Moonbox
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Posts posted by Moonbox
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2 hours ago, Aristides said:
It would help people to qualify because of the increase in take-home pay could be taken into consideration.
It wouldn't, because underwriters use gross (pre-tax) income to qualify borrowers. That's true for both the lenders, and even more so for the insurers who underwrite high-ratio mortgages.
2 hours ago, Aristides said:That would be a choice you would have to make. You can't leave anything to the kids if you were never able to buy a home in the first place.
It's kind of a non-choice. The math on this would be so bad that it'd be nothing but a latent tax trap that would keep lower income families perpetually poor.
2 hours ago, Aristides said:Building homes is not real estate speculation, lack of supply has driven prices up, not speculation.
Unfortunately you're wrong. Lack of supply is definitely one of the biggest problems, but real-estate speculation has driven up prices dramatically as well. There was something like 1.3M vacant homes in Canada in 2022 - airbnbs, foreign students whose parents needed somewhere safe to park cash etc. 25 years ago, investment companies didn't play this game at all. Now, over 20% of purpose-built rentals are owned by large financial landlords (think REITs, fund companies etc) that make their money by turning over tenants any way they can and jacking the rents.
2 hours ago, Aristides said:Increasing taxes on capital gains does not encourage people to build homes.
No, but it will discourage speculative investing. I suspect we're going to see a lot of these airbnbs etc hit the market before the new rules take effect.
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42 minutes ago, Aristides said:
You would certainly be deducting a large part of it but you would also be able to pay of a mortgage quicker and it would make it easier for first time buyers to get into a home.
If the priority is to actually make it easier for first time homebuyers to get homes, the policy needs to have a surgical focus on that. This does far more for the wealthy than it does for renters trying to break into the market, and wouldn't help them qualify.
22 minutes ago, Aristides said:You could also make it optional. You could not deduct interest and sell with no capital gains tax or accept the deduction and pay tax when you sell.
It would be a devil's bargain - pay a little bit less now so you can pay orders of magnitude more later and leave nothing for your kids. You'd be crazy to take that deal.
The $250,000 threshold means that 99% of people will never encounter it, outside of real-estate speculation. Real-estate speculation is something that's poisoned Canada's allocation of capital since the turn of the century, and discouraging that is good policy (IMO).
The collateral damage is the real problem. Small business owners (like doctors) who want to sell their business will now either eat shit when they sell their practices, or they'll have to set up complicated, clunky and expensive succession plans where they sell the practice off over years to stay under the threshold. Dumb.
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1 hour ago, CdnFox said:
The charts show clearly the difference between a very densely populated area and less densely populated.
That's not what's being debated, donkey. Nobody, anywhere, ever argued that population density doesn't help spread viruses, which in turns leads to more deaths. Once again, you're just debating yourself.
The point of contention is that the USA's horrendously bad COVID performance wasn't because of population density. There are 185 countries in the world with higher population densities than the US, but only 13 that did worse with COVID. 🙃
Obviously, other factors were at play...
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2 minutes ago, Goddess said:
It must be hard going through life without the intelligence to comprehend the implications of things like that.
It must be hard to have spent the last several years angrily shouting at people, whilst getting laughed at.
I have the intelligence to understand that the scientific and medical consensus is worth more than the bitter ranting of buffoons doing their own research on Facebook etc.
You're a real Karen's Karen.
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45 minutes ago, Goddess said:
ExF and Moonie always remind me of those annoying kids who run around screaming and yelling and knocking shit over: "Everyone pay attention to Meeeeeeee!" while adults are trying to have a conversation.
Do you need to speak to the manager, Karen?
It's always a good laugh to see you pretending you're the adult here. 😆
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23 minutes ago, Nationalist said:
Again...I don't believe a word Nuland says.
and you're a great judge of credibility, as you parrot Tucker Carlson at every turn. 🙄
23 minutes ago, Nationalist said:Oh and...I'm not paying for Putin's homes...I am paying for comic-boy's.
The made-up ones that don't exist?
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Biological research facilities =/ bioweapon labs. Anyone who lives near a university lives near biological research facilities.
4 minutes ago, Nationalist said:On the bright side...clown-boy...Zelinsky is getting more money and will probably let his wife buy another house somewhere.
He should ask Putin if this is baby is for sale:
🙄
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2 hours ago, blackbird said:
Several people already read and they replied as did you. You are perfectly welcome to read or not read anything, and reply or not reply.
One other person replied, but nobody read your post.
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1 hour ago, CdnFox said:
And? Do you think any of those dead people got better since then?
No, but that doesn't make this chart you buffoonishly posted any more relevant.
w
You're posting figures from the first two months of the pandemic, from the ground-zero states. Using updated numbers, this chart loses all validity. The Red States (even the sparsely populated ones) did a great job catching up to NY, NJ and CT, and in many cases surpassed them! Shout out to the Bubbas!
