The big, old, overly opinionated mortgage broker is worried about the future of housing for average Canadians
Toronto
Joined August 2010
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When I was a boy if you wanted to gamble you could go to the Racetrack or travel to Nevada
That was it
Today gambling is everywhere, all the time & utterly easy
Grab your phone & gamble
I am dead certain this doesn't create better lives & good outcomes
But it won't go away
Because our governments take a cut
Hey, I get people like to gamble, I have been to many a casino
And government likes to take their cut from Booze & Weed
Thing about gambling is how it's seeped into business too
What's Polymarket besides a Gambling Site?
6/
Another mortgage broker told me his 18 year son was much better than his Hockey Teammates: only bet on big games like Super Bowl or Stanley Cup
Rest of the team Sports Betting every week
WTF?
This is nuts
But why be surprised if our Governments ENDORSE gambling
5/
Of the massive changes in Society I have seen in 68 years the total acceptance of Gambling is one of the biggest
Key difference: accessibility
You can gamble on your phone effortlessly
This had led to the rise of Sports Betting among young men & teenagers
It's HUGE
4/
Nobody tells you they are gambling losses but it's obvious
One spouse (usually the woman) is pissed off about the refinance, the other spouse is extremely eager to get more money from the refi & they just did a previous refinance 18 months ago
Same pattern almost always
3/
Gambling & Sports Betting Grow Every Year It's Now A Vast Industry: Don't Be Surprised People Cheat
As a mortgage broker we are often exposed to the new Gambling Culture of the Western World
We can look at a refinance mortgage file & guess at huge amounts of gambling losses
2/
We Thought Canada Worshipped Real Estate: Imagine Disintegrating $200B To Create Land To Build Houses On
Everybody thinks these Gulf States are so advanced, they're ridiculous
Nothing is stupider than believing Real Estate is better than Tech, Manufacturing or R&D
Longest Most Boring Post In History Of Shrooms
Unbelievably complicated analysis of the potential for Magic Mushrooms to increase longevity
No mention of the most beneficial aspect of Shrooms: that you will be high as fuck
Doing magic mushrooms this Sunday.
Protocol
+ dose: 5 grams
+ frequency: 1x/mo for 3 mo
+ objective: exploring longevity effects
Measurement
+ 249 independent biomarkers
+ 29 vials of blood
+ brain scans
+ urine, stool, saliva, fertility
+ multi-omics profiling (DNA, epigenetics, metabolism, hormones, microbiome, proteins, cognition)
Cardiovascular
+ LDL-C
+ HDL-C
+ Triglycerides
+ Total cholesterol
+ Apolipoprotein B
+ Apolipoprotein A-1
+ Lipoprotein(a)
+ LDL-P
+ HDL-P
+ Small LDL-P
+ LDL size
+ Large VLDL-P
+ Large HDL-P
+ VLDL size
+ HDL size
+ LP-IR score
+ Oxidized LDL
+ Lp-PLA2 activity
+ Myeloperoxidase (MPO)
+ Homocysteine
+ VEGF
Hematology
+ WBC
+ RBC
+ Hemoglobin
+ Hematocrit
+ MCV
+ MCH
+ MCHC
