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What impact did the COVID-19 have on Toronto’s real estate market?




The COVID-19’s impact cannot be played down at any cost. Apart from affecting the global Economy (including that of the United States, People’s Republic of China, the European Union, and others), it has affected Canada in multiple aspects, real estate in particular.

The impact of the COVID-19 on the Canadian Economy and Canadian cities’ housing markets has been monumental. The spring season was a bit cold compared to past years, but record sales were observed in the summer.

Toronto’s market remains stable. Interest rates currently are at a historic low, and rents for most housing units decline. This indicates that making a move in real estate right now is the perfect time to do so.

What impact did the COVID-19 have on Toronto’s real estate market?

Without any doubt, Toronto is Canada’s financial and business capital, and the city has all ethnicities of the world (all) literally. The onset of the 1970s saw the city receive immigrants from all around the world. By the late 2000s, more than 49.1% of the city’s population was foreign-born.

A unique aspect of the city’s urban planning is mixing apartment buildings in residential lots to curb urban sprawl. After the 1990s, the sprawl began to spread towards cities and towns like Mississauga, Brampton, Vaughan, Richmond Hill, Pickering, Oakville, and Oshawa, the city’s urban planning is still the best of any large city.

The latest figures from the Toronto Regional Real Estate Board (TRREB) reveal that many Torontonians leave inner-city areas for homes in the suburbs. Some go to areas near holiday cottages and farms for what they term as ‘peaceful living.’ It also indicates that sales are rising in the 905 area (near the city) in comparison to the 416 area (city center).

According to experts, the reality of all this is quite complicated. Moving to the suburbs, or exurbs has been a trend affecting the Greater Toronto Area (GTA) real estate market among a specific demographic. This is also due to Toronto’s expensive real estate market. This trend has intensified due to the COVID-19 pandemic.

A survey carried out by the Mortgage Professionals of Canada in August this year among Torontonians revealed the following reasons for purchasing a home in the suburbs/exurbs instead of a condo are as under:

  • 28% of respondents said they want to live in a more immaculate home.
  • 14% revealed that their current home is no longer suitable.
  • 14% revealed that the current situation is an excellent time to get a good deal on a home.
  • 12% stated that low-interest rates make it a perfect time to buy a home.
  • 11% stated that they want to live in the least expensive place.

A vast majority of millennials are renters of Toronto condos, and they see a sharp fall in interest rates as the stepping stone to owning a home. The same phenomenon is also seen in other towns and cities other than the Greater Toronto Area (GTA).

Is right now the best moment to make a move in Toronto’s real estate market?

Here are some factors to prove that right now is the best time for Torontonians to make the best real estate move:

Reduced interest rates

Thanks to low-interest rates, mortgage rates across Canada are experiencing an all-time low. HSBC Canada has reduced its five-year fixed mortgage rate to 1.99%, which has broken Canada’s 2% barrier. Depending on the buyer’s/resident’s situation, a drastic cut in these rates can mean massive savings for them.

With the Canadian Economy recovering amidst easing COVID-19 induced restrictions, it projected that economic activity would bounce back quicker than expected in the third quarter. The Bank of Canada indicated that it might keep these rates historic low in supporting economic recovery. This is itself a good omen for those who want to buy a home, refinance their mortgage, or amalgamate their debt.

There is relief in the rental market

Short-term rentals were banned for the pandemic duration, forcing landlords and property owners to list their short-term rental properties as long-term rental properties (Airbnb ones included). Consequently, inventory grew as prices fell.

Evens students moved out of the city too. This trend was witnessed in the previous couple of months due to a drop in employment rates. Meaning, no one could afford to live in Toronto without a steady income (as it is also ranked among the world’s expensive cities to live in).

It was announced on September 17 that rental prices wouldn’t increase from January 2021, and will be kept that way up to December 2021 to help unemployed tenants pay rent with ease. It is relatively early to predict if rents will remain low, but those who wish to get a property for rent in the city should know the time to make a move.

A summer of record-breaking home sales

When the market was put on hold due to COVID-19, buyers were on the sidelines, which resulted in an upward surge in home sales in the summer when restrictions started cooling off. The pandemic moved the busy spring season of real estate through the summer as housing prices in the Greater Toronto Area (GTA) broke records in July and August.

