Happy wife happy life

03.09.202203.09.2022 admin 0 Comments

Happy wife happy life

Origin of the saying “happy wife, happy life”

The well-known saying “happy wife, happy life”, despite its popularity, is not present in dictionaries. Nonetheless, there appear to be a fair amount of literature about it, such as:

I couldn’t find anything about its origin, and Google Books does not appear to be of much help here.

How old is this saying? Does it come from some work of classic literature of the Romantic period for instance? Is it BrE or AmE in origin?

3 Answers 3

The adage ‘happy wife, happy life’ could be said to have appeared at least as early as 1903, in the final verse of a choice bit of doggerel titled «The Work and Wages Party», where the parallel and rhyming phrases might as well have been no more than a congeries, rather than expressing causality:

I’m a work and wages party man,
I say that’s what I am.
You’ll find me true and hearty, man,
For that is what I am.
Now, let’s rejoice to end the strife,
With all the kids in clover,
A happy wife, a happy life,
And a jolly good turn over.

The working man’s song was in the neighborhood of three other articles about labor disputes.

From there, I find no further appearances until the adage shows up in a series of real estate ads in 1958, in Abilene, Texas. Here’s the earliest of the series:

ATTENTION MR.
ABILENE! HAPPY WIFE!
HAPPY LIFE!
HEAP O’ LIVIN’
1358 Leggett Drive.
2 bedroom, deck, plus every luxury in the book. Come by, take a look, and make an offer.

This is again not necessarily more than a congeries of phrases.

Sporadic use of the adage as ad-man’s fodder is not replaced by frequent use until the late 1990’s (1998), when Jeff Allan (aka Jeff Allen) adopts it for the title of a filmed compilation of comedic sketches, skits and social commentary.

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Happy wife — happy life, или как не стать «отчаянной домохозяйкой»

Домохозяйка — это работа. Как для любой работы нужны специалисты, так и домохозяйкой может стать не каждый.

Все люди разные. Есть те, кто обожает наводить порядок и уют, порхать с пылесосом и бороться с пылью на потолке с помощью пушистой щеточки. Есть те, кто любит печь пироги и готовить фаршированных уток. Есть любители цветов и ландшафтного дизайна. Есть швеи-вышивальщицы-вязальщицы на спицах. Но почему-то в общественном сознании считается, что раз ты родилась девочкой, то автоматически обладаешь всем списком нужных качеств, и вести домашнее хозяйство — это твоя цель номер один и вершина стремлений. А если ты матушка, то вообще без шансов: весь круг твоих интересов не должен выходить за пределы пресловутых ККК: Кюхе-Киндер-Кирхе («кухня-дети-церковь» — на случай, если кто не знает).

Нет, вы не подумайте, я люблю готовить, проводить время с детьми и ходить в церковь. Но, многие признают, положа руку на сердце, что эта «формула счастья» далека от идеала. Потому как не охватывает достаточно большую область современной жизни. В сегодняшнем мире большинство женщин живет по принципу, противоположному этой доктрине: карьера, пожить для себя, отношения без обязательств и тд. Нередко это приводит к поздним бездетным бракам и проживанию остатка жизни в погоне за ускользающей молодостью. Как найти баланс, чтобы, находясь дома, не потерять себя? Где грань между этими крайностями?

Эти вопросы долгое время зрели в моей голове. Когда выходишь замуж, ты учишься сразу трем новым ролям: как быть женой, мамой и домохозяйкой. И если в первой ипостаси поможет общение с мужем, а во второй — гормоны сами перестроят организм в режим материнства (или как его называет мой муж «наседки пок-пок-пок»), то с третьей составляющей сложнее: швабра и кастрюли — плохие собеседники, и идти тебе на встречу не спешат. Когда я была маленькая, мне всегда говорили, если хотели в чем-то упрекнуть: «Ты же девочка!». Будь то: «У тебя шнурок развязан, ты же девочка!» или «Ты сделала помарки и запачкалась в чернилах! Ты же девочка!» или даже «Зачем тебе водить машину? Ты же девочка!»

От последствий последнего стереотипа до сих пор не могу получить права. Мне даже приснился доктор Быков и сказал, что женщине за руль садиться нельзя. Был крайне убедителен, не езжу уже третий месяц:)

Так вот, благодаря таким не в меру конструктивным критикам, в моей детской голове засела истина: быть девочкой — сплошная головная боль, хочу быть мальчиком, с них спрос меньше. К тому же, меня больше привлекали компьютерные журналы, чем космополитен, а покупать новую одежду было просто каторгой и потерей времени.

Мне посчастливилось встретить человека, полюбившего и принявшего меня со всеми этими тараканами. И он помог мне наконец-то рассадить всех тараканов по своим скамеечкам. Получилось как-то так:

Делюсь простыми истинами, до которых я дошла за все это время.

Истина первая. Идеальных жен/мама/хозяек не бывает!
Распечатайте себе эту фразу на плакате и повесьте на видное место. Потому что мы, женщины, так устроены что нам ну непременно нужно себя с кем-нибудь сравнить. Мы на полном серьезе убиваемся, что вот у соседки Тани дома всегда чистота, а у меня игрушки валяются и пыль под диваном (кот чихал, я слышала),что подруга Маша печет сногсшибательные торты (а ты только печенюшки из магазина детям к чаю даешь), и дети у Вали в полтора года стихи рассказывают (а твоя дочка корову с трактором путает в два). И напрочь забываем, что Таня, Маша и Валя — три совершенно разных человека. Если мне говорят, что все мыслимые и немыслимые таланты собраны в одной личности, я отвечу, что это либо полные враки, либо эта личность — плод научной фантастики. Господь сделал людей разными, и они прекрасны в своей уникальности. Да, я не любитель танцев со шваброй, зато мне не лень фаршировать утку на обед, построгать оливье или откопать что-нибудь эдакое к ужину в интернете. Муж стал круглым и красивым:)

Истина вторая. Мама не картинка, а живая женщина.

И ей тоже необходим отдых, пища для ума и души и общение с людьми без памперса и пустышки. Это может быть поход хоть раз в месяц с подругами в кафе без детей, ванна с книжкой в тишине или поздний ужин с мужем, когда все уже спят. Женщины — от природы крайне общительные существа, им это необходимо как солнце для цветов: в тени жить могут, но завянут и будут постепнно угасать. Никто, кроме тебя самой, не знает твоего расстояния до точки кипения, и твоя задача — следить за тем, чтобы не достигнуть этой точки. Если чувствуешь, что опускаются руки, выйди на пять минут во двор, в ванну — куда-нибудь, где тихо. Сядь, отдохни, успокойся, наберись сил. Буквально сразу станет легче. И это намного лучше для климата семьи, чем когда мама на взводе, и все летает. Такие вещи нужно обговаривать вслух с мужем. Мой иногда сам меня выталкивает с книжкой в обнимку, когда видит, что я пытаюсь насыпать в чай соли вместо сахара.

Самой большой моей любовью является, конечно, клирос. Иногда у меня даже получается туда подняться, пока дети с бабушкой и дедушкой, — вот оно счастье!

А вообще не стать «отчаянной домохозяйкой» мне помогает фраза одной моей мудрой подруги: «Каждый день жизни неповторим. Именно сегодня проходит твоя молодость и детство твоих детей. И от тебя зависит, будешь ли ты проживать его и радоваться, или постарешься пробежать поскорее…»

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Один из лучших мужей из числа известных мне никогда не приходит домой без маленького сувенирчика или большого подарка, один из худших числится в дамских угодниках. Жена первого совершенно счастлива, жена второго льет слезы градом и люто ненавидит своего любимого.

Оба внимательны к женщинам, но совершенно по-разному. Первый долго присматривался и сомневался, не обманывают ли его, искренне ли любит его девушка, достаточно ли она хороша, чтобы раз и навсегда решить, что именно ей быть матерью его детей и бабушкой внуков. Второй быстро прикидывал, чего стоит очередная влюбленная особа, и быстро устанавливал близкие отношения, не боясь поменять если что. Первый брал на себя ответственность за все, что происходит с девушкой сейчас и будет в будущем. Он приравнивал себя к богу в ее судьбе и был внимателен к желаниям, но строг, так что устремляться к греховному она не могла и не хотела. Второй сам охотно сбивал с пути истинного. Но при этом, разрушив судьбу девушки, тотчас обвинял ее во всех мыслимых и немыслимых грехах и выбрасывал как негодную для него, такого чистого и непорочного.

Первый давал все, что мог, но ничего не требовал взамен. Тем не менее по отношению к нему было какое-то всеобъемлющее чувство долга. Второй, дав пустяк, тотчас требовал отдачи, и сразу возникал вопрос, не слишком ли много он хочет за свое ничто. Первый стремился чувствовать глубоко и очень огорчался, если жизнь заставляла быть несколько поверхностным. Второй чувствовал много и ярко, очень выразительно, впечатляюще, но по сути лишь гнал волну эмоций. После некоторого привыкания его чувства оказывались шелухой, не заслуживающей внимания.

Первый счастлив тем, что стоит во главе сильной красивой благополучной семьи. Это большая ответственность и множество забот, но он через все последовательно и успешно проходит. Второй успешно сбрасывает проблемы вместе с озадаченными барышнями. Все, чего у него нет, объявляет ненужным. В самом деле, зачем семья? Дети — обуза, а если очень захочется, так можно поинтересоваться судьбами брошенных, наверняка у кого-то растут дети от красавчика.

Первый живет с женой в глубоком взаимопонимании и, если она что-то говорит, непременно ищет единый для всей семьи интерес и либо принимает вариант жены, либо предлагает что-то лучшее, с чем жена легко соглашается. Он определенно умнее жены, с чем и она согласна, так что волевого противоборства и проблем из-за власти в семье не бывает. О втором в этом смысле сказать нечего, у него все девочки, девочки. Первый внимателен к чувствам и мыслям жены, потому что она помогает замечать важное. Второй внимателен к чувствам девочек, потому что их расположенность ему важна, во всяком случае на первых порах.

Как океан в капле воды, так первый видит все самое важное для этой жизни в желании жены. Чего хочет женщина, того хочет бог. Второй считает, что он для женщины — бог, и иногда хочет того, чего хочет женщина. В противном случае меняет ее на «свежевлюбленную», которая поначалу искренне хочет того же, чего хочет он.

Первый — постоянное счастье для немногих, их на пальцах одной руки пересчитать можно. Второй — сильное счастье и яркое воспоминание для десятков, если не сотен.

Когда придет время (не торопись, время!), упокоена будет душа первого. А второй будет вертеться в гробу как пропеллер.

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Дима Ионов, не нужно писать капслоком. Когда будет что сказать о статье, попробуйте снова и корректно.

Анекдот: «Если верно выражение, что чего хочет женщина, того хочет бог», значит бог хочет тряпок и замуж.

Если уж зашел пафос об упокоении и гробах, то без сарказма просто не обойтись.

А что если всякому реально будет «дано по вере его»? Так что первый будет вечность тащить свое ярмо, сколько бы «счастья» ему от этого ни было? А второй будет пить вино и бегать по херувимкам (или как там райских дев в христианстве называют)?

Статья неоднозначна, изображено черное и белое, а я люблю середину

Катя Марьина, к вопросу об оценках.
Не оригинально, не логично, не истинно. То есть единица по каждому из критериев. Верно?

Елена Ермолова, в данном случае это оценка точки зрения, представленной в статье. Да и по критериям: 1.логичность тут нельзя оценить, изложенное в статье относится к категории фундаментальных исходных принципов («философские, религиозные, социально-политические и другие положения, которыми неосознанно (стихийно) или сознательно руководствуются участники дискуссии». Логика. Учебник. В.И. Кириллов, А.А. Старченко), т.е. набору изначальных установок, свойственных каждому типу, определяющих мировоззрение.

2. Оригинальность отсутствует, в статье представлена точка зрения обывателя.

3.Истинность тоже оценить проблематично.

От меня лично: мне больше импонирует второй мужчина, а не первый. Первого я считаю убогим.

Лидия Богданова, каждый может поговорить о себе, но это не повод поговорить о нем. Здесь обсуждается статья, а не комментаторы.

Катя Марьина, да, Катя, я уже давно заметила, что вы нестандартная штучкаКстати, о статье, я ведь в данном контексте о ней, вас поддерживаю, мне тоже кажется, если не убогим, но слегка скучным, первый типаж мужчины

Лидия Богданова, вы похожи на Дульсинею Питерскую.

Катя Марьина, правда? И кто она такая

Лидия Богданова, да Вы это и есть.

Игорь Вадимов, иногда строго противопоказанные вещи оказываются самым тем, что надо для счастья.

Спасибо за понимание.

«Большая ответственность и множество забот», через которые он «успешно проходит» рисует образ полоумного дурачка, погрязшего в проблемах и заботах, от которых он получает «огромное удовольствие». Да, бывают и такие.

Снова знакомый до сухости в горле, суконный язык, явное расстройство причинно-следственных связей и элементарной последовательности в рассуждениях.

И, конечно, «радует» авторская «прозорливость» в чужих отношениях, который умеет со стороны все так разглядеть, чтобы делать такие «глубокие» конклюзии. Ох, этот взгляд со стороны, когда все все видят и знают, как хорошо, а как плохо.

Елена Ермолова, зато истинное. Или вы знаете какую-то третью причину? Тогда назовите.

Елена Ермолова, вам знакомо значение слово «абстрактный»? Или абстрактно для вас все, что непонятно и неприемлемо?

Это мнение, причем общее (я здесь совершенно неоригинален), большинства мужчин, которые уже затащили женщину в койку и познакомились с тем, что происходит после этого.

Но, конечно, это только инстинктивное мужское начало. Ведь есть еще желание создать семью, наплодить себе наследников и ходить на праздники на елку и в ресторан.

Игорь Ткачев, лелейте свои комплексы где-нибудь еще. Авторам запрещено отвечать комментаторам в их тоне, да и не хочется, потому я ограничусь сказанным, и кто захочет, тот повеселится.

Елена Ермолова, вы послушная девочка. Рад за вас-)

Игорь Ткачев, ну вот с чего Вы взяли, что автор статьи принуждает Вас молиться на Первого? Это, простите, Ваши стереотипы принуждают Вас так думать.

Здесь же просто зарисовка, наблюдение, а выводы каждый делает сам.

Касаемо «сильного неимоверного счастья» и «глубокого взаимопонимания» так это авторский стиль, это придает ее статьям шарм и делает их узнаваемыми. Без этого ее статьи будут из раздела «На правах рекламы»-прилизанные, приглаженные и такие же скучные. Вы их еще читаете?

Вот ВАМ так нельзя писать, а ей можно, потому что это Её Стиль.

Кстати, исключительно только по причине Вашей щепетильности в этих вопросах: идЕалистов. Уверена, что описались.

Ева Русски, это не стиль. Это его отсутствие.
И весьма дурной вкус, и к тому же легкое слабоумие тех, кто это находит восхитительным.

И я не надеялся, что от вас, как от стены горохом будет отлетать все, что вам не понравится, или то, что выше вашего понимания. Я пишу это для тех, у кого есть мозг. И кто способен думать и анализировать, а не скатываться в мещанскую пошлятину ваших примитивизмов.

Мастер Игорь Ткачев, не могли бы Вы в очередной раз оставить меня в покое? Мне хватает Гоши, он хотя бы пишет коротко и хамит чуть более элегантно.

Хорошо, что у героини хватило фантазии всего на два мужа, у остальных есть шанс для нормальной жизни.

Гоша Саутин, спасибо за сравнительно высокую оценку, аж на целый балл выше обычного. С чего бы такая милость?

Елена Ермолова, из уважения к Вивальди.

Замечательная статья! Глубокая, продуманная и выводы на месте. А значит, не остается неоднозначного чувства после прочтения. Мне очень понравился авторский подход сравнения двух полюсов.

Неоднозначного чувства будет в достатке у мужчин, повисших между полюсами. Даже приблизительно не могу предсказать, что можно отчаянно вопить, вися между полюсами, но это должно быть очень и очень эмоционально.

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Why The Saying «Happy Wife Happy Life» Could Be Dangerous For Your Marriage

There are a lot of benefits to having a happy marriage. Not only do you have someone else to spend your life with and share in the ups and downs, but research has found that there are health benefits to being happily married as well. So, knowing that you want a happy marriage and life, you have to figure out how to make it happen. Many people believe the saying «Happy Wife, Happy Life,» but is there any truth?

Where Did The Saying «Happy Wife Happy Life» Come From?

No one seems to know where the adage «happy wife happy life» came from. Some early mentions of it from plays, and many people believe it started from a real estate ad. While we might not ever really know where it came from, there’s no denying that many people believe it to be true.

And, the way that most people understand the saying «happy wife happy life» is that if you want your life to be good as a husband, you better make sure to do whatever you have to keep your wife happy.

Why This Saying «Happy Wife Happy Life» Could Be True?

There are plenty of theories on why the saying «Happy wife, happy life» could be true. One of the beliefs is that if a wife is happy, she will be more willing to help her husband be happy. For example, a happy wife might look for ways to help and assist her husband. And, her good mood is much nicer to spend time with than a wife that’s unhappy, sad, or indifferent.

A Rutgers study found what they believe is proof that the adage is true. They questioned couples on their overall happiness levels within their marriage and other areas of their lives. They found a correlation between the two, for both the husband and the wife. However, they did find that if the husband were sick, the wife’s happiness level declined more, and the same didn’t appear to be true for the husband.

Why Believing This Saying Is Dangerous For Your Marriage As A Wife

As a wife, if you believe that this statement «happy wife happy life» is true, you might think that you can use it as an excuse to be selfish and get your way. If you and your husband are in a disagreement over something, you could try to use this adage to sway him on why he should give in to you so you can be happy.

This might seem like a good idea for the time being, but if you continue to do this to your husband, you might experience consequences that you’re not going to like. For starters, when your husband starts to give you your way all the time, you might be happy, but he isn’t. No one likes to continually have to do what others want to do, even if they don’t agree. Eventually, your husband might become bitter and resent the fact that you’re so selfish.

If you’re always making sure that you get what you want out of the marriage to make you happy, you could leave him in the opposite position. Eventually, he might start to think that he could find someone else more giving in the relationship.

Why Is Believing This Saying Dangerous As A Spouse?

You might blame your wife for your level of happiness.

If you believe that your wife is responsible for how happy you are, you might blame her if you aren’t happy with your life. This can put a lot of pressure on your wife to try to keep you happy. The more pressure you put on her, the less happy she becomes, which makes you less happy too.

You May Give Up The Happiness That You Could Have

What if your wife isn’t happy, but you are happy in many other areas of your life? If you think that a happy wife is responsible for the other areas of your life, you might steal some of your own happiness because your wife isn’t happy.

This belief could cause you to be unhappier in your job or hobbies because you are too focused on your wife’s happiness. While it’s good for a husband to want his wife to be happy, it doesn’t mean that he should give up his own happiness if she is struggling. His good attitude could help to impact his wife’s happiness level as well.

It Could Lead You Astray

Believing that you have to make your wife happy to be happy can lead you down the road of bitterness and resentment. If your wife is hard to please and keep happy, you could become more interested in finding women that are easier to please.

