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      See Office Slide Show   <-  Some design & take photos from iPhone, Android phone Galaxy, Tablet. 
 

 Game Theory click here.  | Millionaire Households Rank in the World Click | Toronto map, click here |  Apply Economics on Toronto Housing's Problem Solving scientifically.  Click  |  Click Cost Buy home in 50 US's States in July, 2019. - Click. Salary needed to Buy Home in 20 major US Cities.  
- Click here  Intro of the Author of Blog (some update) - See We Up-to-Date "Wearing Mask": Help you and others Reduce COVID-19 transmission. Save lives. Click here

Office applied during time of COVID-19 for social distancing Businesses, smart Cloud Businesses, re-open Economy

What Office software can do but not other software? 1) Office can work on multi-Devices VS. Other only iPad 2) Cloud Print VS. Local App Print = Print closed range in store's Pos printer only. Can't print order online, ecommerce order. 3) Customer self-take orders when in-store VS. Other software Can't. 4) All-in-one Office, only one App one software: For both Staff & Customer used for: Mobile Order, Order in Store, Order outside Store, Order online, E-commerce, Casher & Print receipt, Pickup/ Delivery, Shortest Distance, Order & Sales Management VS. Other software used by almost 95% of small Businesses, Restaurants just A big dummy Computer Cash Register *Stand alone* for Cashier to Register Orders & Print Receipt. Done. Staff & Customer Can't Take Order. Can't Mobile Order. Can't Take order from Mobile. Can't Take Orders Online. Can't E-commerce. Can't Manage Pickup/ Delivery, Can't Manage Orders Management. This tradition Cashier during COVID-19 is a big failure. One Office App runs on All 5 x Devices: 1) iPad  2) iPhone  - 3)Tablet  - 4) Android Phone like Samsung Galaxy 5) Windows Laptop.  => While 100 millions Company Vend iPad Pos & 90% iPad Pos on market run on 1) iPad only. As you see the cost to build 4 x extra App = cost support & maintain 4 x Apps = 4 x Cost Time & Money. Do you know Office Order Management OOM: Manage all Orders, pick-up / delivery. - Which order does not pick-up, not delivery yet, with a lot of orders hard to keep track. 1-click Map of delivery of that Order. Track & Measure shortest Distance Delivery of each Order closest distance in 10, 15, 20 orders on List from WHERE the driver's location. Save Time & Direction of Delivery. -> The shortest distance always changed and updating after each delivery and depend up-to-date location of driver. Human can't measure. Most Drivers can't find the shortest distance relying on their experience guessing when on the road. Very complicated software algorithm. OOM Calculate: Total Sales, Detail of Sales, Products, Detail of Order, Date & Time of Orders...  / day / week/ month. See top button [Office Slide Show] - OOM can always fix error in Orders after taken. From OOM Action =  Edit, Print receipt, Email, OPay = Pay by Pay Pal (one click Office Pay send Pay Pal to email this customer) NOTE: Vend is 100 millions dollars software company, few hundreds of software developers. So far, Investors invested 100 millions in Vend Internet Company. It received 20 millions USD from Peter Thiel’s Valar Ventures and Square Peg Capital. https://blog.vendhq.com/post/64901824985/vend-raises-20m-funding-round-co-led-peter-thiels-valar-ventures-square-peg-capital. Recently, Vend Pos also received many other funding: 9 milllions, then 13 millions, 60 millions, and many other rounds. Investors invest in Software Company Vend Total value 100 millions. https://pitchbook.com/newsletter/vend-secures-9m-investment. Contact Office: We deliver Office software thru local Consultant world wide. They are also professional software Developers. So that they can help you Modify, Technical Setup, Training. Contact your local Consultant. Contact: netthruoffice @ gmail . com -> Must have Subject : Investor or Customer. All in-one Office for COVID-19. Office helps businesses affected by COVID-19. Total value = 250,000$ We give away 100 Office software to businesses that are affected by COVID-19. Total value around 250,000$. A business owner said: - COVID-19 affects alot on small businesses. Today, we need to be smarter :  "Smart business, Digital, fast & efficient, large scale, reach out customers every where online, in-store, mobile" in order to survival in new normal COVID-19 Social Distancing. Office helps us to manage smart business better online, in store, pick-up/ delivery, In store Order, Online Order, Cashier Register, Order Management, Mobile Order, E-commerce Order All-in-one Office System. Good bye Cashier Machine only doing Cash Register. SUPPORT FOR EARLY-STAGE BUSINESSES " - We've heard from a number of start-ups and tech firms that are unable to access support programs because they don't yet have revenue or are in the early stages of development and are particularly vulnerable to the impacts of COVID-19. Innovative, early-stage companies that are unable to access existing COVID-19 business support are now able to apply for funding under the National Research Council of Canada's Industrial Research Assistance Program. " This message from a MP (Member of Parliament Canada) we want to share with start-ups, early-stage companies. - Canada opens to Canadian Scientists of all kinds of backgrounds, and provides them same access to equal opportunity, and their contribution to society.

- Office Mobile, Office Mobile Commerce Take order in store, out store, online & Cloud Print receipt - Office Take Order use Tablet, iPad. -> Server need to clean carefully tablet's surface, whole Tablet. Clean every page of Menu, paper, after customer used for next one. Else not safe for both staff & customer. A lot Time. -> Phone better. - New Reality Pickup & Delivery - Office Mobile Order = Drive Thru & Office Order Management to order & Manage Orders. New reality Customers don't want in store, Social Distancing, which creates Smart Business -> All-in-One Office.

A big dummy Computer Cash Register *Stand alone* -> Can park into a Mobile Cashier smartphone - [Office Slide Show] -> Big Dumb & Useless NOTE: Need smart Business, smart employees to adapt in COVID-19 time. Else  no profit, no safety.-> Only the smart business can survival ------------------------ - All-in-one Office: Mobile Order, Tablet & Mobile Cashier, E-Commerce, Office Card, Self-Order, Office Order Management, Cloud Print, Pickup/ Delivery, Shortest Distance, Multi-Devices ...

Update May, 2020, June, 2020  continuing

How to win the war on virus - the COVID-19 ?  - Update May 8, 2020

Virus war is different Human war, invisible. Every Scientist from different country plays important role. In virus war, it is Science, follow Science. You can't negotiate, can't use weapon, nuclear bomb. The only things Human can win virus war is 1) The Behaviour, self-defence, like Social Distancing, Mask, Stay Home, Wash Hand., and ultimate weapon to win = 2) The Vaccine.

To win the war on COVID-19, there are 3 frontiers:
The 1st Frontier: The Behaviour -> 2) The 2nd Frontier: The Testing -> 3) The 3rd Frontier: The Cure. Lets' exam each:

The Behaviour: - The 1st Frontier: Called the 1st Line of Defence Frontier used most effective defence like Lockdown & Stay Home, when virus attacked fast & furious, outbreak like mid March, 2020 - This Frontier requires citizens as solders well-behaviours, self-sacrifice. In this virus war, the citizens like solders. Mask is the additional tool for this Frontier, like gun for solder. To win battle you need "good solders" be well behave, disciplines. The 1st Frontier required self-sacrifice, self-discipline like good solders -> You can't win the  battle with "no good solders" no discipline, no behaviour. The old saying: - Prevent disease is always better than cure disease - is the 1st Frontier. The virus COVID-19 spreads thru Human Behaviour: Hand, Mouth, Nose, Eyes, things that people do every day: Talk, Breath, Touch, Cough, Gathering ... UK 67 m population, US is laxing on Mask, not take it seriously, as a result, Data tells huge COVID-19 cases & Death, unlike most Asian Countries. While France, Italy has learned the lesion after severe damaged by COVID-19. Now "Wearing Mask" is a mandatory for citizens of these countries. France has camera at public subways, transportation take picture of people not wearing mask. Dr. Harvey Fineberg, former Dean of the Harvard School of Public Health, Chairman of a committee with the National Academy of Sciences,  advised:  "- l start wearing a mask when I go to the grocery store".
The Cost: This 1st Frontier is less cost money and less human casualties.  That's why Asian Countries not rich, very small budget. But fight COVID-19 very good, less money, less COVID-19 cases, like Vietnam 100 million population = 288 cases & Death = 0.

In reopen economy, wearing mask is a must, additional defence, where social distancing is hard to maintain, hard to mobile, lost control, mis-behaviour, lax. Just wear mask as additional defence. Specially in an area where there are very high alert of COVID-19 cases, hotspots. Save lives.

The Testing & Treatment: - The 2nd Frontier - Called the Casualties Frontier, where the Battle, but no effective weapon yet, focus on Testing: Need: Doctors, Nurses, Front Line Workers, the Government  .. ..  - When you see the Testing increasing -> Which means something wrong with the 1st Frontier, the 1st line of defence weaken, not strong, lax, like not comfortable **wearing mask additional strengthen defence**, trade-off my freedom, not sacrifice, still want party, gathering, beach ...  No good. These citizens like solders who are not well-behaviours at 1st Frontier -> Now need Testing to make sure they are not "wounded solders" COVID-19 infection yet. So this 2nd battle is also important. That's why we hear a lot talking about Testing, because only weapon used to fight with COVID-19. But less about Treatment because still no effective Treatment -> Pres Trump suggested Hydroxychloroquine, not only not help, but side effect increased of heart attack on patient. COVID-19 patients recover from their Immunity System +  from care & support of Doctor, Ventilator, all kinds of trials Drugs, Placebo .. Most people with mild corona virus illness will recover on their own because of their Immunity. That's why needs Vaccine.
Testing is good to increase more capacity of Testing more people in order to Trace contacts and Reduce infection in population. Collect Data on Testing. -> But the problem is to keep Testing millions and re-peat millions Testing citizen (the solder) because this citizen keeps bad Behaviours -> Then this citizen needs Testing again. For example, a White House Staff after testing many times negative, but just recently testing Positive for COVID-19. Testing is not always reliable. People who already tested negative, still can get re-infected if not well behaviour -> Still spread virus.
NOTE: There are people get infected like seniors not because they are not well-behave. But they get infected by Asymptomatic people no symptom or not well behave live with them.
If the 2nd Frontier is so overwhelmed by people -> Then maybe should strengthen, have additional defence for the 1st Frontier like "Wearing Mask" -> If the 1st Frontier of Defence is good -> Less cases COVID-19 in Testing, less Deaths.
The Cost: This 2nd Frontier is very costly money and human casualties, such as, Testing, Human Resources, Doctors, Nurses...Hospitals, Hospitalization COVID-19 patients ..

The Cure & Vaccine: - The 3rd Frontier:  - "The final winning Frontier" of Research & Development: Need: Doctors, Scientists, Professors - The Medicine, the Treatment, the Vaccine ... So far, there is no Vaccine,  " still in early stage " a lot of talks & hope. Hope vs. Truth. The last hope give it 2 years. The Vaccine is the ultimate Tool to win virus war. Even the curve flatten, but no Vaccine -> A new normal COVID-19, a war still continues. So far, there is still no effective Drug, no effective Treatment, no effective Medicine -> All of Tools in 3rd Frontier still in Talking, in Testing, in Experiment, in Clinical Trial ...
The Cost: This 3rd Frontier is very costly money, such as, Research, Experts, Human Resources, Doctors, Research Scientists, Professors....

So The Behaviours, the 1st Frontier is the most important Defence, unless The Vaccine successful. Prevent disease is always better than cure disease. If the 1st Frontier was broken down, defeated, overwhelmed -> ** The Solders no good.** -> Then we will never win the war on virus COVID-19. Since 2001, the Afghanistan War, US has about 2500 deaths in 19 years of war. But COVID-19, only 2 months, more than 80,000 deaths, over 1.5 millions people wounded, and a whole Economy sinks, more than 30 millions people lost jobs. COVID-19 is more than a war. Still just the beginning.

For example: In US, because they lost the 1st Frontier of Defence, for example, not wearing mask -> So COVID-19 overwhelmed the 2nd Frontier of Testing with many millions Testing -> But at last 3rd Frontier still nothing, no effective Drug, no effective Treatment, no Vaccine -> As a result, the COVID-19 cases over a millions, and more than 80,000 Deaths so huge than any countries in the world.  Although US #1 super power in the world in all categories, Medicine, Technology, Money, Talents, Experts... But most damaged on war COVID-19 ->  Maybe the Behaviour has something to do.

NOTE: Since a Scientist Professor doing research on How Asian Countries, North American fight against COVID-19, a war between Life & Death. Using Data, we show the problems & differences  between Asian Countries very much less number of COVID-19 cases than North American fighting COVID-19 -> The problem has been solved. Because US did not take mask seriously. Since then, a lot of talks about this on TV, Social Media .. Before, although recommendation, but people don't take it seriously, because mixed messages from Medical Officers, top Leaders not wearing mask, no benefit, counter productive. -> Recently, some staffs at White House got infected virus -> COVID-19 hit so closed. We see US begins to embrace wearing mask seriously.
 
Update May, 2020, June, 2020  continuing
Up-to-Date "Wearing Mask": Help you and others Reduce COVID-19 transmission  -> Save lives

Few Notes: " Wearing Mask will help reduce transmission COVID-19, and save lives " long ago in April, 2020, from a Research of a Scientist Professor on How Asian Countries, North American fight against COVID-19, a war between Life & Death. He said : "- Inconsistent messages. People confused don't know who to trust. They take messages wearing masks not seriously" - Back then, in April 2020, He explained the difference between North American and Asia in war with virus is wearing mask. He also explained in his post that COVID-19 can transmit as tiny particles, aerosols thru air, staying on air for a while, since he had watched Japanese scientist did the experiment. That's why when people large gathering, beach, talking, laughing, sneezing, nothing to do with touching ... will spreading COVID-19 to others. In this case, "wash hand" can't help, when you breath in. Mask is great help. Back then, some local Doctors on TV rejected the ideas COVID-19 transmit thru air. North American see mask not important, counter-productive. In early May, 2020, he recommended: "- In reopen economy, wearing mask is a must, additional defence, where social distancing is hard to maintain, hard to mobile, lost control, mis-behaviour, lax. Just wear mask as additional defence." Since then, the Behaviour has changed a lot. He said: - As a Scientist, every one should contribute. The most important is people now take masks seriously. Save lives. "

- May 11, 2020: White House staff wear masks. After a staff infected COVID-19. As a staff working in White House, He was tested negative COVID-19 many times. But last time was positive COVID-19. Testing is not vaccine that certificates you immune from COVID-19. You still need careful protection.
- May 12, 2020: Quebec is 1st Province, its city is Montreal, in Canada urges its people wear mask when out public. Canada like US before, Wearing Mask not taking seriously. But Quebec Premier Francois Legault, 1st Leader in Canada, arrives at a news conference on the COVID-19 pandemic wearing a mask for 1st Time. No Leaders in Canada wear mask in Press or Conference. While Leaders in Japan almost in Conference wear masks.
- May 14, 2020: Ontario and its Capital Toronto, following Quebec, encouraged people wearing mask, specially where Social Distancing is challenging. Many big supper markets in Toronto like Loblaw, Food , many stores tell people mandatory wearing mask, a must in their store. Some Doctors on TV before saying mask was counter-productive. Now change their opinion to consider "wearing mask". Even for Doctors, Politicians, wearing masks still different view, inconsistent messages, changing many times, from one to others.
- May 20, 2020: Canada's top doctors Chief Public Health Officer of Canada from Public Health Agency of Canada now say: - Non-medical masks now (today May, 20, 2020) recommended for Canadian. Wearing non-medical masks can help stop the spread of COVID-19. This advise is reversed from the advice before that "Wearing Mask is counter-productive", inconsistent message before.
First time, see PM Justin Trudeau was wearing mask in public, when entering Canadian Parliament. Canada like US before "wearing mask" not important, counter-productive. - Before, many local Canadian Doctors, even Quebec's Minister of Health on TV said that "Wearing Mask" was counter-productive, no benefits -> Not too late. Since extreme measures (not include wearing mask, only official recommended in May 20) began during "lockdown began March 15", in March 20, = 215 COVID-19, 0 Death -> As May, 20, 2020, = 80,102 COVID-19 confirmed in Canada, 6,028 Deaths.
- May 20, 2020: Governor New York launched a campaign " New York Wearing Mask ". He said on TV on this day: - Wearing mask works, and help reduce transmission of COVID-19.
- May 21, 2020: Spain today asked mandatory everyone above 5 years old wearing mask.
- May 24, 2020: Doctor Birx, Chief White House Task Force on COVID-19, wearing mask, first time admitted " - Clear scientific evidence masks work, help. Wearing Mask when Social Distancing hard to maintain." She just realized now wearing mask work, help reduce transmission virus. Not just long before, she said  wearing mask non beneficial, counter productive. https://www.businessinsider.com/birx-clear-scientific-evidence-masks-work-trump-able-social-distance-2020-5
- May 27, 2020: US COVID-19  Deaths surpassed 100,000  In less than 3 months war with COVID-19..And 40 millions people unemployed. Economy went down even more than Financial Crisis 2008-2009.
People didn't have to die. In less than 3 months war with COVID-19, more than American died in these major wars combined: Korean War = 33,686 (1950-53), Vietnam war 58,220 (1964-72) US Army withdrew in 1972 completely out of Vietnam. Fall of Saigon in 1975. War after 9/11 Afghanistan war 2,372 (2001 - 2018), Iraq war 4,424 (2003-2018). In all these wars Total = 98,702 - Japan Attack on Pear Harbor In total, 2,403 Americans were killed. The War of 1812-1814 American invaders, annexed Canada, roughly 15,000 Americans died as a result of US fighting with Britain and Canada. Roughly 8,600 British and Canadian soldiers died from battle.
- May 27, 2020: Doctor. Christopher Murray, Director of the University of Washington Institute for Health Metrics and Evaluation said:" The Data is clear: The path ahead in the COVID-19 pandemic is being shaped by masks. We now have really clear evidence that wearing masks works -- it's probably a 50% protection against transmission." -> Wearing mask early could reduce Infection and Death to 1/2. Which translates into tens of thousands of lives could be saved. Which validates the Research of a Canadian Scientist in April that : " - The big problem of American in war COVID-19 a result of big casualty is not wearing mask, not taking mask seriously. Problem solved. " - Back then, top Doctors, Medical Officers on TV said: "- Do not wear mask, counter productive, no beneficial ". Since May, 2020, many Policies about Mask have been implemented.
- May 28, 2020: New York Governor ordered Businesses in New York :"- Do not allow customers who do not wear mask to enter in their store".
- May 29, 2020: A Doctor on CBC News 8PM, May, 29, she said: "- There is no data that proves Mask is effective". -> Even between Doctors have different view about mask. Inconsistent messages. Which made common people confused, not take mask seriously. Simple understanding like Mask work, help. But even Doctors don't understand.

Using Data fight COVID-19 - update June, 2020
- June 1, 2020: PM of Canada Justin Treadeau said that "- Government begins collect Data on COVID-19 " -> Collect Data on Testing, Treatment as we have been suggesting in early May, 2020. - You need to design a computer system (DBMS) that CANDO (Collect Data, Analyse Data, Normalise Data, Design Data, Organize Data). Which is very important, because on a war with COVID-19, Collect Data is like Intelligence in real war, which helps make better decision to protect, defence, and win the battle. But make sure privacy is also important to prevent discrimination, racism and discrimination on economic opportunity, job discrimination. For example, recently, we see anti-Asian in Vancouver. Currently, GTA accounted for 76% of new infection active COVID-19 cases in Toronto, Ontario.
NOTE: Toronto is capital of Ontario, GTA is Districts around Toronto. Ontario is biggest Province of Canada, 14 m population. Nearly 70% or 9.5 m Ontarians live in Toronto & GTA.
For example, Province Ontario active cases = 4,110 as May 27, GTA = 3171 = 77% of all active COVID-19 in province Ontario, Ottawa, Winsor, Hamilton = 509 cases. Data makes people live in Toronto, and other areas feel better, and go out spend money in their local businesses, tourists travel, restaurants. Thus businesses in safe areas, like Toronto, Downtown reopen likely attract more people from other areas. Data also helps make decision where, when locations, areas can open soon. More Resources, Testing, Tracing, Contain, Education on hot zone like GTA. A Scientist Professor says.

Why GTA has more COVID-19 cases than in Toronto and other areas in province Ontario? Because GTA population or Districts around Toronto around 60% are immigrants, people diverse background, working class, live in high rise crowded Buildings. Their jobs in factory, front-line workers in hospital, hard condition low wage jobs,... not in office, their living conditions and working conditions make them vulnerable to get infection COVID-19. This also happens in US, Blacks, Hispanics, Mexicans got mostly infection COVID-19 by population. For example, Chicago 3rd largest city in US, only after New York 8.6m, Los Angeles 3.99m, Chicago population 2.7 million. Black only 30% of population, but 70% COVID-19 cases are Blacks. GTA is around 40% of Ontario's population, but 77% of COVID-19 cases. So Data is very much the same Data of Black 30% population but 70% COVID-19 cases.


For example, Japanese Doctors, Asian Doctors, top US Doctors, former Dean of the Harvard School of Public Health advised people wearing mask, while some local Canadian Doctors said No, mask counter productive. Mayor Toronto, advised "wearing mask" recently, while other Mayors not recommended. Same for Politicians. Mixed messages, undecided, inconsistent, even such important Behaviour between life & death like wearing mask. Not too late.
How fast COVID-19 can spread fast thru air - A Research Scientist said: - Why you should wear a mask, not just Wash hand. He confirmed COVID-19 can transmit thru air by just talking, laughing, breath in. Watch this video from CNN May 14, 2020 - Click here. When I walked in ATM bank, I realized I should wear mask. In so many public places where Social Distancing can't.

