Ecoer Logo
VOTING POWER100.00%
DOWNVOTE POWER100.00%
RESOURCE CREDITS100.00%
REPUTATION PROGRESS68.51%
Net Worth
1.292USD
STEEM
0.000STEEM
SBD
1.293SBD
Own SP
11.580SP

Detailed Balance

STEEM
balance
0.000STEEM
market_balance
0.000STEEM
savings_balance
0.000STEEM
reward_steem_balance
0.000STEEM
STEEM POWER
Own SP
11.580SP
Delegated Out
0.000SP
Delegation In
0.000SP
Effective Power
11.580SP
Reward SP (pending)
1.181SP
SBD
sbd_balance
0.000SBD
sbd_conversions
0.000SBD
sbd_market_balance
0.000SBD
savings_sbd_balance
0.058SBD
reward_sbd_balance
1.235SBD
{
  "balance": "0.000 STEEM",
  "savings_balance": "0.000 STEEM",
  "reward_steem_balance": "0.000 STEEM",
  "vesting_shares": "18832.946767 VESTS",
  "delegated_vesting_shares": "0.000000 VESTS",
  "received_vesting_shares": "0.000000 VESTS",
  "sbd_balance": "0.000 SBD",
  "savings_sbd_balance": "0.058 SBD",
  "reward_sbd_balance": "1.235 SBD",
  "conversions": []
}

Account Info

namechlife
id151963
rank113,403
reputation15389646120
created2017-05-08T00:45:12
recovery_accountsteem
proxyNone
post_count22
comment_count0
lifetime_vote_count0
witnesses_voted_for0
last_post2017-07-16T12:50:09
last_root_post2017-07-16T12:50:09
last_vote_time2017-07-16T13:01:51
proxied_vsf_votes0, 0, 0, 0
can_vote1
voting_power0
delayed_votes0
balance0.000 STEEM
savings_balance0.000 STEEM
sbd_balance0.000 SBD
savings_sbd_balance0.058 SBD
vesting_shares18832.946767 VESTS
delegated_vesting_shares0.000000 VESTS
received_vesting_shares0.000000 VESTS
reward_vesting_balance2441.265646 VESTS
vesting_balance0.000 STEEM
vesting_withdraw_rate0.000000 VESTS
next_vesting_withdrawal1969-12-31T23:59:59
withdrawn0
to_withdraw0
withdraw_routes0
savings_withdraw_requests0
last_account_recovery1970-01-01T00:00:00
reset_accountnull
last_owner_update2017-07-07T11:36:42
last_account_update2017-07-09T08:27:33
minedNo
sbd_seconds0
sbd_last_interest_payment2017-07-09T08:26:51
savings_sbd_last_interest_payment1970-01-01T00:00:00
{
  "active": {
    "account_auths": [],
    "key_auths": [
      [
        "STM83nH9we34g2AYN4nuEDHWNGv3AWXGy5JngDqN5xMGq1KEMbm7A",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "balance": "0.000 STEEM",
  "can_vote": true,
  "comment_count": 0,
  "created": "2017-05-08T00:45:12",
  "curation_rewards": 2,
  "delegated_vesting_shares": "0.000000 VESTS",
  "downvote_manabar": {
    "current_mana": "4708236692",
    "last_update_time": 1588923651
  },
  "guest_bloggers": [],
  "id": 151963,
  "json_metadata": "{\"profile\":{\"profile_image\":\"http://blog.naver.com/NBlogWlwLayout.nhn?blogId=miafiglia\"}}",
  "last_account_recovery": "1970-01-01T00:00:00",
  "last_account_update": "2017-07-09T08:27:33",
  "last_owner_update": "2017-07-07T11:36:42",
  "last_post": "2017-07-16T12:50:09",
  "last_root_post": "2017-07-16T12:50:09",
  "last_vote_time": "2017-07-16T13:01:51",
  "lifetime_vote_count": 0,
  "market_history": [],
  "memo_key": "STM7GnSbbyPfcYFET3hQwjzoZcS5BVQrqdN47hcVHkfYnAr1kzSAm",
  "mined": false,
  "name": "chlife",
  "next_vesting_withdrawal": "1969-12-31T23:59:59",
  "other_history": [],
  "owner": {
    "account_auths": [],
    "key_auths": [
      [
        "STM8KyscPeNzqUixtd29bonZUTLLRr6xbahAW94hQ4ppM7uQas7uB",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "pending_claimed_accounts": 0,
  "post_bandwidth": 0,
  "post_count": 22,
  "post_history": [],
  "posting": {
    "account_auths": [],
    "key_auths": [
      [
        "STM5W973iv3qP1iKcSzyh3DAiocRM9BGUQjE9Qso6oM5tn1g39zLH",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "posting_json_metadata": "{\"profile\":{\"profile_image\":\"http://blog.naver.com/NBlogWlwLayout.nhn?blogId=miafiglia\"}}",
  "posting_rewards": 2508,
  "proxied_vsf_votes": [
    0,
    0,
    0,
    0
  ],
  "proxy": "",
  "received_vesting_shares": "0.000000 VESTS",
  "recovery_account": "steem",
  "reputation": "15389646120",
  "reset_account": "null",
  "reward_sbd_balance": "1.235 SBD",
  "reward_steem_balance": "0.000 STEEM",
  "reward_vesting_balance": "2441.265646 VESTS",
  "reward_vesting_steem": "1.181 STEEM",
  "savings_balance": "0.000 STEEM",
  "savings_sbd_balance": "0.058 SBD",
  "savings_sbd_last_interest_payment": "1970-01-01T00:00:00",
  "savings_sbd_seconds": "0",
  "savings_sbd_seconds_last_update": "2017-07-09T08:26:51",
  "savings_withdraw_requests": 0,
  "sbd_balance": "0.000 SBD",
  "sbd_last_interest_payment": "2017-07-09T08:26:51",
  "sbd_seconds": "0",
  "sbd_seconds_last_update": "2017-07-09T08:26:51",
  "tags_usage": [],
  "to_withdraw": 0,
  "transfer_history": [],
  "vesting_balance": "0.000 STEEM",
  "vesting_shares": "18832.946767 VESTS",
  "vesting_withdraw_rate": "0.000000 VESTS",
  "vote_history": [],
  "voting_manabar": {
    "current_mana": "18832946767",
    "last_update_time": 1588923651
  },
  "voting_power": 0,
  "withdraw_routes": 0,
  "withdrawn": 0,
  "witness_votes": [],
  "witnesses_voted_for": 0,
  "rank": 113403
}

Withdraw Routes

IncomingOutgoing
Empty
Empty
{
  "incoming": [],
  "outgoing": []
}
From Date
To Date
steemdelegated 0.000 SP to @chlife
2020/05/08 07:40:51
delegateechlife
delegatorsteem
vesting shares0.000000 VESTS
Transaction InfoBlock #43191186/Trx c5845134cbea1b85583b6263558c0ffcd293bf9f
View Raw JSON Data
{
  "block": 43191186,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "chlife",
      "delegator": "steem",
      "vesting_shares": "0.000000 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-05-08T07:40:51",
  "trx_id": "c5845134cbea1b85583b6263558c0ffcd293bf9f",
  "trx_in_block": 3,
  "virtual_op": 0
}
2019/05/08 02:15:18
authorsteemitboard
bodyCongratulations @chlife! You received a personal award! <table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@chlife/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table> <sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@chlife) and compare to others on the [Steem Ranking](http://steemitboard.com/ranking/index.php?name=chlife)_</sub> **Do not miss the last post from @steemitboard:** <table><tr><td><a href="https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-05"><img src="https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png"></a></td><td><a href="https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-05">SteemitBoard - Witness Update</a></td></tr><tr><td><a href="https://steemit.com/steemmeetupaachen/@steemitboard/steemitboard-to-support-the-german-speaking-community-meetups"><img src="https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeoNp9iCaCfd2D6TqnWa3Aky2mU4Fm3xaSmjTM91YoNBS/image.png"></a></td><td><a href="https://steemit.com/steemmeetupaachen/@steemitboard/steemitboard-to-support-the-german-speaking-community-meetups">SteemitBoard to support the german speaking community meetups</a></td></tr></table> ###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!
