integral

@Thought Art Summary Housing Development in Kitchener, Ontario: - Planned to build four condo towers with a rooftop sports field. - Project would add over 500 residential units to an area with tight housing supply. - Project approved in 2020; the first tower expected to be ready by 2024. - Only one tower was started, and it wasn’t finished. - Over 200 housing developments went insolvent last year alone, nearly 50% higher than the 10-year average. - Real estate-related insolvencies have been the highest for the past year. Challenges Facing Housing Developments: - Developers usually sell 70% of units before construction to secure bank loans. - Banks are hesitant to lend if the 70% threshold isn’t met. - Developers are stuck if construction costs rise unexpectedly after securing loans. - Pandemic led to a surge in demand and prices, pushing costs up by over 50% between 2020 and 2023. - Materials like concrete and structural steel saw price increases of 55% and 53%, respectively. - Labor shortages caused delays and wage increases of almost 10%. - Development fees and taxes also rose significantly, adding millions in costs. Financial Strain on Developers: - Development fees increased by 51% in five years. - Interest rates on loans have risen, making repayment difficult as loans grow larger. - Developers face a perfect storm of rising costs: materials, labor, fees, taxes, and interest. Impact on Homebuyers and Developers: - Failed projects leave buyers without homes and deposits at risk. - Developers struggle to recover costs when they’ve sold units at pre-pandemic prices. - New units are often priced 30-40% higher than original units, making them hard to sell. - New condo sales in the Greater Toronto Area down 57% from the previous year, 72% below the 10-year average. Long-Term Implications: - Rising costs and market conditions make it difficult to build new housing. - Developers may pull out of projects altogether if they can’t sell units at profitable prices. - The solution to the housing crisis isn’t as simple as just building more supply.

@BlessedLion lmao when i release the one im making ill link it. This is the older one i made, but i messed up the audio before release. Its incredibly hard to make anything good... im still trying to figure this out

Let's try something new. Here are the rules for this conversation: Deep research and effort must be put into each comment through deep exploration and AI assistance exploring all the facets of something before commenting. All questions must be answered through highly conscious multifaceted holistic multi-perspectival lens. Every comment must represent the most conscious possible answer you can produce. Heavy use of AI is encouraged for exploring all the facets of a topic. This is not a substitute for contemplation, both are necessary. Use AI to assist deeper contemplation. This is a place of practice and Improvement to expand and become more fluent in speaking the language of conscious politics. Read Guide Before Posting. Recommendations for improving the rule set is welcome. Important Introduction to conscious politics: Part 1, Part 2, Part 3, Part 4 This is sacred ground, breaking the rules might have consequences, that being said some humor and humanity is still welcome.

So immigration is a side note and has no real importance in the big picture of why large economic movements happen. Is this The General point?

What helps me get over it is actually seeing them speak and interact with other people and realizing how unhealthy and average they actually are. But you're in trouble if she's the dream Pixie Girl

Lmaoo I agree for the most part, my line of thinking was that let me investigate fears conservative have and see if there's some partial truth to it. Like what's the pros and cons of immigrants? If there's no negative to uncontrolled immigration then why aren't we encouraging Mass immigration. If immigration = equals more economic growth than we should be poaching people from other countries and trying to amass the largest population, right? Why aren't we doing this? Again this is speculation I don't understand the topic.

Ai animated Documentaries from the future, I'm still a beginner doe. I wanted to use AI video generation to make fake documentaries as if they are coming from the future.

Got to start deleting older images, you can manage storage in the settings.

I just spent 5 hours editing 1 minute of video. lmao

I'm not intentionally doing this. https://www150.statcan.gc.ca/n1/daily-quotidien/230927/dq230927a-eng.htm I'm reciting whatever statistics I'm seeing. So it seems that we just hit a record high for one year and the average is half a million. I don't have a biased immigration view this is just speculation! I understand that it's multifaceted like you've been saying, my initial post at the top has already been corrected lol.

We have a winner! Just enough subtle trauma to be motivated enough to work as a moderator for free!

You've reached chatGPT status, intelligence without ego,

To be a moderator you need at least five 0%, but if you have more than eight you can't be trusted to have self-awareness.

But they make up for it in sadistic 82%, everything in balance lmao

My results. lMAOOOO The description has some truth to it, but I don't flaunt My Success to others, I do the opposite, I emphasize their strengths and try to raise them up as high as possible. Unless I'm in a bad mood on the Forum lmao I think the description was more true when I was younger like 20 years old, Now That I'm Older everything is far more relaxed.

I gave the test to a friend.

@Leo Gura What are you doing in post-editing to clean up the audio?

The audio sounds a lot better actually, but if we just compare Leo's video side by side you could really hear the difference in presentation and atmosphere and presence. In post editing you got to do some audio work. There is almost a ASMR to it, because all the background noise is perfectly cut out, and the voice stands out in isolation beautifully to its environment. You want to get that intimacy sound quality. https://youtu.be/ClZ9B_V63Y4?si=INODi2UsQlcfXXe9 So right away we can tell that his Voice is so much louder, part of that is that he's yelling lol, but also in post-editing he added elements to his voice. YouTube caps loudness at -14 LUFS, so you want to crank up the loudness so it matches that. If you're using DaVinci Resolve you can easily monitor this but you should be able to monitor it in any editor. Look at all this stuff this guy does just to make his voice sound good in post-editing. I understand that he's not spiritually enlightened, he's just some kid but it's a demonstration of what he does to transform his voice in post editing using audacity. And his voice is very loud very strong very clear and has very strong presence. You got to learn how to use compressors and Eq, noise reduction, and other audio tricks. I think he overdid it it sounds a little too bassy, but in general you want to get that voice to sound strong.

