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May 5, 2024 00:07
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- Rime
- Nov 2, 2011
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by Games Forum
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I once had an employer miss the paycheque before Christmas, didn't come in till after New Years.
They had a lot of staff churn.
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Oct 27, 2016 02:39
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- blah_blah
- Apr 15, 2006
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The Koch Brothers are awful but this sounds like pretty excellent policy to me.
Getting rid of our ridiculous patchwork of tax cuts and handouts to various special interest groups is basically a prerequisite to meaningful tax reform and things like mincome. This is actually something that people from both sides of the political spectrum should be able to agree upon -- though what they would want to replace it with is obviously different. The only people that really benefit are the special interest groups (dairy farmers, etc) and the politicians who gain their votes as a consequence. Everyone else loses.
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Oct 27, 2016 03:06
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- namaste friends
- Sep 18, 2004
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by Smythe
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http://www.theglobeandmail.com/repo...rticle32531116/
quote:
How Canada fuelled a housing bubble, then tried to fix it
Fuelling froth
Crisis-era interest rates may have helped drive certain Canadian housing markets to the boiling point, but governments played their role, too.
Now, they’re scrambling to undo it.
Derek Holt, vice-president of economics at Bank of Nova Scotia, looked at how policy makers helped to fuel the froth over several years, leading to record household debt and rapidly surging home prices in Vancouver, Toronto and the regions that surround them.
Federal governments of “both political stripes” helped fan the flames, and then tried to douse them, most recently through two initiatives from the governing Liberals, the latest of which took effect this month, with the second phase slated for November.
Obviously, the ultra-low interest rates from the crisis era led Canadians to borrow on the cheap, big time.
But, as the table below shows, governments took several steps to help Canadians buy their homes. A dream for many, it’s all good until everything gets out of hand.
As Mr. Holt noted in a recent report, after governments began tightening policies listed in the first half of the table, “record lows in fixed and variable mortgage rates acted in offsetting fashion.”
The bottom half of the table takes us up to just before Finance Minister Bill Morneau moved to cool things down, measures that included the recently announced mortgage and tax rules.
And separately, remember, British Columbia slapped a 15-per-cent tax on foreign buyers of Vancouver area homes.
Many things fed the froth that led to Canadian home prices and household debts that have been the target of warnings from observers around the world.
“The rule shifts contributed, as did the long-term decline in rates both through global bond markets and Bank of Canada actions, among other factors,” Mr. Holt said later.
His look at the government measures came in a report that warned against oversimplifying the impact of Mr. Morneau’s latest measures.
Previous tightening since 2008 “did not derail housing or mortgage markets,” Mr. Holt noted.
“Amidst endless fear mongering, tighter rules still gave way to record high household debt and house prices,” he added in the report.
“Much of that was because of the offset from lower interest rates, and here we are once again talking about the possibility that the Bank of Canada could cut rates and further feed market household imbalances assuming – as I do – that the mortgage book is still rate sensitive.”
Indeed, the reviews of those measures are mixed.
Some observers believe they will do the trick, while others suggest the impact may be muted. Still others fear they could backfire, and go beyond what was intended.
We’ve already seen the Vancouver market cool rapidly. Indeed, that started before the new federal measures and the provincial tax.
There’s no question that the government is tightening the rules, Mr. Holt said. Just be on guard against “exaggerated” analysis.
“Over all, the message is not to write off the consumer in a cyclical sense,” he said.
“We’re on the downside of the cyclical gains that propelled Canada to record highs across everything in the household sector, but lower rates for much longer than anyone forecast amidst perennial threats they are about to go up, combined with targeted fiscal and immigration stimulus, help to mitigate the consequences of the two-decade long boom in consumption and housing.”
the government needs to stop interfering with the free market
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Oct 27, 2016 03:20
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- namaste friends
- Sep 18, 2004
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by Smythe
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quote:
‘Long aftershock’: Big Oil is retreating from Western Canada during two-year downturn
When an oil recovery does take hold in Western Canada, it will have to make do with a diminished presence of global oil players.
Companies such as Total S.A., Statoil ASA, Conoco Phillips, BP PLC, Chevron Corp., Repsol S.A. and many others retreated sharply from Canada during the two-year downturn, slashing staff, selling assets and dumping their Calgary office space into an overbuilt market.
Kevin Birn, Calgary-based director, North America crude oil markets at global energy consultancy IHS Energy, said the pullback will contribute to a slower return to growth for the oilpatch.
