Tag: housing

Immigrant Experiences: Inspiring Stories Amidst Challenges in Canada

Septermber 21, 2025

Many Canadians believe that the significant influx of immigrants in recent years has contributed to a shortage of housing units and overwhelmed healthcare services in the country. Since 2021, four million people have arrived in Canada, mostly temporary workers, students, but also refugees, economic migrants, and family members of Canadians.

I understand why many Canadians’ views on immigration have turned negative. However, I enjoy interacting with recent immigrants and discussing their reasons, as well as their plans, for coming to Canada. Let me provide some examples.

When I dropped my car off at the garage, a Lyft driver came to take me home. In a cheerful voice, he asked about my day and engaged me in a friendly conversation, inquiring about what I did. Listening to his accent, I asked him where he was from. He told me he came from Somalia eight years ago and now has a family with young children. His ambition is to establish a business here. He is the kind of person we need in Canada; in fact, all countries would benefit from having young and ambitious individuals like him.

When my car was ready, the garage sent another Lyft driver to pick up my car. Not surprisingly, he was also an immigrant, this time from Rwanda. He came to Canada a year ago and proudly drove a brand-new vehicle, which he mentioned he had bought for cash. He was able to do that by working seven days a week, an astounding achievement in my opinion.

I learned from the driver, Olivier, that he preferred Lyft over Uber, where he had previously worked. Although he had a French name, he did not speak French. He explained that Rwanda was a Belgian colony before gaining independence, which is why many people in the country have French names. After completing his university studies, he went to Belgium to pursue a master’s degree. He ended up staying in Europe for five years, living in England and later obtaining a second master’s degree in Poland. I was surprised to hear this and asked him if he spoke Polish. He clarified that the university program he attended was conducted in English.

From our conversation, Olivier appeared to be a loner, with only a high school friend in Ottawa. He confided in me that he is 33 years old, hopes to start a family, but working seven days a week leaves him little time for socializing and meeting potential partners. In addition to his driving job, he also works part-time at night for a Belgian company, another ambitious immigrant who would be welcomed in most countries.

I should also mention the young man from India who came to fertilize my lawn. He was busy working his Weedman route in the neighborhood but took a few minutes to chat with me when I asked how he liked his job. Although fertilizing keeps him occupied during the summer, he mentioned that he needs employment during the winter months. He plans to enter sales with the company, but he finds the challenge of sales to be significant, as he needs to make at least ten sales or identify leads each day. That’s not an easy task these days, especially when people tend to prefer a do-it-yourself approach.

Engaging in conversations with recent immigrants is both inspiring and motivating, and it has led me to reflect on the richness of the immigrant experience —a perspective I hold dear, having been an immigrant myself.

The sense of satisfaction that comes from adapting successfully to a new country is immense. During the phase of acculturation, individuals face challenges that feel overwhelming. I arrived in Canada with no language skills, no material possessions, and a total lack of knowledge of Canadian culture. To adapt to my new country, I grabbed any available jobs to improve my language skills, earn some money, and learn local customs.

In my first job, I carried furs at an auction for furriers, where they bid on various furs. A memorable moment arrived when the furriers tipped me, and I responded by telling them I only did my job and didn’t accept tips. This response earned me some strange looks. It didn’t take long for me to realize that tipping for good service is standard practice in North America, while it was nonexistent in communist countries like Hungary.

Other jobs followed. I washed dishes at a hospital and later traveled with a survey crew, doing machete work and drafting. On my last day with the survey crew, I overheard my team’s plan to pull down my pants and stick me in an anthill. Fortunately, I managed to escape before they could grab me; my language skills had improved to the extent that I could understand whispering.

To further improve my language skills, I accepted a job with a California company selling Collier’s encyclopedia. It involved knocking on doors and presenting the value of having the encyclopedia in the small towns around Vancouver, BC. I did not last long. I appreciated meeting those who welcomed me, but many older attendees, perhaps lonely, saw my presentation as an opportunity to socialize without planning to make a purchase.  

My early job experiences have significantly contributed to the development of my language skills and self-confidence over time, leading me to pursue a university education.