The market saw a surge of condo listing too. Other than that, buyers were vying intensely for both detached and semi-detached homes.

Tightening of the detached housing market and softening of the condo one

Both detached and semi-detached homes were selling like red hot properties. Two reasons led to this: 1). People are becoming comfortable working from home, and 2)—residents looking to buy decent homes outside the city.

The months of July and August saw the highest recorded numbers for prices in these segments. The same period also saw tight competition due to low inventory.

While on the other hand, listings for condos outstripped the sales, which resulted in balanced conditions in the condo market. This was further reflected in a slower pace of price growth in this segment. However, condos prices did not drop as selling prices for them in Toronto grew by 17%, and listings were raised by 25% compared to the previous summer.

For the city’s (and country’s) Economy, it is a good sign, but for new buyers dreaming of having their own home, the sign is worrisome.

The immigration factor

Canada’s population is seeing its slowest growth since 2015 and due to the COVID-19 pandemic too. With supply and demand in misbalance due to border restrictions, housing markets of other cities like Calgary, Edmonton, Montreal, and Ottawa have been affected because of this.

Despite the decline in immigration, Toronto’s market is steady and resilient due to monumental competition to the limited supply.

Selling prices have risen

Amid unemployment and a record wave of bankruptcies, a surge in selling prices has been observed. When the pandemic started, there was speculation that there would be a drop in housing prices, but that was not the case with Toronto’s market. Low-interest rates and a rise in activity from buyers and sellers are likely the reason for continued competition in the city’s real estate market.

The Canada Mortgage and Housing Corporation (CMHC) has tightened borrowing rules, yet the market booms. Another reason for this may be residents’ self-isolation, and the fact that inner-city residents were living in was not enough.

It might also be that sellers drop a home’s price when it isn’t getting sold. However, this has not been the case as it has been proved that sellers are waiting for the right price to sell their home.


Even though residents are now shifting towards suburbs, Toronto’s housing market is still red hot and is gaining momentum. Housing prices are not falling right now but can fall soon. A large part f this phenomenon can be attributed to COVID-19’s impact on the market itself. Also visit

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Best Time for Investors to Invest in UAE Real Estate Market



First time in the history of Dubai, on Saturday the UAE government announced some significant changes to the citizenship law. UAE government allowed for the naturalization of foreign investors, scientists, doctors, artists, and talented people and their families.

The reason behind giving people and their families Emirati citizenship to embrace them as members of part of the UAE society like other citizens and ensure the social stability of these people in the UAE. It also helps to boost the overall national development process.

The changes in the citizenship law upon the directives of President His Highness Sheikh Khalifa Bin Zayed Al Nahyan were approved by His Highness Sheikh Mohammed bin Rashid Al Maktoum.

The changes in citizenship law specified the categories of the people who are able to apply for citizenship, under certain conditions. One of the major changes in this citizenship law is they allow them to also keep their current citizenship, the previous rule doesn’t allow for dual citizenship.


Now we will discuss the requirements (terms and conditions) upon which citizenship can be granted:


According to the changes in the law the investor must own a property in the UAE.

Medical doctors and skilled professionals:

The doctors and skilled professionals must have a specialization in a unique scientific field that is needed by the UAE, and also have 10 years of experience in that field. They have to contribute to research, studies that have scientific value in their field.


A scientist must be a lively researcher in their field at a search institute, a university, or the private sector, and must have 10 years of experience in their relevant field, have scientific contributions- like having won a prestigious scientific award, or having secured significant funding for his or her research for 10 years. Additionally to a recommendation letter from a credited scientific institute within the UAE.

Talented people:

Inventors: They need to have had a minimum of one patent certified by the UAE Ministry of Economy or any accredited relevant international Ministry. Which features a real value to the UAE economy. Additionally to a recommendation letter from the UAE Ministry of Economy.

Intellectuals and artists: Intellectuals and artists need to be pioneers in arts, culture, and other talents. A minimum of one international award in those talents is also required. Additionally to a recommendation letter from the UAE relevant bodies.

Why buy property for sale in Dubai?

Luxury property ready apartments for sale in Dubai are elegant and unique in their features and style. You can easily found ready apartments at very affordable prices in Dubai. In Dubai, you can easily found a suitable for your home or if you are looking for someplace to invest then check out the development in downtown Dubai.

