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	<title>Comments for The Toronto Real Estate Blog</title>
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	<description>Toronto Real Estate Blog - Toronto Real Estate News and Commentary about the Toronto real estate market</description>
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		<title>Comment on Toronto Home Market Is Great, Commercial Market Not So Much by health insurance</title>
		<link>http://thetorontorealestateblog.com/toronto-home-market-is-great-commercial-market-not-so-much/comment-page-1/#comment-340</link>
		<dc:creator>health insurance</dc:creator>
		<pubDate>Sat, 06 Mar 2010 19:23:29 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=316#comment-340</guid>
		<description>Regardless of the reasons, I think there are three items which do not bode well for commercial real estate prices in the next few years.  First and perhaps most overlooked, investment or income producing properties, during the boom years, where purchased more for appreciation, rather than &quot;income&quot;. In other words, many deals were justified by investors who were willing to forego a rate of return (income), for future price appreciation. But as its name suggests, this is not what &quot;income producing property&quot; is all about. If it doesn&#039;t give you an income stream in good times, it sure won&#039;t be able to in bad ones. Only a &quot;flipper&quot; can make money on appreciation, and the trick is to know when to get in and when to get out.  Second, the credit crisis has reduced the chances of obtaining loans, and also the leverage previously afforded owners/purchasers. Less money means less deals, and more cash out of pocket. This can only lead to lower prices.  Third, we are for now in a &quot;new&quot; economy (although Americans often prove to be driven by fads and can be short sighted), where we will consume less, which should mean less need for commercial space.  If there is one truth that history makes clear over and over again, it&#039;s that most sectors of the economy will move in conjunction with one another, not in spite of one another. No doubt prices are tied to supply and demand issues, but too much of a swing invites change. So when prices double and triple in one sector while the rest of the economy isn&#039;t going in that direction, chances are some force will snap that imbalance back into its proper place in the overall economy. And that change can be from social, economic, and/or political means.</description>
		<content:encoded><![CDATA[<p>Regardless of the reasons, I think there are three items which do not bode well for commercial real estate prices in the next few years.  First and perhaps most overlooked, investment or income producing properties, during the boom years, where purchased more for appreciation, rather than &#8220;income&#8221;. In other words, many deals were justified by investors who were willing to forego a rate of return (income), for future price appreciation. But as its name suggests, this is not what &#8220;income producing property&#8221; is all about. If it doesn&#8217;t give you an income stream in good times, it sure won&#8217;t be able to in bad ones. Only a &#8220;flipper&#8221; can make money on appreciation, and the trick is to know when to get in and when to get out.  Second, the credit crisis has reduced the chances of obtaining loans, and also the leverage previously afforded owners/purchasers. Less money means less deals, and more cash out of pocket. This can only lead to lower prices.  Third, we are for now in a &#8220;new&#8221; economy (although Americans often prove to be driven by fads and can be short sighted), where we will consume less, which should mean less need for commercial space.  If there is one truth that history makes clear over and over again, it&#8217;s that most sectors of the economy will move in conjunction with one another, not in spite of one another. No doubt prices are tied to supply and demand issues, but too much of a swing invites change. So when prices double and triple in one sector while the rest of the economy isn&#8217;t going in that direction, chances are some force will snap that imbalance back into its proper place in the overall economy. And that change can be from social, economic, and/or political means.</p>
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		<title>Comment on New Mortgage Policies Coming into Place by New Mortgage Policies Coming into Place Lawyer just to Me</title>
		<link>http://thetorontorealestateblog.com/new-mortgage-policies-coming-into-place/comment-page-1/#comment-334</link>
		<dc:creator>New Mortgage Policies Coming into Place Lawyer just to Me</dc:creator>
		<pubDate>Fri, 05 Mar 2010 20:30:48 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=409#comment-334</guid>
		<description>[...] New Mortgage Policies Coming into Place         tags: are-fixed, been-quite, expansion, from-one, from-the-traditional, low-interest, [...]</description>
		<content:encoded><![CDATA[<p>[...] New Mortgage Policies Coming into Place         tags: are-fixed, been-quite, expansion, from-one, from-the-traditional, low-interest, [...]</p>
]]></content:encoded>
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		<title>Comment on New Mortgage Policies Coming into Place by New Mortgage Policies Coming into Place Litigation just to Me</title>
		<link>http://thetorontorealestateblog.com/new-mortgage-policies-coming-into-place/comment-page-1/#comment-332</link>
		<dc:creator>New Mortgage Policies Coming into Place Litigation just to Me</dc:creator>
		<pubDate>Fri, 05 Mar 2010 07:41:10 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=409#comment-332</guid>
		<description>[...] more: New Mortgage Policies Coming into Place         tags: are-going, carteret, choosing-the-one, first-few, good-deal, interest-rate, [...]</description>
		<content:encoded><![CDATA[<p>[...] more: New Mortgage Policies Coming into Place         tags: are-going, carteret, choosing-the-one, first-few, good-deal, interest-rate, [...]</p>
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		<title>Comment on New Mortgage Policies Coming into Place by real estate appraisal training pa &#124; Melissa Primm Real Estate &#124; Pennsylvania Real Estate</title>
		<link>http://thetorontorealestateblog.com/new-mortgage-policies-coming-into-place/comment-page-1/#comment-330</link>
		<dc:creator>real estate appraisal training pa &#124; Melissa Primm Real Estate &#124; Pennsylvania Real Estate</dc:creator>
		<pubDate>Fri, 05 Mar 2010 05:29:33 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=409#comment-330</guid>
		<description>[...] New Mortgage Policies Coming into Place [...]</description>
		<content:encoded><![CDATA[<p>[...] New Mortgage Policies Coming into Place [...]</p>
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		<title>Comment on New Mortgage Policies Coming into Place by News, Info and Tips &#187; New Mortgage Policies Coming into Place</title>
		<link>http://thetorontorealestateblog.com/new-mortgage-policies-coming-into-place/comment-page-1/#comment-329</link>
		<dc:creator>News, Info and Tips &#187; New Mortgage Policies Coming into Place</dc:creator>
		<pubDate>Fri, 05 Mar 2010 05:22:37 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=409#comment-329</guid>
		<description>[...] Here is the original post: New Mortgage Policies Coming into Place [...]</description>
		<content:encoded><![CDATA[<p>[...] Here is the original post: New Mortgage Policies Coming into Place [...]</p>
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		<title>Comment on New Mortgage Policies Coming into Place by New Mortgage Policies Coming into Place Leading just to Me</title>
		<link>http://thetorontorealestateblog.com/new-mortgage-policies-coming-into-place/comment-page-1/#comment-328</link>
		<dc:creator>New Mortgage Policies Coming into Place Leading just to Me</dc:creator>
		<pubDate>Fri, 05 Mar 2010 04:54:31 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=409#comment-328</guid>
		<description>[...] the original post: New Mortgage Policies Coming into Place         tags: are-going, interest-rates, people-taking &#124;   Save Money by Refinancing a Mortgage [...]</description>
		<content:encoded><![CDATA[<p>[...] the original post: New Mortgage Policies Coming into Place         tags: are-going, interest-rates, people-taking |   Save Money by Refinancing a Mortgage [...]</p>
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		<title>Comment on New Mortgage Policies Coming into Place by New Mortgage Policies Coming into Place Mortgage just to Me</title>
		<link>http://thetorontorealestateblog.com/new-mortgage-policies-coming-into-place/comment-page-1/#comment-316</link>
		<dc:creator>New Mortgage Policies Coming into Place Mortgage just to Me</dc:creator>
		<pubDate>Fri, 05 Mar 2010 04:12:22 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=409#comment-316</guid>
		<description>[...] rest is here: New Mortgage Policies Coming into Place         tags: estate, estate-news, real-estate, toronto, toronto-real &#124;   Everything about [...]</description>
		<content:encoded><![CDATA[<p>[...] rest is here: New Mortgage Policies Coming into Place         tags: estate, estate-news, real-estate, toronto, toronto-real |   Everything about [...]</p>
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		<title>Comment on New Mortgage Policies Coming into Place by New Mortgage Policies Coming into Place &#124; Real Estate Finance Wisdom</title>
		<link>http://thetorontorealestateblog.com/new-mortgage-policies-coming-into-place/comment-page-1/#comment-273</link>
		<dc:creator>New Mortgage Policies Coming into Place &#124; Real Estate Finance Wisdom</dc:creator>
		<pubDate>Fri, 05 Mar 2010 02:23:30 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=409#comment-273</guid>
		<description>[...] Excerpt from: New Mortgage Policies Coming into Place [...]</description>
		<content:encoded><![CDATA[<p>[...] Excerpt from: New Mortgage Policies Coming into Place [...]</p>
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		<title>Comment on Canada’s Largest Bank Drops Interest Rate on Line Of Credit by payday loans</title>
		<link>http://thetorontorealestateblog.com/canada%e2%80%99s-largest-bank-drops-interest-rate-on-line-of-credit/comment-page-1/#comment-258</link>
		<dc:creator>payday loans</dc:creator>
		<pubDate>Mon, 22 Feb 2010 22:36:22 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=227#comment-258</guid>
		<description>I want to thank the blogger very much not only for this post but also for his all previous efforts. I found thetorontorealestateblog.com to be very interesting. I will be coming back to thetorontorealestateblog.com for more information.</description>
		<content:encoded><![CDATA[<p>I want to thank the blogger very much not only for this post but also for his all previous efforts. I found thetorontorealestateblog.com to be very interesting. I will be coming back to thetorontorealestateblog.com for more information.</p>
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		<title>Comment on Bank of Canada Says Do Not Worry About Housing Bubble by and loans</title>
		<link>http://thetorontorealestateblog.com/bank-of-canada-says-do-not-worry-about-housing-bubble/comment-page-1/#comment-256</link>
		<dc:creator>and loans</dc:creator>
		<pubDate>Mon, 22 Feb 2010 06:52:34 +0000</pubDate>
		<guid isPermaLink="false">http://thetorontorealestateblog.com/?p=384#comment-256</guid>
		<description>Saw your site bookmarked on Reddit.I love your site and marketing strategy.Your site is very useful for me .I bookmarked your site!
My Home [b][url=http://www.andloans.com/]and loans[/url][/b]</description>
		<content:encoded><![CDATA[<p>Saw your site bookmarked on Reddit.I love your site and marketing strategy.Your site is very useful for me .I bookmarked your site!<br />
My Home [b][url=http://www.andloans.com/]and loans[/url][/b]</p>
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