What To Do Instead

Many things can impact the level of one’s happiness. While your spouse might play a role in how happy you are with your life, they aren’t in control of it. When you put someone else’s mood and behavior in control of how your life goes, you are giving up freedom that is rightfully yours.

Your spouse is a person. They are going to have good days, and they’re going to have bad days. It’s not their job to make you happy in your life. So, instead of focusing on «Happy wife, happy life,» here are some things that you can do instead.

Take Responsibility For Your Happiness

It doesn’t matter if you’re the husband or the wife; it’s time to take responsibility for your happiness. Please don’t make it someone else’s responsibility. You can be happy when things are going well, and you can even learn to be happy when you aren’t getting your way.

Happiness is a choice that you can make for yourself.

Focus On Your Thought Life

Your thoughts play an important role in your mood and behavior in life. An article on Psychology Today explains, «Your inner thoughts will always be reflected in your outer circumstances because self-generated changes in your life are always preceded by changes in the way you think about something.»

It means that if you’re unhappy with your marriage or another aspect of your life, your thought life around that area might need some work as well. If you want to improve the level of happiness that you experience in life, focus on improving your thoughts.

Take time to think about what you’re thinking about. If you’re an unhappy person, you will most likely notice that your thoughts tend to be negative and unhappy as well. However, you can choose your thoughts and increase your level of happiness.

Learn What it Takes To Build A Strong Marriage

There is a lot more that goes into having a strong marriage and a good life than the happiness of your spouse. Please spend some time learning what it takes to build a healthy marriage. After all, remember that a healthy and happy marriage has many benefits for your life.

The University of Rochester shares tips on having a successful marriage, including:

Change How You Look At The Message

If you’re stuck on this adage, try changing how you think of it. Instead of relating the two together, think about them separately. We automatically read it to think that one equals the other, but that doesn’t have to be true. Maybe it’s just two things to strive for. They are two separate goals. Of course, spouses want their partners to be happy and want to have a happy life. But it doesn’t mean you can’t have one without the other. And, you can influence both.

Look for ways to improve your marriage and make your spouse happy. Hopefully, they are doing the same for you as well.

Give Therapy A Try

Marriage therapy can help you to work towards happiness. This includes the happiness of the husband, the wife, and the marriage overall. When you are sharing life with someone, their happiness is going to impact you. But it doesn’t mean that you have to allow them to be responsible for your happiness levels.

Therapy can help you and your partner identify problem areas in your individual lives and life as a couple that could be impacting your level of happiness. It can also help you realize that there is a lot more to a healthy marriage and a good life than just being happy. There are difficult times that will come along in life, but you can get through those times together with a strong bond and marriage. Therapy can help you learn the strategies to do just that.

Remember, the ultimate goal should be-Happy husband, happy wife – happy life together.

“Sessions with Natalie are very insightful and give practical advice on implementing new habits and changes. Be prepared to engage and be challenged to think in a different way. I know that my partner and I can already see improvements in our relationship and feel more positive about working through our issues together.”

“Cris Roman saved my marriage. His approach to therapy taught my husband and I the skills we needed to change the way we communicated and the way we understood each other. He is very non-judgemental and helps each person make sense of the others’ feelings and actions without taking sides or placing blame. His ability to make you feel heard while helping you to see and understand why your significant other is acting a certain way is phenomenal.”

Frequently Asked Questions (FAQs)

What does a happy wife’s happy life mean?

The phrase “happy wife, happy life” is most often used to suggest that a marriage will be well-maintained and enjoyable if a partner makes their wife happy first and foremost. This bit of advice, «happy wife happy life,» is usually seen as an antiquated offering; after all, having a happy life is your responsibility, not the responsibility of your wife or your partner, right? The advice is usually offered as something of a joke or a silly piece of advice, rather than a serious, important piece of wisdom delivered to newly wedded people.

Happy wife, happy life might also mean that your marriage is far better off if the woman you are married to believes in having a happy life—even if you are not necessarily bending over backward to make that happiness happen. Although the phrase “happy wife, happy life” often suggests that men are responsible for making their wives happy (which, consequently, will provide them with a happy life), this has not been supported by research. Women can be happy independently of their husbands, and husbands will still reap the benefits.

Happy wife, happy life is an adage, and most people who are married have heard «happy wife happy life» some variation of this phrase in their marriages. Although it can be a silly or glib piece of advice, some people might take the advice to heart and neglect their own happiness to support the happiness of their wives. While that may be supported by research as an effective method to guarantee your own happiness, it could also result in you feeling resentful and neglected.

Where does a happy wife’s happy life come from?

The precise origin of the phrase “happy wife, happy life” is not known. Many different people have claimed it, but research into the actual origin is thin and inconclusive. Although the exact origin remains unknown, the meaning of “happy wife, happy life” is fairly straightforward: a happy wife can predict the happiness of marriage overall or the happiness of a man (even if he does not consider his marriage particularly joy-filled). In other words, research has concluded that if a man’s wife is happy, even if he does not rate his marriage highly on a happiness scale, he will still rate his life as generally satisfactory. If his wife were to rate her life or marriage poorly, the man, too, would rate his life and marriage poorly. “Happy wife, happy life,” then, means that a happy woman is a greater predictor of marital and overall life satisfaction than the happiness of a man.

When did the saying happy wife happy life start?

Because the origin of the phrase «happy wife happy life» is largely unknown, the exact time of its origin is also obscured. Some sources attribute it to song lyrics from a musical developed in 1979, while others suggest a comedian in the 1980s delivered it. Regardless of its exact origin, the saying, “Happy wife, happy life,” is not a particularly old one, despite its seemingly colloquial nature. Most sources suggest it is 50-60 years old at the most and has often been used in marketing materials that are, by their nature, designed to manipulate more than they are designed to deliver truth or wisdom.

The allure of the phrase “happy wife, happy life” might be due in part to its seemingly aged wisdom. People frequently like to look back at periods in U.S. history that seemed marked by decreased crime and picture-perfect lives—even if these lives were far from how they are frequently portrayed. “Happy wife, happy life” has been such an enduring phrase, perhaps because it seems to harken back to a “simpler time.” Despite its seemingly aged wisdom of «happy wife happy life,» however, it has been established that the phrase is only 40-50 years old and is more often delivered with a hint of humor than it is offered as a legitimate path toward becoming a happy husband and experiencing lasting life satisfaction.

If the phrase «happy wife happy life» did actually begin in the 1980s as some have claimed, it was actually delivered as part of a comedy set, suggesting that women are the home decision-makers that either provide marital bliss or marital misery. The comedy bit goes something like this: if the wife is happy, everyone is happy. If the wife is miserable, she will make everyone miserable. Although it was said in jest, the term may have introduced a problematic concept with a lasting legacy—a legacy that is regarded as both entertaining and true. Though it may seem, ultimately, happy life is created when two partners devote their time and energy to their partners.

What does the Bible say about a happy wife’s happy life?

The phrase «happy wife happy life,» though it is often circulated in Judeo-Christian religious circles, is not actually based on biblical advice. Instead, biblical advice more often addresses both halves of marriage and encourages spouses to prioritize their marriage and partners. Rather than espousing views that suggest husbands should place all of their marital emphasis on creating a happy wife, happy husband, or even a happy marriage, the Bible usually encourages marital partners to honor one another or respect and listen to one another. As a whole, the Bible focuses less on how to make lives happy and focuses more on how to live with honor or live according to a certain creed.

Rather than offering advice on keeping your husband happy or keeping your wife happy, the Bible instead focuses on behaving in a way that is considered appropriate Godly. Although modern marriage focuses on happiness as an ideal end goal for marriage, the Bible is far less about making your husband happy or making your wife happy. It views marriage as an institution used to bond people together, create families, and strengthen communities. Marriage is less about making lives happy (making your wife happy included) and is more about creating a stable and consistent infrastructure for societies to function and thrive. Whether this basis actually fulfills its function is outside the scope of Biblical advice and suggestion.

Although many pieces of conventional wisdom are attributed to the Bible, making your wife happy and consequently making your life happy is not among them. Many biblical leaders have taken on the phrase as though it is based on Biblical fact, but there are not many passages in the Bible that encourage people to adhere to the supposed wisdom of the phrase.

How can you make your wife happy?

This question is far less likely to be answered accurately online and far more accurately answered by asking your wife directly. Making your wife happy is less about completing a specific set of predetermined rules and is far more about listening to your wife—attending to her needs, giving her space when she needs it, and treating her with care and respect. If you are truly eager to make your wife happy, avoid lists of relationship rules, and instead opt for general relationship suggestions supported by psychological studies, including:

Therapy is Personal

Therapy is a personal experience, and not everyone will go into it seeking the same things. Keeping these things in mind can ensure that you will get the most out of online therapy, regardless of your specific goals.

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Happy wife happy life

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‘Happy Wife, Happy Life’

And Other Misleading Advice to Young Husbands

Greg Morse

Are You Not Provoked?

The Progressive Pilgrim

If Your Brother Sins Against You

Jellyfish Christians

Casual Church

Do Not Fear to Leave This World

Greg Morse

Are You Not Provoked?

The Progressive Pilgrim

If Your Brother Sins Against You

Jellyfish Christians

Casual Church

Do Not Fear to Leave This World

Staff writer, desiringGod.org

The title read, “How Do I Get My Husband to Be Less Passive?”

The author, a wife and clinical psychologist, addressed the common complaint that women of various ages bring to her: their husbands lacked passion for anything but the couch and the screen. These wives wanted to know how to get their men to do something other than stare at the television, laptop, or smartphone, and how to get them to initiate something other than physical intimacy.

They wanted their men to plan dates, start conversations, play with the kids, stand up for themselves (at work) and for their wife (with the in-laws), or to show concern for daily decisions. The manly intentionality that had pursued these women during dating had dwindled in marriage.

Age-Old Problem

The complaint, of course, is nothing new. Paradise was lost when the first man took the easy path of appeasement in his marriage. The serpent hissed lies in her ear; he stood silently by. Instead of an uncomfortable moment with his wife, and then crushing the skull of her deceiver, he watched as she took a bite. Compromise bore twins, and he ate too (Genesis 3:6).

“Lasting joy in our marriages is found in living out the drama of Christ and his bride, not Adam and his.”

And we see Adam’s passivity echoed in countless marriages today. The temptation to be emotionally and spiritually absent, when physically present, has merely changed hairstyles over time. The same unmanly repose still beckons men to recline in the passenger’s seat. God calls out to husbands today with the same question he asked in the garden: “Adam, where are you?”

And where are we? Too often giving into the scheme that affords less responsibility and more opportunity to watch the game. Masculinity that leads through loving sacrifice can feel like an endangered species. And some of the mantras given to me as a newly married man may have hurt, instead of helped, my enlistment into the active-duty husbandry put on display in Jesus Christ.

Consider four naive, and easily misunderstood, words of counsel given to new husbands, even from well-meaning Christian brothers.

‘Happy Wife, Happy Life’

The advice could be redeemable. The husband should lavish his queen with love, finding a great deal of his joy in hers. And one could say it from an eternal perspective: Happy wife (in the Lord), happy life. But what is most often meant by this phrase cannot be missed: a man’s life is less miserable when his woman gets her way.

Such deferment is tempting: no conflict, no unhappy bride, no blame. Just letting her have her way is much more comfortable than making unpopular decisions on weighty matters, that you think (and pray) are spiritually best for her and your family: Whether they be where your children go to school, what church you join, where you live next, when to have children, or countless difficult choices that require spiritual energy, courage, and faith.

But Christ created men to initiate and bear responsibility. His glory is to sacrifice. His mission is to lead his wife and his family from the front, on his knees. Although his charge includes the flourishing of the wife, the health of our leadership does not depend solely upon the daily undulations of our bride’s earthly happiness, but on the consistency with which we obey our Master. You can have a happy, governing wife resulting in a shallow, resistance-free life, and end up with an unhappy Lord.

In the end, a nearsighted “happy wife, happy life” mentality throws the toys in the closet to go outside and play. Happy wife, easier life does not lead to happiness, but to a closet full of regret, bitterness, and selfishness, which we all must open eventually. It backfires on us, leaving even a growing number of unbelievers wondering how to get their men to be less passive. Lasting joy in our marriages is found in living out the drama of Christ and his bride, not Adam and his.

‘Your Spouse Is Your Best Friend’

“You can have a happy, governing wife resulting in a shallow, resistance-free life, and end up with an unhappy Lord.”

She is not just your BFF because marriage is not simply friendship. It isn’t a symmetrical partnership in which the relational patterns are interchangeable. The elegance of the dance consists in the man leading assertively, lovingly, thoughtfully, and the woman following fearlessly, receptively, joyfully — which is much more than mere friendship. The dance is improper when the husband attempts to follow.

Now, if we mean that she is the one person with whom you confide most, the one earthly person you treasure most, the one person with whom a day spent doing menial tasks is anything but wasted, then, yes, this is a glory. But our marriages are more than a flat partnership.

The glory of a spouse is more than the glory of a friend. The miraculous event of God joining husband and wife together in a bond that none can break is a rose not to be hidden, even in the beautiful tulip-garden of friendship. The marriage drama enacts that of the Great Romance. This flower, by any other name, must smell distinctly sweet.

To ballet is not to waltz. The moon is not the sun. The companion is not the spouse.

‘Be a Servant Leader’

For sure, an aspect of this is incredibly right: Jesus came not to be served but to serve and give his life for many (Mark 10:45). That the husband should be like Jesus in such self-giving sacrifice is without question or asterisk. Being a servant leader is great advice — when both words are kept together.

Often, however, they are not. The paradox of servant leader devolves, in some minds, into merely meaning servant: You sacrifice your convictions for any and all of her ambitions. You take on her calling, not because of exceptional circumstance but only because you wanted to lay your aspirations down for hers. You coddle her, never asking her to do anything that she does not already want to do — even if you think it best for her ultimate joy in the Lord.

The good-intentioned servant (non)leader, in an honest attempt to love and serve his wife well, abdicates to a kind of service that undermines his call to be a husband and bear responsibility, take initiative, and feel the burden of the hardest decisions.

I prefer sacrificial leadership instead: “Husbands, love your wives, as Christ loved the church and gave himself up for her” (Ephesians 5:25). It is a leadership that, while not relinquishing its responsibility or apologizing for its authority, sees leadership as a calling to inconvenience self first for the good of one’s family and neighbor.

‘Marriage Is 50/50’

Marriage, for the man especially, is not 50/50. Manhood doesn’t require her to scratch your back before you’ll scratch hers. Headship doesn’t keep score. You don’t go so far, and no farther, until she catches up. You don’t limit your patience, kindness, gentleness, and goodness until she matches. A husband’s love doesn’t bear all things, believe all things, hope all things, endure all things only half the time. Husbands don’t wait for reciprocation to initiate.

“The marriage drama enacts that of the Great Romance. This flower, by any other name, must smell distinctly sweet.”

Jesus didn’t wait for his bride to meet him halfway. His spouse didn’t take half of the scourging or half of the cross. He, manly he, sacrificed all for her well-being — while she was yet a sinner. He gave all his life for hers. Nothing 50/50 about it. And sacrificial leadership is so happy in this love of Christ that we lay down our lives like he did — even when she isn’t “holding up her end of things.”

Husbands, love your wives as Christ loved the church. We do not bring home the paycheck and expect the wife to pick up the remaining fifty percent of the relational tab with the kids. Marriages that start 50/50, often end 50/50 — splitting half of one’s assets in divorce.

Play the Man You Are

“Why did you wish me milder? Would you have me false to my nature? Rather say I, play the man I am.” —Coriolanus

Our feminist-influenced, Bible-ignoring, headship-shaming society wishes real men to be milder. They wish you passive. They wish you silent.

But God entrusts you to speak, to sacrifice, to crush serpents. He calls you to be true to your nature — the one he gave you — and play the man that you are. And that man is not timid, not unassertive, not feeble in the faith: “Be watchful, stand firm in the faith, act like men, be strong” (1 Corinthians 16:13).

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A Happy Wife Is A Happy Life

I’ve heard the saying, “A happy wife is a happy life” several times now from a bunch of buddies who’ve been married for over 5 years. There’s a truth to every saying, just as there’s a truth to every joke. Hence, I’m wondering why. Is the reason why guys say this phrase so much because as soon as the wife is not happy, she’s plotting to cut off your nuts, divorce you and take half?!

Some view marriage as an outdated tradition that has lost its relevance in today’s society. Does a couple need to get married if they are happily living together and making things work? Not really, but it’s nice to do to show one’s commitment towards each other. On the other hand, being a faithful, loving husband is also a great way to show commitment too.

A Happy Wife Is A Happy Life Indeed

Why are there so many jokes about marriage? The threat of financial punishment due to infidelity is very serious. The threat makes guys think twice about cheating on their wives.

However, financial punishment also makes many boyfriends delay their marriage proposals forever unless of course she is loaded. Have you ever wondered why a guy who has been with his girlfriend for over 5 years still hasn’t proposed?

Well, now you know. He’s probably afraid he won’t be able to stay faithful. So as a buffer, he doesn’t propose and lauds the importance of a great relationship over marriage. Sorry guys, you know it’s true.

The Challenge To Stay Faithful

The other great “joke” is when married guys say they are “MBAs.” You know, “Married But Available.” What a smart acronym. Although, women would probably vehemently disagree. It was probably coined by a married guy who was traveling on a business trip somewhere and wanted to have some fun.

In many cultures, there’s a don’t ask don’t tell type of policy in relationships. This happens often when husbands have to go out and entertain clients. In Japan, for example, if a husband comes home before 7pm, his wife may scold him for not working harder and taking out clients or senior colleagues! But is she really a happy wife? Hard to say.

Another constant issue that continues to get thrown around is the statistic that 50% of all marriages end in divorce. If you had a 50% chance of dying if you ate the red pill, but also a 50% chance of becoming a billionaire, you still probably won’t take the risk. So why is it that marriage is such big business that happens over and over again?

The answer lies in the desire for companionship.

Women Are Convinced By Men Who Then Convince Other Men To Get Married

There’s a romantic side to every man, whether a woman knows it or not. That romantic side culminates in the proposal and perhaps even the honeymoon, but goes down hill from there. Why else do you see men let themselves go after marriage with beer guts an all?

Their romance already hit their peak and they’re tapped out! If a man were truly romantic, he’d stay in shape, groom meticulously, and take you out on a real date at least once a week, not just to Olive Garden. But, let’s be honest, your man doesn’t do that. And it’s not his fault because of his genetic makeup and ……. you!

Despite many pleas to their wives to not chop off their hair after marriage, wives still do. This is where things start going downhill. Men believe the choppage of hair is a signal for war and start retaliating by turning into Shrekalikes.

Women retaliate more and then fast forward 10 years, and BAM, you’ve got a sure case for wanting out!

A Happy Stud Is A Happy Bud

Maybe there’s no truth to anything I’ve written at all. Every single marriage is blissful. Nobody starts getting lazy with their bodies, and men are hopeless romantics who never cheat. Of course your marriage is like that.

But, maybe you see some truths in what I’ve written. And you may decide that marriage isn’t the best thing to do if you’re already happily co-habitating.