“We are calling it the long aftershock of low oil prices,” Birn said. “Since prices collapsed in 2014, there are a number of projects in the system that have proceeded to completion and that will drive growth to 2020. But the lack of investment since 2014 in new projects means that we will have lower supply additions until the other side of 2020.”
Many international oil majors moved to Western Canada or bolstered their presence when oil and gas prices were expected to keep rising and global accessible reserves were thought to be in decline. They wanted a piece of the oilsands, shale gas and of a liquefied natural gas industry in British Columbia.
But those growth engines stalled — the result of low energy prices but also regulatory delays to build export infrastructure — and many oil majors switched gears from growth to working with what they have.
International oil companies have been downsizing everywhere because of the price collapse, but their Canadian operations have had to deal with an additional disadvantage — the loss of political and regulatory stability, which has restricted their access to markets, said a senior industry source.
“We have taken what was our competitive advantage and wiped it off the table,” the source said. “We may be one of the only producers that has self-imposed restrictions on selling its product.”
Norwegian giant Statoil axed its Canadian workforce to 380, mainly at its Calgary headquarters, from 600 in 2014, after deferring spending in the oilsands.
“We think Canada is a great place to do business, but times are tough right now due to a number of factors including low oil prices and lack of market access,” said spokeswoman Allyson Zarowny. Statoil is now focusing on improving performance at its Leismer oilsands project and exploring offshore Newfoundland, she said.
ConocoPhillips, based in Houston, cut its Canadian workforce by 1,000, to less than 2,000 people today, said spokeswoman Michelle McCullagh. “We continue to ramp up production at our Surmont oilsands facility and are optimizing our oil and gas portfolio in Western Canada,” she said.
Chevron Corp., based in San Ramon, Calif., cut its Canadian upstream team to 400 people this year, said spokesman Leif Sollid. That’s down from about 600 to 800 Canadian staff before layoffs across its global operations, according to published reports. Sollid said the company, a player in Canada since 1938, continues to hold major assets in Canada, including the Kitimat LNG project, the oilsands and offshore Newfoundland.
The lack of investment since 2014 in new projects means that we will have lower supply additions until the other side of 2020
BP, the British major, has shrunk sharply, though it wouldn’t say how many people it has laid off. It continues to run a trading operation in Calgary and has investments in various projects.
The French major, Total, also shrunk its presence dramatically after suspending work on the Joslyn oilsands project in 2014. It continues to be a partner in the Surmont and Fort Hills oilsands projects, said spokeswoman Linda Bucke.
Spain’s Repsol said last year it would cut Canadian staff by 1,500 over three years after taking over Talisman Energy Inc.
Anglo/Dutch major Royal Dutch Shell PLC has also trimmed Canadian staff as part of a global program following its takeover of BG Group PLC. Shell has put on hold a decision on whether to move forward its LNG Canada project with its partners. Last week it sold natural gas properties to Tourmaline Oil Corp. for $1.4 billion.
But spokeswoman Tara Lemay said Shell’s Canadian business remains very large, with 8,000 employees across integrated operations, including one of the top oilsands projects, exploration drilling offshore the East Coast, and large refining and marketing presence.
“2016 is a transition year for Shell as a result of completing the BG combination earlier this year,” she said in a statement. “This includes pulling various levers to manage the financial framework in the down-cycle, such as asset sales.”
Related
No recovery in sight for Canada’s 100,000 unemployed oil workers
Pipelines, red tape and climate change policies are killing Chinese investment in oilsands
Imperial Oil Ltd., the Canadian affiliate of Exxon Mobil Corp., stands out for having no layoffs at all among its 5,700 employees and moving forward with oilsands expansions, including at Cold Lake and the new Aspen project.
Greg Kwong, regional managing director, brokerage services, at CBRE Canada, has watched office vacancies in downtown Calgary swell to nearly a quarter of available space as large oil companies adjusted to lower oil price expectations and diminished long-term investment commitments.
“To use the car business as a parallel, there is a lot of used cars being driven around, but no one is buying new cars,” he said.
In an updated production outlook this week, the National Energy Board said oil production would increase from four million barrels a day in 2015 to 5.7 million barrels a day by 2040 — 391,000 barrels a day less than what it estimated in its January report.
It said lower oil prices would only have a modest effect on increased oilsands production in the near-term, as projects already under construction continued to move forward, but recently cancelled and deferred projects would start to hit production numbers by 2019.