In summary, the sudden increase in immigration overwhelmed healthcare services and contributed to a housing shortage. And it made immigrants less welcome. But talking with recent immigrants is usually uplifting and inspiring. Before forming an opinion on the pros and cons of immigration, I strongly encourage you to engage in conversations with them.

Exploring Point Grey Road: Vancouver’s Luxurious Real Estate

June 2, 2025

Montreal has Westmount, Toronto has Rosedale, Ottawa has Rockcliffe Village, and Vancouver has Point Grey Road. The north side of Point Grey Road features elegant, architecturally designed residences. This location is attractive due to its expansive ocean views, framed by mountains in the background and Stanley Park across English Bay, highlighting the Vancouver skyline to the east.

Talk about privacy from the road!

We walked from my brother’s place in Kitsilano to Point Grey Road to explore the area, where the sidewalks were wide, complemented by attractive street furniture, including benches, light posts, and trash cans. The roadway was also spacious, reserved for walkers, joggers, and commuting cyclists traveling from downtown to the University of British Columbia.

   Point Grey Road sidewalk

I understand that Mike Harcourt, a former mayor of Vancouver, envisioned creating a continuous park on the north side of the street. To achieve this, he purchased available residences. He transformed them into parks that front Point Grey Road, extending to the shoreline to provide stunning views of the ocean and the Vancouver skyline. However, homeowners living along Point Grey Road opposed this initiative, and with rising real estate prices, the project ultimately came to a halt.

View from mini-park, the Vancouver skyline

A stroll along the upscale residences made me wonder who owns these homes. I found some online. One notable resident is Chip Wilson, the founder of Lululemon, a popular athleisure clothing brand. His property was valued at over $82 million in 2024, making it one of the most expensive real estate holdings in Canada. While Wilson has gained significant wealth from his clothing line, he has also stirred controversy with some of his comments.

      Chip Wilson’s place, totally private from the road

He faced accusations of racism for the name “Lululemon,” which features three “l’s.” He said he chose this name because he found it amusing to consider how Japanese people would pronounce it, given that there is no “l” in the Japanese alphabet.

Additionally, he was criticized for being “fatphobic” after suggesting that not all women are suited for his designs. He pointed out that women who do not have a gap between their thighs could cause the fabric to become sheer or translucent, leading to backlash for implying that those women were overweight.

People have also slammed him for stating that he has no issue with children working. He mentioned that his children have worked for his company and argued that there is nothing wrong with this. He was specifically referring to Asia, where much of his clothing line is produced by child labor.

His comment reminded me of children we saw in Myanmar, rolling cigarettes, sitting on the floor with inadequate lighting. When I inquired about why children work, I learned that many would starve without their jobs and that, for some, working is preferable to having nothing to do, especially when they are not attending school.

      An architectural home

Dr. David Suzuki is another fascinating figure who lives on Point Grey Road. He had a long-running, popular show on CBC called “The Nature of Things.” As an environmentalist, he advocates for living in harmony with nature. However, I find it hard to reconcile the idea of living in harmony with nature while owning a multimillion-dollar house on Point Grey Road, especially considering that he also possesses two other properties. Nonetheless, his educational broadcasts have been excellent and have been aired in forty countries.

Still, another homeowner on Point Grey Road was Nelson Skalbania, who took a chance on signing the seventeen-year-old Wayne Gretzky to the Indianapolis Racers hockey team and later on starring withe the Edmonton Oilers. As we know today, Gretzky has become arguably the greatest hockey player in history. The team’s owner, Skalbania, was interested in sports franchises; he bought and sold teams and even purchased the Atlanta Flames before relocating them to Calgary.

Continuing with the hockey theme, Trevor Linden owns a house on Point Grey Road. He played for the Vancouver Canucks and served as team captain and General Manager after his playing career ended.

Strolling along, I took a picture of what I thought was a very attractive house. After searching online, I discovered that it was designed by one of my classmates from the School of Architecture at the University of British Columbia in the 1960s. Paul Merrick was an exceptionally talented designer during our time in architecture school, and he established his firm in Vancouver after graduation. The article I read on this residence did not mention the owner’s name.

Designed by Paul Merrick

Another renovated old house on the south side of Point Grey Road, at number 3148, is known as the “Peace House.” The name originates from its use during the 1960s by peace activists who lived there and protested against the storage of nuclear weapons at the Comox RCAF base. This house also attracted the wandering hippie crowd of the era, known as the Love-In Generation, including notable figures such as Timothy Leary, the Grateful Dead, who even performed a concert there, Baba Ram Dass, and Allen Ginsberg. Recognizing these names indeed reveals my age!

The “Peace House”

These beautiful, high-value homes are designed by architects and surrounded by meticulously maintained landscaped yards. I thought it would be a great experience to visit these homes inside. Would the homeowners be willing to open their houses for viewing?

Understanding Ottawa’s Affordable Housing Crisis

May 15, 2025

Affordable housing is constantly in the news today. My local city councilor emphasizes its importance in his newsletter. However, I am not convinced that our community of aging patriarchs would welcome such housing in our neighborhood; it evokes images of public and low-income housing, often associated with crime.

During the recent federal election in Canada, all political parties proposed ideas for building affordable housing, including financial incentives, reducing and simplifying the administrative approval process for house construction, prefabrication, and even rent control.

I do not know anyone actively seeking such housing. However, some friends have mentioned their children have trouble finding affordable options.

To understand why housing is unaffordable for many people today, I searched the internet for statistics that illustrate the challenges individuals face when renting or buying a home.

In simple terms, your income determines what you can afford. If you earn a minimum wage of $15-18 (provincial rates differ) per hour and work 2,000 hours a year, your annual income would be $30,000-36,000. The Canada Mortgage and Housing Corporation (CMHC) recommends that housing expenses should not exceed 30% of your yearly income.

According to this guideline, someone earning the minimum wage can afford $9,000 to $ 10,800 annually for housing, or approximately $750 to $ 900 per month. However, in Ottawa, rent for a one-bedroom unit starts at around $2,000 per month, which means minimum wage does not support renting. That is why many young people earning minimum wage stay home or bunk up with friends when renting.

Buying a condo or a house is a much more challenging scenario. In 2025, the average condo price in Ottawa is projected to be $445,000, while the average house price is expected to exceed $800,000.

Without a down payment and mortgage rates of 4.5%, the annual cost of owning a condo would amount to $20,000, which is significantly higher than what minimum-wage earners could afford. Purchasing a house would be even more expensive.

An affordability crisis affects individuals earning less than $65,000; according to guidelines, 30% of that amount would be needed to rent or buy a condo. Twenty-six percent of Ottawa jobs pay less than $50,000. This situation highlights the urgency for solutions to the affordability crisis.

One major issue is the gradual loss of low-rent housing due to demolitions to make way for higher-density and more economically profitable commercial and residential developments. Older neighborhoods in Ottawa are particularly susceptible to this redevelopment. Additionally, many low-rent units face renoviction, where tenants are evicted to make way for renovations that will increase rental rates.

According to the Executive Director of the Ottawa Community Land Trust (OCLT), between 2011 and 2021, Ottawa lost 26,000 low-rent units due to demolitions and renovictions; in contrast, only 6,000 new low-rental units were built during that time.

The OCLT’s purpose is to preserve and maintain low-rental units. Their strategy involves purchasing these units when they become available. Acquiring multi-unit buildings requires funding, and the OCLT has issued “community bonds” to raise capital. A bank in Toronto specializes in issuing such bonds backed by funds raised by the OCLT from the local community.

Interestingly, many residents are willing to invest in these bonds, even with a low interest rate or, in some cases, no interest at all, because they believe in the cause. Professional property managers are contracted to manage the rental units on behalf of the OCLT, and the rental income is used to pay off the community bonds.

This approach offers a distinctive and effective means of maintaining and expanding affordable housing. The OCLT’s key strategy involves community bonds, a system gaining traction across Canada.

Another innovative approach for maintaining affordable housing is leasing the land on which the rental units are built. Land costs are a significant factor in the overall expense of constructing housing units. Depending on the location, land costs form 30% or more of total housing construction costs.

Recognizing the importance of land costs in housing, the Centretown Citizens Ottawa Corporation (CCOC) leases land to build affordable housing. This corporation was established in response to the growing number of high-rise developments in the community. The community association leased land to develop affordable housing, thereby preserving the area’s character. Currently, they manage 1,700 housing units.

One example of their work is the land leased from the local school board following a demographic shift that led to the closure of Percy Street School. Public agencies are aware of community needs, and through a nominal lease, the CCOC created a low-rise development that is affordable for individuals with limited income.

A coordinated multi-level strategy is necessary to effectively tackle the ongoing affordable housing crisis. From my limited experience listening to various non-profit organizations attempt to tackle this issue, I have identified two main approaches: subsidizing the cost of housing units or providing financial assistance to help individuals secure accommodation in the private market. The Ottawa Community Land Trust (OCLT) follows the first approach. The CCOC employs subsidized housing and market-based options, catering to those who receive housing subsidies.

Can New Housing Strategies Solve Canada’s Affordable Housing Shortage?

April 26, 2025

With the Canadian federal election only days away, all federal parties have offered plans to tackle the housing shortage and its impact on affordability.

High housing prices, expensive rents, and a shortage of homes are key issues, especially for first-time homebuyers. Unfortunately, there are no simple solutions. The proposals presented by party leaders comprise well-worn ideas that have been around for decades.

While one party wants to double the annual housing construction to 500,000 units, another proposes 3 million units over 5 years—an annual rate of 600,000. According to one study, Canada must construct three million housing units by 2030 to satisfy demand and lower prices. The housing industry has averaged only 250,000 units built annually in recent years.

Canadians’ income levels are tied to affordability. The average salary in Canada is $67,000, while the average home price is $670,000. Salaries can vary based on age, occupation, and other factors, and home prices vary across the country depending on location factors. Historically, housing was affordable when an individual’s income was one-third of the home’s price. Home ownership becomes unattainable for many people today when the home price reaches ten times their annual income.

Despite these challenges, the housing market continues to bubble because of two-income households and help from family members.

We can attribute the current housing crisis to the imbalance between supply and demand. Demand has surged because of a rise in immigration; the government has acknowledged this situation and has implemented measures to reduce the number of immigrants. However, the government has not addressed supply.

The major political parties propose a plethora of ideas to increase supply:

A proposal to establish a new government agency, “Build Canada Homes,” immediately caught my attention. Whoa! I remembered the Ministry of State for Urban Affairs, a government agency established years ago that ran into provincial jurisdiction and was abolished. I worked there and learned the hard way not to interfere with provincial matters. And how long would it take to create a new agency?

One party proposes rent control due to steeply escalating rents, averaging over $2,000. Policymakers in Europe and North America have long discussed and implemented this system. However, it has always resulted in a lack of maintenance and deteriorating buildings. Rent control does not increase the housing supply; it does the opposite, although it benefits long-term rentals. It also leads to “renovictions,” or forcible eviction of people for renovations and the subsequent legal rent increase.

Another proposal is to build “affordable” housing units for homeless individuals, students, low-income families, and indigenous people. When I asked my local councillor to define affordable housing, he could not provide one. Subsidies are necessary to encourage developers to construct units that are not based on market rates.

There are also suggestions for building prefabricated housing, which is less expensive than traditional methods but of lower quality.

Yet another idea is to train more people in the building trades. The shortage of skilled labor is one reason Canada builds only about 250,000 housing units yearly.

People blame the cost and duration of the regulatory process, zoning, and associated standards, such as the building code, for increased costs. There’s a convincing argument for reducing standards to lower expenses, but would Canadians go back to smaller bedrooms and less insulation?

While the proposed solutions have merit, a significant issue remains: Most of these pertain to provincial matters, including planning, zoning, rent control, and building codes, all of which fall under local jurisdictions. Local governments are also responsible for education and training, should a program for skilled trades be established.

Housing inventory can only increase through new land development and the densification of existing urban areas. Since local jurisdictions control these functions, the federal government has limited opportunities to expand the housing stock beyond providing financial resources and taxation strategies, such as reducing the GST for first-time homebuyers (proposals also exist to use vacant federal lands and buildings for “affordable” housing).

Besides the limited availability of land and skilled labor for house construction, the rising cost of materials presents a significant barrier to building affordable housing. This begs the question: Can the federal government regulate the price of construction materials?

Considering the housing problem more broadly revealed added complexities. For example, homelessness is often associated with mental health issues and substance abuse, leading to more complex problems that need specific solutions.

Another complicating factor is that, with low unemployment rates in Canada today, many young people may not see the need to train for skilled trades when they already have jobs. Governments should promote training in skilled trades such as carpentry and plumbing, which offer good pay. Employed people, however, might be reluctant to switch careers.

I’m wary of recycled housing solutions presented as novel ideas. The proposed ideas are not fresh: similar proposals have been made before, and I wonder why these proposals have not been implemented. I believe the emphasis should be on cooperative action at all levels of government and execution rather than just rhetoric.

Exploring Beaufort: A Cyclist’s Paradise in South Carolina

March 24,2025


We drove south to leave the winter of Ottawa, even though we enjoy snowshoeing. Escaping springtime offers a welcome reprieve from the winter’s cold and snow. Despite my pollen allergies (managed by Claritin), late March in the Carolinas offers ideal cycling weather.

Driving south towards Beaufort, South Carolina, I sighed in relief at leaving the crowded, monotonous, and speedy Interstate 95 behind. Driving for hours had numbed my feet, so I hoped for less, slower traffic on Route 21 East. Although slower, the traffic picked up closer to Beaufort on a four-lane highway.


The expansion of military bases (Parris Island and Beaufort), resort construction (Hilton Head Island), and a Northern retiree influx have driven development along South Carolina’s east coast.
We learned from a hotel employee at check-in that Beaufort’s population has almost doubled since the pandemic, nearing 15,000. It is not only retirees but also people working remotely who have arrived to take advantage of lower housing and living costs.

When Kathy stayed here thirty years ago, she stayed in one of the huge antebellum houses on the waterfront, used as a B&B in those days. Today, developers meticulously redeveloped the waterfront, and they restored the antebellum homes along the waterfront to their original designs. The city designated the downtown area a historic district, and we enjoyed a quiet walk admiring the architecture.

Cycling the Spanish Moss Trail from Beaufort to Port Royal was a smooth ride (it follows the old Magnolia rail line). The paved, twelve-foot-wide trail was flat, crossing marshes with many boardwalks and with the temperature in the mid-twenties (in the seventies in Fahrenheit), was ideal for a bike ride. Much of the Trail crossed areas with oak trees from which Spanish moss hung. I assume the source of the name for the Trail. Although the hanging moss is attractive, avoid touching it because it might contain chiggers.

The paved trail was great for riding, but I knew that falling off the bike would be rough, experiencing injury if going at the maximum allowed speed of 15 mph.

We sped through the twelve-mile trail, pausing to talk with people going in the opposite direction. We avoided talking about politics. We did not know how local people would react to talking to us Canadians, in view of Trump’s desire to annex Canada.

I noticed different organizations took responsibility for maintaining sections of the trail, which included benches at viewing sites, including the military that were in abundance in the area.

In less than a couple of hours, we arrived at Port Royal, at the other end of the trail. We were ready for a cup of coffee and found in the center of Port Royal a home converted to a restaurant with a name Corner Perk that offered fancy coffees. Their muffins were so special we couldn’t resist.

Next, we saw a sign for the Cyprus Wetlands rookery, home to hundreds of local birds (egrets, cormorants, bats, herons, etc.), right by the coffee shop. A boardwalk crosses a lake, going by an island with small trees that provide nesting grounds for birds. We noticed many turtles and alligators also slept on the shore of the island.

Returning to Port Royal, we found a small house converted to a restaurant boasting a sign for Griddle and Grits and the menu included grits with shrimp, with chorizo and grits with different ingredients. I like spicy foods and chose chorizo on grits, which turned out to be excellent. Kathy chose she crab soup, which also turned out to be a good choice.

On the return journey, we paused on a bench and were approached by a man who looked like a bear of an angler, who sat down, smoked a cigarette and started a conversation. He wanted to know all about us and then described his entire life story, including where he was born, where his family members were born and all the ailments they each had. I gathered he has been a floater with jobs in many states before settling in Beaufort. We could not resist listening to him; overall, it was an enjoyable social engagement.

We stopped at a Publix grocery store on the way home to pick up dinner. The Spanish Moss Trail is a nice, paved trail, but it was a bit too tame for us. We like longer and wilder trails with fewer refinements.