Or maybe you’re one of the lucky ones who is head over heels about your spouse. Finding someone you want to grow old with is absolutely priceless. Hold onto that person and treat them well!

Whatever the case may be, nothing is worse than being alone. So have a grand old time being together!

And if you do get married, work hard to make it last. Aim for a happy wife and a happy life for you both.

More Money Makes A Happy Wife

If you want to make your marriage last, work on improving your finances together. Nothing makes a happy wife quicker than a man who’s good with money, invests, and plans for the future. Here are some great articles to get you started.

For more resources check out my:

Financial Samurai has been online since 2009 and is one of the most trusted and largest independently-run personal finances today.

Know any guys or gals out there that are afraid to commit? What do you think their reasons are? Do some people actually prefer being single? If you’re married, do you have a happy wife?

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Happy Life, Happy Wife

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My day off…

So you have a day off, and what do you do with it?

Are we talking a serious day off? Like no work, no kids, no nothing? In all honesty, I’d probably spend all day sitting on the couch watching re-runs of Judge Judy. In my pajamas. All day. That’s what usually happens during my free time.

I suppose my life isn’t very exciting, but that sounds like one heck of a good day to me!

Dakjuk

This is a super easy Korean dish called “Dakjuk” —

Of course I’d heard of porridge before, but I never really thought about or knew what it was. It’s boiled, crushed cereal made from oats, corn, wheat, or rice as we have here. My whole family was sick a few weeks ago with really bad colds, so this was the first thing that came to mind when preparing for a meal. Think of this as a go-to food for when you’re not feeling very well. Instead of soup, make some porridge! I hate to call a recipe bland, but this is bland in the good “I’m sick and don’t want to eat tacos” kind of way.

Dak = Chicken Juk = Porridge

Now you can, of course, make everything from scratch. Homemade chicken stock. Baked or roasted chicken. Mhmm, that would be great…………… Although who really wants to do that when you’re not feeling well. Instead try this easy, semi-homemade version:

May this dakjuk keep you happy and healthy!

Bulgogi

Bulgogi (불고기 ) is marinated beef that is traditionally grilled, although in my case I cooked it inside in a pan. It’s usually served with a spicy dipping sauce, hence the meaning of “fire meat” and wrapped in lettuce.

After browsing through the internet for a good recipe, I ended up just getting a general idea of what was in it and then making my own combination. So this is what worked for me:

1/2 pound beef tenderloin (filet mignon)
5 Tbsp soy sauce
1 Tbsp mirin
2.5 Tbsp light brown sugar
2 Tbsp sesame seeds
2 Tbsp minced garlic
1/4 C green onion, chopped small
1/8 C carrot, sliced or chopped thinly
1/2 tsp ground black pepper
2 Tbsp sesame oil
A little bit of vegetable oil for the pan.

This serves two, however I think it would be plenty of marinade for a whole pound of meat if you want to up the servings.

Not that you need a picture to know what beef looks like, but this is about how thin you want it:

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Happy Wife, Happy Life‪!‬ 4+

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Relationships can be hard and challenging. Can you do your best to make your wife happy?

Run and try to catch everything she wants!

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Happy wife — happy life!

«Счастливая (радостная) жена — счастливая жизнь!», утверждает английская поговорка, оригинальность рифмы которой, вы можете оценить в названии этой статьи. Мичиганский государственный университет провел ряд экспериментов и доказал, что в основе этого выражения вполне может лежать научная база!

Их вывод: СЧАСТЛИВЫЙ ПАРТНЕР ВЕДЕТ В ЗДОРОВОЕ БУДУЩЕЕ! Статью сразу же опубликовали на официальном сайте университета.

Исследования показали, что оптимистично настроенные люди вносят огромный вклад в здоровье своих партнеров и помогают им избежать рисков, приводящих к болезни Альцгеймера, деменции и снижению когнитивных способностей, особенно если пара остаётся вместе до самой старости.

Доцент кафедры психологии и соавтор исследования Уильям Чопик, объяснил это тем, что в семейной жизни, львиную долю времени мы проводим именно со своим партнёром. Муж и жена неизбежно влияют друг на друга: они могут побуждать вторую половинку заниматься спортом, перейти на здоровое питание, напоминать принимать лекарства, и если ваш партнёр оптимистичен и здоров — то скорее всего шаг за шагом он будет вести вас к тому же состоянию.

«И вы действительно создаёте вариант более радужного будущего, предотвращая риски преждевременной смерти и избегая когнитивных заболеваний!» — комментирует в своём интервью учёный.

Оптимистичная супруга может поощрять вас каждый раз, когда вместо жаренной курицы вы выбираете на ужин салат, предложит маршруты вечерних прогулок, уговорит отправиться на природу. Зачастую, если один партнёр бросает курить или начинает заниматься спортом, то в течение нескольких месяцев второй начинает неосознанно копировать его образ жизни.

«При рассмотрении факторов риска развития болезни Альцгеймера и слабоумия (деменции), мы обнаружили, что зачастую первопричиной является несоблюдение правил здорового образа жизни, — говорит У. Чопик — Кроме физиологической предрасположенности, предикторы этих опасных недугов — наличие лишнего веса и отсутствие физической активности. Похоже, что люди, состоящие в браке с оптимистами, имеют тенденцию показывать лучшие результаты по всем метрикам».

Аспирант Дживон О. и научный сотрудник отдела социальных и поведенческих наук Гарвардской Школы Общественного здоровья (T.H. Chan School) Эрик Ким в течение восьми лет наблюдали за 4500 гетеросексуальными парами в рамках исследования «Здоровье и выход на пенсию». Исследователи обнаружили потенциальную связь между браком с оптимистом и предотвращением ухудшения познавательной способности у супругов, благодаря более здоровой обстановке дома. Статью опубликовали в журнале «Личность».

«Оптимисты часто являются примером для своих вторых половинок, — пояснил У. Чопик — Есть наблюдения, что люди зачастую завидуют хорошим качествам своей половинки или возмущаются факту контроля с их стороны, и эти исследования балансируют с теми, что оптимизм связан с восприятием отношений в позитивном свете».

Также исследование показало, что когда пары вспоминают общее прошлое — память ярче прорабатывает детали.

«Среди людей, с которыми я работаю, достаточно много оптимистов, — рассказывает практикующий психоаналитический психотерапевт, рекомендованный специалист Международной школы группового психоанализа Екатерина Ларионова — И, хотя гена оптимизма не существует, с большой вероятностью можно сказать, что наследственные признаки во многом определяют характер детей и внуков. Однако даже если человек, в силу своего темперамента и воспитания, видит мир в мрачных тонах, переживает и агрессирует, то в глубокой работе над структурой личности, оптимизму вполне легко обучиться (!).

Оптимизм — это бодрое, жизнерадостное мироощущение, когда человек верит в успех. Это взгляд на жизнь с положительной точки зрения, уверенность в лучшем будущем. Оптимист убеждён, что мир замечателен, что человек может воплотить многие мечты и достичь многих целей, что почти из любой ситуации есть выход, всё получится хорошо, он видит лучшие качества у людей. Такой подход я стараюсь формировать у своих пациентов и после ряда сеансов я замечаю, что они действительно начинают воспринимать жизнь легче, а неудачи не так травмируют их, как раньше. Всё это даёт им силы для начинаний и достижений положительных результатов на работе и в семье.

В научных статьях Уильяма Чопика тоже можно встретить наблюдения об изменении личности человека в процессе работы с психологом. Я абсолютно согласна с коллегой, программы коррекции существуют, создать оптимистичный взгляд на жизнь у любого человека более чем реально».

После многолетней практики, психоаналитик делает вывод, что работа в групповой психотерапии гораздо эффективнее, чем в индивидуальной.

Люди способны влиять друг на друга, заражать положительным настроением.

Другая моя клиентка была суровой бизнес-леди, привыкшей, по её мнению, к «реалистичному взгляду на жизнь», а потому я практически ни разу не видела на её лице улыбки. Естественно, мужчины были не очень расположены к отношениям с ней. Мы работали над перспективой изменений в её жизни, возможностью встретить достойного мужа и родить детей. В итоге, девушка вышла замуж, её супруг оказался очень жизнерадостным, оптимистичным человеком. Последующие пять лет она продолжала занятия у меня, и я не могла не заметить произошедших в ней изменений: она стала здоровее, стала действительно в разы оптимистичнее смотреть на жизнь, научилась улыбаться, стала более мягкой и женственной. Так, даже в маленьких группах, таких, как семья, мы влияем друг на друга и заражаем хорошим примером и отношением к жизни».

Что ж, мы все подсознательно тянемся к людям улыбчивым и оптимистичным и, как оказалось, это имеет огромный смысл! Выбирайте себе оптимистичных партнёров и улыбайтесь чаще! Ведь нет плохих или хороших событий — есть наше отношение к ним!

И пусть мы все в старости будем вспоминать больше радостных и приятных дней, а не уныние и угрюмые будни!

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Happy Wife, Happy Life

From Wikipedia, the free encyclopedia

GenreLifestyle Talk showCreated byTV5 Network, Inc.Presented byDanica Sotto
LJ Moreno
Mariel RodriguezCountry of originPhilippinesOriginal languagesFilipino
EnglishNo. of seasons3No. of episodes183 (Final)ProductionRunning time45 minutesReleaseOriginal networkTV5Original releaseJanuary 19 ( 2015-01-19 ) –
October 2, 2015 ( 2015-10-02 )

Happy Wife, Happy Life is a Philippine morning talk show that broadcast on TV5 and premiered on January 19, 2015. [1] It is hosted by Danica Pingris, LJ Alapag, Jeck Maierhofer and RR Enriquez. [2] [3] It airs every Monday to Friday at 10:30 am (PST) before Solved na Solved.

The program moved from 10:30 am to an earlier 10:00 am timeslot on March 9, 2015. On April 6, 2015, the program announced with its season 2. Mariel Rodriguez-Padilla joins as a new host, together with Danica Sotto-Pingris and LJ Moreno-Alapag. On April 20, the program once again moved to the 10:15 am timeslot.

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Happy wife happy life

Happy Wife = Happy Life
I can’t tell you the number of times I have seen this quote: “Happy Wife = Happy Life.” And my husband will be the first to testify to its truth. (Cue the amen choir!)
If this statement is indeed true, what does that say about the flip side of that coin?
Does an unhappy wife equal unhappy lives all around her?
An even better question may be this: If a previously unhappy wife becomes a happy wife, will her household change for the better?
And if the answer to that question is yes, then we as women may not be giving ourselves enough credit. We’ve clearly got a whole lotta power!
For many, they look to external circumstances for happiness. That’s a part of the reason I love Shawn Achor’s book, The Happiness Advantage (and his accompanying TEDx talk) so much.
What many have long believed to be true about the origin of happiness, Achor and psychologists like Martin Seligman have now proven: Happiness comes from the inside not from without.
It was with this thought that I began searching through HappyWivesClub.com for the 21-day challenge many of us participated in last year.
Several times over the past couple months, I’ve had women stumble across a few posts related to that challenge and ask if there’s an eBook where it’s all gathered. They’ve written inquiring about getting the entire series in one place. Well, there’s no eBook and I don’t foresee one any time soon. But I was able to pull it all together.
So to those who wrote asking for this, I promised I’d do it. And although it took me a little while (sorry about that…sometimes life moves at a pace that outruns my lackluster attempts to keep up), it is all in one place (here and down below) and on one Pinterest Board (click here).
You can choose to read one per day or just skip to the areas most helpful in your current season. We all have differing seasons in life, and for this season, I’ve had way too many cookies and desserts so I’m going back to read Day 2 and Day 3 – right now.
On the final day of the original 21-day challenge, I wrote:
“Before this series, you may have seen happiness as something temporary; an emotion based upon external circumstances. At the very least, I hope you’’ve now been convinced otherwise. Life is about choices. And happiness is no exception. It is a choice. Your choice. So why not choose it today?”
So today, I pose the same question. If there’s any area of your life that needs a little “happiness tweaking,” peruse the topics below and jump on in!
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Happy wife happy life

Happy wife-happy life или пособие как сохранить хорошее настроение в домашних условиях.

Мне посчастливилось встретить человека полюбившего и принявшего меня со всеми этими тараканами. И он помог мне наконец-то рассадить всех тараканов по своим скамеечкам. Получилось как-то так:

Делюсь простыми истинами, до которых я дошла за все это время.
Истина первая.
Идеальных жен/мама/хозяек не бывает!

Распечатайте себе эту фразу на плакате и повесьте на видное место. Потому что мы, женщины, так устроены что нам ну непременно нужно себя с кем-нибудь сравнить. Мы на полном серьезе убиваемся что вот у соседки Тани дома всегда чистота а у меня игрушки валяются и пыль под диваном (кот чихал, я слышала),что подруга Маша печет сногсшибательные торты (а ты только печенюшки из магазина детям к чаю даешь) и дети у Вали в полтора года стихи рассказывают (а твоя дочка корову с трактором путает в два). И напрочь забываем что Таня, Маша и Валя три совершенно разных человека. Если мне говорят что все мыслимые и немыслимые таланты собраны в одной личности, я отвечу что это либо полные враки либо эта личность плод научной фантастики. Господь сделал людей разными, и они прекрасны в своей уникальности. Да, я не любитель танцев с шваброй, зато мне не лень фаршировать утку на обед, построгать оливье или откопать что-нибудь эдакое к ужину в интернете. Муж стал круглым и красивым 🙂

Истина вторая.
Мама не картинка а живая женщина.

И ей тоже необходим отдых, пища для ума и души и общение с людьми без памперса и пустышки. Это может быть поход хоть раз в месяц с подругами в кафе без детей, ванна с книжкой в тишине или поздний ужин с мужем когда все уже спят. Женщины от природы крайне общительные существа, им это необходимо как солнце для цветов: в тени жить могут но завянут и будут постепнно угасать. Никто кроме тебя самой не знает твоего расстояния до точки кипения и твоя задача следить за тем чтобы не достигнуть этой точки. Если чувствуешь что опускаются руки выйди на пять минут во двор, в ванну, куда-нибудь где тихо. Сядь, отдохни,успокойся,наберись сил. Буквавльно на глазах будет легче. и это намного лучше для климата семьи чем когда мама на взводе и все летает. Такие вещи нужно обговаривать вслух с мужем. Мой иногда сам меня выталкивает с книжкой в обнимку, когда видит что я пытаюсь насыпать в чай соли вместо сахара.

истина третяя
Делай то что любишь и не переставай развиваться.

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Happy wife, happy life: study reveals the key to lasting happiness

Ros Brennan

What makes us happy and fulfilled? What is the key to longevity and health? How do you balance family, work and friendships? You could spend a lifetime trying to decode these elusive, fundamental questions of existence, and still be left wanting.

Turns out, a group of researchers at Harvard Medical School have put in the hard yards for you. Conducted over the course of 75 years, the Harvard Grant Study was one of the longest, most comprehensive studies in history, following the lives of 268 Harvard undergraduates from the classes of 1938-40.

The candidates were assessed every two years on their mental and physical health, career enjoyment, retirement experience and marital quality, providing unrivalled insights into the human experience and the impacts of life’s trials and tribulations on well-being.

Read on to discover the top findings from this unprecedented study.

Meaningful connection is everything

Every school of thought has their own magic silver bullet to happiness. The new-age mindfulness warriors profess that happiness is an ‘inside job’, the cult of celebrity puts fame and money on a pedestal and the academics preach service to others and lofty achievements.

According to the Grant Study, close, meaningful relationships trump all else in the pursuit of happiness and longevity.

George Vaillant, the study’s director and Harvard psychiatrist explained, «Let me lay out 75 years of evidence that our relationships with other people matter, and matter more than anything else in the world.»

«When the study began, nobody cared about empathy or attachment,» said Vaillant. «But the key to healthy aging is relationships, relationships, relationships. Joy is connection (. ) The more areas in your life you can make connection, the better.»

Loneliness kills

The study also found an irrefutable link between the quality of our relationships and our mental and physical health, finding that close ties protect people from life’s discontents, help to delay mental and physical decline, and are better predictors of long and happy lives than social class, IQ, or even genes.

The study found people who had happy marriages in their 80s reported that their moods didn’t suffer even on the days when they had more physical pain. Those who had unhappy marriages felt both more emotional and physical pain.

Those who kept warm relationships lived longer and happier lives, said psychiatrist and director of the study Robert Waldinger, and those without a partner often died earlier. «Loneliness kills,» he said. «It’s as powerful as smoking or alcoholism.»

You can create a happy ending, despite earlier misfortunes

The research also debunked the idea that people’s personalities «set like plaster» by age 30 and cannot be changed.

A man named Godfrey Minot Camille went into the Grant study with fairly bleak prospects for life satisfaction: He had the lowest rating for future stability of all the subjects and he had previously attempted suicide. But at the end of his life, he was one of the happiest. Why? As Vaillant explains, «He spent his life searching for love.»

«Those who were clearly train wrecks when they were in their 20s or 25s turned out to be wonderful octogenarians,» he said. «On the other hand, alcoholism and major depression could take people who started life as stars and leave them at the end of their lives as train wrecks.»

Money and status are not everything

«We found that contentment in the late 70s was not even suggestively associated with parental social class or even the man’s own income,» says Vaillant. «In terms of achievement, the only thing that matters is that you be content at your work.»

So there you have it, money can’t buy happiness.

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Happy Wife, Happy Life: Why It’s ACTUALLY True

«Yes. THIS,» say women everywhere.

If you need a good reason to convince your husband to cook you dinner, hunker down next to you on the couch for a Scandal marathon, or treat you to below-the-belt pleasure, try this bargaining chip: According to a study recently published in the Journal of Marriage and Family, the happier you are in the marriage, the more fulfilled he’ll be overall.

Researchers analyzed data from 394 older married couples who were part of a national longitudinal study on socioeconomics and health. The couples kept diaries capturing their daily activities and emotions and were asked questions about whether their spouse appreciates them, listens to them, argues with them, understands their feelings, stresses them out, or gets on their nerves. These responses were then weighed against a question assessing how satisfied they were in their present life overall. An intriguing correlation emerged: Men are more content when their wife reports a good marriage. If she’s disappointed in their bond, the man’s wellbeing plummets.

Related: Make Your Marriage Stick

The study found that if a husband and wife both rated their marital quality as poor, then their global satisfaction score was also low (obviously). But if a wife was pleased with the marriage, then her husband’s general happiness level was high—even if he wasn’t thrilled about their relationship. «In other words, even an unhappily married man may have his life satisfaction buoyed when his wife experiences high marital satisfaction,» write the study authors. And interestingly, the effect was only true for guys: Unhappily married women had only slightly elevated levels of wellbeing when their significant other felt fulfilled in the marriage.

More From Women’s Health

Previous research on young couples has shown a stronger correlation between marital bliss and life fulfillment for women than for men, so it’s interesting that things flip as couples get older and retire. «Older men may become more oriented toward family,» write the authors. «Older women, by contrast, may place an increased emphasis on. self-fulfillment, and their identities and overall well-being become less closely tied to their relationships with others.»