Among the stalwarts are Canadian companies that don’t have as many investment options elsewhere. They also happen to be the oilsands’ original players — Suncor Energy Inc., Imperial, Canadian Natural Resources Ltd., and Cenovus Energy Inc.
“It’s the names that you know going back into the assets they have,” Birn said.
eat poo poo albertans
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Oct 27, 2016 03:55
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- leftist heap
- Feb 28, 2013
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Fun Shoe
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lol, most of that table is a murderer's row of lovely policy goddamn
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Oct 27, 2016 04:04
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- namaste friends
- Sep 18, 2004
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by Smythe
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lol, most of that table is a murderer's row of lovely policy goddamn
like why the gently caress did they introduce 35 and 40 year amortizations in 2006???????
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Oct 27, 2016 04:07
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- namaste friends
- Sep 18, 2004
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by Smythe
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zero down investor mortgage in 2007 lmao
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Oct 27, 2016 04:09
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- Rime
- Nov 2, 2011
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by Games Forum
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I enjoy how they doubled-down on the garbage policy post-2008.
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Oct 27, 2016 04:12
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- I would blow Dane Cook
- Dec 26, 2008
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Can't post for 6 days!
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I'm the 40 year 0% down mortgage with first home buyer's tax credit that's insured by the government.
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Oct 27, 2016 04:39
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- namaste friends
- Sep 18, 2004
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by Smythe
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I'm the 40 year 0% down mortgage with first home buyer's tax credit that's insured by the government.
o that's good interference
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Oct 27, 2016 04:42
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- I would blow Dane Cook
- Dec 26, 2008
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Can't post for 6 days!
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quote:
War
So what will the numbers look like next week? As far as Vancouver goes, they’ll be brutal. Casualties downtown plus in the burbs. And if Will Dunning’s correct, people in Halifax, Winnipeg, Victoria and that flat part in the middle can expect more of the same.
In a moment, the latest body count from YVR. First, what economist Dunning says is going to happen. By the way, this guy’s been in the housing analysis biz for 34 years, half of which were spent at CMHC. These days he’s chief economist for Mortgage Professionals Canada. Pray for him.
Dunning has released a report called ‘Slamming on the Brakes’ wherein he claims the finance minister’s October 3rd announcement (including the MST – Moister Stress Test) is about to rip through the entire real estate market. This is what he forecasts.
Activity nationally will decline by up to 20%.
“These effects will occur in all regions of the country. The majority of market areas in Canada will move from balanced to weakness.”
The economy will be hit. “Job losses will occur as a result of a weakened housing market.”
Families will stop buying until prices plunge. Yes, the reverse of FOMO. “Expectations of price reductions can deter potential buyers from purchasing, with the potential to cause prices to fall by more than they ‘should’. This would be a self-reinforcing expectation…”
About 50,000 construction jobs will be lost.
Rents will rise, since fewer people will be buying and vacancy rates squeezed.
Mortgage rates will increase, as the MST reduces loan volumes and leads to less competition.
Ouch. Could such things actually occur here in Canada – where the laws of economics don’t apply? Where interest rates can never rise and caesarstone counters are an inalienable right?
Actually, they already are. So don your combat helmut and flak vest and crawl with me through the razorwire into the mayhem of Vancouver. Hey, here’s famous Re/Max realtor Steve Saretsky lying prone in a puddle of indistinguishable battle goo. Whazzup, Steve?
“It’s evident we have witnessed the peak of home prices,” he whispers weakly, quoting his recent blog. “I believe we have just witnessed one of the most impressive housing bubbles in history.” A small scarlet rivulet flows from the corner of his mouth.
The fact is buyer demand has crashed and burned as a result of Morneau’s mortgage mayhem, combined with the Chinese Dudes tax, layered over a market which speculation and greed had shoved to unsustainable heights. The sales-to-active listing ratio has cratered, and demand’s fallen every single month since it peaked in March. Van West, Van East, Richmond and Burnaby are now all (officially) buyers’ markets, with almost a year’s worth of houses piling up.
“Demand continues to drop,” Steve murmurs, his twitching face bearing witness to the blunt agony of shattered limbs, perforated organs and lost commissions. “The detached market clearly favours the buyer and will almost surely be the same for the condo/townhouse market in the coming months. It seems like an absolute certainty that the new lending policies will slow the market further.” And he goes silent.
