Users: Brian Ripley: All Pages

Mortgage Pmt % of Income
Mortgage Pmt % of Income
The worsening of (housing) affordability in Q4 (2016) was the sixth quarterly deterioration in a row, the longest...
Brian Ripley
Canadian IT Skills
Canadian IT Skills
Only around a third of workers have more advanced cognitive skills that enable them to evaluate problems and find...
Brian Ripley
Need for Speed - chpc.biz
Need for Speed - chpc.biz
Apparently Harry Dent has increased his retracement target from a 43% to a 64% drop from the highs of last year's...
Brian Ripley
Student Pimping
Student Pimping
The chart shows the number of students pimping themselves out to pay for education, room and board in some selecte...
Brian Ripley
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BIS housing price index data of Australia, Canada, U.S. Germany and Japan
BIS housing price index data of Australia, Canada, U.S. Germany...
Chart comparing the BIS housing price index data of Australia, Canada, U.S. Germany and Japan. I have mashed it up...
Brian Ripley
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ranking of cities with respect to house price to rent and house price to income ratios.
ranking of cities with respect to house price to rent and house...
Charts are from the OECD via the IMF showing the recent ranking of cities with respect to house price to rent and...
Brian Ripley
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Real 1st Mortgage rates are 6%
Real 1st Mortgage rates are 6%
Mr Cashin remarked that a conventional 1st mortgage rate in the private market would be set at 6%.... If we had a...
Brian Ripley
Manufacturing wages in Canada, USA & Mexico
Manufacturing wages in Canada, USA & Mexico
Manufacturing wages measured in USD since the gloom of 2009 in Canada, the U.S. and Mexico. More at www.chpc.biz
Brian Ripley
OECD Real House Prices
OECD Real House Prices
In the meantime, "The OECD warns that a low-growth trap has taken root, as poor growth expectations further depres...
Brian Ripley
Oil Stock Inventory
Oil Stock Inventory
Videos included: Grim expense report: Alberta's debt soars to $10.9 billion AND The Grand Opening of the Tesla Gig...
Brian Ripley
Big Oil Net Debt to Equity
Big Oil Net Debt to Equity
"Some of the world’s largest energy companies are saddled with their highest debt levels ever as they struggle w...
Brian Ripley
Luxury Spending
Luxury Spending
Chronically low interest rates since the Pit of Gloom in March 2009 have fueled a huge credit bubble in Canada. St...
Brian Ripley
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FinTrac Dirty Laundry
FinTrac Dirty Laundry
Businesses suspected of being involved in ML/TF (Money Laundering and Terrorist Financing): import/export (e.g. f...
Brian Ripley
Savings Rate, Retail Sales & Home Ownership
Savings Rate, Retail Sales & Home Ownership
Did we (Canadians) import a Boom? As the mashup of charts demonstrates, Canadians have gone all in on the consumption...
Brian Ripley
Vancouver Real Estate Unaffordability
Vancouver Real Estate Unaffordability
Not only does cash (money) 'feel' as if it has no value but realtors and developers also don't know what the value...
Brian Ripley
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Commodities 1980-2016 & High Yield Defaults
Commodities 1980-2016 & High Yield Defaults
The top panel in the mashup above is the Thomson Reuters Commodity Index chart since the 1980's provided by Kimble...
Brian Ripley
Fox Trot by Bill Amend
Fox Trot by Bill Amend
Encouragement can be found in Warren Buffett’s admonition in the Berkshire 2006 annual report, which I (Frank Ma...
Brian Ripley
Credit Boom, Credit Bust Price vs Value
Credit Boom, Credit Bust Price vs Value
The ratios of average housing prices to average incomes are 13.2 in Vancouver and 7.7 in Toronto. These can only b...
Brian Ripley
A Condo's Physical Life Span
A Condo's Physical Life Span
Some experts go so far as to predict that replacing the all-glass outer layers of buildings may become necessary a...
