![]() This is in fact a characteristic of a housing bubble and it doesn’t matter if the particular city has an elastic (easy to increase) or inelastic (hard to increase) supply of housing. The problem with this argument is that every single housing bubble in history has seen demand outpace supply. ![]() This argument, that lack of supply is the real problem, is a common one put forward by home builders and real estate agents. If demand is going up and supply is not, prices will go up, that’s not a bubble.” “I don’t think we’re in a bubble, I really don’t think we’re in a bubble. While the Bank of Canada is indirectly cautioning us about an investor-driven housing bubble in Canada, former CEO of CMHC Evan Siddall had this to say about a potential housing bubble in Canada : And it is this motive that is thought to lend instability to bubbles, a tendency to crash when the investment motive weakens.”īut not everyone agrees with these risks. “That is what a bubble is all about: buying for the future price increases rather than simply for the pleasure of occupying the home. In the case of a housing bubble more specifically (as compared to other asset bubbles), a disproportionate increase in demand from investors vs end user home buyers is a defining characteristic, according to Robert Shiller and Karl Case: “f the reason that the price is high today is only because investors believe that the selling price will be high tomorrow-when "fundamental" factors do not seem to justify such a price-then a bubble exists…” While Beaudry didn’t refer to Canada’s housing market as a bubble, central bankers rarely do, his description of Canada’s housing market was pretty much the definition of a bubble.Ī surge in demand driven by the extrapolative expectations of investors echoes Joseph Stiglitz’s definition of a bubble: The Bank of Canada’s research found that home purchases by investors outpaced demand from first-time and repeat home buyers. That’s because, for many households, their wealth and access to low-cost credit are tied to the value of their home. And, if one occurs, the damage can spread far beyond the investors. That can expose the market to a higher chance of a correction. In such a case, expectations of future price increases can become self-fulfilling, at least for a while. Expectations of a capital gain can make homes a very attractive asset for investors.Ī sudden influx of investors in the housing market likely contributed to the rapid price increases we saw earlier this year. This happens when people think house prices will be even higher in the future, and it can lead them to rush into the market to buy.Īt the same time, our analysis finds that many Canadians are buying homes as investment properties-that is, in addition to their principal residence-and the importance of this phenomenon has grown. My observations turned out to be prescient as later that same month the Bank of Canada’s Deputy Governor Paul Beaudry highlighted many of the same risks in his speech titled, “ Financial stability through the pandemic and beyond.”Ī particularly worrisome development is that price expectations in some areas may have become extrapolative. In last month’s report, I discussed how the housing market on the ground in the Toronto area appears to have turned while much of the demand in 2020 was driven by end users rushing into the market post-Covid lockdowns, 2021 has seen a surge in demand from investors looking to capitalize on rapidly rising home prices. With home prices continuing to surge across the country, many are starting to wonder if the rational explanation we’ve been hearing for Canada’s housing boom - an urban exodus and surge of end-users buying homes due to the Covid-19 pandemic - no longer applies. ![]() ![]() Why a change who's behind the demand for homes makes all the difference. ![]()
0 Comments
![]() ![]() Keyboard shortcuts: Binder uses all of the same keyboard shortcuts as Jupyter.Įase of working with datasets: If your dataset is in the same Git repository, then it will automatically be available within Binder. Interface similarity: Binder uses the native Jupyter Notebook interface. Supported languages: Python (2 and 3), R, Julia, and any other languages supported by Jupyter.Ībility to install packages: You can specify your exact package requirements using a configuration file (such as environment.yml or requirements.txt). You don't have to create an account with Binder and you don't need to be the owner of the repository, though the repository must include a configuration file that specifies its package requirements. ![]() You can run any notebooks in the repository, though any changes you make will not be saved back to the repository. It allows you to input the URL of any public Git repository, and it will open that repository within the native Jupyter Notebook interface. Performance of the free plan: What computational resources (RAM and CPU) does this service provide? Does it give you access to a GPU (which is useful for deep learning)? How much disk space is included? How long can a session run?