On the battlefield, sellers are losing badly. In the first three weeks of October sales have collapsed year/year by 72% (almost 760 last year, just 150 now). Average prices have quickly and dramatically retreated to 2014 levels, and continue to erode. Six months ago 61% of all detached homes trading hands sold for more than the vendors were asking. This month that’s dropped to just 11% – proving there are some greater fools left on the loose.
This means almost 90% of all detached houses in YVR – the crown jewels of Canadian real estate a year ago – are trading for less than list. Soon it will be 100%, and soon after that, prices will fade as buyers realize bidding wars are done, sellers are getting whipped, and they can pony up a lot less. It’ll take some time for this message to ripple, street-to-street, given the opacity of real estate information. After all, the first casualty of war is truth.
At the moment there are about 3,400 detached houses on the market in Vancouver. This month 150 sold. Do the math. Prepare.
http://www.greaterfool.ca/2016/10/26/war-2/
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Oct 27, 2016 05:05
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- ocrumsprug
- Sep 23, 2010
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by LITERALLY AN ADMIN
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Yeah, but in my experience a lot of people have family or friends involved in subsidized industries that don't want them to be out of a job, and it only takes a small group of dedicated people to get some new subsidy passed that lawmakers don't really understand. Especially if some of those people are rich. And with the political churn, even if a subsidy is killed in one province they can convince people in another province to support it, or eventually get it restarted back in the original province.
I'm interested to see if the current wave of killing film tax credits in the States lasts, or whether they start up again in a few years.
Even if they provide a subsidy, the same bumblefuck politician can just make a subsidy 1% more than your and welp you are out of a job and packing up to parts unknown anyways. There is no point to play, or for anyone that in the industry to support them.
Everyone that was working in games in Vancouver 6 years ago that is now pretending to learn french in Montreal is there because the subsidies exist, not because they don't.
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Oct 27, 2016 05:53
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- namaste friends
- Sep 18, 2004
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by Smythe
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http://www.macleans.ca/economy/economicanalysis/when-it-comes-to-canadas-housing-market-were-in-the-dark-here/
quote:
We’re in the dark when it comes to our housing market
Ottawa is quickly rolling out many economy-shaping government policies—but they’re not giving us information about their potential impact
It’s been a busy few months in the political sport of real estate bubble-wrangling. What started with the B.C. government’s snap decision this past summer to impose a 15 per cent tax on foreign buyers continued when Ottawa rolled out measures to tame the real estate sector, such as making it tougher to get mortgages and limiting lenders’ access to mortgage insurance. That will unfold further as the federal government looks for ways to unload some of the risks of bad mortgages onto lenders, rather than have taxpayers shoulder all the burden.
All big moves, indeed. So here’s a question: has there ever been a time when so many economy-shaping government policies were rolled out so quickly but with less knowledge about their potential impact? We know the housing market is a significant and growing share of Canada’s economy—one might even argue that real estate now is Canada’s economy. What we don’t know is just about everything else about it. Canada’s housing market is an information black box. To borrow Al Pacino’s classic snarl, when it comes to housing, we’re in the dark here.
It doesn’t need to be said this is an awful way to do policy, and there’s some measure of irony that the mantra of “evidence-based policy” is so pervasive right now. The stumbling path governments took before deciding to act on the issue of foreign buyers is a case in point. While many speculated foreign buyers were driving Vancouver home prices to ridiculous heights, as recently as a year ago the B.C. government and the local real estate industry pointed to a lack of data and dismissed such fears. The Canada Mortgage and Housing Corporation, the taxpayer-backed mortgage insurer, weighed in with its own assessment that foreign property purchases were a small part of the market. Then as the backlash grew this past spring, the B.C. Liberals changed tack, rushed out data showing foreign buyers accounted for 10 per cent of the value of Metro Vancouver sales, and imposed a 15 per cent tax on foreign buyers—which conveniently delivered a big boost to Premier Christy Clark’s popularity in the process. For its part, the Trudeau government’s first budget set aside $500,000 for Statistics Canada to study the question, but without the results in hand, it moved to close a tax loophole it said was benefiting foreign buyers.
The truth is, we still have no idea how big an impact foreign buyers have had in Canadian real estate. It means we also don’t know whether the slowing of Vancouver’s housing marking is attributable to the tax on foreigners, or if other factors are at play.