Brian Ripley
Oil & Gas Reserves % of Loans
Oil & Gas Reserves % of Loans
I suspect Canada's "information regime" is going to change abruptly if it has not not already. Loans officers are...
Brian Ripley
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Business Investment
Business Investment
"... for 2015 is depressing enough—but as the chart shows, Canada’s poor private investment performance in 201...
Brian Ripley
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S&P Case Shiller vs Vancouver Housing
S&P Case Shiller vs Vancouver Housing
The release of the latest S&P case Shiller Home price index caught my eye because of the 34-36% increase in the U....
Brian Ripley
High Yield Distress
High Yield Distress
​In other words, what was until a year ago a purely "energy" phenomenon is now an "everything" phenomenon, despi...
Brian Ripley
Credit Default Cycles
Credit Default Cycles
The top panel shows U.S. non-financial corporate debt to GDP at levels where credit defaults start hitting the fro...
Brian Ripley
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$35 Dollar Oil Stress Test
$35 Dollar Oil Stress Test
Imagine $35 Oil for 5yrs A US-Style Canadian housing correction possibility is a potential that CMHC's CEO Evan S...
Brian Ripley
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GDP Growth Rate of Canada, U.S. & Japan
GDP Growth Rate of Canada, U.S. & Japan
The chart shows the GDP growth rate in Canada, the U.S. and Japan since before the 2009 Pit of Gloom to 3Q 2015...
Brian Ripley
Canadian Credit to Sept 2015
Canadian Credit to Sept 2015
In Canada average earnings are under pressure and credit creation is stalled. More charts at www.chpc.biz
Brian Ripley
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San Francisco & Vancouver Housing
San Francisco & Vancouver Housing
Residential Mortgage Debt as a % of GDP (Sep 2014) Australia (AUS) Debt/GDP 81% Canada (CAD) Debt/GDP 77%​ U....
Brian Ripley
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ISDS Growth since 1987
ISDS Growth since 1987
Who will benefit from the Trans-Pacific Partnership? "The troubling, explosive growth of such cases point to a li...
Brian Ripley
U.S. Debt Surveys 2004-2010
U.S. Debt Surveys 2004-2010
Do We Know What We Owe? Consumer Debt as Reported by Borrowers and Lenders. Mashup of U.S. Home Ownership chart an...
Brian Ripley
Canada underperforms the OECD
Canada underperforms the OECD
The Bloomberg piece does suggest that current economic policy (in Canada) in the last decade has been, if anything...
Brian Ripley
MIT Inflation Rate
MIT Inflation Rate
Here are a few charts tracking inflation data. Since the 1980's inflation highs in Canada, the U.S., Germany and J...
Brian Ripley
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Ratio of Bank Credit to GDP since 1870
Ratio of Bank Credit to GDP since 1870
"The negative feedback loop of falling stocks in a world of extremely tepid global demand might just make the craz...
Brian Ripley
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Full time employment in Canada plunged in the last month as the global commodity crash continues to plumb new lows...
Brian Ripley
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Canadian Export-Import Prices, Corporate Profits, GDP & Savings Rate
Canadian Export-Import Prices, Corporate Profits, GDP & Savings Rate
“There is no sugar coating this one, it's a sour result” said BMO chief economist Douglas Porter. Canadian Pre...
Brian Ripley
Canadian Percentage Employment Rate Chart
Canadian Percentage Employment Rate Chart
New Chart. Canadian Employment Rate ( employment/population ratio) - Canadians are becoming less employed especial...
Brian Ripley
Real Estate and the Yield Curve
Real Estate and the Yield Curve
Fundamentals today are getting repriced in Real Estate and the Yield Curve (and other asset classes). Appraisers w...
Brian Ripley
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Canadian Housing Starts 1955 to NOW
Canadian Housing Starts 1955 to NOW
New Chart: Canadian Household Debt, GDP, Foreign Direct Investment and Balance of Trade ITEM: Canada is the fifth...