+ RDW
+ Platelets
+ Neutrophils
+ Lymphocytes
+ Monocytes
+ Eosinophils
+ Basophils
+ Immature granulocytes
+ Erythropoietin (EPO)
+ ABO/Rh typing
Hormonal
+ Thyroid panel with TSH
+ Free T4
+ Testosterone
+ Dihydrotestosterone (DHT)
+ 5α-DHT
+ Prolactin
+ Estradiol
+ LH
+ FSH
+ Estrone (E1)
+ Estriol (E3)
+ Androstenedione
+ Androsterone
+ 5β-Androstanediol
+ Etiocholanolone
+ Cortisol
+ Cortisone
+ DHEA
+ DHEA-S
+ Pregnenolone
+ IGF-1
+ Melatonin (6-hydroxymelatonin sulfate)
Metabolic
+ Glucose
+ Insulin
+ Hemoglobin A1c
+ α-Hydroxybutyrate
+ β-Hydroxybutyrate
+ Uric acid
Kidney
+ BUN
+ Creatinine
+ eGFR
+ BUN/Creatinine ratio
+ Cystatin C
+ Urinalysis (specific gravity, pH, color, appearance, leukocyte esterase, protein, glucose, ketones, occult blood, bilirubin, urobilinogen, nitrite, WBC [hpf], RBC [hpf], epithelial cells, casts, bacteria)
+ Albumin/Creatinine ratio
Pancreatic
+ Total protein
+ Albumin
+ Globulin
+ Total bilirubin
+ Alkaline phosphatase
+ AST
+ ALT
+ GGT
+ Amylase
+ Lipase
Minerals
+ Sodium
+ Potassium
+ Chloride
+ CO₂ (bicarbonate)
+ Calcium
+ Magnesium
+ Iron
+ TIBC
+ UIBC
+ Iron saturation
+ Ferritin
+ Zinc
Vitamins
+ Vitamin B12
+ 25-hydroxy Vitamin D
+ Coenzyme Q10
+ α-Tocopherol
+ β-Carotene
+ Glutathione
+ Total glutathione
Amino Acids
+ Cysteine
+ Methionine
+ Taurine
+ Glycine
+ Serine
+ Threonine
+ Alanine
+ Valine
+ Leucine
+ Isoleucine
+ Phenylalanine
+ Tyrosine
+ Tryptophan
Inflammation
+ Interleukin-6 (IL-6)
+ Interleukin-10 (IL-10)
+ Tumor Necrosis Factor-α (TNF-α)
+ Rheumatoid factor (RF)
+ ANA by IFA
+ Calprotectin (GI inflammation),
+ Secretory IgA (mucosal immunity)
Neurology
+ P-tau217
+ Epinephrine metabolites (metanephrine, normetanephrine)
+ Homovanillate (HVA)
+ Vanilmandelate (VMA)
+ 5-Hydroxyindoleacetate (5-HIAA)
Toxicology
+ Lead
+ Lithium
Urology
+ PSA total
Fertility
+ Total Motile Count
+ Sample Volume
+ Concentration
+ Motility
+ Morphology
+ Count
Metabolomics
+ Citrate
+ cis-Aconitate
+ Isocitrate
+ α-Ketoglutarate
+ Succinate
+ Fumarate
+ Malate
+ Pyruvate
+ Lactate
+ 2-Hydroxyglutarate,
+ Hydroxymethylglutarate,
+ 3-Methylglutaconate,
+ 2-Methylsuccinate
+ Formiminoglutamate (FIGLU),
+ Methylmalonate (MMA),
+ Xanthurenate
+ Kynurenate,
+ Quinolinic acid
+ Glucarate,
+ 8-Hydroxy-2′-deoxyguanosine (8-OHdG),
+ Pyroglutamate
+ 3-Hydroxyphenylacetate,
+ 4-Hydroxyphenylacetate,
+ 2-Hydroxyphenylacetic acid
+ 4-Cresol,
+ p-Hydroxybenzoate,
+ Benzoate,
+ Hippurate/Hippuric acid
+ Phenylacetate/Phenylacetic acid,
+ Indoleacetate/Indoleacetic acid
+ Arabinose,
+ Citramalic acid,
+ α-Hydroxyisobutyric acid
Microbiome
+ Bacteroides fragilis
+ Bacteroides vulgatus
+ Faecalibacterium prausnitzii
+ Akkermansia muciniphila
+ Roseburia spp.
+ Eubacterium rectale
+ Lactobacillus spp.
+ Bifidobacterium spp.
+ Escherichia coli
+ Clostridium difficile
+ Enterococcus faecalis
+ Candida albicans
+ Saccharomyces boulardii
+ Prevotella copri
+ Ruminococcus spp.
+ Methanobrevibacter smithii
+ Blautia spp.
+ Proteobacteria spp.