Related: The Secret to a Long and Happy Relationship

The authors postulate that the reason why men report greater satisfaction is linked to the levels of support that happily married women give their husbands. If you’re in a good place in your relationship, you may be more compelled to treat your husband amazingly—from telling him how sexy he looks in the morning to giving him a back rub after a long day—thus boosting his quality of life. (Make that back rub more intimate with Intimate Earth Awake Massage Oil from the Women’s Health Boutique.) Since men are generally thought to take a more silent and passive approach, their feelings may have less of an influence on their wife’s overall happiness.

Of course, every couple is different, but it’s still interesting to finally see some data to back up this totally overused phrase. Check out these 10 secrets of super happy couples if you want some new ideas to up the feel-good vibes in your bond (for both partners).

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“Happy Wife, Happy Life” Needs to Die

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Good Life Wife

Happy Wife, Happy Life

Good Life Wife

Tips on decorating, décor pieces, DIY projects, home improvement tutorials, cleaning and organizing.

Tips on budgeting, saving, paying off debt and printables to make it easy and fun.

Be a better you with tips on personal growth, self-help, mindfulness, routines and habits.

Meal planning, creating menus, budget-friendly recipes, how to shop, and printables to make it fun.

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How to Plan Your Dream Closet Down to the Last Inch

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How to Make the Best Baked Potato Sauce Ever!

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Hate to Make Thanksgiving Dinner? You’ll Love My Free Timeline!

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Look No Further for the 5 Best Free Holiday Planners

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What do you do when disaster strikes? Fortunately, many will never be faced with a natural disaster. But I was. Last week, I shared my blow-by-blow account of living through Hurricane Florence. At the end, I promised to give you strategies for coping with the emotional aftermath of a natural disaster. Here goes… Find the […]

Coping with the Emotional Aftermath of a Natural Disaster – Part I

Coping with the emotional aftermath of a natural disaster is a long and intense process. It’s been 19 days since Hurricane Florence barreled ashore in Wilmington, North Carolina. This was a record setting hurricane and dropped as much as 35 inches of rain in some parts of the state. Florence also brought at least seven […]

Hey, y’all!

I’m Kim Mayo, and I’m so glad you could stop by. Are you having trouble getting your sh*t together? Girl, I got you covered! Take a look around and send me an email or leave a comment to let me know if you found what you needed or you need something else. Can’t wait to hear from you!

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The Phrase, “Happy Wife, Happy Life,” is Scientifically Proven, Husbands Who Have Happy Wives are More Satisfied With Their Lives

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When it comes to married people, there’s always been a saying that those who have happy wives actually lead happier lives. Even more so, married people tend to follow this advice to keep their domestic life happy.

But for those of you who are still in doubt – it has been proven by scientific studies now!

Yes, the phrase “Happy wife, Happy life” may actually make sense scientifically.

Trust and love are the two pillars of marriage – if even one shakes, then the entire foundation of marriage crumbles. Scientists have looked further into the reasons responsible for a happy married life. They have published their reports in a journal called “Journal of Marriage and Family”; and in that report, they suggest that men who are dissatisfied with their marriage, are satisfied with their overall life, just because their wives are happy in the marriage.

Deborah Carr, the sociology professor at the University of Rutgers said, “A wife’s happiness in a marriage has the power to overtake a husband’s marital unhappiness to make his overall life quite pleasant.”

But scientists were still doubtful, so they decided to strengthen the evidence. The University of Michigan went out to conduct a one-on-one survey in over 18,000 houses! Couples were interviewed and they were asked to rate their marriage on a scale of 1 to 4. For this study, one of the spouses had to be of at least 50 years old and another had to be of be about 60 years old or more.

Now, those husbands who rated their marriage a ‘1’ and whose wives rated their marriage a ‘4’ seemed to be happier overall with their lives. But those houses in which both the wife and the husband rated their marriage as a ‘1’, led unhappier lives.

But a reversal of the statement made above wasn’t true! If the women felt unsatisfied with the marriage, the men also were unsatisfied.

So, the study concluded with the result that a happier wife does really leads to a happier life.

This makes sense actually. If a woman is happy in a relationship, she might provide care, support and overall benefits which might make a man’s life easier. She will take care of his primal needs, provide emotional comfort and also share the household responsibilities. The husband then really has nothing to complain.

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Happy Wife, Happy Life‪!‬ 4+

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Relationships can be hard and challenging. Can you do your best to make your wife happy?

Run and try to catch everything she wants!

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Happy Wife, Happy Life: Here’s How To Make Her Happy

I’m sure you’ve heard the saying “Happy wife, happy life.” The problem is it’s hard (and it can feel impossible) to know what makes her happy because, let’s face it, we women are way different from you guys.

What I want you to know is that your heart is obviously in the right place. (If it wasn’t you wouldn’t be reading this.) You just need to stop assuming that your wife thinks like you do. (And us ladies need to stop assuming you think like we do too.)

And yet it’s natural to think that your spouse thinks like you do. After all it sure seemed like you did when you first fell in love, right?

Well, here’s the thing, after all of the love potion wears off and you start living your real lives as husband and wife you stop being hyper-focused on each other. And when you stop being hyper-focused you stop thinking alike because other things, people, events and experiences now claim some (or maybe most) of your attention.

Hopefully, you’re getting the idea that it’s going to take a little work on your part to get things turned around in your marriage to the point where she’s happy and you’ve got your happy life with her. But don’t worry, the work isn’t onerous because all you have to do is be her friend.

Now before you start claiming that you already are her friend, remember that you’re assuming she thinks like you do. She doesn’t. Friendship to her means understanding and supporting her in a way that makes sense to her – not you.

So here are 7 ways you can improve your friendship with your wife:

1. Respect her

Respect her thoughts, feelings, beliefs, opinions, priorities, values, work, hobbies, wants, needs, and time as much as you want her to respect yours. Believe it or not, most men quickly discount their wives’ thoughts, feelings, beliefs, opinions, priorities, values, work, hobbies, wants, needs, and time when these things in any way conflict with what they want.

For most men, it’s not on purpose because it’s how they would treat another man. They expect another man to tell them no. But, remember, your wife doesn’t think like you do so she feels disrespected when you continually push your agenda ahead of hers.

2. Pitch in without being asked

Have you ever noticed how busy your wife continually is? (OK, not all wives are like this, but most are.) She’s always got something she’s working on and it’s rare to see her sit down and relax. She assumes that you notice how hard she’s working to take care of the kids, the pets, the house and the meals. And you probably do.

The problem is that she needs help taking care of the kids, the pets, the house and the meals. Taking care of your house and family requires both of you because they’re both of yours. So pitch in without being asked. Notice what needs doing and just do it. Oh, and don’t expect her to praise you for doing it any more than you praise her for getting things done to maintain your family and household.

3. Spend quality time together

Now her idea of quality time might be different than yours, so be sure and do things that she really enjoys doing and not just things that she does with you to please you. (The secret you need to know is that she probably enjoys talking with you and connecting with you on an emotional level.)

4. Honor her need for emotional security

I’ve read that women value emotional security more than financial security. I don’t know if that’s or not, but I do know that women need to feel safe to express themselves. Most of us women emotional beings and need to know that our husbands respect this about us.

(We also need our husbands to know that we are sensitive to their emotions too.)

If we don’t feel safe emotionally, we start to shut down and look to others to satisfy our need for emotional intimacy. Now I’m not saying that we’ll look for another man (although some women do), but we will start spending more time with people who do fill this need for us – like our friends and family.

5. Know that she can’t just turn off her thoughts and feelings

I know this seems weird to those of you guys who can put things out of your minds pretty easily, but most women can’t do that. We tend to have a bazillion thoughts and emotions streaking through our minds all the time.

I’m sure you’ve heard the joke about the couple who are in the throes of passion and all of a sudden she says, “Blue.” He’s trying to maintain his focus, but he doesn’t want to ignore her so somewhat distractedly he asks, “What?” She responds, “I think I’ll paint the bedroom blue.” Well, that ruins the mood for him, but she’s still ready to go because she finally solved a dilemma that she’d been struggling with for quite some time! And that, gentlemen, is how a woman’s mind works.

So give her time if she’s caught up in a thought or emotion and isn’t able to just put it aside. Patiently talk with her about it to help her process it ( DO NOT TRY TO SOLVE IT FOR HER ) and as soon as she does, she’ll be back to herself again.

6. Know her love language and use it to your advantage

Hopefully you’ve heard of Gary Chapman’s book The 5 Love Languages before. If not, you need to order a copy right away. Chapman’s premise is that we all naturally experience and express love in at least one of five different ways. It’s important that you express your love for your wife in the way that makes most sense to her instead of the way that makes the most sense to you.

For example, let’s say your love language is physical touch and you love it when she spontaneously gives you a hug and kiss in public. And let’s say her love language is gifts. If you assume she’ll feel loved by you spontaneously giving her hugs and kisses in public, you’ll be very, very wrong. She won’t feel that you’re showing her love, she’ll feel that you’re just getting your needs for love met and ignoring hers.

7. Build her up

This is one place where you both need the same thing. The problem is that culturally men do this less frequently than women do. So take the time to let her know how much you appreciate her (and more than just sexually).

The more you encourage and appreciate her, the more energy and ability she’ll have to encourage and appreciate you. It’s one of those things where if you lead by example she’ll easily be able to follow your example.

I wish that I could give you an iron-clad guarantee that by consistently doing these 7 things that your wife will be happy and your life together will be amazing, but I can’t. All women are different, but almost all of us respond to having our husband put forth the effort to be our best friend. And given that the reward is a happy life with her, I’m guessing you’ll be happy being her best friend.

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Happy wife, happy life

Oprah here. A fabulous blog for you today. Writhing in emotion. Let’s bring on our first guest, Arnold from the GTA. A big hand, ladies!

So, Arn, tell us about your pathetic self:

“I am 30 years old and married with two kids. My wife and I have been looking to move for about 6 months now. We have enough equity if we sell to put 20% down and amortize over 25 years on almost any house we want in our area ( Mississauga). I have been reading your blog and am now scared shitless! Everybody I talk to seems to think real estate only rises.”

You have a problem with that divine logic, Arnie baby?

“A part of me says screw it, just jump in and hope housing in our area doesn’t drop 20%. Another part of me says sell now and rent for 1-2 years and see where the housing market is. The renter idea sounds good to me, but I have brought it up to a few friends and family members and they have gone off and told me I must be crazy. “You’re wasting your money making a landlord rich.” It’s these sort of pronouncements that make me know I’m right. Unfortunately, I am unable to convince my wife that renting would be a better option. Anyway, I don’t know why I am even writing you, just thought I would pass on a little tidbit of my situation. Cross your fingers for less than 20%.”

“P.S. please don’t use this e-mail for a blog post. I don’t think it’s all that compelling and if you do think it is compelling I don’t think I could handle the ass lashing I might get from you and your wit.”

Not a chance, you cute widdle puddle of subservience. Happy wife, happy life! Am I right, ladies, or am I right?

Hmmm. You have no idea how many emails I get in this vein. Of course, it’s not always the female partner who could care less about macroeconomics, monetary policy or ending up in suffocating piles of debt, but usually so. Ironically, it’s often women who are dramatically more risk-averse than men, opting for guaranteed investments even if they have a substandard return. So how do we reconcile that Mars is reckless but worries about financial stability, while Venus is cautious but happy to leverage bigtime for a house?

Perception, of course. Men often see real estate as an encumbrance and a pit of debt. Women tend to see stability and permanence. And by all accounts, she’s winning.

I mean, look at the latest RBC survey churned out by the bank’s mortgage marketing department. Despite watching real estate destroy the US middle class for five years now, 90% of Canadians “are confident in the country’s real estate market”. Despite record household and mortgage debt, rising inflation and stagnant wages, 75% of these souls believe “they are well positioned to withstand a decline in the housing market.” Why? That’s easy: “69% said their home has risen in value over the last two years.”

So here we have a classic situation. Houses go up in value, so people perceive them as good investments. They rise further, even better. Like Bre-X. Or pets.com. Or Nortel. Human nature is to crave what other people want. This creates its own demand. Because more people pile in, values rise. Everyone’s opinion is validated. And that breeds more desire. So prices swell. The crowd wins. Emotion becomes fact. And here’s a bank survey to prove it.

Of course, I’m not picking on the Royal Bank.

For example, one would think the country’s largest bank would know better than to circumvent, even unwittingly, the federal ban on 35-year mortgages, which takes effect next Friday. F murdered the little sucker because over the last year the overwhelming majority of all new loans had an amortization so long horses were envious. This, of course, encouraged over-borrowing and exaggerated the threat posed by a housing downturn (which 90% of people dismiss).

How does this ban work to change things? By forcing people to make higher monthly payments for an equal amount of debt, with the goal of disqualifying those who should never have borrowed in the first place.

But here comes the “Skip-a-Payment” option at RBC. Read about it here. Essentially the bank will allow people with 30-year amortizations to make only 11 monthly payments a year, with the 12th simply being added on to the mortgage principal. This (you can work it out) has about the same effect as turning a 30-year loan into one with a 35-year amortization, lowering average monthlies and goosing the interest the bank collects.

I am sure this is a coincidence.

191 comments ↓

#2 Montrealer on 03.09.11 at 11:09 pm

this is getting ridiculous. with zero down, fake 35 years, not-really verified income and lending up to an insane % of your income. How come all this is legal?
Are we about to see interest only mortgages?
every time we think we’re getting closer to the norm (>20% down, 25year), the banks find a way to play with the rules.

#3 Kevin on 03.09.11 at 11:24 pm

If people are in trouble financially, they just borrow against their home. When they get to the point they can not borrow anymore, then skip a payment is the next option.
This is keeping mortgage arrears low for the moment, until the dam bursts.

Those sneaky banks, always have a loophole to maximize profits as long as the Government is not looking their way.

#4 T.O. Bubble Boy on 03.09.11 at 11:26 pm

“financial innovation” – a.k.a. ways for banks to move around numbers on their balance sheets to keep the stock price up

#5 Roman on 03.09.11 at 11:30 pm

Not exactly on topic of today’s blog, but what I’ve noticed in our little Port Moody BC, after looking at listings, is that the big, expensive houses seem to stay like that (for now), but old and small apartments and townhouses dropped in price quite significantly. Could it be heading to a situation like in some European countries (Germany), where the prices in the same town vary dramatically, depending on the size, quality, etc. and nobody is “priced out of the marked”?

#6 Soylent Green is People on 03.09.11 at 11:31 pm

I do not want Steve Harper in charge when Canada’s housing bubble hits. Steve and Jim Flaherty couldn’t organize a pillow biting fight.

Steve Harper: never admit to anything

Mr. Harper sat and smiled and shared the odd chuckle. He reclined as best he could in his chair and fiddled with the cord of his desk’s earpiece. When he stood to answer the Liberal leader’s charges, he shrugged and sighed. If he was the least bit concerned, a tiny bit chastened, it was impossible to tell.

But, of course, he hardly ever appears daunted by such stuff. Indeed, if there is one thing that defines this Prime Minister it is his unrelenting undauntedness, his undaunting relentlessness. He is a man of the post-shame world.

The man who once said there wouldn’t be a recession now congratulates himself for having seen the country through the downturn. The man who once said he’d never run a deficit now says he’s the only one who can be trusted to get us out of the red. The man who once derided Canada now campaigns on his love of country and loudly questions the patriotism of all others. The man who once predicted that the Liberals would lose power when a coalition overtook them and who then joined with the leaders of the Bloc Quebecois and NDP to ask that the Governor General consider her “options” before allowing the Liberal minority government of the day to dissolve Parliament, now says “losers” don’t get to form government.

What the Prime Minister eventually did then and what he does without fail now is to steer into the skid, so to speak. He charges headlong into the charges against him. He dismisses concerns and dares his adversaries to do something about them. He is never anything but unapologetic.

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NeoCon talking points training video

#7 David on 03.09.11 at 11:33 pm

Nope…no greedy, unethical banks here.

This is Canada, dude!

#8 Anotherlowlyrenter on 03.09.11 at 11:38 pm

It does say:”Additional requirements apply for CMHC-insured mortgages.”

wonder what they are…

#9 dd on 03.09.11 at 11:38 pm

#10 McSteve on 03.09.11 at 11:39 pm

“Happy wife, happy life…”
“If Momma ain’t happy, nobody’s happy…”

Have truer words ever been spoken? As much a financial reality as an emotional reality…

#11 LJ on 03.09.11 at 11:40 pm

Well, I guess that the RBC brains are the “Smartest guys in the room” for now.

I’ll take the “Extended” package and skip 4 payments in a row plus take the free payment option….. then think about defaulting! Heck, it’s insured anyhow. By the time they go through the entire eviction process, it should be equivalent to about 2 years of free rent.

PS: Foreclosure rates still rising in Calgary. It isn’t Phoenix yet, but you just have to wait.

#12 Elmer on 03.09.11 at 11:43 pm

JJ: You’re first when it comes to being an idiot.

#13 McSteve on 03.09.11 at 11:49 pm

Why does it surprise anyone that RBC is “bending” the rules? They are only taking their ques from the current government.

Since we are on the subject, anyone who wants to photocopy and send me a tax receipt or two will have my everlasting gratitude. I’m getting ready to do my taxes and I need them by Saturday. In exchange, i’ll give you a few of mine…

#14 T.O. Bubble Boy on 03.09.11 at 11:49 pm

It’s not just RBC. TD and others have had this “skip a payment” concept for a while:

#15 Alex on 03.09.11 at 11:52 pm

Things are looking bleak in the Best Rainforest in the World. But wait! Salvation is at hand, in the form of the mainstream media. Global TV runs a spot that night, like it does every night, excitedly proclaiming that Vancouver real estate is HAWWTT!! He hears a realtor say, “Buy now or pay more when you buy later!” The Vancouver Sun goes wacko over the hordes of wild and crazy Asians here to keep our market headed skyward forever!

Not once does Joe Average hear or read anything in the local media that adequately points to the peril and the realities of buying into a clearly overinflated market. Increasing property taxes? Nobody mentions them. Maintenance, repairs, legal costs, the added expense of “home” vs “contents” insurance, the potential that we’re at this very moment at the peak, the very real truth that Joe might very well be handing over 70% of his income every month to service household debt? Nada. The media, the mortgage brokers, the realtors that the media turns to for “expert” commentary? To them it’s all sunshine and lollipops. After all, real estate’s moved in only one direction for the last decade, so there’s no reason to think it won’t continue to do so, right? Right!

And Joe Average Vancouverite, knowing full well that mortgage rules are changing and that he’d better GET IN BEFORE IT’S TOO LATE, realizes what he must do. He picks up the phone and calls a realtor. No more “throwing away money on rent” for him. It’s a new world, and he’s in charge.

#16 HouseBuster on 03.09.11 at 11:53 pm

#17 Toon Town Boomer on 03.09.11 at 11:58 pm

Your bang on when you say 90% of Canadians are confident in the real estate market. I can’t tell you how many times I’ve been told that housing will never go down now. I don’t get it! Last i heard we Canadians didn’t have money to burn. Maybe some will change their minds when they are standing in line at the food bank.

#18 wes_coast on 03.10.11 at 12:01 am

Wow. Give the guy or gal who invented that little scam a raise. Job well done RBC. It seems inevitable that we are destined to shoot ourselves in the foot when it comes to housing and not evem F can stop it. Its like drugs – so long as there is demand there will always be a supplier. Ask Charlie Sheen.

