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Government sitting idly by as home prices quadruple or more, rents rising just as quickly. We’re witnessing the end of housing in Canada and the government can’t so much as release a statement of concern.–Article text below: (link)As home prices skyrocket in picturesque Penticton, B.C., its city council voted this month to shut down an emergency homeless shelter. This decision led to the mayor butting heads with the province of B.C.’s Minister of Housing David Eby, who has vowed to override their plans.If the two sides can’t reach an agreement, 42 shelter residents could end up on the streets.With its lakes, wineries, mountain trails and hundred-plus days of sunshine a year, the area has become a popular relocation destination for urbanites who can now work from anywhere. Penticton is the biggest city in the South Okanagan region, mostly made up of small towns, which saw the biggest growth out of all housing markets in the province with over $1 billion in sales last year.Across Canada, the pandemic has led to a boom in home sales as well as rising rents in small and medium-sized cities, as those with the ability to work from home are seeking more space and a quieter pace of life.Experts warn this means that less fortunate Canadians will struggle to cover their expenses, and become at risk of experiencing homelessness at a time of precarious job security.The sudden housing price spikes are affecting cities that have been much more affordable than Vancouver and Toronto, which are the second and fifth most unaffordable cities in the world — but that gap is closing.In Waterloo and Barrie in Ontario, year-on-year housing prices rose by a whopping 32 and 34 per cent respectively. In the Fraser Valley of B.C., which has the most intensive collection of farmland in Canada, housing costs increased by 25 per cent.In Alberta, there was an overall jump of nearly 40 per cent in home prices. The city of Chilliwack, B.C., which may be best known for its corn production, saw home resale prices surge from a $110,409 average in October 2019 to nearly $620,000 by late 2020.“I think everyone from (mortgage providers) to me personally were very surprised to see rapid acceleration in home prices nationally during a pandemic,” Eby told the Star. “It made more intuitive sense that when you shut down the economy, people would lose jobs and have to sell homes under duress and prices would go down.“But we saw the complete opposite.”Eby says Penticton Mayor John Vassilaki hung up the phone on him after doubling down on the city council’s decision to deny a BC Housing-funded shelter an extension of its lease in a converted church near the city’s downtown.But Vassilaki accuses Eby of being a “bully” and explained the city wants the Crown corporation to build permanent housing, with full-time “wraparound” support for people who require additional help such as addictions treatment or mental-health services.The mayor also expressed his concern that maintaining shelter beds would attract more homeless to the city, and the city just isn’t equipped to support many people with complex needs.“You know what they say, ‘Build it and they will come.’ The more we house that population, the more will come. They know the facilities they require for housing and food and all that is here and given to them free of charge and that’s the reason they’re coming,” he told the Star.However, that statement was contradicted by the city’s own social development specialist, who said part of his job involves tackling stigma and misconceptions about poverty in the community. The city had hired Adam Goodwin a year ago to work on emergency services as well as address social issues related to divides between the “haves and the have-nots,” said Vassilaki.“We tell the public that 50 per cent of (the estimated 120) people experiencing homelessness have lived in the community for 10 or more years, and 30 per cent have lived in Penticton for at least one year,” Goodwin told the Star.However, he agrees with the mayor that the best way to reduce homelessness is to have a “system of care” where individuals can be supported where shelters are only a temporary step in their journey of supported recovery.The issue has been deeply divisive for city residents, who have been debating vociferously in recent weeks on a 23,000-member Facebook group. Vassilaki recently drew ire for a Tuesday statement at a city council meeting that residents said was deeply stigmatizing.“Maybe they can get rid of their addictions and mental-health issues and make them somewhat normal,” he said, instead of having others “help them all the time.” At that meeting, city council also voted unanimously to maintain their position to deny the extension of the homeless shelter past March 31.The controversy in Penticton is just one indication of how communities across Canada are struggling to cope, as reality sets in that housing crises aren’t just a big-city phenomenon, says Penny Gurstein, a UBC professor specializing in socio-cultural aspects of community planning.Gurstein says homelessness has been rising across Canada for a while, but during the pandemic, the “hidden homeless” such as those who had been living on friend’s couches are becoming more visible to the wider public. Meanwhile, there is a clear trend of people leaving bigger cities to settle in smaller communities.It is too early to draw precise conclusions on how the ongoing pandemic will affect homelessness rates outside of metropolitan areas. But Gurstein is concerned that hot housing markets are motivating landlords who previously offered rentals to put their homes up for sale, instead.“In some places, we are losing rentals at a shocking rate. Municipalities and the provincial and federal government need to be building purpose-built rentals, but we’ve lost so much it’s hard to catch up,” she said.“Bring in other precipitating factors, such as the opiate crisis, and there’s just a large mix of things going on that’s creating the homelessness crisis,” she said.An August 2020 survey suggested the number of Canadians who had experienced homelessness in their lives is higher than previously reported. The survey, commissioned by the Canadian Alliance to End Homelessness and conducted by Nanos Research, found that five per cent of Canadians have been homeless themselves, while another 31 per cent knew someone who has been homeless.Eby says B.C. is working to collect data to inform new policies. He plans to work with city governments to open complex-care housing to support vulnerable people, such as those with complex health, mental health and substance use issues.The rapid spikes in housing costs in smaller towns and cities have been challenging even for people in dual-income households and stable jobs.Will Green, 34, had grown up in the South Okanagan area at a time when humble cottages, and not mansions, dotted lakefront properties.In 2016, as an architecture graduate making a modest salary, he was able to find a comfortable two-bedroom rental in Penticton for $900/month. Last June, when he returned to Penticton in the middle of the pandemic, he and his fiancé were shocked at how the rental market had changed. The only apartment they saw that offered a small office space and a bedroom for future children went for around $2,500/month. Luckily, they found a better-value rental from a relative.But Green says business has been going well. When he left his job in Vancouver to start up his own architecture firm in the Okanagan he was expecting a slow start, but his phone has been ringing steadily with calls from people requesting designs for custom luxury homes. Most are out-of-towners from big cities including Toronto.“They are looking to retire or they enjoyed the lifestyle of living here during the pandemic and now want to stay for good,” Green said. via /r/canadahousing https://ift.tt/38Z595P