Brian Ripley
Canadian Home Ownership & Balance of Trade
Canadian Home Ownership & Balance of Trade
Still Running on Fumes We are leveraging the lowest priced credit for the most expensive non-productive real esta...
Brian Ripley
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CPI Inflation US+Canada 2008-2015
CPI Inflation US+Canada 2008-2015
The USD/CAD ratio has turned up this past week. A strong U.S. Dollar will mute U.S. inflation since domiciled U.S....
Brian Ripley
10 Yr Bonds & USD May 2015
10 Yr Bonds & USD May 2015
"Liquidity is the most under appreciated risk factor out there. We've seen the bond market reprice to an understandin...
Brian Ripley
Real Estate Stocks April 24, 2015
Real Estate Stocks April 24, 2015
Rick Ackerman looks at shorting U.S. home builders, his notes and a chart are below. I added more real estate sect...
Brian Ripley
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U.S. sectoral financial flows add up to zero.
U.S. sectoral financial flows add up to zero.
Balanced Budget Bluster Joe Oliver presented the delayed Canadian Government's budget yesterday and touted it as...
Brian Ripley
Vikram Mansharamani, BOOMBUSTOLOGY
Vikram Mansharamani, BOOMBUSTOLOGY
Why Vikram Mansharamani is shorting Canada "BUBBLES ARE NOT RANDOM" - 9 minute BNN video interview plus my text bu...
Brian Ripley
Alberta SWF compared to Norway 1981-2011
Alberta SWF compared to Norway 1981-2011
This Bird Has Flown Alberta's so called "progressive" conservative governments; 7 consecutive iterations since 19...
Brian Ripley
The link goes to a 30 year chart that compares Alberta's Energy Fund to Norway's. My apologies if you have seen this post before, but I'm trying to figure out if my...
HISTORY & READINGS at Brian Ripley's Canadian Housing Price Char...
The link goes to a 30 year chart that compares Alberta's Energy Fund to Norway's. My apologies if you have seen th...
Brian Ripley
Unsold Toronto Condos & Rental Glut, Feb 24, 2015
Unsold Toronto Condos & Rental Glut, Feb 24, 2015
Toronto Condos pile up on a 21 year high. "10,368 condos were completed in January 2015 in Toronto a record 21 y...
Brian Ripley
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Y/Y Global Growth in Energy Products
Y/Y Global Growth in Energy Products
There are several reasons why lower crude oil prices so far seem to have failed to stimulate demand. Those include...
Brian Ripley
Canadian Trade Balance January 2015
Canadian Trade Balance January 2015
Dollar Depreciation Canada Edition - 4 of the last 6 months of Canadian trade balances have been negative. Big...
Brian Ripley
Bank of Canada Housing Overvaluation Estimate
Bank of Canada Housing Overvaluation Estimate
Arthur Schlesinger's cyclical theory defined cycles to be “self-generating and autonomous”. 2 more charts and...
Brian Ripley
Debt to Income Ratio
Debt to Income Ratio
There are 3 charts on this page. The top panel shows Canadian Government Spending vs Labour Force Participation an...
Brian Ripley
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Vancouver is the most unaffordable city in Canada requiring a buyer to pay 10.6 times annual income. Vancouver ran...
Brian Ripley
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Price & Earnings Deflation 2008-2014
Price & Earnings Deflation 2008-2014
The charts above show the ongoing DEFLATION in consumption prices and wage earnings. The top panel is the MIT Bill...
Brian Ripley
Top 25 Proved Natural Gas Reserves
Top 25 Proved Natural Gas Reserves
Beijing is already massively investing in new roads and bridges along the Eurasian land bridge – another denominat...
Brian Ripley
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Canadian Real Estate, the Black Swan and the Russian Bear The Slope upload app does not want to grab the chart of USD:CAD & Oil Index. Click to view the big mov...
Swan and Bear - chpc.biz
Canadian Real Estate, the Black Swan and the Russian Bear The Slope upload app does not want to grab the chart...
Brian Ripley
George Orwell's 1984 Map of the World
George Orwell's 1984 Map of the World
Pepe Escobar sums up what is driving current global geopolitics and war: "What you’re really talking about is wh...
Brian Ripley
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Real Price of Vancouver, Calgary & Toronto SFDs
Real Price of Vancouver, Calgary & Toronto SFDs
NEW CHART shows the average price comparison of Vancouver, Toronto & Calgary SFDs denominated in CAD and USD along...
Brian Ripley
Cheapest building lot on the west side of Vancouver Dec 2014
Cheapest building lot on the west side of Vancouver Dec 2014
For some reason the Slope app will not pick up the first image on this post of the 3 panel chart showing lending t...
Brian Ripley
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BDI 1985-2013
BDI 1985-2013
The Slope upload app is not loading all the charts I wanted to archive. It seems to be hit & miss, sometimes the a...
Brian Ripley
Part Time Canadian Workers
Part Time Canadian Workers
The jump in low-skill entrants to Canada comes at the same time that preliminary estimates show a decline in the t...
Brian Ripley
Temporary Foreign Workers & Offshoring
Temporary Foreign Workers & Offshoring
Businesses are running out of (good) jobs to outsource, but we can still outsource the crappy ones eh! By 2016...
Brian Ripley
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EuroLand Deflation Sept 2014 Data
EuroLand Deflation Sept 2014 Data
I noticed on my Twitter feed a chart on the Eurozone members' inflation rates and lack thereof. Almost half the me...
Brian Ripley
China 70 City Home Prices in 18 Month Slump
China 70 City Home Prices in 18 Month Slump
CHINESE HOUSING GRINDS LOWER When it comes to net worth, what the stock market is to the US, housing is to China....
Brian Ripley
Eurozone negative rate policy fails to get private sector borrowing
Eurozone negative rate policy fails to get private sector borrowing
The Eurozone central bank nominal negative rate experiment started in June 2014 but is getting panned by the priva...
Brian Ripley
Estimated Home Ownership in Canada 1971-2013
Estimated Home Ownership in Canada 1971-2013
Canadian Home Ownership is high and was: 60% in 1971 63% in 1991 68% in 2006 69% in 2011 70% in 2013 More...
Brian Ripley
U.S. Homeowners vs Renters 1966-2013
U.S. Homeowners vs Renters 1966-2013
When Real Estate Deflates, Owners Become Renters This chart shows the major shift in sentiment and ability when...
Brian Ripley
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Aggregate Loan to Value Ratios 1910-2010
Aggregate Loan to Value Ratios 1910-2010
When prices stop rising, the boom collapses and because there has been no increase in business investment other th...
Brian Ripley
CMHC Mortgage Creation to 2016
CMHC Mortgage Creation to 2016
Post WW2 and 1970's inflation, Canada has been late to the party and the ongoing Canadian mortgage creation boom r...
Brian Ripley
Percent of total bank lending 1928-2007
Percent of total bank lending 1928-2007
U.S. mortgage loans in banks’ total lending portfolios have doubled from about 30% in 1900 to about 60% today....
Brian Ripley
Billionaire Census 2014
Billionaire Census 2014
The Wealth-X and UBS Billionaire Census 2014 Record number of billionaires (now): 2325 Billionaires combined net...
Brian Ripley
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Vancouver's Olympic Village price reductions from 2011-2014 are 20% and more
Vancouver's Olympic Village price reductions from 2011-2014 are...
The rush to do deals in Vancouver prior to hosting the 2010 Winter Olympics led to "an assessor being overly aggressi...
Brian Ripley
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The U.S. Case-Shiller 20 City Composite housing data to July 2014 were released and looking at the M/M and Y/Y charts it's easy to see that seasonal buying has agai...