1 hour ago, CdnFox said:It very clearly shows the impact of population density. And it mentions what experts thought about that and why it was a factor.
Yes, it was a factor. It was one factor, among many. It does not explain why US COVID outcomes were so poor compared to the rest of the world, as you attempted. US COVID outcomes were terrible across the board, adjusted for population density, and there's an exhaustive list of the most densely populated countries in the world doing much better.
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1 hour ago, Nationalist said:
Cave? To what?
Cave to naked aggression and wars of conquest.
1 hour ago, Nationalist said:Can Ukraine beat those Russian forces back? No.
Obviously they can, because they've been doing it since 2022. This whole war has gone about as poorly for Putin as possible.
1 hour ago, Nationalist said:Will the land Russia has taken ever be returned to Ukraine? No.
Maybe not, but the Ukrainians already took back large swathes of territory before, didn't they?
1 hour ago, Nationalist said:Is Ukraine out of military personnel and arms? Yes.
$60B of US aid being signed and on its way tomorrow.
1 hour ago, Nationalist said:Has it become evident Zelinsky and his cronies have been pilfering the financial aid from NATO? Yes.
Like your bioweapon labs? 🤡
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6 minutes ago, CdnFox said:
You literally said you have a problem with the research I posted.
If I did, surely you can provide a quote? Once again, you're just making stuff up and arguing with yourself.
10 minutes ago, CdnFox said:
That's from April 30, 2020, you absolute clown.
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5 minutes ago, blackbird said:
Why not? We are discussing it right now. Nothing stopping anyone from discussing it in any way. You just stated your reason for disagreeing.
Nobody's discussing your OP. Nobody's going to read it. Even if people don't immediately dismiss the post just by its title and the reputation and tendencies of its author, they certainly will when that wall of text assaults their senses.
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8 hours ago, CdnFox said:
You literally just denied this when you claimed the research i presented that proved it was flawed
Nope. That's just you making shit up, and arguing with yourself...again, LOL!
I have no problem with the research you posted. The problem is in the buff conclusions you drew from it.
9 hours ago, CdnFox said:I posted EVERY SINGLE STATE - the vast majority with lower population densities have lower death rates and that's what the research says as well
No, the research shows a moderate correlation (in the US ~0.55), which is is unsurprising given how viruses spread from person to person.
What it cannot explain is:
1) Why the worst performing states in the US are low density ones (like Arizona, Mississipi, West Virginia and New Mexico)
2) Why even States with lower population density to Canada performed significantly worse.
3) Why places in the world with 10x the population density of the USA had less than 50% of its population adjusted deaths.
Once again, you've pooped your pants and proven how much of a clueless bullshitter you are.
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9 hours ago, CdnFox said:
Population density significantly impacted mortality.
For reals? Diseases are more deadly in places with higher population density? Might as well tell us the sky is blue.
9 hours ago, CdnFox said:And states in the us who had population densities similar to canada had even lower mortality than we did.
Like...Alaska, with 2000 deaths per 100,000 (higher than Canada's ~1500) despite having 1/8th Canada's population density?
Like...Wyoming, with half Canada's population density, but double the COVID deaths per 100,000?
Once again, you've been caught cluelessly bullshitting. Way to humiliate yourself again.
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6 hours ago, eyeball said:
In addition to simplified tax systems we also need to make agreements with other countries that put everyone's tax systems on the same playing field so we can choke off the ability of wealth to play countries off against one another.
Yes, this goes for most taxes. Tax "arbitrage" for the wealthy, and for people in various different circumstances, is a dumb paradigm, but it's the one we live in.
6 hours ago, eyeball said:In addition to taxes on the rich we need sanctions against countries that refuse to get with the program and try to cater to tax avoidance and who embrace being chased to the bottom.
One of the reasons I don't like Canada's carbon pricing, and much of the green energy subsidies/requirements etc, is the same idea. In many cases, we fool ourselves into feeling good about what we're seemingly doing, but what's actually happening is companies are just moving to other countries where things are looser. In effect, we just export our pollution and bad business practices.
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6 hours ago, eyeball said:
In addition to simplified tax systems we also need to make agreements with other countries that put everyone's tax systems on the same playing field so we can choke off the ability of wealth to play countries off against one another.
Yes, this goes for most taxes. Tax "arbitrage" for the wealthy, and for people in various different circumstances, is a dumb paradigm, but it's the one we live in.
6 hours ago, eyeball said:In addition to taxes on the rich we need sanctions against countries that refuse to get with the program and try to cater to tax avoidance and who embrace being chased to the bottom.
One of the reasons I don't like Canada's carbon pricing, and much of the green energy shifts and subsidies, is because of this. In many cases it's a fool's game where our feel-good policies end up being an exportation of pollution to countries with different rules.