This isn’t a “Toronto and Vancouver problem” anymore. One small town saw home prices surge from $110K in 2019 to $620K by late 2020. Overpriced housing has reached Canada’s small cities and towns.

March 21, 2021 No comments Article

Government sitting idly by as home prices quadruple or more, rents rising just as quickly. We’re witnessing the end of housing in Canada and the government can’t so much as release a statement of concern.–Article text below: (link)As home prices skyrocket in picturesque Penticton, B.C., its city council voted this month to shut down an

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I have noticed that dotnet community seems default to a lot of complexity for their software.I see a lot questions often by beginners about clean architecture, domain and persistence layers, repositories + UoW patterns, dtos, mapping code between domain, persistence & dto layers, mapping code & keeping change tracking by introducing diff libaries etc More so than any other community.Why is this? When you search online as a beginner these are often the first articles that appear. Often by consultants or thought leaders trying to build a brand. Keep that in mind. I’ve turned up at companies where their simple CRUD app has UoW+Repositories, Clean architecture and various mapping layers. Clearly people have read tutorials & tried to blindly apply them.Simple pieces of software end up with 6 projects, 70 files, most of the code is about mapping between different layers rather than application logic. Are people being paid by the line? This is often for simple domains with low to medium levels business logic complexity. In these cases technical complexity has exceeded the business logic complexity and harmed maintainability.I would like to highlight the most important architecture concern is the ability to add in complexity incrementally as you need it. The best piece of code, is code that you didn’t write or have to maintain.For example do you need a dto, when the original object and dto are the same shape? Not at first. When do you add it? When they deviate or your app is starting to grow and you foresee difficulty in the future unless you add it now. Normally when a significant amount of files start referencing it. Do you need a rich domain model at first? No. When do you add it? When transaction scripts start duplicating logic & your app is starting to grow. Most of these patterns fix certain problems, apply them when the problem appears.For small & medium size apps you rarely get to this point. So you never needed the dto and mapping layer. Mapping layers increase the risk of insidious bugs being produced. People resort to Automapper to fight boiler plate, which wasn’t required in the first place. Then automapper converts compile time issues into runtime issues, which you require a decent set of tests to cover. Those tests are unneeded technical complexity, you will now have to maintain. Ending up with a mapping layer, extra objects and a whole bunch of tests which you didn’t need with extra risk around mapping issues introduced.Personally I avoid auto mapper, because at the point your writing a decent set of tests against mapping code, I’d rather just write the mapping code manually and get compile time guarantees and a smaller set of tests.I would like to stress the importance of cutting back on accidental technical complexity, until you need it. Experienced people try to cut back on complexity until it is required. We have to highlight this to beginners and bring it in as the default view in the community. Always question the need for complexity, and only add it in when it is justified. Software design is full of trade offs and their isn’t a “correct” way, and being a good designer is balancing these trade offs and adjusting as you go. via /r/dotnet https://ift.tt/2NDjWvC

Architecture complexity in the dotnet community & Our duty to beginners

March 20, 2021 No comments Article

I have noticed that dotnet community seems default to a lot of complexity for their software.I see a lot questions often by beginners about clean architecture, domain and persistence layers, repositories + UoW patterns, dtos, mapping code between domain, persistence & dto layers, mapping code & keeping change tracking by introducing diff libaries etc More

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[Edit]: Sit tight while I reformat this. Reddit isn’t being nice this morning.Learn to calculate expenses over at least 5 yearsExamples:$500k Mortgage 5 year fixed rate mortgage with 25 years amortization, accelerated by-weekly payments: – 1.79% = $826.77 – 1.60% = 808.8 You’re thinking, $17.97 difference, that’s trivial. But, that’s over 130 payments which is $2336.10 and I know you’d rather have that in your pocket than the bank’s!Cell Phone Plans: – 15GB/mo All inclusive for $65/mo – $10GB/mo All inclusive for $50/moThat’s a $15/mo difference, $16.95 after you add 13% tax. Over 60 months this means $1017. I know contracts usually run 24 months but you’re more likely to stay at the same price or higher unless you’re relentless about calling them for discounts.Netflix – $9.99 vs. $14.99 vs $18.99. – Over 5 years this is $599.40 vs. $899.40 vs. $1139.40 so you pay an extra $300 to $540. If you don’t need the top tier, don’t pay for it.Starbucks Coffee Daily for Two (Grande/Medium)(You’ve seen this one before!) – $5.99, taxes in. Let’s take 252 work days minus 20 for vacation etc, leaving you with 232 x $5.99 x 5 years = $6948.40 ~Holy Shit!~ – $8.93 for two Venti Americanos = $10358.80 – $10.74 for two Grande Cappuccinos = $12458.40If Starbucks was selling $12458.80, five year memberships, for two Cappuccinos every week day, would you sign up? What if they told you it’s only $207.65 a month?Now let’s compare it to the expensive gourmet shit by the pound. – Sumatra Mandheling, 1lb $13.46 per week, NO TAX.This is considered groceries. – A pot of coffee is a bit larger than two grande from Starbucks. – $13.46 x 52 weeks x 5 years = $3499.60I’m as much a creature of comfort as the next guy/gal. It’s okay to spend $12.4k on coffee if that’s the shit you love and it makes you happy. This is just one tool to add to your toolbox. via /r/PersonalFinanceCanada https://ift.tt/3tBAQdq

Learn to look at the real cost of what you’re buying.

March 19, 2021 No comments Article

[Edit]: Sit tight while I reformat this. Reddit isn’t being nice this morning.Learn to calculate expenses over at least 5 yearsExamples:$500k Mortgage 5 year fixed rate mortgage with 25 years amortization, accelerated by-weekly payments: – 1.79% = $826.77 – 1.60% = 808.8 You’re thinking, $17.97 difference, that’s trivial. But, that’s over 130 payments which is

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I’m fairly new to C#, but not new to programming. I’m trying to wrap my head around Identity, Authentication, and Authorization as I try to set up a custom auth provider in an ASP.NET Core project I’m working on (for work). Can anyone point me to a decent guide to walk me through it?The Security and Identity overview on Microsoft’s site is getting a bit overwhelming, especially when I start tackling all the sub-projects in https://ift.tt/2uuTZV1. As someone else pointed out on the C# Discord server, that’s the actual source for ASP.NET but it’s also where Microsoft’s docs point you while basically saying “look for ways to implement here” for example.I could really use a gentler, but comprehensive, guide. via /r/learncsharp https://ift.tt/30QiokH