Update: April, 2020 According to a Canadian Scientist Professor: - Should we wear the mask? -> A million dollars question. Make a big difference between live and death, and spreading COVID-19. A Story: COVID-19 can spread by building ventilation, store ventilation, say Canadian researchers. The outbreak of COVID-19 at a restaurant in the southern Chinese city of Guangzhou was a puzzle. The suspected index patient was a visitor from the corona virus’s epicentre in Wuhan. But the eight other customers who later tested positive were not sitting close enough for droplet transmission. A team of local scientists eventually came to an eye-opening conclusion about the episode: tiny particles of virus had hitched a ride on currents created by the eatery’s air-conditioning. COVID-19 can be spread by building, store ventilation, say Canadian researchers. https://www.msn.com/en-ca/news/canada/covid-19-can-be-spread-by-building-ventilation-say-canadian-researchers-working-on-an-hvac-fix/ar-BB13eiDF?ocid=spartanntp NHK World Japan has done a experiment with Japanese scientists using Camera can enhance 100,000 times size of hair. It captures tiny particles when a person sneezed or talked loudly drifting far away more than 2m in the air by air conditioner in small closed space. Even so many Doctors on TV recommended wearing mask not beneficial, necessary unless you are sick or nurses, doctors, before and after the outbreak. But this proves that we should wear the masks all the time to avoid infection and spreading, even practicing "Social Distancing 2m away". In Asia, the rate of infection & death are very minimum, like Vietnam 100 millions people, but only 270 cases COVID-19, 0 death as of April, 27, 2020. And their Health Care is not as big budget as many G7 countries. They wear masks from early beginning. But in North America, Europe, people don't take "wearing mask" seriously. Even Doctors on TV recommended wearing mask not only no effective, but easy get infections, scare people.   As an example, 95% citizens in Canada, US do not wear mask out side home, on street, in the opposite, 95% citizens in Vietnam, Japan wear mask on street. Almost Politicians in Asia on TV wearing masks, but not see in North America, in Europe. Still now. Or they take it "wearing masks" seriously just recently. Too late. -> As we see the numbers of COVID-19, and death in these countries are very high. In US, most advanced & huge budget Health Care & Technology in Industrialized Countries, G7, approaching 1 millions COVID-19 cases in just 2 month from few dozen in early March, 2020. In Canada as of April 27, 48,500 COVID-19 cases, 2707 death. Update: After the above Story in April, 27, 2020, On same day's night, on the National, an icon show Nation's News of CBC News at 9pm Toronto time, there was an interview with the Chief Medical of Canada, who admitted that she changed mind-set on her past recommendation that "wearing masks not beneficial, even counter productive" - Now on this Interview, she admitted that shifting on masks has changed again in this Interview that wearing mask is beneficial, an extra caution for people, and reduce spreading COVID-19.  Another example, on NHK World TV, Japanese Parliamentary, including Japan PM Shinzo Abe, all wear masks, and Social Distancing, in Parliament Hall. While in total contradict, Canadian Parliament including PM Justine Trudeau Social Distancing, but not wearing mask. As you see, Japan and Canada has different view on masks. In Japan, 127 m population, as of April 29, 13,852 COVID-19 cases, 389 deaths. In Canada, as of April 29, 51,230 COVID-19 cases, 2984 deaths. NOTE: If we can help explain problems, problems solving, then take it. If not, then learn, caution. Back to a million dollars question between Life & Death, and spreading COVID-19:  - Should we wear the mask? ->  Even there is a big differences between Canadian Doctors & Scientists and Japanese Doctors & Scientists. For Canadian Scientists, look at Japan Parliament, where Ministers,  PM, top leaders of a country, say: - It is not safety for leaders, because they seem sitting seem closer than Social Distancing recommended. They are wearing masks, but masks are not beneficial, not important, even counter productive. For Japanese Scientists, look at Canadian Parliament, where Ministers,  PM, top leaders of a country, say: - It is not safety for leaders, because they are not wearing masks although Social Distancing. In Hong Kong, Vietnam, Gov warms people wear mask first of all. Look at the Data, most Asian countries, by population ratio %, the number of people COVID-19 infected much less than North America People can catch COVID-19 by inhale, breath in tiny particles, which wash hand can't prevent, smaller size as100,000 times human hair. Which explains why COVID-19 spreads so fast & furious from few cases to millions of cases in just 3 months. -> Thus mask help protect, when talking, sneezing, coughing. Which wash your hand can't protect you in this case. Of course before entering this room, they have temperature checked, wash hand ... People can still spread virus even show no symptoms, check temperature normal, no coughing. It seems likely that this will occur more often in the healthiest and the younger age groups, including most children, called Asymptomatic COVID-19. -> " - Person has been exposed to a disease (like Hepatitis C, COVID-19 ...), then immune from that disease. But who is still carry with them the virus of the disease, and transmit them to others, 1st their family " -> Asymptomatic Transmission is the reason health officials today changed their stance on masks. (CNN May 5, 2020).   This photo captured on computer by a Canadian Scientist, on NHK World TV in April 29, 2020 showing Japan Parliament, Japanese leaders are sitting close. All is wearing masks -> For them, wearing masks more beneficial, more protection, more important. When PM Abe talks, he is shooting out thousands of tiny light particles and heavier droplets in to the air. But all of them droplets, particles are trapped by his mask not spreading into air, not floating in the air, and not dropping around objects nearby. Which other people could touch them by hands or inhale. -> Mask helps right away, cover mouth, nose, cover tiny light particles come from mouth, nose at first line of defence, first of all, when talking, coughing, sneezing, and then help others wearing masks stop inhale, breath in what ever in the air. Wash hand in this case does not prevent virus. Every one should think like you have virus inside. Mask stops people shooting out virus as well. -> Social Distancing lets the tiny light particles still come out first from the mouth, nose in the air when speaking, sneezing, coughing, and other people not wearing mask still inhale, breath in what ever in the air, influenced by ventilation, wind. In the air, there are hundreds of thousands, millions of tiny light particles depend on crowd of people, some tiny light particles dropping on near surface, object then people get infected by touching. If wearing mask could prevent this spreading. Some tiny light particles drifting away. According to a Canadian Scientist, Japan Parliament although sitting closer, but wearing mask, it is safe. Watching TV from International Countries helps me see thru their societies, on their streets, see the differences how they live & deal COVID-19 that others can't see. - What does it mean "Stay Home"? - "Stay Home" is ** the most effective prevention helps reduce Testing, reduce Infection, reduce spreading ** you and others from infecting & spreading COVID-19. Stay Home works 100%. -> Just "Stay Home" help flatten the curve. So when you hear COVID-19 cases begin flatten the curve -> It is from "Stay Home" easy, a simple measure, like during lockdown. So people want to out door again. Be cautious. -> COVID-19 cases could begin again. The 1st wave COVID-19 is spreading from few people in Wuhan. The 1st wave causes so damaged in just 2-3 months, already seen. The 2nd wave every where countries, not just a few spreading in Wuhan like 1st wave, will have already tens of thousands people already infected COVID-19, and tens of thousands people from Asymptomatic COVID-19, who have virus, but not show any symptom, healthy, normal, because they may have good immure in their body subdue virus like children, young people. But they still can spread virus to others. According to a Japanese Professor, the majority of COVID-19 cases spreading by these Asymptomatic COVID-19 people, the silent spreaders. -> That's explain why older people like retired, most stay home, not active life style, but got the most infected, most deaths -> Because young people live in same home. A Story: A person is called an out Patient A, who got diaries, then visited a Japanese Hospital as out patient, show no symptom of COVID-19. This Patient A then infected the Doctor, who saw him. -> Then that Doctor infected his colleague Doctor. -> Then spreading many Staff, many patients in hospital -> They have to trace around 600 people. Caused an outbreak in many near by Japanese Hospitals just 1 person Patient A. - Should students wear mask in classroom? -> Yes in new normal COVID-19. Vietnam, Japan already enforced wearing mask in schools just opening last week. Open doors for ventilation, then of course Social Distancing, Scheduling classes, Wash hand, check Temperature. . Wearing mask doesn't mean not Social Distancing. Of course, we still keep practicing Social Distancing, Wash your hand.    -> A Canadian Scientist Professor, doing researches, says: How Asian Countries, North American fight against COVID-19, a war between Life & Death. Scientists play very important role.   - When doing research, I use Data and open mind. I look thru different windows, in different societies in different countries, listen thru different background Experts. So that can see the differences, different opinions, different society. -> You don't see the differences if just look and compare yourself.-> See Data the number of people get infected and deaths in Canada, US really shocking, many times more than Asian countries. A Story:: Vietnam has done the best job against COVID-19 in Asia. During the outbreak in mid-March, 2020, I had seen on TV, a Vietnamese security guard fought with a man who did not wear mask. The man then threw his smart phone in the security guard's face. His face was bloody, severe injured. So many times the Police fought with people not wearing masks. Vietnam small area = 331,000 km2, 100 m people, Canada area = 10m km2, 30 x area than Vietnam, only 38 m. Social Distancing is very difficult to maintain very crowded clusters of people, they rely on masks, another extra defence, to protect from virus. => Why US had the most number % by population = More than 1.15 millions of COVID-19 cases, and 70,000 deaths, giving US has the best advanced Health Care System, most biggest budget, best Experts in the world? -> Because they don't take masks seriously, the first defence from virus, in the beginning. - The Behaviour - The big Mistake. Since 2001, the Afghanistan War, US has about 2500 deaths in 19 years of war. But COVID-19, only 3 months, more than 60,000 deaths, and a whole Economy sinks, more than 30 millions people lost jobs. Still just the beginning. I also looked at all measures again COVID-19, like Social Distancing, Wash hands, How COVID-19 Infection spread, Track Infection, Testing, Vaccine, How they handle Economy, Budget.... US is doing good -  Like almost Asian Countries, US practiced Social Distancing very early in March before the outbreak. Only not wearing masks, not taking masks seriously. " -> That's why, from Data, the fact, the result of policy, measures, no biases, their COVID-19 cases & Deaths very high, keeps increasing. ->  Hope will help solve problem. Save lives.

Using enhanced camera 100,000 size of tiny hair, Japanese Scientists & Researchers found and captured tiny particles when a person sneezed or talked loudly drifting far away more than 2m Social Distancing, in the air by air conditioner in closed space, like in 8 patients in a restaurant in the southern Chinese city of Guangzhou. If these 8 people worn mask, they should be ok, help stop multiply. -> A Canadian Scientist says: - I myself watched this experiment before the out break mid-March on NHK Japan, scary seeing tiny particles captured on enhanced camera in dark room like thousands of firefly from nose, mouth scattering, drifting away in the air, waiting for people inhale. From this experiment, COVID-19 can stay in the air for a while. - Later, this has been confirmed by Japanese Scientists. - Canadian Researchers also confirmed COVID-19 can spread by Building Ventilation. - Chinese Scientists find evidence COVID-19 Can Float In the Air for Hours. The research also suggests that virus droplets that have landed on the surface of nurses' PPE could be knocked back into the air -> (This knocked back into the air is scary. I don't believe but they said in the Research). This kind of airborne COVID-19 can spread more people, dangerous. Some scientists say there is preliminary evidence that airborne transmission — in which the disease spreads in the much smaller particles from exhaled air, known as aerosols — is occurring, and that precautions, such as increasing ventilation indoors, should be recommended to reduce the risk of infection. The transmission of COVID-19 through human respiratory droplets and direct contact is clear, but “the potential for aerosol transmission is poorly understood.” To date, most efforts to stop the spread of the virus, such as social distancing, have been based on the belief the virus is not transmitted through the air. If it was found conclusively that the virus was transmissible through the air, it would significantly strengthen the case for mandatory mask-wearing to stop the spread of COVID-19. -> Could save  Lives and thousands of COVID-19 cases. This explained why countries in Asia that have enforced wearing masks, and of course Social Distancing like Vietnam during the out-break, had 270 COVID-19 cases, 0 death, very low in 100 m population. -> Which may explain in a crowded people, in large gathering, in some places, some people are talking, coughing ... virus can be drifting by wind blows away like ventilation. More cautious, in big or small room, even practice "Social Distancing" people should wear masks. -> My friends, just be cautious for you, your family, and other's safety. You make decision for you. Just give you a true story had happened. Japan Parliament, PM Shinzo Abe, of course including Japan Health Minister, all wear masks, in April, 29, 2020. So wearing Masks 1st priority. While Canadian Parliament none wearing masks, only Social Distancing. In Japan, almost Press Conference, Politicians, Scientist wear masks on TV.  Not see in Canada on TV. Wearing masks not important, even counter productive -> Picture worth thousands words. - Today April 29, 2020, PM Justin Trudeau in Canada Parliament  2/3 empty, most thru Internet Conference, sitting away Social Distancing, not closed, not wearing masks like Japan Parliament. When PM Justine talks, he is shooting out thousands of tiny particles, plus bigger & heavier droplets in to the air. All particles, droplets from his mouth are free spreading into air, floating in the air, and dropping around objects nearby. Which other people could touch them by hands. But other MPs are sitting Social Distancing, they are safe, because Social Distancing that most heavier droplets will drop not far 2 m distance. But particles (not droplets in Social Distancing) proven by Japanese, Chinese, Canadian Scientists exist and can be drifting, floating in the air longer. People keep Social Distancing safety, but they in thousands outdoor, still shoot virus from mouth, nose when talking, coughing, sneezing in the air, on street. The virus then drop on trees, home grass, chairs, objects ... Then other people catch virus by sitting, touching ... That's why in Asian countries like South Korean, Japan, Vietnam ... they use chemical to clean streets, trees ...   - South Korean clean the street Updating: (May, 2020) CDC recommends people wear cloth masks to block the spread of COVID-19. Click here Dr. Harvey Fineberg, chairman of a committee with the National Academy of Sciences, former Dean of the Harvard School of Public Health advised: Click here NOTE: Dr. Harvey advised:  "If you generate an aerosol of the virus with no circulation in a room, it's conceivable that if you walk through later, you could inhale the virus - l start wearing a mask when I go to the grocery store". - So according to Dr. Harvey - Corona virus lingers in the air for a while, because people put out when breathing or coughing, talking, laughing more force than just breathing ... You could inhale the virus by breath in -> Air transmission. Wash hand can't help. -> Which validates my post on this COVID-19 in April 26, 2020. Still a lot mysteries around dangerous COVID-19 the way it infects people fast & furious, like in US, in 2 months, since March 13, from few cases to more than 1 millions in 2 months, like in US, giving US population only 2.7 x times than Japan, but 1.3 m cases, Japan 15,500 cases. From Data, only air transmission can have this fast & furious Transmission in modern technology century, not old centuries ago..  Giving almost Asian countries wear masks thus reduce a lot of cases. Almost cases come from industrialized rich countries Europe, North America. Doctors, Scientists, still confused. No effective treatment, no medicine, no vaccine, so far, only Talking, Experiment, Testing.. The more info you have  -> The smarter you are than no brainier  -> The better decision you make for you family, children, customers, and others in community. Save Lives. On May 5, 2020, Dr. Fauci advised people wear mask. NOTE: As always said, People must practice Social Distancing first priority. No one stops you wearing mask if you feel unsafe. An extra defence you and others always smart defence of protection against COVID-19. -> It is the Behaviour will make a big difference between Life & Death in new normal COVID-19

Update April 2020  still continue updating till end of month

Quick update: -Toronto Home Report released in April, 2020.

Despite Corona virus, Stock Market down, Businesses shutdown, but Toronto Home  Ave Home Price up $157,739 compared to last year.
Take it as one good news while a lot of bad news. Unlike Stock ups/ downs every second every day, one click sell. But Home ups/ downs every month, take a month gather Data, take few weeks to sell, not 1-click. Only 12 monthly Data / year. -> That's why the Real Estate Industry used compared to Last Year will see the real Price changed difference.

Toronto Home Data in April, 2020.
- In April 2020, Ave Home Price in Toronto = 987,787$. Last year = $830,048. Up $157,739

- In GTA (Districts Around Toronto) - Include: Brampton, Vaughan, Scarborough, Mississauga, Markham, Richmond Hill, Peel ... see Toronto Map

- In April 2020, Ave Home Price in GTA (Districts Around Toronto)  = $902,680. Compared to last year = $788,133.  
- In April 2020, Detached Home in GTA = $1,017,543. Last year = $910,624 - Up 10.6% = $106,919 - A difference =  $137,914 with Semi Home Toronto.
 

- World Cities in Top 10 Ave Home Price in 2019: Vancouver rank #4 in Global Average Home Price of Cities in the World in 2019 latest Data in Top 10: 1) Hong Kong, 2) Singapore, 3) Shanghais 4) Vancouver, Toronto (jump 158,000$ since 2020 same Ave Price as Vancouver) 5) Shenzhen 6) Los Angeles 7) New York 8) London 9) Beijing 10) Paris - Canada has 2 Cities 4) Vancouver, 4) Toronto now in Top 10 Cities. -> Most top 10 cities has seen Ave Home Price dropped during COVID-19 but not Toronto.

Important News update April, 19, 2020

1) What should Businesses do to adapt in a new Time of COVID-19?
- Have online strategy. Create, Build a new Digital Cloud Platform, such as: Online Businesses, Digital Businesses. Businesses that adapt Digital Businesses Management, online, distancing Payment, Cloud Payment, *Cloud Print* (Only Office software), *Cloud Receipt*(Only Office software), Cloud Cashier like Office software. Not in-store cashier like tradition store (Not just pickup/delivery software like 3rd party vendor charge alot of commission) to manage Orders, Customers, Pickup/ Delivery,  more profit, less cost of operation, no commission paid for 3rd party... will be a winner as smart businesses. And smart business needs smart people.
Tradition Business more cost, location, manpower, already gone out of business. COVID-19 will stay longer, around 2 years more of social distancing even reopen business. So even reopen business, customers in-store are reduced 75%, because social distancing. Like before 100 customers in store. Social distancing required only 25 customers. -> Less Profit.

NOTE: We have seen a big jump demand for our Office software during COVID-19 -> See [Office Slide Show] on top page

2) One good news when a lot bad news every day. Take it.
=> Some people say: During COVID-19, people suffer, heavy losses. Big Home Price jumps make people uncomfortable.
=> A Scientist answers :- Open mind. See far. Toronto Home Price up 157,000$, and 200 Billions dollars add on and filter thru Canada Economy, not just in Toronto, is a big gift created from thin air, not from Tax Payers Money, and no need working hard for 20y of saving, tax break for middle class around 2500$ / year, cost Gov billions of dollars. So many countries devastated, damaged by  COVID-19 dream of this kind of money will help them recover later 1,2,3 years from now. COVID-19 has more few times damaged Economically than Financial Crisis in 2008 in short time, according to a Japanese Economic. I am only a messenger sends good message. Right now, Toronto Home Market is only hope for people losing hope, specially for Middle Class own Home, Condos currently see big losses, their businesses much damages during COVID-19. Ave Home Price in Toronto up 157,739$ -> Home Price, Condos Price up across the board.  Estimate around Toronto Home Price up 157,739$ and GTA up 110,000$ -> Add on 200 Billions to the Economy in just one year. It is as same as COVID-19 Relief Package.
In the past 20y, we see Middle Class Canada their Wealth growth combined in Trillions of dollars, has increased double 2x, triple 3x, 4x. On average Canadian Middle Class Wealth = 427,271$. Which is most Wealth in industrialized country, G7.  90% of Wealth, came from the increase of their Home Price. Because Home is 90% of Middle Class Wealth.
For example, 20y ago, Ave Home Price around 218,000$, a Semi Detached Home around 260,000$, Detached Home around 320,000$ -> Which today price creates a lot of Millionaires in Toronto.
A 20y middle class in Toronto says: - We have seen a lot of them from Nothing to become Millionaires in Toronto. You have to live in Toronto to see or Do grade 5 math. All is about Data. See far.
According to a Canadian Scientist, who live thru, survival 20y middle class big city like Toronto, live thru middle class in Industrialized Country like Canada, who see many Gov Policies that has effect to Middle Class, who wear Middle Class shoes in order to Understand. What Middle Class Life Style and every day Living, Struggling, Hoping for ?... Who has done a lot Research about Bottom Up Economics in industrialized Countries. It is the Middle Class who pay the Bills, all kinds of taxes, Income Tax (main source of Revenue for Federal), Sales Tax (main source of Revenue for Province), Property Tax (main source of Revenue for City) ... It is the Middle Class, millions of them, combined Wealth in Trillions of dollars, who is heavy lifting the Economy, and main leading force driving Consumer Confidence, 65% - 70% of GDP and Economy. -> This Middle Class Wealth will help Consumer Confidence 65% of GDP, Economy Recovery in many recession -> It is the Middle Class create Jobs, grow Economy and increase GDP.
=> Canada is the only country in Industrialized Countries has created the Ministry of Middle Class and Prosperity last year Nov, 2019, first time.

=> Toronto & GTA Housing Industry, hundreds of billions of dollars, ave price up $157,000, add on 200 billions dollars , still stand strong, is good news. During COVID-19, all kinds of people, all kinds of Industries, all kinds of businesses asking for help, asking for money, for relief, cost hundreds of billions of dollars. During tough challenging time of COVID-19 a test of one-in-100 years -> Good performing Businesses, Industries will survival during tough time, stand up, and keep going.
 
3) Question & Answer during COVID-19.

Question: - What should Businesses do to adapt in a new Time of COVID-19?
Answer: - Have online strategy. Create, Build a new Digital Cloud Platform, such as: Online Businesses, Digital Businesses. Businesses that adapt Digital Businesses Management, online, distancing Payment, Cloud Payment, *Cloud Print*, *Cloud Receipt*, Cloud Cashier like Office software. Not in-store cashier like tradition store (Not just pickup/delivery software like 3rd party vendor charge alot of commission) to manage Orders, Customers, Pickup/ Delivery,  more profit, less cost of operation, no commission paid for 3rd party... will be a winner as smart businesses. And smart business needs smart people. Tradition Business more cost, location, manpower, already gone out of business. COVID-19 will stay longer, around 2 years of social distancing. So even reopen business, customers in-store are reduced 75%, because social distancing. Like before 100 customers in store. Now social distancing required only 25 customers in store.. -> Less Profit.

Question: - Who is paying the Bills, and the Taxes the most for the Economy ? - Who is creating Jobs?
- >Trickle Downs Economics believe that it is Upper Class, Billionaires who are creating jobs. US President Ronal Regan had used Trickle Downs Economics for creating his Policy in favour of upper class. While Bottom Up Economics believe that it is Middle Class, who are creating jobs, pay most Bills and most Taxes for the Economy. Which one is true? -> Can you explain using the real Data to prove, no blah blah mouth no Data.

Question: - What is Theory and Foundation of Bottom up Economics?
- When we say Bottom Up Economics, we say bottom up the Middle Class, of course inclusive  the Working Class in Bottom Up Economics, but Working Class is not the main leading force for driving the Economy.

Question: - If give 1000$ for Upper Class, for Middle Class, for Working Class, poor Bottom Class, what will they do 1000$ first priority? - Use your life experience thru different social classes.

Question: How do you define a Middle Class?
- A Middle Class is defined by Income around over 40,000$ and less than 100,000$. Or defined by Wealth around Ave = 427,271$. Most Middle Class is having Home, but not a must condition. Like by Income, alot people income over 40,000$. But could not afford home in Toronto requires at least 130,000$. A majority of Canadian are in Middle Class around 65%, 30% Working Class.
- Is a Millionaire in Middle Class? - No. A Millionaire is top 5% of population not in Middle Class. According to giant bank Credit Suisse there are 4.5% millionaires in Canadian Adult population, Japan 2.7%, South Korean 1.8%, Singapore 4.0%, German 3.0% millionaires in Adult population. Unlike people think, Middle Class by Wealth 10x richer more wealth than Middle Class by Income.
 