Ībility to upgrade for better performance: Can you pay for this service in order to access more computational resources?ĭocumentation and technical support: Is the service well-documented? Can you get in touch with someone if you run into a problem?īinder is a service provided by the Binder Project, which is a member of the Project Jupyter open source ecosystem. Internet access: Does this service give you Internet access from within the Notebook, so that you can read data from URLs when necessary?Ībility to work privately: Does this service allow you to keep your work private?Ībility to share publicly: Does this service provide a way for you to share your work publicly?Ībility to collaborate: Does this service allow you to invite someone to collaborate on a notebook, and can the collaboration occur in real-time? Missing features: Is there anything that the Jupyter Notebook can do that this service does not support?Īdded features: Is there anything this service can do that the Jupyter Notebook does not support?Įase of working with datasets: How easy does this service make it to work with your own datasets? Keyboard shortcuts: Does this service use the same keyboard shortcuts as the Jupyter Notebook? Interface similarity: If the service provides a "Jupyter-like" interface (rather than the native Jupyter interface), how similar is its interface to Jupyter? (This makes it easier for existing Jupyter users to transition to this service.) Supported languages: Does this service support any programming languages other than Python?Ībility to install packages: Does this service allow you to install additional packages (or a particular version of a package), beyond the ones that are already installed? Here are the criteria on which I compared each of the six services: Note: If you just want a quick summary, check out the comparison table. Similar services which were not reviewed.How to choose the right service for you.Since all of these are cloud-based services, none of them will work for you if you are restricted to working with your data on-premise. They support the Python language (and most support other languages as well).They allow you to import and export notebooks using the standard.They give you access to the Jupyter Notebook environment (or a Jupyter-like environment). ![]() They are completely free (or they have a free plan).They don't require you to install anything on your local machine.All of them have the following characteristics: In this post, I'm going to review six services you can use to easily run your Jupyter notebook in the cloud. However, the recipient can only interact with the notebook file if they already have the Jupyter Notebook environment installed.īut what if you want to share a fully interactive Jupyter notebook that doesn't require any installation? Or, you want to create your own Jupyter notebooks without installing anything on your local machine? There are many ways to share a static Jupyter notebook with others, such as posting it on GitHub or sharing an nbviewer link. ![]() Python Six easy ways to run your Jupyter Notebook in the cloud. ![]() ![]() ![]() An extremely hot day for your area has a high temperature that normally happens only on the hottest 8 days of the year, during the baseline period from 1981 to 2005.įire risk estimates are based on projections for the average proportion of the area surrounding your home that will burn annually. Heat risk estimates are based on the typical number of extremely hot days that you can expect in the future. This information is specific to each watershed, or drainage basin, and takes into account both the projected supply of water, projected demand due to population growth and water use, and features of the watershed, such as soil properties and land cover. An extremely wet event for your area experiences an amount of precipitation over 48 hours that normally happens only 8 times during the 1981-2005 baseline period.ĭrought risk is based on water supply stress, which estimates how much of the available water in a location will be used by human activity, like watering the lawn. Your storm risk rating is based on both of these dynamics: the typical number of extremely wet or snowy events and the amount of rain or snow that will fall during those storms. Ratings are based on projected 2050 risk and the change from historical risk.Ī rating of 1 represents the lowest risk 100 is the highest.Ĭlimate models project that both the frequency and amount of precipitation are likely to increase throughout most of the US. Estately can also email you updates when new homes come on the market that match your search, change price, or go under contract.ĬlimateCheck® ratings reflect hazard risk at a property relative to the rest of the contiguous United States. The MLS is widely considered to be the most authoritative, up-to-date, accurate, and complete source of real estate for-sale in the USA.