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The 20 per cent threshold is key because at that point banks can loan money without forcing buyers to get costly mortgage default insurance, under federal rules.Shawn Poynter/The New York TimesSotheby Henderson says the single family home market continues to be a driver of the luxury home market with the minimum threshold of $1 million for top tier beyond anything the federal government will backstop with insurance.In Toronto, Sotheby says $1 million home sales were up 77 per cent in 2016 from 2015 and homes that sold for $4 million plus climbed 96 per cent during the period.is not as dynamic as the Vancouver market was in the first half of 2016, said Henderson, who notes Canada largest city is benefitting from a 15 per cent additional property transfer tax that Vancouver slapped on foreign buyers in August.Vancouver sales for more than $1 million saw a 34 per cent decline in the last last half of 2016 compared to 2015.We see less (family financial support) for high end homes and more for first time and move up homes think Toronto is going to see more of the same 2017 because the underlying dynamics are still the same, said Henderson. Are now seeing the Vancouver market pausing while the Toronto market is bolstered by a lack of supply, interest rates and unemployment that is comparatively low.On the new home construction side, 2016 ended with bang as Canada Mortgage and Housing Corp. Reported Tuesday there were 207,000 starts on a seasonally adjusted annualized basis, well above market expectations of 191,000.Royal Bank of Canada doesn think it will last into next year and is forecasting 180,000 starts for 2017 and a decline in existing home sales of 10 per cent on a national basis.are looking to the housing sector to being a drag on growth compared to six of the last year where it contributed positively to gross domestic product growth, said Josh Nye, an economist with the bank..

Newcastle AC’s Paul Fegan and North Belfast Harriers’ Martin Cox will also finish well up the field. In the ladies race, the ever consistent Janice White (Ballymena Runners) should feature at the head of the pack; if she is on form, Janice may well replicate her impressive win at the Rathlin Run two months ago. Seapark AC duo Karen Waring and Caroline Salters will also be worth watching..

For Max’s first birthday, I slapped a “This Is My House” poster with a photo of Max’s face taped over D Wade’s on our front door. I moved to Miami right when Wade arrived, and I’ve been a die hard Heat fan ever since. There aren’t too many of us. UNFORTUNATELY THE CRIME WASN REPORTED UNTIL THE NEXT DAY, AFTER 24 PAIRS OF LEBRON JAMES SNEAKERS WERE TAKEN. EACH WORTH $150. BUT POLICE ARE STILL HOPEFUL SOMEONE WILL RECOGNIZE THEM.

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