Question: Does it mean a Middle Class had over 100,000$?
-> Not really. 49% Canadian, Japan, 60% American, 62% German (Unification with East German) don't have 100K (Data from giant bank Credit Suisse) same as most adult population in Industrialized Countries. An income 40,000$ after Income Tax + Misc Deductable = 2600$ / month. Not yet pay for Rent, other Living Expensive -> What ever country, you must pay Income Tax. -> Pay all Living Expensive like Rent, Car, Car Insurance, Gas, Phone, Food, Grocery, Smoke, Drink, Travel, Misc ... enough survival, no saving. In Toronto, Rent 1-bed room = 1600$ / month. That's why Data from giant bank Credit Suisse is accuracy. Almost Middle Class in Industrialized Countries share the same. But Middle Class Canadian is richer because of Home. Used Data we can see thus making good decision.=> From Data, we see that Middle Class by Income is less Rich, less Wealth 10x than Middle Class by Wealth. -> It doesn't matter How much you make -> How much you have that counts. For example, a middle Class mid-income 50,000$ / year after Income Tax = 3250$ / mo -> Take 50 years working hard to have same Wealth with a Middle Class by Wealth Ave = 428,000$. If income = 40,000$ / year -> Take 60 years to have 428,000$. => For example, Saving is 600$ / mo -> 7200$ / year ->  Take 60 year to save 428,000$.

- Behavioural economics. Study about the effect of Emotional Intelligence, Cognitive Decision, Culture, Society, Psychology, social classes of Individuals, citizens on irrational making decision economically. It helps us measurable, understand Human Behaviour better when they react to different Economic Situation, and Economic Policy. From Behaviour Economics, we can develop Policy, design Models of Consumerism's Behaviour, Sales & Marketing Strategy in order to response to change in Policy and Market Condition. Which makes the difference between Tradition Economics and Behaviours Economics. The importance of understanding Behavioral Economics for marketers is immeasurable as it allows for a better understanding of the human mind. -> The Behavioral Economics usually are scientists who experience life thru different social classes, wear their shoes.

Question: During COVID-19, should we give a bit more for Middle Class, who suffer the most by Income?
- For example, A middle Class income from 50,000$ or 4000$ / mo now down to 2000$ / mo giving by relieve benefit? -> Not really. Japan, Canada gives the same money distributed the same to every one, regardless social classes, rich, poor, income, even the working class more advantages in benefits, less losses economically by COVID-19. But US process differently thru EI system giving based on Income, make easy eligible. Then give extra 600$ to every one, rich, poor, regardless social classes. This way fair, simple process, simple rule, easy design software system, avoid wrong payment, double pay...

- Giant Banking Credit Suisse forecasts Canada Millionaires will big jump more than 1/2 next 5 years, 2023 more than any G7, developed countries including US. This Report from 2018, where Ave Home Price = 787,856$. Most of the big 1/2 jump Canadian Millionaires from Toronto, where an increasing Home value. Currently Home Price up more than 100,000$, there are 260,000 Millionaires in Toronto, Singapore is the richest country in Asia has 183,737 millionaires. Recently, Hong Kong takes the lead over Singapore as richest country in Asia.

Less than $100,000: Canada 48.9%, Japan 48.9%, UK 50.6%, Singapore 52%,  US 60%, German 62%,  S.Korea 60%, Thailand 99%, India 99.3%, Indonesia 99%, Philippine 99.2%, and 95% World population. - Almost 1/2 Adult population in rich developed countries like Canada, Japan ... don't have 100,000$. -> Not easy to have 100,000$, unless have home.-> After COVID-19, the number could up 10% more people don't have 100,000$ on top current good number in good time. For example, in Canada, Japan = jump 60% have no 100,000$ from 48.9% after 1st wave of COVID-19 for 4 months -> Government any country will not afford 2nd Wave COVID-19 of money giving same money in 1st wave -> Save money for next big raining day. Unless having vaccine take at least 1 year. COVID-19 one-in-100 years. A Data Scientist Professor looks at this real number => In US March,1 only 62 COVID-19 cases -> In 18, April, 706,880 confirmed cases. => Giving already strict Social Distancing -> What if not? Millionaires Rank by number not ratio by Population US #1 =8.7m millionaires in 330 million population, China #2 =1.9m in 1.4 billion, Japan #3 =1.6m in 127m, German #4 =1.02m in 84m, UK#5 =894,000m in 68m, France #6 =878,000m in 70m, Canada #7 =505,000m in 38m, South Korean #8 = 477,000m in 52m, Australia #9 =474,000m in 25m, Italy #10 =418,000m in 60m. If rank Millionaires by Population, Canada or Australia could rank#1 Data from Giant Banking Credit Suisse -

Canada provides Canada Emergency Response Benefit (CERB) package relief to people who lost job because of COVID-19 virus for 4 months of benefits. It includes people, such as:
1) Who do not qualify for EI, such as, not enough Insurable Work Hours. Such as, in the past to apply for EI in region Toronto required 700 working hours or 4 1/2 month will get 14 weeks benefits. Now because of COVID-19, even work less than 4 months, work Part-time less hour /week, still eligible for EI Employment Insurance Benefit -> Will get 16 weeks benefits of 2000$ / months.
2) Who work on contract, precarious, seasonal jobs, short term, part time contract job ...  Qualified.
4) Increase more Canada Child Benefit (CCB) currently regular benefit 550$ / month / child for child under 18 age.
5) Increase more benefits for Seniors, Free Interest for Student Loan  ...
6) People who got sick, stay home take care children, on quarantine because of COVID-19 also get 16 weeks benefits of 2000$ / months
7) Wage Subsidize 75% employee salary dated back March 15, 2020 to encourage Business keep employees, cheaper Loan Credit, 0 interest for 1 year,  grant 10% of Loan if paid off loan on time for businesses.
8) If you receive the Goods and Services Tax credit (GSTC), you will automatically receive a one-time special payment by early May of almost $400 for single individuals and $600 for couples.
9) Ontario is doubling the Guaranteed Annual Income System (GAINS) maximum payment for low-income seniors, for six months starting in April
10) The individual tax filing deadline is deferred to June 1, and the deadline to pay any balance due for your individual income tax and benefit return is deferred to September 1.
If you expect to receive benefits under the GSTC or the Canada Child Benefit, it is advised not to delay the filing of your return to ensure your benefits for the 2020-21 benefit year are properly determined.
11) Gov is working with lenders to allow deferred mortgage payments (contact your mortgage provider for details).
12) For Canada Student Loan holders, there is a 6 month, interest-free moratorium on Canada Student Loan payments.
13) Ontario Student Assistance Program (OSAP) loan repayments are suspended from March 30-September 30 during which time borrowers will not be required to make any loan or interest payments.
14) The Province is setting electricity prices for time-of-use customers at the lowest off-peak price, 24 hours a day for 45 days effective March 24.
15) The City of Toronto is providing a 60-day grace period for property tax, water and solid waste utility bill payments and late payment penalties as of March 16.

COVID-19 is not biased Rich, Poor, Color of Skin ... Everyone has loses big or small depending each story.
A True Story:  It is true story on TV from a different country.
A local office is giving relief gift, including noodle bag, rice .. to people effected by COVID-19 economically. Most of them poor line up for receiving gift.
There was a man drove a car, parked near by parking lot. Then he lined up for gift. - People criticized: - You are rich, have car. Why do you still need gift?  He was rejected the gift.
The man explained to TV reporter: - " Before COVID-19, I had good job, work very hard, made a lot money, a lot more than minimum wage, a lot more than money giving by Gov to support citizen during COVID-19. So I can afford home, car go to work. Since COVID-19, I lost job, lost income. I have more bills to pay than anyone line-up here: Car Insurance, Car loan, Gas, Home Mortgage, Utility, Home Property Tax, Home Insurance ... I am also much difficult situation."  - COVID-19 happens or not, people have nothing not much changed. Canada gives 2000$ / month, 500$ / week, for 4 months, for every one lost job same as Net Income of minimum wage 14$ / hr = 2240 $ / mo after Income Tax. So the people, like Middle Class, who work more than minimum wage, more Living Expensive like Home, see big lost. Most people think abstract from feeling (quick, general, simple. No need Data take long time, do research. Tiered or How Do Research? ). Like on TV says people of working class, low wage most suffered during COVID-19. Using Data, middle class lost, suffer most.
Update: On April 12, 2020, in US, thousands of cars line up on street, drive-thru for relief gifs. Unbelievable see on TV in America. Described as it happens one-in-100 years. Like Depression in 1929, only difference is people drive car. The man who is the Officer to give gift says to TV Reporter: - Anyone, regardless driving fancy car, living in fancy home, all qualify for the gift. Because they lost job, lost income like every one.

NOTE: Compared to most Industrialized Countries, G7, Canada has the most generous Relief Benefit Package by ratio of population
For example, Canada Child Benefit, regardless Social Classes, rich, poor, giving extra 300$, every month, on top of regular 550$/mo Child Benefit =  850$ / month / Child for child under 18 age. During CIVID-19, consider a low income family, working minimum wage with 2 children will get = 2000$ x 2 (for 4 months) + 1700$ (Child Benefit every month, COVID-19 or Not) =  5700$ / month.



Update: April, 15, 2020:
Just-in today. Canada now expands Canadian Emergence Relief Package to people, who work Part-time Jobs, Contract, precarious jobs less hour / week ... These workers will not qualify for EI, or before this expand, because work contract job, less hour, not full time, such as, work 12 hr/ week, 48 hr / month. This expands will make them qualify for CERB 2000$ / month for 4 months. However, the government is expecting companies to take advantage of the Wage Subsidy Program that gives 75% salary of worker to businesses in order to keep workers, meaning fewer of them would be in receipt of CERB.

- A Canadian Scientist says: - I see a lot of my friends, who are Scientists doing high paid from 100$ / hr Scientific & Research job. Employer can't afford them full time. They get hire working on part-time jobs, precarious jobs, contract jobs, season jobs. CERB is giving regardless background, rich, poor, social classes. Every one is treated equally the same benefit.

- Some people say, Consumer Spending in trillions of dollars, account for 65% of GDP Economy, in most Industrialized Countries, G7, and Middle Class is main leading & driven force driven in Consumer Spending. Millions of them Middle Class's Wealth combined few Trillions dollars in Wealth for spending. In Canada, estimate 6 Trillions of dollars or 6000 Billions of dollars of Middle Class Wealth. On average, Canadian Middle Class has Net Worth around 427,271$. It is better than UK, German, France, Japan in G7. Without them pay Mortgage, pay Bills, and Spending every day, Banks, Businesses can't survival. Consumer Spending more than Gov Spending + Business Spending & Investment  + Export combined, all around 35% of GDP. Currently Canada Gov spends for COVID-19 benefit around 200 Billions, around 10% of Canada GDP 2 Trillions only 38 millions population, compared to Middle Class Wealth in few Trillions. If they have more loses and more debt increasing during COVID-19 already, then will take a while, longer recovery for Economy, not big V shape few months.   
For example, Canadian Consumer Spending in 4th quarter 2019 = 1,187,371 millions = 1,188 billions = approximately 1,19 trillions. Canada Gov Budget 2019 = $355.6 billion

Update: April, 22, 2020
The new Canada Emergency Student Benefit (CESB): $1,250 per month from May through August for eligible students, and $1,750 for students with dependents or permanent disabilities
The new Canada Student Service Grant (CSSG): Up to $5,000 for a student’s education in the fall for students who choose to work in national service positions and serve their community.
Doubling the Canada Students Grants Program
Broadening the eligibility for Student Financial Assistance
Creating 76,000 jobs for young people in addition to the Canada Summer Jobs program, in sectors that need an extra hand right now or that are on the frontlines of this pandemic.
Specific support for Indigenous students

- Will continue updating News relating to COVID-19

Projection Forecasting Data Modeling -  How much is accuracy? - All is about Data

A Scientist Professor, who is not only Professor Teaching Data Science, Computer Science, but also Scientist Building Software Analyse & Manage Data Management said:
 
- Recently, COVID-19 all is about Data. Scientists give people some Models what happened if people not Stay Home, Physical Distancing. They forecast the worse situation like in US, Dr. Facci, White Home project could have 100K -> 200K people died. In Ontario Public Health Ontario President Dr. Donnelly in April,3,2020 forecast model that COVID-19 could last 2 years, 100,000 people could die just in Ontario if not stay home, social distancing. He said: - "Over the full course of this pandemic, which may last for 18 months or even two years... had we done nothing, Ontario may have suffered 100,000 deaths". So let's overview:

Forecasting Data Modeling VS. Data Modeling. Used by Data & Computer Scientists. All is about Data

Projection Data Forecasting Modeling -> See far.

Data and Computer Scientist used Projection Forecasting Modeling to forecast, projection of Data -> Then Code, Program, Game Theory, Build Software Analytics to analyse based on mathematic formula by coding, and input data in order to project Data. Human can't hand calculate alot of Data, must be computer software program calculates when input a lot of input data, read data from various sources. Not talking, guessing Data -> So that for Game Theory, Planning different situation, Good, Bad, and Worse situation, and for people taking the problem seriously.
->  How much is accuracy Projection Data Forecasting Modeling? Some models could be accuracy 90% if conditions are met. Good for Decision Making because can see Data in advanced happening in different scenarios in order to prepare, planning, rather blind, see nothing. - Not scare people. Some people disagree, exaggeration, but take it seriously.
For example, Sales Forecasting Software System can predict, forecast, project Data accuracy how many T-shirts sales next Quarter, next Month, next Year, based on current Input Data, Historic Data past sales, Business Rules. But if weather not good, COVID-19 happened, then of course this forecast, data projection will not meet. One of application is called " Data Warehousing "
Data Warehousing is the process of constructing and using a data warehouse. A data warehouse is constructed by integrating data from multiple heterogeneous sources that support analytical reporting, structured and/or ad hoc queries, Data projection, Forecasting, and Decision making. Data warehousing involves data cleaning, data integration, and data consolidations.
For example, If taking seriously, having Projection Data, Forecasting Models from the beginning in January when COVID-19 just starting in Wuhan -> Then other countries like US, Italy, Spain, France would take it seriously early, and thus reduced damages. People just talk about Models after already outbreak in Mid-March. -> Countries should have run Models in January when just COVID-19 started.

- Game Theory click here. All about Making Choices and Decisions  Game Theory to demonstrate that, involving both Psychology, Human Emotion and Choice -> Human Emotional Intelligence VS. Data Intelligence. Game Theory also explains why: Give Back More -> Gain More.

 Forecasting Data Modeling Data has few Techniques, let's exam 3 popular Techniques:

1)-> Qualitative Techniques: - Usually we get advice from trusted friends, employees, close relatives. Who we trust, closed. We also rely on our own experience. But, Qualitative Technique used Expert opinion like Data Scientist, Computer Scientist, Professor, Doctor, Researcher .., for example, and information about special events of the kind already mentioned, happening, and may or may not take the past into consideration. Expert opinion is a Panel of diverse Scientist. - Quantitative Technique uses these Methods:
A) Delphi Method: - A Panel of Experts, Data, Computer Scientist, Professor, Doctor, Researcher, investigates a sequence of questions by asking. Then get their opinions.
B) Use Market Research Method: - From several Experts, Researchers to research the problem and give solution.
C) Panel Consensus Method: - The technique based on Assumption of several Expert opinions, which can help arrive a better forecast, better than just one person's opinion.

2)-> Time Series Analysis and Projection: On the other hand, focuses entirely on patterns and pattern changes, and thus relies entirely on *Historical Data*.
=> Most mathematical formula on Theory, on blackboard, on paper, are short program, easy translate into program by Computer Scientist. An Analytic Software for Analyzing, Forecasting, Modeling Data based on Mathematic Formula accuracy for Models and Modeling, not mouth guessing Data as people think, had built in hundreds of mathematic Formula. Data are fed from Database (DBMS) and Read & Populate Data into into Array. -> Then Calculate, Project Data for Models. ->Then Graph. Some Methods used by  Time Series Analysis and Projection are:

--  Program Linear Regression using Java. Not difficult --- public class LinearRegression { public static void main(String[] args) { int MAXN = 1000; int n = 0; double[] x = new double[MAXN]; double[] y = new double[MAXN]; // first pass: read in data, compute xbar and ybar double sumx = 0.0, sumy = 0.0, sumx2 = 0.0; while(!StdIn.isEmpty()) { x[n] = StdIn.readDouble(); y[n] = StdIn.readDouble(); sumx += x[n]; sumx2 += x[n] * x[n]; sumy += y[n]; n++; } double xbar = sumx / n; double ybar = sumy / n; // second pass: compute summary statistics double xxbar = 0.0, yybar = 0.0, xybar = 0.0; for (int i = 0; i < n; i++) { xxbar += (x[i] - xbar) * (x[i] - xbar); yybar += (y[i] - ybar) * (y[i] - ybar); xybar += (x[i] - xbar) * (y[i] - ybar); } double beta1 = xybar / xxbar; double beta0 = ybar - beta1 * xbar; // print results StdOut.println("y = " + beta1 + " * x + " + beta0); // analyze results int df = n - 2; double rss = 0.0; // residual sum of squares double ssr = 0.0; // regression sum of squares for (int i = 0; i < n; i++) { double fit = beta1*x[i] + beta0; rss += (fit - y[i]) * (fit - y[i]); ssr += (fit - ybar) * (fit - ybar); } double R2 = ssr / yybar; double svar = rss / df; double svar1 = svar / xxbar; double svar0 = svar/n + xbar*xbar*svar1; StdOut.println("R^2 = " + R2); StdOut.println("std error of beta_1 = " + Math.sqrt(svar1)); StdOut.println("std error of beta_0 = " + Math.sqrt(svar0)); svar0 = svar * sumx2 / (n * xxbar); StdOut.println("std error of beta_0 = " + Math.sqrt(svar0)); StdOut.println("SSTO = " + yybar); StdOut.println("SSE = " + rss); StdOut.println("SSR = " + ssr); } }   If there are n elements x1, x2, x3, . . ., xn in an array and if we want to calculate the geometric mean of the array elements is Geometric mean = (x1 * x2 * x3 * . . . * xn)1/n Input : arr[] = {1, 2, 3, 4, 5, 6, 7, 8} Output : 3.76435 = (1 * 2 * 3 * 4 * 5 * 6 * 7 * 8)1/8 = 403201/8 = 3.76435 Input : arr[] = {15, 12, 13, 19, 10} Output : 13.447 = (15 * 12 * 13 * 19 * 10)1/5 = 4446001/5 = 13.477 -  Program Geometric Average use Java. Not difficult - import java.math.*; class GeometricAverage { // function to calculate geometric mean // and return float value. static float geometricMean (int arr[], int n) { // declare product variable and // initialize it to 1. float product = 1; // Compute the product of all the // elements in the array. for (int i = 0; i < n; i++) product = product * arr[i]; // compute geometric mean through // formula pow (product, 1/n) and // return the value to main function. float gm = (float)Math.pow(product, (float)1 / n); return gm; } // Main function public static void main (String args[]) { int arr[] = { 1, 2, 3, 4, 5, 6, 7, 8 }; int n = arr.length ; System.out.println (geometricMean(arr, n)); } }   Output = 3.76435

Input Data: X[] = {1, 2, 3, 4, 5, 6, 7, 8, 9, 10} W[] = {1, 2, 3, 4, 5, 6, 7, 8, 9, 10} weighted mean = (W[0] * X[0] + W[1] * X[1] + W[2] * X[2] + . . . + W[n-1] * X[n-1]) / (W[0] + W[1] + W[2] + . . . + W[n-1]) = (1 * 1 + 2 * 2 + 3 * 3 + . . . + 10 * 10) / (1 + 2 + 3 + . . . + 10) = 385 / 55 = 7 Output : 7 Input Data: X[] = {3, 4, 5, 6, 7} W[] = {4, 5, 6, 7, 8} weighted mean = (W[0] * X[0] + W[1] * X[1] + W[2] * X[2] + . . . + W[n-1] * X[n-1]) / (W[0] + W[1] + W[2] + . . . + W[n-1]) = (3 * 4 + 4 * 5 + 5 * 6 + 6 * 7 + 7 * 8) / (4 + 5 + 6 + 7 + 8) = 160 / 30 = 5.33333 Output : 5.33333 -----  Program Weighted Average using Java. Not difficult --- class WeightedAverage { static float weightedMean(int X[], int W[], int n) { int sum = 0, numWeight = 0; for (int i = 0; i < n; i++) { numWeight = numWeight + X[i] * W[i]; sum = sum + W[i]; } return (float)(numWeight) / sum; } public static void main(String args[]) { // Take num array   int X[] = {1, 2, 3, 4, 5, 6, 7, 8, 9, 10}; int W[] = {1, 2, 3, 4, 5, 6, 7, 8, 9, 10}; . int n = X.length; int m = W.length; if (n == m) System.out.println (weightedMean(X, W, n)); else System.out.println ("-1" ); } } Output = 7 --------

For example, Research the History Data of Ave Home Price in Toronto for the past 20 years, ups, downs, its changes, and patterns, thru good & bad times, recession... -> Will help forecast future Ave Home Price.
History Data shows that in the past 20 y, * thru 2 x Recessions 2000, 2008, recently Housing Cooling in 2017 * in 2000 Hi-tech, Dot.Com bubble, 2008 Financial Crisis and Subprime Mortgage, Ave Home Price in Toronto always Ups, and double 2x every 10 years. Ave Home Price in 1999 = 228,372$ ... -> Then Hi-tech Dot.Com bubble 2000, Stock Market crashed, recession, Ave Home Price in 2000 = 243,275 $, in 2001 = $251,508, in 2003 = $293,067, 2005 = $335,907, continue UP ... -> Then Financial Crisis 2008, Subprime Mortgage, Stock Crashed, Ave Price 2007 = 376,238 $, in 2008 = 379,347 $, 2009 = 395,260 $, in 2010 = $ 431, 276... continue UP ... -> Then after 2008 recession, 2012 Ave = 497,130$, 2013 = 522,958$, 2015 Ave = 622,121$, 2016 Ave = 729,837$, then big jump 30% from 2016 to in Spring 2017 in March, April, May = 917,000$ . -> Then Housing Cooling in 2017 = 822,737$ after big jump, then cooling in 2018 = 787,856$, then back to normal in 2019 = 883,520$, latest March 2020 = 989,218$.

Look at Historic Price of Detached, Semi Detached, in 1999, Ave Home Price =  228,372$,  a Semi Detached Home around 260,000$ -> 280,000$, a Detached around 320,000$ -> 340,000$. If invest 65,000$ for 25% in a Semi Home 20y ago -> Today March 2020, Semi in Toronto  = 1.208 millions, Return On Investment around ROI = 1.2 millions, because after 20y already paid of loan Mortgage = 260,000$ - 65,000$ = 195,000$ very small mortgage easily paid off after 20y. This ROI = 1.2 millions same as Buy Detached Home, from in 20y Investment 65,000$ for Deposit.