I'm fully aware of the Trap of blaming immigrants. 40 million people are in Canada and that numbers grows by 1 million a year from immigrants. This is insane growth. 333 million US population: 2.7 million immigrants yearly. Canada Grows by 2.5 percent each year from immigrants. US Grows By 0.8% each year from immigrants. Canada infrastructure potentially cannot handle rapid expansion like that, while the US infrastructure doesn't need to adapt as fast. --- When I made this post I thought that this time it was different, there might actually be some truth to too many immigrants. But it looks like it's only related to the usual economic scandals that the rich use to maximize profits.

Team of about 5 people, but this quality is where its at.

I was watching this video and I thought it would be interesting to use this presentation Style and instead frame it for philosophy or science or any topic. The video is a very entertaining presentation Style of how speedrunners compete with each other to beat a map as quickly as possible. It's very engaging and interesting even for someone who's not interested in this topic at all. So I think it could be adapted for different types of content. Let's imagine the competition of ideas between scientists or between philosophers and you can see how the progression of a idea changed throughout history.

Why can't someone build a interactive systemic map of the economy and political system so that it can be in real time updated and played with. I want one place where all the moving parts can be seen and experimented with.

https://www150.statcan.gc.ca/n1/daily-quotidien/230927/dq230927a-eng.htm

You're right I was just lost with the YouTube propaganda. https://claude.site/artifacts/bdd88bea-d768-41df-9645-5ca59e4d672f In the past 70 years the population per house ratio has gone from 4.18 to 2.52. So the number of houses being built cannot keep up with the population growth. Income vs. Home Prices - Canadian home prices have doubled in the last decade, while wages have only increased by 24%. - The average income required to afford a home is much higher than the median family income. - Toronto and Vancouver have particularly extreme housing prices, making homeownership unattainable for many young Canadians. Population Density and Housing Supply - Canada is a large country with a small population, but most people live in urban centers, increasing housing demand in cities. - Immigration has fueled population growth, further straining housing supply. - Canada has the lowest housing supply per capita in the G7, with significant shortages expected by 2030. - Challenges like a lack of skilled labor and bureaucratic red tape hinder the construction of new homes. Government and Policy Responses - Canada has introduced measures like tax-sheltered savings accounts, foreign buyer bans, and vacancy taxes to address housing affordability. - However, these measures have had limited success, and supply-side challenges persist. - The imbalance of supply and demand has been worsened by low-interest rates, which encouraged investment in real estate. Impact of Interest Rates and Debt - Low-interest rates led to cheap mortgages, driving up real estate prices. - Canadian households are now heavily indebted, with a record debt-to-income ratio. - Rising interest rates have caused mortgage payments to soar, leading to financial strain for many homeowners. The Role of Investors - A significant portion of Canadian homes are owned by investors, particularly in cities like Vancouver. - While foreign investment is often blamed, domestic investors have been the primary drivers of housing demand. - The high demand and low supply have pushed prices to unsustainable levels. The Threat of a Financial Crisis - Canadian households are highly indebted, with mortgage debt making up a large portion of this. - The Bank of Canada’s rate hikes have exacerbated affordability issues, with mortgage payments increasing significantly. - Many Canadians with variable-rate mortgages are facing financial hardship due to rising rates. Recourse Loans and Negative Amortization - Most Canadian mortgages are recourse loans, meaning lenders can pursue personal assets if the mortgage isn’t paid off. - Some Canadians are experiencing negative amortization, where their mortgage balances are increasing rather than decreasing. - These issues highlight the potential for a worsening financial crisis if housing prices continue to fall. Why Haven't Things Crashed Yet? - Despite the financial strain, mortgage delinquency rates remain low, possibly due to Canadians using savings to cover payments. - New property listings are down, which could keep prices elevated even if demand falls. - The situation is unpredictable, with possible outcomes ranging from a market crash to a stabilization if interest rates are cut. Personal Finance and Housing Affordability - Canadians should focus on affordability and risk tolerance when considering buying property. - Housing costs should ideally not exceed 32% of before-tax monthly income. - Those unable to afford property in high-demand areas might consider less populated regions or other investment options. Conclusion - The Canadian housing market is in a precarious state, and without meaningful policy changes, the crisis could worsen. - Individuals can take steps to protect themselves, such as consulting financial professionals and considering alternatives to homeownership. - The video emphasizes the importance of careful financial planning in the face of an uncertain real estate market.

https://www.actualized.org/insights/what-is-a-woman Man or Woman = Sex (Chromosomes) Male or Female = Gender Masculine or Feminine = Gender Expression Straight or Gay or Bisexual or Pansexual = Sexual Orientation Cisgender or Transgender = Gender Identity He/Him, She/Her, They/Them, etc. = Pronouns Monogamous or Polyamorous = Relationship Style Asexual or Allosexual = Sexual Attraction Aromantic or Alloromantic = Romantic Attraction Intersex or Endosex = Sex Characteristics Agender, Bigender, Genderfluid, etc. = Gender Identity (Non-binary spectrum) Androgynous, Femme, Butch, etc. = Gender Presentation Single, Married, Partnered, etc. = Relationship Status Monosexual or Multisexual = Attraction to one or multiple genders Sex-positive, Sex-neutral, or Sex-repulsed = Attitudes towards sex ----------- Claude 3.5 Destiny clarifying himself.