#19 nonplused on 03.10.11 at 12:04 am

Un-flippin-believable. But the only way to convince the banks to play nicely is to rein in CMHC. Put in a cap (like there used to be) on the amount insured, no second homes, down payment, 25 year maximum amortization, and be very specific about what mortgage terms are allowed. That way if the banksters add new terms that aren’t on the list, the mortgage magically becomes uninsured.

As for subject #1, well, that is the deal. If you want free marital relations you have to buy her a house.

#20 Boombust on 03.10.11 at 12:06 am

What I find so interesting, in this era of Internet and “Social Media”, is how, with SO much information available, people will make the same mistakes as in the past.

There is THIS blog, that blog, this and that site…but, people will still be dumb enough to get in over their heads.

I think someone should take take this on as a Phd. thesis.

#21 VICTORIA TEA PARTY on 03.10.11 at 12:07 am

TWILIGHT IN SAUDI ARABIA? IF IT’S YES, THEN IT’S SUNSET IN CANADIAN REAL ESTATE, TOO!

Garth has been chronicling the stupidities of property “purchasers” for quite some time. It’ll be made more interesting after the 18th of March’s imposition of new mortgage rules, skipped payments notwithstanding.

But the real story about Canada’s future real estate “fortunes” will soon be bound up by a group of angry Shi’ites in eastern Saudi Arabia, the heartland of that kingdom’s oil empire. This is where the rubber will hit the road. Skid marks, tank treads and all.

The Shias are mad as hell and they’re not going to take it any more; “anymore” meaning overt oppression by the Sunni (Saudi) rulers.

As Friday approaches, the day of promised demonstrations, it’s appropriate to take a look back at a late famous Houston oil man’s prescient book.

In 2005 Matthew Simmons published “Twilight In The Desert.”

In a few hundred well-researched and written pages, with accompanying tables and diagrams, Mr. Simmons presented a compelling case for those who doubted the the Saudi rulers’ eternally optimistic statements of how much oil the kingdom had/has left and how much more it could deliver at the turn of a few spigots.

Simmons’ book analyses key fields including Ghawar, the King of Oilfields.

“Ghawar’s cumulative production has exceeded the production of the next few largest oilfields by a factor of two to three since it first began producing oil in 1951,” wrote Simmons (P.151). Its production to 2005 was 55 billion barrels!

Simmons goes on to detail that Ghawar was eventually put on a sort of life-support where Persian Gulf water was pumped into its empty channels.

That allowed for more oil to be pumped to the surface. Trouble is the oil was/is much thicker than the lighter crude the field used to provide to the world. That story has repeated itself in several other huge Saudi deposits.

Simmons’ book tore away enough of the nonsense to be the recipient of nasty rebukes from the Saudi rulers and a few others who depended on PR lies to keep their jobs.

So the question continues to arise, following production disruptions in Iraq and Libya, and who knows where next: can Saudi Arabia still be the producer of last resort over the foreseeable future? Simmons may have said no, had he lived to see what’s happening today.

But a very much alive energy reporter, of some heft, says “no”. Saudi Arabia ain’t what it used to be.

He then issues this caution: “The entire political order of the Middle East has effectively disintergrated, risking yars of upheaval in a region that provides 36 per cent of global oil supply and holds 61 per cent of proven reserves.” And, no, that 36 per cent cannot be found ANYWHERE else.

Elsewhere the website, Oil Drum, and others also express doubts that Saudi Arabia can continue being the supplier of additional capacity saying Saudi production is going full tilt right now and that there is no more margin should another oil producer hit the skids.

In the US, meanwhile, there is a small surplus of oil (much of it Canadian sourced) which accounts for the dramatic difference between WTI crude and the world benchmark Brent prices.

“Supplies have risen to a record at Cushing (Oklahoma), which makes me want to stay away from crude,” said Kyle Cooper, director of research for IAF Advisors in Houston. “WTI has become its own little market, unrelated to what’s happening elsewhere.”

Should the Shias of Saudi Arabia decide to double down in the streets, God only knows what oil will be trading for soon.

REAL ESTATE WHACKOS

In that event, not even the smooth-talking property debt-assister Angela Calla will be able to do a damned thing about it!

For sure, lifestyles in flippish Vancouver will be sack cloth and ashes in a very big way.

Even some of those Chinese zillionaires will find the airfares too high, when the fuel surcharge is finally imposed, to come to Vancouver; except if properties are going for Florida-type prices.

#22 Dodged-A-Bullit-in Alberta on 03.10.11 at 12:09 am

Greetings: #10 [McSteve]

You referenced financial reality and emotional reality, but missed the third, physical reality. Wifey not happy, no nooki.

Forbes list of all the known billionaries in the world is out. About 1200 in total.

Here are some interesting points from the list:

One of the great myths out there is that “all the great fortunes of the world were made in real estate’. That story originates at least as far back as Andrew Carnegie 100 years ago. If it were true then, it is not true now. Very few entries ion this list indicate anything to do with real estate as the source of the wealth. banking seemed to be one of the most common sources for the wealth. In terms of the top 50 richest people, real estate is the source in only two cases and none in the top 20.

#24 shanks on 03.10.11 at 12:12 am

Hey Vlad, I like the coke can solar heater… seen that idea for a while, some country man tried it a while back. slap one of those on a greenhouse, add some LED lights, and a little wind turbine and instead of squirrel soup you’ve got squirrel stew!!

In case you have never seen this one before, the future is now, and we can all say that we have seen it before TPTB gobble it up and pretend it never was:
http://www.youtube.com/watch?v=CrxfMz2eDME

#25 Paulson on 03.10.11 at 12:13 am

Apparently Canadians are confident with their ability to pay their mortgages. There’s no combination more toxic than over-leverage and overconfidence.

I see people at work buying houses and I think they’re insane. They don’t think twice about the prices. Honestly, I don’t know how they afford it but they’re pretty confident that they can.

Plus they’re ‘OK’ if their mortgage goes upside down. What a load of crap.

BTW – Check out this Inflation Guide…free until March 10:
http://www.planbeconomics.com

#26 Matthew on 03.10.11 at 12:15 am

I did notice that your blog is about “economics, real estate and money” however, it is my opinion that the majority if your posts are RE focused.

It would be great to have you opine on other subjects more often!

Have a great one,
Matthew

#27 walter safety on 03.10.11 at 12:16 am

#28 Kate on 03.10.11 at 12:20 am

I am a female and I am the only bread-winner in the family. My husband couldn’t care less about the house, finances, etc. (cars, guns, 😉 So I am a sole decision maker, too. But even though I work from home and most of my friends do not own houses meaning that I am almost out of culture and peer pressure, every time I visit somebody with a house, I feel I want one. Thanks God, I have enough male-style brain which stops me from making a financial suicide. What is it, Garth? Nesting instinct? Hormones? Even though we are happy renting and have always been renting nice places with a bit more space than we need for additional comfort… WEIRD!

#29 Makes Cents on 03.10.11 at 12:20 am

I am turning to the dark side and buying several different bank stocks, they will not lose, just change the rules when they need to.

#30 Kate on 03.10.11 at 12:21 am

PS. I do not watch TV either.

#31 Devore on 03.10.11 at 12:24 am

Despite record household and mortgage debt, rising inflation and stagnant wages, 75% of these souls believe “they are well positioned to withstand a decline in the housing market.”

It’s the 25% I’d be worried about. And you can be pretty sure a good chunk of the 75% are overly optimistic.

#32 Gord In Vancouver on 03.10.11 at 12:31 am

But here comes the “Skip-a-Payment” option at RBC.
____________________________________

Thanks for finding that, Garth.

#33 duh winning on 03.10.11 at 12:34 am

#34 Dork on 03.10.11 at 12:42 am

CIBC approved me for a 2.15% VRM. Cheap cheap cheap! Oh yeah, rates are gonna rise and crush me down right? Of course, that’s what they told me in the last decade when brilliant minds took 6% FRMs. Get real! BOC won’t do anything. You mad?

#35 Jon B on 03.10.11 at 12:59 am

#36 Naive or Stupid on 03.10.11 at 1:00 am

and we were led to believe that the banks lobbied for these mortgage changes because of all the debt ratio….

Anyway hopefully atleast the max mortage approved will be less than before.

#37 serge on 03.10.11 at 1:06 am

Nortel stock: only rises except for that one time

#38 North van dude on 03.10.11 at 1:07 am

The mob have been doing this forever. When you hand them a light envelope, the amount in arrears is added to the principal.

See season 2 of the sopranos for a good example- when davey scatino falls behind on payments to Richie Aprile.

Richie says- when someone hands you a light envelope, it’s just the beginning. True dat.

#39 Jody on 03.10.11 at 1:09 am

Get rid of the CMHC now!

#40 Crash Callaway on 03.10.11 at 1:14 am

That skip a payment option gave me new respect for bank robbers.

#41 Wilde_at_heart on 03.10.11 at 1:33 am

Most ‘landlords’ that I know of these days are not getting rich off their renters – far from it.

The renters sometimes get a bargain because the fool they are renting from is often expecting to make his money on further price appreciation and is actually losing money every month – absorbing both the risks and the carrying costs.

#42 Nostradamus Le Mad Vlad on 03.10.11 at 1:37 am

–
#24 shanks — That’s a great link, the other one being the man from Newfoundland who has invented a way to keep homes relatively warm by using free solar energy. Posted the clip and his site — good to see some Cdns. still use their noddles for self-improvement. Thanks for the feedback!

#34 Dork — “You mad?” — No, I Mad, you Dork!
*
“Happy wife, happy life”. — Obviously she’s overjoyed, as she is stringing him along by the balls, like a puppet on a string. He is her play’doh!

“Oprah and Arnie here, a.k.a. Mr. and Mrs. Terminator.”

Making it a humdinger of a night, toss in Groucho Marx, Britney Spears, Mongo, Betty Grable and there is one heckuva party!
*
US$ Hits new low, which is why prices are rising so dramatically, and Govts. about to lose control of the markets.

Final Steps to global supremacy. This is where Gandhi’s non-violent, don’t help the authoritarians comes in useful.

Redistribution Forbes top 400 tripled their wealth in five years.

12:02 clip Vaccines. A mother tells it like it really is, and Vaccines Two.

NAU – SPP There is no war on terror, there is a war on freedom. Ours.

Peru Several civilizations were much more advanced tan us.

‘Quakes, Shakes and Bakes With the Christchurch, NZ and Japanese quakes plus aftershocks, there is a reasonable chance that the next several weeks are gonna see a lot of bumping and grinding thruout the world, esp. with that extra-large moon happening around March 21 or so. Here too.

Propaganda Alert “The War Hawks floated this one in 2003, claiming Iraq had this weapon, but the weapon they described could not actually work.” wrh.com.

PIMCO dumps US debt China is using moving some of their US debt holdings into material goods.

Billions and Billions Suggestions on giving money away. I can handle a couple of million!

Turmoil Seems the tables have turned, and westerners are experiencing what people in third world countries go through.

#43 Sunshine Blower on 03.10.11 at 1:46 am

#44 BrianT on 03.10.11 at 1:58 am

#45 george on 03.10.11 at 2:20 am

It’s because most women are still idiots and

#46 NLN on 03.10.11 at 2:25 am

> Men often see real estate as an encumbrance and a pit
> of debt. Women tend to see stability and permanence.

Of course women want the best house possible their man can or even cannot afford. It is considered “spoils of war” during the divorce.

#47 SwampLily on 03.10.11 at 2:26 am

In just the last 2 years, the owner has paid for a new roof, new water heater, new clothes dryer, new bathroom sink basin, new taps and shower head, about 10 plumber and appliance repair visits, clean-up crew for the flooded basement (twice), and for new pipes laid to the city drains so the basement doesn’t flood again. If this were “our” house, we’d have used up that 24K easily for all the maintenance; we would also be deep in mortgage debt with no way to save.

The decision not to buy right now is an easy one, but we do hope that housing prices become reasonable soon!

#48 Peter Pan on 03.10.11 at 2:46 am

I can’t believe RBC is trying to circumvent the new directives from CMHC… CMHC should simply refuse to insure these types of mortgages… Either that, or privatize CHMC.

I remember the poor bank CEOs only a few short months ago begging for the government to save them from their shoddy underwriting only to actively try to undermine these regulations once they are tabled.

#49 Spiltbongwater on 03.10.11 at 3:00 am

The more women I meet, the more I think the gheys are right, and the Pope is wrong.

#50 Rob Nelson on 03.10.11 at 3:08 am

RBC has had that “skip a payment” option for years. It has nothing at all to do with recent developments. But nice attempt at spin, Garth.

No spin. It’s back-door amortization lengthening. — Garth

#51 Utopia on 03.10.11 at 3:21 am

#21 VICTORIA TEA PARTY wrote……

Thanks Victoria, you are always a good read.

I really enjoy Ambrose most days too. He is dead wrong on this topic though and is just feeding into the mythology of the Mid East, of the fear and anxiety of the moment by publication of those comments.

Two hundred dollar oil is just brain dead stupid thinking. It won’t happen anytime soon and those who are speculating on it will surely be losers. I even question if Ambrose has any solid facts that ANYONE anywhere is actually taking bets to that extreme. I will go check his post later (and admit now that I am responding here before even reading his comments)…..but it sounds crazy so I am not buying it.

Greek debt default is still the number one worry I have.

Conflicts in the Mid-East (and tempory rises in oil prices as an outcome) are merely a distraction from the real disaster awaiting us all. How the ECB contends with the structural problems they are facing in the EU community is of far greater concern. Let’s keep focussed on the real issues. Like debt that cannot ever be repaid.

For a less stressed perspective on the conflicts in the Mid-East and North Africa and some thoughts on where the revolts are really taking the globe in the years ahead,……… try this:

Then get back to me with your opinion.

#52 Kuwaiti on 03.10.11 at 3:28 am

At #21 Victoria Tea Party

Spot on, being from the region myself, I can tell you one thing… we are in complete denial about the implications of peak oil. I fear for the future as Arab oil revenues are being spent on BMW’s instead of preparation for a world without oil.

#53 Michael on 03.10.11 at 3:50 am

this is getting ridiculous. with zero down, fake 35 years, not-really verified income and lending up to an insane % of your income. How come all this is legal?

Why shouldn’t it? The bigger question is why there aren’t any consequences for the people who underwrite these mortgages or take them on. Or differently: Let’s privatize the CHMC. Give it to the banks, it’s for their benefit after all

#54 Burnaby Boy on 03.10.11 at 3:56 am

Don’t blame the banks guys. Out here in BC it’s the government. First the BC government tore up a legal contract between hospital workers and the employer and rolled the wages back by a minimum of 15%. The latest theft by the BC government is over a million dollars worth of prepaid ferry tickets. But you overseas investors keep investing here as you can trust the government – ha. ha!

#55 Carp on 03.10.11 at 4:27 am

I love my wife …. great cook, keeps to budget and understand times to go forward, stand still or move backward for the greater good.

Suckers are those with wives that control them, don’t trust you are way to emotional or worst think they deserve the big house, big car and big debt.

#56 Deliverator on 03.10.11 at 5:38 am

Yes. Exactly as Fannie and Freddie did it, complete with backing by the full faith and credit of the Government of Canada, which means you.

“NHA Mortgage Backed Securities

For many years, investing in mortgages was limited to investors with large financial resources. Now, thanks to Mortgage-backed Securities (MBS), the investment is accessible to all Canadians. MBS investments guarantee a timely payment to the investor, and provide more money through mortgage markets to help Canadians purchase a home.”

#57 Brian1 on 03.10.11 at 6:29 am

#58 Jas Girn on 03.10.11 at 6:42 am

Banks are big scammers, yet they get away because they are in cahouts with the government. Who the hell came up with the brilliant idea of an 11 month pay system? Wow, it astonishing how the abnks say they want to help you but are just more interested in more interest payments. The people of Canada are being fleeced, and they are not doing anything about it. Damn, wake up! I am a Canadian citizen too, but if things get worse, I am moving elsewhere.

Geezers retiring, cash hard to find, expenses soaring – how much more is the government going to take to finance all this spending? I am 30 years old and I am seriously Fu***d. I have no debt and have 20k in liquidity, but I am screwed. Will probably move to the woods if things get bad. Hahaha.

In regards to women and houses, my ex-gf wanted me to buy a house (after looking for like a day on kijiji), and I said no! She was upset, but I do not care. I told her that she was not going to pay for the house, so better stop whining. It’s funny how she changed her mind and wanted to buy a house when she is pretty educated on how a house is a debt prison. Women man.

#59 Frank on 03.10.11 at 7:48 am

Majority of people in Canada are slaves to the banks with no way out. This is why Canadian banks do so well, even in downturns, since people must pay the mortgage regardless of the value of their RE.

#60 Pr on 03.10.11 at 7:54 am

But here comes the “Skip-a-Payment” option at RBC… The game is RIG. All the predictions goes out the window. You can t plan in advance with this corruption at the top. You never know when they gonna pull the plug. They are not ready… yet!

#61 SAD on 03.10.11 at 8:12 am

Skip a payment program is great.
Risk taxpayer, profit bank…
In fact it supports headlines such as this one in the Globe today
Homeowners confident, survey suggests

Brought to you by H, F and C and our strong financial institutions…
Good way to cover up a credit bubble
Get to hide reality
Would not want Canadians knowing the facts now would we..
Our economic system is so screwed.
This stuff creates nothing but illusions and destroys fundamental financial principles
Promoting financial illiteracy

#62 jman on 03.10.11 at 8:19 am

RBC had the skip-a-payment on all of their mortgages as far back as 1995. I worked there at the time.
They also have double your payment and prepayment options as well. Unfortunately too many people use the former and not enought use the latter.

#63 S-J on 03.10.11 at 8:32 am

Not sure if this has been posted before. This Irishman’s honest view of bankers and the financial mess.
http://www.youtube.com/watch?v=koY6kXhQDQo&feature=related

#64 Guan-Di on 03.10.11 at 8:34 am

Skip your first payment of the year, save it to “subsidise” your next eleven payments, could work… however that assumes people are financially disciplined enough to save the money from the missed payment in order to cover the next eleven. Somehow I doubt this is likely from the kind of mentality who would buy a house with 95% leverage intending on missing one in twelve payments… don’t seem like the disciplined type to me.

#65 OttawaMike on 03.10.11 at 8:38 am

Food riots coming to England?
Mideast contagion could spread further than you think:

#66 X on 03.10.11 at 8:48 am

Let the banks circumvent higher rates….

#67 For the gold lickers on 03.10.11 at 8:48 am

The Utah State House passed a law last week that would recognize gold and silver issued by the federal government as legal currency. Furthermore, the bill would also exempt the sale of gold from state capital gains taxes.

#68 Moneta on 03.10.11 at 8:55 am

The correction is coming, and when it does there will be a lot of Canadians eating crow (in fact, many are even today).
————
And that’s why CD Howe is telling us there will be no inflation!

#69 Moneta on 03.10.11 at 9:04 am

So how do we reconcile that Mars is reckless but worries about financial stability, while Venus is cautious but happy to leverage bigtime for a house?