+ Firmicutes/Bacteroidetes ratio
+ Beta-glucuronidase
+ Butyrate
+ Propionate
+ Acetate
Aging & Epigenetics
+ Telomere length
+ Relative telomerase activity
+ DNA methylation age
+ DNA methylation levels at CpG sites associated with biological aging
+ Glucocorticoid receptor methylation (NR3C1)
+ SIRT1 methylation
+ MTOR methylation
+ Oxidative stress response genes (NFE2L2 promoter methylation)
Cognitive
+ Brain age score
+ Functional connectivity strength
+ Global connectivity index
+ Hemodynamic response amplitude
+ Hemodynamic response latency
+ Resting-state oxygenated hemoglobin (HbO) concentration
+ Resting-state deoxygenated hemoglobin (HbR) concentration
+ Total hemoglobin (HbT) concentration
+ Oxygen saturation (O₂Sat)
+ Cerebral blood volume (CBV)
+ Cerebral blood flow (CBF)
+ Neurovascular coupling index
+ Prefrontal cortex oxygenation
+ Parietal cortex oxygenation
+ Temporal cortex oxygenation
+ Occipital cortex oxygenation
+ Task-evoked hemodynamic response (HbO/HbR)
+ Temporal autocorrelation of hemodynamics
+ Functional brain network modularity
+ Inter-regional coherence
+ Brain lateralization index
+ Oscillatory power (slow cortical fluctuations)
+ Phase synchronization index
+ Mean reaction time (during cognitive tasks)
+ Reaction time variability
+ Heart-rate variability (HRV)
+ Resting heart rate
Bottom line: lied to the country
All politicians lie but the stakes were never this high
Oh & what does an old, fat mortgage broker know about energy?
Just start Googling, ask Chat questions & read
It's all there
The world used a tiny bit more Oil last year than the previous year
Canada's failure to extract oil & gas & sell it to the world or even sell it to Quebec & Atlantic (who buy Saudi oil) is tragic
Carney never specified pipelines but what else creates: an Energy Superpower
6/
And Venezuela has the second largest proven crude reserves on Earth
Communists just can't pump any
A new US friendly Government & ExxonMobil will 10X production
That's production requirements removed from Canada
"But Ron Oil & Gas is finished"
No Dipshit, it's NOT
5/
The survival of CUSMA is extremely doubtful unless the Supreme Court & the midterms change everything in the US
Based on status quo no more CUSMA
Lurking at the edges of the pipeline issue is Venezuela
Trump's pressure on Maduro may work
Venezuela can become a US ally
4/
We need to proceed accepting this as a fact
Therefore Carney lied during the election
He lied about alot of things in the election (Elbows up everyone?)
But this was the most heartbreaking lie
Because it's become a question of Canada's economic survival
3/
Let's Just Be Clear: There are No Pipelines During A Carney Government
Let's say it again for emphasis: NO PIPELINES
He has had 6 months
He has presented a Budget
He opened a Projects Office
He has been asked about Pipelines 500 times
There are no Pipelines
2/
Everyone Needs To Come Back To The Office Says Every Big Company In Canada
Big Banks
Big Lifecos
Big Pension Plans
Big Law
Big Real Estate
Big Accounting
I could do a longer list
But why? Why not keep saving money on Rents?
Here's the true answer
Why do banks want all workers back in the office? 🏦
The legendary @ronmortgageguy unpacks the real reason there is a renewed push to call you back into the office.
This is VANCOLOUR
@CHEK_News 📺
FULL SEGMENT: tinyurl.com/2fd852jp
Full video here Https://piped.video/watc…
On @financialpost breaking down the Federal Budget 💰 — a bit of tax relief for a few homebuyers 🏡 and what it could mean for you
But Ontario?
Construction
Renovation
Finance (AI)
Manufacturing
I mean Automotive & Steel, come on.....
I just don't believe the Ontario numbers
Where are these stores that are hiring?
Maybe a new Costco or Walmart
But will that make up for all the stores that are slow?
I am sincere when I say that I have avoided saying Government Stats are cooked
And for all I know Quebec & other Provinces may be growing
6/