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RF MIT SLOAN KODAK Story - A Commentary https://t.co/YY2yamvsCX via @YouTube

[Dr. G Shermon @GRShermon]

HOUSING CRISIS
The article celebrates the so-called cooling of Canada’s housing market, casting it as a necessary and welcome correction. While her optimism may comfort some, it ignores or oversimplifies the structural distortions that have been baked into our real estate market—distortions that unfairly penalize new homeowners and investors while absolving municipal governments of their policy failures.

1. The Affordable Housing Burden Shifted to New Buyers

One of the most troubling features of recent housing policy in Ontario—particularly in cities like Toronto—has been the mandatory inclusion of “affordable housing units” in private condo developments. This requirement has not been absorbed by municipalities or offset by subsidies. Instead, developers have passed these costs directly to market-rate condo buyers, adding as much as 10% or more to per square foot prices.

In effect, these buyers are subsidizing social housing—a responsibility that rightly belongs to the state, not individuals making one of the most significant financial commitments of their lives. In any market correction, these buyers stand to lose disproportionately. Their purchase price already factored in “social cost premiums” which cannot be recouped in a downturn. They are, in practice, paying to fulfill a public housing mandate, without receiving any public benefit or compensation.

2. The Great Injustice: Privatizing Public Responsibility

Municipalities like Toronto have long suffered from planning paralysis and ideological inconsistency. Rather than investing in purpose-built rental units or public housing, they’ve adopted the politically convenient route of transferring the obligation to the private sector. This strategy is not only economically flawed but ethically dubious.

Why should a narrow group of new homeowners—often young professionals or first-time buyers—be burdened with solving the housing crisis? This selective taxation by stealth only fuels further inequality. The government’s job is to ensure equitable housing through sound fiscal policy, infrastructure investments, and zoning reform, not to offload its duties onto private buyers through hidden levies.

3. Market Correction? Or Investor Disenchantment?

The article suggests that the housing market slowdown is healthy. But this interpretation fails to account for what’s actually cooling the market: investor retreat. Condo investors—particularly in the luxury segment—are re-evaluating the returns on units that carry:

High upfront costs (due to mandatory affordable housing levies, high land transfer taxes, and development charges),

Ongoing expenses (condo maintenance fees, property tax, and insurance),

Compressed rental yields (because of regulatory uncertainty and artificial rental ceilings).

This is not a healthy correction; it’s a warning signal. When long-term investors—who provide rental inventory and fuel new developments—begin exiting the market due to poor returns, the entire housing supply chain is endangered. Developers will pause projects. Jobs in construction, materials, and design will be lost. Rental shortages will intensify.

4. Rental Market Disruption & Affordability Myths

Policies aimed at “affordability” have produced the opposite effect in many luxury and mid-market rentals. Investors in prime downtown condos—often those enabling mobile young professionals, international workers, or dual-income tenants—have seen returns collapse. These are not speculative flippers; they’re essential contributors to Canada’s modern housing mix.

But policies designed with blanket assumptions—like rent control or inclusionary zoning—are dampening enthusiasm across the board, regardless of building age, price segment, or tenant demographics. This sort of one-size-fits-all governance punishes professionalism and rewards populism.

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The e-commerce platforms are converging on the same plan: a race to the ultracheap brandless bottom. Is Amazon Turning Into Temu? - New York Magazine https://t.co/hBMdYZtFTQ

[MIT Sloan Management Review @mitsmr]

When should a leader be involved in a decision, and when can team members move autonomously? Identifying decisions as low risk or high risk and low urgency or high urgency helps clarify expectations.

Learn more: https://t.co/zdyzNHDu7X @nancyduarte

[Psychometric Assessments @Psychometrics28]

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[Dr. G Shermon @GRShermon]

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[Behavioral Assessments @AssessBehaviors]

https://t.co/3twWwPMtoW

[HR Disruption @HRDisruption]

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[Behavioral Assessments @AssessBehaviors]

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[Behavioral Assessments @AssessBehaviors]

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[Dr. G Shermon @GRShermon]

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[Behavioral Assessments @AssessBehaviors]

Effective communications is the "life's blood" of an organization. Organizations that are highly successful have strong communications. One of the first signs that an organization is struggling is that communications breaking down.
https://t.co/zFt1RKa2dp

[Dr. G Shermon @GRShermon]

Acting as a source of technical or functional expertise to peers and cross-functional colleagues is a valuable role that not only contributes to your team's success but also strengthens collaboration across different functions.

https://t.co/5FUpcoUqNt

[Behavioral Assessments @AssessBehaviors]

Stress is a dynamic condition in which an individual is confronted with an opportunity, constraint or demand related to what he or she desires and for which the outcome is perceived to be both uncertain and important. https://t.co/tWZNZjvdqQ

[RiverForest Connections @RiverForestJobs]

An attitude is an implicit, response than an overt act, and it may be defined as an implicit response toward or away from an individual value or social value. https://t.co/XTMAGYF1v9

[Dr. G Shermon @GRShermon]

Going above and beyond at work means doing more than what your job expects you to do. It shows that you are proactive, dedicated, and willing to take on challenges. It can also help you stand out from your peers, impress your boss, and advance your career.
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[SS SMART Store @ShermonsStore]

Dear Al.

Seasons Greetings. Wishing you and your family a wonderful Christmas and an awesome New Year.

Best Wishes and Regards - Ganesh Shermon

[Psychometric Assessments @Psychometrics28]

Understanding oneself is a lifelong journey that involves self-reflection, introspection, and a willingness to explore your thoughts, feelings, and behaviors.

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[Dr. G Shermon @GRShermon]

Breaking bad habits behaviors are the actions and strategies that one performs to stop or reduce a recurring action that is undesirable, harmful, or unproductive.

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[Dr. G Shermon @GRShermon]

BODY LANGUAGE
is the nonverbal expression of your emotions, attitudes, and intentions through your posture, gestures, facial expressions, eye contact, and movements. According to some studies, body language makes up 55% of your total communication

https://t.co/LymEvuClgj