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Just wanted to give a shout out to u/coast-to-coast88 for posting this a while back.Unbeknownst to me I’d already completed step 1 back in December 2020 by blending and extending my then 3.14% rate down to a 2.76% rate with Scotia. Had 3.5yrs remaining on the 3.14% at the time and cost to break was like $27k.After reading that post and associated article I jumped on to an application with Tangerine (where I bank anyway) right away. Long story short I’ve just finished switching from my blended 5yr 2.76% to a 1.69% 5yr fixed with Tangerine. Plus HELOC went from 2.95% to 2.35%. Tangerine also kicked in an extra $1750 to cover lawyer fees and appraisal. Break fee amounted to $2800 plus $250 discharge fee.That’s a net saving to me of over $18000 over 5 yrs.And as an aside, throughout both rate reductions we’ve kept our payment the same accelerated b/w amount that we were originally paying on the 3.14% term. Resulting in about $25k less owing after 5yrs than had I done nothing and just kept the 3.14%. via /r/PersonalFinanceCanada https://ift.tt/3cCTivj

Thank you to u/coast-to-coast88 for saving me $18k

March 17, 2021 No comments Article

Just wanted to give a shout out to u/coast-to-coast88 for posting this a while back.Unbeknownst to me I’d already completed step 1 back in December 2020 by blending and extending my then 3.14% rate down to a 2.76% rate with Scotia. Had 3.5yrs remaining on the 3.14% at the time and cost to break was

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I am in Canada. I transferred $13000 from a RRSP account from Manulife to Questrade in September of 2020. I wanted an electronic transfer but was told a physical cheque in the mail was the only option. The funds never showed up and finding out what happened has been like pulling teeth. Manulife told me that they could see the cheque had indeed been cashed by Questrade, and Questrade could not find it. I have been going back and forth between them and even when Questrade contacted Manulife directly, they just basically went “well we sent the funds already” and closed the ticket. I kept harassing them and eventually they investigated.Now, six months since the transfer initiated, Manulife has finally determined that the cheque was intercepted by some random lady in Toronto and fraudulently cashed on Nov 16, 2020. They are saying that they will have to see with the bank “if my funds can even be recovered” and it will take two more weeks. Do I have recourse? Can I demand Manulife resend the full amount plus 9.6% (the amount the S&P500 has gone up since the cheque was cashed)The icing on the cake – if the funds are recovered, they gave me the option of a currier cheque or a wire transfer… so they can do it more safely, they just didn’t want to.Tldr: Manulife transferred my RRSP to Questrade by cheque in the mail and has cost me 6 months of time in the market because the cheque was stolen via /r/PersonalFinanceCanada https://ift.tt/3llk92M

My RRSP transfer from Manulife to Questrade was stolen

March 16, 2021 No comments Article

I am in Canada. I transferred $13000 from a RRSP account from Manulife to Questrade in September of 2020. I wanted an electronic transfer but was told a physical cheque in the mail was the only option. The funds never showed up and finding out what happened has been like pulling teeth. Manulife told me

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I am in Canada. I transferred $13000 from a RRSP account from Manulife to Questrade in September of 2020. I wanted an electronic transfer but was told a physical cheque in the mail was the only option. The funds never showed up and finding out what happened has been like pulling teeth. Manulife told me that they could see the cheque had indeed been cashed by Questrade, and Questrade could not find it. I have been going back and forth between them and even when Questrade contacted Manulife directly, they just basically went “well we sent the funds already” and closed the ticket. I kept harassing them and eventually they investigated.Now, six months since the transfer initiated, Manulife has finally determined that the cheque was intercepted by some random lady in Toronto and fraudulently cashed on Nov 16, 2020. They are saying that they will have to see with the bank “if my funds can even be recovered” and it will take two more weeks. Do I have recourse? Can I demand Manulife resend the full amount plus 9.6% (the amount the S&P500 has gone up since the cheque was cashed)The icing on the cake – if the funds are recovered, they gave me the option of a currier cheque or a wire transfer… so they can do it more safely, they just didn’t want to.Tldr: Manulife transferred my RRSP to Questrade by cheque in the mail and has cost me 6 months of time in the market because the cheque was stolen via /r/PersonalFinanceCanada https://ift.tt/3llk92M

My RRSP transfer from Manulife to Questrade was stolen

March 16, 2021 No comments Article

I am in Canada. I transferred $13000 from a RRSP account from Manulife to Questrade in September of 2020. I wanted an electronic transfer but was told a physical cheque in the mail was the only option. The funds never showed up and finding out what happened has been like pulling teeth. Manulife told me

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A survey with over 200 responses reveals why product research is broken and how we can fix it.At buyforlife, we want to solve the biggest pains when researching a product before a purchasing decision. To focus on the right features in the future, we launched a BIFL survey.We analyzed the results and discovered some interesting findings. As we posted the survey here on Reddit, it might be a bit biased towards this platform.How people are doing product researchThe amount of time we are investing in product research is mostly dependent on the price of the product we are planning to buy:88% of the consumers check user reviews before making a purchase. This is a major opportunity for businesses to get their products in front of customers before they make a purchase.When buying a product that costs less than $100, people spend a few hours doing research**.**When buying a product that costs more than $300, people spend a few days doing research.Where do people find new products?There are no real surprises about where people are finding new products. Like most people, they’re going to be looking to Google, friends, family, Amazon, Reddit, retail stores, and ads and social media.GoogleFriends-/Familiy RecommendationsAmazonRedditRetail stores/Online shopsAds and Social MediaWhere do people research products?On average, people visit five websites for product research before making a purchase.The top websites for product research are:RedditAmazonConsumer ReportsWirecutterYoutubeReddit is the number one website for product research due to its tight knit communities where people discuss the many different aspects of a product or product line which then leads to the discovery of an even better product. Amazon is also on top of the list due to its vast variety of products and ability to compare prices with other retail stores. If you ever wanted to read a little more hands-on and in-depth reviews, go to Consumer Reports or Wirecutter.What are the top things that people check before making a purchase?With everything from appliances to clothes, there are different things to consider before making a purchase. It’s important to look at user reviews, to see what other customers have to say about products. What are their opinions on a product? Is there anything they dislike about it?These are the top things people look for before they make a purchase:User ReviewsPrice ComparisonIn-Depth Analysis (e.g. Wirecutter)VideosWarrantyEnvironmental Impact/SustainabilityRepair Service/ Replacement PartsDiscounts/CouponsThe biggest frustrations with product researchProduct research, a necessary task for purchases, should be a breeze. Unfortunately, it’s not. There are many points of frustration, but these are the biggest ones:Fake reviewsSponsored content / AdsIt takes timeInconsistent metrics and info across sitesLack of long term use informationAvailability in my countryHow we are going to solve these issuesProduct research can be frustrating. Based on the findings, we have taken steps to improve the process and offer better service:1. Summarizing reviews to save your timeWe built a service called built a new service called reviewr.ai. It’s like having a team of people reviewing products for you and summarizing the important points. Our AI generates a brief and concise summary of all the reviews.2. Filtering out irrelevant and fake reviewsWe run statistical analyses to spot discrepancies and contradictions among reviews and filter out fake reviews.3. Aggregating reviews from all over the webWe are collecting reviews from the most trusted sources on the internet and save them in our database. By doing a sentiment analysis, we can see which products are well-liked, which are not, and which have mixed reviews. This way, you just have to visit one website instead of multiple ones.4. Tracking the longevity of productsWe recently introduced a new feature on our platform: Recurring Reviews. After every year, the reviewer will receive an automatic reminder to assess the condition of the product and if the reviewer is still happy with it. This is how we can follow the whole lifecycle of a product.Let us know what you think! Any feedback is appreciated. We are working hard on improving buyforlife every day, stay tuned! via /r/BuyItForLife https://ift.tt/3thlevj

Why product research is broken and how we’re going to fix it

March 13, 2021 No comments Article

A survey with over 200 responses reveals why product research is broken and how we can fix it.At buyforlife, we want to solve the biggest pains when researching a product before a purchasing decision. To focus on the right features in the future, we launched a BIFL survey.We analyzed the results and discovered some interesting

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I’m new to the dotnet ecosystem (coming from the JVM) and wanted to share this simple CLI project with you for feedback.https://ift.tt/3rR7kQs is a very simple tool that does AES encryption/decryption given a key and a file path.In order to add unit tests to this project, do I actually require creating a solution, and then creating a separate unit test project which imports this app?Should I delete my existing repo and set it up from scratch using the solution approach? Are github repo defined at the project level or the solution level? via /r/learncsharp https://ift.tt/3le01Q1

How to modify a CLI project to include unit tests?

March 13, 2021 No comments Article

I’m new to the dotnet ecosystem (coming from the JVM) and wanted to share this simple CLI project with you for feedback.https://ift.tt/3rR7kQs is a very simple tool that does AES encryption/decryption given a key and a file path.In order to add unit tests to this project, do I actually require creating a solution, and then

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