Perception, of course. Men often see real estate as an encumbrance and a pit of debt. Women tend to see stability and permanence. And by all accounts, she’s winning.
———
Not so long ago, until about 1997-1998, you paid down your mortgage. It was forced savings. So for a century, a house protected the wife and kids.

For the last decade, refi and the house as an ATM has been the name of the game, but many people have not caught on yet. Capital gains has blurred the picture.

#70 Love this Blog on 03.10.11 at 9:09 am

Kudos go out to Victoria Tea Party and Utopia. I always enjoy your intelligent posts.

#71 Love this Blog on 03.10.11 at 9:18 am

I should add in “The American” as well. Many useful posts too.

#72 Just a bypasser on 03.10.11 at 9:22 am

But that’s exactly it – desire for owning a house is emotional, it’s wired in human beings, you cannot compare it to piling on a Nortel stock back in the days. The concept of keeping up with the Johnses is ages long, and look at these palaces of old days aristocracy! You cannot dismiss something that’s almost in a human DNA. Promoting renting over ownership is somewhat similar to advocating for staying single over a huge expense of having a wife and kids. And divorce could be equivalent of a crash down the road. Yet good luck convincing the majority of people of that. And rightly so.

P.S. RBC had this options for years, I was foolish enough to exercise it one time back in 2000 on a 25 years mortgage (the longest available back then, yet this option already existed).

#73 Moneta on 03.10.11 at 9:26 am

I just did a little research yesterday…

In 1997, before this real estate frenzy got going, securitization revenues for the big 6 were probably around 300M.

In 2008 = 2.1 billion
In 2009 = 3.8 billion
In 2010 = 2.9 billion

We know who helped them securitize. And we know that once the music stops, these revenues will normalize.

Investors are currently putting 2X value on those non sustainable revenues.

And one they sell and get the cash, they use it to buy other stuff that generates more revenues. So once these securitization revenues normalize, it will impact many other revenue sources. A domino effect.

When real estate tanks, I’m trying to understand how the top line will not contract.

#74 Moneta on 03.10.11 at 9:30 am

And one they sell and get the cash, they use it to buy other stuff that generates more revenues
——-
Correction:

And when the banks securitize and get the cash, they use it to buy other stuff that generates more revenues.

#75 Moneta on 03.10.11 at 9:40 am

It’s not just RBC. TD and others have had this “skip a payment” concept for a while:
————
We are following in the Americans’ footsteps, we are just giving it a different name. The Americans called it the Option ARM.

It came out towards the end, when less and less families could afford a mortgage but they needed to keep the Ponzi going.

#76 Moneta on 03.10.11 at 9:49 am

P.S. RBC had this options for years, I was foolish enough to exercise it one time back in 2000 on a 25 years mortgage (the longest available back then, yet this option already existed).
———
In the US, the esoteric mortgages weren’t a new creation, they had existed for a while.

What changed is who used them and for what purpose. In 99.9% of cases it was to prop up the Ponzi.

#77 olliekk on 03.10.11 at 9:53 am

Yesterday #233 Nomad – “I see a lot of people saying Vancouver is a “shitty” city where they would not live.”

I have a passport and I have travelled, so I cannot understand this either. I guess Vancouver is not for everyone, but moving there or somewhere in B.C., is definitely in my future plans.

Yes, the real estate is expensive and if you do plan on buying, you need to watch when you buy and what you are buying (leaky condo), or perhaps renting will work better for you. Everyone’s situation is different.

Yes, it also rains a lot too. I’ve been there a few times when I wondered whether I should have packed flippers instead of hiking boots.

I haven’t checked any statistics, but I am sure that many more tourists visit Vancouver and B.C. than Ottawa, Toronto or anywhere else in Ontario and unless you’ve never been there, it’s kind of obvious why.

I personally, would rather have less money in my pocket (due to the higher cost of living) to live somewhere so beautiful and with an endless amount of things to do, than to have more money and live somewhere like Moncton N.B.

I currently live in Ottawa and cannot wait for the day when I am out of here.

#78 Renting in Rosedale on 03.10.11 at 10:02 am

#59 Frank on 03.10.11 at 7:48 am…

“…Majority of people in Canada are slaves to the banks with no way out…”

True statement Frank. Sadly though, it seems many don’t even realize this.

#79 Kevin on 03.10.11 at 10:05 am

This isn’t new. The “Skip a Payment” option has been offered by all lenders forever. You make it sound like this is something RBC recently cooked up to dodge the elimination of 35-year amortizations.

And also, if you exercise the “skip a payment” every single year of your 30 year mortgage, you end up with 30 extra payments left at the end. That’s only 2.5 years. Of course, if you “skip a payment” those next 2.5 years, that adds 3 more months to the effective amortization, making the total amortization 32 years, 9 months. That’s still not the same as a 35 year amortization.

Finally, the “skip a payment” option was available with 35 year mortgages too, so you could in effect make those mortgages into 39-year mortgages, if you really want to dig into it. So they’ve still reduced the effective maximum amortization by 5 years, which is exactly what they were trying to do.

#80 T.O. Bubble Boy on 03.10.11 at 10:11 am

>> Just like the U.S. with Fannie/Freddie, many Money Market Funds and Fixed Income Funds in Canada (and many outside of Canada also) own Canada Housing Trust Mortgage Bonds… including most of the standard Bond Funds from the same big 5 banks that sign up all of these crappy mortgages and flip the risk to CMHC.

>> Just like the U.S., all of these bonds are rated AAA, because they are backed by the Government, and “house prices only go up”.

Look at the Top Holdings in these popular Big Bank Mutual Funds:

Based on this, not only do Canadians “own” the risk on these crappy mortgages via CMHC, but many Canadians also “own” this crap via these Funds!

#81 Nemesis on 03.10.11 at 10:13 am

“Perception, of course. Men often see real estate as an encumbrance and a pit of debt. Women tend to see stability and permanence. And by all accounts, she’s winning.” – Hon. GT

“The Button Defense”

#82 ritenote on 03.10.11 at 10:16 am

It’s because most women are still idiots and

————————————————
Interesting Garth…you invite him to the party with misogynist (def: having or showing a hatred of women…figure most of your bloggers need this def.) arms open wide…and then refuse him a piece of cake…a little precious, no?

“So how do we reconcile that Mars is reckless but worries about financial stability, while Venus is cautious but happy to leverage bigtime for a house?” This is misogynist, how? — Garth

#83 kw on 03.10.11 at 10:17 am

Garth, your property in Pictou NS is still available. Down to 175K. 199K last time I looked

#84 housedoc on 03.10.11 at 10:18 am

Garth.
I’ve been meaning to send you a picture of a Remax billboard on a very prominent corner in East York (O’Connor @ DVP ramp).
It states “Don’t get a divorce, buy a bigger house”!
You can’t make this stuff up.

#85 Throwstone on 03.10.11 at 10:21 am

A little more evidence why home builders are backing out….

#86 yt on 03.10.11 at 10:25 am

So Garth, if skip one payment = 35 yr amortization, how long before some banker finds their other hand, adds them together, counts fingers and figures out that skip 2 payments = 40 year amortization?

Yahoo, that would put us back to the good old days!

#87 Kevin on 03.10.11 at 10:39 am

I’ve got to say, I’m a little surprised by the calibre of commenters here. It seems I may have given your readers too much credit. Even after filtering out the juvenile “first p0st!” antics, and the misogynistic ad nauseams on poor Arnie’s wife, the remaining on-topic comments are surprisingly ignorant and misinformed.

For example, many commenters (and you yourself, Garth?) seem to be unaware that all banks offer the “Skip a Payment” option, not just RBC. Moreover, it’s definitely not new – it’s been around as long as mortgages themselves have existed. Yet that doesn’t stop your cadre of back-patters from piling on as though this were some new dasturdly scheme to dodge a rule that hasn’t even come into effect yet.

A couple more examples that really caught my eye:

A “little” inflation? How much inflation does it take to triple the cost of diapers? 200%, actually. I’d say that qualifies as considerably more than any reasonable definition of “a little.”

Or how about Peter Pan? “I remember the poor bank CEOs only a few short months ago begging for the government to save them from their shoddy underwriting only to actively try to undermine these regulations once they are tabled.” Apparently, this fellow is unaware that there’s a difference between US banks, which received a massive government bailout several years ago, and the Canadian banks being discussed, which received no such government bailout at all. Do they not have newspapers in Never-Neverland?

Garth, your posts are insightful, well-researched, and clever. Frankly, I expected a higher level of discord from your readers. Instead, they seem to just blindly pile-on, spouting made-up statistics and getting their facts completely mixed up (or just making them up from scratch, where convenient).

Oh well. If nothing else, it’s entertaining.

Yes, skip-a-payment is not new. Nor did I say it was. But it provides a route around new amortization rules. That’s news. As for the readers and posters here, suck it up. We all have voices and something to add. — Garth

#88 Gord In Vancouver on 03.10.11 at 10:42 am

I currently live in Ottawa and cannot wait for the day when I am out of here.
__________________________________

Make sure you land a respectable job before moving to Vancouver. You’ve been warned.

#89 The American on 03.10.11 at 10:43 am

#90 expat on 03.10.11 at 10:43 am

@#77 – re. Ottawa vs. Vancouver…

You could do a lot worse than your current hometown.

I grew up in Victoria, spent time in Vancouver and Ottawa, and now live offshore. My years in Ottawa were, without a doubt, the best years of my life. There are many reasons why it made the #1 spot of top city in Canada to live.

I’m tired of hearing about how great everyone thinks Vancouver is. Is it beautiful? Absolutely.

#91 The American on 03.10.11 at 11:00 am

LOOK! Its GARTH. Great commentary.

#92 ash on 03.10.11 at 11:02 am

Not all woman have blind siders on. Like i’ve said in a previous post, me and my boyfriend just sold our home and we are getting on the renting band wagon. Clearing debt and stacking. I’ve learned in my short life on earth, if most people are doing one thing you may want to try the opposite 🙂 Maybe it’s because I am awake, but I just don’t understand how people don’t see it.

Like Kate’s post above, I also don’t watch t.v. What a distraction…. That’s why you see stats like:

“Despite watching real estate destroy the US middle class for five years now, 90% of Canadians “are confident in the country’s real estate market”.

Because people get their information from mainstream media, who controls mainstream media…

People don’t take the time to do research and people tend to follow the crowds.

#93 45north on 03.10.11 at 11:08 am

This has about the same effect as turning a 30-year loan into one with a 35-year amortization.

except when it comes time to collect the insurance from CMHC

supposing at the time CMHC were no longer captive to the banks, CMHC could argue (in a court) that the bank’s policy and practice had the effect of subverting the legal standards of prudent lending. Ergo ( a legal term) CMHC is not required to pay the banks. To the extent banks actually allow the mortgagee to skip a payment is the extent to which the bank removes its guaranttee with CMHC.

#94 Brave Sir Robin on 03.10.11 at 11:28 am

Arnie, buy her the house. A 30% loss on your purchase is still much less expensive than a divorce. That’s why lawyers live in big houses and send their kids to private school!

#95 Throwstone on 03.10.11 at 11:51 am

Wait a few years, lets see how you think when you want your boyfriend to be your husband.

Btw…why did you sell that house?…To ‘get smart’ and realize any gains while you can, or did you sell the bricks and mortar to cover debts and effectively bring you back to par?

#96 Daisy Mae on 03.10.11 at 11:54 am

Rob Nelson on 03.10.11 at 3:08 am

“RBC has had that “skip a payment” option for years. It has nothing at all to do with recent developments. But nice attempt at spin, Garth.”

This option has been around for awhile, I believe, but doesn’t apply to traditional 10 and 25-year mortgages.

#97 Oakville Owner on 03.10.11 at 11:56 am

RBC has had that “skip a payment” option for years. It has nothing at all to do with recent developments. But nice attempt at spin, Garth.

No spin. It’s back-door amortization lengthening. — Garth
xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Garth: Lets get real. I have been with RBC for 7 years with my mortgage and they have had this option since day one. I have never used it and never will. If RBC is now marketing it as a way to extend the amortization it is nothing more then a smart marketer putting a spin on an old idea. I’m sure most other banks have the same option.

If they are not marketing it this way then I agree with Rob, nice try at spinning this.

Canada’s largest bank might wish to review a policy which provides an end run around federal regs. You disagree? — Garth

#98 Live Within Your Means on 03.10.11 at 11:56 am

#42 Nostradamus Le Mad Vlad on 03.10.11 at 1:37 am
–
#24 shanks — That’s a great link, the other one being the man from Newfoundland who has invented a way to keep homes relatively warm by using free solar energy. Posted the clip and his site — good to see some Cdns. still use their noddles for self-improvement. Thanks for the feedback!
……………

Remember seeing both of those news items. Not sure the car will ever become reality – remember Who killed the Electric Car.

Just sent my husband the link re the solar panels. We put in an Electric Thermal Storage Unit – http://www.steffes.com/off-peak-heating/ets.html
in Dec. or Jan. & are considering putting in a small unit upstairs this year. Price would be about the same as a solar panel. Wondering if these units work if one has an air/heat exchanger. As he’s more science minded, I’ll let him figure it out. With the ETS I only use the dryer (winter mos.), dishwasher (before 7 am), do lots of cooking, etc. on weekends to take advantage of off peak hours. Have gotten used to it. Our electricity costs are very high where I live. They say it takes 5 yrs to recoup costs, but I think we’ll do it within 3+.
……………………

“Happy wife, happy life”. — Obviously she’s overjoyed, as she is stringing him along by the balls, like a puppet on a string. He is her play’doh!

LOL – Day we were married, by a JP, in our previous home, we took some pics outside. Husband put the dog’s collar around his neck & had me holding the leash. He never has been on one tho. Thankfully, we both basically have similar views financially & otherwise.

#99 Marty on 03.10.11 at 12:01 pm

From RBC’s website that Garth linked to:

“Please note that Skip-A-Payment is not available with terms of 10 or 25 years.”

So yes, this is specific for 30+ year mortgages. However, a few years ago, I seem to recall the “skip-a-payment” option being available to regular mortgages.

I guess the real telltale sign would be if the RBC is promoting this to young couples as a way to have their “35 year amortizations”, as opposed to just stating that it’s an option they should only use in case of emergency or when money’s tight during a particular time.

One thing young homeowners should keep in mind though is that at the beginning of the mortgage, maybe one quarter of their mortgage payment goes towards the principle. The remainder goes towards interest payments alone. By skipping a mortgage payment, they are in effect setting themselves back 3 or 4 months when it comes down to repaying the principle. That will just raise the monthly amount the next time they renew the mortgage.

#100 Live Within Your Means on 03.10.11 at 12:05 pm

#46 NLN on 03.10.11 at 2:25 am

Of course women want the best house possible their man can or even cannot afford. It is considered “spoils of war” during the divorce.

……………
Not the women I know. Your reply is stereotypical.

#101 vreaa on 03.10.11 at 12:06 pm

Animal Spirits, Primitive Superstitions –
“Address numbers could hold key to fortune”

CBC article/video excerpts,
stills and transcription

#102 Kevin in Winnipeg on 03.10.11 at 12:08 pm

And that is the problem. Nowhere did you mention it wasn’t new. Readers, including myself without ever knowing about “skip a payment” would instantly side against the banks. When I heard it here, my thoughts were those evil banks again trying to get around the rules. I do not think you deliberately left out info for your advantage but the perception was exactly that.

Think what you wish. The reality is that this circumvents rules which take effect next Friday. One would hope scrutiny like this makes banks reconsider some of their product offerings. — Garth

#103 David_Ricardo on 03.10.11 at 12:18 pm

Interesting take on the US RE market from coming additional financing costs.

“What does this mean for residential real estate prices? I’ll attempt some quick, back of the envelop calculations here. Raise the cost of financing by 40%, and you can knock 40% off the value of your property. That is off of today’s prices, which are already down 40%-60% from the 2007 peak, depending on your neighborhood.”

#104 Herb on 03.10.11 at 12:31 pm

“… I am the only bread-winner in the family. My husband couldn’t care less about the house, finances, etc. …”

Where have you been all my life?

#105 squidly77 on 03.10.11 at 12:32 pm

#84 – Go back to your REIN site, a lot of good folk read and leave comments here. But your not smart enough to realize that.

Here’s a good trading stock, this not a stock to invest in, its a trade only mark that needs to be watched constantly, in and out twice a week is sometimes necessary, DO NOT INVEST IN THIS, TRADE ONLY.
HNU.TO

#106 bystander on 03.10.11 at 12:36 pm

Bankruptcy is the salvation for a lot of people. Believe it or not, it is so for those who are indebted deep. Banks want you to be on the hook perpetually. You don’t want to do what’s good for the bank. Run your own race. This is the path, the financial elite really don’t want you to take. Not an easy hanging fruit, but doable.

#107 FormerVanCityOwner on 03.10.11 at 12:39 pm

Garth Says “Canada’s largest bank might wish to review a policy which provides an end run around federal regs. You disagree? — Garth”

I disagree, because however distasteful this policy is, it’s clearly not an ‘end run’ around the rules. Skip-a-payment does nothing to change the amount that a borrower can qualify for. You still have to qualify under a 30 year amortization.

Of course, but it does allow a 30-year to become a 35-year. It bears reviewing. — Garth

#108 BrianT on 03.10.11 at 1:06 pm

#90Ex-The funny thing about the survey saying Vancouver was the “most liveable city” on the planet-if Vancouver circa 2011 is the most liveable city on the planet, what does it say that most would agree that Vancouver circa 1961 was far more liveable?

#109 BrianT on 03.10.11 at 1:11 pm

#100Live-On these internet dating sites, women should be putting that right at the top of the description in bold letters-something like I AM NOT INTO POSSESSIONS ESPECIALLY BIG EXPENSIVE HOUSES. Then just sit back and watch the inbox oveflow.

#110 betamax on 03.10.11 at 1:14 pm

“75% of these souls believe “they are well positioned to withstand a decline in the housing market.””

In repeated polls, most people believe themselves smarter than average.

#111 VicHouseOwner on 03.10.11 at 1:14 pm

We bought our house in 1988 and RBC had skip-a-payment back then too.. our interest rate were 12%, I had to put 25% downpayment!

#112 Cellar Dwellar on 03.10.11 at 1:15 pm

@ #20 Boombust
“….What I find so interesting, in this era of Internet and “Social Media”, is how, with SO much information available, people will make the same mistakes as in the past…..”

#113 Mr. Reality on 03.10.11 at 1:29 pm

First off i fully agree with Garth 100%. But i am putting my money where my mouth is. If you really believe things are going to sh*t the fan look at the historical charts for the Dow, S&P 500 and the TSX. They are peaking. Get out now and start shorting. Just like realestate the stock markets are due for a correction. This scenario can be a win win situation if played correctly. Sell your house and rent, then get back in at the bottom. Get out of your portfolio at the top (NOW!), short your way to the bottom and buy back in once the bottom is established….

#114 AM on 03.10.11 at 1:49 pm

#77 olliekk on 03.10.11 at 9:53 am

You’re right about one thing…your opinion.

