#investing in us real estate from canada

[citizencapital]

Unlocking Opportunities: Real Estate Debt Funds as Private Alternative Investments

Real estate debt funds are a category of private alternative investments that offer investors the chance to participate in the real estate market without directly owning physical properties. These funds operate in a manner that can be quite distinct from traditional real estate investments, opening up opportunities for both seasoned investors and those looking to diversify their portfolios.

Understanding Real Estate Debt Funds

At its core, a real estate debt fund is a collective investment vehicle that pools funds from multiple investors with the aim of lending that capital to real estate developers, operators, or property owners. These funds may focus on various types of real estate debt instruments, including mortgages, bridge loans, mezzanine financing, and more.

How Real Estate Debt Funds Work

Capital Pooling: Investors contribute their capital to the fund, creating a pool of funds that can be used to originate loans to real estate projects or entities.

Loan Origination: The fund manager or sponsor identifies lending opportunities, conducts due diligence on borrowers and properties, and originates loans with the pooled capital.

Interest Income: As the loans are repaid with interest, the fund generates income, which is then distributed to investors. This income can provide a regular cash flow component to the investment.

Diversification: Real estate debt funds often hold a diversified portfolio of loans across different property types and regions, which can help spread risk.

Why Consider Real Estate Debt Funds

1.Diversification: Investors can diversify their portfolios without the need to purchase and manage physical properties. Real estate debt funds provide exposure to real estate markets without the responsibilities of property ownership.

2.Risk Mitigation: While all investments carry some level of risk, real estate debt funds may offer a degree of risk mitigation through diversification, loan-to-value ratios, and other underwriting criteria.

3.Income Potential : Real estate debt funds can offer attractive yields compared to traditional fixed-income investments like bonds, making them appealing for income-focused investors.

4.Professional Management : These funds are typically managed by experienced professionals who specialize in real estate lending and have expertise in assessing credit and property risks.

5.Potential for Equity-Like Returns : Depending on the type of debt and the terms of the loans, investors may participate in the potential upside of real estate projects, akin to equity investors.

Risks to Consider

1.Market Risk: Real estate markets can be cyclical, and economic downturns can impact property values and the ability of borrowers to repay loans.

2.Credit Risk: The creditworthiness of borrowers can affect the performance of the loans. Loan defaults can lead to losses for the fund.

3.Interest Rate Risk: Rising interest rates can impact the profitability of real estate debt funds, as borrowing costs may increase while existing loan rates remain fixed.

4.Liquidity: Unlike publicly traded stocks and bonds, real estate debt funds can have limited liquidity, making it challenging to access your capital quickly.

In conclusion, real estate debt funds offer a unique way to invest in real estate without the challenges of direct property ownership. While they come with their own set of risks, they can be a valuable addition to a diversified investment portfolio, providing income potential and risk mitigation benefits.

In upcoming sections, we'll explore the potential benefits and risks of real estate debt funds in more detail, as well as considerations for incorporating them into your investment strategy. Stay tuned!

Feel free to continue building on this blog post by discussing the potential benefits and risks of real estate debt funds in more detail, as well as providing guidance on how investors can evaluate and incorporate them into their investment strategies. If you have specific points you'd like to cover or questions to address, please let me know, and I can provide further content accordingly.

[reasonsforhope]

"In some cities, as many as one in four office spaces are vacant. Some start-ups are giving them a second life – as indoor farms growing crops as varied as kale, cucumber and herbs.

Since its 1967 construction, Canada's "Calgary Tower", a 190m (623ft) concrete-and-steel observation tower in Calgary, Alberta, has been home to an observation deck, panoramic restaurants and souvenir shops. Last year, it welcomed a different kind of business: a fully functioning indoor farm.

Sprawling across 6,000sq m (65,000 sq ft), the farm, which produces dozens of crops including strawberries, kale and cucumber, is a striking example of the search for city-grown food. But it's hardly alone. From Japan to Singapore to Dubai, vertical indoor farms – where crops can be grown in climate-controlled environments with hydroponics, aquaponics or aeroponics techniques – have been popping up around the world.

While indoor farming had been on the rise for years, a watershed moment came during the Covid-19 pandemic, when disruptions to the food supply chain underscored the need for local solutions. In 2021, $6bn (£4.8bn) in vertical farming deals were registered globally – the peak year for vertical farming investment. As the global economy entered its post-pandemic phase, some high-profile startups like Fifth Season went out of business, and others including Planted Detroit and AeroFarms running into a period of financial difficulty. Some commentators questioned whether a "vertical farming bubble" had popped.