Įstately updates this data as quickly as possible and shares as much information with our users as allowed by local rules. That means we can display all the properties listed by other member brokerages of the local Association of Realtors-unless the seller has requested that the listing not be published or marketed online. Listing courtesy of BRIDGE / Pacific Union InternationalĪs a licensed real estate brokerage, Estately has access to the same database professional Realtors use: the Multiple Listing Service (or MLS). Lots of light, skylights, workshop or could be a 3rd car garage. Private views, serene setting- relax and enjoy! 3 bedrooms, one with sitting area that could be a 4th bedroom, spacious master with updated bath and walk-in closet. Amazing views and expansive lush lawn compliment the. ![]() The kitchen, overlooking the backyard and patio, has a commercial gas range, light colored cabinetry and adjoins the family room with built-in bookcases, fireplace, skylight, and sliding door to the yard. The living room with a fireplace and plantation shutters has new stylish carpets. You will love this fabulous home with courtyard entry that welcomes one to the large foyer with hardwood floors that reach into the dining room, hall, kitchen and family room. ![]() ![]() ![]() ![]() Personally, I am very happy with it, and the material is also very soft and comfortable (to the point where my wife often steals it or keeps running her hands over my shoulders when I'm wearing it, no doubt plotting her next theft). I generally wear an XL, and this fits like a charm - a bit more trim than some t-shirts, but cut nicely, so if you want a baggy shirt rather than a fitted look, consider going up a size. Secrets of the lost tomb expansion miniature pack 4 Contains 14 detailed adventurer & boss miniatures to enhance your gaming experience Companion pack to. Not only is the design great, though, but the shirt is nicely fitted. Many memories of races in the asteroids drifting around the Rock of Bral come flooding back, and I can't wait to relive the absolute nonsense of two-directional gravitational fields with a new generation. The End is Near Thousands of years before recorded history, when man was still infantile, the eternal powers protected Earth with the consent of the gods. Stock also Available Check out Stations Created by Everything Epic 469 backers pledged 28,464 to help bring this project to life. ![]() As someone who (mis?)spent a good chunk of his youth in the wackier parts of AD&D (Spelljammer, Planescape, etc.), it's been a joy to come back to the hobby with my family and find many of these silliest aspects of the hobby alive and well (or resurrected from space hibernation). Product details Publisher, Everything Epic Series, Secrets of the Lost Tomb Shop, Board & Card Games Primary language, English Product Code, EEP-SLTB1606. Secrets of the Lost Tomb: Fate's Fortune Explore the Tomb Cooperate to Level up Uncover each Scenario's Mysteries Limited 1st ed. Shop Secrets of the Lost Tomb: The Great Apocalypse Miniatures online at best prices at desertcart - the best international shopping platform in New Zealand. ![]() ![]() ![]() How can I find out when a meteor shower is occurring, where and how to look, and what to expect?.What is a meteor shower? Does a shower occur “all at once” or over a period of time?.How many meteors can I expect to see if I go out to observe them when no meteor shower is occurring?.How big are most meteoroids? How fast do they travel?.What is the difference between a meteor, a meteorite, and a meteoroid?.There are estimated to be around 500 meteorites that make it to Earth every year, but very little of this number is discovered. But when they do, we refer to them as meteorites.Ī meteorite is just the debris from the meteor, and they can be quite rare (they’re actually even more rare than diamonds!) which makes them quite valuable. MeteoritesĪ very small percentage of meteors make it through to land on the Earth. However if a meteor shines red, then it tends to have a lot of nitrogen and oxygen). For example, if a meteor has a lot of iron, then it will shine yellow. Actually, a meteor can make it through some layers of the atmosphere fine (it’s fine going through the exosphere and the thermosphere, but it burns when it reaches the mesosphere).Īs it gets closer to Earth, it will shine brightly in a color dependent on what it’s comprised of. When it enters into the Earth’s atmosphere, it is going at such a speed that it’s friction with the atmosphere begins to heat up the meteor. We may also refer to a meteor by a few other names, such as a falling star. MeteorsĪfter a meteoroid enters into the Earth’s atmosphere, we then refer to it as a meteor. ![]() These meteor showers are sometimes also called a meteor streak too, as you can see their trail spread across the night sky. When they enter the atmosphere together, we refer to them as meteors showers. We can tell more of what a meteoroid is comprised of when it enters the atmosphere and starts to burn.