Conclusion: What were you doing 20y ago? -> Time is money. Go back 20y ago.  -> Invest 65,000$ (around 150,000$ today) 20y ago in 1998, in 99, 2000, in Toronto to Buy Home either Semi or Detached, your Return On Investment as March, 2020 same = 1.2 millions dollars. A Scientist Professor does this experiment to test Human Intelligence :"- Giving 65,000$ you have option to chooses Buy Home either Semi Detached or Detach Home." ->  95% people chooses to buy Detached home for more profits, willing to pay a high Price. But Scientist, who witness thru both Semi & Detached Home, see Data both, found not really. Both Same Profit.  Detached Home means pay extra more Cost / every month, pay extra 10 years, cost more = 5000$ / month / 12 mo x 10 year = 600,000$ extra.
NOTE: If you have good money, good stable career, then choose Detached. But believing that Detached Home return more Profit than Semi is not True. A Scientist Professor says: - Choose between 2 x Semi Detached Home = 2.4 millions better, more profit than 1 x Detached = 1.48 millions. While Property Tax of 2 x Semi Detached = 1 x Detached Home. Detached doesn't mean Up more than Semi.- just recently March 2020, Semi Detached jumps 204,000$ from 1,004,208$ to $1,208,073, thus 2 x Semi ROI = 408,000$. A Detached jumps = 122,000$ from 1,363,357$ -> $1,485,304.
A person used to work in Factory says: - Working minimum wage (20y ago = 5.50$ /hr, today = 14$ / hr = 2.5x increase)  like Factory Worker, Restaurant Server, Food Server, Misc Worker .. 20 years ago, Income = 5.5$ / hr x 160 = 880$ / month -> After Income Tax, Net Income = 748,0$. Then pay Rent 350$ =. Thus having 400$ for all Living Expensive like Car, Gas, Car Insurance, Glossary, Phone, Restaurant, Drink ... The most you can have left is 100$ / mo or 1200$ / year for Saving, if no Traveling. In 50y save = 1200 x 50 y = 60,000$ => Thus 20y ago, work minimum wage takes 50 years to Save 65,000$. After 20y, Home Price in Toronto in 2020 already up more than 4x to near 1 million already. Hardly to afford a Home. Too late.

Although Price of Detached more than Semi, but you pay more Cost / month / in 20y for more Cost of Mortgage Interest, Property Tax, other Misc Cost to trade off for high Price Profit. Human Nature is Greed, focus on Gain 1.48 millions of Detached, but ignore Lost that pay more Cost for Detached. Doing Data Projection Cost / Profit Analyst, ROI of Semi is as same as Detached = 1.2 millions after 20y.
Look at the Price Difference after 20y as latest March, 2020, Semi = 1,208,073$ - 260,000$ = 948,073$. While Detached = 1,485,304 $ -  320,000$ = 1,165,304$ -> Difference = 217,231$ after 20y. But the extra cost you pay for Detached in 20y a lot more than 217,231$.

NOTE: A Scientist proved that if you used same amount 65,000$ to buy a Detached Home instead of Semi 20y ago, thus Deposit % less than Semi  -> After 20y still around ROI = 1.2 millions same as ROI as Semi, because Home Ownership, % Deposit less than if Buy Semi. You pay more each month for 20y for Property Tax, high Mortgage Interest, high Cost of Maintenance for Detached. -> Use Time Series Analysis and Projection, we can prove from Projection of Data. For example, because Buy Semi, thus less Mortgage Interest, more % Deposit -> Faster 5 years pay off than Buy Detached with high Mortgage, less % Deposit. Giving your monthly cost for Detached Home of Mortgage + Property Tax + other Mis Cost = 5000$ => Thus pay extra more than 5 years = 5000$ x 12 x 5y = 300,000$ cost more than Buy Semi pay off faster than 5year. Therefore, from Data Projection, we prove that ROI of Detached Home and Semi Detached is the same = 1.2 millions dollars after 20y.

NOTE: Time Series Analysis and Projection: tells you that in the past 20y, despite thru 2 Recessions, 1 Housing Cooling, Home Price in Toronto always UP, and Double 2x in every 10 years. In the past 20y, all kinds of Analysts, Financial Advisors, Online News scare people, said:-  Toronto Housing will down, crashed. Specially "When Crisis" during Financial Crisis 2008, Housing Cooling 2017 alot people scare selling their home. They listening to scary news mouth tongue Data, straight from mouth. No mention Data -> But Data tells not only nothing happened, but also ...Home Price Ups. No worried. All is about Data.

3)-> Causal Models: - Uses highly refined and specific information about relationships between system elements, and is powerful enough to take special events formally into account. As with time series analysis and projection techniques, the past is important to causal models. Casual Models uses Data Relationships, Data Correlations from different events. The challenge is How to find Data Relationship, Correlation accuracy.
For example, Toronto Home Price is related to Interest Rate, Immigrant, Inflation, Gov Policy like Stress Test, Home Supply ... Which involves identifying these Data Relationships, Data Correlations of these elements of event. -> Then generate the forecasts Modeling of Ave Home Price Toronto.
-> There is a Data Relationship, Correlation between Interest Rate and Home Price, Immigrants & Home Price ...
- For example, in 90s vey high Interest Rate 8% -> 6%. Then 2000 recession Interest Rate slowly down from around 6% to 1.75% in Dec, 2019 = Down 3.4x approximately. Same period of 20y 1998-1999 -> 2019, Data Correlation with Home Price ups 4x, in 1999 Ave = 228,372$ -> Ave Price Dec, 2019 = $884,385 = Double 4x approximately.
NOTE: Not necessary exact Data Relationship, Correlation ratio = 4x, but give a view that when Interest Down trend -> Home Price up trend.

Interest Rate in last 20y: -  Interest Rate very high Feb, 1991 = 16%, late 90s from 8% -> 6%, 5.75% then slowly Down starting in 2000 recession to recession 2008 Interest Rate 0.75% ->  April, 2009 = 0.25% record low. Then slowly up to Dec, 2019 = 1.75%. Now, as March 2020, because of COVID-19 down from 1.75% to Interest Rate = 0.25% record low in few months.

=> Which methodology above has been used Data Projection Forecasting Model in COVID-19?
- PM Canada Justine Trudeau already answered this question on regular update morning April, 07, 2020 at 11 am.

=> There are few other powerful Techniques used by Data & Computer Scientists sorry, too long, can't describe here.

Data Modeling
Data Modeling: - Is the process of creating a Data Model for the data to be stored in a Database. This data model is a conceptual representation of Data objects, the associations between different Data Objects (Customer, Product, Order, Order Detail ...) and the Rules (Business Rules, Logics ...).
For example, Data Modeling: - Build a Database Management System (DBMS) that has Data Collection of Customers, Orders, Order Details, Products, Supplies ... Techniques are CANDO = Collect Data, Analyze Data, Normalize Data, Design Data, Organised Data. Data Modeling is true Data Collected for Database, Tables Design. Data Modeling requires understand Data Relationship, 3 of them: One-to-One, One-to-Many, Many-to-Many.
- The Data Relationship between Customer and Order is One-to-Many.
- The Data Relationship between Order and Product is Many-to-Many. We can’t represent a Many-to-Many relationship directly in a database relation scheme. Many-to-Many database relationship is not acceptable.
** WARNING ** If not resolve Many-to-Many Relationship Database will cause data errors, duplication, corruption, lost data integrity, even lost data. Ask your Developer if they know or Not. And How to Resolve this Many-to-Many Relationship? -> A Scientist Professor said.


Data Modeling has 3 Types of Data Model.

1) Conceptual Data Models: (CDM) High-level, static business structures and concepts. This Data Model defines WHAT the system contains. This model is typically created by Business stakeholders and Data Architects. The purpose is to organize, scope and define business concepts and rules.

2) Logical Data Models (LDM): Entity types, data attributes and relationships between entities. Defines HOW the system should be implemented regardless of the DBMS. This model is typically created by Data Architects and Business Analysts. The purpose is to developed technical map of rules and data structures.

3) Physical Data Models (PDM): The internal schema database design. This Data Model describes HOW the system will be implemented using a specific DBMS system. This model is typically created by DBA and developers. The purpose is actual implementation of the database. Table: (Customer) Users: 1 -> Orders (infinitive symbol) is: 1 - to - Many Relationship ( most popular relationship in Data Modeling )
For example: This is Physical Data Models of Business Order Management System



 

Update March 2020

Quick update: -Toronto Home Report released in March 5, 2020 for Feb, 2020 last month.

Important News March, 2020
-> We declare Toronto Home Price now is equal to Vancouver Home Price based on latest Data. For the first time all Categories, Detached Home, Semi Detached, Town home, Condos in Toronto now is equal or surpass Vancouver.

- World Cities in Top 10 Ave Home Price in 2019: Vancouver rank #4 in Global Average Home Price of Cities in the World in 2019 latest Data in Top 10: 1) Hong Kong, 2) Singapore, 3) Shanghais 4) Vancouver 5) Shenzhen 6) Los Angeles 7) New York 8) London 9) Beijing 10) Paris - Canada has 2 Cities 4) Vancouver, 4) Toronto now in Top 10 Cities most Ave Home Price in the world.
- Other Cities in Top 50: There thousands of cities in the world. In top 50 in the world from other countries: Australia: Sydney #13, Melbourne #15, Ireland Capital Dublin #16., United Arab Emirates (UAE) Dubai #18, Saudi Arabia Jeddah #14, Saudi Arabia Capital Riyadh #17, Spain Barcelona #21, Thai land Bangkok #33, Malaysia Kula Lumpur #32, Soviet Moscow #23, Italy Rome #22, .

NOTE: Toronto, Sydney, Melbourne used to be in Top 10. But these cities were pushed out out of Top 10 List, because "..suffering from increasingly Affordability constraints ", according to the "Research Report". Which is " giving European Cities in Top 10.  " like London, Paris. Now, Toronto comes back in top 10, but not Sydney, Melbourne. Latest Data in March 2020, Toronto has bounced back to # 4 or #5 before Shenzhen #5 in 2019. -> According to a Scientist, who is CS Professor, and has done Research Scientist for big 5 Canadian Bank . According to him, Data has cause, relationship, correlation with other Data.
For example, Scientist can prove that when Home Price high -> Rent high as well. Data also have 3 x Relationship: 1-to-1, 1-to-Many and Many -to-Many. Data Relationship between Student -> Student ID = 1-to-One Relationship, because A Student Dave has one and only 1 Student ID and VS. That Student ID #2156 belongs to only one Student Dave.
The Data Relationship between  Customer -> Invoice = 1-to-Many Relationship, because Dave can buy 1 or more Invoices, such as,  Invoice 123, Invoice 317, Invoice 219. And an Invoice ID#123 is bought, belong to one and only one Customer, Dave. All is about Scientific Data, honesty, not biased, not from Mouth Data.

What is difference between Scientific Data and Mouth Tongue Data?
Since Toronto Home Price goes up, we have seen all kinds of mouth tongue price. Scientific Data comes directly from Research of big International Financial Organization, Government Agency released Data. Mouth, Tongue Data comes from people, who just said, direct from mouth, tongue, not official, not scientific research. Thus easy exaggerated from mouth to mouth. Anyone can say anything. For example, a person said direct from mouth: - This area, home is worth 1.5 millions. This person Picks up a few very high Home Price at some high end Location, such as, Downtown. Or this Home Price is not proven because hear from other people said so. When you ask them where that data came from? -> Almost of them said they hear from local people, someone, friends, relatives said. And next mouth could exaggerate Price, so on...  This Price doesn't reflect a whole area, a city.

1) WHY such a jump and Corona virus has no impact on Toronto Home Price & Home Sales, but even push higher?
-> Because from now on and maybe for a while, Interest begins going down significantly a lot to deal with virus affecting economy, not only in US, Canada. but whole world, this month down - 0.5 point, used to be up 0.25. Never seen such Interest Cut such low since Financial Crisis 2008. Forecast it will continue go down more even to 0 or Interest negative like Japan. It helps reduce the stress of Stress Test. This is good time for Buy Home for Home Buyers and Home Owners.

A person said: - Thank you for your Blog boosting me more Confidence and Knowledge on Toronto Home Market. Toronto is not Vancouver. It is Center of Financial Hub and Manufacture Hub of Canada. While all kinds of negative news because of virus, all kinds of sectors down, stock market down, but at least one good news from Toronto Home Market boosting my Confidence, and Consumer Confidence in general.

2) Of course, no matter Rich or Poor, Home ups or downs, Home or no Home, every one still needs to make ends meet, pay bills.
 

** What Did You Do 20y ago? ** Take at least 20y Buy Home in Toronto + high Deposit at least 30% to be Rich
Since 1999 when Toronto Home so cheap? Did they work low wage in Factory, Restaurant, Server, Engineer...? Go back 20y. Take 20y be rich.
Case Study: - A friend of mine, Professor H., who started career as Professor in 2006, just Bought Home in 2016, with 20% Deposit = 200,000 $ for a Million Dollard Home. So far, only 3 years Home ownership.. Then still Bank's Home. Why? - Because take him 10y Saving 200K to Buy A Millions Dollars Toronto Home in 2016 by Prof high salary. So Buy Home only 3y in 2020 not much ownership, only around 25% ownership (Already 20% Deposit. Most monthly Mortgage Payment paid for interest, only small paid for Principal. Stress Test required 20% Deposit start in 2018). Home Toronto already double in 2016 compared to 2006, Ave =  356,941$,  very high double 2016, Ave = 730,000K. Thus  Buy Home very high price. Take Professor H. for 10 years, started career in 2006 -> 2016 Buy A Million Dollars Home with 20% Deposit = 200K. Take Professor H. 10y to Save 200K. Now only 25% Ownership. => What if a Factory, Engineer, Teacher ... compared to Case Study of Professor H. => While Professor David, started career in 1998, 50$ / hr, 96,000$ / y ( NOTE: 96K in 1998 in today money 2020 = 2.5x , 3 x = 250K -> 300K. In 1998, mini wage = 5.50 /hr -> in 2020 = 14$ /hr = 2.6x. Since 20y, Home Price in Toronto has increased 4x. Big Mac, Rent ... has increased 3 x. By Inflation, Money decreased Value over time -> Thus, Home increased value. From a Professor. ). Prof. David Buy Home 30% Deposit within a year, when Ave Home Price = 219,000$ -> To be rich go back 20y when home so cheap.

From Case Study Prof H. started career in 2006, buy A million dollar Detached Home in Toronto in 2016 with 20% Deposit = 200K. Today 2020, Prof H. 's Total Asset = 25% ownership = 250,000$  + His Home Price in 3y has up 150,000$, in 2016 Ave = 729,837$ -> Ave in 2019 = 883,520$ (Good Return only in Toronto). Thus, since started Professor career in 2006 to now, Prof H, Total Asset = 400,000$ (Prof H. still have 50K student debt, although paid off alot.) . And Prof D. in 1998, when Ave Home Price = 216,815$. Then Apply in "real talk" -> Who were you when started career in 2006? - Student, Factory, Server, Office Worker, Engineer, Teacher, Scientist, Professor..?
Back 20y, it doesn't matter what kind of Home, Detached, Semi Detached. If you started your career 20y ago as Factory, Engineer, Teacher, you will have less asset than a Professor started career same 20y ago, like Prof. D. Because Professor D. can buy Home with high Deposit, or multi Homes same year. Not waiting 10y for Saving. Look at Salary of Prof D. = 50$ / h or 96K / y from 20y ago, in today money = 250K / y, and do grad 5 math. After 20y, Professor can buy 4 x new Detached Home, each 1.3 millions with 20% Deposit each. People are greedy. They spend 270,000$ for 20% Deposit to buy a Detached 1.35 millions. Then they think they own 1.35 millions. How smart is it? They ignore over 1 millions dollar in debt. It took 10y for Professor H. to save 200K from started career in 2006 -> Buy Home in 2016, when ave Home Price already double Ave 2016 = 730,000$. How long does it take you to save 200k in order to Buy A million dollar Home in Toronto with 20% Deposit ?

=> What if you are not Professor, Salary less than Professor ? You are late to Buy Home few years later than 2016, because not enough Saving. -> In 2017, where Ave Toronto Home Price even higher Ave 2017 = 822,727$. -> In 2018, Stress Test (OMG. No hope) took effect make is even harder to Buy Home than in 2017? -> Just late than 1 year Buy Home in 2017, even high Salary like Prof H may lost opportunity Can't Buy Home, or Buy Home with small Deposit = 10% not 20% -> While Prof D. most advantaged, started career early as Prof in 1998, when Ave Home 1998 = 216,815$. With his salary = 50$ / hr in 1998 equal to 250K /y today money, He can buy home high Deposit or multi Homes in 1 year. Data helps people see far, Problems Solving easy. All Data is given so people can see & verify. Much, much, much better than no Data -> "Real Talk" A woman said:- My man said he has a millions dollar Home (Rent Home). He didn't had LinkedIn ( a flag, not a Professional ). He is not a Professional, and not live in Toronto. Now I learn a lot from this Blog that Home is the most important make a big difference between Something and Nothing. I can analyze Data, such as, Location, Deposit, Ownership, Ave Home Price, Total Asset, Need working at least 20y to be Rich, No Home is Nothing, 100K Ave, because 49% Canadian, Japanese, 60% US, 62% S.Korea adults no 100K. Thanks. -> Because even Professor H. such high salary still nearly missed to Buy A Million Dollar Home in Toronto. "Real Talk"

Update: March 6, 2020 To get rich, Ask " 1) What were you doing 20y ago?  2) How much was your salary 20y ago? 3) Where did you live 20y ago? " - Because take 20y working hard, save 50K / year to be rich - Because 20y ago, A million dollar Toronto Home was so cheap. - Because doesn't matter what type of Home, take 20y Home Ownership. Take 20 y to be rich. Of course, no matter Rich or Poor, Home ups or downs, Home or no Home, every one still needs to make ends meet, pay bills. HOW? Ask :- What did you do in last 20y in order to save 50,000$ / year continuously in 20y? -> Just ask this simple question and use grade 5 math. Save 50K / year, live in US, Canada no easy, unless you are Professor with salary over 100K / y 20y ago. What if 20y ago, you were in school, or worked as Engineer, Teacher, or minimum wage Server, Factory? Easy. Use grade 5 math. Learn many Case Study here. You can know accuracy Wealth of your partners, your friends. Have Home + Car, but Total Asset = 55,000$  A person said: - "I have a Home 1/2 millions, and a car."  - Big cheese. -Then show photos of very nice 1/2 million dollars home, car. His asset in home actually only 50,000$ because bought Home few years ago with 10% deposit. Must work at least 30y more. But still better than Rent Home + Used car = 5000$. Total Asset = 55,000$. -> This Case Study can find anywhere in Canada, in US, in the world. See Ave Home Price in US in 50 states in 2019 from Business Insider. All is about DATA. A Scientist Professor says: - When says ".. I have Home, Car ..." This is not Data because Home, Car is object, abstract, imagination. Need be measured. -> Seems like all Homes are equal. A million dollar Home same as 100K Home.  Thus easy exaggerate or mislead people. We should use Total Asset to measure Home, Car. Total Asset is Data because it is measured. Each Home Value is different Price depends on: 1) Where City, Town? Location, Location, not big or small home 2) How Much % Deposit 5%. 10%, 20%, 30% Pay Off Home fast .. More Deposit faster Pay off Home like Deposit at least 30% -> Pay off 20y. Deposit 10% -> 30 year. But longer saving if not high salary like Prof. Example if buy 500,000$ Home, deposit 100,000$ for 20% take 15 years saving. Then deposit 10% = 50000$ take only 8 year saving. Most people deposit 10% because small salary. Can't wait 15y because Home Price will up 3) Home Ownership = How long Own Home -> Pay off Home 30y different with Pay off Home 20y is = If mortgage + property tax = 5000$ / month x 12 mo x 10y = 600,000$ pay extra than Semi Detached Home paid off 20y -> Choose Semi Detach pay off Home in 20y by increase Deposit at least 30%, faster than Detached home expensive take 25y, 30y paid off. -> Thus add on 5y = 300,000$ extra, 10y = 600,000$ extra. After 20y can always upgrade from Semi -> Detached or buy another Semi. 4) Type of Property = Detached, Semi, Town home 5) Renovation could increase Home Price 50K -> 80K So when a person said:- I have home.  You need to ask:- 1) What is Ave Home Price of Location, Location. Toronto different with Montreal. 2) When Buy Home how much is Deposit? 3) Home Owner Ship? How many years already paid into mortgage? 4) What Type of Home? 5) Home Renovation. -> All of this make up the value, price of a Home. Do not rush into talking. This apply same in Business. -> Which helps make good decision and problems solving. A Computer Scientist Professor, who is teaching " Data Analyst, Design, Implementation, and Management " in College for Computer Science Students, has done this test to demonstrate the important of using Data in Making Decision & Problem Solving. He gave students college level A Case Study. A owns A Semi detached Home for 20y, bought at least 30% Deposit. B owns a brand new 1.5 millions Detached Home. Now in market as of March 2020, Detached home worth 1.48 millions, Semi Detached worth 1.2 millions. He asked "- Which one is richer, has home most value?" -> 95% of Computer Science Students at College level said: "- B has new Detached Home most valued 1,48 millions, richer " Professor laughing said: " - A is more richer than B. A could buy 4 x Detached Home 1.48 millions like B, but with at least 20% Deposit, not 10%. ". Students ignored Deposit and Ownership, rush into making decision not good, not accuracy, not see far -> Thus apply in Business, Business Development, in Investment, Stock Market, in Software Design ... could lead to failure. As you see, today most people are making decision, problem solving no good, because do not use Data Intelligence most used by Scientist. Spend 270,000$ for 20% Deposit to buy a new 1.35 millions dollar Home. Then claim I own 1.35 millions, ignore 1.1 millions in debt. This is too much greedy, too much exaggeration over 1 millions, not honesty, blah blah grade 5. Allow 20y work hard & reward pay off whatever Home -> This called Work hard & Reward for 20y working hard. => That's why need Data in fairness, honesty, no biases, good faith. Want to be a millionaire? - Big dream = Take 20y Work hard & Reward.   Not late. Don't be greedy. Be patient. Work hard & Reward -> Millionaire take 20y working hard. Which is still much better than take many Generations over 100y working hard still Not... See far. Move to Toronto -> Buy A million dollar Home at least 20% Deposit around 200,00$ -> Work hard 20y. NOTE: Work hard & Reward. Not jealous rather an example of encouragement. Millions of  people live in Toronto come from all kinds of backgrounds, nationalities, from small towns, different cites, who started = 0, faced challenging, obstacles, biases, in order to make big dream in big City. NOTE: As Scientist, I talk Data. Without Data people think abstract, not real. What ever their mind imagines, because lack of Data they can't measure. For example, when said, to be rich, need working hard 20y. People don't see the "real number". Can't measure "Rich" -> Why take 20y long time? - But when I said need saving 50K / year. Now they see "real Data = Save 50K / year for 20y to be rich = Millionaire. " -> Not easy to be rich. -> That's why Take 20y. How do I save 50K / year, when income not even = 50K / year in last 20y. Then I need pay Rent, Tax, Car, Food, Travel, On/Off job... too. Not easy. That's why need Data so that can measure. -> Without Data, people can say anything, imagine anything that can't measure, can't see value. For example, We know Ave Toronto Home Detached or Semi Home is A million dollars Home. It seems a lot of millionaires in Toronto, but Not. Data shows that around 260,000 Millionaires in Toronto in 9.6 millions Toronto & GTA population, more than 1/2 millionaires in Canada 505,000 millionaires rank # 2 millionaires by population in the world. Thus not easy become Toronto millionaires even live in Toronto. People  Buy/ Sell Home often after 10y, 15y. Not many people live in home for 20y. Home like Stock, you have to keep long term to see profit. Don't cash out/ in get profit too soon. -> The Data of Millionaires tells whole picture of a City Toronto Rich, but not easy become Toronto Millionaire. Ottawa has 25,250 millionaires, Vancouver around 40,400 millionaires, Quebec more than 250 years founding around 106,052 millionaires. China, today a rich country, 1.39 billions people, but only 1.9 millionaires. Singapore is the richest country in Asia -> There are 183,737 millionaires in 2019. -> Without Data, people can't see values, can say anything, see thru windows, imagine anything that can't measure.