What other information gaps do we have? There are almost too many to count, but one of the largest, as far as homebuyers are concerned, is the continued lack of transparency around sales and pricing in the resale market. For all the efforts by Canada’s competition watchdog to open up access to basic real estate data, it remains firmly under the control of a self-interested monopoly of realtors.
More questions: How prevalent is flipping? How many people have bought multiple properties? What is the average down payment of mortgages held by the various banks? How many down payments are gifts? What is the average mortgage payment at the various banks? How many struggling homeowners have had their mortgages modified by lenders, which might keep them from showing up in delinquency statistics when markets are rising, but also could result in a pool of barely solvent borrowers who run into trouble en masse when prices fall? How many homeowners have second, third or even fourth mortgages? How big is Canada’s private lending sector, meaning those lenders not overseen by the country’s banking regulator, and where do they operate? How many homeowners have borrowed against the equity in their homes to themselves invest in private mortgages for buyers turned down by conventional lenders? You get the point. In other countries, the answers to many such questions are readily available.
Here’s just one little example of how new information can change our understanding of the market. There was a time when those downplaying fears about household debt levels would regularly point to Canada’s record low debt-service ratio, a measure of the share of household disposable income needed to meet debt obligations. The ratio was low, of course, because interest rates are low. What this argument always failed to note, though, was that the Statistics Canada release only captured interest payments, and not repayment of the original borrowed amount.
Then last year the agency changed how it measures the ratio to include principal payments, which brought it in line with how the U.S. measures debt obligations and painted a far more worrisome picture of household finances (see chart). As such, you don’t hear the debt-service ratio trotted out anymore to dispel concerns about household debt in Canada.
The absence of reliable data about the housing market, lending practices and household finances is arguably reflected in the relative lack of academic research into those issues. Consider this: recent moves by the provinces and Ottawa to put a price on carbon have led to something of a stimulus boost for academic economists, resulting in a flood of research papers and commentary analyzing how various carbon pricing mechanisms would impact the economy. Ottawa’s attempts to tighten lending practices have drawn far less in-depth analysis. Maybe that makes sense. Economists develop theories and build models to test those theories, yet there are simply too many gaping holes in our understanding of the housing market to effectively do that.
The Bank of Canada does try, mind you. It has an army of economists at its disposal and the best access to housing-related data of any organization in the country, and while the reports they produce on the subject don’t get as much attention as they should, they’re invaluable nonetheless. Yet the Bank really can’t say how the various housing measures taken by governments in recent months might impact the economy—its latest Monetary Policy Report estimates real GDP growth will take a 0.3 percentage point hit by the end of 2018 as a result of the new mortgage rules, but cautioned, “There is considerable uncertainty around the overall impact of these new measures on the economy.”
When it comes to understanding Canada’s primary economic growth engine and how policy changes affect it, the most effective tactic might be throwing darts at spreadsheets.
It’s all a depressing reminder that in Canada, transparency remains a dirty word and paternalistic attitudes about protecting the public from information prevail.
So realtors continue to argue that restricting access to listings protects Canadians’ privacy.
So Bank of Canada governor Stephen Poloz, appearing at a Senate committee last week, argued against the release of minutes from the Bank’s internal deliberations—as is done in the U.S.—because it might curtail frank debate.
And so Canada’s anti-money-laundering watchdog refused to disclose which bank it fined for not reporting suspicious transactions earlier this year, arguing it was enough to say a fine was issued.
Is it any wonder we know so little about what’s really going on in the housing market?
The result is an information vacuum to be exploited by politicians and self-interested voices in the industry. This isn’t an argument that Ottawa shouldn’t be working to bring sanity back to the housing market. Lending standards for mortgages have been too loose, foreign buyers should face the same rules as Canadian buyers, and lenders should have more skin in the game. The problem is, information gaps that existed for years as the bubble inflated have little chance of being addressed now, as policy-makers scramble to deal with an overheated market.
All they can do is stumble in the dark.
guys, our privacy
thank u realtors
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Oct 27, 2016 06:20
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- I would blow Dane Cook
- Dec 26, 2008
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Can't post for 6 days!
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“The Realtors are very private about their listings” A law requiring them to disclose listings, Kwan said, “goes against our culture.”
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Oct 27, 2016 06:25
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- cowofwar
- Jul 30, 2002
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by Athanatos
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Sweet, we're likely moving to Vancouver next year so it would be nice to pick up a house for cheap off an over leveraged idiot.