I grew up in southern Ontario and after discovering BC in my early twenties, thought it would be a wonderful place to live. In my experience, when you are a vistor, you tend to admire all the positives that your destination offers. Living there and visiting are two completely different things.

I did move there, and stayed for 14 years. My four children were born in the lower mainland and to them, BC was home. We moved back to southern Ontario several years ago, and the intersting thing is that three out of four of my kids now prefer Ontario, and the fourth could take either.

#115 tran, Calgary on 03.10.11 at 2:09 pm

“PS: Foreclosure rates still rising in Calgary. It isn’t Phoenix yet, but you just have to wait. ”

Do you have a link for the above? Thanks

#116 Lily Spring on 03.10.11 at 2:12 pm

#45 George- You get what you attract.

#117 pigeon patties on 03.10.11 at 2:13 pm

I run a business and I don’t extend credit to people living under shopping carts just to increase my volume. I live or die by my choices. Banks need to as well.

Owning a house at 22 is not some socialist right, you save money for a downpayment and qualify. The gov’t has this housing entitlement idea all wrong.

#118 (low density) Sam on 03.10.11 at 2:15 pm

Garth:
Men often see real estate as an encumbrance and a pit of debt. Women tend to see stability and permanence.
_____
I disagree Garth. While financial stability and permanence seem important to most of the women I know, their main reason for wanting a house is to fit in socially or to slightly increase their status among their peers.

#119 Lettuce on 03.10.11 at 2:16 pm

#120 prollywrong on 03.10.11 at 2:18 pm

SPRING MELT CHILLIWACK BC

A housing outsider’s update from the Eastern Fraser Valley, where greeting at Walmart gets you a fat mortgage and the local car dealers are society’s upper class, but it appears real estate does not in fact always go up…

Listed Autumn 2010 for mid 5’s. Just dropped another 20 G’s to 479. How low can we go? (and this in one of the ‘poshest’ neighbourhoods in this little floodplain of a town). Bummer about your retirement.

Listed Autumn 2010 for 380. Dropping steadily…

Listed last Autumn, pulled off the market over winter, re-listed a month ago for 20 grand less and still sitting.

This one’s been on the market since Autumn 2010 as well. No price change yet…tick tock…

Listed six weeks ago for 330. Forty grand price shave in the second week. Oops! This ain’t Richmond folks.

And there you have it: anecdotes and misinformation brought to you by Prollywrong.

PS: Average home price in Chilliwack in 2001: 150,000.00. Average home price now: around 350,000.00…for the same forty year old mouldboxes in a swamp.

#121 (low density) Sam on 03.10.11 at 2:21 pm

#19 nonplused on 03.10.11 at 12:04 am
rein in CMHC. Put in a cap (like there used to be) on the amount insured, no second homes, down payment, 25 year maximum amortization, and be very specific about what mortgage terms are allowed.
______________________________
Won’t work. If you go the specifics route the banks will game the system – invent new terms, previously unforeseen, that don’t change existing terms.

What’s needed are 2 clauses – one that says “any substantive change – addition or deletion” will give CMHC the right to charge bad mortgages back to the banks.

And second, any ambiguities are adjudicated in CMHC’s favour, and against the bank’s interests.

#122 Ottawa S on 03.10.11 at 2:23 pm

I currently live in Ottawa and cannot wait for the day when I am out of here.

Anyway, the point is the grass is always greener on the other side. And Vancouver and Ottawa suck equally 😉

#123 Lily Spring on 03.10.11 at 2:25 pm

#46 NLN – Are you making a general statement about women because you’re high? Or are you just profoundly stupid and are surrounded by hosers.

To all of the ladies that carry at least half of the financial burden, and those who carry all of it, and even those who just (right) raise the kids and run the household >>>

No assholes aloud, am I right Ladies?

#124 Live Within Your Means on 03.10.11 at 2:26 pm

#62 jman on 03.10.11 at 8:19 am
RBC had the skip-a-payment on all of their mortgages as far back as 1995. I worked there at the time.
They also have double your payment and prepayment options as well. Unfortunately too many people use the former and not enought use the latter.
…………….

You’re right. We went with RBC. We doubled up and also had the ability to annually put down a percentage of the ORIGINAL mtg., which we did.

#125 Kitchener1 on 03.10.11 at 2:28 pm

Its already been posted here but that skip a payment plan has been around for a long time and used to be available for other term mortgages. Now it seems its only available on 30 year mortgage.

It is a workaround and im sure it is totally legit in terms of meeting CHMC terms and conditions or else they wouldnt offer it.

Once the market turns there is no magic bullet. The US tried that and it did not work.

As for the women wanting houses vs men. Somewhat true but not totally. I have co-workers that are men that are gagga over housing as well.

#126 ritenote on 03.10.11 at 2:31 pm

“So how do we reconcile that Mars is reckless but worries about financial stability, while Venus is cautious but happy to leverage bigtime for a house?” This is misogynist, how? — Garth

—————————————————
Hi Garth,
Okay, I’ll bite…I think you answered your own question in your blog. In the market today, “emotion” is trumping “logic”. The difficulty I have with the blog entry is the notion that women are the ones succumbing to a lack of logic, and somehow dragging their partners down with them. Rather a stereotypical assumption, no? Arnie has no idea what to do…he describes himself as “scared shitless”, “screw it…just jump in”…He’s worried about what everybody else thinks about him and he can’t “convince” his wife…yet he’s the logical man, and she’s the estrogen-driven real-estate nut?
Though your post was not in itself misogynistic…the unfortunate sexist assumptions just set the tone, in fact, invited the clod above (and several others) to do his thing…hey, I really enjoy your financial advice, all the real estate talk and your humour…just don’t want to have to tear my eyes out every time I have to wade through the sexist mire to get my fix….

#127 Ottawa S on 03.10.11 at 2:34 pm

#28 Kate on 03.10.11 at 12:20 am

Thanks God, I have enough male-style brain which stops me from making a financial suicide.

Seriously peeps, the other day it’s bash the boomers, now it’s bash the wives. Have some respect for your mothers 😉

#128 SAD on 03.10.11 at 2:34 pm

To #87 Kevin on 03.10.11 at 10:39 am
For example, many commenters (and you yourself, Garth?) seem to be unaware that all banks offer the “Skip a Payment” option, not just RBC. Moreover, it’s definitely not new – it’s been around as long as mortgages themselves have existed. Yet that doesn’t stop your cadre of back-patters from piling on as though this were some new dasturdly scheme to dodge a rule that hasn’t even come into effect yet.

Some of us were not aware of this program. Been around as long as mortgages have been created?
I don’ t think so. Perhaps you could explain why it is necessary today and why banks would advertise it.
Please enlighten us with your deep wisdom and knowledge on this subject.

#129 Jan Etter on 03.10.11 at 2:35 pm

“#13 McSteve on 03.09.11 at 11:49 pm
Why does it surprise anyone that RBC is “bending” the rules? They are only taking their ques from the current government.

I think you meant “cues”? Or did you mean “queues” as in lineups?

I pay my share of taxes. The fraud you are suggesting cheats me and other honest Canadians.

#130 totalchaos on 03.10.11 at 2:37 pm

The skip-a-payment plan may not be new, but the marketing of it is. Not long ago, it would have been an embarasment to resort to skipping a payment. Now I don’t doubt there will be mortgage brokers explaining to clients why they can still afford a to buy due to only needing to make 11 payments per year. Throw in a cash-back plan and Bob’s your uncle.

#131 new_era on 03.10.11 at 2:39 pm

The banks are Brilliant. Another Transfer of Wealth Scheme. Thats because they are not liable for anything and have very low risk.

Notice the Banks Stocks has been going up up and up.

They control the government, they control the media and best of all they control Canada.

Its simple, they are in the business for one thing. To make money. MONEY MONEY MONEY. They don’t give a damn about the average canadian. When it all goes to hell they will walk away with a train full of loot and leave Canada to deal.

You watch once they made the dough and have low risk in realestate, they will gear up the media to about faces and start slamming the market and cause fear and probably indicate we are heading for a US style crisis.

At the same time they will buy up what is really valuable in Canada, the resources like oil and mineral.

Once Canada’s in the pooper, then they will start sweeping up real estate again, “JUST LIKE THE MOVIE TRADING PLACES”

#132 Nostradamus Le Mad Vlad on 03.10.11 at 2:40 pm

#98 Live Within Your Means — Good morning, LWYM.

The solar panels and electric thermal storage units are a very interesting way to reduce heating / cooling bills and costs. Have to do more research and investigation. Electricity is going up 6% this year, n.gas is also going up a bundle (replacing infrastructure).

Our wedding (32 yrs. and counting) was also simple. Opening and closing pics are of me washing the dishes!

#133 Abitibidoug on 03.10.11 at 2:46 pm

The lesson we should learn here is only marry a partner with values similar to yours if you want to avoid a lot of troubles, and if you don’t find such a partner then stay single. It’s comforting to know that, even though we are a small minority, there are like minded others out there who actually prefer to avoid financial suicide when given the choice.

#134 Lily Spring on 03.10.11 at 2:46 pm

#87 Kevin – true. I can attest to at least a 20 yr run with skipped pmt policy from consumer loans to mtgs in ghe industry, and no doubt it probably even further back.

Garth knows this too but I think he may also be presenting the fact that they keep recreating the marketing angle, ie new names for the procedure and in this case timed with the amortization rule changes. The Banks know that fresh blood is out there daily and the profit attributed to getting their attention at every single opportunity presented is a disgusting reality. Banks want long term relationships, and in Canada especially, once that fish has been hooked they tend to stay for life, or at least for the length of the mortgage.

To sum up. despite how disputable the real estate and banking industries have been leading up to this crash, here comes another totally unethical marketing push. I believe that THAT is Garth’s point in this regard.

#135 mattbg on 03.10.11 at 2:51 pm

To those saying that “Skip-A-Payment” isn’t available on 10- or 25-year mortgages, it’s not true. It’s not available for 10- or 25-year TERMS — those where your rate doesn’t change for 10 or 25 years.

It is available for 10- and 25-year amortizations.

It’s not a new feature, but I think Garth’s point is important — how COULD this feature be used or sold? If you are allowing 30-year mortgages to skip payments as a feature, it is lengthening the mortgage through the back door.

Double-Up payments are sold as a way to pay off your mortgage faster. Skip-A-Payment isn’t going to be sold as a way to make your mortgage last longer, but it’s essentially the same feature in reverse.

#136 Big D on 03.10.11 at 2:55 pm

I was hoping a few dozen more people would post that the “skip a payment” option has been around for a long time. Seriously people. I think it’s safe to assume that Garth’s point is that the new, tighter rules don’t necessarily have teeth since the workarounds are already there and can easily be brought to the foreground.

All of these creative ways to game the system only serve to pump up the bubble.

#137 Live Within Your Means on 03.10.11 at 2:59 pm

#101 vreaa on 03.10.11 at 12:06 pm
Animal Spirits, Primitive Superstitions –
“Address numbers could hold key to fortune”

CBC article/video excerpts,
stills and transcription

Gees our number is one solitary 8. Wrong city. LOL

#138 Devore on 03.10.11 at 3:12 pm

Why is everyone all over the banks? I know they make easy targets, being the evil capitalists and banksters. But at the end of the day, they cannot do ANYTHING without government’s permission and blessing. Skip-a-payment isn’t some back-end run around government or CMHC rules, there are explicit regulations about it. Bank and finance regulators put their seal of approval on all these schemes. Then they’ve transferred the risk from banks to CMHC/taxpayers.

Banks are hardly innocent, they are engines of profit for bond owners, shareholders and employees. They COULD be “principled” (if a corporation can be) but then they’d have their lunch eaten by other banks, who will happily take their credit hungry customers. If you want to reign in banks and lending, look to the ones who have the monopoly on regulating them.

#139 ash on 03.10.11 at 3:12 pm

to # 95 Throwstone 🙂
I actually don’t want to get married, I personally don’t see a need for it. I know how I feel and that is all that matters, I don’t need a piece of paper.

And actually no, I did not sell to “cover debts and effectively bring me back to par?”

Don’t get me wrong, I have a couple of thousand in debt, that I am clearing easily as I am not materialistic and I make good money. We sold because we want to be free and not in a rat race. Owning a home with a mortgage is like having handcuffs on. Mind you, it all depends on what your intentions are owning and how responsible you are with your money/debt.

I like being able to work half days, taking days off, doing what I need to do for me. LIVING!! 🙂

I plan to, as cheaply as possible, build myself a home that is self sustainable and slowly and steadily weed myself away from depending on the government for things, ie. food, water, electricity. That is my goal

#140 Lily Spring on 03.10.11 at 3:13 pm

Sorry, meant to say “despite how DISGUSTING” near the end there. Darn autofill.

#141 Macrath on 03.10.11 at 3:20 pm

#142 jess on 03.10.11 at 3:23 pm

Tchenguiz brothers arrested in Kaupthing investigationProperty tycoons Robert and Vincent Tchenguiz are among nine detained in connection with the collapse of the Icelandic bank

Share181 Simon Bowers The Guardian, Thursday 10 March 2011

The Mayfair investment tycoons Robert and Vincent Tchenguiz were among nine people arrested in dawn raids by the Serious Fraud Office on Wednesday as part of its probe into the collapse of the Icelandic bank Kaupthing. London-based former bosses of the bank were also targeted.

More than 130 police swooped on two business properties and eight homes, arresting seven men aged between 42 and 54. They were being interviewed in central London. Two further arrests were made in Reykjavik…(guardian uk)

From de to re
The good bank /bad bank

Northern Rock reports £232m loss
Nationalised bank insists preparations for a return to the private sector are on track, as unions step up calls for it to be remutualised

Bank of America plans to isolate nearly 50% of its 13.9 million most uncertain, worst-performing legacy loans into ‘bad bank’ to create a classic good bank, …
======
nameless speculators

Chinese officials are blaming speculators for soaring property prices and are vowing to build 36m affordable homes over the next five years.

#143 GregW, Oakville on 03.10.11 at 3:40 pm

Hi #42 Nostra, Thanks for two links with info about vaccines/flu shots. The info. in your links isn’t always told to use before we give consent, it’s suppose to be informed. Seems you must educate yourself about ‘thimerosal’- (49% mercury) at a minimum, read the package inserts! Make the informed choice for yourself based on all information you can find before you deciding/choose to consent. It’s ok to say no or yes if you choose, but make it an informed choice first.

Canada has band many mercury containing products (It’s a good start), but not all!
Silver & gold filling give of mercury vapor. Check lables for “Thimerosal” is(was?) in eye drops, and many vaccines/flu shots. (Why would you want any mercury or some other stuff injected into your blood steam in the first place?)

Lots of info on the web if you look.
Here what ‘Bill Gates’ was taped saying about ‘vaccines’ and population!
Think about it! (Isn’t YouTube & the web great!)

#144 Alex B on 03.10.11 at 3:44 pm

Hi!
I read this blog all the time and even tried to research this years before I found greaterfool. Even as little as over a year ago you could find virtually nobody speaking about there being a housing bubble, but its more common now, sorta! So we can’t possibly buy, everyone knows that, we have no desire to end up super house poor, or deeply indebted to the banks, so we’re renting right now, as we have for years. But here is some food for thought.

The house we are in went up for sale a month ago. We are basically powerless against the hordes of filthy, commision hunger estate agents traping constant 23yr olds through this 500k house. Its a constant invasion of our privacy, sometimes they are hear over an hour as we attempt to find something else to do (often right after work) I love having people wander through our private life, staring at our laundry on the floor, judging us, while these digusting Calgary estate agents rub their hands together gleefully at the thought of the fat commision.

Somedays I muse that people know well there is a bubble, and they might get swamped in payments but its better then dealing with landlords and barley 20 yr olds wandering through my house whenever and however they want.

#145 VICTORIA TEA PARTY on 03.10.11 at 3:48 pm

#51 Utopia, #52 Kuwait

BE CAREFUL WHAT WE “WISH” FOR. SCAREY OUT THERE

Hi Utopia. Abegaz’ piece is full of hope for the Middle Easterners. He hopes for improvements to womens’ rights, more individual wealth so citizens there can become consumers just like us.

Eventually this could come to pass.

But there are some painful realities that impede such prospective change. For wont of a better word it is “boundaries.”

SO MANY LINES IN THE SAND

Ah, yes, Let’s count them up: geological, geographic, political, the latter invented by the so-called western Imperialists. And, finally tribal boundaires, Sunni vs Shia and various subgroups between them.

Pour on a good dollop of tradition, a few thousand years worth, and we get the picture. So much to do, so little time to do it.

RENAISSANCE ARAB/PERSIAN STYLE

It’ll take the residents there time to sort through all of that if some “good” is to come to them. And they started with the self-immolation of a hungry and pissed-off food peddlar in Tunisia a couple of months ago.

Where this all goes is anybody’s guess. But it’s getting bloody out there, for sure.

This, then is what one could fairly describe as a rennaisance, or a reformation, or some other kind of re-awakening there. The Middle East has been held down by its own people and outsiders for eons, it seems. Once upon a time there was an Arab and Persian cultural structure that was the envy of the world.

At that time the Europeans were true pagans and fairly brutal ones at that. They had their own tribal conflicts that ended in 1995 with the eventual suppression of various parties in the Balkans (but that conflict seems to be boiling anew). These sort-throughs take time!

Bottom line for the Middle East is whatever the people there decide it will be thus. Westerners will have little say in this process, except for a lot of silent prayers and crossed fingers in favour of continuing of cheap oil/natty gas prices.

ENERGY PRICES TO GO UP

As far as future energy prices are concerned I’m more in agreement with #52 Kuwait.

This day oil which “cratered” a few bucks in London and New York this morning, on concerns for slower growth prospects in China, have now recovered and Brent is up a few pennies while WTI is down a few. Not a good sign for cheaper oil advocates.

Two hundred dollar oil is a distinct possibility if the “right” conditions come along. Those include double-digit inflation, regardless of causes; supply disruption in the Mid-East through the fall of the House of Saud; other supply and demand concerns.

On the flipside of that equation and something #51 Utopia is right about is the old canard that the cure for high oil prices is high oil prices. In other words demand destruction. Yes, but. We wait.

Another point Abegaz talks about is the collapse of the Soviet Union and Communism as being comparable to what’s shaking in the Levant.

I don’t believe that. The Middle Eastern “revolution” or renaissance, or whatever, is a creature we’ve never seen before. This is new. There IS something NEW under the sun afterall!

FINANCIAL FINAL FINAL

And, finally Utopia’s point that Greek and other Euro debt is the real killer out there. Definitely!

These debts can never be repaid, so some kind of default is the end game there.

That will destroy the Euro and throw into doubt the so-called credibility of all fiat currencies.

This development would also destroy the US dollar as the world’s reserve currency, create huge inflation, destroying millions of hopes and dreams EVERYWHERE. Gold and oil prices would blow clear into outer space.

#146 Dodged-A-Bullit-in Alberta on 03.10.11 at 3:59 pm

Greetings: #125-[Ottawa S]

“Seriously peeps, the other day it’s bash the boomers, now it’s bash the wives.”

I think Garth likes this to be an equal opportunity blog, so here goes: Why does a man have a hole in his penis??

So his brain can get air.