- Started Life = 0 alone in Toronto at 18 . From poor, factory to Canadian Scientist Professor Millionaire. Started career as Professor 20y ago, in Middle Class Toronto 20y ago. From Factory 5.50$ / hr to Professor salary 50$ / hr, 96,000$/ y 20y ago, today equal to 250,000$ / y. Minimum wage in 1998 = 5.5$, today 14$ = 2.5x. Teacher = 12$ / hr, Software Engineer 13$ / hr, Mc Donald Big Mac 20y ago around 2.0$, now 6$. -> So by Inflation, Home Price gains value over time up too. Can't go back history, reduce price Big Mac 6$ to 2.0$. - With this high salary, Professor could do anything. Buy Home with high Deposit, Multi Homes - Today, Home in Toronto A million dollars Home. Middle class Home Owners in Toronto wants to become millionaire. Big dream. Why not? Congrat ! -> But, allow 20 years Work hard & Reward Home Ownership. Be patient. Don't be greedy. Home like Stock long term, don't Buy/ Sell Home too soon after 10y, 15y. Keep at least 20y. I still continue working hard next 20y. - Advice: Jump out of comfort zone: - In any country in the world, people like you, whatever background, as a good citizen, Contribute to society, Work hard & Reward & Get Rich. To get rich, like a frog jumps out small well, sees big sky -> Just leave small town move to big City like Toronto, 9.5 millions population, (of course Toronto includes GTA is its Districts like other big City, while New York City and its Districts around 8.4 millions population, Tokyo 9.2 mil population, Paris 2.1m, Berlin 3.8 mil, London 8.9 mil, Shanghai 24.3 mil. By population Canada only 37.8 millions, Toronto is biggest city in the world ). Toronto where 260,000 millionaires, more than 1/2 Canadian Millionaires live. In big city Started Life = 0, no family support, not easy, but Reward Big. -> I, no privilege, did it. You will OK. There are always ups/ downs like coast rider. Try your best. Real Talk. How to Get Rich = Buy Home, Do Business, or combined: Work + Buy Home + Do Business: - Working for company helps you make end meets, pay for Living Expensive. Hard to Get Rich. -> 50K salary, after Income Tax + Rent = 65% of Income.  Then 35% for Living Expensive like Car, Car Loan, Car Insurance, Gas, Grocery, Shopping, Restaurant, Drink, misc Spending, Phone, Internet, Beauty, Cloths, Travel, On / Off Job, Lost Job...  50K salary / year take you 30 years saving 200,000$. Not enough Deposit 20% for a Home in Toronto. => A friend of mine who is full-time Professor, salary around 200K, stated career in 2005. Just bought A million dollars Home in Toronto in 2017, just 3 years ago, after 12 years working, saving 200,000$ for 20% Deposit Home in Toronto. How long does take Buy Home in Toronto with 20% Deposit if not Professor? => In new normal COVID-19, can't depend on Government, on Company for long time. During COVID-19 companies lost profit nearly 90%. Take a while for them recovery. Even Government is not sure if it can continue supporting relief benefit package. GDP hit hard few times more than Financial Crisis 2008 just few months COVID-19. The Relief Package only half way, but Gov Message out " - Back to work " -> Advanced notice for you prepare, before Relief Benefit runs out. -> To get rich you need Buy Home or Do Business, combined: Work + Buy Home + Do Business. - Buy Home take 20 years, but less risk because you have no choice either pay for Mortgage or pay for Rent. But need Buy Home right Location like Toronto. -> In the last 20y, Buy Home Detached or Semi in Toronto returns on average 50K / year equal to salary of 65K / years. - Do Business a lot of risk, but can help you get rich.   => A sample of Prof David, click Cheque  in 1998, 50$ /h, 96,000$ / year equal to 250K /y today - Update March, 2020. 20y ago, I already  loved Detached Home in Toronto. Click here see bigger photo - 20y ago Professor could afford this Detached Home no problem - Another View. Not all Detached Home as big as this one, most Detached same size as Semi.  - Click here see bigger photo.

NOTE: In 2016, Ave Home Price 730,000$ includes all properties: Detached, Semi, Town home, Condos. Thus Ave just Home Detached & Semi, would be higher. For example, Ave Home in Toronto is 883,520$ in Dec, 2019, but Ave Detached, = 1.35 millions, and Semi Home = 1.1 millions.

=> Analyze in Feb:  When analyze you need to provide Data as much as possible. Don't use your mouth, people mouth. Data helps measurement. Without Data, you can't Measure -> Can't measure then Can't See, Can't Value. -> Can't see, can't value -> Make decision no good. Lack of Ability, Capacity. Lack of  Vision. Blind. See near, see good as same as bad. Biases.
=> - Could you forecast next 10 y Toronto Home Price ? Will analyze ROI (Return On Investment). => Yes, use data last 20y. Soon.
=> - Put 200,000$ in Stock Market or in Toronto Home Market? Will analyze ROI (Return On Investment).
=> - Upgrade from Semi Detached Home to Detached Home or Buy another Semi Home? Which one more values, more benefits, less Cost, less Risk, economically make sense, and Richer?
=> - In 20y, minimum wage, and all kind of salary had increased significantly more than double. Example, minimum wage has increased 2.6x from in 1998 = 5.5$ -> 14$ / hr in 2018. Do you think Buy Home today is easier than 20y ago? Prove used Data.
 - Can't prove by saying that:- Home in Toronto very expensive, Ave = a million dollar Home. -> Not see far, not good, not enough Data. Can't make good decision. But, at least you give 1 x Data Ave Home in Toronto = a million dollar Home. Still better than people direct blah blah from mouth Grade 5, not any Data. Example, Some people said: - " Condos in Toronto worth 1 million dollar. Or, Home in Toronto very expensive worth 2m, 3m dollars. Or, my friend home just bought 1.5 m in that area. Or, I see a Home 2 m for Sales in that area."  - Yes it is true that there are a lot million dollar condos in Toronto, there are Home in Toronto worth expensive multi million dollars. But no good Data, not scientifically, fake Data, exacerbation, lack of education. This is biased because you just pick up small quantity of expensive million dollars condos, expensive multi million dollars Homes in some areas, some streets. some people to present all properties in Toronto. People said this, their Ability & Analytics = Grade 5, don't know anything, exacerbation, fake data. -> How? -> Need to Take Average of all Properties = 883,520$, of Average of each type of Property, like Ave Detached = 1.35 m, Ave Semi = 1.1m, Ave Condos = $663,894 ... in every streets, remote areas, all Districts, Municipalities, small Towns in City, like Real Estate Industry of Toronto. No exaggeration. -> Said a Data & Computer Science Professor

- Currently, Both Detached & Semi Home Toronto Ave = A Millions Dollars Home.
- In Dec 2019, Ave Detached Home Price = $1,318,953 Year-to-Date. And Semi-Detached Home Price = $1,044,675 millions Year-to-Date. And Ave Home Price in Toronto = $883,520 Year-to-Date.

NOTE: About Data Collection. Usually, every month you get monthly Data compared to same months of last year, called: Month-to-Date Data from report every month. OK accuracy, reflection month by month Ups / Downs. The most important Data is Year-to-Date Data, which is summarised, calculated for A Whole Calendar Year of Home Price for that year. Most accuracy.
 

Update January 2020: New Home Price in Toronto, and GTA already out in January, 2020 for December, 2019.

Stress Test Caution according to CEO Royal Bank. Read this article about the Housing Market View of CEO Royal Bank, one of the biggest bank in Canada. According to him, "- Stress Test has decreased the Demand for Housing Market, caused looming and rankled for Real Estate Industry ". Stress Test caused less Demand on high price Property like Detached Home. Consumers will buy more on less Home Price Property. But he admitted that Stress Test is good policy when Interest low. He also admitted that bigger challenges for Housing Market not in Demand side but in Supply side. Canada continues attracts an increased number of immigrants.
Translate stress test into real Home Buyer. The stress test means that, a borrower with 20 per cent down payment or Deposit 20% = 120,000$, and an income of $100,000 a year, even like salary of Professor, could qualify to buy a house worth about $597,000, while ave Detached Hone = 1,35 millions. Harder to qualify Buy Home. As we said, not easy Buy Home in Toronto. If you could not Buy Home 10y ago, you will never Buy Home now in Toronto.

WHO can afford Buy Home in Toronto? - Millionaires, Rich Middle Class, High Salary over 100K, like Professor, combined 2 x Income of 65K, Rich Economic Immigrants account for 60% of all Immigrants in Canada. During Toronto Housing peak & cooling in 2017, a lot Home Owners either cash-out profit or selling their home, now, very difficult for them to Buy Home.
https://www.msn.com/en-ca/money/real-estate/ceo-of-canadas-biggest-bank-calls-for-caution-as-ottawa-considers-adjusting-mortgage-stress-test/ar-BBYI2wo?ocid=spartanntp

The Return of Detached or Semi Detached is the same after 20y Buy Home. See prove below.

Where Canadian Millionaires live in Canada, and How Many of them?

Latest Update: Jan, 2020 The Star is number #1 News Paper and Media in Toronto. Data from The Star in 2012 validates about Data in 2018, we show Canada has 505,000 millionaires. => With 505,010 millionaires Canada rank #2 of millionaires By Population in the world after US What does it mean as millionaires? - It means Success. Hardwork & Reward. A big Dream, not easy achieve in 3 x Generation. Not about money, rich & poor, as small minded thinking. It's hard because less than 4% in population, even in rich country like Canada rank #2 millionaires. Canada just creates a new Ministry of Middle Class and Prosperity in Nov, 2019. How difficult to become Canadian millionaires? - Canada rank #2 Millionaires by population in the world. More than 1/2 millionaires around 260,000 millionaires, live in Toronto, GTA (Districts around Toronto) of 9.5 million people, about 2.7% population ( still a lot, much better compared to ratio of Japan millionaires population ), ave Home Price in GTA = $850,000, in Toronto = $930,000. In this Blog, we use Data to prove that it is not easy to Buy Home in Toronto. If already Buy Home, take at least 20y, high deposit to pay off home. A Professor, who Teaches Computer Science, Data Analyst & Management, also Builds Software Analyze & Manage Data says: - That's why Scientist use Data, no mouth tongue easy. Data helps make decision more accuracy, see value because: "- Value measured by Data, thus need Data & Computer Scientist who then used Data Science & Methodology ( Such as, CANDO = Collect Data, Analyze Data, Normalize Data, Design Data, Organize Data ) to measure & analyze, not by What people think or say. " See far.  Says: A Professor, who Teaches Computer Science, Data Analyst & Management, also Builds Software Analyze & Manage Data. Without Data, mouth, tongue easy, biases, see near. For example: - Use mouth, tongue, that seems easy Buy Home in Toronto, because they said so. Working in factory, low wage few years can Buy Home. Then just Toronto, GTA had millionaires at least 500,000 mil, more richer than S.Korea 52m, Australia, Italy 61m. Impossible. So dumb. Big corporations like Google, Facebook, Amazon have CEO, VP, CMO, COO, CTO are Millionaires. Senior Management, Directors are Millionaires. Sales Executives who are millionaires, usually from big corporations, have in charge big accounts from multi million clients, get more trusted by big clients. Real Estate Agents who drive new and expensive cars (even car loan) will sell more, at top. Because they create impression on their Clients, like, they are good & successful Sales Executives. Which has been proven. NOTE: In Canada, US, any countries, people can't be biased because of their Social Class, Rich, Poor, Background, Gender. Money is a measurement of "Hardwork & Reward" - Everything ... Everything you do, work, you get paid by Money. Everything you need (home, car, food). Everything you buy (brand name, latest iPhone ...) is measured by Money. You go to school, you Work hard whole life for Money, just to make money. You need Money to Buy Home, Condos, Car, nice Cloths, Luxury Beauty .. You need Money to Live to pay Rent, Food, Doctor, Hospital, Education .... You need Money to Live your Dream Travel, open Business, leisure, enjoy life. Whoever you are. What ever you do: A Business person, A Scientist, a Professional, a Worker, you are millionaire means: - You work hard. You are success. A Scientist says: - I attract to Money since I started Life = 0, very poor, still now in need of Money. I see value of money. I am Saving, less Spending. That's why I work very hard, improved my career from Factory to Scientist, Professor. Scientist track 4 Professionals, started life = 0 for 20y in 1999. (update 23/1) From this, you can Analyze using Grade 5 Math, in 20y period, who can Buy Home, and How Much Deposit, and How Much ROI (Return On Investment). If you started working later in mid 2000s, the later, the harder Buy Home, specially Stress Test makes harder Buy Home, and Home Price increased more than double. For example, from 2012 -> 2018 in 6 years, Ave Toronto Home Price near double from $497,130 -> 870,000, an increase = 373,000$. Always check LinkedIn to make sure their background. Almost Professionals have LinkedIn, a Timeline of their Career, their Experience, their Life, their Education, easy to know they Have Home or Not. If they don't have then they are not Professionals. John chooses to live in Montreal, cheaper living. French culture relax, less hustle. While Peter, Dan use Brain, see far, chooses Toronto. It is biggest city of Canada, Head Offices of big Banks, Stock Market, Financial Institutions, big Corporations, and Center Hub of Manufactures. They see Toronto its potential of growth as Canada grows, like growth stock. Jenny chooses to live in Ottawa, nice place, quiet, civilized & intellectual, less crowded all kinds people, less stress, less cost. After graduated from Canadian University, the four professionals people started career, worked hard for 20y, Buy Home. All of them Buy Home at least 20% Deposit because of good salary as Professionals. Result after working 20y: Just Grade 5 math + Data  Home Price in Toronto here. Always check LinkedIn to make sure their background. - Peter Engineer, in Toronto, Buy Home early in 1999 with high Deposit, already own Home ownership = 20y. Sees his Wealth increased to 1.1 millions. Based on current Ave Home Price in 2019 of Home Price in Toronto, Detached Home = 1.36 millions, Semi = 1.1 millions. If include other assets such as, Cash, Bank Account, Car , RRSP (or 401K after 20y), Stock, Jewry ... probably around extra 200,000$. Which means that if Peter have no Home, after 20y working hard, he should have 200K including everything: cash, bank account, car, stock, 401K (RRSP) ... Because have Home, His total asset = 1,300,000$ or 1.3 millions. => Toronto Home Price ROI (Return On Investment) around 40,000$ (= Net Income of 55K) -> 50,000$ (= Net Income of 65K) / per year / 20 y. Already happened in 20y in Toronto. Not forecast. Data there, but people don't see. Until now Scientist makes sense Data. Or equal Net Income of salary 55K -> 65K every year, or around 4% -> 6% / year. Sometimes 7%. Stress Test has impact. Average Stock Market return 7%. At peak 2017, Toronto Home Price increased or returned 32%. In 2019, it returns 47,063$ (= 65K Net Income) = 5.6%. Translate into real money: In 1999, Ave Semi Detached Home around 200,000s -> In 2019, Ave around 1.1 millions = 850,000$ Return, For Detached Home around 950,000$. Next 2 years, Peter Total Asset = 1.39 m. NOTE: If Peter Buy Home late 10y in 2010 like John, Jenny. In 2010, Ave Home Price in 2010 = 431,276$ double from 1999 = 228,000$. Peter's Wealth will be reduced significantly. His total asset (including every thing Home, Car,  RRSP, Cash ...) = 800,000$. Because he Buy Home 10y later at high double Home Price, and so far only 10, 12 years ownership 2010 -> 2019.   In this Blog, you can see * Data every where * when we write. When we said we always have Data. Say without Data means not proven. People can blah blah anything talking without Data. Having Data is always better fact, true, knowledge, smart, honest than No Data. As Scientist we talk by Data, do Research, different with other people straight from mouth easy. We dare to show people Data when we say, because we are honest, intellecture. For example, Henry bought Early Semi-Detached 20y ago, High Deposit at least 30%. -> Jenny bought 3 x New Detached Home 1.36 millions, with 20% Deposit = 272,000$ each in 2019. -> Peter sold his Home bought 20y ago for 1.1 million. Then He bought 4 x brand New Semi Home with 20% deposit = 222,000$ each. Semi = 1.1 millions dollars based on Home Price in 2019. Who has the most value? 90% people will say Jenny because she bought 3 x New Detached Home. 80% people say Peter because he bought 4 x New Semi Detached. 30% say Henry. - But actually, Henry has the most value, only 1 x Semi Detached home 20y ago returns 1.1 millions, more than Helen = 284,000$, more than Peter = 220,000$. - While Jenny = 3 x Detached 1.36 m x 20% Deposit each, Total Value of 3 Detached  = 816,000$. Peter = 4 x New Semi Home 1.1m x 20% Deposit each, Total Value of 3 Semi  = 880,000$ => The reason because people see only Gains Jenny has 3 x brand New Detached Homes, OMG 3 x brand New Detached 1.36 m = 4.08 millions dollars. But ignore Lost Jenny Debt = 1,088,000 / Detached home, Total Debt 3 x Detached = 3,264,000$. Peter has 4 x brand New Semi Home, Total  = 4.4 millions dollars = a lot money. But Peter Debt = 880,000 / Semi home, Total Debt of 4 x Semi = 3,520,000$. While Henry has 1 x Semi Home 20y ago = 1.1 m. But No Debt => Home Ownership: - People ignore Home Ownership, how long % own Home, Bank owns %. Home Ownership explains why 3 x New Detach Home, 4 x New Semi Detached Homes still less value at least 200K than 1 x Semi Detached Home 20 y ago. => People focus on Gains 3 New Detached Home 1.36 m each, Gains = 4.08 m. Ignore Lost 1,008,000 millions debt each Home. Total debt, Lost = 3,264,000$ => Peter Forecast: Peter from no debt had 1.1 millions, want to sell his home to Buy Multi Homes. Now he has 3 x Semi homes = 3.3 millions, with 2.65 millions dollars in debt. Because today Home Price high, big Mortgage, not like 10y, 20y ago. A lot of debts, a lot of risks. Could gain alot but could lost all. Peter asks a scientist Professor see his future. The scientist Prof said: " - You 2 choices: 1) You buy Multi Homes could increase triple to 3 millions in the next 25, 30 years. Dear friend, took 20y working hard to have 1.1 millions. And working very hard 25y for it. Or could lost all, very risky, too much Debt. 2) Take it 1 x Home =  1.1 millions as value now. Including all other asset Car, 401K = 1.3 millions. You are already millionaire. Relax, travel. In next 2 years, Home will increases 4% -> 6% / year = 65K salary / year, already Data proven last 20y 1999 -> 2019. Thus, next 2 years, your Total Asset  = 1.36 millions. Home keeps increased next 5y, 10y, So on. Which choice you want? "   -> Data. -> Without Data, people use Eyes, Ears, Mouth to evaluate based on assumption, Like It or Not, biases. -> Scientist calls:  Behaviours Economics" = A Study about Human Behaviour of common people, their reaction to various changed from  Economic Policy, Economic Conditions. - Dan Professor, in Toronto, Buy Home early in 1999 or 2000 with high Deposit, already own Home ownership = 20y. His Wealth increased to 2 millions. Because started career early high paid job as Professor, 4x times higher than Engineer, Teacher. Which allows Dave Buy Multi-Homes, and Buy Home early + high Deposit. => A sample of Prof David. Click Cheque 20y ago, 50$ /h, 96,000$ / year <= - John Engineer, in Montreal 2nd biggest City of Canada after Toronto, increased 400,000$ (including other assets such as Cash, Stock, RRSP...), Ave Home Montreal = 379,000$. Based on current Ave Home Price in Dec, 2019. John doesn't pay off the Home yet. He bought Home only 10y, still have another 15 years to pay off 25 y home amortization Because the first 10y just for Saving Money to buy home. After 20y, he owns around 45% Home Ownership. - Jenny Teacher, in Ottawa Capital of Canada, increased to 450,000$ (including other assets such as Cash, Stock, RRSP...). Ave Home in Ottawa = 442,000$, based on current Ave Home Price in Dec, 2019. Like John, Jenny doesn't pay off the Home yet. She bought Home only 10y. Because first 10y just for Saving Money to buy home. Still have another 15 years pay off 25 y home amortization. After 20y, she owns around 45% Home Ownership. Another advantage for Dan is that with his salary as Professor, he could Buy Home within a year. While other Engineer, Teacher may take at least 10y of Saving to Buy Home after they graduated from University and started career. They Buy Home 10y behind Dan. After 10y, Toronto Home Price increased double. -> Thus they Buy Home with expensive double price ->. Thus their Wealth decreased double a lot, significantly. Jenny, John lucky had Home. Without Home, both probably had asset around 100K + Car. What if take Home away from middle class, millionaires in US & Canada? - 90% their wealth in Home, their piggy bank. Just look at their Home then we know how much they have. Easy. No Home = Nothing. Anything else is small, like car. Value of Home Price depends on where they live, Location Toronto, Ottawa..., Deposit 5%, 10%, 20%, 30%, Ownership, how long Buy Home, 5y, 10y, 20y... A Story: A man is showing his girl friend his home. He said:- See, I own Home. She doesn't know anything about Home. Then later, she knows that his Home is very cheap around 200,000$, deposit only 5% (in US) = 10,000$, need 35y, 40y paid off. Then he took her to work in same factory. He owns Home, but need to work factory 35y to pay off. His Total Asset only 10,000$. She will be good partner help to pay off Home. This kind of story alot. In industrialized countries, like US, Canada, working as minimum wage, low wage, need 2 x Income to survival. No way he can afford her to stay home as house wife have children. In Canada, she has Child Benefits around 600$ / month / child. Have 2 children in 10y = around  100K. - Looking at Data, Middle Class and Millionaires in Canada, specially Middle Class Toronto, are better finance than in US, because Home Price in US low Price. How Do People Spend their Income? Income every month, pay for Mortgage (or Rent) first 1st priority = 40% -> 50%  their income. -> Just Mortgage (or Rent), and Income Tax already take away 65% of Income every month. -> 1) Then Home Bills like Property Tax, Utility, 2) then Car, Gas, Car Insurance, Car Maintenance, 3) then Living Expensive, Food, Grocery, Phone, Internet, 4) then Debt, 5) then Entertainment, Eat-out, Smoke, Drink, Vacation & Travel (could cost a whole year saving), 6) then On/ Off Job lost Income most stress for Home Owner. 7) then Miscellaneous Spending like Hospital, Medicine, Dental, Child Care, all kinds of Fees, Tuition ... -> So many then, 7 then for 35% remain Income. Not much money left. Very much the same for every one in Industrialized & Developed Countries. Very hard to become millionaire. Professionals, Teacher, Engineer 20y working hard in Montreal, Ottawa has 400K. -> All Home Owners work hard, make ends meet. They have more expensive to pay than people no home. People put money in Home, in Stock. Only idiots put money in Cash under bed, and spend fast. You have to live as industrialized middle class home owners in Industrialized Countries in order to understand their lifestyle. - Looking at Data, Middle Class and Millionaires in Canada, specially Middle Class Toronto, are better finance than in US, because Home Price in US low Price. NOTE: - Ave Home Price in Toronto in 1998-1999 around 219,000$.Today in Dec, 2019, Ave Home Detached in Toronto = 1.36 millions, Semi detached = 1.1 millions. Peter, Dan, makes Decision by Brain, right Place. See far. While John, Jenny makes Decision by Heart, Like It or Not. See near. Take many Generations work hard, achieve as same as Dan, Peter in 20y. Thus by choosing where Location to live will make a big difference. NOTE: 20y ago, with that big salary of Professor, 50$ /h, 96,000$ / year easy Buy Multi Homes. 20y ago, Minimum wage Factory Worker, Restaurant Server 5,5$ = 10,500$ / year. Engineer, Teacher 12.50$ / hr = 24,040$  => A sample of Prof David. Click Cheque 20y ago. <=

Since 2018, Canada has 505,000 millionaires, an increase 83,000 millionaires since 2012, near 20% in 6 year or 3.3% / y. Put Canada rank #2 of millionaires By Population in the world. From 2012 -> 2018 =  422,000 -> 505,010 of millionaires = 20% of Growth. Ontario, Toronto gets half of increase = 10%, thus from 2012 = 47% -> 57% of all Canadian millionaires population, because Home Price has big increase 370,000$ from 2012 -> 2018 in 6 year. And 1/2 Growth of 20% in 6 years = 10% Growth for the rest Canada. Quebec, Montreal increase = 2%, thus from 2012 -> 2018 = 19% + 2 % = 21%. Already, Both = 78% of all Millionaires population Canada. The rest of Canada = 22% What about Canadian Millionaires Population if Toronto Home Price did not increase? -> Probably will not rank in top 10 in the world. Toronto is not Vancouver. It is Toronto that hat increased the big number of Canadian millionaires population. Toronto is big difference with Vancouver. It is the biggest City of Canada, large population 9.5 mil, Headquarters of large Corporations, Head Offices of biggest Banks, Stock Market, the Center of Financial Hub, and Manufacture Hub of Canada. To stimulus the Demand of Housing outside Toronto, Vancouver, Government of Canada has policy already in effect since Sep, 2019 to support Home Buyer by financing 10%  for home under 800,000$, free Interest Loan. As a result, we see recently, Home Price goes up across Canada. For example, Ottawa up 11.5%,  Montreal up 9%, Kitchener-Waterloo up 15% ... NOTE: From 1998-1999 -> 2012, Ave Toronto Home Price more than double from 219,000$ -> $497,130, an increase = 278,130$ in Toronto. Which puts 100,000 extra millionaires on the list. From 2012 -> 2018, Ave Toronto Home Price near double from $497,130 -> 870,000, an increase = 373,000$. Which puts 83,000 extra millionaires on the list. "- One of the assumptions behind the increase in the number of millionaires is that Canadians' housing wealth will continue to rise — no collapse in that market " said Jim Davies, an author of the study and Economics Professor at Western University. Ontario, Toronto from 2012 = 47% -> 57% in 2018 an increase 10% (even more) = 287,900 of all Canadian millionaires population, because Toronto Housing booming Home Price up near double, because a huge increase in Home Price from 2012 -> 2018 = 373,000$ only in Toronto, not seen in other places out side Toronto like Quebec, Ottawa, Vancouver, the rest of Canada ...And even the World. The more far away from Toronto, like GTA, Districts around Toronto, Home Price is reduced significantly few hundreds of thousands dollars. Quebec, Montreal, 8.5 million population, only French speaking province, in 2012 = 19% -> 21% a 6 year increase 2% in 2018 = 106,052 of all Millionaires population Canada. Although Home Price does not much increase around 380,000$. But Quebec Millionaires, Upper Class have been rich, Wealth accumulated over 256 years in many Generations since 1763 established of Province Quebec. Came from rich France Immigrants. Already, Both = 78% of all Millionaires population Canada. => Hardly to distribute 22% of millionaires population to the rest of Canada. So we look for places where will create millionaires, which is big City, Capital, rich Location. - Estimated, Capital of Canada Ottawa (population 1,000,000, a million) = 5% Millionaires of all 505,000 millionaires, around 25,250  Millionaires. Ave Home Price = 441,800$. Translate into Home (Detached or Semi) Ottawa less than Toronto 700,000$ -> 800,000$. - Province BC (British Columbia), its city Vancouver (population 680,000) = 8% of all Millionaires, around 40,400  Millionaires. Vancouver Home Price has decreased significantly only more than 70,000$ different from Toronto. And small population 14x less than Toronto. - The rest of Canada = 9%, which includes: - Hi tech, Start-ups area, Silicon Valley of Canada, Kitchener - Waterloo  Proximately 2% Around 10,100  Millionaires of all 505,000 Millionaires, population 240,000 - Canada Center Oil Producers in Alberta its Capital Calgary, proximately 3% of 505,000 Millionaires, Alberta population 4.4 million. Around 15,150  Millionaires - The remain of the rest population Canada, other Provinces, and tens of thousands of small Towns across Canada proximately 4% = 20,200 of Millionaires. They live in Provinces: Manitoba & Winnipeg (Ave = 306,000$), New Brunswick (Ave = 178,000$), Newfoundland and Labrador (Ave = 246,000$), Nova Scotia & Halifax (Ave = 320,000$) , Prince Edward Island (Ave = 230,000$), Saskatchewan (Ave = 287,000$). Ave Home Price around 500,000$ -> 600,000$ less than Toronto & GTA. Translate into Home (Detached or Semi) less than Toronto 750,000$ -> 900,000$. Canada’s three territories are: Northwest Territories, Nunavut, Yukon. What if take Home away from middle class and millionaires? - 90% their wealth in Home, their piggy bank. Income every month, Mortgage (or Rent) is paid first 1st priority -> Then Car, Living Expensive, food, debt in second 2nd -> Not much money left. -> They still make ends meet. They have more expensive to pay than people no home. People put money in Home, in Stock most popular. Only idiots put money in Cash under bed, and spend fast. You have to live as middle class home owners in Industrialized Countries in order to understand their lifestyle. NOTE: As scientist, We use Data Science to explain something like Housing, Life, Economy, Computer Science.   The Return of Detached or Semi Detached is the same after 20y Buy Home (update 15, Jan, 2020) Scientist has proved that 20y ago, doesn't matter you buy Detached or Semi Detached , after 20y the return the same.  For example, in 1999 you have a fix amount of deposit. If you bought a Semi, you would high deposit at least 30%. Take 20y pay off, because not only small Mortgage Loan + but also high % Deposit = Pay off Home faster. If you bought a Detached Home, you would reduce deposit very small like 10%, 15%. Take at least 30y, 35y pay off, because not only high Mortgage Loan + but also small % Deposit. A different 10y cost Home Owner hundreds of thousands of dollars for Interest Payment. For example, 20y ago in Toronto, A bought a Semi Detached Home with at least 30% Deposit.  B bought a Detached Home with around 10%, 15% Deposit. 20 y later, both Semi and Detached Home will Return on Investment the same = 1.1 millions, giving Semi = 1.1 millions, Detached = 1.35 millions in 2019. But Detached Home cost more than Semi. At anytime, after 20y you can always upgrade from Semi to Detached Home. Or better buy another Semi, 2 x Semi will have combined value = 2.2 million dollars, at least 800,000$ more than a Detached. But Cost nearly the same. Example Property Tax of 2 x Semi nearly same as a Detached Home. Semi Detached Home more profit for Rental than Detached Home because less cost. Why not high Deposit more? - Easy said than done. Not easy. Because if take 10 years Saving for 10% deposit. Then take double 2 x time 20 year for 20% deposit. Then take 3 x times 30 year Working & Saving for 30% deposit, for only high salary like Professor. People don't wait 20y, 30y, jump in 10% will take 30y, 35y.. paid off Home. Today, Stress Test need 20%. - If you bought a Detached higher price, your deposit reduced to  1/2 = 12%. Take 30y paid off. After 20y in 2019 in Toronto, Detached = 1.36 millions. Semi = 1.1 millions. If you bought Semi Detached. Because you pay high deposit at least 30%, after 20y, you completely ownership 100% of Semi = 1.1 millions. - If you bought Detached only small 12%, 15% Deposit. You own only 2/3 of the Detached Home after 20y, still work hard for 10y more to own 100%. In 10y, assume giving mortgage = 3000$ / mo -> A year = 36,00$ -> 10 y = 360,000$. => All this money at least 300K just pay for Interest. A waste of money. After 20y, each year Detached pay 36000$ means you lost 36000$ compared to Semi already Done!. Thus after 20y, you own 65% of Detached Home = 1.36 mill x 65% = 885,000$. While if buy Semi, you own 100% = 1.1 millions. Thus the same after 20y, doesn't matter you buy Detached ( Not including the Operation Cost pay more for high Mortgage Payment / month, high Interest Payment because high Mortgage Loan + high Property tax + high Maintenance Cost ) = your Wealth = 885,000$ or Buy Semi, your wealth = 1.1 millions. => People ignore Cost, the Operation Cost in 20y or more to run Detached Home, only Focus on the Home Price 1.36 millions they not yet own. Human greed only focus on Gains not Lost. This Economist called "Behaviour Economics". As we always say, you need a real Data & Computer Scientist to see far that people can't see. Cover your Ears, Eyes, Mouth. NOTE: We only show you about the Return On Investment (ROI) after 20y. Both return the same money, Semi = 1.1 millions, Detached = 885,000$. We do not include the Cost of Operation, such as, Mortgage, Bills, Maintenance, Property Tax (Detached more double than Semi,) of Detached Home seems very high compared the Cost  of Semi. Home Data: Based on current Ave Home Price in 2019 of Home Price in Toronto, Detached Home = 1.36 millions, Semi = 1.1 millions   How Data Scientist Collect Data: (update 24/1) Scientist use Ave Home Price of Detached and Semi Detached in Toronto, Real Estate Industry also used Ave Home Price more accuracy. We don't know or don't care where Peter, Dave live in Toronto, or where John live in Montreal, Jenny lives in Ottawa. - The way we used Data is to present a whole population in a City, not to present particular areas, not particular people, particular neighbour, street, my friend home.... ( Learn Data Management & Analyst, CANDO = Collect Data, Analyze Data, Normalize Data, Design Data, Organize Data.. Then Talk ) -> Because, in that area, have thousands of streets with different price, and also Home Price different price depend on Renovation. My neighbour Home Price doesn't mean my Home Price same. The people we use like Peter, Dan, John, Jenny could represent tens of thousands people like Jenny, in large millions population of a city. From there, you can figure out other type of working people. For example, if an Engineer had this asset after 20y, what if a Factory worker had? Can Buy Home? -> Giving the Factory Worker usually makes less than 1/2 salary the Engineer. - Scientist don't collect Data so distracted with tens of thousands Data Points of Homes. Talking to 10 people, each of them has different Data, all kinds of Data, from mouth, no scientifically proven. Make up Data. A person says: - Home in this District is worth 2 millions, straight from mouth. That's why Real Estate Industry used Ave Home Price to prevent Pick up some areas in Toronto, where Detached Home around 1.56 millions, Semi around 1.35 millions. Then used to present as all Home Price in Toronto -> Faking Price. Currently, Detached Home is 1.36 millions doesn't mean all Detached Home = 1.36. Some more. Some less. One simple Example How To Collect Data: Let's say we want to Collect Data of Total Sales = SubTotal + (SubTotal x Tax ). We don't Collect Data of Total Sales and store in database. Only Collect Data of Sub_Total, Tax. Because Total Sales, its values depends on the variable of Sub_Total and Tax. When Sub_total and Tax changed, Total Sales is changed. What if software system is used by different countries had different Tax Rate? So in Database, we only Design table fields = Sub_Total, Tax to save data, but no Total Sales field. This is just simple example How To Collect Data, Design Data. In reality more complex Collect Data than just Total Sales. => What if we Don't Know and Design Data store Total Sales in system. This software system Design wrong & dangerous. => Junior Software focus on Look & Feel, GUI, Colors, Screen, Interfaces, the Cloths, the Outside, easy change Cloths, Color, GUI, Screen, the most easy task of Design, called Front-end Developer. That's why in Software Development, this Design Look & Feel is given to Junior Developer. The Data Back end is the most difficult Programming & Design, need understand CANDO for Computer Scientist, the brain of system. . Of course Computer Scientist understand, know Design of GUI, Screen -> Because the Design GUI, Screen, by Design, is depending on Data, and for the presentation of Data. As you see Data is very important in Software Design, not just Talking, Management, Forecast ... Without Data, people don't see far, blind. Thus no good making decision, because they think they see, they know, but not. It is dangerous listen to mouth, tongue no Data. Listen to Data speaking the truth, no biases. Scientists like Doctors, we say open, honestly in good faith. Because it is our Professional. We scientist talk scientifically. We talk Data no biases, intelligence, honesty. ->  Said, A Scientist Professor, who not only Teaches Data Analyst & Management, but also Builds software to Manage & Analyze Data

Update January 2020: latest Home Price in Toronto

NOTE: Scientists and Real Estate Industry used Average Home Price, Bench Mark Home Price, Median Home Price for equally distributed a whole City, including many areas, municipalities, streets. They don't pickup some areas, some neighbours, my friend Home, my parent home...where home price expensive, then used these Home Price to present a whole City. For example, in Downtown Toronto, there are Condos = 1 millions dollars. Then use a million dollars Condos Price to present for price all Condos in Toronto. This is "faking price" , exaggerate. Home Price also depends on Renovation, a 50K Renovation could increased 50K, 70K. When says Ave Detached Home = 1.35 millions means not all Detached Homes 1.35 millions. Some more than 1.35m = 1.5m, 1.6m... Some less than 1.35 millions = 1.2m, 1.3m ... Scientists then used Ave = 1.35m for Fairly Distributed Presentation a whole City, not 1.6m nor 1.2m.

Home Report in Jan, 2020. - Headline:  
1) - Lack of Home Listing and Home Supply, while the Demand continues growth outpace of the Supply. Increase competition between Buyers. This makes Home Price in Toronto, GTA increase.
2) - Lower Interest Rate at historic low 1.75% thus lower Mortgage Rate and Rising Population. See Toronto map, click here
3) Toronto Star -> Toronto home prices likely to be hot again in 2020 after 4 per cent increase last year. Resale home prices rose by 4 per cent in the Greater Toronto Area in 2019.  And prices will continue to rise into 2020. Home Sales in GTA increases 17.4%.
4) During winter months like December, January, February, usually, Home Price goes down because of the weather, snow, less Buyers.
5) - Based on latest Ave Home Price of Detached and Semi Detached Home, you own 2 x Semi Detached Home = 2.2 millions, 1 x Detached Home = 1.35 millions. Thus owning 2 x Semi Homes, you have 850,000$ over 1 x Detached Home. But the cost for Maintenance and Property Tax, not much different.


Ave Home Price 5 biggest Canada Cities in Dec, 2019:
Montreal, 2rd biggest City Canada after Toronto 1.75 millions population, Montreal University, McGill University, Ave Home Price = $382,000, up 9.4% compared to last year Dec, 2018. Last month = $379,000.
=> Rent: Montreal’s average rent for a two-bedroom apartment is $809 per month.

Vancouver City, 675,000 population, Tourism, Film Industry = $1,001,000, Home Price down 3.1% compared to last year Dec, 2018. Last month = $993,700

Calgary, 1.26 millions population, Canada Center Oil Producers = $413,900, down 1.4% compared to last year Dec, 2018. Last month = $419,400 .
=> Rent: Calgary’s average rent for a two-bedroom apartment is $1272 per month.

Ottawa, 884,000 population, Capital, Ave = $486,800, Home Price up 10.3% compared to Dec, 2018. Last month = $441,800. Condos = 314,000$, Detached Home =  $501,036. In 1999-2000, ave Home price  $150,000
=> Rent: Ottawa’s average rent for a two-bedroom apartment is $1300 per month.

Kitchener- Waterloo, 234,000 population, Hi-tech, Start-up, Waterloo Univ, Head Office of Black Berry, Nortel, Ave Home = $527,718, up 9.3% compared to last year Dec, 2018. Last month = $566,866. - Detached Home $615,000 dollars (Dec, 2019) in Kitchener-Waterloo  - Condos = $333,000 (Dec, 2019)

NOTE: In 2018, Total millionaires in Canada is 505,000 millionaires. In 2012 before Housing booming in Toronto & GTA, there were 422,000 millionaires in Canada, 47% of Millionaires live in Ontario & Toronto = 47% millionaires, Toronto is its capital, and 19% of Millionaires live in Quebec = 19% millionaires. Province Ontario and its Capital Toronto & Province Quebec and its Capital Montreal = nearly 70% of millionaires population of Canada. (See Toronto Star) In 2012, ave Home Price in Toronto = 497,130$, in 2016, ave Home Price in Toronto = 730,000$. In 2018, about more than 1/2 Canadian millionaires live in Toronto, estimate 262,600 millionaires in Toronto & GTA 9.5 millions people = 2.7 %. => While the richest country in Asia is Singapore in 2018 has 183,737 millionaires Toronto has 9.5 millions people and ave just Home Detached + Semi = above 1 million. Why Canada has only 505,000 millionaires ? -> Because live in 1 millions dollars Home doesn't mean you are millionaires. Unless you own that home. Take 20y with high Deposit, 25y, 30y, 35y ... Paid off own home. You can buy 1.35 million dollars home in Toronto with 20% deposit = 270,000$. And only Toronto area code (416) (see Toronto Map) has Average Home Price Detached Home and Semi-Detached Home over 1 millions. See the Ave Home Price posting above. Outside Toronto, like GTA, Suburban, Average Home Price under 1 millions dollars. The more far away from Toronto like Brampton (Ave = 718,000$), Ajax (Ave = 655,000$), Oshawa (Ave = 503,000$) .. Home Price is much reduced. Few Notes: About Author. I have been talking about Toronto Home since 2017 at its peak. Started career in 1998 as Professor, I used Data, based on Data, no mouth, tongue. By simply asking: - What were you doing 20y ago in 1998, 15 y ago in 2003, 10y ago in 2008, I can know you can Buy Home or Not in Toronto, and How much % Deposit? -> Data no biases. How to know? -> Check LinkedIn Profile. Almost 90% Professionals with University Degree have LinkedIn Profile. Of course, people with Univ make at least twice 2 x Income than people don't. => As Data & Computer Scientist, we teach other Professionals using Data Science, avoid mouth, tongue, talking. -> Making Decision without Data is blind, biases, not good Problem Solving. NOTE: Do not use this Methodology check on your partner. NOTE: To answer, you need to know 1) How to Collect Data 2) How to Analyze Data. Such as, 1) Where "Location" they live, most important. Then 2) Ave Home Price in Toronto for at least 13 years. Why? Because when a person started career 15y ago in 2003, didn't mean He/ She could Buy Home right away. Unless salary of Professor. Will Take a person at least 13y - 15 y of Saving. Then after 13y, from 2003 -> 2016, What is Ave Home Price? -> Ave Home 1998 = 216,915$ (in 1998, Salary of Professor 50$/hr or 96,000$ / y = Buy Home in 1 y at least 25% Deposit. Today Ave salary of Professor 120K, not qualify Buy Home in Toronto, Engineer 12$ / hr or  $23,000$ / y, Factory, Restaurant Server, Minim Wage 6$ / h or 11,500$ / y) -> Ave Home 2003 = 293,067$. In just 5y 1998 - 2003 increased 76,000$. Thus if started career as Engineer in 1998, you could not Buy Home because of a big increase Home Price in Toronto in just 5y. -> 5y later Ave Home 2009 = 395,460$. In 2003 -> 2009 just 5y increased 103,000$. As Engineer started career in 1998, now you were lost so far behind Buy Home Toronto. From Data, we see that if you started career as Engineer after 2008, very difficult for you Buy Home in Toronto, because an Engineer started 10y early 1998 could not Buy Home. Unless borrow money from somewhere.- Because since 2009 -> 2016 a very big increase from $395,460 -> $730,000 = 335,000$. increase. => Ave Toronto Home Price 2016 = $730,000.  -> Could He/ She afford?. 3) Interest Rate, Their 4) Salary of Factory Worker, Restaurant Server, Engineer, Professor ... 5) Income Tax, 6) Debt, 7)  Living Expensive = Rent, Car, Car Loan, Car Insurance, Food & Grocery, Drink, Misc Spending, Vacation, Travel ... Specially, after 2018 is 8) Stress Test -> These are main Data that is making decision if a person could afford Home or Not. Avoid Emotional Intelligence like Basic Instincts, Ears, Eyes, Mouth, Tongue, Hear, See, Know, Talk... Such as, I hear people said that, I know him, I see her showing photo, I hear he/ she said that ... These mouth, tongue, blah, blah grade 5. As a Data & Computer Scientist, we teach other Professionals using Data Science, avoid mouth, tongue, talking. -> Making Decision without Data is blind, biases. - What were you doing after 2006? - Impossible Buy Home in Toronto for an Engineer or Teacher started career after 2006, 2008 (2006, ave = 352,000$ -> 2016 = 730,000$  =  378,000$ increase in 10y ). Rent is better. Or maybe combined income of 2 x Engineers Buy Home with small 10% Deposit. Easier Buy Home in 80s, 90s than in 2000s. -> Said a Professor by Analyze Data  - For example, A person graduated Engineer in 2003, 15y ago. Giving Salary of Software Engineer in 2003 15$ - 16$ / hr, could that Engineer Buy Home & Afford Home in Toronto. If so, Home Much % Deposit? Could You Prove by Collect Data, Analyse Data? No mouth, tongue Grad 5.. -> - Could a person in 2003, 15 y ago, who was working very hard, in Factory, Restaurant Server, minimum wage Buy Home and Afford Home in Toronto? - For example; 20y ago in 1998 - 1999, a Professor could Buy Home within 1 year, at least 20% Deposit. Today, after 2018, how long will take a Professor Buy Home with at least 20% Deposit to satisfy Stress Test? Could you prove by Collect Data and Analyse Data? - You Collect Data the same Methodology as shown before. Such as: Professor Salary, Living Expensive, Ave Home Price in 1998 - 1998, today 20y later 2018-2019 ... Is it easier or more difficult for a Professor Buy Home, giving even salary has increase after 20y? -  How Long will take Professor Buy Home today, 10y, 15y? - For example; After 2018, A couple with 2 x combined Middle Income 55,000$ = 110,000$ says Buy Home in Toronto? - Can they? - Can you explain why? - For example; Even Professor on Ave Salary 120,000$ (Salary on Sunshine List = 100K)  Could not Afford Home in Toronto. Is It True? -  According to Data, today, in Toronto, you need a Salary of 130,000$ to afford Home in Toronto.