Īnd when a meteoroid enters into our atmosphere solo, we may refer to them as a shooting star. However, we split them into three categories based on their composition – stone, iron and stony iron. The majority of all meteoroids are primarily comprised of similar materials, having a large amount of nickel and iron. They move at speeds of up to 100,000mph, and orbit the Sun in an ellipse pattern. Meteroids tend to originate in the asteroid belt, but they can also be parts of a comet too (comets generally come from further out in the Kuiper belt). However, it’s worth mentioning that they are relatively small in comparison to asteroids, but can still be quite large. A meteoroid is simply defined as a small object that is moving through interplanetary space. Meteoroidsīefore a meteor enters into the Earth’s atmosphere, we call it a meteoroid. Though you may hear them being referred to as a small asteroid or space rocks due to their rocky bodies, there is a good reason why we actually like to call them by their technical name – here’s why. So, a meteor, a meteorite and a meteoroid are all the same object, but we refer to them by a different name depending on which part they are in their journey. However, if that meteor makes it to the Earth’s ground without being destroyed, then it is then called a meteorite. When a meteoroid is within Earth’s atmosphere flying through the air, we call that a meteor. The difference between a meteor and a meteorite is quite simply the stages that they are in. So what is the difference between a meteor and a meteorite? Well, let’s have a look and find out. The truth is that in many cases, they represent very similar objects, and in the case, the same object – just at different points in their life. However, it can be very difficult to keep up with all this, and even know what the differences between them are. You’ve probably heard of both meteors and meteorites, as well as a whole host of other objects that are out there in our solar system. ![]() ![]() ![]() Sync Safari Browsing Data via iCloud for Windows Safari for Windows also hasn’t received security updates in almost a decade, so we recommend that you don’t attempt to use it for any sensitive activities such as banking or shopping. Other than for basic web browsing, it was practically useless. Most websites took a long time to load, while web apps (such as YouTube and Google Maps) simply failed or prompted us to switch to a compatible browser. Even if the functionality were present previously, Apple probably would’ve stopped you from signing in to it by now.ĭuring our Safari tests on Windows, the browser started showing its age. That makes it impossible to sync your browsing data from an iPhone or Mac. ![]() What the browser does not allow is to sign in with an Apple ID. Double-click the downloaded SafariSetup executable file. Unfortunately, Apple no longer supports Safari for Windows, so you can’t get it from an official source.Ģ. Download the Safari installer from a software download portal such as Uptodown, Filehippo, or TechSpot. But unless you just want to have a feel of how Safari looked almost a decade earlier, we recommend you stay away from it.ġ. Regardless, the steps below will walk you through downloading and installing Safari on your Windows 10/11 PC. You also can’t sync your browsing data, so it’s not a solution if you want to access bookmarks and passwords. The problem? It’s terribly slow and dated, lacks compatibility with most web apps, and poses security risks. However, the final version of the browser (Safari v.5.1.7) is freely available on the internet, so you can quickly download and install it on your Windows 10 or 11 PC. Download and Install Safari on Your Windows PCĪpple halted the development of Safari for Windows in 2012. ![]() ![]() Once you aggregate all your time spent on your work, you have to be able to take action on it. The ability to create an invoice or export data. The most powerful time tracking apps offer dashboards and reports that let you break out daily, weekly, or monthly time spent per project, per person, or per client. For example, if your phone rings and you jump into a 20-minute consulting call, you might not start a timer, but you do want to log and bill for those hours worked. You also want an app that lets you enter a block of time post hoc in case you forget to launch a timer at all. You should be able to edit the time log to subtract however many minutes you weren't working. The best apps let you correct time tracked after the fact, such as if you accidentally leave a timer running while you take off for lunch. The ability to edit time tracked or manually add time blocks. Nearly all time tracking apps let you track in real time, meaning they give you a running clock that you launch when you start a task, and that you can pause or stop when you finish. When evaluating the best time tracking apps, I considered the following criteria: If you're part of a team, time tracking can help you answer the question, "What have you been working on this month?" What do you do with this information? Perhaps most importantly, project