Is the Case Shiller data in a Secular Downtrend? - chpc.biz
The U.S. Case-Shiller 20 City Composite housing data to July 2014 were released and looking at the M/M and Y/Y cha...
Brian Ripley
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Overslept, so tired, if late, get fired. Why bother? Why the pain? Just go home, do it again. More at www....
Brian Ripley
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Savills' Thumbnail Real Estate Evaluation Shanghai, Moscow & Mumbai Potentially over-valued with weak or falling...
Brian Ripley
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Size matters but fundamentally overpriced housing in Canadian metros is being fueled by planners thinking in small...
Brian Ripley
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Intentional Communities Notice in the upper chart of Canadian Disposable Income that "Economic Families" have t...
Brian Ripley
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In the U.S. those in the lowest 20% quintile had a negative median net worth of -$6,029 in 2011, compared with -$9...
Brian Ripley
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Canada’s poorest 10% of the population saw their net worth drop some 150% since 2005. They have an average net w...
Brian Ripley
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What could disrupt the boom? The disrupters are innovation (Elon Musk etal), a rising supply of energy (U.S. fracking...
Brian Ripley
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The main driver of the 2005-09 surge in the BDI was linked to commodity prices, particularly oil. The index then p...
Brian Ripley
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“We will increase the fluidity of information and ideas by taking actions to flatten the organization and develo...
Brian Ripley
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It’s always a time to rent or buy unless you're Hikikomori. I mashed up the chart above from Mercer via ZeroHedg...
Brian Ripley
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Stealth Money - Taxation and Corporate Invisibility LONDON: Since you do not pay taxes just to live there (in Lon...
Brian Ripley
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Pimp that loan U.S. style. There was a regime change, January 2014, at the Federal Housing Finance Agency where Ed...
Brian Ripley
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Now another reversal is underway even as headlines trumpet new highs on selected pieces of art: "Christie's racks...
Brian Ripley
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"Hedge Fund guys are the new Japanese." Old time realtors who worked through the flat market of the 1970's and the...
Brian Ripley
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This is the chart I wanted to post. (I had to reduce my browser size to 75% to get the Slope of Hope chart stacker...
Brian Ripley
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When I saw this chart of Canadian Realtor Population growth which in the last 40 years has spiked by 336% or six t...
Brian Ripley
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The Asian Miracle is not going to be canonized this year. The chart mashup shows that commodity returns can pea...
Brian Ripley
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The Chinese housing index has rolled over on a steep dive and the China chart mashup from Bloomberg's Tom Orlik sh...
Brian Ripley
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Demand is Local, Supply is Global. As the USD strengthens, the U.S. consumer inflation rate continues to drift dow...
Brian Ripley
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Oil Can Economics Canadian Oil Production UP 12% Y/Y at Dec 2013 - 3,822,000 Barrels per day U.S. Production (2...
Brian Ripley
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"When the tree falls the monkeys scatter". The chart mashup shows China's national real estate development and sal...
Brian Ripley
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U.S. Dollar Strength From the early 1990's to the early 2000's, the USD/CAD was trending up and increasing Canadia...
Brian Ripley
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Canadian exports are not booming, there is a global slowdown in demand for commodities, finished products and serv...
Brian Ripley
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Canada's Minister of Finance suddenly resigned earlier this week. The government's major fiscal policy plank is to...
Brian Ripley
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Bear in a China Shop: Bloomberg News is reporting today that "Chinese real estate developer with 3.5 billion yuan...
Brian Ripley
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"GDP growth continues to be low in the U.S. and real total household wealth has stagnated and real median househol...
Brian Ripley
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Canadian Dollar Inflation - A falling $CAD relative to the $USD unit is going keep Canadian exports to the U.S. at...
Brian Ripley
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The Class Divide - Consumer confidence depends on where you live, what you are employed at, the availability of go...
Brian Ripley