- Latest Data in 2019. 4.5% of Adult Population over 18 not 37 millions of general population. In Canada most Millionaires live in Toronto

Big men talk about Home. Common men talk about Car, Cash, small stuff...
The Law of Attraction says: - If you talk to people, who are not interested in Home, not Like home, not understand Home -> Then 90% they had no Home, never Buy Home, not interested in Home, because lack of knowledge, not Like Home. Home is the most important investment of your life. Almost 90% of online Media gives you 1 x Data, which is the Average Home Price of GTA =  843,637$. This is not accuracy, not good enough to understand Toronto Housing. => Here, we give you alot of Data, including Home Sales & Home Price Data of Toronto, GTA separately. Not enough, we give you Data of each Type of Homes, such as, Detached, Semi Detached Home, Town Home, Condos. We also give you Last month Data, Last Year Data of both Home Sales & Home Price, Data of the 5 biggest Cities of Canada, including Vancouver. Housing Data of biggest Cities and States in US. So only one source from here, You can see a whole view of Toronto Housing and 5 biggest Cities of Canada, and of major Cities & States in US.
As Data Scientist, We have been doing observation & research Toronto Housing since its Peak & Fall & Cooling, Ups, Downs, Data **every month** since 2017. We can see a holistic View about Toronto, GTA Housing. Using Data, we can see something that common people can't see. Apply Economic, we explain why Home Sales & Price are driven by Supply/ Demand, by main factors like 1) Immigration, 2) rich Middle Class who can afford -> These rich middle class people have Capital to Buy Home the most, more than Foreigners, New Comers, as second investment or help their Relatives. A 20y Middle Class can Buy 3 x Homes 20% Deposit. Having 1st Home helps Toronto Middle Class easier buy additional Homes. Canada has the richest Middle Class, Millionaires by Population in the world rank#2 same as UK. Toronto Middle Class has 1/2 millions dollars richer over the rest Middle Class in major Cities Canada & US, only after Vancouver and some areas in US Silicon Valley. More than 50% Canadian Millionaires live in big City Toronto, not in Capital, just like other countries. Immigrants, New Comers helps population growth, increased more demand for Housing. They are good Renters for Middle class Home Owners.
Immigration #1 Factor -> Population Growth, Economic Growth, more Businesses created from rich Immigrants 65% of All Immigrants come to Canada, more Workers from poor Immigrants, since cheaper to bring immigrants produced right away, more Products & Services produce -> More people Demand for Rent & Housing -> High Rent -> more Demand for Home  -> high Home Price. Because people don't want to pay high Rent, thus Buy Home. They also Buy Home, but not as much as Middle Class Toronto. Even Immigrants, New Comers high Demand for Rent also create more Demand for Homes. WHY?. So Immigrants is the #1 important factor for strong Demand Toronto Housing, unlike Vancouver, and other Cities in US & Canada. That's why Toronto Housing Market driven by Immigrants, Toronto Middle Class, Millionaires is different with Vancouver Housing Market, and other Cities Housing Market in the World. Toronto is only City in the World has multi cultures, because high population of Immigrants. 3) Interest Rate, 4) The Economy, 5) Inflation money lost values overtime, price goes up naturally, a MacDonald big Mac, 100K in 20 y ago different with a big Mac, 100K in today, and 6) Government Policy, like Stress Test, a tool control only Demand Side, but not Supply Side. Click here see Supply/ Demand  Chart, Price vs Quantity for Toronto Housing's Problem Solving. Thus create competition between Buyers while lack of Supply -> Home Price continues up unless Supply Side improve. We also include analytics about Home, which will help you make a lot of money, make better decision, and importantly, you will not be fool, when someone blah, blah grade 5 about Home without Data. They already make a lot of money using this knowledge, make right decision using Data.

Why as Data & Computer Scientist should talk about Technology, but talk about Home? - Because if just talking about Technology will not draw a lot of viewers, boring, and not much Technology stuff to say every month. Home is Big. Every one, including people in Toronto & GTA, and in other Canadian provinces, and abroad, likes to know more about Home in Toronto, GTA. Which could apply in their own Housing, their own City. People work hard a whole life, 9-5 ever day just for Home. People become rich, millionaires because of Home. We as Data & Computer Scientist, want to use this Data Science, Technology skill to apply in Home. Like we use this hi-tech skill apply in Business-> Build software helping business solve problem. -> Which helps people make the most important decision in their life: Have Home. Have Something. We use Data, no biases. A lot people said: - While people talk about Rent better. Reading your Home Blog, understanding more about Home, we save money, just Buy Home first time. Thank You.
 

November 2019:

Few Notes: Almost middle class, millionaires, whoever in Toronto still make ends meet. If some people said they are already have Home, millionaires, no need money, no need make ends meet. This is narrow minded, wrong. Every one regardless background, rich, poor, social class, has the needs to make ends meet.

Home Report in October, 2019. - Headline: Sales jump 14%, Price up 5.5%. Semi in Toronto = 1.1 millions. Detached in GTA = $952,000, difference = 150,000$. This happened almost 9 out of 10. From now on, we will show the differences between them. See Toronto & GTA (Greater Toronto Area) map below.

NOTE: To avoid people blah, blah, mouth, tongue use few expensive Homes, my friend's Homes, few Areas have expensive Home Price like Downtown, then present as a whole. This is dumb grade 5, unscientific, faking, biases. The Real Estate Industry uses Average Home Price of all areas for easy to understand, keep track, historical data, remember, analyse, fair distribution, accuracy.  Use Data, scientist see far than common people

For example, saying in 1998-1999, ave Toronto home price = $219,000, every one can understand easily Home Price 20y ago vs now = around 4 x times increased. From here, scientists can analyse -> How Could ave person can afford a home? What kind of income? -> Then Data Scientist can see: - While income, salary grows only 2x or 2.5 times but Home grows 4., 4.5 x times. Thus nearly double 1.5 or 2 x times harder to buy home today than 20y ago, even salary increase double compared to 20y ago. From one Ave Home Price Data, scientist can see a lot of things. So on .....

A Scientist Professor said: - Using Data in 20y proves that Buy Detached Home many not return profit than Buy Semi Detached Home.  A 65K question.
-> When Home Price Ups / Downs, all types of Properties Ups/ Downs. But Detached Home Ups a lot, and Downs the most. For example, in Housing Cooling in 2017 - 2018, Detached down the most $300,000, while Semi dows $100,000, Detached Down 3 x times more than Semi Home. When Home Price Ups/ Downs, but the Home Price of Detached vs. Semi is difference in the range [ $150,000  -> $250,000 or around 15% - 18%  ]. Based on latest current Home Price, currently, in 20y, Detached return profit more than Semi = 230,000$ after 20y. Thanks to Home Price in Toronto always ups in 20y. How about if Home Price downs, or flat? the Profit Return could be small = $100,000. But the Extra Cost is always fixed, Interest will Up not small historic very low like right now.  While you buy Detached Home, you will borrow extra mortgage $200,000 -> $250,000 -> Thus cost extra your budget for Mortgage, Property Tax (Detached double Semi), other expensive like Home Maintenance, Home Insurance, around $ 2000 / month more than Semi Detached Home. -> In 5 years you pay extra cost = 5y x 12 mo x 2000 $ / month = $120,000 extra cost over Semi -> Thus 10y pay extra = $240,000 extra cost than Semi -> In 20y pay extra = $500,000 half a million extra cost than Semi. -> Thus for a Detached Home you pay extra cost in 20 y = 500,000$ near double for the difference Price between Detached vs. Semi Detached = at the most = $250,000. The extra cost more than the return Price between Detached vs. Semi means Buy Detached doesn't means more profit than Semi. =>  Thus 20y ago, Own a Detached Home doesn't mean you gain more Profit than Semi, because you pay more extra Cost than own a Semi. Now look at the Ave Home Price in 20y, 20 y ago = 219,000$, now Detached = 1,32 million and  Semi = 1.1 million, -> At Oct 2019, the Profit return is  of Detached vs. Semi = $220,000 after 20y. But the extra Cost around 500,000$ -> You do not gain but also you may lost $250,000 in 20y. You don't count the Extra Cost = $500,000 but count only the different Price Profit of Detached over Semi in 20y = $230,000. -> In 20y Extra Cost more than Profit Price between Detached vs. Semi based on latest Data in Oct, 2019. -> Semi less risky than Detached if lost income, interest Up, Home Price flat or down.  You can always upgrade from Semi -> Detached any time will cost around 150K -> 200K, based on current Ave Home Price = 900,000s. If Detached in future Price may go downs -> Then Buy Semi first waiting for Detached Price down then upgrade.

=> Because Extra Cost of Detached is big, you will be better buy 2 x Semi detached Homes, value = 1.1 million x 2 = 2.2 millions over 1 x Detached = 1.32 millions.

=> He said:- So if some one say Buy Detached more profit than Semi is not right. Need Data Scientist see far than common people can't see, see near, blind, small, see biases, making decision not good, because lack of Data or not trained in Data Science like Anthropologist. Which saves a lot money. Having Data, access Data doesn't means you can analyze data. You need Data Scientist make sense of Data. That's why people see Data but don't see, don't know what it means.
NOTE: Emotional Intelligence vs. Data Intelligence. Emotional Intelligence is Human Intelligence has evolved tens of thousands ago when no hi-tech, internet. Human used basic instinct like Love, Hate, Emotion, Feeling, Greed & Fear, Like It or Not... in every day making decision, for survival, still today even smartest educated people, President, CEO. Emotional Intelligence is easy mouth & tongue, based on its own life experience, no need to analyze data, no need train, no need do research first before talk. And also they are not trained in Data Science. CANDO = Collect Data, Analyze Data, Normalize Data, Design Data, Organize Data. -" It is easy that's why people like to used.. But without Data, it is blind, biases. Today, Human in the Fourth Industry, Internet, Software, Data ... Computer Scientists design computer system, analyse Data help in making decision. Which is called Data Intelligence. Using Data Intelligence, we make decision based on Data more accuracy, see far, avoid biases, avoid Like It or Not.

For example, Only dumb people put a million dollars cash under mattress bed, in bank account no return, loss value by inflation, easy spending, or buy Car after few yeas lost 1/2 its value. 90% Asset of Middle Class in Home, piggy Bank. Every month, first Priority their Income in Pay Mortgage first, is a small investment continuously for at least 20y. Asset, Wealth of Middle Class Toronto is Ave = 1/2 millions dollars richer, and Home both Detached & Semi Detached in Toronto Ave = $700,000 richer than Middle Class in any Cities in Canada and US, except less than Vancouver 70,000$, and few areas in US Silicon Valley. Ave Home in US = $230,000 according to US Business Insider in 2019. Click Cost Buy home in 50 US's States in July, 2019.

Data Scientist use computer software system to collect data, analyze data, normalize data, calculate the numbers including thousands of Data Set. Then Corporations used computer system to analyze Data, not mouth, tongue. It is Data & Computer Scientists who build these computer Systems. Said, a Professor teaching: "How to Implement Computer System and Data Collection, Design, Analyst and Management"

=> Home Buyers choose Semi Detached Home because: 1) Detached & Semi detached Home in Toronto are A Million Dollars Home. 2) 200,000$ extra mortgage is big, not small. 3) Property Tax Detached more double Property Tax of Semi detached Home. 4) Less cost Maintenance,  Utility, Home Insurance, Heat 5) Good for extra Rental Home, less cost, less mortgage. A difference Cost, mortgage, property Tax, other Costs between Detached vs. Semi around extra 2000$ / month. All about Data. That's why we need Data in making decision, see far.

Usually the difference Price between Detached & Semi in Toronto is around $150,000 -> 200,000$. Thus ups/ downs when a Detached 1.5 millions then Semi around 1.3 millions, and VS. Now the difference Detached and Semi = 223,000$, Detached still high. In 2017 peak time, Detached Home Price jumped too fast too quick because of foreign Buyers. But Detached has gone down recently to the level used to be, which is different with Semi around 150K -> 200K. => Right now, Oct 2019, Semi in Toronto = 1.1 millions, Detached in GTA = $956,000. 2 x Semi in Toronto = 2.2 millions while 1 x Detached Home Toronto = 1.33 millions

Home Value not just depends on 1) Location, such as, big city, small city, town, suburban, it also depends on 2) New Renovation will increase Home Value. Like most Homes in Downtown Toronto are old Homes around 80 year, but very high Price the most in Toronto, because its location. Unlike Vaughn, North York, new migrants, people just move in 25y. One my friend just made few New Renovation 50K increased Home Value = 80K. When buying New Home, Builders don't build every thing ready, such as, unfinished Basement look like laundry room can't live. He said: - Renovation such as, replace old floor with new quality wood a whole 1st floor, when walking not hear sound, replace old kitchen with new cabinet kitchen, new Open Living Room Open Space Architecture. Knock down the walls (hardest, move alot garbage, debris, labour cost, air dust every where, home owner uncomfortable living ) and Replace new Floor, new Cabinet Kitchen ... Usually, people cover windows, don't want to show old home architecture. Then expand old small stand-only bath room with new bigger space bathroom, extra bed-room, new Painting, renovation new whole basement like 2nd Floor, with kitchen, bigger space bath Room, 2x bed room, living room, separate entrance. The whole replace new Renovation cost 50K, increase home values 80K, even better than new home.

Update October 2019:
Few Notes: => On Ave A 20 year middle class can buy 4 (at least), 5, 6 x 1.1 million Dollars Home. Or Buy 3 (at least), 4, 5 x 1.3 million dollars Homes. Satisfy 20% deposit.

-> How Long and How Much % Deposit when you bought Home? = Home Ownership -> If Buy Home after 2006, Deposit less than 20% ==> Home Ownership less than 50%. ->Very worry if lost job could mean lost Home. Very worry when Interest goes up, Home Price flat or down.

-> People no Data think when they Buy & Live in a 1.3 millions dollars home, 20% Deposit, then they had 1.3 millions. But use Data, Scientist proved that they real asset is only 260,000$, Debt = 1,040,000$. People are greed, always greedy, think Gain ( = 1.3 millions) no Loss (Debt = 1 millions. This huge Debt is not free, huge Interest payment. They have to work harder, longer 20y, 30y to pay off this debt.). Scientist says this is called "Behaviours Economist". -> A Data Scientist Professor, who teaches Data Management, CANDO (Collect Data, Analyze Data, Normalize Data, Design Data, Organize Data), and *Build & Design Software* manage data, says: - That's why, as Scientist, we use Data. Without Data, people blah, blah, blah.
Behaviour Economics: Study about the effect of Emotional Intelligence, Cognitive Decision, Culture, Society, Psychology of Individuals on irrational making decision economically. It helps us measurable, understand Human Behaviour better when they react to different Economic Situation, and Economic Policy. From Behaviour Economics, we can develop Policy, design Models of Consumerism's Behaviour, Sales & Marketing Strategy in order to response to change in Policy and Market Condition. Which makes the difference between Tradition Economics and Behaviours Economics.

-> If Save for 10% Deposit take 10 years, then Save 20% Deposit take 20 years. Then Home Price goes up fast, miss home run. That's why a lot people before 2018 Buy Home with 10% deposit. Today, Stress Test requires 20% Deposit. This reduced a lot of Home Buyers because not only Home Price very high but also Deposit at least 20% very high.

-> The difference between 10% and 20% Deposit is for 10% Deposit, the lost huge money hundreds of thousands for Interest Payment, longer own Home 30y, 35y, even 40y.

-> - Home Price high because of Location not because of size big or small

-> What were you doing in 1998 - 1999? - In 1998, 1999, Salary of Professor could Buy 1 x Home 30% Deposit, OR, 2 x Home 15% each in 1 year in Toronto. Ave Home Toronto in 1998 - 99 = 219,000$, Right Time at Right Place. Today, this never happens again. Use this as a threshold Data for 20 year of Wealth. See Prof.  Cheque 20y ago

-> Can you explain why a lot people work for 10y, 20y but still nothing? - How much do you create values or Wealth in 10 year? - Why? -> - What should you do to improve?

-> The Law of Attraction says: - People no Home less likely interest in Home, less talk about Home, don't want listen to Home -> As a result, these people will never Buy Home, Own Home. - People no Home, or want to Buy Home in future, will likely want Home Price goes down. Same as, people who think money not important -> Then Money will not come to them -> Will likely they are poor.

-> Based on Data, on average, Middle Class Toronto, Vancouver are richer than Middle Class in other Canadian Cities 1/2 millions dollars.

- This Home 1.25 millions dollars in Toronto. - Deposit 20% = $250,000 you can have this home. Before you buy this million dollars home, ask this: 1) Do you have Income at least $130,000 ? 2) Are you sure you don't lost job in the next 12 years to pay big mortgage. Lost Job = Lost Home, because you have new home big mortgage at least $900,000, around $8000$ / mo. Work very hard, longer, no peace of mine, no rest. 3) If you buy the new Detached home, then rent out, then not good idea, less profits. Because Tenants don't care new home, Detach or Semi. They care cheap rent. For rental better buy Semi- Detached Home for Rent, because small mortgage, less maintenance cost, small Property Tax. More profits. 4) Bad Tenants pay no rents hard to kick them out according, and they damage your home. 5) Detached very high Property Tax at least $600 / mo, high cost maintenance, utility, big mortgage payment .. When Home Price goes down, Detached Home down a lot more than other property. For example, Toronto Housing Cooling in 2017, Detached Homes in Toronto dropped from 1.55 millions to 1.3 millions = $255,000. While Semi-Detached home dropped only $80,000. 6) Detached Home Cost more / mo, but no good Return On Investment. Price Semi-Detached return 7x times more than Home Price Detached. See Ave. - Buy expensive Detached Home doesn't get much return also cost more, because you pay more Detached Home Price for Mortgage, Property Tax / mo ... WHY? Because compared to last year, Semi-Detached Home Price up 7%, 7 x more than Detached Home up only 1.2%. Price down more often. Thus, Semi-Detached return more profit 7x than Detached, and less Mortgage, less cost Property Tax, less Home Maintenance, less Utility  - Based on Average Home Price Data, both Detached & Semi-Detached are categorized as A million dollars Home. Compared to last year, Semi-Detached Home Price up the most, up more than Detached, Town Home, Condos, in all properties. These are experiences from Detached Home Owners, or both Detached & Semi, who kindly share their experiences to you that no body wants to tell. A Data Scientist Professor, who has been research, followed Toronto Housing, since 2017, said: - Recommend buy a Detached home more profits. Better if can afford, like salary of Professor, rather buy only 1 x Detached not smart (for example, rather upgrade from Semi to Detached no smart, dumb, buy another Semi, cost a little more but worth it), buy 2 x Semi Detached Homes, with at least 20% Deposit even more profits than a Detached, and less risks, whatever ups/ downs. Currently, a 20 y Middle Class can buy at least 3 x Detached Homes with 20% deposit. Go back 20y, if you buy a Detached or 2 x Semi Detached, the 2 x semi detached would return more than 1/2 million richer than buy 1 x Detached, and less risk when market ups/ downs, easy sleep. He continues: - During Toronto Housing Cooling in 2017, we see a Detached Home dropped $300,000 ( already recovered a little more); While 2 x Semi detached dropped each only $80,000, in total = $160,000. And 1 x Detached Property Tax = 2 x Semi Property Tax. While combined value of 2 x Semi = 2.15 million dollars, Detached = 1.35 millions. In conclusion: If you owned 2 x semi detached Homes, your asset would be  $600,000 richer than 1 x Detached Home. (Update 28, Oct, 2019) NOTE: As Data Scientist, Computer Scientist, we are trained in Data Science, Data Analytics & Management. We can see something that common people can't see. CANDO = Collect Data, Analyze Data, Normalize Data, Design Data, Organize Data. For example, Using Data, rather upgrade from Semi to Detached no smart, buy another Semi much better profit, same property tax, less risky when market down. Increase asset to extra $750,000 dollars more than Detached Home. When sell home, commission, other costs, already cost a lot of money. When buy home, small cost. Semi detached Home is good for Rental Home, same square feet as detached, less cost, smaller mortgage, smaller deposit, small property tax, less Utility, maintenance -> More profit.