#147 DaBull on 03.10.11 at 4:03 pm

First: The skip a payment is not new, it’s been around for 10+ years.

Third: There are restriction. From BMO skip a payment option:

*Take a Break and Family Care options are not available with the Low-Rate Fixed Closed Mortgage. Take a Break and Family Care options apply to principal and interest payments on conventional and GE/CMHC-insured mortgages for owner-occupied single-family dwellings only, including condominiums and duplexes. For mortgages insured against default, customers must have prepaid principal at least equal to the amount of payment(s) to be skipped. Any mortgage insurance premiums and tax payments cannot be skipped. For MICC mortgages, only the Take a Break option is available. The Family Care option is not available to self-employed individuals. Customers currently receiving Accident & Illness Mortgage Protection (provided by Sun Life Assurance Company of Canada) are not eligible for skipped payments. Interest for the skipped payment is added to the principal. The balance of your current mortgage plus the skipped payment must not exceed the original amount of your mortgage with us. For conventional uninsured mortgages, the balance of your current mortgage plus the skipped payment must not exceed 75% of the lesser of your home ’s present value or the original amount of your mortgage with us.

What you can do: Skip payments and interest and principal, but it will be added to your mortgage amount if you meet the restrictions.

What you can’t do: Get a CMHC (hence Glenworth) insured mortgage for more than a 30 years.

#148 GregW, Oakville on 03.10.11 at 4:05 pm

Does anyone know when YYZ started all night flights?
I recall at one time all night flights were extremely rare at Person airport if at all. (I grow up in Mississauga)

How are the people closer to the airport like Brampton, Mississauga, Etobicoke finding there sleep lately?
I’ve woken a few times lately and heard jets engines in the distance.
Some areas of Brampton have city signs up about noise from low flying planes and danger to your hearing.
I can’t imagine the noise when trying to sleep at night.
Is anyone doing sleep studies/effects on the populations health since the night flying started.
(Maybe more sleeping pills and ear plugs are being sold locally?)

And has anyone been track the effect night fights had on home prices under the areas lining up to the runways since night flights started?

#149 shanks on 03.10.11 at 4:28 pm

I think the summary of what Garth is trying to convey is that everything is being done to facilitate indebting people via homes and fueling imaginary gains via home price increases that are not being matched with income increases. The skip a payment option is not really in the best interest of the homeowner, it only leads to a longer morgage and a larger amount of interest paid. If it keeps someone in their house great, but to go into a deal thinking “I am going to use this cash back morgage, move my money into an RRSP, take the tax refund and put it to the down payment, withdraw the RRSP for the downpayment, take the longest amot period available, and then skip a payment every year”, you may be overextending yourself, given the volitile nature of life. Maybe not, it would really depend on an individuals situation. However, by doing all this, you would really only be making the house seller, agent, and bank richer.

#150 VICTORIA TEA PARTY on 03.10.11 at 4:28 pm

Skipping mortgage payments, especially since it’s legal, is really bad form.

Canada’s chartered banks have bags of credibility world-wide, so why be so corporately irresponsible by allowing mortgage holders to shuck one payment each year?

In this STILL low interest rate environment that means it’s OK for consumers to continue their delinquent and terrible spending habits, visiting massive debts upon their heirs and successors.

I hope that with higher interest rates and the accompanying economic downturn that fewer people will be able to buy homes, mainly those who really can’t afford them.

Shady bank lending practises, such as this, will have huge and bad implications especially for those who really can’t afford to buy in the first place. Ref: US housing market.

Sovereign credibility through a nation’s banking system is a very rare commodity these days. F should be on the case immediately.

#151 gomyone on 03.10.11 at 4:38 pm

“PS: Foreclosure rates still rising in Calgary. It isn’t Phoenix yet, but you just have to wait. ”

Do you have a link for the above? Thanks
===================================
The stats are from the Canadian bankers association at http://www.cba.ca

Go to “media room” then “statistics” and then look for “mortgages in arrears”
Alberta’s most recent info is on page 14.
It gets updated monthly and the latest one is for Dec.2010

#152 Live Within Your Means on 03.10.11 at 4:44 pm

#125 Ottawa S on 03.10.11 at 2:34 pm

Well said. For years I was the sole bread winner.

#153 Roial1 on 03.10.11 at 4:51 pm

146 GregW, Oakville on 03.10.11 at 4:05 pm

To answer your question, I grew up at the end of runways (Father was Air Force) and learned to sleep right through the “passovers”
I actually lived right under the flyway to Pearson when it was Malton Air Port. (Jets are MUCH quieter than recips. I know.) So, you can get used to anything.
It might not be so for all but hey, You pays your money, you takes youir chances.

#154 mattbg on 03.10.11 at 4:53 pm

#146, there are signs up in some Mississauga neighbourhoods about the neighbourhood being in a flight path with warnings about noise, too… around the Heartland Town Centre area.

The same area is built on top of an ex-landfill, too, so it’s a tough one in more ways than one 🙂

#155 Rick in Japan on 03.10.11 at 5:09 pm

#156 super dave on 03.10.11 at 5:20 pm

This summer will be the tipping point.

#157 Tony on 03.10.11 at 5:20 pm

As for the readers and posters here, suck it up. We all have voices and something to add. — Garth
_____

I told you why in our email exchange. Then you made a threat. So buzz off. — Garth

#158 The InvestorsFriend on 03.10.11 at 5:24 pm

Skip a payment and especially extended skip a payment are also part of the way banks hide delinquencies.

It’s called Extend and Pretend.

Buffett has said, you can’t default on a promise to pay nothing.

So I promise to pay my mortgage monthly. Then I lose my job but arrange an extended skip a payment or cash in on double payments I made over the years and they let me skip an equal number of payments. (Equal to how many double up payments I made in the past, although there may be some limit to how many)

Now I promise to pay nothing for the next 6 months. And I don’t

Voila! a delinquent loan is kept off the delinquent list…

#159 Still waiting on 03.10.11 at 5:35 pm

Some food for thought when you’re deciding whether to keep your money stocked away in a bank account, those highly endorsed preferred shares or to put it into real estate or some other tangible asset:

“A fractional banking system is called as such because only a fraction of the public will be able to get their money out, the rest nothing.”

#160 jess on 03.10.11 at 5:47 pm

“blue chip thinkers”

Mar 09, 2011 12:25 PM
Twelve Indicted in Arizona in Multi-Million-Dollar Mortgage Fraud Schemes
Twelve Arizona residents were charged in two indictments for their involvement in multi-million-dollar mortgage fraud conspiracies. Between the two cases, the defendants fraudulently obtained more …

Twelve Indicted in Arizona in Multi-Million-Dollar Mortgage Fraud Schemes

“It appears that some smaller banks advised clients not to participate in the voluntary disclosure scheme,” he told swissinfo.ch. “They may have thought that they could reap the benefits of a windfall, but anyone who thought this was naïve.”

In the meantime, other Swiss banks have exited the US markets because of tough changes to disclosure rules. Foreign banks are now obliged to report on clients who buy or hold US securities and could soon be forced to divulge the details of those that inherit such stocks and bonds.

#161 KingBubbles on 03.10.11 at 5:56 pm

Check out this MLS listing in Winterpeg where the houses have become way overpriced in the past couple of years. Please please please buy me before Mar 18th …

There is blood in the water and fools rush in …

#162 NFN_NLN on 03.10.11 at 6:15 pm

> Once in a while some of us get paycheques, buy
> properties

That’s the problem. A mortgage is a 30+ year commitment. If you’re only getting paycheques “once in a while” and relying on someone else to fill in the gaps you better live within your means.

If you want to pull your weight hire a foreign housekeeper/nanny and get back to work. The low level wage the foreign housekeeper makes represents the true value of your worth at home.

#163 pjwlk on 03.10.11 at 6:34 pm

Household Deleveraging Continues As Net Worth Jumps On Stock Market Gains; UBS Sees Stagflation Coming As Real Estate Values Drop To Q4 2003 Levels.

#164 Kate on 03.10.11 at 6:39 pm

#104 Where have you been all my life?
I am here. And where are you?

#165 Atb on 03.10.11 at 7:06 pm

Garth-You are not possibly suggesting that RBC or any other Canadian bank may be playing with the new rules? We know quite well that our high streetbanks would never do something like that, they are venerable ethical institutions, pillars of our economy. That is why we ensure that they all the risk they judiciously underwrite is passed back to us, the taxpayer. So that when the sh-t hits the fan, they will be seen as rock solid institutions, nothing like the US banks, God forbid. The main difference between Canada and the US is that in Canada we sociliza the losses, BEFORE they hit the banks, in the US they are socialized after the fact, in both of course gains are fully private and go to a priliged elite. Asa business, I think Canadian socialism is a better deal than American capitalism. In both, the taxpayer gets the raw end of the deal.

#166 HouseBuster on 03.10.11 at 7:07 pm

8 days until the implosion of Canadian real estate intensifies!

#167 jess on 03.10.11 at 7:11 pm

Speech by Adair Turner, Chairman, FSA
14th Chintaman Deshmukh Memorial Lecture, Reserve Bank of India, Mumbai
Speaking at the Reserve Bank of India in Mumbai, FSA chairman Lord Turner said that both the Asian crisis of 1997 and the recent crisis had made clear that expansion in the scale and sophistication of financial activity is not always beneficial to the global economy
========================

What about the OUTFLOWS Mr. Turner?
•Policy instruments such as taxes which place constraints on short-term speculative inflows may be particularly relevant for some emerging economies.

Black money: How tax offenders hide their identity
And that’s how for many years now, India has been losing crores of rupees of tax money – the money that should have been fuelling India’s economy, …India Today
http://indiatoday.intoday.in/site/Story/131970/world/black-money-tax-havens-exposed.html

predatory subprime INDIA styled

millions of people in BONDAGE which is illegal in INDIA
http://www.freetheslaves.net/

Bonded labour
None of them had heard of the Indian law that made bonded labor illegal more than 30 years ago.

According to estimates by policymakers, activists and scholars, the number of modern day slaves ranges from about 10 million to 30 million.

#168 eddy on 03.10.11 at 7:15 pm

#169 HouseBuster on 03.10.11 at 7:22 pm

RE:#143 VICTORIA TEA PARTY

What is in the tea you are drinking? You sound like a friggin’ lunatic.

#170 Live Within Your Means on 03.10.11 at 7:30 pm

What did I do!! I sent my husband the link about the cansolar panel. Now my husband is interested in building his own. He understands the technology, & thinks he could do it for far less. Time will tell. But, I do know that when he gets an idea in his head, he doesn’t relent. He just tried to explain it to me while I’m making dinner- duh.

#171 Mr. Plow on 03.10.11 at 7:35 pm

I guess if everyone doesn’t want the banks to offer products that can make them more money we should just go to a centralized, government run bank.

That would be better right?

#172 Moneta on 03.10.11 at 7:38 pm

Is anyone doing sleep studies/effects on the populations health since the night flying started.
—
No. Harper says private industry should pay.

#173 Finanzkrise on 03.10.11 at 8:19 pm

I recently moved me and the wife from Vancouver to Ottawa as I promised her that we’d actually have a hope in hell of owning a house in the latter someday. She’s already wondering when ‘someday’ is… Well, by moving from bubble ground zero, I would have already saved about 50% were I to purchase a home now; but let’s see if I can save another 20-30% by waiting a couple years and still preserve the marriage!!

#174 Throwstone on 03.10.11 at 8:28 pm

That’s excellent. …I too am looking down the same path….

Look into purchasing your land through Dignam and Dignam…Crown land auctions. It will be rural but you will be able to be self sustainable.

#175 Daisy Mae on 03.10.11 at 8:53 pm

“To those saying that “Skip-A-Payment” isn’t available on 10- or 25-year mortgages, it’s not true. It’s not available for 10- or 25-year TERMS — those where your rate doesn’t change for 10 or 25 years. It is available for 10- and 25-year amortizations.”

After all these years, I never realized 25-year terms were ever available. I thought the max was 10 years. Silly me! LOL

#176 mel on 03.10.11 at 8:55 pm

Okay big Guys! Are you interested in housing conversations, or are you here to point fingers who is the bigger idiot?

Let me tell you big macho guys, I am a woman, and I know what a hell I am talking about. I have come across many crazy men, and many crazy women.

When it comes to money, I do not need anybody to put me on a budget. I know what I have, and what I can spend. Let me tell you guys, as a woman speaking, I do not follow crowd. I make financial decesions not on hormonal emotions, buy on facts.

I have advice for you men, if you wish to make your own decisions then ‘ stay single’. It does not make sense to me for you to complain about her, and then share bed with her. Get it!

#177 Daisy Mae on 03.10.11 at 9:11 pm

Don’t ever expect to get your damage deposit back — it is not going to happen.

#178 Nostradamus Le Mad Vlad on 03.10.11 at 9:19 pm

–
#141 GregW, Oakville — Hi Greg.

Now a proven link between H1N1 shots can cause narcolepsy, when the original H1N1 started making its rounds, a lot of people skipped having the shots, so there was quite a lot left over.

Throw it out? Not a chance! Don’t waste a good crisis! The US health officials simply added the leftovers to this year’s flu shots, and never told anyone.

Things, in more ways than one, are sure looking ugly.

#144 Dodged-A-Bullit-in Alberta — “So his brain can get air. ”

That explains a lot! I hardly learned anything at school, but I often wondered where smart men got their intelligence from. Now I know!

#169 Live Within Your Means — Way to go! Now you’ve got him occupied, he’ll stay out of your way more ’til he finishes it!
*
Saudi Arabia “When a government opens fire on their own people, it proclaims its failure to the world. There is no going back after you cross this line.” wrh.com.

1:30 clip Global protests and timing.

Playboys Crumbling “The era of the greed-monsters is starting to crumble, and it started in Iceland, where a furious populace threw out the government which attempted to bind them into odious debt.” wrh.com.

EU Bond Rout Things don’t seem to be rosy across the pond.

Utah approves sound money. Own Currency More than anything else, Utah and Tennessee are saying they don’t want the US Fed anymore. Good for them. Arizona Starting one’s own monetary system is the main step in moving away from DC.

14:12 clip “I brought these with me (SHOWS HANDCUFFS). I’d like anybody who works on Wall Street, anybody who works for one of the banks, just take a look at this. This is what is coming for you. Because the people aren’t going to take it anymore. The people are going to demand justice, they’re going to demand that your ass is in jail.” — Michael Moore.

Dictatorship One See where dubya and Obama have taken the once-proud US, and Dictatorship Two. Dictatorship Three The US, Canada and Ireland all have dictatorships — the IMF and EU, run by the Rothschilds and a few ultra wealthy friends. Dictatorship Four Man, they’re getting desperate!

Wisconsin is in the process of losing it altogether, and there was a mag. 6.2 near Bali today, ‘tho it was 510 miles below the surface, so no tsunami.

Science Fraud Germany dumps GW. Sensible.

4:16 clip BP kills humans (TPTB).

Pensions “Why are the pensions running out of money? Because the global bankers got greedy, and bought into the fraudulent mortgage-backed securities offered by Wall Street.” wrh.com.

Crotia Add to the ME and African hijinks.

Amtrak “The US Government has declared war against YOU! TSA are the front lines!” wrh.com.

#179 BrianT on 03.10.11 at 9:26 pm

#170Plow-Hate to wake you up but what exactly do you think we have right now? Five flavours of the same popsicle-if this country lasts another 50 yrs it will be the identical five flavours to choose from-real cutthroat free enterprise.

#180 Pr on 03.10.11 at 9:26 pm

Sadly true! I pinch my self after talking with very smart people about those facts. The problem is they are to smart, so forget it, they know better. So *us* have to go on with our life until the inevitable happen. One skill that they dont teach you in school, witch is to be… street smart. The BANKERS are laughing at you, they are burning you people, wake up! Spread the message, one person at a time.

#181 Alrighty then #175 Mel on 03.10.11 at 10:06 pm

“Let me tell you big macho guys, I am a woman, and I know what a hell I am talking about. I have come across many crazy men, and many crazy women.”

I am speechless, sorry.

#182 Jon B on 03.10.11 at 10:44 pm

#183 mel on 03.10.11 at 11:12 pm

What are you sorry about exactly? Since when a man like you became speechless?

#184 comfortably numb on 03.10.11 at 11:33 pm

#2 Montrealer “Are we about to see interest only mortgages?”

In 2008 I bought a flipper house with an interest only mortgage but under a line of credit. I had to put 25% down and the interest rate was CIBC prime.
For my short term purposes it worked great, but certainly not a long term position to take.

#185 Adventures in Sea-Tac with Moneta on 03.11.11 at 2:55 am

For the battle of the sexes crowd:

The above is a summary of a 20/20 episode from a few years back. I was lucky to catch it. Norah Vincent
disguised herself as a man to study what makes us tic.
Her book is titled “Self made man” but I have not read it.

One thing she noted was the extreme pressure some men face in providing for their family. They simply dont see
any other choice, and no matter how hard they work,
their families never seem satisfied.

#186 jen on 03.11.11 at 10:01 am

You’ll be pleased to know that BMO is offering consumers that same deal:

#187 GregW, Oakville on 03.11.11 at 12:28 pm

Thanks all, who gave some input to my question.

#188 Rob on 03.11.11 at 1:46 pm

#189 Kevin in Winnipeg on 03.11.11 at 6:21 pm

Yesterday, stock markets tank on debt news from Spain. Today, largest earthquake in Japan’s history pretty much shuts down the 4 largest economy in the world and the markets in Canada and the US go up.

The world just doesn’t make any sense at all sometimes.

#190 John Reid on 03.11.11 at 6:40 pm

Robert Hare, PhD and Paul Babiak, PhD co-authored a book entitled “Snakes in Suits” It is a study of psychopaths in business. This is what we are dealing with. Psychopaths do not care about your situations. Here is what Amazon says in short form “…Psychopaths are described as incapable of empathy, guilt, or loyalty to anyone but themselves; still, spotting a psychopath isn’t easy.”

Psychopaths are not able to tell the difference between right and wrong. They only know of the urge to satisfy their personal needs. I see more and more of them in top business and political positions. I was fortunate to have studied under Robert Hare, PhD. He is considered to be the world’s leading authority on Psychopaths.

A Few Signs: lack of normal emotion, massive manipulation through body language, facial expressions, and tone of voice. Also, they are continually telling falsehoods.

#191 John Reid on 03.11.11 at 7:37 pm

You will find similarities between your concerns for the vanishing middle class, the movie “Soylent Green (Soylent Green is People), and psychopaths/cannibals like Hannibal Lecter who could have said “Yes, Soylent Green is very tasty people”.

The situation of the middle class is not a concern of the successful psychopath.

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The views expressed are those of the author, Garth Turner, a Raymond James Financial Advisor, and not necessarily those of Raymond James Ltd. It is provided as a general source of information only and should not be considered to be personal investment advice or a solicitation to buy or sell securities. Investors considering any investment should consult with their Investment Advisor to ensure that it is suitable for the investor’s circumstances and risk tolerance before making any investment decision. The information contained in this blog was obtained from sources believed to be reliable, however, we cannot represent that it is accurate or complete. Raymond James Ltd. is a member of the Canadian Investor Protection Fund.

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