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Oct 27, 2016 14:12
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- peter banana
- Sep 2, 2008
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Feminism is a socialist, anti-family, political movement that encourages women to leave their husbands, kill their children, practice witchcraft, destroy capitalism and become lesbians.
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Of the many things that have made this housing bubble crazy, this one gets me the most because it's the most, idk, Canadian? In the sense hat a relatively small but powerful industry or industry group can completely gently caress over every consumer in the sector, just by not doing something that any decent government would force them to do.
When you look at property in the states through Zillow, it tells you the last price it was sold for, any price changes, days on the market and will even give you an estimate of the offer you should make. Here, if a listing's been up to long the realtor just delists it and relists it to juke the stats. loving disgraceful and typical.
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Oct 27, 2016 14:30
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- vyelkin
- Jan 2, 2011
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I finally found peak CanEcon:
https://medium.com/@jcph/announcing-seizin-inc-2a04ab019cf6#.n9t67af9m
It's a startup app... to disrupt the real estate market.
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Oct 27, 2016 15:43
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- dev286
- Nov 30, 2006
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Let it be all the best.
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Of the many things that have made this housing bubble crazy, this one gets me the most because it's the most, idk, Canadian? In the sense hat a relatively small but powerful industry or industry group can completely gently caress over every consumer in the sector, just by not doing something that any decent government would force them to do.
When you look at property in the states through Zillow, it tells you the last price it was sold for, any price changes, days on the market and will even give you an estimate of the offer you should make. Here, if a listing's been up to long the realtor just delists it and relists it to juke the stats. loving disgraceful and typical.
Realtors have a very direct interest in inflating prices, stoking bidding wars, pushing people to get huge mortgages.
Prices are all over the map and a good agent can squeeze every penny out of buyers in a time of low inventory.
When this bursts it will be apocalyptic. It hasn't even started yet. But it will, and it will be bad.
I have such a hatred for realtors because if this. They don't care, they just want their percentage. And when this all collapses they will walk away with no consequences.
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Oct 27, 2016 15:45
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- Postess with the Mostest
- Apr 4, 2007
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Arabian nights
'neath Arabian moons
A fool off his guard
could fall and fall hard
out there on the dunes
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Interesting, it would have to be scraping MLS for comparables which is what they shut Zoocasa down for (but apparently they just came back up). Maybe that's the reason for limit of 3 comparables.
quote:
The Toronto Real Estate Board sent a letter to all members this month warning that those who violate strict rules on sharing sales data could lose access to the Multiple Listings Service, the lifeblood of most realtors. The letter also prompted Bosley Real Estate to strip data on sales from a mobile app it offers to prospective home buyers.
The warning by the real estate board is the latest development in a battle that has been raging for years over how much data real estate brokers can make public, particularly online. While Canada’s largest local real estate board allows traditional bricks and mortar brokerages to hand out data on recent sale prices to clients, it has been cracking down on the growing number of online-only real estate brokerages, known in the industry as “virtual office websites,” that have been offering the same data in bulk to the public.
Under current rules, online brokerages can only provide data to subscribers, not on publicly accessible websites, and only with the permission of the buyer and seller. The real estate board warned that some virtual brokers have recently been pushing the limits.
“TREB has agreements and rules in place,” the board said in a statement e-mailed to The Globe and Mail. “But more importantly, there are laws and regulations, including privacy, contractual and [regulatory] rules that apply with which TREB and realtor members must comply.”
http://www.theglobeandmail.com/real-estate/the-market/zoocasa-to-stop-publishing-home-sale-data/article23235249/
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Oct 27, 2016 15:56
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- dev286
- Nov 30, 2006
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Let it be all the best.
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Just gotta hope the Singularitarians are right and that by 2050 we can all upload our brains to San Junipero for retirement+
Didn't get this till I watched that ep last night...
Seems nice
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Oct 28, 2016 13:26
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- velvet milkman
- Feb 13, 2012
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by R. Guyovich
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In terms of people ripe for eventually getting completely hosed and ~disrupted~ by a stupid app, realtors are top tier
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Oct 28, 2016 14:14
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- quaint bucket
- Nov 29, 2007
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Buy now or forever get marginally priced out over a span of undefined amount of time
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Oct 28, 2016 21:07
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- Adbot
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ADBOT LOVES YOU
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May 5, 2024 00:07
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Oct 27, 2016 02:01