time tracking can help you get paid, allowing you to feel confident about your invoices rather than trying to estimate how much time you worked after the fact. Whether you're working solo or in a small team, time tracking software can give you a complete overview of your daily, weekly, monthly, and yearly work. When you know how you spend your time, you can analyze your work trends and make smarter business decisions. For more details on our process, read the full rundown of how we select apps to feature on the Zapier blog. We're never paid for placement in our articles from any app or for links to any site-we value the trust readers put in us to offer authentic evaluations of the categories and apps we review. We spend dozens of hours researching and testing apps, using each app as it's intended to be used and evaluating it against the criteria we set for the category. It seems like this is how the software is setup but it seems to be non-functional on our end.All of our best apps roundups are written by humans who've spent much of their careers using, testing, and writing about software. It would be nice if under "pay category" that we could have it setup with a job number, like #8508, and then the software automatically applies the account information to the job # in the background. ![]() We currently work around it by entering our time as "Regular" but then we have to enter the account numbers and a brief description of what we did on that account in the comments section. The issue that that we can't figure out is how to setup the software so that it's possible add job #'s to the pay categories to select from, like the "Reg Pay" selection. We work on multiple jobs per day that need to be charged to multiple accounts. The interface is relatively self explanatory and easy to use in a basic sense. It's time consuming to fill out time sheets when we have to enter multiple 18-25 digit numbers in the comments for multiple jobs per day. Overall, in a basic sense it works well but wish the functionality for our particular situation was better. ![]() ![]() ![]() It will ask very hard questions of the characters and the readers alike. It’s an emotional rollercoaster with flawed and relatable characters full of sarcasm, humor, wit, triumph, and tragedy. Players commonly report beginning the game with intent to speed through to NSFW scenes, but then find themselves completely invested in the characters and the world around them. While there is NSFW content, it is used to enhance the story and the character interactions and to openly deal with issues related to sexuality without censorship. In contrast to many NSFW games, Straight!? is a realistic "slow burn" where the primary focus is on dialogue and character development. Along the line, we’ll meet a cast of supporting characters that will each challenge Zack and Braden in their own way as they try to put all the pieces of themselves together and come to terms with who they really are. As they grow closer, each is forced to embark on an existential journey to confront their own feelings on sexuality, attraction, labels, and the impact these have on the way they define their relationship, themselves, and the world around them. While Zack initially reports being comfortable with his attraction to guys, we slowly learn how truly uncomfortable he really is. Straight!? is a coming-of-age tale that follows the main character, Zack, a 19-year-old student on his first day of college and the personal journey that ensues after he meets his new roommate: 18-year-old Braden. ![]() It is primarily created by one developer complimented by a small team of friends to help complete his first passion project. It is free-to-play and is funded solely from donations through sources like itch.io or Patreon. Straight!? is a work in progress cinematic visual novel that specifically focuses on NSFW male/male and gay content. ![]() ![]() ![]() Viewtiful Joe 's core gameplay is similar to a traditional side-scrolling beat 'em up. An anime adaption of the game and a manga series were also produced. A minor commercial success, the game spawned a few sequels with releases seen on other consoles such as the PlayStation Portable (PSP) and Nintendo DS. Viewtiful Joe was critically acclaimed for its unique visual style and gameplay, earning itself a number of awards from various media publications. ![]() Abilities known as "VFX Powers" grant the player special actions for combat and puzzle-solving, such as slowing down or speeding up time. The gameplay of Viewtiful Joe features traditional 2D platform side-scrolling intermixed with 3D cel-shaded graphics. After accepting a special V-Watch from Captain Blue, Joe transforms into the tokusatsu-style persona "Viewtiful Joe" and sets out to rescue her. Joe is shortly thereafter thrust into Movieland, where Silvia is taken by the villainous group known as Jadow. The game's story concerns Joe, an avid movie-goer whose girlfriend Silvia is kidnapped during a film starring Joe's favorite superhero, Captain