Over the last 10 years, there have been many developments that have been made in Dubai, calling it the event, particularly inland, wouldn’t be wrong. Today the there’s a varied property purchasable in Dubai. Therefore the main reason behind that’s that they need to be succeeded in presenting both the international and the local investors with exceptionally best and secure commercial also as residential opportunities for investments. Most significantly they need the determination and potential to beat these investments which no other competitor currently has.

It doesn’t matter which side of the property you would like to take a position whether it’s the waterfront property or the peaceful and calm living community. But one thing is needless to say which the investment won’t be at stake.

Why Opt For Ready Villas For Sale In Dubai?

One of the most important questions facing the investor is whether or not he or she should inspect furnished villas or not. Buying fully furnished freehold villas purchasable in Dubai saves you from incurring expenses in buying furniture and other facilities that are needed to urge the villa ready for living. As they’re already provided, you’ll enter the villas directly. These homes are best for those that need a villa urgently and can’t spend time and energy furnishing it directly.

Luxury villas purchasable in Dubai are available in various sizes and costs. You’ll make certain of finding one with the type of feature and price that’s suitable for your needs. These are modern, but cheap villas purchasable in Dubai that provide you value for money as they’re priced much lower compared to other attractive global locations where you’ll buy the property. Those seeking a property with more space should check out the property for sale in Dubai, yet offering the latest comforts and a modern living environment.

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Dropshipping Courses to Start a Free Dropshipping Business




Dropshipping jobs service is one of the best business opportunities at this time that is the reason more and more individuals and organizations are turning to dropshipping business. But nothing is easy and it looks very difficult when you want to start and you have no idea about that. 

If you want to know or start about the free dropshipping you will have to do dropshipping Course that will make your journey of free dropshipping very easy and help you to established your dropshipping business. 

Amazon is the best place for the dropshipping business that is the reason they are providing the dropshipping courses at this time. So, in this post, I will help you to know that what is the courses, how you can take them, and where from? 

You can take the courses from Amazon, Udemy, Shopify, and many more courses for a dropshipping business. Here is the list of dropshipping courses that will help you to make your empire from scotch. 

The Amazon Dropping Course

Amazon is the world’s largest e-commerce site that is the reason they are providing the dropping courses that you can join and start your dropshipping. One of the best things is that these courses are made by high-level experts and experienced people. 

Amazon Doorship Mastery

It is also one of the most popular dropshipping courses for Amazon. In this course, you will learn and get full instructions that how you can create and optimize the best Amazon online store and start dropshipping for your customers. 

Build a dropshipping from scratch to empire

This a one of the best courses for people who want to develop a successful dropshipping business from scratch to a big empire. In this course, you will learn all about dropshipping that how you can start, and what are the steps to get reach the peak. 

The last Amazon Course

If you have to learn about the overall amazon business model and the full process in detail that how a person gets the goods from Amazon to doors. One of the best things is that in this course you will not only learn about how you can understand and start the door shipping but also you will learn the full process of amazon working. 

Ecom Freedom X course

This is also one of the best courses to establish a new drop-shipping business. This course may help you to build a life-changing dropshipping business for Amazon or another marketplace. You will have to access the course if you want to start an e-commerce site especially for dropshipping. 


You can get a lot of dropshipping courses online. But if you want to make a big brand then you need the best and high-quality courses. You can select any course or one of those. All courses are created by experts and experienced. 

In these courses, you will get the best strategies and tips to get succeed in dropshipping easily and very soon. Keep in mind that nothing is easy and you will also have to work to establish a free dropshipping business. 

The dropshipping courses will only guide you about what are the steps you should follow. It provides the tips, tricks, and instructions to get easily and instantly create your dropshipping business. So, start your journey with these courses. 

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Digital Marketing is the use of modern gadgets and the internet to market products. Singapore, with a population of 5.83 million people, is one of the leading countries in digital marketing. Reportedly, more than 4 million Singaporeans can access the internet. Yes, regardless of the population size, internet access in Singapore is on another level. Search Engine Optimization (SEO) adds essential words to search engines, including Google, Yahoo, Baidu, and Yahoo. The words attract high website traffic, increasing the rankings of a webpage in the search engines. Many reliable SEO Agencies are available in Singapore. Digital Marketers should look for a quality SEO agency in the country for quick achievement of business goals.

Evolution of Digital Marketing in Singapore

Market Technology in Singapore has been evolving since 2012. During this time, many Singaporeans shifted to online shopping. The primary factor contributing to more online shopping numbers is the embracing of technological advancements in the country. Reportedly, over three-quarters of Singaporeans own smartphones. The salary increment in Singapore has also taken digital marketing to another level. Increased salaries have helped consumers be in a position to get various online products. Social media has also played a vital role in Singapore’s digital marketing. According to statistics, more than 80% of Singapore’s population own social media accounts. Many users are using these accounts to share their online shopping experience. Eventually, these experiences attract others to shop on the internet resulting in the growth of Digital Marketing.

How to Asses SEO Agencies in Singapore

Finding the best SEO Agency in Singapore can be challenging. In most scenarios, upcoming digital marketers find it problematic to select a quality SEO agency. This blog will be useful to any digital marketer when it comes to assessing SEO Agencies. A reliable agency should have a high ranking on Google. Lower rankings of an SEO Agency do not guarantee favourable results to a digital marketer.

Moreover, one should also consider the ISO Certification of an SEO Agency.  The experts of an agency should also have knowledge of various sections of SEO. For instance, the expert should be in a position to answer complex SEO questions. A qualified agency worker can be relied on to provide useful information that may help a digital marketer. Digital marketers require crucial strategies that may help them in gaining a competitive advantage. Therefore, an SEO Agency should give a  technical approach that matches the content of a digital marketer. One should also consider the awards an agency possesses. The presence of awards indicates the agency’s SEO work is commendable. Also, the agency should be well known. That is, it should be mentioned in both local and international media. Digital marketers should use the tips mentioned above when looking for a quality SEO agency to engage in the business.

How Social Media has taken Digital Marketing in Singapore to another level

The massive growth of digital marketing in Singapore has also been contributed by social media. Singapore is one of the few countries in the world whose citizens have embraced the latest technology.  It has resulted in companies taking advantage of many social media users to market their products. For instance, firms are using Facebook to create awareness about their products. Shifting attention to social media has helped organizations popularize their brands and generate leads and traffic.

Moreover, social media has also increased the SEO rankings of digital marketers. In short, upcoming and existing digital marketers should try social media to boost their business. Surprisingly, millions of internet marketers recommend using social media in the industry.

What Singaporean Digital Marketers should know.

There are specific facts a digital marketer in Singapore should be aware of. Knowing these facts places the business in a better competitive position in the market. For instance, WhatsApp, Messenger, Skype, Line, and WeChat are the most used messaging apps. Digital marketers should therefore stick to these apps to successfully keep contact with clients. Anyone intending to venture into digital marketing should also know millennials take a large part in social media. Marketers, therefore, require the marketing strategies that are suitable for these consumers. Furthermore, marketers should be aware YouTube, Facebook, Instagram are the most used platforms in Singapore. Undoubtedly, marketers who use these platforms well end up achieving their business goals.

Digital Marketing in Singapore during the Covid-19 pandemic

Covid-19 was declared a global pandemic a few days after its outbreak back in early 2020. Among the people affected by the pandemic are digital marketers. However, they were positively impacted because the sales and traffic received a significant growth. It is because people were forced to stay inside, and therefore, more shopping was done online. Digital marketing in Singapore is still growing up today because the world has not fully recovered from the pandemic.

The Future of Digital Marketing in Singapore

Looking at the current trend, digital marketing in Singapore will be far in the coming five years. Digital consumers will also rise in this country, making the marketing strategy more successful. Also, mobile commerce is predicted to increase by more than 40%. Stiff completion in the digital marketing sector may again rise. More internet users will be available, and marketers will use the opportunity to create awareness about their products.

Impacts of Digital Marketing in Singapore

Digital marketing is playing a vital role in Singapore’s business and consumers. For instance, consumers can check the price, features, and importance of the product before buying through the marketing strategy. Moreover, Digital marketing helps marketers adapt to changing trends. This is because digital marketing has more approaches to help marketers in new market situations.

The Bottom Line

In the coming years, Singapore will become invincible in the digital market. It is a wake-up call to other nations to embrace technology and digital marketing. Knowing how to assess SEO agencies in Singapore is essential. Assessing agencies in this country is a problem many marketers may face. However, the blog may be useful to any Singaporean digital marketer who may find challenges in examining the SEO agencies. Remember, information from a quality agency is guaranteed to take digital marketing to another level. Digital marketers in Singapore should, therefore, never settle for less.

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Want to Learn Tagalog? – Here are Reasons to Hire Professional English to Tagalog Translator




Tagalog is one of the two official languages spoken in the Philippines, a country in Southeast Asia. English is the other official language and is spoken widely in the country. That is a fact that makes it somewhat easy to communicate in the Philippines. So if that’s the case, why bother learning Tagalog?

Well, aside from it being very interesting, Tagalog has a long history of the Philippines and the Filipino culture embedded in it and is also a symbol of pride. Learning Tagalog will help you extend the communication boundaries and unlock more opportunities with the Philippines and the Filipinos. If you want to work, live or study in the Philippines; have friends, relatives, or a spouse from the country, learning Tagalog will help you understand the culture allowing you to fit in better with its people. Apart from that, the Filipinos will appreciate the time taken to learn their language; that will come in handy building strong relationships based on trust and appreciation.

So, if you are wondering why you should take any interest in the English to Tagalog translation, there you have it. And this is just the tip of the iceberg. That said, learning Tagalog can be easy or difficult depending on how you approach it. Working with professionals is always so much easier than without them.

In this article, you will discover the 5-most Important reasons for hiring a professional translation service provider.

  • They Understand the Filipino Culture

The majority of people assume that learning a foreign language is all about translating words directly from one language to another. Well, this true up to some extent, but there is more to it. Different languages have different aspects of culture embedded in the meaning, and not all direct translations will have the same connotations. One word can have so many different meanings depending on the language. Some of it could be misleading; some of it could as well be offensive to the natives. The same case applies to Tagalog. Professional English to Tagalog translators understand the Filipino culture and will not mislead you in their translations.

  • To Ensure Consistency

The sole purpose of translations is to be fully understood as you communicate. That means that your English to Tagalog translation should be consistent with the original message. But that is not possible if the translation is not accurate. A professional translator knows what they are doing and will help you avoid any unnecessary misinterpretations.

  • They Understand the Special Terminologies

There is a big difference between translating regular communication and translating the specialized terminologies of a language. These terminologies are specific to a particular field or subject and are more complex translating unless you are an expert. Professional English to Tagalog services have people who specialize in different areas and help you with those terminologies on your legal contracts, technical manuals, and any other translation you may need.

  • They are future-Oriented

Another reason to hire professionals to help you with your English to Tagalog translations is that they are future-oriented. And how is that?

Once you hire their services, professional translators will create backup information of all the projects in their database. These can be recycled over and over again in the future when dealing with a similar situation. The best part about it is that most translators will offer this service for free, meaning you do not have to pay again to recycle the stored information. And that is not all. That will also help you to,

  • Save time
  • Save money
  • Save your energy

Anyone can benefit from hiring professional Tagalog translators. That includes

  • Anyone running an international or multinational company in the Philippines
  • A student taking Tagalog
  • Anyone learning Tagalog for fun or any other reason
  • To Ensure High-Quality Services

Hiring a professional for your translation needs costs money, but the outcome is always worth it. Indeed sometimes you might feel like you are paying too much money for the services, but that could not be further from the truth. And if you have any doubts about that, you wait until you hear what other people have to say about hiring incompetent Translators. You will still pay for their services, waste your time and not get what you were looking for in the first place. If you are in business, you will lose.

Professional translators are keen to deliver high-quality services, and hiring them is the only way to guarantee a positive outcome.


Whether you are a student, business person, tourist, or just visiting the Philippines, learning Tagalog will add some value to your life in more ways than one. And relying on professional translators is the perfect way to maximize your benefits.

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5 Tips to Finding Good Life Insurance as a Senior



There are a lot of perks to your golden years. You get discounts on meals and the best seats on the bus. But there are some difficult aspects, too, like getting life insurance.

For whatever reason, life insurance policies aren’t always a priority when we’re young. But now that you know the importance of protecting your assets and your loved ones when you’re not around, it’s difficult to get the job done. Some companies refuse to write insurance policies after a certain age or for people with common health conditions. 