json metadata{"image":["https://steemitboard.com/img/notify.png"]}
parent authorchlife
parent permlinklook-at-bitcoin-in-korean-market-bithumb-com
permlinksteemitboard-notify-chlife-20190508t021518000z
title
Transaction InfoBlock #32715153/Trx 3019944223053f7aea0a7926b2c617d160519cd4
View Raw JSON Data
{
  "block": 32715153,
  "op": [
    "comment",
    {
      "author": "steemitboard",
      "body": "Congratulations @chlife! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@chlife/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@chlife) and compare to others on the [Steem Ranking](http://steemitboard.com/ranking/index.php?name=chlife)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-05\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-05\">SteemitBoard - Witness Update</a></td></tr><tr><td><a href=\"https://steemit.com/steemmeetupaachen/@steemitboard/steemitboard-to-support-the-german-speaking-community-meetups\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeoNp9iCaCfd2D6TqnWa3Aky2mU4Fm3xaSmjTM91YoNBS/image.png\"></a></td><td><a href=\"https://steemit.com/steemmeetupaachen/@steemitboard/steemitboard-to-support-the-german-speaking-community-meetups\">SteemitBoard to support the german speaking community meetups</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
      "json_metadata": "{\"image\":[\"https://steemitboard.com/img/notify.png\"]}",
      "parent_author": "chlife",
      "parent_permlink": "look-at-bitcoin-in-korean-market-bithumb-com",
      "permlink": "steemitboard-notify-chlife-20190508t021518000z",
      "title": ""
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2019-05-08T02:15:18",
  "trx_id": "3019944223053f7aea0a7926b2c617d160519cd4",
  "trx_in_block": 10,
  "virtual_op": 0
}
steemdelegated 1.251 SP to @chlife
2018/05/16 20:10:45
delegateechlife
delegatorsteem
vesting shares2034.839782 VESTS
Transaction InfoBlock #22489716/Trx 5aac65be2cf9f9891be99afecd04c4cc49a5f654
View Raw JSON Data
{
  "block": 22489716,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "chlife",
      "delegator": "steem",
      "vesting_shares": "2034.839782 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2018-05-16T20:10:45",
  "trx_id": "5aac65be2cf9f9891be99afecd04c4cc49a5f654",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 7.312 SP to @chlife
2018/01/08 19:38:09
delegateechlife
delegatorsteem
vesting shares11892.053233 VESTS
Transaction InfoBlock #18806384/Trx ba25ee7e81518cd2c15356d7c0fb64b39fd95238
View Raw JSON Data
{
  "block": 18806384,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "chlife",
      "delegator": "steem",
      "vesting_shares": "11892.053233 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2018-01-08T19:38:09",
  "trx_id": "ba25ee7e81518cd2c15356d7c0fb64b39fd95238",
  "trx_in_block": 0,
  "virtual_op": 0
}
chlifereceived 1.208 SBD, 1.465 SP author reward for @chlife / the-economist-get-ready-for-a-world-currency-by-2018
2017/07/16 15:28:18
authorchlife
permlinkthe-economist-get-ready-for-a-world-currency-by-2018
sbd payout1.208 SBD
steem payout0.000 STEEM
vesting payout2383.383961 VESTS
Transaction InfoBlock #13736808/Virtual Operation #17
View Raw JSON Data
{
  "block": 13736808,
  "op": [
    "author_reward",
    {
      "author": "chlife",
      "permlink": "the-economist-get-ready-for-a-world-currency-by-2018",
      "sbd_payout": "1.208 SBD",
      "steem_payout": "0.000 STEEM",
      "vesting_payout": "2383.383961 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-07-16T15:28:18",
  "trx_id": "0000000000000000000000000000000000000000",
  "trx_in_block": 4294967295,
  "virtual_op": 17
}
chlifereceived 0.010 SBD, 0.013 SP author reward for @chlife / us-russian-ceasefire-deal-goes-into-effect-in-southwest-syria
2017/07/16 13:57:48
authorchlife
permlinkus-russian-ceasefire-deal-goes-into-effect-in-southwest-syria
sbd payout0.010 SBD
steem payout0.000 STEEM
vesting payout20.671222 VESTS
Transaction InfoBlock #13735000/Virtual Operation #12
View Raw JSON Data
{
  "block": 13735000,
  "op": [
    "author_reward",
    {
      "author": "chlife",
      "permlink": "us-russian-ceasefire-deal-goes-into-effect-in-southwest-syria",
      "sbd_payout": "0.010 SBD",
      "steem_payout": "0.000 STEEM",
      "vesting_payout": "20.671222 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-07-16T13:57:48",
  "trx_id": "0000000000000000000000000000000000000000",
  "trx_in_block": 4294967295,
  "virtual_op": 12
}
2017/07/16 13:01:51
authorchlife
permlinklook-at-bitcoin-in-korean-market-bithumb-com
voterchlife
weight10000 (100.00%)
Transaction InfoBlock #13733883/Trx 47d425c099b3ccc5d10665217b8dbac35e8672d6
View Raw JSON Data
{
  "block": 13733883,
  "op": [
    "vote",
    {
      "author": "chlife",
      "permlink": "look-at-bitcoin-in-korean-market-bithumb-com",
      "voter": "chlife",
      "weight": 10000
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-07-16T13:01:51",
  "trx_id": "47d425c099b3ccc5d10665217b8dbac35e8672d6",
  "trx_in_block": 24,
  "virtual_op": 0
}
2017/07/16 12:56:42
authorchlife
permlinklook-at-bitcoin-in-korean-market-bithumb-com
voterdehenne
weight10000 (100.00%)
Transaction InfoBlock #13733780/Trx 518cb309b9debd42f1fa969032fa0c670bd49a40
View Raw JSON Data
{
  "block": 13733780,
  "op": [
    "vote",
    {
      "author": "chlife",
      "permlink": "look-at-bitcoin-in-korean-market-bithumb-com",
      "voter": "dehenne",
      "weight": 10000
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-07-16T12:56:42",
  "trx_id": "518cb309b9debd42f1fa969032fa0c670bd49a40",
  "trx_in_block": 17,
  "virtual_op": 0
}
chlifeupvoted (100.00%) @shahbazahmad / demo
2017/07/16 12:52:42
authorshahbazahmad
permlinkdemo
voterchlife
weight10000 (100.00%)
Transaction InfoBlock #13733700/Trx 15b8c7cbe7b5ce50211edcc2f54e44a7114470b8
View Raw JSON Data
{
  "block": 13733700,
  "op": [
    "vote",
    {
      "author": "shahbazahmad",
      "permlink": "demo",
      "voter": "chlife",
      "weight": 10000
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-07-16T12:52:42",
  "trx_id": "15b8c7cbe7b5ce50211edcc2f54e44a7114470b8",
  "trx_in_block": 2,
  "virtual_op": 0
}
2017/07/16 12:51:33
authorchlife
permlinklook-at-bitcoin-in-korean-market-bithumb-com
votershahbazahmad
weight10000 (100.00%)
Transaction InfoBlock #13733677/Trx 7063200cd60b1e960c64cacb45189fda4717eeb7
View Raw JSON Data
{
  "block": 13733677,
  "op": [
    "vote",
    {
      "author": "chlife",
      "permlink": "look-at-bitcoin-in-korean-market-bithumb-com",
      "voter": "shahbazahmad",
      "weight": 10000
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-07-16T12:51:33",
  "trx_id": "7063200cd60b1e960c64cacb45189fda4717eeb7",
  "trx_in_block": 11,
  "virtual_op": 0
}
2017/07/16 12:50:09
authorchlife
body![P20170716_214059000_6AD0E080-C8C3-4022-808A-6D99EE307B4A.PNG](https://steemitimages.com/DQmXbhmKc4TCxFzKJEArEDoAscZnaXwccFdsu3RvScduKmj/P20170716_214059000_6AD0E080-C8C3-4022-808A-6D99EE307B4A.PNG) BITCOIN DOWN 21% ETHEREUM DOWN 34% DASH DOWN 30% LIGHT COIN DOWN 22% ETHEREUM CLASSIC DOWN 27% RIPPLE DOWN 36% !!!
json metadata{"tags":["bitcoin","ethereum","dash","lightcoin","ripple"],"image":["https://steemitimages.com/DQmXbhmKc4TCxFzKJEArEDoAscZnaXwccFdsu3RvScduKmj/P20170716_214059000_6AD0E080-C8C3-4022-808A-6D99EE307B4A.PNG"],"app":"steemit/0.1","format":"markdown"}
parent author
parent permlinkbitcoin
permlinklook-at-bitcoin-in-korean-market-bithumb-com
titleLOOK AT BITCOIN IN KOREAN MARKET (Bithumb.COM)!!!!!
Transaction InfoBlock #13733649/Trx 1dcc24eacb6caec564a27927ddacd3c6a888cb41
View Raw JSON Data
{
  "block": 13733649,
  "op": [
    "comment",
    {
      "author": "chlife",
      "body": "![P20170716_214059000_6AD0E080-C8C3-4022-808A-6D99EE307B4A.PNG](https://steemitimages.com/DQmXbhmKc4TCxFzKJEArEDoAscZnaXwccFdsu3RvScduKmj/P20170716_214059000_6AD0E080-C8C3-4022-808A-6D99EE307B4A.PNG)\n\nBITCOIN DOWN 21%\nETHEREUM DOWN 34%\nDASH DOWN 30%\nLIGHT COIN DOWN 22%\nETHEREUM CLASSIC DOWN 27%\nRIPPLE DOWN 36% !!!",
      "json_metadata": "{\"tags\":[\"bitcoin\",\"ethereum\",\"dash\",\"lightcoin\",\"ripple\"],\"image\":[\"https://steemitimages.com/DQmXbhmKc4TCxFzKJEArEDoAscZnaXwccFdsu3RvScduKmj/P20170716_214059000_6AD0E080-C8C3-4022-808A-6D99EE307B4A.PNG\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\"}",
      "parent_author": "",
      "parent_permlink": "bitcoin",
      "permlink": "look-at-bitcoin-in-korean-market-bithumb-com",
      "title": "LOOK AT BITCOIN IN KOREAN MARKET (Bithumb.COM)!!!!!"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-07-16T12:50:09",
  "trx_id": "1dcc24eacb6caec564a27927ddacd3c6a888cb41",
  "trx_in_block": 22,
  "virtual_op": 0
}
2017/07/15 12:21:30
comment authormaochitse
comment permlinkbitcoin-to-touch-usd55000-says-stock-market-analyst
curatorchlife
reward2.067240 VESTS
Transaction InfoBlock #13704294/Virtual Operation #8
View Raw JSON Data
{
  "block": 13704294,
  "op": [
    "curation_reward",
    {
      "comment_author": "maochitse",
      "comment_permlink": "bitcoin-to-touch-usd55000-says-stock-market-analyst",
      "curator": "chlife",
      "reward": "2.067240 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-07-15T12:21:30",
  "trx_id": "0000000000000000000000000000000000000000",
  "trx_in_block": 4294967295,
  "virtual_op": 8
}
chlifereceived 0.001 SP curation reward for @maochitse / pay-your-friend-by-clicking-selfie
2017/07/15 12:16:09
comment authormaochitse
comment permlinkpay-your-friend-by-clicking-selfie
curatorchlife
reward2.067240 VESTS
Transaction InfoBlock #13704187/Virtual Operation #5
View Raw JSON Data
{
  "block": 13704187,
  "op": [
    "curation_reward",
    {
      "comment_author": "maochitse",
      "comment_permlink": "pay-your-friend-by-clicking-selfie",
      "curator": "chlife",
      "reward": "2.067240 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-07-15T12:16:09",
  "trx_id": "0000000000000000000000000000000000000000",
  "trx_in_block": 4294967295,
  "virtual_op": 5
}
2017/07/15 10:30:03
authorchlife
permlinkchina-central-bank-advisor-bitcoin-as-a-currency-could-collapse-entire-economies
sbd payout0.017 SBD
steem payout0.000 STEEM
vesting payout33.075983 VESTS
Transaction InfoBlock #13702068/Virtual Operation #9
View Raw JSON Data
{
  "block": 13702068,
  "op": [
    "author_reward",
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      "author": "chlife",
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2017/07/15 08:42:06
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chlifeupvoted (100.00%) @rlawls1991 / 5-5-15
2017/07/10 09:52:45
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2017/07/10 09:27:15
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2017/07/10 09:14:36
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2017/07/10 09:14:30
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2017/07/10 09:14:27
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2017/07/10 09:07:45
authorchlife
bodyZero!! If you find this informative please up vote me. Thank you ![20170709_elon1_0.jpg](https://steemitimages.com/DQmYvyNgPiq1MtRPQc3casjFzrpGRu2dvoqT4ZanAEjRjdH/20170709_elon1_0.jpg) After a tax incentive for electric cars was slashed in Hong Kong, new registrations of Teslas vehicles dropped from 2,939 to zero... Hong Kong, though relatively small, is a significant outpost of luxury car buyers and trend setters. Its government had long waived its vehicle registration tax for newly purchased electric automobiles, adding to the attractiveness of Tesla’s cars.   Citing increased congestion of privately owned vehicles on its streets, the government said in February that it would be changing the policy so the tax would be waived only on the first 97,500 Hong Kong dollars (about US$12,500) of an electric car’s purchase price for individuals.   After the change came into effect on April 1, the cost of a basic Tesla Model S in Hong Kong effectively rose to around US$130,000 from less than US$75,000. And the reaction - demand tumbled... The Wall Street Journal reports that Tesla sales in Hong Kong plummeted after authorities slashed a tax break for electric vehicles on April 1, demonstrating how sensitive the company’s performance can be to government incentive programs. Official data from Hong Kong’s Transportation Department, analyzed by The Wall Street Journal, show that no newly purchased Tesla Model S sedans or Model X sport-utility vehicles were registered in April in the Chinese territory, and only five privately owned electric vehicles were registered in May. Source - zerohedge
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      "body": "Zero!!  \n\nIf you find this informative please up vote me.  Thank you\n\n\n![20170709_elon1_0.jpg](https://steemitimages.com/DQmYvyNgPiq1MtRPQc3casjFzrpGRu2dvoqT4ZanAEjRjdH/20170709_elon1_0.jpg)\n\nAfter a tax incentive for electric cars was slashed in Hong Kong, new registrations of Teslas vehicles dropped from 2,939 to zero...\n\n\nHong Kong, though relatively small, is a significant outpost of luxury car buyers and trend setters. Its government had long waived its vehicle registration tax for newly purchased electric automobiles, adding to the attractiveness of Tesla’s cars.\n \nCiting increased congestion of privately owned vehicles on its streets, the government said in February that it would be changing the policy so the tax would be waived only on the first 97,500 Hong Kong dollars (about US$12,500) of an electric car’s purchase price for individuals.\n \nAfter the change came into effect on April 1, the cost of a basic Tesla Model S in Hong Kong effectively rose to around US$130,000 from less than US$75,000.\n\n\nAnd the reaction - demand tumbled...\nThe Wall Street Journal reports that Tesla sales in Hong Kong plummeted after authorities slashed a tax break for electric vehicles on April 1, demonstrating how sensitive the company’s performance can be to government incentive programs. Official data from Hong Kong’s Transportation Department, analyzed by The Wall Street Journal, show that no newly purchased Tesla Model S sedans or Model X sport-utility vehicles were registered in April in the Chinese territory, and only five privately owned electric vehicles were registered in May.\n\nSource - zerohedge",
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2017/07/10 08:59:09
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2017/07/10 08:57:12
authorchlife
bodyIf you find this informative please up vote me. Thank you We’ve previously showed you 31 Fascinating Facts About the Dollar’s Early History, which highlighted the history of U.S. currency before the 20th century. This was a very interesting period in which we looked at the money used by the first colonists, the extreme bust of the Continental currency, the era of privately-issued bank notes, and Congress’ emergency issuance of the fiat “greenback” during the Civil War. However, as The Money Project - an ongoing collaboration between Visual Capitalist and Texas Precious Metals that seeks to use intuitive visualizations to explore the origins, nature, and use of money - notes, the modern era of the U.S. dollar is just as interesting. We have it starting in 1913, when the Federal Reserve Act was passed by Woodrow Wilson. Not only did it establish a new central bank, but it also gave the Fed the authority to issue the Federal Reserve Note, which is (for now) the dominant form of U.S. currency both domestically and abroad. ![38-facts-us-dollar-modern.jpg](https://steemitimages.com/DQmaaEyzbkgT53rLNYGASRxBVu3xb6sy5oH3KSj9kAiXDWP/38-facts-us-dollar-modern.jpg)
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2017/07/09 18:00:42
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2017/07/09 16:01:15
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2017/07/09 15:30:21
authorcheetah
bodyHi! I am a robot. I just upvoted you! I found similar content that readers might be interested in: https://www.cbcg.org/prophecy/get-ready-for-a-world-currency.html
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2017/07/09 15:30:15
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2017/07/09 15:28:18
authorchlife
bodyIf you find this informative please up vote. thank you THIRTY years from now, Americans, Japanese, Europeans, and people in many other rich countries, and some relatively poor ones will probably be paying for their shopping with the same currency. Prices will be quoted not in dollars, yen or D-marks but in, let’s say, the phoenix. The phoenix will be favoured by companies and shoppers because it will be more convenient than today’s national currencies, which by then will seem a quaint cause of much disruption to economic life in the last twentieth century. - At the beginning of 1988 this appears an outlandish prediction. Proposals for eventual monetary union proliferated five and ten years ago, but they hardly envisaged the setbacks of 1987. The governments of the big economies tried to move an inch or two towards a more managed system of exchange rates – a logical preliminary, it might seem, to radical monetary reform. For lack of co-operation in their underlying economic policies they bungled it horribly, and provoked the rise in interest rates that brought on the stock market crash of October. These events have chastened exchange-rate reformers. The market crash taught them that the pretence of policy co-operation can be worse than nothing, and that until real co-operation is feasible (i.e., until governments surrender some economic sovereignty) further attempts to peg currencies will flounder.   …   The new world economy   The biggest change in the world economy since the early 1970’s is that flows of money have replaced trade in goods as the force that drives exchange rates. as a result of the relentless integration of the world’s financial markets, differences in national economic policies can disturb interest rates (or expectations of future interest rates) only slightly, yet still call forth huge transfers of financial assets from one country to another. These transfers swamp the flow of trade revenues in their effect on the demand and supply for different currencies, and hence in their effect on exchange rates. As telecommunications technology continues to advance, these transactions will be cheaper and faster still. With unco-ordinated economic policies, currencies can get only more volatile.   …   In all these ways national economic boundaries are slowly dissolving. As the trend continues, the appeal of a currency union across at least the main industrial countries will seem irresistible to everybody except foreign-exchange traders and governments. In the phoenix zone, economic adjustment to shifts in relative prices would happen smoothly and automatically, rather as it does today between different regions within large economies (a brief on pages 74-75 explains how.) The absence of all currency risk would spur trade, investment and employment. – The phoenix zone would impose tight constraints on national governments. There would be no such thing, for instance, as a national monetary policy. The world phoenix supply would be fixed by a new central bank, descended perhaps from the IMF. The world inflation rate – and hence, within narrow margins, each national inflation rate- would be in its charge. Each country could use taxes and public spending to offset temporary falls in demand, but it would have to borrow rather than print money to finance its budget deficit. With no recourse to the inflation tax, governments and their creditors would be forced to judge their borrowing and lending plans more carefully than they do today. This means a big loss of economic sovereignty, but the trends that make the phoenix so appealing are taking that sovereignty away in any case. Even in a world of more-or-less floating exchange rates, individual governments have seen their policy independence checked by an unfriendly outside world. – As the next century approaches, the natural forces that are pushing the world towards economic integration will offer governments a broad choice. They can go with the flow, or they can build barricades. Preparing the way for the phoenix will mean fewer pretended agreements on policy and more real ones. It will mean allowing and then actively promoting the private-sector use of an international money alongside existing national monies. That would let people vote with their wallets for the eventual move to full currency union. The phoenix would probably start as a cocktail of national currencies, just as the Special Drawing Right is today. In time, though, its value against national currencies would cease to matter, because people would choose it for its convenience and the stability of its purchasing power.   …   The alternative – to preserve policymaking autonomy- would involve a new proliferation of truly draconian controls on trade and capital flows. This course offers governments a splendid time. They could manage exchange-rate movements, deploy monetary and fiscal policy without inhibition, and tackle the resulting bursts of inflation with prices and incomes polices. It is a growth-crippling prospect. Pencil in the phoenix for around 2018, and welcome it when it comes.
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      "body": "If you find this informative please up vote.  thank you\n\n\nTHIRTY years from now, Americans, Japanese, Europeans, and people in many other rich countries, and some relatively poor ones will probably be paying for their shopping with the same currency. Prices will be quoted not in dollars, yen or D-marks but in, let’s say, the phoenix. The phoenix will be favoured by companies and shoppers because it will be more convenient than today’s national currencies, which by then will seem a quaint cause of much disruption to economic life in the last twentieth century.\n-\nAt the beginning of 1988 this appears an outlandish prediction. Proposals for eventual monetary union proliferated five and ten years ago, but they hardly envisaged the setbacks of 1987. The governments of the big economies tried to move an inch or two towards a more managed system of exchange rates – a logical preliminary, it might seem, to radical monetary reform. For lack of co-operation in their underlying economic policies they bungled it horribly, and provoked the rise in interest rates that brought on the stock market crash of October. These events have chastened exchange-rate reformers. The market crash taught them that the pretence of policy co-operation can be worse than nothing, and that until real co-operation is feasible (i.e., until governments surrender some economic sovereignty) further attempts to peg currencies will flounder.\n \n…\n \nThe new world economy\n \nThe biggest change in the world economy since the early 1970’s is that flows of money have replaced trade in goods as the force that drives exchange rates. as a result of the relentless integration of the world’s financial markets, differences in national economic policies can disturb interest rates (or expectations of future interest rates) only slightly, yet still call forth huge transfers of financial assets from one country to another. These transfers swamp the flow of trade revenues in their effect on the demand and supply for different currencies, and hence in their effect on exchange rates. As telecommunications technology continues to advance, these transactions will be cheaper and faster still. With unco-ordinated economic policies, currencies can get only more volatile.\n \n…\n \nIn all these ways national economic boundaries are slowly dissolving. As the trend continues, the appeal of a currency union across at least the main industrial countries will seem irresistible to everybody except foreign-exchange traders and governments. In the phoenix zone, economic adjustment to shifts in relative prices would happen smoothly and automatically, rather as it does today between different regions within large economies (a brief on pages 74-75 explains how.) The absence of all currency risk would spur trade, investment and employment.\n–\nThe phoenix zone would impose tight constraints on national governments. There would be no such thing, for instance, as a national monetary policy. The world phoenix supply would be fixed by a new central bank, descended perhaps from the IMF. The world inflation rate – and hence, within narrow margins, each national inflation rate- would be in its charge. Each country could use taxes and public spending to offset temporary falls in demand, but it would have to borrow rather than print money to finance its budget deficit. With no recourse to the inflation tax, governments and their creditors would be forced to judge their borrowing and lending plans more carefully than they do today. This means a big loss of economic sovereignty, but the trends that make the phoenix so appealing are taking that sovereignty away in any case. Even in a world of more-or-less floating exchange rates, individual governments have seen their policy independence checked by an unfriendly outside world.\n–\nAs the next century approaches, the natural forces that are pushing the world towards economic integration will offer governments a broad choice. They can go with the flow, or they can build barricades. Preparing the way for the phoenix will mean fewer pretended agreements on policy and more real ones. It will mean allowing and then actively promoting the private-sector use of an international money alongside existing national monies. That would let people vote with their wallets for the eventual move to full currency union. The phoenix would probably start as a cocktail of national currencies, just as the Special Drawing Right is today. In time, though, its value against national currencies would cease to matter, because people would choose it for its convenience and the stability of its purchasing power.\n \n…\n \nThe alternative – to preserve policymaking autonomy- would involve a new proliferation of truly draconian controls on trade and capital flows. This course offers governments a splendid time. They could manage exchange-rate movements, deploy monetary and fiscal policy without inhibition, and tackle the resulting bursts of inflation with prices and incomes polices. It is a growth-crippling prospect. Pencil in the phoenix for around 2018, and welcome it when it comes.",
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2017/07/09 15:01:30
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2017/07/09 14:41:57
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2017/07/09 14:26:00
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2017/07/09 14:20:15
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2017/07/09 14:19:06
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2017/07/09 14:19:03
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2017/07/09 14:15:12
authorchlife
body@@ -1,8 +1,74 @@ +If you find this informative please five me up vote. Thank you%0A%0A%0A%0A Followin
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2017/07/09 14:10:03
authorchlife
bodyFollowing President Trump's earlier comments that his "meeting with Putin was trememndous," the Russian President set an optimistic tone for future US relations, remarking that the Donald Trump seen on television is different from the one in real life, adding that "as for personal relations, I think that they are established." In his 25 minute press conference, Putin carefully touched on all the talking-point 'tape-bomb gotchas' expressing hope for Syria, explaining his views on the Russia-meddling accusations, and cycbersecurity. <iframe width="560" height="315" src="https://www.youtube.com/embed/OE-m3riOBBE" frameborder="0" allowfullscreen></iframe> The Hill reports that Putin reiterated that there is no reason to believe that Russia meddled in the US electoral process in 2016, and made it clear that he feels the president believes him... “He [Trump] asked many questions on that subject. I answered those questions as best I could. I think he took it into consideration and agreed with me, but you should really ask him how he feels about it." After his meeting with the US leader in Hamburg, he felt like relations between the two countries could at least partially be restored. “As for personal relations, I think that they are established,” Putin said of his meeting with Trump.   “I think that if we continue building our relations like during our conversation yesterday, there are grounds to believe that we’ll be able to – at least partially – restore the level of cooperation that we need,” Putin said.
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      "body": "Following President Trump's earlier comments that his \"meeting with Putin was trememndous,\" the Russian President set an optimistic tone for future US relations, remarking that the Donald Trump seen on television is different from the one in real life, adding that \"as for personal relations, I think that they are established.\"\nIn his 25 minute press conference, Putin carefully touched on all the talking-point 'tape-bomb gotchas' expressing hope for Syria, explaining his views on the Russia-meddling accusations, and cycbersecurity.\n\n<iframe width=\"560\" height=\"315\" src=\"https://www.youtube.com/embed/OE-m3riOBBE\" frameborder=\"0\" allowfullscreen></iframe>\n\n\nThe Hill reports that Putin reiterated that there is no reason to believe that Russia meddled in the US electoral process in 2016, and made it clear that he feels the president believes him...\n\n\n“He [Trump] asked many questions on that subject. I answered those questions as best I could. I think he took it into consideration and agreed with me, but you should really ask him how he feels about it.\"\nAfter his meeting with the US leader in Hamburg, he felt like relations between the two countries could at least partially be restored.\n\n\n“As for personal relations, I think that they are established,” Putin said of his meeting with Trump.\n \n“I think that if we continue building our relations like during our conversation yesterday, there are grounds to believe that we’ll be able to – at least partially – restore the level of cooperation that we need,” Putin said.",
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2017/07/09 14:04:30
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2017/07/09 14:03:42
authorchlife
bodyIf you find this informative please five me up vote. Thank you Amid a growing 'swarm' of over earthquakes (now over 1000), and Montana's largest quake ever, scientists are growing increasingly concerned that the so-called 'super-volcano' at the heart of Yellowstone National Park could be building towards a Category 7 eruption. So what is a 'super-volcano' and what does its explosion mean for life on earth? NatGeo explains... <iframe width="560" height="315" src="https://www.youtube.com/embed/3c2UxRF9qyw" frameborder="0" allowfullscreen></iframe> Think of Yellowstone as a gigantic pressure cooker, fueled by a massive supervolcano. Water from rain and snowmelt, much of it centuries-old, percolates through cracks in the Earth’s crust until heated by molten rock reservoirs deep below. The water then filters upward, eventually finding release in the thousands of geysers, hot springs, and other hydrothermal wonders. ![20170708_NatGeo.jpg](https://steemitimages.com/DQmf41DeLgebq9k8S3Qhz6cyckQqyX8hpguPUVc8w827jfh/20170708_NatGeo.jpg)
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      "body": "If you find this  informative please five me up vote.  Thank you\n\n\n\nAmid a growing 'swarm' of over earthquakes (now over 1000), and Montana's largest quake ever, scientists are growing increasingly concerned that the so-called 'super-volcano' at the heart of Yellowstone National Park could be building towards a Category 7 eruption. So what is a 'super-volcano' and what does its explosion mean for life on earth? NatGeo explains...\n\n\n<iframe width=\"560\" height=\"315\" src=\"https://www.youtube.com/embed/3c2UxRF9qyw\" frameborder=\"0\" allowfullscreen></iframe>\n\nThink of Yellowstone as a gigantic pressure cooker, fueled by a massive supervolcano. Water from rain and snowmelt, much of it centuries-old, percolates through cracks in the Earth’s crust until heated by molten rock reservoirs deep below. The water then filters upward, eventually finding release in the thousands of geysers, hot springs, and other hydrothermal wonders.\n\n\n![20170708_NatGeo.jpg](https://steemitimages.com/DQmf41DeLgebq9k8S3Qhz6cyckQqyX8hpguPUVc8w827jfh/20170708_NatGeo.jpg)",
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2017/07/09 14:01:03
authorchlife
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2017/07/09 13:59:30
authorcheetah
bodyHi! I am a robot. I just upvoted you! I found similar content that readers might be interested in: https://www.yahoo.com/news/u-russian-ceasefire-takes-effect-southwest-syria-090403308.html
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2017/07/09 13:59:24
authorchlife
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2017/07/09 13:57:48
authorchlife
bodyIf you find this informative please give me up vote A U.S.-Russian brokered ceasefire in southwest Syria was holding several hours after it took effect according to Reuters, the latest international attempt to restore peace in the six-year Syrian war. The truce, which took effect across southwest Syria on Sunday at noon Damascus time (09:00 GMT), extends to Syrian government forces and rebel groups in the provinces of Deraa, Quneitra, and Sweida where western-backed rebels control swathes of territory and form a center of the insurgency south of the capital Damascus. ![provinces-of-Daraa-Quneitra-and-Sweida-syria-map-2--e1499509503455%20(1)_0.jpg](https://steemitimages.com/DQmVPdJxVDgHwWSBtK39bxcXCwigRMrHweKDpF1H3GwF1Ao/provinces-of-Daraa-Quneitra-and-Sweida-syria-map-2--e1499509503455%2520(1)_0.jpg) Last week, shortly after the first meeting between Trump and Putin, the United States, Russia and Jordan announced they had reached a ceasefire and "de-escalation agreement" with the aim of paving the way for a robust truce to deliver aid to war-torn areas and end hostilities; it will be enforced by the three countries’ militaries. The Syrian Observatory for Human Rights told Reuters that "calm was prevailing" with no air strikes or clashes in the southwest since the truce began at noon on Sunday. "The situation is relatively calm," said Suhaib al-Ruhail, a spokesman for the Alwiyat al-Furqan rebel group in the Quneitra area. Another rebel official, in Deraa city, said there had been no significant fighting. It was quiet on the main Manshiya front near the border with Jordan, which he said had been the site of some of the heaviest army bombing in recent weeks. A witness in Deraa said he had not seen warplanes in the sky or heard any fighting since noon. Separately, a Syrian official indicated that Damascus approved of the ceasefire deal, describing the government's silence over it as a "sign of satisfaction".
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parent permlinkus
permlinkus-russian-ceasefire-deal-goes-into-effect-in-southwest-syria
titleUS-Russian Ceasefire Deal Goes Into Effect In Southwest Syria
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      "body": "If you find this informative please give me up vote\n\n\nA U.S.-Russian brokered ceasefire in southwest Syria was holding several hours after it took effect according to Reuters, the latest international attempt to restore peace in the six-year Syrian war. The truce, which took effect across southwest Syria on Sunday at noon Damascus time (09:00 GMT), extends to Syrian government forces and rebel groups in the provinces of Deraa, Quneitra, and Sweida where western-backed rebels control swathes of territory and form a center of the insurgency south of the capital Damascus. \n\n![provinces-of-Daraa-Quneitra-and-Sweida-syria-map-2--e1499509503455%20(1)_0.jpg](https://steemitimages.com/DQmVPdJxVDgHwWSBtK39bxcXCwigRMrHweKDpF1H3GwF1Ao/provinces-of-Daraa-Quneitra-and-Sweida-syria-map-2--e1499509503455%2520(1)_0.jpg)\n\nLast week, shortly after the first meeting between Trump and Putin, the United States, Russia and Jordan announced they had reached a ceasefire and \"de-escalation agreement\" with the aim of paving the way for a robust truce to deliver aid to war-torn areas and end hostilities; it will be enforced by the three countries’ militaries.\n\nThe Syrian Observatory for Human Rights told Reuters that \"calm was prevailing\" with no air strikes or clashes in the southwest since the truce began at noon on Sunday. \n\n\n\"The situation is relatively calm,\" said Suhaib al-Ruhail, a spokesman for the Alwiyat al-Furqan rebel group in the Quneitra area. Another rebel official, in Deraa city, said there had been no significant fighting. It was quiet on the main Manshiya front near the border with Jordan, which he said had been the site of some of the heaviest army bombing in recent weeks. A witness in Deraa said he had not seen warplanes in the sky or heard any fighting since noon.\nSeparately, a Syrian official indicated that Damascus approved of the ceasefire deal, describing the government's silence over it as a \"sign of satisfaction\".",
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chlifeupdated their account properties
2017/07/09 08:27:33
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chlifeblockchain operation: transfer to savings
2017/07/09 08:26:51
amount0.058 SBD
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Transaction InfoBlock #13527067/Trx 008757aaaa69e9697953b20542680eefbac768a0
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2017/07/09 08:05:12
authorchlife
permlinklooks-like-a-doll-the-world-of-model
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2017/07/09 08:04:27
authorriseandshine
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2017/07/09 07:58:03
authoryayamonroe
permlinksunset-over-the-sea
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2017/07/09 07:57:00
authorchlife
bodyWoW ![인형보다.jpg](https://steemitimages.com/DQmcPevaVt5SDWui3cL8LU69M4xnkvP2TU9RDD3iML3wMX5/%EC%9D%B8%ED%98%95%EB%B3%B4%EB%8B%A4.jpg) ![인형보다1.jpg](https://steemitimages.com/DQmU5XA1TLvVoycjWBiNcHuWKXwUtVmxRh3pDaenpAbk3dG/%EC%9D%B8%ED%98%95%EB%B3%B4%EB%8B%A41.jpg) ![인형보다2.jpg](https://steemitimages.com/DQmaRspJfecRtBGLVyRDn6VY4RUXWD6kmeuznnkfuTZDJFV/%EC%9D%B8%ED%98%95%EB%B3%B4%EB%8B%A42.jpg)
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parent permlinkmodel
permlinklooks-like-a-doll-the-world-of-model
title"Looks like a doll" the world of model. 인형보다 더 인형 같다..
Transaction InfoBlock #13526470/Trx 210ce133a741e9e16fb148fd68d35f2431ee9b1c
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2017/07/08 16:21:03
authorsteemitboard
bodyCongratulations @chlife! You have completed some achievement on Steemit and have been rewarded with new badge(s) : [![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/votes.png)](http://steemitboard.com/@chlife) Award for the number of upvotes Click on any badge to view your own Board of Honor on SteemitBoard. For more information about SteemitBoard, click [here](https://steemit.com/@steemitboard) If you no longer want to receive notifications, reply to this comment with the word `STOP` > By upvoting this notification, you can help all Steemit users. Learn how [here](https://steemit.com/steemitboard/@steemitboard/http-i-cubeupload-com-7ciqeo-png)!