Blue. The game was later ported to the PlayStation 2 by the same design team under the name Clover Studio, subtitled in Japan Aratanaru Kibō ( Japanese: 新たなる希望, lit. It was originally released in 2003 as a part of the Capcom Five, under director Hideki Kamiya and producer Atsushi Inaba. Continued abuse of our services will cause your IP address to be blocked indefinitely.Viewtiful Joe is a side scrolling beat 'em up video game developed by Team Viewtiful for the GameCube. Please fill out the CAPTCHA below and then click the button to indicate that you agree to these terms. If you wish to be unblocked, you must agree that you will take immediate steps to rectify this issue. If you do not understand what is causing this behavior, please contact us here. If you promise to stop (by clicking the Agree button below), we'll unblock your connection for now, but we will immediately re-block it if we detect additional bad behavior. Overusing our search engine with a very large number of searches in a very short amount of time.Using a badly configured (or badly written) browser add-on for blocking content.Running a "scraper" or "downloader" program that either does not identify itself or uses fake headers to elude detection.Using a script or add-on that scans GameFAQs for box and screen images (such as an emulator front-end), while overloading our search engine.There is no official GameFAQs app, and we do not support nor have any contact with the makers of these unofficial apps. Continued use of these apps may cause your IP to be blocked indefinitely. This triggers our anti-spambot measures, which are designed to stop automated systems from flooding the site with traffic. Some unofficial phone apps appear to be using GameFAQs as a back-end, but they do not behave like a real web browser does.Using GameFAQs regularly with these browsers can cause temporary and even permanent IP blocks due to these additional requests. If you are using Maxthon or Brave as a browser, or have installed the Ghostery add-on, you should know that these programs send extra traffic to our servers for every page on the site that you browse.The most common causes of this issue are: Your IP address has been temporarily blocked due to a large number of HTTP requests. ![]() ![]() Many people also prefer TTS tools as a way to learn a new language since it is possible for them to hear a language while reading it. You might enjoy listening to books while relaxing, and it will make your life better overall. Furthermore, text-to-speech apps can be quite helpful with e-learning. You can save so much time and be able to better multitask by using text-to-speech by listening to the content. But even if you don’t have anything against traditional reading, using TTS software can still be a great idea. Using a TTS tool means you won’t need to read on your own, and you can use your headphones or speakers to listen to the text as you would with podcasts. Some people struggle with reading, and this includes conditions like dyslexia, ADHD, and other disabilities such as visual impairments. Using text-to-speech can be a perfect way to overcome difficulties in life. Here, you will also get the chance to customize the entire experience, choose different voices, adjust speed of the playback, and so much more. You can also use the keyboard shortcut Windows key + Ctrl + Enter to start Narrator. To turn on text-to-speech on your PC, all you need to do is go to Settings, click on Ease of Access, and you should notice the Narrator section of the page. Today, Microsoft 10 uses Hazel, David, George, Susan, Zira, and Mark as default voices. Windows Vista and Windows 7 had Microsoft Anna, and Windows 8 introduced several new voiceover options. Microsoft went through many changes and improvements of its TTS software. It was more than obvious that the voice was AI-generated, and the quality of text-to-speech has significantly improved since. The app was known as Microsoft Sam, and users could explore this functionality with narration and so much more.Īs with every early project, however, Microsoft Sam was a bit clunky. In fact, Windows 2000 and XP had TTS software included with the OS. Microsoft has been experimenting with text-to-speech technology for quite some time. And there are several different ways you can enable this software on your PC! How to enable text-to-speech on Microsoft and Windows Text-to-speech (or TTS) on PC can improve accessibility, enable multitasking, and improve productivity. Portuguese (Brazil) (Português (Brasil)).How to Win Friends and Influence People.The 7 Habits of Highly Effective People.The Chronicles of Narnia Complete Audio Collection. ![]() How to get celebrity voices with text to speech.Everything you need to know about text to speech on TikTok.Alternatives to Google Cloud Text to Speech.Text to speech tools to address ADHD challenges.How text to speech helps an Individualized Education Program.Text to speech for Disabled Students Allowance. ![]() |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |