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Contingent on who you question, you will discover varying viewpoints on when and how the Canadian housing market will calm down from its latest spectacular rise.<br>As specified by the story released this month in the "Globe and Mail," TD Bank frankly predicts that by the later half of 2011, housing values will drop 2.9 percent, but not until they experience a 9% climb in value over 2009 values. However economist Sal Guatieri of BMO Capital Markets is more optimistic, informing "The Montreal Gazette" that the overvaluation that caused the real estate bubble will just affect big cities, and should not cause the sort of nationwide collapse expected in the US market.<br><br>One thing they both appear to concur on, however, is that the Canadian real estate market is on course for a slowing trend -- the question is simply how much and when.<br>As Guatieri pointed out, today's values for average houses in Vancouver or Toronto -- around $700,000 -- is coming close to 10 times the homeowner's income, but that in a normal market "a more normal price is about four or five times income". Although TD Bank had at first predicted 1.6% increases in 2011, this kind of real estate hyper inflation in the midst of economic recovery has actually compromised the market, and they are already seeing the signs of cooling this year derived from the rise of new home starts and new listings.<br><br>Areas like Mississauga are currently experiencing an increase in new Mississauga condominiums but sales could start to decline.<br>But TD did need to acknowledge in their interview with "The Vancouver Sun" that their 2009 projections were short, because they did not anticipate "a move by buyers and sellers to pre-empt regulatory and interest-rate changes" that resulted in a sharp first quarter surge in housing sales.<br>If you have any issues regarding the place and how to use bubble shooter pet, you can call us at our site. The looming harmonized sales tax due to take effect in July in Ontario and British Columbia certainly impacted markets in those provinces. The trend has affected financing costs already, with the Bank of Canada believed to raise their overnight target rate in June or July from the record breaking low of 0.25 percent.<br><br>More expensive borrowing rates should act on cottage regions with deduced prices for places such as Wasaga Beach real estate and this could constitute an opportunity for purchasers.<br>As family incomes catch up with the level of inflation -- an astounding 8 percent over the past 8 years -- TD predicts that overvalued real estate prices will continue to fall from 15 to 10 percent by the last part of next year. �This is bolstered by a decline in MLS sales, which as well includes Toronto MLS listings, over the last 6 months that the Canadian Real Estate Association has noticed.<br><br>The sole debate that is on the table is what impact the lofty prices will have on the housing market as a whole in the near term and in the future.<br>Gauthier describes his forecasts are a result of the "stronger supply response," and that the "market balance is now expected to be somewhat softer next year, consistent with market conditions more favourable to potential buyers and a mild depreciation in home values".<br>However Guatieri is not satisfied that prices will indeed fall, but instead will just slow down sufficiently to adapt after the current escalations. Gauthier and Guatieri both perceive indicators, however, that no matter when it arrives, the cooling shift will be short lived, and that the average home price should naturally come back to normal market value within the next 3 years.
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By Stephen Nellis<br><br>Sept 19 (Reuters) - Apple Inc's newest operating system for iPhones and iPads introduces changes to its marketplace for third-party software to satisfy app developers and add new so-called augmented reality apps.<br><br>The system, called iOS 11, is being released on Tuesday ahead of its two newest phone handsets, the iPhone 8 and iPhone X, set to start shipping to customers on Friday and Nov. 3, respectively.<br><br>The most visible changes will come to App Store. The App Store is the backbone of Apple's services segment, which brought in $21.5 billion in revenue in the past nine months, a 19 percent increase over the previous year and a bright spot as overall sales grew only 5 percent.<br><br>The store has been redesigned to give app developers more space for images and text to describe their software. Developers have long grumbled that their software is hard to find in Apple's store unless users type in the precise name of the app or follow a link to it.<br><br>"The redesign make it much cleaner and speaks to the pain point of the store: You had so many apps that if you didn't know exactly what you were looking for, it was really hard to find anything," said Carolina Milanesi, an analyst with Creative Strategies.<br><br>The new store also gives prominent display to games. Games are expected to make up 75 percent of all revenue for Apple's App Store, according to App Annie, which collects and analyzes market data on mobile apps.<br><br>Most of that revenue comes in the form of so-called in-app purchases, where gamers make purchases of tokens, gems and other digital items to unlock new parts of the game. "It´s really the gift that keep on giving from the developer perspective," Milanesi said.<br><br>But perhaps the biggest change in iOS 11 will the debut of augmented reality apps, or AR, in which digital images float over the real word. Apple has made much of those a capabilities , but an ostensibly minor feature may help AR apps spread: Screen recording.<br><br>In testing, Adam Debreczeni, maker of an app that lets users see a three-dimensional map of a fitness activity like a bicycle ride or run they've gone on, was surprised at how enthusiastically users took to sharing screen recordings of AR apps like his.<br><br>"I think that's going to help AR games go viral and get better distribution," he said.  In case you loved this information and you wish to receive details with regards to bubble shooter pet kindly visit the site. (Reporting by Stephen Nellis; Editing by Cynthia Osterman)

Revision as of 00:58, 23 October 2017

By Stephen Nellis

Sept 19 (Reuters) - Apple Inc's newest operating system for iPhones and iPads introduces changes to its marketplace for third-party software to satisfy app developers and add new so-called augmented reality apps.

The system, called iOS 11, is being released on Tuesday ahead of its two newest phone handsets, the iPhone 8 and iPhone X, set to start shipping to customers on Friday and Nov. 3, respectively.

The most visible changes will come to App Store. The App Store is the backbone of Apple's services segment, which brought in $21.5 billion in revenue in the past nine months, a 19 percent increase over the previous year and a bright spot as overall sales grew only 5 percent.

The store has been redesigned to give app developers more space for images and text to describe their software. Developers have long grumbled that their software is hard to find in Apple's store unless users type in the precise name of the app or follow a link to it.

"The redesign make it much cleaner and speaks to the pain point of the store: You had so many apps that if you didn't know exactly what you were looking for, it was really hard to find anything," said Carolina Milanesi, an analyst with Creative Strategies.

The new store also gives prominent display to games. Games are expected to make up 75 percent of all revenue for Apple's App Store, according to App Annie, which collects and analyzes market data on mobile apps.

Most of that revenue comes in the form of so-called in-app purchases, where gamers make purchases of tokens, gems and other digital items to unlock new parts of the game. "It´s really the gift that keep on giving from the developer perspective," Milanesi said.

But perhaps the biggest change in iOS 11 will the debut of augmented reality apps, or AR, in which digital images float over the real word. Apple has made much of those a capabilities , but an ostensibly minor feature may help AR apps spread: Screen recording.

In testing, Adam Debreczeni, maker of an app that lets users see a three-dimensional map of a fitness activity like a bicycle ride or run they've gone on, was surprised at how enthusiastically users took to sharing screen recordings of AR apps like his.

"I think that's going to help AR games go viral and get better distribution," he said. In case you loved this information and you wish to receive details with regards to bubble shooter pet kindly visit the site. (Reporting by Stephen Nellis; Editing by Cynthia Osterman)

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