Getting good life insurance when you’re a senior isn’t impossible, though. These five tips will help you know what to look for and find protection, no matter your age!

1. Work With a General Life Insurance Agent

You may not have thought about it before now, but insurance agents aren’t all the same. Yes, they have comparable training and have to pass a test for their license, but the rest depends on where they work.

In most states, agents must have a license to sell certain types of insurance. Beyond that, they have to be individually approved by the insurance company that they want to underwrite for.

Every insurance company has its own regulations for screening potential agents. Your agent can only write policies for the insurance companies from which he or she is approved. It makes sense, then, that you could get a better deal with a different person.

Consider your car insurance, for instance. If you wanted to buy insurance from a close friend who happens to be an agent, you would be stuck with the policies and premiums they can offer.

When you work with an agent who’s only able to write policies for one company, you’re less likely to get approval. Even if you do, you’re limited to their restrictions and rates.

A general life insurance agent can research dozens of potential companies and find your best fit.

2. Check the Company’s Rating

As with everything in today’s mostly digital world, you will want to research the company you’re interested in working with before you give them any information.

Even if you’ve “heard” of it in the past, check the ratings with places like Standard and Poor’s. Look at the financial strength ratings and any complaints that are listed.

Bad life insurance is worse than none. People who end up taking out contracts with financially insolvent companies pay their premiums. Then, they find out they can’t cash in on their policy when they need it.

If the company looking to underwrite you has a poor reputation and high rates, keep looking. It could be beneficial to put that money into a portfolio instead.

3. Look at Value, Not Premium

Monthly premiums will obviously make a difference in your final decision, but don’t let them be the only factor. Look at what the life insurance covers to determine the best value for your needs.

Life insurance coverage varies from the bare minimum to full coverage. As a senior, you’re probably only going to qualify for a whole-life policy, not a term policy, but that’s not a bad thing. Whole-life insurance builds cash value; term policies don’t.

Some companies offer flexible adjustments if your needs change. You can decrease the death benefit, reducing your premiums. If money is tight, you can skip your payments for short periods.

Other life insurance policies build cash value. That means if you need funds for an urgent situation, you can access that cash while you’re still alive. It comes out of your beneficiaries’ benefits unless you replace it.

These advantages make a slightly higher premium for more benefits a better value overall.

4. Focus on Seniors-Only Insurance

As a senior, you have unique needs that not all insurance companies cater to. 

Chances are, you don’t want or need term insurance anymore. That type of policy is okay if you just want your funeral costs covered or some debt handled, but term policies also have a maximum age at which you can buy one.

If you’re looking for the best coverage to protect your loved ones, a seniors-only policy is what you want.

Companies that write almost exclusively for seniors offer permanent insurance coverage. These policies never expire, and the premiums usually stay the same, regardless of changes in your health.

Some policies require a health exam before you can be approved. Others will grandfather you in without this requirement, but at a reduced rate for a certain period after the policy starts.

If your health is the reason you’ve been unable to get insurance in the past, guaranteed life insurance could be your answer. This is a good choice for people on a budget, too. The policy benefits are lower, but the peace of mind you get from knowing your loved ones are protected is priceless.

5. Watch Out for Policies That Feel Too Good to Be True 

With age comes the benefit of wisdom, so you are probably wary of scams, and rightly so. Insurance policies are an easy door for scammers who love to prey on senior citizens.

Even licensed agents might not be reputable. Don’t take anyone at surface level. Get recommendations from friends and family members who have worked with good agents. 

Every agent has an assigned license number. You can, and should, look up their ratings online. It’s not an invasion of their privacy — it’s protection for you and your loved ones!


As you enjoy the slow, relaxed pace of retirement, you have time to think about things like what you’re leaving behind. Your legacy begins while you’re still around, spreading your love and knowledge to those you care about.

You want your family to be able to grieve without financial concerns. With senior life insurance policies, you can focus on making every day count, knowing you handled the money issues for them.

Author Bio:

Leon Grundstein has more than 28 years of experience in real estate development, with over two decades of experience in the retirement industry. He founded Tacoma Point Ruston with a game-changing business model to promote a healthy and robust retirement lifestyle for older adults.

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