- This Detached Home 1.3 millions dollars in Toronto - Deposit 20% = $260,000 have this home. - Depend on Location, such as, Toronto, GTA, Suburban, Semi Detached even more expensive than Detached Home. Home Price up also depends on "Home Renovation", such as, Open Space Living Room Architecture, new good quality wood Floor, new Kitchen, expand Bath rooms, extra Bed rooms, Finished Basement completely like second floor ... This add extra at least 50,000$ to your Home. Home Owner shows a new Detached Home 1.3 millions, but real Home Ownership Value only 20% = $260K, not 1.3 millions, with 1 million Debt. People have impression they own 100% Home 1.3 millions dollars, not think about debt, but real Home Ownership Value they had only 20% = $260K. In US & Canada (in Canada before 2018 Stress Test required 20%), a Home Owner bough a Home $500,000, with 5% Deposit = $25,000. The Home Owner said :"- We buy this Home 1/2 millions dollars." .Most people have impression they own 100% of 1/2 million dollars Home. But true Ownership only 5% = only $25,000. They ignore Debt = $475,000 take 35 year paid off. - Why? Because human is greedy, think Gains ignore Lost. This called "Behaviours Economics". - The Lenders, Real Estate Agents make more money when you pay longer contract. - You lost more money for Interest Payment when have longer amortization of years pay off home. => The Home Ownership is determined by: Home Ownership = How many years you already Paid Off Mortgage (How long bought Home), and the Deposit % (5%, 10%, 20%, 30%) for that Home.   NOTE: Before 2018 need 10% = 100K. Even 5% to buy this home. The difference between 10% and 20% is = Cost extra few hundreds of thousands payment of Interest. Which means less profit, work longer pay off mortgage. People greedy. They spend 200,000$ for 20% stake to buy a million dollars home. Ownership only 20%, but think they are millionaire, own a whole 100% home, no Debt. But if people want be millionaire, then be millionaire. Welcome. - A 20y Middle Class can buy at least 3 x Detached Homes 1.35 millions dollars. - This Semi-Detached Home in Toronto sold over asking price 10% from $1,096,000 to $1,217,500 less than Detached Home $140,000. Recommend buy a Detached home more profits. Better if can afford, like salary of Professor, rather buy only 1 x Detached not smart (for example, rather upgrade from Semi to Detached no smart, dumb, buy another Semi. Cost more but worth it.), buy 2 x Semi Detached Homes, with at least 20% Deposit even more profits than a Detached, and less risks, whatever ups/ downs. Currently, a 20 y Middle Class can buy at least 3 x Detached Homes with 20% deposit. When housing is very hot, all properties Detached, Semi, Town Home, Condos are up but Detached up % more, like in spring 2017. But when property not hot, people and Gov Policy look for Affordable Housing. Then Semi-Detached, tends up % more, like this year, Semi up 7% 6x times more than Detached up only 1.2%. When Housing down, cooling Detached down a lot more few hundreds of thousands dollars ($300,000 detached vs. 80,000$ semi in recently cooling after peak in 2017 ) than any properties. At the present, Detached still lost around $200,000. People are willing to pay more for Semi, like this Semi home = $1.218 millions, only less  $140,000 than Detached home = 1.36 millions. In general, Detached when Housing hot, Up -> It is % Up more like in 2017. Same as, when Housing down, more affordable, Detached down a lot more, few hundreds of thousands dollars than other properties, and price longer recovery. During Toronto Housing Cooling after peak in 2017, Condos did not down its Price (or down very small less 1%, while Detached Price down around 15% - 20%), Detached down the most around $300,000. Any time, you can upgrade semi to detached. A 20y middle class can buy at least 3 x Detached satisfy Stress Test 20% Deposit. => Said a Canadian Data Scientist, who followed every month Toronto Housing since 2017.  Can you list for sales your Home 1$? - Yes. To invite bidding, draw attention, bring people come see your home, you could list your home price lower, even 1$, like auction. It happened at Birchcliffe-Cliffside, Toronto. Listed for $1 for 11 days – sold for $1,040,000. Success! This case has been learned by a lot Sellers. But usually, list lower from 10% -> 15% value of your home, not 1$. => A 20y Middle Class Home Owner = 2 x times Middle Income 65K combined can afford Home in Toronto. - But, A 20y Middle Class better, not afraid of losing Home. While the 2 x 65 K middle income combined lost home any time. Grade 5 can prove. Can you?

-> Both Home Detached and Semi Detached Home Price in Toronto categorized as A million dollars Home. Detached Home more expensive but Property Tax 2 x times more than Semi-Detached home. Semi Detached Home Property Tax = 250$ / mo, 299$ / mo, Detached Home = 600$ / month. When Home Price goes down, Detached Home down a lot more than other property, specially Homes in downtown Toronto. For example, Toronto Housing Cooling in 2017, Detached Homes in Toronto dropped from 1.55 millions to 1.3 millions = $255,000. While Semi-Detached home dropped around $80,000.

A Data Scientist, who followed closely monthly every month Toronto Housing Data, its Trend since 2017, has Relatives own Detached Home. He said: "- When Housing hot very on Demand like in 2017, Detached Home Price up fast around 1.56 millions dollars, jumped up fast & big. But when Housing not hot, people are looking for "More Affordable Housing", Detached Home less hot, less Demand, then its Price goes down fast & big, Greed & Fear. In 2017, Toronto Housing began cooling, Detached Home dropped from 1.56 millions to 1.25 millions. It went down fast and big from $200,000 -> $300,000. Today, Detached Home = 1.36 millions, has recovered its price a little bit. While Semi-Detached went down around $80,000.  When people looking for "Affordable Housing" Home Price more affordable, Semi-Detached becomes more popular, seems performed better than Detached Home too expensive, big Mortgage, high Property Tax, more risks than semi-detached Home. Semi-Detached Home Price this year up 7%, return 7 x times ROI than Detached Home.    => Can Detached Home comes back to its peak in 2017 = 1.56 millions dollars? Not sure, now people are looking for Affordable Housing. NDP (New Democratic Party) is calling for to increase Supply 500,000 homes built, 15% Tax on Foreigner Buyers. Which could put Home Price goes down alot, worry Middle Class in Toronto, GTA. While Liberals only 1% Tax on Foreign Buyer's vacant Home + 10% Financing Support of Mortgage toward value of their Home, help first time Home Buyers, increase financing support for Home Price from 480,000$ -> near 800,000$. A Home $425,000 save 239$ / mo, Home $800,000 save 500$ / mo on Mortgage payment / mo. Boost more Demand for Home. No NDP politician has been elected in Toronto, GTA in Canada Election Oct 21, 2019. NDP dropped to 4th places from 39 to 24 seats, lost 15 seats. NDP no gain any seat in Toronto, GTA. Vaughn, Markham went to Conservative. The rest Toronto, GTA's seats went to Liberals. It is Toronto, GTA saved red Liberals. "

Some main Housing Policies promised in Election Oct, 2019: NDP: - Increase Supply 500,000 new Homes built + 15% Tax on Foreigner Buyers Liberals: 1% Tax on Foreign Buyers vacant home. 10% Financing Support, invest in first time Home Buyers and increase support for Home from 500,000$ -> 800,000$. Save 500$ / mo on Mortgage Payment. - Conservatives: Review Stress Test. Bring back 30 y amortization mortgage payment. Not required 20% deposit, 25 y amortization, like Stress Test now.

Click Millionaire Households Rank in the World - Click Cost Buy home in 50 US's States in July, 2019. - Salary needed to Buy Home in 20 major US Cities. Click.
NOTE: Today the average Home price in US is $226,800 according to US Business Insider, different depends on different States. In Toronto, Income around 140,000$ can afford a million dollars Home.

=> As Scientist, we use Data. Without Data people blah, blah like Grade 5.


- Toronto, 9.5 millions population = City of Toronto, 3 millions population ( Its Municipality = North York (see Notes from North York Real Estate), Etobicoke, East York, core Downtown Toronto. (416) Phone code ) + GTA ( Greater Area Toronto = Vaughan, Markham, Richmond Hill, Brampton, Peel, Mississauga, Scarborough, Oakville,  ...), 6.5 millions people.
Just like any big City like New York City, Tokyo in the world, Toronto has its City, which is, core City or City of the City, which is City of Toronto. In the City of Toronto has its municipality like North York... and Downtown Toronto, where big Banks, Financial Institutions, Stock Market, Gov Agencies. And Toronto also includes Districts (GTA) around.
For example, New York City, 8.6 millions population, consists of five Districts, each of which is a separate county of the State of New York. The five Districts – Brooklyn, Queens, Manhattan main core city, City of city New York City, like City of Toronto, The Bronx, and Staten Island – were consolidated into a single city in 1898
- GTA  has 4 Regions. York Regions includes: Aurora, East Gwillimbury, Georgina, King, Whitchurch-Stouffville, big District ones = Markham, Newmarket, Richmond Hill, Vaughan in York Region. Peel Region includes: Brampton, Mississauga, Caledon. Halton Region includes: Oakville, Milton, Burlington. - North York not in any GTA's Regions, but in City of Toronto. See notes from North York Real Estate.

Update: Oct 10, 2019. A Story: From Factory to A Canadian Scientist Professor, Millionaire, 20y in Middle Class I started at 18 in Toronto Life alone, no money, no degree, no family, self-sufficient, no privilege, no thing, overcame biases, adversities, obstacles, difficulties. I worked to make ends meet in low end job Factory for a while. I came from middle class family. My father was Gold Producer. Then lost all. I didn't get used to this kind of work before. Today, you don't see Canadian born working in Factory either. It's hard work, less pay. In 90s, my factory's pay cheque after paid Income Tax, I had 750$ left for Rent (= 200$), Car, Gas (=100$), Car Insurance (= 99$), and all Life Expensive, such as, Food & Grocery ($300 / mo, around 10$ / day), not count Restaurant, Eat-out, Drink like Coffee, Phone, Internet, TV, other Bills, forget Vacation (= many not count, Car Loan if new car). => As you see, hardly survival, I managed, had $50.0/ mo left for saving. "-> Doesn't Matter How Hard You  Work, You Try -> Hard to Buy Home In Toronto, even Home so cheap in 98-99 if Work in Factory or Minimum wage Jobs. ", like no other choice. => Then I tried very hard to advance my career. Then I started career as Prof in 1998. Which has changed my life for ever, from Factory to Scientist Professor. => My first cycle of life 20y ago 1998-99 -> 2019, I started career early as Prof, on Top at Right Time & Right Place Toronto. Get in Middle Class early. No waiting for Interest, Home Price  ups/ downs. Advise. In 1998-1999, ave Home around 219,000$. Salary of Professor 50$/hr, Teacher 11$ / hr, Engineer, Software Engineer 12$ / hr, Minimum wage, Restaurant server, Factory Worker 5.50$ / hr. In 1998-1999, Salary of Professor can Buy Home in 1 year with 30% Deposit, or 2 x Homes 15%, in 98-99, ave $219,000, easy, cheap, no Stress Test. Although Home was cheap, however, Interest Rate very high around 6.5%. Today is 1.75% not changed since Oct, 2018. People were not interested in Buy Home, Home not hot 20 years ago. Lack of knowledge and couldn't foresee the grow of Toronto Housing. 1) Interest Rate was very high, needs good income 2) lack of knowledge about Home can't foresee the growth 3) Small Immigrant Population in Toronto, immigrant population 20y ago around 40%, today around 52% (latest from Statistic Canada or Gov's StatCan) in Toronto, GTA 4) Toronto & GTA population growth. Which are main reasons why Home not hot 20y ago. NOTE: - 2016 Gov Statistic, 3 years ago. In Toronto, 48.1% were admitted under the economic category (today after 2016, higher around 60%), 32.5% sponsored by family, 17.8% landed refugees, 1.6% in other immigration categories. => What were you doing 20 years ago? - 20y ago, I already started my career as Professor. What I have done in past 20 years is Try hard, Work hard & Reward, lucky live at Right Place in Toronto not other places, other cities, and Started high-end top career as Professor at Right Time 20 year ago in 1998. I still continue working hard to the next 20y. See Full time Prof has minimum hour from 28 hr -> 40 hr / week. Cheque 20y ago.-> in 1998, money very different value with money in 2019. NOTE: In 20y 1998-2019, Toronto Home Price jumped from 200,000s -> 800,000s = 4x. Then value of money in correlation to Home is valued 4x (in compared to Home if you used that money Buy Home) then 20y ago salary of Professor in today money around 250,000$ -> 300,000$, ave Toronto Home Price today $800,000s. All is about Data. We give you a lot of  Data. This my pay cheque minimum 28 hr. As Full time Prof, Sometimes I worked more 35 hr, 40hr depends on each semester.   From Factory to .. Started my career as Professor in 1998. Take 20 years Work hard and Reward, a lot Saving, while people travel (most expensive spending) every year, spent all saving of that year. No Drink, No Smoke. Then become a Canadian Scientist and Professor, a Millionaire. If 20y ago I did not try harder advanced career @ right Time & right Place, today I am bottom line. Toronto, biggest city of Canada, like your big City, any big Cities in the world, is tough not easy. Just like other big Cities, there are people live here many generations still in poverty, high gap between Rich & Poor. More Economics Immigrants settle in Toronto. Toronto is Canada Financial Center, home of rich millionaire. 50% of 4.5% Canadian millionaire population live in Toronto. Canada rank 2nd with 4.5% millionaires population after US, above German 3.2%, Japan 2.7%, S. Korean 1.8%, Hong Kong 3.5%. Japan has lowest population in poverty only 5.3% in G7, Canada 20.7%, US 28.4%. Millions of people leave their home town to make big dream in big city. Unlike other big cities, Toronto is tough, all kind of people in the world, multi-culture more than 100 countries, complicated, competitive, not easy. You will not see people as same homogeneous as you around neighbours, in school, at work, in office. Toronto, 9.6 millions people more than New York city 8.6 million, has advantage that you live, work with hard working, different backgrounds, diverse people. Immigrants come to Canada, not just refugees. They are Economic & Skill Immigrants from Indian, China, hard working. Like playing Olympic Games Competition, not Local Games. In few words: - This Story is about a person who started life in Toronto alone, poor, no degree, no privilege, overcame biases, adversities, obstacles, difficulties to make a better life. In hope this story encourages people, who want better life, improve poverty, who leave home town to make big dream in big city like Toronto. And some advices. I Cut spending, no Smoking, no Drinking, less Travel, try harder, work harder. All is about location. Millions of people around the world leave their home town, city, move to live in biggest City. Dream big -> Be a millionaire. Worry people, who can't with small dream, will not like you, bias, jealous you. Then you never will, you shy away. 50% Canadian millionaires live in Toronto. Live in big City-> Start Saving -> Buy Home, Condos. -> Salary helps you make ends meet. But Property helps you rich, millionaire. People poor, bottom, hard life, because they don't use Data, not think smart. They waste time, not worth it. => I still continue working hard next 20 years, contributing to society, paying taxes. Toronto, 9.6 millions people, is Home of a lot rich middle class top in any cities in the world since Canada rank 2nd of millionaires population in the world. 50% of Canadian millionaires live in Toronto. They still work hard, make ends meet, have debt like me. No difference. If I can do it, so do you. Thanks Toronto, Canada.

TREB CEO John DiMichele said: “The GTA’s strong economy, cultural diversity and internationally recognized quality of life continues to attract newcomers to the region each year. However, our housing supply has not kept up with population growth, which has led to pent-up housing demand.” Financial Post: " Canadian home sales outlook hiked as prices rack up biggest gains in two years. Lower mortgage rates and home prices are bringing buyers back" ------- ------------- Homes in Toronto are sold over asking price. Why Home Sales & Price in Toronto Up? Usually, initial, Sellers post low price to attract Buyers. Because competition between Buyers has increased. According to Financial Post. Here are few main reasons: 1) Interest Rate either goes down or stay the same for a while. Happen in US, Canada. Thus Mortgage Rate will be lower. 2) Home Price recently has gone down, more attractive to Buyers. 3) Supple/ Demand, Housing Supply has not kept up with Demand of population increased, of new Immigrants around 100 thousands come to Toronto each year. --------- Salary Needed Buy Home in Toronto is 130K. In 1998-1999, Salary of Professor can Buy Buy Home in 1y 30% deposit, or 2 x Homes 15%, in 98-99, ave $219,000, easy, cheap, no Stress Test. People don't want Home. Home not hot. Not interest. Lack knowledge, people can't foresee. -> Today Prof Salary over 100K takes 13y Buy Home 20% deposit. Ave Detached 1.3 m, Semi 1.1 millions. Salary required *Have* Home (Buy Home Deposit, Pay Mortgage, Property Tax) in Toronto = 130K. => A 20y Middle Class Home Owner = 2 x times Middle Income 65K combined can afford Home in Toronto. - But, A 20y Middle Class better, not afraid of losing Home. While the 2 x 65 K middle income combined lost home any time. Gr5 can prove. Can you? A Scientist Professor said:- That's why we use data. No Data people blah, blah, and blah like Grade 5. A Story: - I know a lot of typical family in Toronto, the husband, wife and 2 children. Wife works minimum wage 14$ /hr x 160hr x 12 = 26880$. The Husband's Salary a little bit better than the wife. They rent a whole house 3 bed-room, furnish basement, paid 2400$ / mo not include utility. Include Utility = 2700$ / mo. Not afford home in Toronto or Buy Home 10% Deposit after 25y working. NOTE: The difference between this Family combined Salary and the Professor is that the Professor 20y ago in 1998 started career with 50$ / hr. With Professor Salary in 1998, could Buy Home 30% Deposit or 2 x Home 15% each in 1 year. - While the husband working 20y from low wage 5.50$ -> 21$ staying same company. If change company, start from scratch, not get that 21$. Today 2019, both salary combined around 35$ / hr = 67,200$. By the time they had enough Saving for the Home, take them 13 -> 15 years of Saving -> Then Home Price in Toronto increased fast. Thus easily miss Buy Home. Or Buy Home with 10% Deposit 13y later. A Story: - I know a lot of people in Toronto. One person, he worked on/off in many Factory since 90s, started 5.50 $ / hr. Today, his salary around 16$ - 17$/ hr while minimum wage in Ont, Toronto = 14$ / hr. Highest in Industrialized Countries G7, like Japan, US, UK ... After 20 year of continuous working, he has Cash Saving & RRSP around 50K + A car.  He bought new Car around 35K, today valued around 15K. So after 20y, Total Value he creates around = 50K + 15K + 25K misc = 90K. On ave 50K / 10y, 5K / year, 500$ / month of Saving after paid all living expensive, tax. A middle class Toronto says:- Thank you very much. I just Buy Home in Toronto. If I read your Blog 20y ago, I would be millionaire now. Using Data, and real life of more than 20y as Middle Class Toronto, and as Prof, you help us understand more about Home than any sources. Another middle class Toronto says:- Thank you. Dream big, rich people talk about Home. Dream small, common people talk about Cash, Car, Jewellery. The Law of Attraction says: - If you think Home not important, not to know about Home. Then very likely you never own Home, nothing. Very true. It is like Money, if you think money not important, then money will not come to you. You will not Work hard, not Save, not Try hard for money. Then become poor.

=> What were you doing in 1998?
- In 1998, as a Canadian, I was already started my career working as Professor in Toronto Middle Class 20y ago, top Salary 50$ / hr, Teacher 11$ /hr, Soft Eng 12$ / hr, Restaurant Server, Factory Worker 5.50$/ hr. If I started working in 1998 as Teacher or Soft. Engineer, It would take extra 10 years of Saving, in 2008 -09, then Toronto Home Price already double from $200s in 1988-89 -> $400s in 2008-09. I could miss it. Or Buy Home with small deposit like 10%.
=> 20 years ago, there were a lot PhDs driving Taxi. New comers face barriers, no privileges, biases, jealousies, lack of opportunities. Factory is a common place they make ends meets.
=> As Data Scientist, myself as a Professor teaching Data Science, by just asking "- When you started your Career? - What Did you do when starting your Career in that year ?", we can analyze Data if you could Buy Home or Condos, How Much Deposit? Buy Multi-Homes, by looking at Ave Home Price, Salary, Living Expensive, Tax ....
- In middle income around $55,000 salary like Teacher, Engineer, Scientist will take at least 18 years for Saving a Deposit Buy Home since the Date they started their career, not including on/ off job.
- Today Home Price high, it takes salary of a full-time Prof over $100,000 Saving 12 years for 20% Deposit = $200,000 to Buy 1 million dollars Home in Toronto satisfied Stress Test 20%. Data collected by a Prof from among Profs, and analyze Data by looking at: Ave Home Price, high Income Tax, Living Expensive, today Rate from 80$ / h -> 120$ / h. See Prof.  Cheque 20y ago, when just get started his career.

Case Study - Who Can Buy Home in Toronto. - Currently, to buy Home in Toronto, need salary of 140,000$
So 12y ago or 2006, if started career as a Professor, salary over $100,000, you have better chance to Buy Home with 20% Deposit or more, because need at least 12y Saving Buy Home, and in 2019, ave Home = $920,000 -> A Prof teaches Data Analyst said. - From this, you can figure out who can Buy Home or Condos in Toronto. This case study is about one person just started life from 0. No help, no borrow, no inherited, no partnership with anyone. Just one person started life 0.
NOTE: Why 12 years? Given today Home Price, it takes salary of Professor Ave = over $100,000, 12 years for Saving $200,000 to buy a millions dollars Home with 20% Deposit. So in order to Buy Home, the Professor must save first in 12 years ahead, which is 2006. What about it is a Scientist, Engineer, Teacher, other Professionals? -> You figure out use Grade 5. We use Professor because they have the most highest salary in Professionals, much more than Engineer, Teacher, Scientist. And we got Data directly from them. The Scientist collects Data also a Professor, and have a lot friends also Professors. High Income Tax takes away high Income, then Rent.
-> So if a person said Buy Home or Condos in Toronto, you can Analyze Data (Data Analyst) is it true or not?
-> For example, a Teacher salary $50,000 started career in 2008 or after graduated in 2006, he/ she will have hard time Buy Home in Toronto given Professor started career in 2006 Buy Home 20% Deposit satisfy Stress Test. Today, salary required to Buy Home where Ave Home Price above 1 million dollars is $140,000.
- Salary needed to buy Home in 20 major US Cities. Click. For example, Los Angeles's Ave Home Price = $422,100, rank #3 in US, salary needed Buy Home is $98,500.

=> A Scientist Professor who Build & Design Software Analyze Data, not just school paper, reading, repeating materials, and also Teach Data Science, Data Analyst, said: - CANDO = Collect Data, Analyze Data, Normalize Data (what is it?), Design Data, Organize Data. No Data like blah, blah Grade 5.

Home in Toronto (not other places) makes you become rich, millionaire not Salary
-> Takes 50 - 60 years for a Professor salary Ave over $100,000 becomes millionaire.
90% people think salary make you rich. Wrong, because they don't use Data. Let's use Professor whose salary Ave over $100,000, the most highest compare to other Professionals
Use data, we know that it takes a Professor 12 years for Saving $200,000, 6y = $100,000, after paid for Income Tax and other Deductable, Rent, Living Expensive, Car, Car Loan, Gas, Car Insurance, Insurance, Vacation, Travel, Grocery, Drink, Smoke, Coffee, Eat-out, Phone, Internet, Cable, Debt Payment, Student Loan, Miscellaneous Social Spending Fees, Clothes & Beauty, (lucky in Canada Free Hospital, Free Doctor) ..... Thus, it takes 5 x 12 y = 5 x $200,000 = 1 millions -> Takes 60 years for a Professor salary over $100,000 becomes millionaire.

=> From Data of Professor, you can figure out if some one are Teacher, Scientist, Engineer ...While take around 20 years Buy Home over 30% Deposit, or Buy Multi Homes 15% Deposit each -> Own Home -> And become millionaire. Buy Home big different with Own Home. So if you are millionaire, be proud. Not easy; It measures "Hard work & Reward". In Industrialized countries, no corruption, bribery. While people who are not, work harder, try harder, one day you will be. In Canada 4.8% population are millionaires, Japan 2.7%, German 3.3%. Big corporations like Facebook, Google, there are top 5% of their Management, who are millionaires.

- A 20y Middle Class use their 1st Home, can buy at least 4 x a million dollars Home with 20% Deposit. Satisfy Stress Test requirement Deposit at least 20%.

How Much Should Deposit Your Home?
For example, Buy Home Deposit 10% vs. 20%, 25%. How Much Cost different in Interest Payment between 10% vs. 20% is hundreds of thousands of dollars? How long Pay off Home?
Here is the answer: Let's say you borrow 1000$, you pay: