not be best known for his investing chops, he draws on the likes of Ray Dalio, Jack Bogle and others for the inspiration behind his #1 best-seller “Unshakeable: Your Financial Freedom Playbook,” which MarketWatch earlier this year counted among the eight best books about money published in 2017.
Any of the measurements people quote—any of the stock market indexes which go up and down—are just measurements. They're averages. They're big bundles of numbers all mixed together. In all truth, they only reflect a snapshot of a point in time. They're numbers that stocks happened to end on when trading stopped for the day (or, at least, paused until after hours trading took over).

However, if China’s economy falters it might. Geopolitical turmoil concerning North Korea, Iran, Syria or Russia could also become a catalyst if things escalate enough. It’s most likely that the next market crash, whenever it occurs, will be the result of a perfect storm caused by several factors. But, since it’s not something anyone can predict, it’s best to concentrate on being prepared for a crash whenever it may occur.


Is funny, the tropical depression is well away from us but we are getting an extremely wet weather system over the state, they call it an anti-cyclone, whatever that is, all i know is i could use some sunshine, been raining for weeks, only one or two days here and there that didnt rain. Too damn wet, crops rotting in the field, at least the market crops, oh well, such is life as a farmer!


It is just another business cycle, albeit an extended one, coming to an end: not TEOTWAWKI. Therefore it is safe to say that the downturn will be extended too because foreclosures (as an example) have not been assimilated from the last crash yet; and a new round of bankruptcies and foreclosures will follow the economic decline for those who are levered.

The big banks expect interest rates to continue to rise to between 2.25 per cent and 2.75 per cent by the end of 2019. And that will keep turning the screws on Canadians’ budgets, with more money going toward mortgage and other debt payments and less left as disposable income. Climbing rates will also continue to raise the bar for wannabe homeowners who to pass the federal mortgage stress test in order to qualify for a new mortgage.


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For example, we have around 20,000 days of trading date over the last century to help us understand day to day movements in stocks. Yet, for crashes there are only  around ten to twenty events over the past century depending on how a crash is defined, so there’s simply less data to look at. More worryingly, at times of market stress the market's behavior seems to change.
A bear market evolves, often after a stock market crash, when investors grow pessimistic about the stock market, and as share prices fall as supply begins to outpace demand. Economists usually refer to a bear market as the result of the stock market losing 20% of its value over a 52-week period. They usually last about four years, although many don't last even that long. Historically, bear markets are a great time to buy stocks, as prices are low and value is high, and that's exactly what smart investors do.

Hi Sandy, I was just reading a post on Bnn.ca about how happy a couple who invested in rental housing investors were. They got their mortgage paid off and were living a lifestyle with retirement they couldn’t get any other way. If you’re becoming a landlord, make sure you do tenant screening really well. The economy in the Hamilton area and the housing market have been the best anywhere. It’s an excellent area with the escarpment and everything. Assuming you can afford the property, there are plenty of high paying tenants available. The rental squeeze won’t end, so you can pick and choose. Long term, it’s the smartest move to make. Unless, your tenant is prone to financial difficulty. One room for yourself? You’d better make a separate entrance thing, do it right, and it should change your life. Take a look at my posts over at ManageCasa and get immersed in the world of property management. Even if the market collapses, you’ll likely be fine if you manage your finances well. You can afford this right?


In putting this into practice today, let’s assume we have $100,000 invested in equities currently so we need to buy $500 in 2-month put options (0.5% of $100,000) that are 30% below the current underlying price. SPY trades at 219.4 as I write this so $154 is about 30% beneath this price. A small segment of the October 21 put options chain is below (from Yahoo!Finance). Looking at the ask prices and volume it looks like the 155 puts are a bit more liquid and better priced than the 154 puts. At $9 each (9c times 100 shares) we can buy 55 of the October 155 put options for $495.
As the large seller's trades were executed in the futures market, buyers included high-frequency trading firms—trading firms that specialize in high-speed trading and rarely hold on to any given position for very long—and within minutes these high-frequency trading firms started trying to sell the long futures contracts they had just picked up from the mutual fund.[23] The Wall Street Journal quoted the joint report, "'HFTs [then] began to quickly buy and then resell contracts to each other—generating a 'hot-potato' volume effect as the same positions were passed rapidly back and forth.'"[23] The combined sales by the large seller and high-frequency firms quickly drove "the E-Mini price down 3% in just four minutes".[23]

My guess is we’ll see a continued decline overall this fall with the luxury market seeing a bigger drop. The liberal’s vacant home tax would be pathetic, just a psychological tactic to scare away Asian buyers. The overall Canadian market isn’t strong which indicates the economy isn’t great. The Toronto market has a lot of downward momentum that could continue right through to spring. Vancouver has bounced back from government meddling so maybe by spring Toronto can do it too. Can Toronto continue to be isolated from the Canadian economy? The NAFTA deal is what could send the Toronto Housing Market and the economy crashing. Overall, homeowners would be wise to sell because prices are high and availability limited. Why wait for lower prices in 6 months?


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