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2017/07/08 15:52:03
authormaochitse
permlinkhyperledger-gets-active-banking-clients
voterchlife
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2017/07/08 15:51:57
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2017/07/08 15:51:54
authorparklamson04
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2017/07/08 15:51:51
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2017/07/08 15:51:03
authorchlife
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2017/07/08 15:50:57
authorchlife
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2017/07/08 14:18:39
authorchlife
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2017/07/08 13:25:09
authorchlife
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2017/07/08 13:24:30
authorchlife
bodyWe've spent a fair amount of time discussing Canada's housing market over the past several months as Chinese money laundering operations have sprouted up bubbles all over the place. Here's a modest sampling of our recent work: All Hell Breaks Loose In Toronto's House Price Bubble Canada's Housing Bubble Explodes As Its Biggest Alternative Mortgage Lender Crashes Most In History Canada Housing Regulator Warns Of "Strong Evidence Of Housing-Market Problems" The Toronto Housing Market Is About To Collapse By This Measure But, as the Globe and Mail notes today, there could very well be a "perfect storm" brewing in several Canadian housing markets as the result of extreme pricing bubbles, over-indebted consumers, a major tightening of mortgage rules and the prospect of rising rates. On the regulatory front, Canada's Office of the Superintendent of Financial Institutions (OSFI), is considering new rules that would require lenders to effectively "stress-test" borrowers to confirm they would be in compliance with credit metrics even if rates were to rise 200 bps. From a practical standpoint, such a move would immediately remove roughly 20% of the average Canadian's home buying power. Canada’s banking regulator (OSFI) is proposing that anyone who gets a mortgage at a bank or bank-funded lender prove they can afford a rate that is at least 200-basis-points higher than their actual rate. A similar debt-ratio “stress test” is already in place for folks getting a default insured mortgage, as well as most variable-rate and short-term borrowers. If OSFI’s change goes through as planned, otherwise credit-worthy borrowers would qualify for roughly 18 per cent less mortgage, other things equal. This one change would have more of an impact to mortgage shoppers than any Bank of Canada rate hike in history. Of course, with mortgage rates at multi-decade lows, they likely only have one direction to go. Moreover, as rates rise, it will only serve to amplify the impacts of the proposed OSFI regulations noted above. If you believe the Bank of Canada’s hints and bond market probabilities, there’s a real chance we’ll see higher floating rates as soon as next week’s rate meeting, or at its meeting in September. (Albeit, Thursday’s OSFI news could limit the BoC’s rate hike plans.) As for fixed mortgage rates, they’ve already shot up on the back of a 50-basis-point surge in bond yields since June 6. RBC, Canada’s de facto leader in setting mortgage rates, hiked most of its advertised fixed rates by 20 basis points on Thursday morning. Most other lenders have done the same and it may be only the first of multiple moves. ![2017.06.14 - Canada Mortgage Chart_0.jpg](https://steemitimages.com/DQmaCkeEhXsGYzXBnVyT4hWNUBmKZJybaKZEWoNMr3YC8qV/2017.06.14%20-%20Canada%20Mortgage%20Chart_0.jpg) ![2017.06.14 - US Home Prices_0 (1).jpg](https://steemitimages.com/DQmTX7vsm2kXYbCcZRx4wakEkSuyJRW1ATUBMxV7jGhGorm/2017.06.14%20-%20US%20Home%20Prices_0%20(1).jpg)
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permlinkcanadians-brace-for-a-perfect-storm-brewing-in-housing-market
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      "body": "We've spent a fair amount of time discussing Canada's housing market over the past several months as Chinese money laundering operations have sprouted up bubbles all over the place.  Here's a modest sampling of our recent work:\n\nAll Hell Breaks Loose In Toronto's House Price Bubble\nCanada's Housing Bubble Explodes As Its Biggest Alternative Mortgage Lender Crashes Most In History\nCanada Housing Regulator Warns Of \"Strong Evidence Of Housing-Market Problems\"\nThe Toronto Housing Market Is About To Collapse By This Measure\nBut, as the Globe and Mail notes today, there could very well be a \"perfect storm\" brewing in several Canadian housing markets as the result of extreme pricing bubbles, over-indebted consumers, a major tightening of mortgage rules and the prospect of rising rates.\n\nOn the regulatory front, Canada's Office of the Superintendent of Financial Institutions (OSFI), is considering new rules that would require lenders to effectively \"stress-test\" borrowers to confirm they would be in compliance with credit metrics even if rates were to rise 200 bps.  From a practical standpoint, such a move would immediately remove roughly 20% of the average Canadian's home buying power.\n\nCanada’s banking regulator (OSFI) is proposing that anyone who gets a mortgage at a bank or bank-funded lender prove they can afford a rate that is at least 200-basis-points higher than their actual rate.\n \nA similar debt-ratio “stress test” is already in place for folks getting a default insured mortgage, as well as most variable-rate and short-term borrowers.\n \nIf OSFI’s change goes through as planned, otherwise credit-worthy borrowers would qualify for roughly 18 per cent less mortgage, other things equal. This one change would have more of an impact to mortgage shoppers than any Bank of Canada rate hike in history.\n\nOf course, with mortgage rates at multi-decade lows, they likely only have one direction to go.  Moreover, as rates rise, it will only serve to amplify the impacts of the proposed OSFI regulations noted above.\n\nIf you believe the Bank of Canada’s hints and bond market probabilities, there’s a real chance we’ll see higher floating rates as soon as next week’s rate meeting, or at its meeting in September. (Albeit, Thursday’s OSFI news could limit the BoC’s rate hike plans.)\n \nAs for fixed mortgage rates, they’ve already shot up on the back of a 50-basis-point surge in bond yields since June 6. RBC, Canada’s de facto leader in setting mortgage rates, hiked most of its advertised fixed rates by 20 basis points on Thursday morning. Most other lenders have done the same and it may be only the first of multiple moves.\n\n\n![2017.06.14 - Canada Mortgage Chart_0.jpg](https://steemitimages.com/DQmaCkeEhXsGYzXBnVyT4hWNUBmKZJybaKZEWoNMr3YC8qV/2017.06.14%20-%20Canada%20Mortgage%20Chart_0.jpg)\n\n![2017.06.14 - US Home Prices_0 (1).jpg](https://steemitimages.com/DQmTX7vsm2kXYbCcZRx4wakEkSuyJRW1ATUBMxV7jGhGorm/2017.06.14%20-%20US%20Home%20Prices_0%20(1).jpg)",
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2017/07/08 13:18:54
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chlifefollowed @theex
2017/07/08 13:13:06
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2017/07/08 13:12:45
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2017/07/08 13:11:54
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2017/07/08 13:11:54
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2017/07/08 13:10:51
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2017/07/08 13:08:57
authorchlife
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2017/07/08 13:08:27
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2017/07/08 13:08:24
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chlifefollowed @twigg
2017/07/08 13:08:15
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2017/07/08 13:07:12
authorchlife
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permlinkanonymous-believes-nasa-is-poised-to-announce-discovery-of-aliens
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2017/07/08 13:02:03
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2017/07/08 12:58:30
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2017/07/08 12:57:06
authorchlife
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2017/07/08 12:56:54
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2017/07/08 12:56:51
authorchlife
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2017/07/08 12:56:03
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