But a new, post-pandemic trend may give the sector a boost. In countries including Canada and Australia, landlords are struggling to fill vacant office spaces as companies embrace remote and hybrid work. In the US, the office vacancy rate is more than 20%.

"Vertical farms may prove to be a cost-effective way to fill in vacant office buildings," says Warren Seay, Jr, a real estate finance partner in the Washington DC offices of US law firm ArentFox Schiff, who authored an article on urban farm reconversions. 

There are other reasons for the interest in urban farms, too. Though supply chains have largely recovered post-Covid-19, other global shocks, including climate change, geopolitical turmoil and farmers' strikes, mean that they continue to be vulnerable – driving more cities to look for local food production options...

Thanks to artificial light and controlled temperatures, offices are proving surprisingly good environments for indoor agriculture, spurring some companies to convert part of their facilities into small farms. Since 2022, Australia's start-up Greenspace has worked with clients like Deloitte and Commonwealth Bank to turn "dead zones", like the space between lifts and meeting rooms, into 2m (6ft) tall hydroponic cabinets growing leafy greens.

On top of being adaptable to indoor farm operations, vacant office buildings offer the advantage of proximity to final consumers.

In a former paper storage warehouse in Arlington, about a mile outside of Washington DC, Jacqueline Potter and the team at Area 2 Farms are growing over 180 organic varieties of lettuce, greens, root vegetables, herbs and micro-greens. By serving consumers 10 miles away or less, the company has driven down transport costs and associated greenhouse emissions.

This also frees the team up to grow other types of food that can be hard to find elsewhere – such as edible flower species like buzz buttons and nasturtium. "Most crops are now selected to be grown because of their ability to withstand a 1,500-mile journey," Potter says, referring to the average distance covered by crops in the US before reaching customers. "In our farm, we can select crops for other properties like their nutritional value or taste."

Overall, vertical farms have the potential to outperform regular farms on several environmental sustainability metrics like water usage, says Evan Fraser, professor of geography at the University of Guelph in Ontario, Canada and the director of the Arell Food Institute, a research centre on sustainable food production. Most indoor farms report using a tiny fraction of the water that outdoor farms use. Indoor farms also report greater output per square mile than regular farms.

Energy use, however, is the "Achilles heel" of this sector, says Fraser: vertical farms need a lot of electricity to run lighting and ventilation systems, smart sensors and automated harvesting technologies. But if energy is sourced from renewable sources, they can outperform regular farms on this metric too, he says. 

Because of variations in operational setup, it is hard to make a general assessment of the environmental, social and economic sustainability of indoor farms, says Jiangxiao Qiu, a landscape ecologist at the University of Florida and author of a study on urban agriculture's role in sustainability. Still, he agrees with Fraser: in general, urban indoor farms have higher crop yield per square foot, greater water and nutrient-use efficiency, better resistance to pests and shorter distance to market. Downsides include high energy use due to lighting, ventilation and air conditioning.

They face other challenges, too. As Seay notes, zoning laws often do not allow for agricultural activity within urban areas (although some cities like Arlington, Virginia, and Cincinnati, Ohio, have recently updated zoning to allow indoor farms). And, for now, indoor farms have limited crop range. It is hard to produce staple crops like wheat, corn or rice indoors, says Fraser. Aside from leafy greens, most indoor facilities cannot yet produce other types of crops at scale.

But as long as the post-pandemic trends of remote work and corporate downsizing will last, indoor farms may keep popping up in cities around the world, Seay says. 

"One thing cities dislike more than anything is unused spaces that don't drive economic growth," he says. "If indoor farm conversions in cities like Arlington prove successful, others may follow suit.""

-via BBC, January 27, 2025

[dizzymoods]

Lots of VC questions recently. Someone emailed about what they should be engaging with to develop their artistic voice. Here's my answer:

In terms of guidance, Werner Herzog, who is admittedly a weirdo, said that the best thing a film student can do is go backpacking cross country, which I would never do. But the point he was ultimately making is that life experience is more important than anything a film school can teach you. Your artistic voice develops more sharply the more intune you are with the world; all the film stuff is superfluous really. So that would be my major advice. Live life! Be open to all sorts of experiences.

Outside of that I would say to read and watch anything and everything you can get your hands on. Especially stuff that has nothing to do with film. Be curious, which is to say non-judgemental. Sitting through stuff that you have no interest in or actively hate is good! It develops your taste in ways that seeking out only what you like can never do. It also expands your horizons and teaches you how much you actually don't know about anything. Keeps you humble. You'll be surprised 5 years on how something that you had no interest in is super relevant to what you're trying to do.

I'll drop some recommendations later but something you are going to run into is paywalls and exorbitant costs. Scihub, Libgen, and PaywallReader can be your friends in this regard. The more niche something is, the less mirrors there are. Investing in an internet audio/video ripper is essential. Rip often and indiscriminately. Nothing is safe unless you triplicate it. And if you can't afford hard drives, dummy alphabet accounts are the next best thing. Also, footnotes and reference lists are treasure troves of breadcrumbs.

The standard VC reading list includes: Reel to Real, The Devil Finds Work, Playing in the Dark, Young British & Black, Ways of Seeing (also a documentary), Orientalism, Film Manifestos and Global Cinema Culture, Questions of Third Cinema, Hollywood & Counter Cinema, Figures Traced in Light, Parallel Tracks, and Basho: The Complete Haiku

Hundreds of films can be found on Solidarity Cinema. Cinema of the World has a deep archive but you need to have space and a nitrofile account to download most films, but you can snipe a few films here and there (or look for them elsewhere). Rarefilmm updates semi-regularly and you can stream the films; they are now more active on twitter and are even taking requests. Some state-sponsored film industries have robust presences on youtube with english subs: Russia's Mosfilm/FUSE Mosfilm, Canada's NFB, the Korean Film Archive, Native People's Media. There's UbuWeb for all your avant-garde needs. There's FIlmmaker's Co-Op (pay-per-view), Paper Tiger Television, and Deep Dish Television for NYC indie stuff. AfroMarxist has a fair amount of political documentaries. NMAHC has an archive that houses the work of Chamba Productions and some of Pearl Bowser's stuff. And of course there's the legendary MikeD of ReelBlack. It's a crap shoot but some filmmakers and/or their estates make work available free online (Leo Hurwitz and Julie Dash come to mind). I'd recommend a Kweli TV subscription for black film, and never be surprised by what you can find on youtube or tubi!

This is probably super overwhelming but the joy of being an autodidact is the thrill of discovery so peruse at your leisurely interest. The internet is your oyster if you know how to use it! Back in my day hardly any of these sites existed and the ones that did weren't as robust as they are now. I've had to frankenstein whole movies from various clips posted in 144p on youtube 😩

I used to do a couple of themed months a year where I'd read and watch as much as possible about a filmmaker, genre, or movement that interested me. I'd spin a globe to learn a little about a random country's cinema. Best of lists/canons don't really mean much but they are good sources of stuff to at least be aware of.

[scifrey]

Listen.

If you've read my fics, you know that I love history. I love pageantry. I love symbolism. I love beautiful clothes, and art, and jewels. I love going behind the scenes and seeing into castles and manor houses. I love parades, and the hidden meaning behind coronations, and the fairytale unreality of the lives of the gentry.

I believe, however, that all of these things should be ARTIFACTS.

I believe there is literally no point in upholding a monarchy or commonwealth any more.

Allow commonwealth countries become republics. Allow Scotland, Northern Ireland, and Wales to return to being seperate nations if they vote to become so. Allow those republics to create their own network of mutual support, should they so choose to. There's no reason to not keep up Commonwealth ties and festivals even if there's no Commonwealth.

Repatriate artifacts, art and jewels to their nations of origin. Offer monetary compensation/support for cultures violated and impoverished by colonialism. Help establish democracies where needed, and butt the hell out where they're not. (And especially don't establish puppet democracies, ew.)

Let the British royal family become symbolic tourist attractions, let them fund their own charities, and throw their parties, and knight their artists, and uphold their royal orders of garters and baths, and maintain their personal properties--and make them do it with their own wealth and real estate investments. They're multi-billionaires. They can afford it. They'll be fine.

But remove them from the machine of governance. Detach them entirely from public spending, dependance, or influence.

And if they do participate in traditions of parliament (like the Opening, which is actually really cool and fascinating panto, which I quite like and hope they WOULD continue), man, do it without the silly hat. If the King wants to wear the silly hat, make him pay for the upkeep of the silly hat out of his own pocket. It's HIS silly hat, after all. It's not like we all get a turn with it, even though we do pay for it.

(Actually, the Crown Jewels are owned by the British Public so like... if they want to take them along when they go, make the royal family buy them. And then let them charge museums a fee to loan them for exhibition, just like privately owned paintings by famous Masters are loaned to art galleries.)

Let the royals continue to do all the things the royals do, if they want to do them. Just… make them pay for it themselves. Dissolve the Sovereign Grant, and use all that money to pay for things like restitution, repatriation, and hey maybe increasing public spending on health care and social infrastructure.

Turn the public-owned properties into, yeah, tourist attractions in part (gotta fund their upkeep somehow). But also put public offices in there. Maybe some social housing. Maybe hospitals, with well-paid front-line staff. Event spaces. Seniors care homes. Something.

If Hampton Court Palace can do it, so can Buckingham.

Balmoral and Sandringham are privately owned, there's lots of land and buildings for the family to occupy. They won't be homeless.

Keep the royal family, if the royal family wants to be kept. Include the royal family if the royal family wants to be included. Just make them pay for their own stuff with their own money. And do BETTER things with the savings.

Yes, I'm aware that this may be wishful thinking.

Yes, I'm aware that unscrupilous people may take advantage of monetary support given to commonwealth nations and keep it for themselves. (And I'm not unaware that it would happen in ALL the nations, yes, even Canada where I live. There are a LOT of currently-serving politicians who are vile, scummy, self-serving arseholes.) Yes, I'm aware that mutual support between nations of the commonwealth is all that is preventing famine or religious war in some places.

Yes, I'm aware none of this is as easy as I'm making it sound.

But I think it's time to stop celebrating and upholding centuries of brutal militaristic colonialism and the destruction and subversion of so many beautiful cultures for the sake of some tourist bucks. I especially think it's time for the public to stop PAYING for it.

I love history. I love symbolism. I love the stories of royalty and treachery and gallantry and seduction. I love the architecture of great houses, and the meaning behind golden spoons from over a thousand years ago, and the fascination of birthrights and bloodlines. I love paintings, and balls, and the gorgeous work of exceptionally talented artisans that go into making all the amazing silly hats.

I write historical romances for goshsakes.

And I also think it's time to stick it all where it belongs -- in a museum.

[randomite]

People on Tumblr are always hyping these news articles about some rich wanker out there, buying up single family homes.

It sucks. Rich wankers are terrible yadda-yadda. Not the point of this conversation. (Burn them)

The thing is that you have some of the worst ideas on how to fix the housing crisis!

Simply because most people aren't super educated on why the housing market is this way.

Ironically, and this might tick a lot of you off. One of the causes of the housing crisis is likely you, or your co-workers, parents, siblings ect...ect.

https://www.investopedia.com/articles/credit-loans-mortgages/090116/what-do-pension-funds-typically-invest.asp

Are you saving money! (I am!)

Do you have a 401K/Pension/Superannuation? (I Do)

Are you invested in a Real Estate Investment Trust?!

Probably.

Most funds have a little bit of REIT in them. The S&P500 is 2.8% REIT,

These mega trusts own vast amounts of American housing.

https://www.reit.com/research/nareit-research/170-million-americans-own-reit-stocks

Yay. Look at this happy graphic that came from a site really stocked about the great returns on real estate investment.

Now. It should be clear REIT actually own a very small portion of American housing, around 1%. Individual owners make up a far larger portion of the housing market.

REIT live in the happy red space.

The problem with REIT is that they are often terrible.

They are bastions of widespread community gentrification. Sweeping into minority communities like Herongate in Canada and bulldozing the lot. All to make way for shinny condos they can turn a profit on.

https://acorncanada.org/news/leveller-rein-reits-tenants-demand-action-against-real-estate-investment-trusts/

REITs have been accused of slumlord like behaviour. Letting houses decay with mold and refusing repair ect. Ect.

https://www.cbc.ca/news/canada/tenants-lose-as-landlord-transglobe-racks-up-charges-1.1246084

https://doctorow.medium.com/wall-streets-landlord-business-is-turning-every-rental-into-a-slum-b15b81f18612

Essentially my point is....

You could be invested in the very Real Estate Investment Trust that acts as your landlord. You could be invested in the source of your own suffering and gentrification.

The pension investment in REITs for domestic housing is growing. It is too profitable. It is an easy source of growth.

If you are in a bad situation, you should want your pension invested in an REIT. It will help grow your savings (whatever they be). But, that very same REIT might own your home and be the very evil trying to wring cash out of you.

This isn't a call to action. This is more an observation about the neoliberal shit oroborus we are stuck in. You can choose not to invest in REITs, or try and find a good one.

But in doing so, you are worsening the housing crisis. REITs are sophisticated. They use rent increase software and have quantitative analysis of the market used to drive prices up.

If the housing market ever tanks, a good portion of your savings might tank with it.

Now. You might have no savings. You might not have elderly relying on social security. You might be fine.

But. Society is run by trashfire electoralism. If people don't see their investments going up they freak out and vote for the other party.

The pension investment into real estate, allowed in 2001 (thanks Bush), has created people whose retirements and future are dependent on housing prices always going up. Around 51% of Americans are invested in REITs. It is essentially a nightmare that will never be fixed unless people who are smarter than anyone on Tumblr actually put an effort in.

Thanks for reading my depressing rant.

(Also. Sorry if you are in Canada. It is bad in AUS but it seems like REITs can steal newborns over there. Like some articles are like wtf.)

https://www.reit.com/news/blog/market-commentary/reit-allocations-pension-funds-increase

https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/us-pension-funds-up-real-estate-exposure-to-offset-rising-risks-71610560

https://www.benefitsandpensionsmonitor.com/investments/alternative-investments/real-estate-has-become-a-cornerstone-asset-class-for-pension-fund-investors/383790

[robertvilleneuve]

Robert Villeneuve Sturgeon Falls - The Reality of Owning a Real Estate Business.

Robert Villeneuve Sturgeon Falls: Low-cost housing vs. high-end establishments = long-term plans and investments, economically and societally challenging.

Every business tycoon lays out their plans before starting their game plan. Long-term plans, goals, ambitions, and especially money. It’s not even a question that everyone fears failure when starting from scrap and bankruptcy.

Everyone fears the big city but also fears that no one might be interested in their projects when starting off in a small village, but then again, taking a risk can either end up positive or negative, and no matter what it will be, people can always gain something from that - Robert Villeneuve Sturgeon Falls.

Starting a real estate business means buying land and houses and having to search the vicinity for good quality furniture; it is better to find low-cost housing and furnish it to turn it into a big profitable housing project. Real estate projects don’t have to start on big projects; some houses can barely be used due to the height of the pandemic in 2020. But then, it also means investing in long-term projects that can flourish into something big enough to compete with high-rise building units.

Investing in long-term projects can help raise the market value of the housing project as the economic value changes from time to time. West Nissiping, Canada a small village in the west where Robert Villeneuve started his dream of owning a real estate business by buying lands and investing his money in low cost houses to fully furnish it. People may not be interested at first, and that is why the real estate business is a slow-paced project with smart and unique marketing plans to convince people to buy from you.

Making big decisions is to fully commit time and effort to achieving your goals and making your real estate business a success. As entering the business world means you are willing to risk everything you’ve got, it’s a now or never thing. In addition, in making decisions is that you need to plan everything, for it’s not always a smooth sail where not every day the end meets what you need.

The reality of owning a real estate business is dedication, time, effort, and money. And a ground to stand, to lay out your game plan.

According to Robert Villeneuve Sturgeon Falls, a fifty-five-year-old real estate owner, retired cabinet show owner, and painter. Everything takes time and a long-term plan.

[samarthcapital]

How Can NRIs Invest in India With NRI Services?

Non-resident Indians (NRIs) hold a unique position in the Indian economy. They are not only a valuable source of foreign exchange, but also a potential force driving the country's growth story. Navigating investments in India can be a bit confusing for NRIs. Understanding where and how to invest amidst regulations, tax implications, and diverse options can feel tricky, which is why, NRIs willing to invest in India can rely on NRI services, which make investing easier as per the rules set by RBI and SEBI under the Foreign Exchange Management Act (FEMA).

Where Can NRIs Invest in India?

NRI services encompass a range of financial solutions tailored specifically for non-resident Indians seeking to invest, manage their wealth, and connect with their homeland. It is vital to understand where NRIs can invest in India.

Equities

NRIs can invest directly in Indian stocks through the Portfolio Investment Scheme (PIS) by the Reserve Bank of India (RBI).

Mutual Funds

Investing in Mutual Funds offers various choices like Equity, Balanced, Bond, and Liquid Funds. Unlike direct equities, NRIs investing in Mutual Funds do not require PIS permissions from RBI. However, some restrictions may apply to NRIs from the US and Canada due to reporting regulations.

Government Securities

NRIs can invest in government securities on NRE and NRO basis, each with different tax implications based on the type of investment.

Fixed Deposits

Investment opportunities in fixed deposits are available for NRIs through Banks or Non-Banking Financial Companies (NBFCs), each with its tax implications based on the NRE (Non-Resident External) or NRO (Non-Resident Ordinary) basis. NRIs can also invest in Foreign Currency Non-Resident (FCNR) fixed deposits.

Real Estate

NRIs can invest in real estate except for certain property types like agricultural land, farmland, or plantations.

National Pension Scheme (NPS)

NPS, a retirement savings plan, offers tax benefits. Contributions can be made from NRE or NRO accounts, but the pension must be received in India.

Portfolio Investment Scheme (PIS)

PIS allows NRIs to trade in shares and debentures through a designated bank account. It helps regulate NRI holdings in Indian companies, preventing breaches of set limits.

How Experts Simplify NRI Services?

Experts like Samarth Capital simplify the investment process by providing guidance, ensuring NRIs make informed decisions aligned with their goals. Here’s how they make investing easy for NRIs.

Helping open NRE / NRO savings and PIS bank accounts.

Setting up brokerage and demat accounts for trade.

Monitoring your portfolio regularly.

Engaging tax consultants for compliance.

Understanding Taxes and Rules

For NRIs, it's crucial to understand tax implications in India and their country of residence. Compliance with the Double Tax Avoidance Agreement (DTAA) and filing taxes in India if taxable income exceeds the exemption limit is important.

Wrapping Up

Investing in India as an NRI offers diverse opportunities. With guidance and a grasp of regulations, NRIs can navigate this landscape effectively and make the most of available avenues. Samarth Capital, not only facilitates NRI investments but also helps foreigners invest in India with FPI services. So, whether you're an NRI or a foreigner, investment in India isn't a far-fetched dream anymore.

[feckcops]

Our new financial masters

“Today, asset managers collectively own global housing and infrastructure assets worth, at a minimum, $4trn. The upshot is that asset managers are intimately implicated (albeit without most of us being aware of it) in everyday social life. They own, and extract income from, things – schools, bridges, wind farms and homes – that are nothing less than foundational to our being. Forty years ago, it would have been unthinkable that we would buy our gas from, make our parking payment to, or rent our home from a company like Blackstone. But this is the new reality.

“In a very physical, if also strangely intangible respect, all of our lives are now part of asset managers’ investment portfolios. Arguably, this is truer in Britain than anywhere else. Consider the quiet county of Kent in south-east England. The entire infrastructure of wastewater collection and treatment in the county, including tens of thousands of kilometres of sewers, is controlled by Macquarie, a leading Australian asset manager. Macquarie also controls much of Kent’s infrastructure of water supply ... Housing? Blackstone owns rental properties in the small Kentish town of Paddock Wood. Student housing? Chicago-headquartered Harrison Street owns digs in Canterbury. Care homes? New York-based Safanad controls homes in Dartford and Gravesend. Electricity generation? The UK’s Foresight Group owns solar farms at Paddock Wood, and Abbey Fields in Faversham. Transportation? Legal & General Investment Management owns parking spaces; Sweden’s EQT Partners owns charging stations for electric vehicles; PSP Investments of Canada owns train rolling-stock ...

“The faster the turnover of infrastructure and real-estate assets bought and sold by asset managers, the higher the returns. It doesn’t pay for fund managers to buy and hold the asset: it pays to buy it, and then sell it for a quick profit. They do whatever is needed to grow the incomes (such as rents or water rates) that the assets generate. They cut to the bone the costs incurred in operating those assets. Eying quick disposals, they have little interest in carrying out asset maintenance or repair for the long term.

“The dire consequences for the ordinary households whose lives are embedded in this asset manager-made world barely need stating. Being dependent on a real asset acquired by an asset manager – for shelter, energy supply, water or transportation – generally means higher costs and poorer-quality service, followed by considerable disruption when ownership changes hands just a few years later.”

[beedok]

Global price to income ratios can be found here, with Chinese cities dominating the most unaffordable ranks:

These are slightly older numbers, but also serve as an establishing point:

Another that’s using actual prices, when you have to remember than average incomes in China are still lower than in Canada:

And, a fairly recent news article:

A large driver of the issue was that China tried to limit people’s abilities to do capitalistic speculative investment, but limiting people’s abilities to buy and own homes was harder, so real estate just turned into China’s primary speculative investing market. Mixed with a massive surge of people moving to cities driving up organic demand.

[capitalist voice]: in the dystopian commie hellscape that is china, housing just keeps getting cheaper and cheaper, leaving people who buy and then re-sell houses instead of doing actual work high and dry, while mean greedy workers selfishly buy houses, to live in.

[paulfrostluxuryestate12]

Expert Guidance for Buying Farmhouses: Trusted Advisor with Global Expertise

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With experience in real estate markets across Canada and the USA, we apply global property evaluation standards to Indian farmhouses. Our expertise helps you make an informed decision, ensuring that your investment is secure and future-proof.

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[aaliyahjohn]

Abbas Sherif AlAskari isn’t just a name it’s a symbol of modern financial manipulation, criminal activities.

Abbas Sherif AlAskari isn’t just a name it’s a symbol of modern #financial manipulation, criminal activities, and #shady

dealings that stretch across the globe. This is the story of a man whose web of connections not only spanned industries but also reached into the heart of international politics, #smuggling, and even #terrorism. Here is a quick overview of his deeds A Global Web of Deception Abbas Sherif AlAskari is not just a name but a symbol of global manipulation, stretching across industries and continents. From #oil smuggling to #fraudulent investments and #money laundering, his empire thrives on exploiting trust and evading international laws. The Illusion of Wealth Investors are lured by promises of gold, real estate, and high returns find themselves #trapped in a web of lies. Shell companies like #Abza Group Ltd., #London Surface Design Limited, and #fake contracts disguise his illicit activities as legitimate business ventures. Oil Smuggling Mastermind Using Panamanian-flagged vessels, Abbas disguises Iranian oil as Iraqi, dodging sanctions and funding his empire with millions. Technology Meets Crime Through family ties, #Abbas Sherif AlAskari UK network extends into tech, allegedly #fueling drones through his brother-in- law, who is an AI professor in Canada, leading developments tied to geopolitical tensions. The Hidden Costs His schemes have destroyed lives, #bankrupting investors and exploiting #vulnerable individuals for leverage and control. Victims face not just financial devastation but #psychological manipulation, leaving a trail of fear and humiliation. The Link to Terrorism Abbas Sherif AlAsakri’s Israel operations are tied to extremist groups, with funds allegedly reaching Hezbollah to finance violence in the Middle East. His network contributes to global instability, making him a dangerous player on the world stage. Dismantling #Abbas Sherif AlAskari’s empire is vital for justice and international security. Governments and law enforcement must act swiftly to expose his network, disrupt the flow of illicit money, and protect countless lives from his deception.

[nick57547]

Abbas Sherif AlAskari isn’t just a name it’s a symbol of modern #financial manipulation, criminal activities.

Abbas Sherif AlAskari isn’t just a name it’s a symbol of modern #financial manipulation, criminal activities, and #shady

dealings that stretch across the globe. This is the story of a man whose web of connections not only spanned industries but also reached into the heart of international politics, #smuggling, and even #terrorism. Here is a quick overview of his deeds A Global Web of Deception Abbas Sherif AlAskari is not just a name but a symbol of global manipulation, stretching across industries and continents. From #oil smuggling to #fraudulent investments and #money laundering, his empire thrives on exploiting trust and evading international laws. The Illusion of Wealth Investors are lured by promises of gold, real estate, and high returns find themselves #trapped in a web of lies. Shell companies like #Abza Group Ltd., #London Surface Design Limited, and #fake contracts disguise his illicit activities as legitimate business ventures. Oil Smuggling Mastermind Using Panamanian-flagged vessels, Abbas disguises Iranian oil as Iraqi, dodging sanctions and funding his empire with millions. Technology Meets Crime Through family ties, #Abbas Sherif AlAskari UK network extends into tech, allegedly #fueling drones through his brother-in- law, who is an AI professor in Canada, leading developments tied to geopolitical tensions. The Hidden Costs His schemes have destroyed lives, #bankrupting investors and exploiting #vulnerable individuals for leverage and control. Victims face not just financial devastation but #psychological manipulation, leaving a trail of fear and humiliation. The Link to Terrorism Abbas Sherif AlAsakri’s Israel operations are tied to extremist groups, with funds allegedly reaching Hezbollah to finance violence in the Middle East. His network contributes to global instability, making him a dangerous player on the world stage. Dismantling #Abbas Sherif AlAskari’s empire is vital for justice and international security. Governments and law enforcement must act swiftly to expose his network, disrupt the flow of illicit money, and protect countless lives from his deception.

[estatemailer]

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To win the confidence of the clients, it is important to know them well. Marketing Automation for Real Estate helps in capturing crucial information about prospects which empowers you to customize your message and be ahead of the others.

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[irishfederalreconnaissance]

Procrastinator's Creed (The Riddler)

1985: Birth, intended to target the East German Stasi.

Event 1989: Death of Anatole Steintfeldt, Rabbi; written as "Duckman", voiced by specialist called in; "Jason Alexander", Quantico.

1990: Mad Pride, mother takes a turn for the worse; concerned about son, dueling Rick Flair's nephew, Matthew Lennox.

Event 1991: Psychoanalysis of State Police IQ examination, maxes scale, age 6; adderral removed from market, for minors and adults; Hitler's patent, amphetamines.

1995: MSN Chat, on MSN Network; international authorities are hunting the Unabomber, and his support inside the online community.

Event 1998: Ted Kaczynski, caught as "Agent Penguin"; "Net Nanny" software, developed by John Allen Muhammad, seized by US government as contraband. Alias, "nil", transferred to Comcast, 56K.

1999: Iranian-Contra membership offered, on mass broadcast, to Discover network; fighting the Students, for The Shah.

Event 1999: The death of Alice Claire O'Neill nee Charlebois, through boycott of Proctor and Gambol; informed that "Kraft", was owned by "Proctor and Gambol"; suicide to avoid death at hands of Jeff "Jingy B" Borden; entire cinema career, revealed to be a fraud, through Woody Allen; "Taco Heaven" drive-in theater, "Deconstructing Harry" and "Manhattan Murder Mystery", placed on television by Hopkinton Drama Club investigating death of Rory Ahlquist.

2001: British Social Democrats hunt for ways to counter medical industry in London proper, and in England and Britain; so-called "Reform", actually stricter for patients, suspects, and convicts, the governed; British learn otherwise, in America.

Event 2002: Method of cranking David Cameron, recorded through MI-6 operative Christine Carr, to his removal from British Parliament, as well as other British Conservatives; removed from government en masse.

2004: Invited, into the Resource Economics program, in the Energy Supply concentration; however, through police federal policy, of economics programs under Professor Gerald Friedman, Mossad.

Event 2004: Mathematics numbers from Susan Murphy, under mathematics passed through lexicon in class in 2002, reveal new quadratic formula specifically geared to fossil fuels yields for gasoline, plastics, carbon fiber, polyester, kerosene, anti-biotics, radiology chemistry, rocket fuel, jet fuel, and diesel. Foreign real estate investment, is blocked, through secondary formula, yield of positive and negative equalling "zero", any matching formula outside of same answer returned per projection.

2004: Canadian Parliament and CIA defectors to INTERPOL, attempt to make a US Presidential candidate, through Allison Haimes, British intelligence.

Event 2004: National Rifle Association, American Federation of Labor, National Organization for the Reform of Marijuana Laws, and the Fraternal Order of Police, are caught red handed working through Canada to influence American elections; Scott Peterson is jailed killing his own intelligence contact network out of the United Kingdom, and David Charlebois is admitted to the CIA AFROTC as gangland narcotics.

2008: Barack Obama is elected with the promise of police reform; civil rights for police, the "right to remain civil in court", any civil rights leadership to a lawyer or attorney or doctor or nurse medic.

Event 2010: The renegotiation of the INTERPOL treaty, to limit INTERPOL to NSA laws, and to cases where a vice worker is abused, not paid or not to coerce or force into vice rules of streets and criminals; based on the arrests of Empress M (Shangrila MUX), Goddess J (National Coalition for Sexual Freedom Newsletter), Maitresse Sandi (Department of Congress Comics Westchester), Mistress Lucinda (Fitchburg State Film School, the Scottish Laureate Guild), and Lady Kim (the Canadian Freemasons, the Hell's Angels).

2009: Dr. Joshua Golden, injects David Charlebois on steroids, GHB, after mass heroin bombs to cause the Sandy Hook shootings over the arrest of Eric Frein through American police and armed forces; the Pennsylvania State Police's targeting, by Canadian Basim.

Event 2010: Joshua Golden, real name Andrew Donson, known as "Swirlyman" on 4chan, is sued for $377,000, $77,000 in legal fees to the state to remove affadavits blocks on documents through the United Kingdom, and $300,000 in escrow account funds out of Poland and the Soviet Jews, the money placed on a digit zero and the actual physical funds taken from the bank and burned, by Secret Service; as counterfeit.

2016: David attends SNHU to be a comic book writer, and out scandals like psychiatric abuse, drug syndicates, and hooker's rings, to the public; all products of modern television, actually the production studios bribing politicians into support of the intelligentsia criminal, the working poor.

Event 2014: "Gotham" runs on television, FOX, own writing, through Alexandra Rhzanova nee Gaetano, the grand niece of Joseph Biden, Senator and Vice President, spawning "The Joker", "Pennyworth", and "The Penguin", through the later film, "The Batman", about the Kennedies, featuring Joseph Kennedy Sr. as "Bruce Wayne".

2020: David is called in by MI-6, to support the Trump Campaign, a Japanese bank owned cop actor, attempting to support the end to wars in Russia and China, to remove CIA assets working through "Teach For America" and other advisor's training programs out of American colleges.

Event 2020: David frames Joseph Biden, as Mossad; actually a British Royalist, out of King James' bloodline; "Longshanks". Biden goes down as a Mossad slur victim, and Donald Trump appears to be senile to the Israeli and Presbyterian public; when Biden is elected and the Russian Basim, are stomped by the USMC, the Croats, Russians, and North Koreans dying in droves, screaming in napalm fueled horror, Trump is concerned with a cheeseburger from Wendy's.