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5 hours ago, Aristides said:
Eventually we will come to the same point as the early nineties when creditors gave us an ultimatum and Chrétien/Martin had to slash spending. You can’t keep borrowing forever without your lenders eventually saying, enough.
Not just slash spending, but also hike taxes. The only reason we have the GST is because Trudeau Snr spent frivolously, and now his dope of a son is doing the same thing (but worse).
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50 minutes ago, Perspektiv said:
The US throwing billions and weapons is irrelevant, as you're sooner or later going to run out of qualified manpower.
Evidently it's not irrelevant, because the front line hasn't moved for 2 years, Ukraine is still standing, and the decrepit and incompetent Russian army has been utterly humiliated. 🙃
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47 minutes ago, Perspektiv said:
This war should never had occurred to begin with, and it having begun means it can only end on Russian terms.
Should have ever begun, but little Putin started it. Russian terms? If you're only concerned about Russian terms, then we're not really concerned about negotiation at all, but rather just caving.
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12 hours ago, Army Guy said:
Not sure why Canada is balking at sending more military aid,
Two thoughts:
1) Canada isn't likely to send much of anything while the US is waffling. It'd be like trying to dump a sand bucket of rocks to fix a broken dam. Not worth doing unless the heavy lifters are committed as well.
2) We barely have anything to give. Yes, we have a few tanks, but until the Ukrainian airforce is reinforced and their ammo shortages backstopped, we'd be sending expensive (albeit old) equipment that isn't being properly supported. Beyond that, our military is crippled by decades of neglect, so our support is probably never going to amount to more than $$$ and a few tokens.
Fortunately, the US Republicans aren't completely beholden to Orange Man and just passed $60B worth of Ukraine aid today...That's something. JT needs a swift kick in the acehole to start doing something meaningful. Don't worry though. All that money that could be spent rehabilitating our abused military will be well-spent on giving unnecessary public service jobs to immigrants we don't want or need. 😐👍
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The capital gains tax, on its own, isn't the worst policy out there. It's clunky and further complicates our tax code, but it at least does two good things:
1) It discourages housing speculation.
2) It clamps down on a lot of the gaming that's done by the super-wealthy when it comes to corporations and the like.
Both of these are good, but it's kind of a band-aid on a gunshot wound in regards to improving/adjusting our tax system. We should be simplifying it, rather than further complicating it.
Anyone who has a cottage and wants their kids to inherit better go by a nice fat last-to-die life insurance policy though...
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6 hours ago, CdnFox said:
I literally posted proof it was. Oh wait - i forgot you can't read more than two sentences without taking a break so you probably missed that
ROFLMAO!!!!!
No, you posted a study from Brazil that (so shockingly) concluded that population density in Brazil was correlated with COVID deaths.
It did absolutely nothing to explain why the USA performed abysmally during COVID and had more deaths per capita than almost any other country in the world, despite it's low population density.
6 hours ago, CdnFox said:Well i hate to argue with all those scientists who did all that research and stuff
Obviously you do. 🙃
6 hours ago, CdnFox said:ROFLMAO!!!! The only one ranting here kiddo is you
Everyone can practically hear you drooling and foaming from here
As you do every time. So we're at the hissy fit stage, can the "It's all the fault of your post count" stage be far behind?
Sorry little muppet, but just because your emotions boil over at the drop of hat, doesn't mean it's the same for everyone else. Go outside and breath some fresh air. The answer to your crushing loneliness is not here.
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29 minutes ago, ExFlyer said:
Ain't it fun to wind up canfux and westconman??? LOL
Wastecanman has been on ignore since probably 2020. He's a complete clown and has nothing of value to say, but he presumably has a life outside this forum and doesn't need to make himself the centre of attention and derail +80% of its threads. Put him on ignore, and you forget he exists.
Meanwhile, this other absolute no-life is drowning the forum in his fragile, belligerent performances. At any given time, he's derailing half a dozen or more threads and battling it out with at least as many different people.It's mildly entertaining, I guess, to trigger him. His complete lack of self-awareness and composure makes it easy, and you get some chuckles out of it. On the other hand, like everyone else in his life obviously feels, I'd prefer he wasn't here. 😆
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59 minutes ago, CdnFox said:
I prefer honesty and truth - you prefer lies and bullshit, and saying LMAO when you realise you've been busted
You prefer raving and carrying on. Nobody makes up more and bullshits more than you here. Nobody spends as much time fighting here than you. Nobody has less going on in their life, and fewer people to talk to, than you.
These are objective, honest truths.
Canada: a sleepy, complacent thoughtless place
in Federal Politics in Canada
Posted
North American public transit is deficient because of wokeness? What can't you people bogeyman with that? 🤣