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- Open and honest communication is better communication. All comments in this Blog are of scientists in their own rights. 
- Scientists have freedom of researches and freedom of ideas. Some ideas may be different with your ideas. All is for the purpose of sharing ideas & technology, opening new ideas, improving business efficiency, shifting innovation, making society open & advanced. - Fostering a culture of shared creativity and innovation. - It is not sugar coating, open and honest, a lot of data.

- Innovation is contagious. Mindset is contagious. To build something big, you need surrounding people who are big mindset. Mindset influences very much the way people think, do things, build things: Product, Service, Policy, Company, Business, HR, Operation, Sales & Marketing ... When you assemble a big mindset Team, you will come up with something big, big ideas, big things. To do big things, we need to ignore small things.

 Blog, click here.   About Technology + Life + Story. Over a millions people, all walks of life, view -> Nice to see you. - We update every day.

=> News about Home Sales and Home Price in Toronto Feb, 2019 and 5 biggest Cities in Canada just in. Please check below -> Update February 9, 2019. New Update. Click Here

- Household Millionaires Ranking in the world. Click.

- Keep 1 x a million dollars Home or Buy 3. What Millennial New Trend
(Data smart)
? Click.   (some correction)

Click : Measure Middle Class & Working Class in US & Canada with Europe, Japan and the World -> To measure the Wealth of a Country, you measure the Middle Class, not the Millionaire, Billionaire. To measure the people at bottom of a country, you measure the working class.

- Cost to buy home in 50 US's States in 2018. Click here.  - Salary needed to buy Home in 20 major US Cities. Click here.

- Framework is Modern Enterprise Architecture, like Infrastructure very important. -> Click. Office is built on 400 millions usd Software Framework.

- Web Services
(update) -> Why Framework not only Coding likes Web Service, but also is Web Service, built-in powerful Web Services,
different Coding with Tradition Language like Python, Php, Java, C# .Net, Script, and no built-in Web Services. Self-Create, Re-Invent. -> Why? Benefits? => We don't need few hundreds Developers back & forth. Self-Create, Re-Invent. We just need A Few Men, who know exactly to Architect, Design, Code from scratch, from Front-end to Back-end. NOTE: If your Developers can't answer this then they don't know anything about Framework. -> Look, we build a whole Office on Framework. Take years. What is Re-Invent? - Stuff, Code, Design had been done, tested by New Tool, New Technology. But is done again. Even the most smart, experienced Managers, Developers don't know. -> Because they never up-to-date their skills to New Technology. -> Thus, they spend a lot of time re-design, re-code again. -> Thus Waste Time & Money over Budget. The big Loser is the Business. The Developers can always move to the next Job.

- Office in General -> Click |  | System Requirement: Office Work all Devices: 1 or many of : Laptop, Tablet, iPhone, Samsung. And Pos Printer. Done!. No extra complex software, hardware.

For example
: the simplest use Office is: Use Office on 1 x iPhone ( or 1 x Galaxy Phone) Take Order + Used as Pos for Take Payment at Counter or carry Mobile Phone around Store Take Order + Take Payment. Or put Office in pocket carry Onsite at Customer Location for Take Order + Take Payment. -> No fix big stand Terminal Pos, no PC pos can't carry around. That's why Office is also called: The smallest Mobile Pos, Take Order. No carry Paper Bill.

- 3 Steps to Setup Product Catalog. Started from scratch. Then Place First Order successfully. Click here.

- Office for Other Business, Nails & Salon, Retails. 3 Steps. Click here

A whole Big Stand System Take Payment but Can't Take Order & Carry = Office Mobile Phone Take Order + Take Payment

- Office for Restaurant  Usage: 2 Steps. Click here. Include Online Order + Mobile Order (like Star Bucks) + Self-Order (self-order in store same steps, just like customer self-order online, self-order mobile. Not difficult.) + Data Management, and POS (point of sales). | NOTE: Why let the middle man control delivery cost your business 30% / delivery. And your customer pay extra Tip for middle man, and slow. Because they delivery for many business customers, not just your customers. Waste Time & Money + No profit + Delivery Cost 30%, Tip 15% & Slow + Customer complaining. And still no Mobile Order. Customers Star Bucks Mobile Order all the time. ? -> Office can help!

Office Price: (New Pricing) Unlimited Licences. No subscription monthly. You pay 6 install payment. Done!
Use Other System, 5 staff use 5 Tablets. Cost Business: 129 $  / mo subscription + 5 licences x 40$ / mo = 330 $ usd / mo = 3960 $  usd / year -> Repeat year after year. Price in USD.

Office Unlimited Licences: 100 customers in stores use Office on their iPhone, Samsung Phone for Self Order + 5 Staffs use Office Take Orders -> Cost $0.0 for licences.

Office Free Monthly Subscription -> Technology Innovation helps reduce cost. Business has a lot of bills to pay every month.
Almost 99% Internet Companies charge Monthly Subscription. Customers paid every month and every year as their Business Model. But Office Model FREE Monthly Subscription, only 6 Install Payments. Done. No more payments every month and repeat every year. WHY? - Because Office is built on powerful Software Framework, New Technology (See Framework Infrastructure. All is about Infrastructure) -> Which makes Office software more efficient, fast, run with less Resources. -> Thus reduced cost, less Hosting Cost for Server, Network Resources. -> This Affordable Price helps bring
Office to Global, where their Businesses can't afford 129$ usd / month. Too much, even for Businesses in North American, US & Canada.
While other Internet Company
built their software used 20 years old Old Technology, required very costly Hosting Platform Server & Network. Not efficient. High Cost Hosting Fee, Server, Network Resources -> Charge high Monthly Subscription Fee. An Internet Company 6000 customers, but they build a costly Hosting Platform cost them tens of thousands / month plus IT people maintain.

Other Internet Company builds a big platform shared host thousands of customers, like a big Building each customer has its own condos. Can't customize each customer. Cost a lot of money to maintain big Building. You can't ask landlord add on new room, new features, customize screens, for your apartment. A lot software features, 70% you never use, only 30% feature are useful. If want customize your own business, you must buy Account Plus (+), which cost a lot of money, only for Big Business.
A customer said
: - I just need extra few features useful for my business. I pay extra fee. But they can't make it for me.

We build & architect Office each customer has separate Host, like its own Home, easy Customization of Office software for each customer.

Price Advantage: Why China always trade big surplus. Although US, people around the world, Like It or Not their Product, specially American. Why big companies always cut cost, reduce Price to compete. In a Globalization Trade Products & Services between Nations, Nationality became irrelevant. Company provides Products and Services for all kinds of Customers.

- Home Value affected by Inflation just like other things. Whatever we have, car, cash, cloths, TV ... will lost value naturally by Inflation the Time Machine, in the long run. Only Home increases values, protects us from Inflation. In 90s, Big Mac was around 2.0$, 1-Bed Room around $600. Today Big Mac 6.0$, 1-Bed Room around $1700. around 3x times higher. Home like Big Mac, Rent, up naturally by Inflation. Rent up -> Home Price Up -> Don't expect Home Value (Price) decreases value in the long run. Just like other G7 countries, Canada does very best in keeping Inflation under 2%, much better than others countries in the world, G20, developed and under-developed countries. No country can avoid Inflation, but only control it. Interest Rate is a tool used by Central Bank (Bank of Government) to control Inflation.

- Quick Data Analyst in 32 years, from 1986 -> 1998, Home Value increased from Ave 138,000$ -> 216,000$ = 1.56x or 156%. From 1999 -> 2010, Home Value increased from Ave 229,000 $ -> 432,000$, an increase 1.9x or 190%. From 2010 -> 2018, Home Value increase from Ave 432,000$ -> 800,000$, an increase of 1.85x or 185%. During 32 years, there were 3 Stock Market crashed: Black Monday Oct 1987, Internet .Dot Com bubble in March 2000, Financial Crisis in August, 2008. And Few Housing Coolings, few Economy Recession ... No problems, Toronto Housing goes strong. A person remembers:-  Mortgage Rate very high during 90s in 6.0% -> 8%. Media, News, People talked about Housing went down, very scary. Nobody wanted Home but Rent in 90s. He recalled. -> A lot people were waiting for Interest Rate Down, like now 2018. But nothing no problem happened even such very high Interest Rate.-> Home was flat, then increased 180% near double in 10 years from 1990s -> mid 2000s from 200 thousands something -> 400 thousands something. They missed chances Buy Home in 90s. Right now 2019, Interest Rate 1.75%, expected not changed for a while. Interest Rate in 90s 3x higher than now.

Whatever crisis, Home Value still increased in the past 32 years. If you bought a Home in Toronto jump-in at any time in the last 32 years, you will have Good Return around 1.5x or 150% after bought Home in 10 years. Data said so, no mouth, tongue. Right now Interest Rate is still cheap at 1.75% stay for a while, no more increase by BoC. People were talking about the Hype of Toronto Housing since 1990s. Now, in 2019 we still talk about Housing Hype -> Already Hype 30 years ago. Inflation has contributed to some higher Home Price. -> Just recently 2017 when Toronto Housing Cooling, a lot of News predicted Housing Bubble, the Bear came out scare people away. But only minor correction then back to normal. -> The Bear is always waiting for some bad news to come out.

Author: There are tens of thousands Home Owners in Toronto, GTA working hard for their home. What ever happens to Toronto Housing Market, like Home Price goes Down, Downtown Toronto would be the most affected areas in double loses compared to other areas. For example, most recent cooling in Toronto Housing, Homes in Downtown lost from $200,000 -> $250,000 compared to the rest areas in Toronto & GTA around $80,000 -> $100,000. The Author is just a messenger. If you buy home in Toronto 5 years ago in 2013, you would have $312,500 in 5 years. See Data in this Blog. This money will take 30 years to save. => Few my friends who are " Millionaire Professors ", who bought Home in Toronto 20 years ago. They said after paid for Income Tax, Rent, Car, Vacation, all Living Expensive by their own Standard... They manage to save $150,000 / 10 years.=> That said, even Millionaire Professors have Good Salary would take them 20 years of working to save such money. While Buy Home would take only 5 years. Salary big or small, make ends meet helps you pay Living Expensive. Home helps your Wealth, Net Worth grow. - Do you save $100,000 after working 10 years?

The Author said:- Few my friends "millionaire Professors"  who had Home 20 years ago. He implies that "Millionaire Professors" not because they have good salary, but because they bough Home in Toronto 20 years ago. Which made them millionaire. Still take them at least 20 years. Not easy. -> The Author doesn't say he is millionaire nor millionaire Professor. As a Canadian, he still makes ends meet, still has Debt like every one. There are tens of thousands of People own homes in Toronto. He is messenger to send good message Buy Home if you want to grow Wealth. If you can't Buy Home, or missed Home Run -> OK, accept it. Saving for Next time. -> Follow this Blog. We will make sense using Data.

As scientist, we use Data no biases, exaggeration. Some people have no background in Data Science. They often used mouth & tongue, easier, faster fire direct from mouth & tongue than from brain and research. Because you need to Do Research in order to Get Data, take time. Recommend reading Build & Implement Database System & Data Management at left side of this website. CANDO = Collect Data, Analyze Data, Normalize Data, Design Data, Organize Data.

Update: February 9, 2019 - Still continue update until end of month

- As usual, we report Toronto Home Sales & Home Price Report  for last month January, 2019. A beginning new year 2019.

- Toronto Ave Home Sales Up 0.6%
compared to Jan, 2018 last year. Up 3.4% compared to last month Dec, 2018.
- Toronto Ave Home Price
in Toronto (416) = $777,674 compared last year Jan,2018 = $767,364 . In GTA (905), Ave = $748,328, compared Jan, 2018 = $735,874, Up 1.7%.
- In Toronto (416 area phone), Condos Price
up 8.8% = $591,444, Town home up 12% = $797,528,  Semi-Detached up 6.1%. Detached Home Price fell -8.8%. Both Detached, Semi-Detached Home Ave still in million dollars Home. People are looking for affordable property, cheaper than Detached. => Affordable issues & Stress Test drive Detached Home Price down.

NOTE: As scientists, we use Data regardless Data good or bad, Like It or Not. We feel for Home Owners who have Detached Home, while all other types of Properties Up. Regardless where you came from, where you live, you must put yourselves and wear their shoes to feel how they feel.
While a lot people, complaining Home Price not affordable, are glad. Good time jump in. If you can't then you never can. Home not Affordable? -> Home Price has dropped a lot from its peak. What Price will satisfy and make every one happy? - Can't satisfy every one no matter Price dropped. -> All forecast for 2019 Toronto Housing, all types of Properties will be better, higher sales, moderate Price grow.

NOTE: This Ave Home Price including all types of Properties: Detached & Semi-Detached Home, Town home, Condos. Detached Home still most expensive Home, but high Property Tax (2x more than Semi - Detached around $500 -> $700 / mo, while Semi: around 199$ -> 349$ / month ), then Semi-detached, Town home, Condos. Home Price high is not big or small home, but all above Location, Renovation -> 50K Renovation could return 80K extra values.

In Toronto, Home Detached down -8.8%, Semi-Detached up 6.1% compared to last years -> The Price Gap difference between Detached and Semi Detached closer. Translate in real price, Detached down -8.8% around -$108,000, Semi up 6.1% around +$62,000. Both Detached, Semi-Detached Home Average still in million dollars Home.
The Ave Home Price
= $777,674 is for all types of Properties including: Home, Town home, Condos.
As we said,
for fair calculation frequency distribution the right way, Real state used Average all Properties for a whole City. -> You don't pick-up Home Price in millions at few expensive areas then used it as Home Price for a whole City. It is exaggeration. For example, New York City, Ave Home around $400,000 from Business Insider, while Downtown New York, Home Price in millions dollars.

Forecast Toronto Housing for 2019 All forecast for 2019 Toronto Housing, all types of Properties will be improving, higher Home Sales, moderate Home Price grow. It could return to its peak in 2017 after 2 years cooling.
Home Buyers are adjusting to Stress Test, other rules. Good time Buy Home now, while Interest still at historic low. If you sit and wait for Supply side, more home builders build more Affordable Housing, could take a lot of time, at least 5 - 10 years.  And tens of thousands more new Homes, still a small amount will not satisfy the Demand for home. President of Toronto Real estate Board said: " It is encouraging to see the slight increase in January transactions on a year-over-year basis, even with the inclement weather experienced in the GTA region during the last week of the month. The fact that the number of transactions edged upwards is in line with TREB's forecast for higher sales in calendar year 2019."

Is it Home in Toronto expensive? Who driven? -> Home like car. Depend on who you talk affordable. For Middle Class Toronto, it is not.
Different with Vancouver Film, TV production, Tourism Industry, Toronto is a biggest City of Canada, and #3 in North America, where the Center of Financial Hub, the Banks, Stock Exchange, Manufacture Hubs of Canada are in Toronto. It is 9.5 millions, 15 times population bigger, 15 times x more homes, richer than Vancouver 630,000 population. We see and proven, a lot Toronto Middle Class just get started life 20 some years in Middle Class, became Millionaire or approximately Millionaire. We also see Middle Class Toronto, just 5 years, has increased their Wealth add-on $300,000.
On average, a Middle Class Toronto can afford 3 x Homes.
They are much better position, better more Capital Buy Home. Because:
1) Stress Test doesn't apply for people already bought home before 2018 unless they transfer their mortgage to a different lenders or Banks. Start application over again. But some Banks don't care. They get approved easily. Because they already bought Home before 2018. Stress Test apply for people Buy Home after 2018.
2) To Buy Home in Toronto, all you need is a Toronto Middle Class Home Owner co-sign used their Home as collateral. -> Then much better chances pass Stress Test, be approved fast. OK.
3) Middle Class Home Owner bought Home before 2018, don't need pass Stress Test to Buy second Home
4)  Middle Class Home Owner Toronto has better position than Foreign Buyer, because they are Canadian, Own Home. Official Gov's Data from Stat Can that less than 7% Foreigners own Home in Toronto, not Landed Immigrants. Of course there are rich Landed Immigrants Buy Home, they are not foreigners. Data shows around 25% Landed Immigrants Buy Home. Landed Immigrants also have hard time Buy Home. Although have money, but they need find Job, get Income.
5) Canada has 4.8% of Middle Class Home Owner Millionaires 2nd after US 7.1%, more Millionaires than
Japan 2.7%, German 3.2%, Singapore 4%. Most of them live in biggest City Toronto.

Ave Home Price in Toronto
$800,000, while Ave Home Price in New York $400,000
. As we said,
in any country, most rich, millionaire Middle Class created and live in the biggest City, not in the Capital, same as in Canada. Home Price Toronto is driven by rich Toronto Middle Class. As we said: - Where you live can make a big difference, an investment for life, for generation -> A lot immigrants don't live in Canada for long. They don't understand Canada, Location, Demographics. The advice for Migrants, Immigrants:- Choose the biggest City in a country, and you settle there for Generation if you want your children good future. Because the biggest City is an icon, a drive of Economy for that country, never fail. If it fails the country fails. If it becomes poor the country becomes poor. If it gets sneezed, a whole country gets flu.

*** Important News ***
1) Toronto Home Price in 2019 could return near its peak 2017. Very important. In Toronto Housing Price will increase to around
$820,000 near its peak 2017 = 822.587$.

2) Stress Test makes Home Buyers, specially
Millennial, Low income harder qualify. Realtors Association, Home Buyers say: "should re-think Stress Test" (mortgage rule) according to Globe and Mail, Financial Post ...

3) Toronto is experiencing very heavy winter storm, snow haven't seen in many decades in December, January, February month. Thus have huge impact in Buy/ Sell homes. Roads, streets have full of snow at least 15 cm, ice slippery ...
This is a good time Buy Home when people go away, not hot like Spring.

4) Will post more later ... Including Ave Home Price in 5 biggest Cities in Canada:
Vancouver, Calgary, Kitchener, Montreal, Ottawa.

A Scientist and Professor said:
- Stress Test is a tool from the Bank to make sure Home Buyer can afford Home, pay mortgage when interest up. Stress Test drives Home Sales low because harder Buy Home from Demand Side perspective. -> Home Price under control, will not jump too much. However, from Supply side perspective -> Home Supply very tight, less Home Builder, less people sell their Home -> Home Price still and will be higher, but not so high, so hot like before. In 2017, Home Price jumped 33% driven by both Demand & Supply. This is too much. In 2019, Home Price is driven by Supply Side only. Home Sales still low Demand, less Buyers satisfy by Stress Test. But Home Price instead 33% jump, Home Price will jump around 4% -> 7%. Given ave Home Price $800,000, this translates returns each year Ave = $50,000. -> Thus in next 5 years, Home could return $250,000. As you see, in last 5 years from 2013 -> 2018, Home return $310,000.  => Thus, today you spend 160,000$ Buy Home. Ave Home in Toronto = $800,000 -> In next 5 years, you not only Get back all money, but also see a return profit = $100,000. If you are afraid, sit & wait Home price Down -> You will loss chance Buy Home. Now is Good Time when Interest Rate still low and not rising. Don't sit & wait & sorry. -> Now we understand, not just Demand pushing Home Price higher, but also tight Supply also pushing Home Price higher in moderate way.

Data Intelligence tells us that Consumer Spending in Trillions of dollars, is the main driver, creates of 65% GDP and Economy, create 2/3 jobs, more than Government Spending + Business Spending & Investment + Net ( Export - Import) combined. Even the big Energy Sector Oils & Gas Canada contributes around 165 Billions dollars, under 10% of GDP. The Middle Class is the main driven force, main Actor of Consumer Spending. Home Value has added multi trillions of dollars more to Middle Class (= Across Canada, Millions of Home x Hundreds of Thousands dollars add on value to each Home.). This multi-trillions dollars Home Wealth spreads thru the Economy, contributes to all kinds of Taxes, Property Tax, Income Tax, Sales Tax, Home Tax, other Taxes, creates jobs, spreads thru Community, thru next Generation. Home Value creates millionaire approximately 5% population, only 2nd after US = 7.1% population, in Japan = 2.7%. Just 5 years ago in 2013, Millionaire population in Canada around 3%. After 5 years in 2018, Millionaire population increases to 5%.

Buy Home less than 12 years, after 2016 still Bank's Home, because ownership less than 50% -> Buy Home doesn't mean Own Home, different with Own Home.
- Every one with small deposit can Buy Home easily. Buy Home only just get started at the bottom mountain. All is about Home Ownership.
How long Buy Home?
- Own Home take at least 20 years, work hard, climb to Top mountain very difficult.
-> In US & Canada (before Jan, 2018) you can Buy Home 5% Deposit. Ave Home $800,000, can Buy Home $40,000 Deposit. Take a long time on Top. Pay alot Interest, very high mortgage payment / mo, high debt, very risky -> Better not Buy Home with small Deposit, at least 20%.

Update: Jan, 2019 - As usual, Toronto Home Sales & Home Price Report already out in Jan 4, 2019 for last month Dec, 2018.

- Home Sales Down 16% in 10 years low since 2008
. Fewer Houses listed. Less people sell their Home.
Home Sales usually Down in snow winter months because less people Buy Home, Move in, See Home in winter snow.

- The Toronto and Greater Areas around Toronto, Average Home Price (include all properties — detached, semi-detached, townhouse and condominiums) for month Dec 2018 — fell 4.3% to $787,300. Price growth was strongest for less expensive home types as many homebuyers sought more affordable home ownership options. Semi-Detached up +4%. Detached-Home fell -8%. The Average Home of Semi-Detached, Detached Home in Toronto for a whole years 2018 annually is both above 1 million dollars. Detached-Home 2018 fell -8% in month Dec.
NOTE: You watch Stock ups/down every minute. But
Home Data is different. You watch Home Data monthly, only 12 times / years, ups/ downs but the most significant Home Data is yearly Home Data for a whole year.

- Important News:

1) The reason Home Sales Down because:
Worry Higher Interest slowly going up. Thus higher Borrowing Cost to buy home. Few days ago, BoC keeps same Interest Rate at 1.75% for a while. See Good News below at 6).
Stress Test by the Banks that lend Mortgage Loan.
C) Winter months season, cold, snow. No body wants to Open House, Move in/out homes, See Homes in winter, cold, snow. Buy a Home takes weeks, drive around see homes.

About Stress Test: - Started in Jan, 2018, Stress Test increases 2% higher current Interest, around 20% of higher requirement for higher Income and loan to borrow. For example: If your Salary 50K, you may need 20% higher 50K Salary = 60K. Or before you qualify for 1 million dollars Loan, now with Stress Test, you only qualify for $800,000 Loan. The Goal of Stress Test: It makes sure you can afford to pay Home Mortgage & Bills, when Interest goes Up. But others complain that Low Income people hardly Buy Home like before. Stress Test also makes it harder for people Buy Home as Speculators, who Buy Home with Small Deposit longer Own Home & Buy & Sell make profit, not Buy A Home to Live. For Home Speculators, who are lucky Buy Home before Jan, 2018, a lot of profit. Now Game is over for new Home Speculators stated in Jan, 2018.
Stress Test
= No Easy Buy Home like before.
Only affect people Buy Home after Jan, 2018. People Buy Home before 2018, no affect by Stress Test. So Stress Test make sure
when Home Price Up, people  make profit. Everything is OK. But when Price goes down OR when Interest goes Up -> People Speculators low small Deposit, and People who used to be less qualify for mortgage, will be the first vulnerable on the frontier to abandon their Home -> Thus cause Home Bubble, could crash Home Market like 2008 Financial Crisis. However, Stress Test reduce a lot Home Buyers -> Drive less Demand. Home Sales down. But since very tight in Home Supply -> Home Price is steady, or a small decrease, or moderate increase. Don't expect a big drop in Home Price because of Stress Test. The Bank is Investor, share Home Ownership with you. They need to protect their Losses as well.


2) The Average Home Price of Semi-detach & Detached Home in Toronto for a whole Calendar Year 2018, Sum & Ave all monthly ups/ downs, both over 1 millions. The $787,300 is the Ave for all Types of Property.

- Average Home Price for a whole Year 2018, annually in Toronto=
$835,422, in 2017 Ave Price = $ 834,205. - In GTA Ave Price 2018 = $757,086, in 2017 Ave = $815,386.
- Average Home Price in 2016 annually =
$729,000. - Ave Home Price in 2015 = $622,000. - Ave Home Price in 2014 = $567,000.
Aver Home Price in 2013 = $523,000.
- Although there is monthly ups/ downs, not important, because Home not Stock watch every day. But over all, Ave Home Price in Toronto seems increase $80,000 year after year from 2015 to 2018. Thus if you Buy Home in Toronto from 2013 -> 2018, you are guaranteed No lose year after year. In 5 years, your return profit = $312,500.

3) Like Stock, Home Price always ups, downs every month. During winter months, cold, snow, less people line up Buy Home, less hot than Spring -> Summer months. Thus Home Sales, Home Price a little bit down is common. =>
Take advantage winter to Buy Home when Home is slow both Home Sales and Home Price.

4) New listings receded noticeably in 2018. In many neighbourhoods, despite fewer sales, some buyers still struggled to find a home meeting their needs.
Less people sell their Homes -> Very tight in Supply. Home Buyers have hard time to find home, while Rent increase. Which helps Home Price steady even Home Sales down.

Rent Affordable in 2019 with 11% increase. - Rent Affordable affects the average marginalized people most. While House Affordable affects the middle income, who can afford Buy Home in Toronto, pass Stress Test, want Home Price goes down. -> In Toronto Rent will increase 11% significantly in 2019 by Supply / Demand. Which means more people less Qualify for Home, they have no choice but RENT. -> Push Rent higher. -> Thus more people will Buy Home because no reason to RENT when RENT seems as high as Home. -> Push Home Price higher.

6) No raising Interest, stay at same 1.75% may be for a while. - On Jan 9, 2019, BoC (Bank of Canada) announced not raising Interest Rate for a while, because Global Economy uncertainty. Canada Economy slower pace than expected in 2019. GDP projected only 1.7% instead of 2.1%.
Next BoC announces in March, 2019. Right now Interest Rate still low at 1.75% compared to in 90s 3x time higher. Good time to Buy Home.
: Canada Interest Rate depends on factors like: 1) Oil Market & Oil Price 2) Global Trade. Economy 3) Housing Market.
=> During high interest rate 1990 -> 1999, 3, 4 x times higher compared now 1.75%, Toronto Home Price did not go down, but ups/ downs small %, +/- 5%, or flat. Which means historically, even Interest Rate goes up to 5%, Home Price will not drop, but Up/ Down small %, less than 5%, or Flat.

Forecast 2019: Canada Economy will grow at slower pace than 2018. Could be recession in late 2019 into 2020, because the Cycle of Booming Economy  from 10 years -> 12 years may come to end -> Stock Market big correction. -> After 5 raises from mid-2017 to end of 2018, Interest Rate will not higher, remain flat: 1.75% for a while, until end of 2019. -> Thus, will not affect Home Price a lot. -> Thus good time Buy Home. Don't wait, expect Home Price lower.
Historically, Data said
: High Interest Rate didn't make Home Price down significantly, but made Home Price Ups/ Downs small %, or Flat.
Usually, Interest Rate will not rise if the Economy slow in order to stimulus Economy, and Consumer Spending.

Consumer Spending: In trillions of dollars -> Which contributes
65% of GDP (Not Export then minus -Import, not Government Spending, not Business Spending & Investment). Because millions of people every day ** spend money **,  go shopping, pay mortgage, pay bills, eat at restaurants, buy Products & Services from small businesses ... -> Which helps create jobs, specially from small businesses create most jobs.
Since 2/3 of Economy, 2/3 of Job Creation, 2/3 of GDP created by Consumer Spending in trillions of dollars, more than Government Spending, Business Spending combined. The Middle Class is the leading force, main Actor in Consumer Spending.
=> Click and See:
Measure Middle Class & Working Class in US & Canada with Europe, Japan and the World
-> To measure the Wealth of a Country, you measure the Middle Class, not the Millionaire, Billionaire. To measure the people at bottom of a country, you measure the working class, the minimum wage.

-> We will continue update Data, and other Important News. See just Update below this Blog:
Why Not Good Ideas Buy Multi Homes.

NOTE: On Average, Canada receives 300,000 Immigrants ever year. In 2018, 177,500 are Rich, Economic Immigrants of 300,000, or 60% are Rich, Economic Immigrants every year. This number continues increasing to 200,000 Rich, Economic Immigrants in 2020. There are around 100,000 immigrants or 33% - 40% come to live in Toronto every year. Canada has lowest population 36.9 millions in G7 Industrialized countries, like UK 66 millions, Japan 127 millions, German 82.2 millions, US 327 millions, France 65 millions... Thus ave immigrants 300,000 / year still not much, will take 10 years to increase Canada Population to 40 millions, still very low. => Thus less Consumer Spending, since Consumer Spending contributed 65% GDP of most Industrialized Countries -> Less Products & Services produced, more Seniors retired. As a result, less Comparative.

Ave Home Price 5 biggest Cities Canada in Dec, 2018: - Montreal, 2rd biggest City Canada after Toronto & GTA, 1.75 millions population, Ave Home Price = $350,000, Vancouver, 603,000 population, ave Home Price = $1,046,000, Town home = $837,600, Condos = $687,000
( Recently Price drop, reduce gap between Toronto & Vancouver. ), Calgary, 1.26 millions population, Oil Producers = $422,000, Ottawa, 884,000 population, Capital = $413,500, Kitchener- Waterloo, 234,000 population, Hi-tech, Start-up, Head Office of Black Berry, Nortel, Ave Home = $429,000.
NOTE: Some people said Smart Phone first came from, invented by Research In Motion (RIM) in Kitchener-Waterloo. Now is Black Berry. Just only 10 years ago, 2008, RIM smart phone Black Berry had 90% of market, millions of customers, valued more than 100 Billions in 2008 before Financial Crisis crash. First Black Berry device came out in 1999. First Black Berry smartphone came out in 2002. First iPhone came out June, 29, 2007. First Samsung smartphone came out June, 2010. Just only 10 years ago, Black Berry is the #1 Smart Phone Maker. No iPhone, no Samsung Smart Phone. Today, BlackBerry specialized in making Enterprise Software.

Toronto & GTA biggest City in Canada, and 2nd after New York City. Like any countries in the world, the Rich Upper Class, the Middle Class live in big City. => Toronto, GTA is where the most rich Upper Class, the House Holds Millionaires, the Middle Class of Canada are living. Toronto and Vancouver has Ave Home Price million dollars. But Toronto including GTA = Bigger 15 times x Vancouver.
The Difference between Toronto and Vancouver. Vancouver, good Tourism, TV, Film Productions,
603,000 population. But Toronto, biggest city of Canada, is the Financial Hub of Canada, Banks, S&P, TSX Stock Exchange, Financial Center, Manufactory Hub of Canada, produce 65% of all Goods of whole Canada, large Population 9.5 millions.

Where you live Make Big Difference. Which means choose a right place to Live, like in big City, will add on 1/2 millions dollars or more. Just follow simple life. No complicated Investment Portfolio.
Case Study,
John choose to live in Toronto, and Tran choose to live in Montreal. Both Started life $0.0, Work very hard. Do same Job. Buy a Home, a Car. Simple Life Style. No other Investment.
After 20 years, John lives in Toronto add on his Net worth = $1.030,000, more than 1/2 millions dollars richer than Tran in Montreal, her Net worth = $350,000.
-> Looking at Data, we see even the return is more than 1 millions dollars because Choose A Right Place to Live. In Toronto, 20 years ago, Semi-Detached Home around $260,000, Detached Homes in Toronto around $310,000. Today Semi-Detached 1.1 millions -> 1.2 millions dollars, Detached Home 1.3 millions -> 1.35 millions dollars. While 20 years ago, in Montréal Ave Home = $200,000, today $350,000. All is about Data. In this Case Study, we use data of a male and female for Gender Equality.

=> What we learn is that John
& Tran Making Decision for A Place to Live. Both are same working very hard 20 years, but Return On Investment different 1/2 millions dollars. Tran
said:- Move out of Toronto, noisy. Don't Like It. -> Tran is Making Decision based on Irrational Emotion. John based on Choices. As a result, Game Payoffs big difference = 1/2 millions. A big loss Time & Money for Tran. Time = 20 years working hard. Money = 1/2 millions dollars loss, because Tran does not Choose Right Place. She could maybe deserve: 1/2 millions -> Even 1 millions dollars.
sing Data, Scientist proves that Making Decision for a Place to Live
is very important. John chose to Live in Toronto -> Work hard, save money -> Buy a Home to Live. John said: - Live simple life. Save money for a Home. No Gamble, no Smoke, no Drink, no expensive Car, no expensive Travel (most spending). People miss opportunity to Have a Home, because their spending. For Investor, buy a cheap Property at a Place that is no good return Time & Money, is not worth waiting for.

=> The Average of Semi-detached, Detached Home although ups/ down monthly, both still over
1 million dollars for a whole year 2018. People still prefer Semi-detached Home because affordable. For this month,
Semi-Detached up +4%. Detached-Home fell -8%. Less people sell homes.

In Toronto Real Estate use Average = Home Price of all Properties in across City for fair frequency of Distribution, avoid pick-up few expensive houses at some rich areas in order to represent as Home Price for a whole City. It is cheating. For example, they don't use Home Price in a particular rich area, like many areas in Toronto, where Home Price from 1.3 millions -> 2 millions to represent as Home Price of a City.

=> Over all, Ave Home Price in Toronto seems increase
$80,000 year after year from 2013 -> 2018. Thus if you Buy Home in Toronto from 2013 -> 2018, you are guaranteed No lose year after year.  Average Toronto Home Price a whole year 2018 = $835,422 ( not $787,300 for month Dec, 2018).  Average Home Price in 2013 = $523,000. In 5 years, your return profit = $312,500. To save this money will take 30 years on ave $100,000 / 10 years. Just 5 years ago, a lot people said Home Price was too high, waiting for Home Price dropped. Now regret.

- Is it true that 65K Buy Home 20 years ago, today has return more than 1 millions?
- Why financial advisors said differently?
-> Yes. See Data. But unlike Stock buy, then sit & wait. Buy Home you must work hard to pay mortgage, property tax, and other Home Expensive for 25 years. Buy Home is first step challenge. The first 10 years after Buy Home, called "Testing Period",  is very important.
->Should I wait for Home down more? - No body can time the Market of Stock or Home. Bill Gates, Warren Buffett said so. Right now, Toronto Home Average still at very low since its peak in 2017. 20 years ago when Interest above 6.5%, a lot people waited for it dropped to buy home. They missed Home Ownership, still waiting. Buy Home, Live, and Wait. Not Wait, Rent, and Buy Home.

Why Home Price goes Up in long term? List few main factors.
1) Income, GDP / Capital, Basic Minimum Wage = Need money can afford Home. Why Minimum Wage? Because it allows a worker to pay higher Rent -> Home Price up. Minimum wage in Canada, Toronto $14.0 / hr, in 2017 = $11.50

2) Immigration, Population grow. Supply / Demand. A Demand for Place to Live, Demand for Rent pushing higher Home price. Canada receives 300,000 immigrants each year. 60% are Economic Immigrants. 40% for Family Unification, Refugee, Humanitarian ..

3) By Inflation Adjusting. Price goes up. - Today, by Inflation adjusting 2.5x times 20 years ago. Today mini wage 20 years ago 6.5$ -> 14$ / hr, big Mac 3.0$ -> $7.0, 1 bed-room: 650$ -> 1350$. => That's why Home Price goes up naturally just By Inflation Adjusting. Can't stop Inflation only minimize it.

Look at Data of Ave Home Price Toronto in past 20 years.
- In 1998, ave Home Price =
$216,815 -> In 2008, ave Home Price = $380,000 = 1.75 x times increase 1998 -> 2008. Ave Home Price in 2018 = $750,000 in 10 years 2008 -> 2018 up = 1.97 x times => Thus Ave Home Price in Toronto increase = 1.75x in 10 years -> Forecast: 2018 to next 10 years = $750,000 x 1.75 x =  Ave Home Price in Toronto = 1.3 millions dollars. Use lower end Data.
- In 20 years 1988 -> 2018, there are 2 x big recessions, 2 x big Stock Market crashed in 2000 .Dot Com bubble, and 2008 Financial Crisis. NOTE: From 1998 -> 2008, 2 big Stock Market crashed, 2 big recessions happened within in 10 years, but Ave Home Price still gains 1.7x times. If a lot people scare you recession, home will go down ... Look at Data in past 20 years. No affect Toronto Home Price still rising 20 years. Currently, Ave Home Price is low and affordable, down a lot since its peak 2017.
=> That's why Home Price goes up just By Inflation Adjusting.

How big is 65K 20 years ago? - Today, by Inflation adjusting 2.2x times. Today mini wage 6.5$ -> 14$ / hr or 26,800$ / year, Software Engineer, Engineer: 12$ -> 24$ / hr = 46,000$ / year, big Mac 3.0$ -> $ 7.0, 1 bed-room: 650$ -> 1350$, thus $65000 20 years ago, today = $145,000.

NOTE:  If you work for big corporation, it will gradually increase entry salary. Most immigrants first came to Canada, started life $0.0 will work in factory. There are PhD from other countries drive taxi. Today is improving, because more Skill Immigrants come Canada. For example, a lot Software Developers, IT Managers in senior high position, IT Professionals from India working in Canada.

-> Use Data, scientist show people they can't explain using mouth, tongue.

Why 70% millennial think it's to buy a home first priority and Plan ahead for Retirement ?
- Because young people are smart and Data Intelligence. They plan their future ahead Buy Home. They want Home, Have Something, maybe Become a Millionaire. Even you have job good salary, after pay Taxes like Income Tax, all kinds of Living Expensive, Rent, you don't have much left. Thus in next 20 years, you still have nothing. Home or some kind of Property helps your Net worth grow into Something.
HOW? - After graduated University, Started Life around 28 years old -> Take 10 - 12 years Saving for Home Deposit at least $100,000. Thus they 28 + 12 = 40 years old. -> Then Take 25 years pay off Home. -> Now they are on Top of Mountain. Although some talented millennial will be faster @ 50s on Top of the Mountain.
- Some young people said: - Enjoy life. Travel the world first. Later when in mid 30s, Plan for Something Buy Home. -> It is too late. You are 10 years behind.


I agreed with Kevin O'Leary that we should focus to pay off mortgage. But disagree with him is that he said: 1) Mortgage is the bad debt, don't get it. 2) You don't Save Money because Have Home and Have Mortgage. 3) And if have mortgage, pay off your mortgage as fast as you can.
I think differently,
1) Mortgage is the good debt. Use other's cheap money to make rich yourself. You will not have this opportunity cheap money again for many years. People in 90s waiting for more than 10 years for 1.75%. Get it soon as you can if afford.
2) Home is your Saving Money Peggy bank. When you start Paying Mortgage means you start Saving money for Something.
When having Home you Save money. You less Spend By Desire. All extra money put in Mortgage first. Thus less Travel, less Shopping, less Drinking, Smoking. Small things add on a lot money. For example, When Have Home & Mortgage, a Travel temptation -> But then must Pay for Mortgage first priority. More responsible. But, Live by Rent. Don't care. No Home's worry. Let's Go Travel by Desire.
3) And you can't pay off your mortgage as fast as you can. And should Not pay off mortgage ASAP. It takes 20 years unless you are rich. Also, Mortgage Loan is small Interest 4% -> 5% compared to Credit Card Rate 15% -> 21%. Or other Loan if you have to borrow in future, such as, Open Small Business.
4) Just think Mortgage is replace Rent.
No choice. You must choose one
. -> You choose Pay Rent lost money near 1/2 income for 50 years, for ever, your Children Next Generation. Always keep increasing. - OR - Choose Pay Mortgage for 20 years. ->
Free Rent. Own Home. Become Millionaire -> As you see, Home is your Saving Money and Have Something.

His advice: https://www.msn.com/en-ca/money/real-estate/kevin-o%E2%80%99leary-this-is-the-no-1-piece-of-advice-about-your-mortgage/vi-BBSn8Pt?ocid=spartanntp
-> See Rule (1) -
Why Millennial choose Home first priority?
NOTE: Kevin O'Leary is a Multi - Millionaire Business Executive, TV Personnel Contributor on CBC, BNN, CNBC, a Start-Up Venture Capital Investor, a CEO.

How to help Millennial Buy Home?
1) Millennial, first of all, help yourselves Buy Home first is Saving. Such as, Cut Travel, Shopping, Drinking, Smoking ...

2) Relax Stress Test - Which is number 1 issue make people less qualify for Buy Home.

3) Design a special Mortgage for First Time Home Buyers, specially for Millennial 25 -> 37 age. Cut Taxes like Land Transfer Tax, other Home Buyers Tax ...

4) Good News: recently Minister of Finance promised: New Policy helps Millennial Buy Home. Currently, home ownership has been among the top two issues for millennial. https://www.msn.com/en-ca/money/real-estate/helping-millennials-buy-homes-a-vote-winner/ar-BBSEjwg?li=AAgh0dA&ocid=mailsignout

=> Click and SeeMeasure Middle Class & Working Class in US & Canada with Europe, Japan and the World -> To measure the Wealth of a Country, you measure the Middle Class, not the Millionaire, Billionaire. To measure the people at bottom of a country, you measure the working class, the minimum wage.

A scientist said: - I gained more Knowledge, Theory, Research from Teaching. I like to help students. They used my reference, as my Researcher, to get job. After that I left teaching. I was working as Computer Scientist, Software Developer to gain more hands-on experience. And I love to Design & Build software. -> But still on/off Teaching Part-Time. There is a college far from Toronto, I traveled back & forth 2 hour each trip using 2 different transfer Buses. Some classes, I get up early 6am still very dark in the morning in order to be in class room at 8am. I teach PT at a College in Toronto area.

- After graduated from a Canadian University
, if early started career as Computer Scientist. As a Canadian, a Middle Class in Toronto, I have been working around 25 years, started working early age 18 with $0.0 money, no Degree in Toronto. I like talking about Home because Home is something after working hard all your life. People lack of knowledge about Home. Even the best Financial Advisor, Business Processor, Bank Financial Annalist still think Buy Home is no good option. In Canada more than 50% own Home.

Recently, I got emails from many people thank me for advice when they bought their first home.
One first time Home Buyer said: - I wanted to buy first home but so scary when reading online News, TV. Then my friend sent me this Blog for Research before making the biggest decision of my life: Buy Home. It helps me know more about Home. I were so confident and bough my first Home.
A Toronto Middle Class Home Owner said: - We are working 9-5 very hard for Home. Home is very important for us: All or Nothing. I don't know much about Home. Reading online News, I am wanted to sell Home. But you use Data, no biases, help us not sell Home. Thank you very much.
But I also receive complaining email from a person. He said: - You speak for millionaire Middle Class Home Owners in Toronto. We are working people, want to Buy Home, wish Home Price goes down, but not. While you maintain Home Price OK, by inflation, not high.
I would like to reply this person
: -> I started life at 18, no degree, no money $0.0, alone, no parent support, very poor in Toronto at the very bottom. So I understand working class. I speak for myself and want to help people make biggest decision of their life Buy Home, including you and one first time Home Buyer mentioned above. Sorry you can't Buy Home. It is the Market, Supply/ Demand influenced Home Price. Inflation is also main factor contributed to high Home Price.. It is Stress Test makes challenging for working people Buy Home.

As Data & Computer Scientist, we use data, facts, reality. I read a lot Blogs, Articles, they write don't use Data. Thus bias, based on assumption. Most articles have negative view about Toronto Housing. Data is worth thousands words.

- If Deposit less than 20%, it would take longer and pay more interest
. For example, Buy Home in 1999, 20% Deposit, in 2019, Your Home Ownership 80% -> 90%. But 10% Deposit, Buy Home in 1999, today 2019 approximately 45% -> 55% Ownership. Because you pay for a lot Interest Payment. That's why, Today, started 2018, new Housing Policy required Deposit at least 20%. Housing Crisis in 2008 because people can Buy Home with small Deposit 5%. People abandon their Home when Home Price dropped.. The more Deposit at least 20%, the less monthly Mortgage Payment / mo (example: 10% = 3000$ / mo -> 20% = 1800$ / mo), the least Interest Payment, less likely abandon their Home, and faster Own Home. Before 2018, most people Buy Home, Deposit less than 20%. It is like borrow 20,000$ loan on Credit Card. You pay 250$ / mo, but 200$ for Interest Payment, only 50$ for Principal Loan =  $20,000 - $50 = $19,500. How long Buy Home & Keep Home + Deposit most important. Live in 1 million dollars Home but Ownership less than 50% is Bank's Home.
=> If you Buy Home before 2006, and Deposit at least 20% = Your Home Ownership more than 50% = You Own Home. Else still Bank's Home. Have Deposit and Buy Home is 1st Challenge. Keep Home for 20 years is another Challenge.
People lost Home because
: 1) Lost Job. Most common. 2) High Interest goes up.
 Why? - Because today, high Home Price, most people Buy Home are Middle Class Couple, need 2 x Middle Class Income Buy Home and Pay Mortgage. Thus if one lose Income, the other one hardly afford to pay mortgage. They use credit card.

Today high Toronto Home Price. Who are most Home Buyers today?
-> Middle Class Couple, each with $60,000 income, a combined $120,000 Income. But a combined 100K, each 50K still OK. Before need only 1 income.

Salary needed to buy Home in 20 major US Cities. Click here.

- Buy A million dollars Home, Deposit 20% = $200,000, Loan = $800,000. Interest = %3.65 (2018) - Amortization = 25 years Own Home. Mortgage = 4285$ / mo
- Rent out 2nd Floor = $1500 / mo. => Mortgage Payment = 4285 - 1500 = $2785 / mo =>
First 60K Salary OK Pay for Mortgage + Property Tax + Utility. Even each 50k OK = 2950$ / mo after Income Tax. Thus, Home Affordable for Middle Class Couple.

- A middle class couple pay Mortgage, Bills, Property Tax. First 10 years will be the most challenging. (04/1/2019)
- The Responsibility, the Hardship, the Debt of Home Owners, always worry Lose their Home since the 1st day they climb the mountain. Have A Home to Live. No easy Home for them. A lot people started Life from 0.0$ -> Home Ownership.

Today high Home Price
, most Home Buyers are from Middle Class Couple, combined salary at least $120,000, or $60,000 each, can afford Home. 60K after Income Tax = 3500$ / mo, enough for mortgage payment, but not include Property Tax, Utility. - The other salary take cares of 2 x Cars, Car Insurance, Glossary, iPhone, Internet, Eat-out, Vacation ...

More 70% millennial think it's to buy
a home first priority -> Then to get married or have kids.

A new trend according to Bank of America: - Does it means the Millennial use Data Intelligence more than Emotional Intelligence in hi-tech modern time ? A new trend? - They want to Buy Home, Have Something, maybe Become a Millionaire ?

1) Today, the Millennial are Mature, Responsible, Smarter.

2) The Millennial want Get In Middle Class Home Ownership = mean Success.
- Which means Home is Something, more realistic.

3) Their Partner specially the female wants Home, expecting
Men Buy Home first.

- According to a 2018 report by the National Institute on Retirement Security.
1) Currently, about two-thirds 2/3 of millennial have nothing at all Saving.
2) Millennial who do have savings hold average balance of

Need more Saving. Such as, Cut Travel (most spending), expensive Car, Stay low Rent, no Smoking, Drinking.

Why Millennial choose Home first priority? Because:

1) Home is Peggy bank saving money else you spend by desire. Most important people don't understand. Mortgage is Good Debt like Education. Because either you choose pay Mortgage 20 years, Free Rent. Own Home. Become Millionaire. OR choose Pay Rent lost money near 1/2 income (always keep increasing) for 50 years, for ever and next generation.

2) Having Home will make you more responsible, mature, work harder. -> What ever people can say. But can afford Home = Mean a success.

3) Home protects your access, net worth from Inflation. Your access, Car, TV, Cloths, Cash in the bank, in the long term, will lost value because of Inflation. Home increase values in long term.

4) Home Values grow and increase in a long time. Not car. Because Home is a necessity, like food, rent. People can't live without a shelter either Home or Rent.

5) A Home to Live is the best Return. People spend more than 1/2 salary on Rent than anything.

) Your whatever Salary, even good salary of Professor, help you pay Living Expensive. Home helps your Net worth grow, and be Millionaire. A lot people just Have a Home -> Work hard 20 years -> Become Millionaire. => A lot Financial Advisors How to Become Millionaire - But Buy Home & Become Millionaire is the most realistic way and proven by Data.

) Home will ensure after many years working hard, climbing to Top Mountain, you Have Something. You are not mountain helper, who helps other climb mountain, work hard, carry heavy load, hardship. But to Top Mountain Have Nothing.

A Millennial said: - A new Trend of the Millennial is Buy Home first priority. What ever you do, make sure plan something. Plan as early as possible when still in millennial (22 - 37). 10 years runs very fast. Thank you for the best realistic advice.

Who is responsible Buy Home in Partnership?
A Millennial said: - My girl friend wants Home, no Condos, and I am responsible Buy Homey. Is it true?

The Man is responsible Buy Home
. Like diamond, Men always buy diamond, not other way around, an expectation. Even she gets her parent's money, or her own money. If the woman has her own money or has capacity to Buy Home, her expectation very high of her partner. While man doesn't care about high expectation of his partner. No woman Buy Home for man. But, Man Buy Home for Woman common.-> This is not about money, but about responsibility. Every one can blah blah big thing, cloths, car, restaurant... are small. But Home is big. Get in Middle Class Home Owner Toronto need $200,000.(not just Deposit + other Cost when Buy Home).

-> In Asian Culture, tradition, Parent will transferr wealth to their children. But, the problem is that the next Generation doesn't want to work hard, create more wealth, add-on more values -> Thus generation to generation not richer, wealth doesn't grow, doesn't add-on values -> Create expectation for Next Generation not working hard add on more Wealth. -> As a result, the previous Generation started from Nothing -> Creating Wealth -> Next Generation spend reduced Wealth, rather add-on more values to wealth keep on growing. This is a reminder that work hard add on more values.

Also depends on culture.
Eastern culture like Vietnam, China, Japan, Korean ... expect the Man Buy Home. Because according to their tradition Home is the root of family. Without root without family. The man brings the woman to his Home or his Parent's Home. The woman follows the man to his Home. In Asia country, Home is transferred from the previous Generation to next Generation. Parent, children, all lives in one Home, sharing life expensive.

-> Action not Words. 

Big smile. -> Get in Toronto Middle Class Home Owner at 34 years old. This smart, quick, fast.

- Or else, Work hard -> Climb mountain from bottom -> Take 15 years Saving $200,000 (if live with parent less cost) Get in Middle Class Home Owner Toronto at 39 years old.

The reality is: - Love, Horney, Emotional Intelligence happens only 2 -> 3 years. After that, Data Intelligence, Money for Home, Rent, Car, Living Expensive, Food, Children ... happens for the rest of your life. Never peace without money.


=> Is it good benefit Have 1 x Home and Pay off mortgage or Sell it, Split resources, Buy 3 x homes?
- We have written in early Blog. Better benefit just use all resources, money to pay off 1 x Home than split into Buy multi Homes. You have finished 90% on the road to mountain. Only climb 10% more then relax. Which means 1 Home 90% Home Ownership better than have 3 x Homes each 30% Home Ownership start climbing from bottom of mountain at 30% on the long road for another 20 years more. Waste Time & Money pay more Interest. Buy or Invest Multi-Homes good when Low Interest, easy Home Policy, Low Borrowing Cost. Time has changed. Have 3 x Homes when Interest begins goes up is no good.

For example, you bought a Home 20 years ago, few years pay off. You work hard 20 years, climbed 90% mountain, Home ownership 90%. Now your Home worth 1 millions. You sell your home. And buy 3 x million dollars Homes, each a millions dollars Home. Each deposit 30% = $300,000. Or can buy 5 x million dollars Homes, each a million dollars, each Deposit 20% = $200,000. Satisfy min require 20%.

You better Have 1 x Home to Live than Have 3 x Homes. And Pay off mortgage. Which is better than Buy 3 x Homes each million dollars, each only 30% Ownership. -> Because Buy 3 x Homes, you Waste 3x Time longer to own Home, and waste more 3x Money for Interest Payment. More triple 3x Debt, very high risk. Pay more Interest starts going up, Home Price up little 5% - 8% / year. Not hot up 30% like 2017. Time has changed. Home is not easy, free ride like before. You start climbing 70% mountain again. => You getting older, can't climb more.

In general,
Ownership 90% and finish pay off 1 x Home -> Become millionaire. Free Home. Free Rent. No more Pay for Interest only -> Enjoy Live. No worry Rent each month, Interest ups, Home goes down. Better than Have 3 x Home, but only 20%, 30% Ownership. It's Bank's Home, 3 x Debt. If Interest goes up trend, will be big problem, 3 x Property Tax, high risk, work hard longer. Not millionaire, because Home Ownership million dollars Home less than 50% = Bank's Home. Always worry Rent each month, Debt, Interest ups, Home goes down, Market ups/ downs. The longer on the road, less % ownership, the longer you pay more for Interest, not for Home. Not sure when you can own 100% Home Ownership. Could never own Home. A Home to Live is the best Return.

A scientist said
: "- Analyze Data, we see that Keep 1 x Home, safe, less debt, less risky, peace of mind, relax, enjoy live, and return more profit $$$ than Split into 3 x Home. A lot people think that.. Live in million dollars Home -> Then they own million dollars Home, and become millionaire. It is not. It depends on Home Ownership %. Need own a Home at least more than 50% or at least 10 years, Buy Home after 2008 is still Bank's Home. A 20 years Middle Class can buy at least 3 x millions dollars Home. Does it mean he/she 3 x Millionaires? "

That's why Computer Scientist used Data, Make Sense things different with people don't use Data, simple minded.

- Climb to the Top of Mountain for Something. A lot of risks, take at least 20 years reach 90% to Top. Relax. Enjoy Life. Become Millionaire.
- If you bought a Home 12 years ago in 2006 with Deposit around 10%, probably, you climb at 45% -> 48% of the long road, near half. -> But Deposit at least 20% you at more than 1/2 of the road and accelerating faster to Top.
- Just bought Home 5 years ago. Congratulation. -> You are at the beginning on the road to the Top Mountain. A lot of risks, can lost Home any time, back to the bottom. -> Buy Home less than 12 years is Bank's Home, because ownership less than 50%
-> Buy Home doesn't mean Own Home. Buy Home very different with Own Home.
- Every one with small deposit can Buy Home easily. Buy Home only just get started at the bottom mountain.
- But Own Home take at least 20 years climb on Top mountain very difficult.
-> In US & in Canada (before Jan, 2018), you can Buy Home with 5% Deposit. Thus Ave Home $800,000, you can Buy Home $40,000. Take a long time on Top. Pay alot Interest.
- Now 3x Homes back start at 20% bottom another 25 years again. => You still climb 80% the long road with Home's Renters. Not one, both responsible, climb to Top Mountain.
The losers always Renters, like Mountain Helpers, work hard, heavy load, hard life. Climb 20 years, help others on Top. But Get Nothing.
- Rent keeps increasing every year
. In 2019, Toronto Rent increased 11%, because people hardly satisfy conditions Buy Home. In 90s, Rent 1-bed room around $600. Today Rent increased around 1700$ for 1-bed room.

Most Financial Experts, like Suze Orman, David Batch, Kevin O'Leary, advise: "- Pay off your mortgage as soon as possible". In this case, rather pay off your mortgage soon, borrow more debt buy multi homes. Not good ideas. READ: https://www.msn.com/en-ca/money/topstories/pay-off-your-mortgage-asap-experts-say%E2%80%94heres-why/ar-BBRcEBZ?li=AAggNb9&ocid=mailsignout. But some other their advices are not right. Buy Home made a different between Something and Nothing.

I agreed with Kevin O'Leary
that we should focus to pay off mortgage. But disagree with him is that he said Mortgage is the bad debt, don't get it. And if have mortgage, pay off your mortgage as fast as you can. To me, Mortgage is the good debt and your Saving Money Peggy bank. And you can't pay off your mortgage as fast as you can. It takes 20 years. Just think Mortgage is your Rent. No choice. You must choose one. -> You choose Pay Rent near 1/2 income lost money for ever, 50 years, your Children Next Generation. OR Choose Pay Mortgage for 20 years. Rent Free -> Use your brain.
His advice: https://www.msn.com/en-ca/money/real-estate/kevin-o%E2%80%99leary-this-is-the-no-1-piece-of-advice-about-your-mortgage/vi-BBSn8Pt?ocid=spartanntp
See My Rule 1) Why Millennium choose Buy Home is first priority:
1) Home is piggy bank saving money else you spend by desire. Most important people don't understand. Mortgage is Good Debt. Because either you choose pay Mortgage or Pay Rent.

This 3.0 millions dollars Home 4-level-storey tall but small in Toronto, Dec 27, 2018: https://www.msn.com/en-ca/money/homeandproperty/narrow-4-storey-dollar3m-riverdale-house-stalls-on-market/ar-BBRvGeJ?ocid=mailsignout NOTE: In Toronto don't build this kind of multi-level storey Home, small area but tall, like lack of land. Cost a lot Heating Bill in winter. Not efficient
- This kind of 
high raised multi-level 7 storey Home 10 Rooms common in Far East City. Click here. Very common in Far East because a multi storey Home has a whole big family including Parent, children, children's family in 1 Home. Unlike industrialized country when children marry choose move out of home.

Update: Dec, 2018

Latest Home Sales, Home Price Toronto for Toronto Real Estate in Nov, 2018, which is released in Dec 6, 2018.

=> Toronto (416), 3 millions population, 3rd biggest population in US & CANADA, after New York City, L.A City, surpass Chicago now at 4th population: 2,7 millions. Toronto Ave Home Price (all Types of Homes, inc Town Home) , Nov, 2018 = $842,4830 (Nov, 2017 = $803,540) compared last year Up, Town Home = $739,837, Condos = $595,678.

=> GTA (905) (Greater Toronto Area, Districts around Toronto, Area Phone Code = 905. Population: 6.5 millions ) Ave Home Price, Nov 2018 = $750,721, (Nov, 2017 = $732,840). Town Home = $613,846, Condos = $454,288.  Toronto Population = Old Toronto + GTA = 9.5 millions, bigger than New York City = 8.6 millions population. Toronto & GTA biggest population in US & Canada.

** Important News **

1) Just recently, only Condos and Semi-Detached Homes U
p continues growth. Average Semi-detached Home Toronto up 8.3% = $1.06 millions. Last month Nov, 2018, Semi-Detached up 6.3%.

: Only Average Price. Translate into Real Home Price is higher. People buy semi-detach save money, Property Tax. We already see Semi-Detached 3-Bed rooms & 3 Bath rooms Listing at $1,096,000 but sold for $1.217,500 dollars =  $122,000 dollars over Listing Price. Click here. Because usually people Listing lower to invite Buyers see Home and Bidding. => But the Average of Toronto Semi-Detach Home has over 1 millions dollars. Which means that: Sum all Semi-Detach Homes spreading in Toronto and Take Average =
$1.06 millions. -> Toronto Semi-Detached Home is Million Dollars Category.

=> When Property is Hot
like last time, up 33%, Detach Home Price increased more. But when it goes Down, Down a lot. More risky. When Property not Hot, stable, steady, like right now, Semi-Detached more referred, less risky. That's why Semi-Detached goes up recently 8.3%. A lot.  For example, recent Toronto Housing Cooling, Detach-Homes lost 200,000$, while Semi-Detached lost around $80,000 -> $100,000. In Toronto Housing Recovery, Semi-Detach Home Price increases more than Detach-Home.

Property Tax: Not Business, Company, Corporation, Government, but Middle Class Home Owners, who work hard for their Home, and pay for Property Tax. Property Tax is
main source of Tax Revenue for the City to pay for: City's Services, City & Municipality's Employees, Schools, Parking, Park, Policing, Ambulance, Fire Fighter, Garbage Collection ...

2) Home Sales drop 14.7% compared to last years Dec,2017, but down only 3.4% compared to last month, not much, because
Stress Test Restriction required higher Income or Salary, and higher Borrowing Cost to buy Home.  

- See: How much cost to buy home in 50 US's States in 2018. Click here. 
- See:
Salary needed to buy Home in 20 major US Cities. Click here.
- See: Ave Home Price in GTA Districts around Toronto, GTA's Map.
Click here

-> Why a City has higher Home Price than the other City?: Home Price is like Stock Price reflects value of a Company. It is not small Home, big Home but Location.

-> A Majority of Home buyers Buy Home, work hard 25 years, pay all kinds of Taxes for A Home to Live.

A Scientist Professor ask: - Why Home Sales Down, but Home Price still Up?

=> No need reading 100 pages Report. Look at this Chart:
Home Supply S1 Decrease, Shift Left from: S1 -> S2. Create more competition for Home Buyers in tight Home Market fewer Homes "in the past few months" - And Quantity (the number of Home Sales) Down: Q1 -> Q2. Because Stress Test more restriction, Higher Borrowing Cost Buy Home. -> Pushing Home Price: P1 -> P2 Up.
=> Which means: Home Price in Toronto still steady, Up even Home Sales Down. Because People don't want to Sell their Homes, since Toronto Housing started recovering in May, 2018 after Cooling Down started June 2017 -> Home Listings Down. Plus New Home Builders, Construction limited. Both = less Home Supply. Thus Home Sales Down doesn't mean Home Price Down, but even Price Up
-> Thus, even Build more New Homes. But less People Sell their Homes since May, 2018, will not affect Home Price much.
-> Just 5% -> 10% People sell Homes will translate tens of thousands Homes for Sales. Home Price could Down. But Not see in Toronto.

- Can I apply this, limit Home Supply will increase Price? - Not that easy and simple. Different City is different depends on Location, such as, Jobs, Income, Salary, GDP/ Capital, Minimum Wage, Education, School, Hospital, Policy, Environment, Infrastructure, Standard Living, Immigration ... => Do people have Money and Income that can afford million dollars Home? => How can City attract rich, Middle Class People come to live here? What offer?
- For example, every year, large number tens of thousands rich Economic Immigrants line up, come to live in Toronto, GTA. Most of them will Buy Home for sure. Plus local Toronto people. -> Create big Demand for Home. => Its Home Price keeps higher than most big Cities in Canada, US, in the World. - What attracts them? - Free Education, free Health Care, free Hospital, good Social Benefits, good Environment no mask, good Retirement = Location's Value. Can any City offer like this? ->  That's why Home Price Toronto will never goes down, and continues grow higher.

: Before 2018, so easy Buy home. Anyone can Buy Home. Begin 2018 very difficult, for people low Income, low Salary qualify for Mortgage when borrow Money Buy Home from Bank. Need Deposit at least 20%. And
Home Speculators who Buy Home as Investors.
A Majority of Home Buyers Buy Home, work hard 25 years for A Home to Live.

3) But Home Prices still climb, or stable, specially Semi-Detached Home climb 8.3%. While Condos rose 7.5%. The reason Home Price still steady because of less Home Supply for Sales in Market. Such as, people don't want to sell home, and less New Home Construction. Compared to last year, Home Price still Up.

4) New Home Listings were down than Sales. This suggest that Buyers had more competition for Buy Home, tight market ->
Home Price steady.

Choose Semi-Detached Home vs. Detached Home.
Both Ave = Million dollars Home Category. ( Important psychology )

1) Semi-Detach Home: - If you want to Buy A Home to Live, Home Ownership, regardless Home ups, downs, no worries ups/ downs.
Buy Semi-Detached, because Home Price, Property Tax, other Home Tax like Land Transfer Tax, Home Insurance, Maintenance more affordable, cheaper than Detached, less Risky when Home Market cooling, Down. In recovery, stable Housing like now, Semi-Detach up 8.5%.

2) Detached Home:
- If you think Toronto Home Market will booming, hot in 2019, next 5 years, so on ...,
Hot Housing Market like in 2017, up 33.0%, like April, 2016 Ave = $650,000 -> in April, 2017 = $917,000 = up $270,000 in just 1 years. -> Then buy Detached-Home. Look at Data: Last year in 2017, easy Buy Home, no Stress Test, low Borrowing Cost, no "Fair Housing Plan" Policy. In 2018, every thing has changed. Detached Home is more expensive Property Tax, expensive Home Price, more Return Home Price, greedy. But more risky, when Home goes Downs, it Dows a lot, double lost than Semi-Detached.

) Both Semi-Detached and Detached Home are Million Dollars Home: - Ave = Million Dollars Home. Both in Million Dollars Home Category. Don't sell your Home low. Toronto Semi-Detached Home could go higher. Because people who Buy Home want Semi-Detached Homes not only affordable, but also minimize the risk of future Toronto Housing Market. => As you see recently now only Condos, Semi-Detach Home up 8.5%, last month up 6.3%. While other Types of Property declined.

A person said: - Worth it to watch Home & Property once month than watch Stock every day. Before if I watch Home, understand more about Home & Property, I would buy Home, Condos and better for me today. Since I follow this Blog, I understand more about Home. We start saving, have a plan for Home, Property, Condos ... This Blog really helps me in positive way better than scary News about Home. A Home to Live is the best Return is always right Choice in Making Decision for having something in future in turbulence, ups, downs market.

Update: Nov, 2018

- See: Latest Home Sales, Home Price Toronto released in Nov 6, 2018 for Toronto Real Estate in Oct, 2018
- more Click here.

=> Toronto (416), Ave Home Price = $869,870 (Oct, 2017 = $819,210) compared last year Up, Town Home = $767,000, Condos = $603,200.
=> GTA (905) (Districts around Toronto, Area Phone code = 905) Ave Home Price = $807,300, (Oct, 2017 = $780,400) compared last year Up 3.5%. Town Home = $621,560, Condos = $461,000.
Home Sales
Down 1% compared Sep, 2018, Up 6% compare Last year.

=>Toronto's housing market stabilizes after turbulent year as Sales rise, Prices steady.
- Housing Toronto & GTA started cooling sometimes in June, 2017 and started recovery sometimes in May, 2018 after 1 year cooling. It is just recovery in 5 months, Ave Home Price recovered 1/2 losses compared to its peak Ave Home Price in GTA @ peak, Ave Home Price = $916,000, in Toronto @ peak, Ave Home Price = around $1,000,000.
- Before use 1 Ave Home Price. But now, better used 2 separate Ave Home Price for Toronto and GTA.
- Toronto ( 3.0 m. Not inc GTA, just Toronto = 3rd largest City' in North America, replaced Chicago, only after New York, Los Angeles) + GTA (6.5 mil) = 9.5 million population.

NOTE: This is Ave Home Price only = Which means including All Types of Home Properties and All different Locations. Home Price depends on Location. Toronto more expensive than GTA. Compared to Home Price @ peak, although has recovered 1/2 losses, translate in Real Price still lost from $100,000 -> $250,000 (Downtown Toronto).
Home or Stock = Wealth, Same Net worth. Start working @ 25 years old for 10 years @ 35 should save $100,000. Work 20 years @ 45 should save $200,000 -> Add-on Net Worth. Lost $100,000 No Big Deal ->
The Risk of Nothing, not Having Home, even more Risks.
Some people blamed
Toronto Housing Cooling on the previous Ontario Government has introduced a Housing Policy called "Fair Housing Plan" just recently, in mid 2017 in effect Jan, 2018. Why not let Market decide Price, Ups / Downs, like Stock Market. But some people said, FHP helps slow down a bit (cooling) Toronto Housing Market that was very Hot, Home Price up too fast, could cause "crashed or bubble". It also helps more people, who complain Price too high. But then when Toronto Home Price dropped at very bottom of low lost around $200,000 from peak -> Less Buyers. Sales down -45%. Compared to when Price at peak Ave = $900,000, People line up multi-offer -> Most people complain not enough money to buy. -> Home or Stock, follow Price up/ down, then you will notice Price.
A recent Stock Market Cooling
Lost "Few Thousands" for some People is Big, but for some People is Small. Nothing compared to Toronto Housing Cooling lost Hundred of Thousand dollars / Household in Toronto & GTA. Each Home in Toronto, GTA lost Ave = $100,000 -> Few Hundreds of Thousands Homes in Toronto translates Hundred of Billions of dollars wipe out
just in Toronto. Downtown Toronto lost most, double, ave more than $200,000 / Home. But the Toronto Housing Cooling doesn't seem affect Toronto and Canada. A lot countries in the World wish Home Price up, but not.

NOTE:- Semi-detached Home cheaper in Property Tax around 249$ - $350 / month compared to Detached Home 550$ - $800 / month. Home Price difference between Semi vs. Detached Home is $100,000 - $150,000. While difference between in GTA Home vs. Town Home = $200,000, and Town Home vs. Condos = $150,000.(See Data above)
For example, In Toronto, some Areas, Ave Semi = 1.1 -> 1.2 millions vs. Detach = 1.25 -> 1.35 millions.

- Flying over Toronto, I see hundreds of thousands of Homes. Does it mean all of them are millionaires?
- Not really. Depends on Home Ownership. Buy Home less than 10 years, after 2008, Home ownership still less than 50%. Thus it is Bank's Home. Starting in Jan, 2018, required 20% to buy Home. Thus $200,000 you can buy 1 millions dollars Home, still Bank's Home. A lot people buy Home in 5, 10 years, lost jobs Sell Home. A lot new Home Buyers/ Sellers bought/ sold Home after Financial Crisis 2008. Recent Toronto Housing Cooling in 2017, a lot people sold Home, panic. Now, hard Get in because of New Housing Regulation. Or they already spent half. Home is piggy bank Saving Money. -> However, Toronto & GTA Housing is the main reason put Canada the Top List of Millionaires = 4.6%. Predict in 2020, Toronto Home Price steady will put Canada 5.5% - 6% Millionaires, only after US.
Toronto (Old Toronto) = 3.1 millions (Over 2.8 million in 2016. 30% of 356,000 Immigrants each year in Canada = 108,000 Immigrants come Toronto, GTA each year. Most Economic Immigrants, Family Re-unification. Not include Canadian born in Toronto, GTA each year.), GTA = 6.5 millions, Vancouver = 600,000 population.

=> Thus Toronto, GTA = 9.6 millions population produced most Middle Class, Millionaires in Canada, 15 times x bigger than Vancouver, and 2nd, after US New York City 8.6 millions, because of Home + Population. All is about Data.

GTA = Greater Toronto Area, Districts around Toronto, like Mississauga, Brampton, Markham, Richmond's Hills, Vaughn, Peel, Ajax, Pickering...
- Click here Toronto & GTA Map. (Nov, 2018)

- North York is a Municipality in Toronto. Old Toronto made up by a lot big & small Municipalities. Biggest Municipalities of Old Toronto are: East York, Etobicoke, North York, Scarborough, York.

- Old Toronto has 2 biggest University of Canada, and  largest number of Full-time Students: University Toronto (1st Canada) in Downtown Toronto, York University (2nd Canada - largest International Students) in North York.

=> Ave Home Price 5 biggest Cities Canada: In Montreal, 2rd biggest City = $345,000, Vancouver ave Home Price = $1,070,600, Town home = $837,600, Condos = $687,000 ( Recently Price drop, reduce gap between Toronto & Vancouver. ), Calgary, Oil Producers = $424,000, Ottawa, Capital = $412,700, Kitchener- Waterloo, Hi-tech = $439,700.

How much cost to buy home in 50 US's States. Click here.  | - See: Ave Home Price in GTA Districts around Toronto, GTA's Map. Click here

: Scientist used Data because it defines Value, Number, Quantity, reflects the Reality, Fact. Data helps make easy understand, easy make decision. Ignore Data is blind. That's why Making Decision needs Data, not just Discussion, Perception, Mouth, Tongue, Feel this way, that way.-> In the table a lot Policy Makers, need a Data Scientist  who knows Make Sense of Data, Ask question using Data.
-> Not easy Use Data -> Need Scientists are trained using Data, Analyze Data, Collect Data, Make Sense Data. The more Data provide the better.
A lot professional, educated, smart People have Data available, but ignore, not trained, can't understand, Data blind. Most of them Making Decision using Emotional Intelligence, Basic Instinct, Feel this way, that way, Like It or Not. Unconsciously, they don't know.
For example, Stock Market
is example Emotional Intelligence, Greed & Fear. Ask a lot smart people, Financial Annalist, Stock Analyst from big Banks, Financial Institutions. big Investors Institution, Bloomberg Analysts, simple only two choices: Either " Buy or Sell " -> They talk, mouth, tongue. Almost can't get correctly. If they know they will make millions, billions of dollars.

-> Does it mean Emotional Intelligence more human, feeling than Data Intelligence? Wrong. Not really. Empathy for one Group of People and not for other Groups, other People is not empathy.

Data Intelligence is better,
smarter, more human, less biases, less narrow minded. Data Intelligence helps people Do The Right Thing, although their Emotional Intelligence, the Human things, said NO. Love but not Blind is the difference between Data Intelligence and Emotional Intelligence.

A Scientist & Professor said: - In the Movie " Crazy Rich Asians " - Professor Rachel Chu, the main character girl Rachel in movie, plays Game with a student to demonstrate to her Game Theory in class that, involving both Psychology, Human Emotion and Choice. " The key is playing to Win, instead of trying not to Lose ". The result is she wins the Game.- Most people Play not to lose Emotional Intelligence. The student played game using his Emotional Intelligence, " Hate to lose what are values to him ", abandoned " rational thoughts " thus make poor decisions. He Played not to Lose, even small things. Prof. Rachel is playing a Game either: " Gain or Loss " - One Gain in the expensive of the Other's Loss. Can't both Gain nor both Loss. Thus what ever values the Opponent Lost ( - $10 ), the other Player Gain those values ( + $10 ). In this Game, Prof. Rachel is playing a Strategy in called " Dominating Strategy " that forced the opponent her Student played " Play not to lose "

Scientist & Professor continues: - What Strategy should her Student play? - Her Student should play Optimum Strategy against Prof. Rachel's Dominating Strategy -> Maximize the Gains -> The Student knows could Loss. So the Student Play this Strategy = Minimize the Maximize Losses = Remove the Maximum Losses. => Game reduced to The Equilibrium of Losses & Gains = The Game's Equilibrium. This is called: Optimum Strategy.

For example,
Domination Game. Playing to Win (Dominant Strategy) and Playing not to Lose (Dominated Strategy).
-> 1) Play B ( Row - the dominant, Professor Rachel ) choose Play Dominating Strategy, Gain = 3 = the Game Pay Off at Row 2, Col II.
-> 2) Player A (Column - the dominated - the Student) find that Col IV where he gets the most losses. The Play A removed the column IV, called the Dominated, the big Losses, in order Minimize the maximize Losses. -> The Game reduced to smaller Game Matrix 3 x 3. = [ 3  1  2 ] [ 2  3  3 ] [5  2  4 ]
-> 3) Then Player B Play Maximize Gains -> Find the Row1 has least profit -> Then eliminated Row 1 [x] . Now = Game 2 x 3 = [ 2  3  3 ] [5  2  4 ]
-> 4) Then Player A Play Minimize Losses -> Find column III = [3 4 ] has most losses -> Then eliminated Column III. Now = Game 2 x 2 =   [ 2  3   ] [5  2   ] = Game Equilibrium. => This Domination Strategy Game, Player A plays Strategy = Optimum Strategy..

A strategy ai  €  Ai is strictly dominated by ái  Ai   if  ui ( ai , a - i ) < ui ( á, a - i )
a - i   A - i  ( = no matter what the other Players do )
NOTE: Given ui = the Payoff.  Ai = Some Players => Then, the Payoffs Formula = The Payoff of strictly Dominated Strategy ( ai ) is always less than ( < ) the Payoff of Dominant Strategy ( ái )  No matter what the other Players do.

Conclusion: In Domination Strategy Game: - Professor Rachel Chu Plays Dominating Strategy -> Maximize the Gains. Her Student best Strategy ( or is forced ) Playing: Optimum Strategy. => The Game Iteration is reduced the Least Losses available on the Matrix Table. => In photo Game 1.
Is there other Strategy for the Domination Game? - Yes. It is called: The MinMax Strategy.

- B Play, Dominating : Maximize [ Minimum Gains ] -> [4, 2, 5] = 5

- A Play, Dominated, plays: Minimize [ Maximum Loss ]-> [9, 5, 6 ] = 5

=> The Equilibrium of Game = 5 .

=> As we see in Domination Game Strategy, the Dominating Player B is forcing the Dominated Player A no other Choice, or only Choice but play: Minimize the Maximum Loss, because A doesn't have " Dominant Strategy ". So Player A plays "Dominated Strategy" eliminate "Dominated Losses" in order to Minimize big Losses.

->" Dominant Strategy "
is the Strategy of the Dominant Player (B) Plays to Gain (or they think so) regardless whatever the Opponent Player A Plays. To Play "Dominant Strategy", the Play B must have Dominant Strategy. So the Dominated Player A must figure out "- What is the Dominant Strategy of Player B that they think will Gain, regardless whatever the Player A's Playing? ". -> Yes, there is a methodology.

 Dominant Equilibrium: When two Players playing Dominant Strategy, each one has its own Dominant Strategy, the result is Dominant Equilibrium, not always the best Payoffs for both. But not always both Players had Dominant Strategy, or want Dominant Strategy - All depends on Players' money, resources, talents ... For example, in Poker Game, the one has the most money is considered the Dominant Player -> Has Dominant Strategy. Professor Rachel has not much or same money, but she has more talent.

-> Is any other Strategy than Minimize the Maximum Lost, or Optimum Strategy ? -> Yes - But can't explain here. Sorry. -> A 64 K question.

Game Theory is a field of Computer Science, like Web Services, Framework, Data Science, AI ... Recently, it becomes a hot topic of Research by a lot Professors Teaching Computer Science and Research Computer Scientist. It helps Computer Scientist find solutions, different with Social Science. Game Theory also helps Computer Scientist Design software by finding " How People's rational & irrational Behaviours when using, reacting, interacting with software, Screen Interface, GUI, UI/ UX, Logics and Algorithms " - Most Software Developers design software for them not for common people. Computer Languages used to design Game Theory is OOP (Object Oriented Programming) Java, C++.

What Game Theory for?

A Scientist and Professor said:
- Game Theory is NOT Play Chess Game, Toy Game. It used Complex Algorithm to solve Problems. - Not easy to Play kind of Game Theory. Unlike Chess Game, Toy Game anyone can Play. -> You need smart people in Table make big difference. Play Game Theory, Scientist can predict, forecast the Payoffs of the Game, such as, Gains, Losses, Equilibrium, and understand Human Emotion's Behaviour rational and irrational even smart people in Making Decisions. Then applied in Economics, Policy, Stock Market, International Conflict, Competition, Consumerism, Pricing, Problems Solving ... Which is very important.

Game Theory proves that most people Play Gains for their best Interest (both Play B, Play A), thus not always good Making Decision. Hard Compromise. Conflict, war happens.

What Game Theory for? continue

- Knowing Game Theory will help your company, your Team Design Dominant Strategy that will put the other Players in a situation that they have no choice but Play according to your Strategy for your advantage. Make a big difference.

For example,
- Professor Rachel Chu has knowledge of Game Theory. She then applied in Playing to Win, Dominating Strategy. Her Student has no choice but Play Not to Lose.
For example, in Game 4, Pricing Competition. Player B knows his Dominant Strategy is Low Price - What ever Player A Play. Player B knows Player A has No Dominant Strategy, and A will have no Choice but Play Low Price. Even if A Play Low Price, B still Dominant because B has Lower Low Price, i.e. B's Labour Cost lower than A. => Thus Player B will Play Low Price for its best Payoff what ever Player A Play Low Price or High Price.

I used to go to temple. Give some.

Helen Keller :" - Life is either a daring Adventure or Nothing at all."

A Story. A person said: "- I started life alone at young 18 years old, nothing, $0.0 no Money, no Degree in big City Toronto. I worked all kinds of survival jobs. Very tough. Try yourself. -> Then become College Professor and Scientist. -> Get in Middle Class 19 years ago. I have been working around 25 years at very young. As a Canadian, I have contributed 1/2 millions in Taxes. Without work, hardly survival in Middle Class early days in Toronto. See a lot Data. I have experience Life Ups, Downs, Gains & Losses unpredictable, sometimes from Mother's Nature. It likes: - Play Game Theory of a Person's Life of Gains & Losses that you Making Decisions & Choices. I used to go to temple often. I Give some, even a little. Not wish for Maximize Gains, or be millionaire. But Minimize less Losses. I feel good. Reduce Greed & big Ego. While most people visit temple wishing for more Gains, but hardly see Gains. Because they don't know Game Theory. -> It is Greed that people suffer mind & body, mentally & physically.

I am young. Still have a lot of time. Have fun.
According to statistics,
people make alot of money, in Middle Class when they are young, ambitious, energy, on demand from 28 -> 38 years old. So called " The Young the Restless". Time runs fast. Don't waste time, have fun when young. Start saving.

Do you have any achievement in your life?
I have a lot Ups, Downs in life. This Story about a person, no Privileges, started life alone from 0, zero, no Money, no Degree, in big City -> And pull itself from survival jobs to become College Professor and Scientist, in Toronto Middle Class 19 years ago. Still work hard make ends meet. What ever Ups, Downs, Gains, Losses, no Problems, it's Game of Life."



Game 2: The Domination Game 3x 3 Matrix Table for MinMax Strategy. => The Equilibrium Game = 5 is the best Game Payoffs.

- Dominant Strategy

B / A Low Price High Price
Low Price ($250,$110) ($150, $160)
High Price ($170,$130) ($80,$80)

Game 3 - Pricing Competition:
At Low Price, B's Gain = $250, A Gain = $110. So on... However, from Table, we find that: - B has Dominant Strategy is Play Low Price. No guessing. We also find that:- A doesn't have Dominant Strategy.
Dominant Strategy: "- What ever Play A plays Low Price or High Price, Player B always Play Low Price better Payoffs for them. So B has Dominant Strategy. A No. "

NOTE: Dominant Strategy is applied in different  Contexts, different Games. Such as, Pricing Competition, Policy, Negotiation, Conflict, Stock Market, Economics, Social Science, Human Behaviour, Making Decision..

For example, even A Play Low Price,
B still Dominant because B has Lower Low Price, i.e. B's Labour Cost, Product Cost lower than A. -> A has no Dominant Strategy either Play High Price or Low Price.
For example, Before, Made in China not popular, no body likes, not favour. Today, Made in China has popular the World because of Low Price. Trade Balance always in favour to China in many countries. A Dominant Strategy. If you can't Compete Product then Compete Price.

But Player A don't know if Player B plays Low Price or High Price. Even B's Low Price is Dominant Strategy, would B play it. Or Player B just scares Player A - Like Poker, no ones knows other Player will Play - How do you know Player B has Dominant Strategy, like 4 Aces? For example, look at Game 4, both Play Low Price for its own Interest -> Both Loss = (0,0). Rather both Play High Price = (2,2) small Gain still better than Loss.
-> So, A needs to find out: - What is B's
Dominant Strategy or Not? - Why good for them. If B plays Dominant Strategy, what A should play?- Like We show you Optimum Strategy or MinMax Strategy.

For Player A no Dominant Strategy.
How do you play?
- Yes, there is Solution, Method.

A Scientist said: Use Game Theory on Stock, can prove that: Almost People Play Stock has No Dominant Strategy = Strictly Dominated Strategy. See Math Formula of Payoff.

Buy Stock is Dominated Strategy
Not all, but almost People Play Stock, Making Decision irrational, Human Emotion Greed & Fear.
-> When Stock Up -> They Sell for Gains, or Buy, or Hold for more Gains on paper, because of Greed.
-> When
Stock Down -> They Sell for Losses, because of Fear.
-> When they Hold for 10 - 15 years, a Stock Crash comes like Tsunami, fast & furious -> They run. Sell for Losses everything. Recently Stock just little pumps Cooling Down in few weeks, not a Stock Crash like 2000, 2008, erased all Gains in 2018.
=> That's why: - Don't see people Hold Stock for 20 years like almost people Buy Home. They keep Changing Strategy Buy, Sell, Hold Stocks when Stock Price Ups, Downs.

Buy Home is Dominant Strategy
Because: Regardless Home Up = High Price, Down = Low Price, like Play Low Price, High Price, always the Game's Payoff is A Home to Live = Dominant Strategy.

People Buy Home for a long time at least 20 years. Regardless Home Up, Down, still have A Home to Live. => Live either Pay Rent = Rent keep increasing.
Or Pay Mortgage
= cheaper, until 0.0$ Rent + Home Value increase.


A Home to Live = Dominant StrategyRegardless Home Up, Down. Different with Stock.
-> If you Buy Home, just Buy it. Don't Wait for right time = Buy Home & Wait. Don't Wait & Buy Home.
-> A lot people waiting since 1998, at that time
Interest Rate = 6.5% go down, waiting 20 years ago for Right Time. Still waiting after 20 years

Game Theory is about: One's Gains. Other's Losses. Play Give back some times. Why? Because use Game Theory, Scientist proved that most people are Making Decision irrational for their own Interest, Gains -> As a result, Game's Payoff is not Gains.

- It's Law of Super Nature -> Give back to get more.

-> Billionaire Warren Buffett, lives frugal life, eat lunch $6 at Mac Donald, live in Home, not Manson, drive used car. Give back Billions, 1/2 his net worth
B (Row) / A (Col) Low Price High Price
Low Price (0,0) (4,-2)
High Price (-2,4) (2,2)

- Game 4: Dominant Equilibrium = (0, 0) because both Players plays for both Self-Interest, ignore the other's Interest.

- In this Game, Company B, and Company A in competition by High Price or Low Price. B & A Low Price Payoffs = (0,0).

- If B Low Price,  Payoffs = (4, -2) Because A High Price. - Similarity, If A Low Price, then Payoffs = (-2, 4) Because B High Price. The Payoffs = (0,0) for both, because both Low Price. Which is Dominant Equilibrium, not always the best Choice = Both Low Price Losses (0,0) rather both High Price (2,2) = small Gain. -> So the Player can handle the big Loss, like Low Price, for a long time, or one less Loss than the other Player, is in better position to put the other Player out of business because Both Low Price.

In this Game 4, both Company A & B want to Gain market shares by Playing Low Price than other = High Price. So Low Price is Dominant Strategy for both own Interest. But because both Low Price -> So both Loss or no Gain (0,0), because Gain at Low Price only when other at High Price. But no Players want High Price -> As a result, both play Low Price =No Gains or even Loss.

A Scientist said
: - Not easy to Play these kinds of Games. You need smart people in Table make big difference. Play Game Theory, Scientist can predict, forecast the Payoffs of the Game, such as, Gains, Losses, minimized Losses, Equilibrium, Human Behaviour rational or irrational in Making Decisions in Economics, Policy, Stock Market, International Conflict, Consumerism, Pricing ... Which is very important.

- In Game 3: Dominant Strategy: In this Game 3, both Company A & B want to Gain market shares by Playing Low Price than other = High Price. But different with Game 4 because Game 3, B has Dominant Strategy but A don't. So, what ever A play Low price or High Price -> B always better play Low Price in this case for better Payoffs. Depend on Data, B's Dominant Strategy could be Play High Price not Low Price.

=> Human is not smarter than Math, Complex Computer Algorithm. 


A Scientist: - Design a Game Theory between 2 Players. Each Player is given some money to play the Game. Time = in 20 years using Historical Data.

Player B Strategy: - Pay Mortgage and Buy Home

Player A Strategy: - Pay Rent and Buy Stock.

The Game's Payoff is big Payoff 10 x times for the Play B = Pay Mortgage and Buy Home than Play A = Pay Rent and Buy Stock.

The Scientist said: - Very surprised when you analyse Data & Strategy in the Game, help you solve Problems by Making Decisions by Choices, and avoid Making Decision irrational


NOTE: Game Theory has applications in all fields of social science, economics, policy, as well as logic and computer science used to a wide range of behavioural relations and making decisions. A lot big Corporations, Financial, Technology, Policy, HR, Stock Investment, International Conflict, Competition, Banks, hire Scientists using Data Intelligence & Strategy for Making Decisions.

Professor Rachel Chu, plays Game Theory to demonstrate
Human Emotion vs. Choices

Game 1:- Domination Strategy Game 3 x 4 Choices.
- Play B Dominant Play
Dominating Strategy. vs. Play A Dominated Play: Optimum Strategy

"Amazon is not too big to fail," Bezos said, in a recording of the meeting that CNBC has heard. "In fact, I predict one day Amazon will fail. Amazon will go bankrupt. If you look at large companies, their lifespans tend to be 30-plus years, not a hundred-plus years."

Game 4: Why both do not Play High Price for both small Gains (2,2) ?
-> Both can't Play High Price, because B's Gains Play Low Price (Interest) is A's Loss Play High Price. And VS. => So A or B has no other Choice but Play Low Price is the best Interest or Dominant Strategy regardless the other Play's doing. Because if you don't Play Low price the other Player will Play Low Price and Gains. Thus You more Losses B= (-2, 4), A = (4,-2). So both Play No Gains or even both Losses, better than the other Player Play Low Price Gains, other Player Lose. => A's Gains are B's Losses. B's Gains are A's Losses = Both Play Low Price for its best Interest (Gains).

People don't understand. Why not both Play High Price small Gains. Simple. Right. Thanks very much? - But not easy! No easy Compromise because Lack of Trust, because both Play for its best Interest. Not because Lack of Communication (Human). Even if both A & B agreed Play High Price, but B Play Low Price -> A will have heavy Loss play High Price. A Dilemma. -> That's why War, Conflict happen involving a lot smart people on negotiation Table using Human Communication Skill. But no result. Solve problem need Complex Algorithm.

But there is Solution. Can't explain here. Scientists apply Data Intelligence + Game Theory solve a lot complex problems. Can't Solve complex problems without Data.

-> Game Theory is NOT Play Chess Game, Toy Game. It used Complex Algorithm complexity to solve Problems 

Millionaire Households Rank in the World. New update. | Data vs. Perception, Exaggeration  
After reading this,
Continue reading: Click here

Usually, first Generation started Life from Nothing, very poor, created first "Basic Conditions" for -> Next Generation Get in Middle Class creating "Good Conditions" for -> Next Generation becomes  Millionaire ... keep on. Not easy take 3 x Generations Get in Households Millionaire. BUT, there are: -> First Generation started New Life from Nothing -> Get in Middle Class -> Become Millionaire. No need 3 x Generations Get in Millionaire Households, too long. We see this. Depend on where you live. And you have to work hard for it. Take at least 20 years. Not easy even in your own country. Even in Japan only 2.7% of population, in China only 0.3%, Canada 4.8%.

Japan: 127 millions, the best in Asia, G7.

- 48.9%
less than $100,000.
- Canada more millionaires 4.5% than Japan 2.7%. If Housing in Toronto not cooling in 2017, Canada = 5.5 %, more double Japan.
- Japan = 4 x Much Less Bottom Line only 5.3%, More Middle Class 48.4%, better than any G7. Although Less Millionaire 2.7%.
- Only 2.7% millionaires less than Singapore= 4%, Hong Kong 3.5% population are Millionaire. Lowest millionaire population only 2.7% in G7.
- Data true, reflect most Homogeneous Society, like South Korean.

US: 326 millions - In G7 Industrialized Countries
- Richest country in the World.
- 28,4% Less than $10,000
- 60,0% Less than $100,000,
10% more than most Rich Industrialized Countries
US has A Changing Demographics.
- US has 33.6% Middle Class population, 10% less than most Rich Industrialized Countries.
- US has big gap between Rich (the Millionaires, Billionaires) & Poor.
- US has more 2.5% of Millionaires, billionaires than any Industrialized Countries.
Just update: NOTE: 90% Wealth, Net worth is Home. No one puts $100,000 cash under bed. Net worth = Home (90%) + Car + Cash + Bank Account + Stock + Anything can sell - Liability (Debt)

- Canada & Graph:
37 millions - Has 48.9% less than $100,000 - More millionaires / population = 4.5%, compared to rich countries in Asia: Singapore 4%, Japan 2.7%, Hong Kong 3.5%, South Korea 1.8%, G7 like German 3.2%, France 3.3%, Italy 3.1%,  after US = 7.1%, UK 4.8%. Because Housing Cooling only 1/2 Recovery in Toronto (else = 6.0 % @ peak home price). Before Housing booming in Toronto, in 2013 = 3.7% millionaires, when 2013 Ave Home Price = $523,000. In Nov, 2018, Ave Home Price Toronto = $869,870. Predict 2020 = 6.0% millionaires.
: Ave Toronto Home Price today in Nov 6/ 2018 in GTA still los $100,000, Home in Downtown Toronto still lost $200,000, if compared to peak Ave Toronto Home Price in April, 2017. No problem!

-> People have worry about Win/Loss few thousands then never have peace of mind when Stock Up & Down -> Lost $100,000 No big deal. Home is Win Big, Lost Big. A risk to take if want big. Work harder, Saving. Stock Market recent down 10% from peak in 2018, but nothing compares with Toronto Housing Cooling started in July 2017. Ave Home Price today, although has recovered half of losses, still lost $100,000 -> $200,000.

Chile considered rich country, highest Wealth in Latin America, 3 x times better than Argentina, Brazil, 18 million population, 36% less than $10,000, 89% less than $100,000.
Brazil: 209 millions, 74% less than $10,000, 98% less than $100,000

- 51% Canadian are Middle Class Home Owners. In many Provinces, in Rural areas, small Towns, Home cheaper. For example, Quebec Ave Home around $230,000, Montreal $330,000, 2rd largest City in Canada after Toronto, GTA.
- Rich Canadian Middle Class Home Owners,
House Hold Millionaires live in Toronto, Vancouver. Because Home Price in Toronto, Vancouver more than double the rest of Canada.

- 1/2 million dollars will be on Top 10% population in most Rich Countries and Industrialized Countries like Canada, Japan, UK, German, France, Italy ..

- Who has the most Liability (Debt) ? - Middle Class Home Owners, mostly Mortgage = Bank's Loan borrow when buy Home. High in Industrialized Country. After paid for Mortgage, Home Bill, Expensive, no money left for Have fun. Household Debt Ratio / Income is 168% = Make 1$ Income -> Paid 1.68$ Debt, just for A Home to Live. A person said: - Since in Middle Class, I have no beer, no drink, no smoke, no fun. Try hard make ends meet. All Money made paid for Home.

-> People see one side of the equation is narrow minded.
Net worth = ?

- Why most development countries in Asia, like Thailand has more population less $10,000, less $100,000 ?
Could be in their Culture, Life Style, and Salary. Their Family has One Home is transferred from Grand Parent -> Parent -> Children. In Industrialized Countries this could Create extra 5 Homes not 1, because all live independently. Asia's culture, they all live in same Home, less Rent, less Living Expensive, when Salary not good. Share, Inherits same Home. -> Rather Saving for Buy New Home, they Spend all, Travel. Less worry Rent, Mortgage, Food. -> Thus not add-on value. Unlike Western Industrialized Countries, Children grow up, live away from Home -> Live independent. Have their own Home, Condos. Thus add-on more values for their own. When their parent get older, or died, then Home is transferred to Children + Children's own Add-on values. -> Next generation richer than previous.
Life Style = More than half
population still live in rural, farming, where they earn few dollars / day.

About Scientist Collect & Analyse Data: All is about Data. No comment. No mouth, tongue. No biases. No perception. Just look at these Data, will tell a lot about Social Policy, Social Classes, Demographics, Rich & Poor, the Middle Class, Working Class, Industrialized Countries, the World, big countries like China, India ...
For example, look at Data between Japan & other rich country, its equally Wealth Distribution much better, because of homogenous population, compared to US has the most diverse population. Re-unification of German East & West shows an increase 40.6% less than $10,000 highest in G7 Industrialized Countries. China reduced poverty alot only 33.4% population over 1billion people in bottom line, compared to India 90% population in bottom line.
Middle Class:
- Japan has more 2% Middle Class than Canada, Canada has more 2% Middle Class population than UK, 13% more than US. US has the most Millionaires & Billionaires in the World. A lot more ... Can't explain here


Canada: 37 millions, in G7 Industrialized Countries
- Less than $100,000: Canada 48.9%, US 60%, Japan 48.9%, China 93%, UK 50.6%, German 62%, S.Korea 60%, Thailand 99%, India 99.3%, Indonesia 99%, Philippine 99.2%, and 95% World population.
- Less than $10,000: Canada 20.7%, US 28.4%, Japan 5%, German 40.6%, UK 17.5%, Italy 25%, France 22%, China 33.4%, India 90%, Thailand 89%, Philippine 86.6%, Indonesia 85.4%
- If Housing in Toronto not cooling in 2017, Canada = 5.5% millionaires, only after US 7.5%, more double Japan 2.7%. On Average Home Price, lost from $100,000 -> $200,000.

UK: 66 millions - The best in Europe, better than German, France, Italy. In G7 Industrialized Countries

- 17,5% Less than $10,000
- 50.6% Less than $100,000

- Which country has the most millionaire households / % population in the world? -> US has the most Households Millionaires, the most Millionaires, the most Billionaires in the world = 7% of Population had more than 1 Millions -> Billions, compared to most rich Industrialized Countries had Millionaires:  South Korea = 1.8%, Japan = 2.7%, German = 3.2%, Russian = 0.2%, China = 0.5%, Canada = 4.5%. Richest country in Asia, Hong Kong = 3.5%, Singapore = 4% of Millionaires more than 1 Million.
About China:
Has hundreds of millions Chinese people don't live in big City. As said, most rich People, rich Middle Class live in big City. But by Number not by % Population, China has the most Millionaires and Billionaires rank 2nd after US. China has 7.2 % or around 100 millions Middle Class had Net worth more than $100,000 -> Less than 1 millions dollars. More than 1/2 millions, you could be in Top 5% of Population. In China, Ave Net worth Middle Class ave = $50,000 USD (North America = $200,000), Ave Middle Class Income = $11000 usd / mo. This translates into few hundreds millions of Middle Class in this Category.

NOTE: More than 1/2 millions dollars (1/2 millions -> 2 millions dollars.) But Data said 1/2 millions is enough put you on Top 5% of China Population, Top 1% of India Population, Top 10% of Japan, Canada, UK, German, Italy, French, South Korea Population. All is about Data. No argue.

-> A Scientist said: -That's why scientist used Data. No Perception. ->
Let Data define value. Get Top 10% not easy. Take 20 years Get to Top 10% in big City. All is about Hardwork. -> Very difficult, like climb on Top mountain, Hard work, Hard ship, Patient.

-> A Person said: - Not easy to Get in Top 10% in big industrialized City, because of Living Expensive. Do grade 5 math  -> After Tax, Car, Insurance, Food, Rent, Phone, Hydro, Water, Job security on/off, Entertainment, Drink, Smoke, Vacation ... Nothing left. Even just try to make ends meet just pay for Living Expensive is tough, no Saving. If I didn't get in Middle Class 20 years ago, today probably, Net worth has less than $100,000 + debt, like 60% of US, 49% of Japan, 48% of UK, 90% China population. Data very true. In big City life always Ups and Downs. You can't avoid debt no matter how rich. Buy Home less than 10 years, after 2008, or, Home Ownership less than 50% is Bank's Home. -> Advice: -> Get In Middle Class, Start Saving early, the better, it helps. I live thru Toronto, I know. Who on Top 10%, no jealousy. Hardwork, Hardship, Deserve it.

-> We look at Data of population Middle Class, Millionaires, Billionaires by Region (Continent), US & Canada, is the richest  in the world: North America -> Western Europe -> South East Asia.

- How many US Adult had Net worth less than 100,000$?
= 60% of US population. Big gap between Rich & Poor. Compared to Canada = 48%, Japan = 49%.
-> Net worth less than $10,000, bottom line. How many % Adult Population in growing Asia Countries, like Thailand, Indonesia, Philippine, India.. Net worth less than $10,000, in poverty, bottom line? - Less than $10,000 = Thailand 90%, Indonesia 85.4%, Philippines 88.5%, Taiwan 22.5%, Japan 5.3%, India 90% -> Data said India hard to feed and improve life of more than 1 Billion people. Industrialized Countries: Italy = 25%, France 22%, Canada 20.7%, China 33.4%. US 28.4% -> Data said China more than 1 billions people has Population in Bottom Line only 5% less than US, German 40.6%, UK 17.5%
-> Net worth less than $100,000. S.Korea has 65%,
Japan = 49%, UK = 51%, German = 63%, China 90%, US 60%, Canada 48%. -> Check link above.

About the Author:
As Scientist, we used Data reflects the reality, not mouth, tongue. Avoid biases. Data said so.
A bit disclose:
-> I am a Canadian citizen like any Canadian citizen of all kinds of backgrounds live in the World most diverse, multi-culture big City Toronto. I started my life alone 18 years old in big Industrialized city Toronto, from
$0.0, no Degree. Then I started early career as a College Professor, became Toronto Middle Class 19 years ago quickly, usually take at least 15 years get in Middle Class. (See my cheque in Blog). Do not judge Scientist for their Research as long as Scientists no biases, use Data, not mouth and tongue. People don't like biases. Narrow minded. Canada is one of the few richest countries in the World. Every works hard and dreams to become Millionaire, Top 5% of Population. So far, I have been working for 20 years, and contributed nearly 1/2 millions in Taxes like other Middle Class working for 20 years. People, foreigners think Canada a lot benefits for citizens. The Reality is that as Middle Class, there are no any benefits available for you, although contribute a lot taxes. Use credit card when in need or sell Home. The only benefit after lost jobs is EI (Employment Insurance) for a while, barely enough to get by, max in a year, but depend on how long you work. To qualify for EI must work at least 5 months full-time, or work total 800 hours. That's why in Middle Class try hard to make ends meet, keep working, pay Bills, pay Debt like everyone.

Update: Oct, 2018 - We update almost every day.

Office is a beginning of new kind of Pos, new way of doing business in new Digital Economy. Invest in new future. The evolution of Pos since 50 years ago: Dummy Calculator -> PC Pos (millions and millions of dollars investment in PC Pos a waste of money) -> iPad Pos  -> Mobile Pos.

-> People use Office for all Pos tasks, Place Orders in one hand, so easy.
You still run Office on iPad like iPad Pos, Tablet, iPhone, Android, Galaxy Phone, Laptop.

A Restaurant said about Mobile Pos: - Without Office Mobile Pos, we need at least 25 iPad Pos, one / table, not including Staff. Specially weekend, very busy, crowded, all Tables are full. Each table needs 2 iPad, because customers can't wait for other guest finished to place order. Every one mobile takes order same time faster than one waits for other one take order using 1 iPad. Staff take orders, hundreds of orders, then carbon copy paper bill cost 5000$ / year, enter orders in Pos, process payment. Repeat back & forth every days, months, years.
Office Mobile Pos is only choice, cost
$0.0 for iPad. While using iPad Pos cost at least $10,000 just for 25 iPad / Table, not including Licence / iPad. Using Office is like having hundreds of customers as staff take orders, process orders for you every days. Reduce a lot of pressure on staff, labour cost very high. Office Mobile Order also helps business increase revenue up to 45%, better than Drive-thru, less cost, easy implement, easy use.
=> Right now in Japan, China, they already build the first Generation of Robotics for Restaurant replace Server bring food to customers to save labour cost. And here, we still back & forth every day. No wonder less profit, inefficient.
3 Steps to setup Product Catalog - If you can setup Product Catalog, you can do & manage Office.

Complex Design is Make It Simple. People, Users don't like complexity. Most Developers don't understand they build product for common Users, not for them.

Fist of all, Login to Create First Product Catalog. 1) Create New Product Group = Japan Soup -> 2) Create New Product = Japan Ramen Noodle Soup, Add Product in a Group Japan Soup. -> 3) Then Staff Take First Order: Add-to-Cart, Pay when Customer in Store.
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Login: After register for Office Website
Account. Now Login. 
Laptop Mouse hover photo see bigger. Or Click on Photo

How to Register: Anywhere in the world, Search yourself a Domain or use your current Website. -> Then Send Email us or Submit Form -> Pay by PayPal, no need setup account @ PayPal, Credit Card, e-Interact. -> Login, Setup. Use Office. HELP: www.MyOfficeSite.com/center
- Available at your office website -> Login -> @ Admin Menu -> Get Started.

Office Login used Framework's Web Services for Secure: - This Framework built-in Web Services, Security ... 1) Admin setup Staff, Kat Lee, who is allowed Login Status, and User + PW Login. 2) To Login Authentication with Birthday, Kat Lee sends Web Service POS Request. Type Web Service API = MyOfficeSite.com/2008 -> Office verify her Login Status in system. Then send this Login Page -> Then she Login using her User Name = admin, or any Name, could be PIN = 12345, Password = whatever. User + Pw setup by Admin. Login Web Services Not show Login in public like Online Bank. Even hackers know your User + Pw but don't know your Birthday. Can't Login.
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- This Home = Main Menu  after Login
- Staff: Kat Lee is Login @ Location.
- Her Total Sales so far = $1250 on this Shift. - Init Cash in draw = $150.
Kat Lee is a Cashier or a Server. What ever she takes Order will associate with her when Login. -> $1250 could be total she takes order as Server or Cashier on that shift. Data, including Photos of her and Products & Services is stored in OOM (Office Order Management).
NOTE: It stores Photos of Staff & Products.
- Touch [3-Dashes ≡ ] -> Admin Menu. It Scrolls if more icons. ->Touch [Product] -> Product Management. Admin Menu = Settings, Get Started ... Product Menu = Create & Manage Product. - Pickup: 10/6 = Today has 10 Pickup orders, 6 Not Yet Pickup. See in OOM.
Customer View or Public View:
Not see icon [3-dashers] = Admin Menu and icon [Home] of Staff, statistics of Staff. Press [Home] back Home screen.
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- Product Management Menu Screen already has 3 Items.

- Setup: Add Product, Del/Edit Product,
- Add-on Price for Item Option, like,
Small size, Large, Medium ..
- Sort: Products by ID, Name, Group by touch arrow icon Up, Down
- Icon Black Add Item Option for that Item
- Icon Edit Product: Load data in Form for Change Price, Photo, Name, Group, like Insert Product Form below.
- Touch icon Home -> Home menu

- Click Laptop: Product Management

- List Staff on Serve & Contact = Touch on this will see a popup all Staff currently Login Office, including their Photo, Date & Time, Phone, Email ...
Touch [3-Dashes] -> List Product Menu

1) Fist Setup Group for a Product
2) Then Create New Product add in Group. -> Select Product Group Management.

- See Laptop big screen. Click, touch, or Mouse hover:  Product Management

- See small size Tablet screen. Click, touch, Mouse hover:  Product Management

- See Tablet big screen. Exact size. Click, touch, or Mouse hover:  Office Checkout Pay

- See Tablet small screen. Exact size. Click, touch, or Mouse hover: Office Checkout Pay
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- Product Group Management Screen

- There are 3 Groups: Soup, Pho,
Nails & Salon, Pho.

=> Touch [3-Dashes ≡ ] -> Slide Group Menu, then select Add Product Group to Create New Group = Japan Soup

Icon Edit Product Group

- Fist of all: Create Product Catalog
How: Select [Product] @ Admin Menu
-> First, Create A Product Group, like,
Japan Soup -> Then, Create or Insert Product, like, Japan Ramen Noodle Soup -> Insert in Japan Soup Group. Done!
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- Create Japan Group -> Touch [Choose File] popup Choose an action -> Select Documents browns to phone's Gallery -> Then Upload a Photo for Japan Group from.
- Now had Product Group = Japan Soup

NOTE: Take Photo of Customer, Employee, Product.. from Mobile in Gallery.
Then upload photo in Gallery, or in Download location on your smartphone. Very convenient.
How to Load Photo from Download location on Phone:
- Google Search photo = Japan Ramen -> Touch & Hold on Images tab of Google Search see a lot photos of Raman Soup -> Touch on Photo will see popup Option -> Choose Download image, will put image in Download location on phone.
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- Open Product Management Menu

-> Select Add New Product = Japan Ramen Noodle Soup. = Insert Product.
-> At Group Menu -> Add in Japan Soup, select available Group in Pull-down List
- Favourite:
Display Item @ Main Menu
for easy select, add-to-cart fast.
- Photo:
Load Photo from local Laptop,
Mobile for that Product
-> See photo this Item Japan Ramen Noodle Soup in Product Management.
=> Repeat 1) Create New Group -> 2) Create New Product -> Add in Group
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=> Now, Place First Order:

Staff @ Home screen, Add-to-Cart -> Pay

Touch [<=>] open Group Menu has
3 x Groups. Main Menu has 3 x items. Each Group has only 1 Item, for now.

- Customer View or Public View =
See no [3-Dashes] open Admin Menu + See no Pull down Menu Home = List Data.
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=> Touch [Pay]  check-out

Customer pay $70 -> Staff disc = $2
-> Balance = $64.41. Change = $5.59.
-> Customer gives Tip = 2$
-> Staff gives 2$ Coupon

NOTE: [Pay] Form auto calculate data like Excel

- See Tablet big screen. Click, touch, or Mouse hover:  Office Checkout Pay
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=> Now, Check First Order in OOM
Office Order Management
- If Pickup or Delivery Order will see Name of Customer, Address, Phone, Email, Time Pickup or Delivery so that Make Food on time. And Order is Pickup, Deliver or Not. IMPOSSIBLE: Tracking by Human back & forth, can't remember, on small scale. -> Use Office Mobile do large scale Mobile Order & Pickup.

Successfully. Congratulation!
You just Use Office
Setup First Catalog & Take First Order.

As said, Office maybe the first Pos System, Mobile Order, E-commerce that you can setup, do everything on Mobile.

Easy 3 Steps using Office by Staff for Retail Business, Nails & Salon ... Not Restaurant . For Restaurant click here

- When a customer in Retail Store Buy some Product & Services. The Store is not Restaurant, Food, Coffee Store, not Table Manager.

- Laptop Mouse hover around photo see bigger. Tablet, Smartphone touch on photo see bigger.

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Step 1 - Screen 1 = Process Customer Info

-> Staff Login: Search Customer by Phone
-> Enter Phone: 123-456-7890 in Search Box -> Touch left [icon Customer]. Not Right [icon Search] for Product -> Exist, see on Top Cart: Helen T 123-456-7890. Screen1.

- When a customer in store Buy some Product & Services. Staff Login -> Search Client's Phone (easiest), or Email (first part User Name of email), or Fname & Lname (type: helen t )-> 1) If Exist Customer then Name + Phone auto load in top Cart see photo. 2) If Not Exist then not see.

Mouse hover or Click: Vend Pos Payment.

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Helen in store buy 2 Bread Sandwich.
Staff type: bread. Search -> Touch: Item Option, Qty, Buy Now to Add-to-Cart -> Pay -> Done!
NOTE: Same as Vend: Buy Stripe Tee.
Type: Stripe Tee in Search box -> Touch on this item for [Item Option] select Size Medium then auto Add-to-Cart -> At Cart, Choose Qty, Discount, Note -> Touch [Pay] button -> Select Cash -> Done.
Store can ignore Customer Contact, but want to keep Contact customers for Customer Retention.

Office has 3 ways Search (Vend only 1):
1) Search Box. Type partial Title & Search. Limited space can't afford 2 x Search Box.
2) Search by Group: Touch [<->] open Group Menu Left -> Touch [Bread] Group will see List all items. -> Select Item -> Add-to-Cart
3) Scan Main Menu 50 - 60 most often sold Items daily. Admin setup which Items display Main Menu.

Vend Pos few steps

Vend Step 1: - Search Customer info -> Enter Name, Phone in top Box at right has [icon Customer]. See photo.

Vend Step 2
: - After process customer, Staff Search Product Item -> Enter Item Name = Strip Tee in top Box at left. -> Pay.-> See photo.

- Mouse hover or Click:1) Vend Add Customer & Take Order:
Vend Pos Latest Design.
- Touch or Mouse hover 2) Add Customer

Vend Add Customer
- Click or Mouse hover 3)
 Vend Add Item Option -> Touch Stripe Tee Item popup Option; While Office touch slide Item Option (screen 1)
Mouse or Click 4): Vend Pos Payment.

=> Vend is 100 millions software company and 20 years experience in business, thousands of customers world wide. They build best product. We want to show you what ever you can with Vend, Office can do: Add Customer, Search Product, Add-to-Cart Product, Discount, Note, Payment ... People said Office has more features. -> Both software is doing the same procedure.

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Step 1 - Screen 2 = Touch icon [] -> Process Customer Info -> Popup this screen.
- 1) If Customer Exist -> It auto loads Customer Data in Customer Form. Staff update & review. Screen 2.
- 2) If Not Exist Customer -> Then Enter Customer Data in Customer Info Form (no Data. Empty) -> Submit. Done!
For example, Ask Helen want receive Email since Analyst Data tells she not -> Slide [Email Opt] blue + Enable Helen in [Loyalty] Program.


Vend Pos have **Step 2** that allow Staff to Create Customer Info if not Exist.
But different with Office:
1) Staff No View [Order History] like Office
2) If Customer Not Exist
(new customer) -> Both Office & Vend popup empty Form Enter Data.
2) If Customer Exist -> It doesn't auto load Customer Info Form like Office. -> Thus staff can't Update Customer Info, such as, change Address, Phone, Email ..

- Park Sales in Vend different Office [Park]
- Park Sales =
A Customer in store buy something, forget wallet at home -> Go home get wallet. Staff [Park Sales] this order. When customer back, Staff retrieve this Order, and finish Payment.

Vend Process Order in 2 Steps

1) At Search Box has icon Customer Right side, (see photo) Enter customer Name = Adam Smith will load Customer Data in Pos. If not Exist, new Customer, will popup Customer Data Form to enter.

2) At Search Box has icon Search Left side, enter Item = Stripe Tee Search product -> Add-to-Cart -> Pay.

Why use Vend as example respectly?

- A Computer Scientist & Professor, who is Chief Architect, Design, Data Science, and Code Framework, UI/ UX Front to Back-end, Database Design, Cloud, App said:
"- Easier Said than Done!  5 millions can hire 100 developers each 50,000 $ dollars. Vend, 100 millions dollars Software Company, not small, has hundreds of smart and talented Developers. Its Software is the best in business. Although Vend's New Version has: Search Customer by Name -> Add Customer. Office also has. - Vend: Search Item -> Item Option -> Add-to-cart. Office has same Search Item, Search Customer, in 1 Search Box, Vend in 2 diff Search Box. (see photo) - Vend: display favourite Items at Main Menu. Like Office Menu. => But both software is very different. No one copy. - Vend can't: Mobile Pos, Mobile Order, Customer Self-Order, Table Manager for Restaurant, Work All Devices ...Vend iPad only."

NOTE: So far, Investors invested 100 millions in Vend Pos. It received 20 millions USD from Peter Thiel’s Valar Ventures and Square Peg Capital. https://blog.vendhq.com/post/64901824985/vend-raises-20m-funding-round-co-led-peter-thiels-valar-ventures-square-peg-capital. Recently Dec, 2016 Vend Pos also received many other funding: 9 milllions, then 13 millions, 60 millions, and many other rounds. CEO said Total value at 100 millions. https://pitchbook.com/newsletter/vend-secures-9m-investment.


Almost every Big company starts from a small Start-up, such as, Facebook, Alibaba, Apple, Amazon, Oracle ... However, Data shows that lack of Start-ups from diverse background, minority, women. Toronto, 1st largest city Canada, and 3rd largest city in US & Canada, most diverse city in the world, attract a lot diverse talents around the world, is becoming a major hub of Start-ups after Silicon Valley's high cost living and labour. In September, 2018, Uber invested more than 200 M in new Engineering Lab in Toronto, “This expansion comes at an exciting time for engineers at Uber,” said Thuan Pham, Uber’s Chief Technology Officer. Microsoft moved its Head Office in Toronto massive 132,000 square foot space. 

- Data shows gap presentation of Minority, Women Start-ups.


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Step 1 - Screen 3 cont = Touch [Order History] -> Process Customer Info.
- Analyse Customer Data:

Visit = How many times Helen in store.
Disc, Coupon = Total Disc, Coupon Helen got.
- SubTotal = Total buy before tax.
Email? = Join Email Marketing receive email or not. N/A = Not yet. Y = yes - N = No receive email.
Loyalty = Helen earned 1.0$ base on 1% of SubTotal. Setup by Admin.
Total Orders = How many orders Helen bought. In photo Order #450 has 2 x Items. See photo.

Summary Office 2 Steps:

For Retail Business, Nails .. :
Staff Login, Staff View only:
Add Customer [] -> Add-to-Cart -> [Pay] button.
- Only 2 buttons: [] & [Pay]

For Restaurant, Food Services:

Customer View / Staff View Login:

- Add-to-Cart -> [Park]. Repeat orders Add-to-Cart & Park -> [Table] Review orders & Pay.
- Only 2 buttons: [Park] & [Table]

=> All you need is 4 buttons
, [Pay], [Park] & [Table] in front menu.

When customer in store buy Products & Services, Staff will do 2 Steps:

Step 1) Process Add Customer
1) Search Customer by Phone or Email or First & Last name, enter in Search Box -> Touch left icon Customer of Search Box. See screen 1.
-> If Exist (Customer had registered ), will see Name + Phone on top Cart. Screen 1. Staff touch icon [+Customer]
next to [Pay] -> See popup Customer Form has Data, like Fname, Lname ..  in field to make sure OK. Screen 2. Although no need touch [+Customer] to Review, unless need Update info. (Vend no Update, only empty Form). Review later, Search phone again & touch [+Customer].
-> If Not Exist (new Customer), Name + Phone not see on top Cart. Staff touch icon [+Customer] menu next [Pay] to open Customer Info Form (screen 2) but all empty field, no Data. -> Enter Customer Data like Fname, Lname, Phone ... -> Submit

NOTE: If Customer Exist or Not, need touch icon [+Customer] on menu next [Pay] button -> Will popup Customer Info Form -> Order History.

Step 2) Process Order Add-to-Cart
Staff Search Item = Japan Raman Noodle Soup -> Enter ram in Search Box, touch Search icon @ right side Search Box.
-> Next, [Item Option] -> Qty -> [Buy Now] red button Add-to-Cart. -> Touch [Pay] menu button to process Payment. Done.

Easier than Table Manager for Restaurant

Office Payment.

Office Card: like Gift Card, but modernized, more powerful, no Plastic, easy Made, easy Use. Customers buy Office Card 1) Online paid by Pay Pal, 2) In Store paid by Cash or Credit Card, 3) Call in. Business self Create Office Card, just like Customer Paid by Cash. Email, Text Code to customers, or write Code on Business Card. No Plastic Card. Customers are given a Code self-generated by computer, like: X12y15# - 7 to 8 chars, case sensitive save in phone. No Plastic just Code.
- How? - When [Pay], Select Paid by Office Card -> An Input appears for Office Card only, other Pay not have. (not see in pic) -> Enter Code -> Done.
- Customer can check: Balance & History of Order by Office Card. See demo: [Office Slide Show]
-> Office Card Benefits: - Another way to Pay, better & convenient than Cash, no Transaction Fee like Pay by Credit, Pay Pal.
Office Card = Cash = Digital Money.
Invent by Office. Good use for Mobile Order. Fast pay, like StarBucks Mobile paid by StarBucks Card only.
-> Business use Office Card like its own Bank Visa Card, no Interest. Give closed Customers only Card Code, no Plastic: Buy first. Pay later.

Office Pay: See Office Pay. You choose paid by Office Pay using your Credit Card, Pay Pal.
The difference Office Pay with other Pay is that Office Pay keeps track: 1) Data History of Payment. 2) Pay by Text. 3) Get paid fast like Invoice.
For example, Landlord keep track Tenant's  Rent: Date & Time, Amount, Pay BY: Cash, Credit ...
See Office Pay Case Study

eInteract: New payment offer by Office has system Track & Manage eInteract Payment like Office Card. Not see from other system. Cost no Transaction Fee for business. Fast, convenient. Customer no enter Credit Card info, no register account, use only Email. Good use for Mobile Order, Online Order.

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Step 2 - Screen 4 = Add-to-Cart

->After Customer, Staff  [x] close Customer screen. Add-to-Cart Items.
Staff Enter Item name, i.e. 'red' search for Woman Red T-Shirt in Search Box. Then Touch on [icon Search] at Right Search Box. See photo. -> Touch [Item Option] to select Size, then Qty, [Buy Now] button for Add-to-Cart Items. -> Touch [Pay] for checkout -> See photo.


Cont Checkout.
Add-to-Cart -> Pay
Finally, touch [Pay] button screen 1, will popup this payment screen. It automatically Calculate: Discount, Balance, Change, like Excel.
For example, Total = $62,15. -> Enter Customer Payment = $80, Discount = $2, it auto self-Calculated -> Balance = $59,89. Change = $20.11.
-> Select Cash. Enter Email & check Email & Print receipt. -> [Pay Now]. Done.

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Step 3 - Screen 5 = Pay. Done!

- [Pay]: All payment in one screen. Validate Data required to make sure must enter. Self-Calculate Data like Excel.

Touch Office Card will show (slide) an Input Box for Enter Office Card Code. Touch other Pay, Cash will not see or Close box. See Pay screen5.
- Similar, touch Email in blue -> Show Email box. Touch uncheck in shade color -> Email box close.

=> We design to avoid back & forth many screens, specially on small Mobile Screen, UI/ UX save Space & View Simple. Users see many Input Box confused. This CS (Computer Science) Design called Object Relationship Design not Database Relationship Design for Database Design.
-> That's why Software Analyst & Design Project Leader must know How to Code =
Many Ways Design Software Achieve same result. -> What You Think may not efficient, no good When You Code. Same applied for UI/ UX, Database Design.

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- Finally this Helen's Order #451 stored in Office Order Management.
In Search Box, you can Search & Calculate Data quick & fast.
-> See photo Staff Kat Lee Cashier Take Order + Photo of Products & Services 2 Items sold.
For example,
Search & Calculate all Helen's Orders from 01-01-2010 -> 01-01-2019, type in Search Box: helen t 01-01-2010 -> 01-01-2019

See Office Slide Demo: 


How Office Helps Business Keep Customers even more important than find New Customers.

However, the problem for Small Businesses is that they always spend time to look for New Customers, but ignore or don't know how to keep Exist Customers. As a result, their customers go to competitors. -> To keep customers you need to spend money not just talk, smile -> Some free money or give free something like free some services, some products.

1) Build up Customer Database, the most important: 90% Businesses don't have Customer Database, Golden Data. What a big lost no Customer Database. Using Office, after few years, you can have thousands of customers in Customer Database System. Then you can export Customer Data to Excel to keep private.

2) Email Marketing: for Promotion. Keep contact. Informing ... Office lets you check customers from Customer List, then send email to many customers.

3) Customer Retention: Modern day Sales & Marketing, Get Customers in store easy, but Keep Customers difficult. Office creates few Customer Retention Techniques: Coupon, Loyalty, Discount.

- Coupon: Give 5$ Coupon, Print on receipt. Scientist found: - 90% Customers will back Store or Give 5$ coupon to friends. A Referral. Coupon -> Customer Retention + Referral. Generate more Customers.

- Loyalty Program
: Like points, stamps. 1) You setup Loyalty Program based on SubTotal. such as, 1% Loyalty. Thus 100$ -> $1 earn Loyalty.
2) You setup Loyalty Program based on Visit. such as, Setup each Visit = 1 Stamp. Each Stamp = 2$. -> Thus Helen has 5 Visit -> 5 Stamp earn Loyalty = 10$. That's why Office Tracking Visit -> Look at Visit @ Order History. In photo Helen = 5 Visits. -> Determine a Customer  How Much They Earn Loyalty. Then Email/ Text to inform customers -> Bring them back store = Customer Retention.

For example, Mac Donald has Loyalty Program = Buy each coffee -> Get 1 stamp. -> 8 Stamps get 1 coffee free. -> Thus, after spent money for 5 coffees, 90% will come back to buy more 3 coffee in order to get 1 free coffee. -> This called Customer Retention to encourage customers back store, spend more.
For example, Encourage customers Go Back Store -> Loyalty Program based on Visit.  Encourage customers Spend more -> Loyalty Program based on SubTotal.
-> That's why Office track & provide Data for Visit & SubTotal.

- Discount: Rather reduce Price. Give Discount. Business No Profit because Keep Reducing Price. In the end, every one Out of Business.

4) Customer Order History -> Customer Profile: Helps business know What Customer Wants -> Customer Profile. Thus when have promotion for that Product or that Service, you inform customer ->  Bring customer back store. Promotion to Buy other products fit in Customer Profile. For example, Big Businesses analyse Customer Data of Customers, who buy a lot baby diapers -> She is having baby -> Send her promotion of Baby Products. A Data Scientist said:- By analyse, look at Customer History Data -> You can know a lot about a Customer, social status, their career, their earning, their hobby, what Products & Services they like ... So that you create a Campaign to target them, bring them back store, retention. Unfortunately, a lot Businesses don't have system to Track Customer History Data. A big lost.
NOTE: That's why Office, by Design, can Track Customer History Data for every each Items bought by Customer.

5) E-commerce, Mobile Order: Helps Business Do Online Business. Track Pick-up / Delivery.


  Update: - We update almost every day.
The Requirements for: Buy Home or Start-up:
- Persistence 20 y / 9-5. Start-up will be faster, not long 20 y / 9-5.
- Commitment
Home or Start-up ups/ downs, temporary setback, but no give up. Almost, Start-up at the beginning is always challenging, difficulty, setback. Understand risky when Buy Home or Start-up. Do not afraid of mistakes and try new things. The more mistakes, the more we learn. 
- Skill
work hard, make it happen. Creativity, Innovation.
- Capital
money for Deposit. Else may take longer buy home.
- Passion
for something,
- *Vision
something will Big. Think Big. Out of comfortable Boundary. Modernize. Lager scale.
The most important requirement for a Person, a Manager, a Start-up, a Business. Donald Trump dreamed to become US President since 1988, 30 years ago when 42 years old. He finally achieved his dream in 2017, become US President at 71 years old. Don't limit yourself. Never too late to achieve your dream some thing.

- A lot entrepreneurs do Start-up few years, not make a lot money, give up -> Will not success.

A Story: Star Bucks: 25,000 location Stores world wide, hundreds of thousands employees, revenue in Billions -> Still in need of Mobile Order Technology. It hires a new CEO to implement Technology for their stores.

Mr. Schultz Chairman StarBucks, no background Technology, had wealth of experience building & growing stores in tradition, from few stores to 26000 stores. On average, 70 stores / mo. Then he has Vision for Star Buck's store in New Economy. He open mind, recognized the change of doing business in Digital Economy, fast, efficiency, large scale.
-> So he hired Mr. Johnson, background in Technology as CEO, in April 2017, to build
Cloud & Mobile Model, Mobile Order improve, enhance Customer Experience. -> Most Big Billion Businesses run by CEO background in Technology, like Facebook, Microsoft, Amazon, Google, Netflix, Oracle ... Their Vision ran business different.

- Almost small business stores still don't have Mobile Order like Star Bucks. Mac Donald just offers Mobile Order -> But hard to use. Customers said:- We just need few minutes to place order, quick, easy. Not Social App used every day. Phone already had so many Apps.

Recent Statistics shows
: Today busy time, people less sit & eat in store. They Drive-Thru (need large parking & drive-thru space, very expensive, not for all location) or Mobile Order and Pickup. Some Businesses have parking but can't drive thru. They creatively offer their staff bring food, orders to parking where customers park. Customers don't need to walk-in store pick-up. Which contributes to increase from 40% -> 50% of Sales. ->
Mr. Schultz has Vision the Future of Store in Digital Economy. Small business can't see in Tradition.

Mobile Order much better than Drive Thru:
1) Less expensive cost, Parking space & construction Drive Thru 2) No cost of 2 Staff Take Orders like Drive-thru. Mobile Order customers self take order. 3) Quick, fast, easier than Drive thru line-up 4) Save lot of Time & Money. 5) Easy Setup. 6) Reach out diverse customers rather than same customers almost 95% same community.

- Office is the first product, by Design, that offer Mobile Pos, Mobile Order that doesn't cost a lot of money, make it easy for all kinds of customers to use. Even Vend Pos, 100 millions dollars investment still doesn't offer Mobile Pos, Mobile Order -> Then Who Can?
- Almost Pos: PC Pos, iPad Pos.
- Office least Requirement
: iPhone or Android Phone, Pos Printer. Not seen on market a system that does everything, Pos, Mobile Order, Tracking Data Analytics, Order Management... A -> Z only on Mobile like Office. Ask other Software Company: - Can we just use your system on Mobile only. -> They said: - No. Can't.
Maybe few small features.
NOTE: Office can use on Laptop, Tablet, iPad, iPhone, Samsung Phone - All Devices. Other System: No Laptop, no Tablet, no Android Phone, no iPhone -> Mostly Pos on iPad, because By Design, Lay out its Interface, UI / UX on iPad Large Screen, Space, easier than Small Screen Mobile. Very hard by Design a whole Pos system fit-in small screen Mobile. -> Other System only iPad Pos. -> That's why called iPad Pos.

Office easy Use
: Touch Office icon on mobile -> Open.
Office Technology: Use the latest $400 million USD Framework Technology that has been used by Billions Software Company .
Office Affordable: - No extra Licenses,
unlimited Licences, no extra Hardware, Software. Other package: 5 Staff  use, Cost = $450 usd / mo, $5400 usd / year. Office cost less than $950 usd. Office is only system allowing Customers Order in / out store using their mobile.

- When will it happen to a store near you?

A Story:- I live in big city more than 25 years, not see this happens yet. Mobile Pos and Mobile Order integration. When Customers can place order in / out store using their Mobile? -> I see this from big Business Star Bucks, MacDonald just has, but not see from small business, mom & pop Store. Only 1 Japanese Sushi restaurant gives us one White thick & heavy Tablet Hardware, not Android nor iPad, special design by a software company that also built-in ordering software @ our table 4 Guest for us to place order. We keep ordering food from this tablet # 4, like Office Table Manager. When done, we waive. A server came with a Debit/ Credit Card Payment Terminal rent from a local Bank, at our Table for Payment & Print receipt. The owner said, very expensive cost $10000 for a whole Ordering System. It is worth it. This Automation helps restaurant alot, specially when busy, a lot customers. The Ordering System does not not integrates with Pos system. Both system separated. Staff must input data on print receipt into a separate Pos system. Like tradition Restaurant input data from paper bill into Pos system. We ask if can place order from outside store like Mobile Order. He said: - No. ==> See right side Office.

NOTE: Japanese Business is very good at Innovation, at using technology for efficiency, modernizing, and Automation. In Japan, a lot Sushi Restaurants by Design, no server: Customers seat around Kitchen Counter -> Chef delivery food to Customers on trail rail around counter. This is good for small restaurant.

How Office System Working.
- Store minimum requirement, just need an iPhone or Android Phone or a Tablet, an iPad.
- When customers come & sit at Table # 4 -> Staff or Customers use smartphone. Can't afford each Customer / Tablet. -> Each Guest or one Guest at Table #4 Place Order for all Guests: Add-to-Cart -> Just Press [Park] blue button. Then 10 mins later, Staff or Customer continues Order: Add-to-Cart -> press [Park] on Menu.
-> After Done Eat.
Staff comes to Table 4 or Customers come to Staff Counter -> Pay by Cash or by Credit Card -> Staff touch [Table] at Menu next [Park] button -> Touch Table T4 -> Touch [Pay] -> Popup a Pay UI -> Enter Payment -> Automatically Calculate Change, Tip, Disc + Print Receipt -> Done. See Slide Show @ Active Table Manager.
-> Customers can Mobile Order outside store.

Easy 2 Steps using Office to Place Order by Staff or Guest for Restaurant

1) For Staff Use.
= Staff View: Guest (Customer) in store sit at Table T1.
Staff use Office: Add-to-Cart ordered Items -> Then touch [Park] menu button -> Guest @ Table 1 need more orders. Staff back at T1. Repeat taking order many times:
Add-to-Cart  & Park. -> Touch [Table] to view orders -> Finally, Process Payment @ T1: Touch [Table] menu button -> Touch T1 from List of Tables -> Touch [Pay] -> Enter Data: Payment, Disc, Tip ... Done!

2) For Guest Use.
= Guest View: When Guest (Customer) in store
want self-take orders. Guest @ T1 use Office on their iPhone, Samsung Galaxy Phone: Add-to-Cart -> Repeat -> Touch [Table] to view. After Done eating, Guest send message for Pay (or call staff)

-> For Laptop, use Mouse in or Mouse hover see bigger photo. Use Tablet, Mobile just touch on photo see bigger.

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1) Staff /Guest Add-to-Cart -> Touch [Park] button on menu. That's it.

Continue Place Order many times. Staff come Table take order, or Guest Self-order: Add-to-Cart -> [Park]

Find Item fast: Use 1) Search. Type: ram -> Japan Ramen Noodle Soup. Or, 2) Scan thru main screen display 50 - 60 most Sales Items. Or touch [<->] select from 3) Group -> List of Items in Group

Add-to-Cart: At Item Japan Ramen Noodle Soup, 1) Touch Item Option to select size Small, Medium ... 2) Touch + / - for Qty -> Touch [Buy Now] button Add-to-cart this Item.

Change Qty, Table/Seat: At Cart, touch blue button [T:T3/S1] change Qty =1 -> 3, and Table / Seat from T3/S1 -> T3/S2.

- There is [Help] button menu, can't see here. On top screen, shows short Instruction.

Small Business Enterprise Success

1- Keep Changing. Repeat same business model 5 years = same stuff, 1 Store => To next 10 years = still repeat same stuff, 1 Store, then never grow, boring. Need Change.

2- Innovation, Creativity. Can't run business the same model over and over again. Be different -> Innovative. Not follow tradition, copy others, do the same others doing.

3- Leverage Technology, the Internet, Cloud, Mobile in Large Scale. Without Technology hard to grow next level, even big like StarBucks. The Internet, Cloud, Mobile will help businesses do business faster, efficient, reach out more customers, large scale.

4- Surround, hire smart, talented people
According to Steve Jobs, Jack Ma, you should hire the smart people. -> When your business at 1/2 millions need certain kinds of people, at 5 millions need different kinds of people. So on.

5- Believe in yourself. Think differently. Open to new ideas. Not afraid of mistakes. Learn from mistakes

6- Think Big
You open small business but always think expand, large scale. Today, Internet, Digital Economy allow small business grow business large scale less cost.

For example,
rather open 10 locations cost alot money + manpower + hard to manage -> You open Online Business, Cloud, Mobile, less cost, less manpower, easy manage, and reach out more customers than even open 100 locations.


Office is a beginning of new kind of Pos, new way of doing business in new Digital Economy. Invest in new future

Why Mobile Order & Pick-up better than Drive-thru?
Both Sales Channels same: Order & Pick-up. But Mobile Order better:
1) Easy, less Cost to build Mobile Order than to construct Drive-Thru: need large private Packing, Rent
2) Time is Money. Cost Staff: Mobile no need staff. Customer self-order. Save Time. While Drive-thru needs 2 x Staff take order. Time consuming.
3) Location:
Only few Stores can build Drive-thru for their store. Need license, permit.
4) No wait in line for Mobile Order. Staff even brings food to customers waiting in store's public parking. But Drive-thru wait in long line

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2) GUEST see this Screen -> Guest View:
- Guest at Table 3 touch [Table] button menu next [Park] any time, see this screen. Touch [Guest @ T3] button to Review Orders, Item List, and which Items served.
- Guest View can't see Button & Features used by Staff View Login

Active Table Manager = Tracking Table currently occupied, Guest eating. Track: Who place order, Guest or Staff, Name & Photo of Staff? - Which Items for what Table/ Seat? - Item Desc, Price, Qty, Is Item served? - Table/Seat, Total Sales, Order Number#, Date&Time ...

Guest: Only 2 x screens: Add-to-Cart, finished -> just touch [Park] -> touch [Table] anytime review List Orders.

These Steps exactly What You See Is What You Get.
- Bigger Photo
may same screen size of your phone. Touch screen.

Jack Ma quit teaching in College to experience real life. He saw opportunity in small business from watch movie Forest Gump. He said: "- I've seen people make a fortune by catching shrimps, but I've never seen anyone make a fortune by catching sharks and whales.” - This is how Jack Ma parallels Forrest Gump into Alibaba’s successful business strategy.

As we said :- In any countries, 90% are small businesses, mom & pop stores, Home based businesses. They are in millions and create most jobs. While medium & big businesses are in thousands.

Small Business Enterprise Success continues...

7) Open to new ideas. Think out of the Box.
Inside the box, you will not see things clear.
Small Business Strategy
=> Compete with the bigger, do not do the same they have done. Then hard to win. Must differentiate from them.  

When Less Money + Less Resources -> Use the Technology + the Internet in order to Leverage your Potentials, Compete the bigger, and Grow Business next level. This Strategy we called:" - When you are small -> Use Innovation against Tradition. Use Less gains More. Use Small against Big. Use Weak against Strong. -> And The Tool is the Internet. The Tradition Management in back Office will not work if not Leverage the Internet, the Technology." -> That's why you see most CEO from big Companies are Technology background. Even StarBucks hired CEO Technology background. A Coffee Company, 25000 locations runs like A Technology Company efficiency, large scale. Mr. Schultz alot experience build from stores in Tradition. He recognized doing Business in Digital Economy is different. But his Limitation is no Technology background, not Like it, not mindset for that -> So he hired new CEO with Technology background. -> Today, every thing you want to Manage & Sell has been Managed & Sold by Technology -> The Boss, the Manager do not like Technology, mindset not in Technology, Tradition Management Style -> Will never ever use Technology. Don't believe it, not Like It. Even they know Technology good for them.

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2) STAFF see this Screen -> Staff View:
- Staff Login -> Touch [Table] button on menu, see List all Active Tables occupied by Guest. Touch each Table see List Item.

- When an Item is prepared ready for Guest, Staff touch
Item Ticket Number [469] = YES, also tell which Item has been place order first.
- When Staff Login @ Table Take Order, the Name & Photo of Staff appear, not Phone icon & Self order.

- When Guest @ T1 Pay
, Staff touch T1 -> [Pay] tab for Payment T1.
A customer Story:
What we want is simple:

Mobile Pos easy for Staff Take order, easy for Customer, Cashier. We like new stuff, new model Mobile Pos, portable, mobile, the next Generation. And what ever devices available we can use as Tablet Pos, iPad Pos, touch Laptop Pos. No cost for extra Hardware.
NOTE: 5 staff need 5 iPad = Cost a lot money, specially countries in under development. Office goes Global; While other Systems too much cost, can't. Every one has smartphone. A lot businesses, Staff, Cashier, Customers use Smart phone + Office  = Easy, Convenient -> Can't afford so many iPad for each Staff, Customers, Casher. That's why need Mobile Pos.

2) Staff Take Order using iPhone, Android Phone, Galaxy Phone, iPad, Tablet, iPhone, Android. We can't find any System offer this, only iPad.

3) Customers Self-Order in store Bring All Devices, using what ever Mobile they have either iPhone or Android Phone. Can't expect all Customers have iPhone only. Big challenge even for 100 millions Software Companies. Because can't afford Time & Money to build different Pos App (big App not small App) for different Phone.

4) All-in-One App, no plug-in, seamless Integration for easy use & manage.

5) Mobile Order, Good for Sell & Marketing. Reach out more customers out of small Store's Space. Today, less people eat in store -> See Drive-Thru & Pick-up @ MacDonald more than people eat in store. Although Office Mobile Pos is also used for Local Order & Delivery. Why Local Delivery no better than Mobile Order & Pick-up? -> 1) Local Delivery is not Drive-thru & Pick-up. 2) People don't want big order like over $25 for Delivery. 3) Store doesn't make money use Driver to Delivery for $25. Gas, Insurance, high Fee. 4) Wait long time. 5) Local Delivery only in limited Area near store. No reach out more customers like Mobile Order.
Mobile Pickup the best choice, like Star Bucks -> Help increase 40% - 45% Revenue. Most Pos don't Sell, don't generate Revenue, only Take order, like dumb Terminal. We used to run business use Paper Bill, no Pos. Revenue more important than Pos. Our store can't Drive Thru. Mobile Order & Pickup is used like Drive-thru, less cost, easy implement. Staff bring Order to Customers pick-up at Parking. No Walk-in. Convenient, save Time. We also use Mobile Order for Delivery, but must order over 25$, and live in a close area near Store.
NOTE: Office Order Management track: Time of Orders & When pick-up / delivery, Address, Phone, Status: Is pick-up / delivery yet ? of Orders. -> Technology fast, efficiency, large scale. Human can't handle, back & forth, few customers, small scale.

6) Price & Affordable. All-in-one Licence. No extra License, no extra Terminal, no extra Register.
=> Only Office can offer all 5 solutions, no extra licences
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4) Staff touch [Pay] tab see this screen [Pay] popup for that Table T1, not T3. After paid, T1 not see on Active Table Manager.

- After Done, Staff come table T3 or Customer @ T3 come @ Counter for Payment.

- Staff touch [Table] menu see List all Active Tables -> Touch T3 -> List T3 -> touch [Pay] tab popup this UI Payment screen -> Enter Data to Process Payment. When enter, Data self calculated like Excel & Print receipt. ==> Done! No back & forth

A Computer Scientist said:
- Pos (Point of Sales) used for B2C or Business-to-Customer to register or enter sales data into a Pos System in order to keep track Sales, invented 50 years ago, could be replaced by another Technology more powerful.

A Computer Scientist said: - As a Scientist who spent years to Design Software from scratch, not from existing Product, who research in Framework, Enterprise Architecture, MVC, Data Driven Architecture, Database Design & Implementation, UI/ UX, App Work On Devices, can understand this. No text book, school test, school teach this. What customer said is a proof. Why Big Business invest 400 millions USD to build Framework for? Data Driven Architecture - What about it? - Pos, invented 50 years ago, could be replaced, disrupted by another Technology more powerful. The next revolution would be Mobile Pos, Mobile Order, Automation, more Affordable for customers use.


A customer said: - We phone 3 company provide Pos, and 3 of them valued 80 millions -> 100 millions in investment. The best in business. What their System can offer:
- System run only iPad. No iPhone, no Android, no Tablet, no Laptop.
- No Mobile Pos, no Mobile Order.
- Impossible Customer Self-order use either Android Phone or iPhone.
- 3 x iPad: 1 at Counter, 2 for Staff carry in store =
$2000 / year.
=> Only Office can offer this solution, no expensive Licences.


Office is not just another Pos.

"- The big opportunity is in Global, where small businesses don't have a lot of resources like SMEs in Industrialized Countries can afford a Pos System with 3 Staff / Pos = 2400 $ usd / year. That's why Office All-in-One Price is so affordable, no cost extra Licenses, no cost extra hardware, no cost extra iPad. A smartphone is good enough to run a whole All-in-One Office. Do all tasks from Front-end to Admin Back-end, from A -> Z. "

=> Most Pos today help Business Take Orders, Manage Orders, but don't help Generate Revenue. This is one of the difference between Office and other Pos Systems.

Rather open 10 locations cost alot money + manpower + hard to manage -> You open Online Business, Cloud, Mobile, less cost, less manpower, and reach out more customers than even open 100 locations.


Why Mobile Order & Pick-up better than Drive-thru?

Today, less people eat in small space store. Attract people may live far away, drive around in the area, on the Go work or Go home. Attract people from different communities. Mac Donald's example 55% revenue from Drive-thru. Both Sales Channels same: Order & Pick-up. But Mobile Order better:

1) Easy, less Cost to build Mobile Order than to construct Drive-Thru: need large private Packing, Rent

2) Time is Money. Cost Staff: Mobile no need staff. Customer self-order. Save Time. While Drive-thru needs 2 x Staff take order. Time consuming.

3) Location: Only few Stores can build Drive-thru for their store. Need license, permit.

4) No wait in line for Mobile Order. Even better than Drive-thru, Staff even brings food to customers waiting in store's public parking. Drive-thru wait in long line, needs staff take orders.

5) Mobile Order no need driver, no need Delivery, cost money, staff waste time, no profit, wait long time for food delivery, like Local Delivery that needs order at least 25$, only limited area near store. Can't delivery far.

-> That's why Office built in Mobile Pos, Mobile Order, All-in-One App integrated, easy Update & Modification, Work All Devices that no Others built.
->  North America has 35 millions small businesses. Just have 15 - 20 thousands customers will translate 100 millions valued company, 2000 employees ave salary = $45,000. Or have 7 - 10 thousands customers will translate 40 - 50 millions valued company, and 1000 employees ave salary = $40,000.
A lot Internet Companies even no profit, but valued Billions of dollars. Office goes global where small businesses can afford Office All-in-One Price.

-> Why we can reduce Price but others can't?
Because the Framework Technology allows us to build software product so much Efficient, Light, Fast, Powerful, Large Scale, Data Access, Transaction Management, Remote Access Network, Memory Allocation, Resource Optimization. Which helps reduce cost of Hardware, Server, Network to host Office. While other system need multi millions platform, network, heavy-duty servers to host their software.

For example, our Cost / Office = 5$, other system may cost 10 times more = 50$ / Software of resource allocation for Network, Hardware, Servers. When having more customers, they keep adding more servers, more cost because their software heavy, not efficiency, consume a lot of Network & Servers' resources.

Another Example, You have e-commerce website, cost hosting 20 $ / month. Then your website has more customers to tens of thousands customers, not talking hundreds of thousands, millions, very slow, because your website is built by Web Software Technology not good, not efficient, not resource optimization. Data Access not efficient, congestion, traffic slow, bottom neck You can't re-code, re-design you website, even cost more, take years. So the only option is ask the Host Provider to increase hardware, keep adding more Memory Heap, more Servers, more Network. Now the Hosting Cost goes more triple from 25 $ / m -> 100$ / month. If you build software cost $100 / month, then you must charge business customers using your software for E-commerce website $150 / month to make profit. Big multi billions Corporation rely on their expensive multi millions Servers, Network. But small & medium Business that sell software can't hardy afford the cost. -> As a result, too late to re-code whole software again! That's why we keep talking about 400 millions usd Framework. People who never build Software Framework product, don't understand. Very hard to explain people never went thru hard experience. We no choice but scrap a whole our old software took 5 years Time & Money. No regret 5 years Time & Money wasted, better than keep building Office Building on a weak foundation. We choose re-build. -> However, you don't have to re-design a whole software. You can just add-on new Apps using different Technology like Framework, work on different Database or same Database, for new Projects.

- Drive Thru a lot cost, need private space Packing, more Rent, Staff Take Order, hard Build, long wait Line. 90% store can't construct Drive-thru, only big business.

-> While Mobile Order no need
private Parking, easy Build, Staff because Customer Take Order. Very tiny Cost.

- Big like Mac Donald, thousands Stores has: Drive Thru + Mobile. Small Business 1 small space Store needs Innovation.

-> That's why Office built in Mobile Pos, Mobile Order that no Others built.

Office's Park is different with Vend Pos's Park. Click & see Vend Pos latest Design  |  see Vend Pos old Design

So far, Investors invested 100 millions in Vend Pos. It received 20 millions USD from Peter Thiel’s Valar Ventures and Square Peg Capital. https://blog.vendhq.com/post/64901824985/vend-raises-20m-funding-round-co-led-peter-thiels-valar-ventures-square-peg-capital. Recently Dec, 2016 Vend Pos also received many other funding: 9 milllions, then 13 millions, 60 millions, and many other rounds. CEO said Total value at 100 millions. https://pitchbook.com/newsletter/vend-secures-9m-investment.

Vend's Park = When a customer buys something, but forget wallet home or something busy to leave store, will come back store later. Cashier Park that order, when customer comes back, cashier will retrieve that order, then finish the sales register of customer's order.
Use Office this Case: When Customer back, Cashier Retrieve & Fullfill order by Office Order Management -> Touch [Blue Button Payment] -> Enter data.

Office is used for all kinds of Businesses. Design System for Coffee, Restaurant Business, Business has Customers sit @ Table, Repeat order by Group of people ... is more difficult than Retail Business, Nails & Salon Business, Supper Market ... Which order more simpler, one customer Check-out one Order at a time, not repeat orders, not group of people order, not track Table/ Seat.

For the Businesses like Retail, not Food, Coffee, Table, Restaurant: Need collect Customer Info. Process One Order at a Time.
1) Touch [Add Customer Icon] next to [Park] button, will pop up an
UI Data Entry to collect data to Create Customer Account such as, Name, Birthday, Address, Phone, Email... and Save in Customer database system. If needed. -> 2) Add-to-Cart many Items to Create Order -> 3) Touch [Pay] next [Table] button, will popup UI Payment Data Entry enter data. No Park. No Table Manager -> Done. Order register in Office Order Management.
For example, Vend Pos By Design good for Retail Business but hard for Restaurant. In store, Customer buy some thing -> Staff Add-to-Cart items to Create Order + Create Customer Info if needed -> Check-out Pay -> Email & Print receipt. No Table Manager.

There are Systems By Design good use for Retail Business, Other Business, but not Food & Restaurant Business, and vice versa, by Design good for Food & Restaurant Business but not for Retail and Other Business. Office by Design good for all kinds of Businesses.


- A Coffee Store Company, but run like a Technology Company. Without Technology, will be very hard to grow Business next level, large scale.

- Office 1st Mobile Pos A - Z
- Add-to-Cart -> Pay -
> Business not Restaurant, not Table like Retail
- Add-to-Cart -> Park -> Restaurant
When design Pos, Developers follow tradition Pos on iPad first, easy Large Screen. No one though Pos is on Mobile, hard.

Office is
by Design Mobile first.

Follow Tradition = Not want to Change. Copy ideas. Not Think difference.

- The First Mobile Pos, Mobile Order Integration. Easy use. Office least Requirement: iPhone or Android Phone, Pos Printer. Not see on market.

- Important Office Features not found in other System
- Office Mobile Order seamless integration
- Office E-commerce seamless integration
Office Mobile Pos, first system can run completely on Mobile like iPhone, Android Phone from A -> Z.
- Office lets Customers Self-order use Mobile
- Office run on Multi-Devices can run on iPhone, Android Phone, iPad, Tablet, Laptop. While other System runs only iPad, not even iPhone, not Android Phone, not Laptop, not Tablet.
- Office by Design for all kinds of Businesses.
=> We check with many Software Companies, that investors put at least 100 millions dollars. They don't have these features. In any country, small businesses around 90%, in millions of them. Big market. While medium & big businesses in thousands.
We build Office
70% Time & Money less than other Company. Their App run only iPad. No Mobile. No Android & iPhone. No Laptop. While Office all Devices.
All is about Design. Many ways of Designs to solve problem. Good Design made easy, save time & money. Why many company with 100 millions investment still can't offer features like Office? -> Feature like Mobile Order, they can't, given big resources, alot developers

Pos Revolution:
Big stand PC Pos -> iPad Pos
-> Office Mobile Pos, New Generation Pos. ->
Reduce Cost, any where, convenient. On hand Customer Place Order. Staff Mobile Pos, Take Order anywhere, On site.

- Office Mobile Pos = Big Stand Pos, iPad Pos

 Benefit: Mobile, not heavy fixed stand. Customers Take Order in store. Reduce Cost: 1) Both Staff and Customers Take Order. 2) Can't afford each Customer / Tablet. 3) Use Carbon Paper Bill (350$ / mo, $4500/y) & Cashier back & forth. 4) Buy Hardware Terminal, Tablet
Office flexible both
: iPad, Tablet Pos & Mobile Pos.

- Office Payment Screen - Easy & Fast. Auto calculate.
- Payment in one screen. No jump back & forth.
- Check & Verify important Payment, Pay By no select.

- Touch & Try - Resize screen same with your smartphone. Easy, Convenient, Comfortable, Flexible.

After Done, Customers Pay @ Counter or Staff come to Table.
Staff Take Payment: - Touch Slide select Pay By = Credit Card. Enter Payment = 50$, verify if not enter. Enter Disc = $2. Order Total = $37.29 from Cart auto display. -> Change automatic calculated & display. Number changed when enter. Then Staff enter Tip, Coupon print on receipt come back, Note, Email. -> Touch Slide select Email, Print receipt. One or Both. -> Finally touch [Pay Now] send Email receipt & Print Receipt.

A Developer said:
Design Software run on Laptop = not enough, will re-Design later. Thus waste Time & Money. Get Right at the Beginning. The Reality is different. => Today, only 30% Users run software on Laptop. And 70% Customers Bring All Devices.
-> How do they build Office in Cloud and App, UI/UX on Framework, Work All Devices. No many Apps cost Time & Money, even
100 millions company can't afford another App for iPhone, another App for Android, another App for Tablet, for Laptop, which makes very difficult for small businesses no IT like restaurants, mom&pop shop ... to Use & Update & Maintain all kinds of Apps.
-> As a result Office has advantages, can offer
Self-Order & Mobile Order, which allows customers Place Order use their iPhone or Android Phone, Samsung Galaxy. While other System only iPad. Now you understand why App Works All Devices has advantages: 1) Easy Use & Maintain All-in-One App 2) Customers Bring All Devices. 3) Self Order & Mobile Order require Bring All Devices. 4) Save big Time & Money. Reduce cost 70% of Software Development, and achieve Bring All Devices: Laptop, iPhone, iPad, Tablet, Android Phone, Samsung Galaxy. 5) Currently, this is popular Software App Development.

> Compete with the bigger, but do the same they have done. Then hard to win. Must differentiate from them.

All Pos is the same, although different Look & Feels, different Designs, but result is same as Pos. Now you design another Pos, then nothing new, the same - Just Another Pos. That's why Office design A Different Pos. Features like: Mobile Pos, Mobile Order, Customer Self-Order Automation, Office Menu, Office Order Management, Office Table Manager, Office Card, Search, Pricing & Licences, Easy Use, Work All Devices, Work All Businesses (i.e. Some Pos good for Retail, but no good for Food, Restaurant, and Vice Versa) ... differentiate Office from other Pos.

NOTE: This Developer is right. Well explain. Office not just Mobile Pos, but also iPad Pos, Tablet Pos, Touch Laptop Pos large screen, Laptop Pos = Bring All Devices.


Customers say in few words: "- We use Office for Database Product Website can Create & Update Products, for Sales & Marketing, and for Online Order E-commerce, Mobile Order, and Pos. Keep track Sales Data, Manage business better, Operate Efficiency, Self-Order if needed, Pick-up, Delivery. We now reach out customer anywhere, online, mobile, on any devices: Laptop, Tablet, iPad, iPhone, Samsung Phone, Smart Phone, large scale. Office is easy Use & Maintain, affordable Price, no extra Licences, and good Software Quality.
Requirement: - All you need is a Laptop or Tablet, iPad, or just an iPhone, any Smartphone (All demo on Mobile as seen.) run All-in-one Office Software, and Pos Printer. No need expensive Hardware, Software. No need website. Just Info Website, no Database, can't update Info, Photo, Price, Promotion .. cost $699.  " 

- Office is the first product, by Design, that offer Mobile Pos, Mobile Order that doesn't cost a lot of money, make it easy for all kinds of customers to use. Even Vend Pos, 100 millions dollars investment still doesn't offer Mobile Pos, Mobile Order -> Then Who Can? - Almost Pos: PC Pos, iPad Pos. Office least Requirement: iPhone, Pos Printer. Not seen on market.

- When will it happen to a store near you?

NOTE: Office is the first Pos run whole system By Design iPhone, Mobile first.- Others By Design large screen iPad first, called iPad Pos. Website can Login & Update has Database cost more than Info Website, E-commerce $1500, Mobile Order $2000. Office cost less than Database Website, E-commerce, but Do more: Create & Update Website, Sales & Marketing, E-commerce, Mobile Order, Pos, Data.

, 2018 - Housing Toronto for August, 2018 comes out the Housing Report in Sept 06, 2018 that Home Sales, and Home Prices continue higher.

- This Photo took from a Reporter did a presentation on Home Report in a Video clip. Home sold from the Reporter. We paste in photo a few Headline News.

- Home Supply continues a big issues. People back in market search for Home very tight supply in market after a year of housing cooling. Currently Housing in Toronto in a situation that is:
More Buyers, but Less Sellers, Less New Home Construction -> Tight in Supply. So need more Home Supply. But doesn't mean Home Price goes down. Look at the Demand Shift Chart: When more Buyers, Demand Shift right from D2 to D1  -> Supply Shift also increase from Q2 to Q1, high Quantity. => The Price Shift from P2 to P1, pushing Price even higher. For example, current Stock driven by Demand Shift, more Buyers -> Stock Price higher, Volume higher, Stock higher.

- Ave Home Price = Ave of Home + Town home + Condos that reflects Up/ Down trends, and a glance at Price of a whole Property Market. For more accuracy, people go deeper into each Districts of Toronto, and GTA Districts around Toronto + And deeper in each Type of Property like: Home, Town home, Condos. Toronto is big = Old Toronto + GTA.
Home Price
depends on: Location, Renovation. A 50K renovation, such as, Open Space Living Room, new Kitchen & Cabinet, modernize & extended Bath Room, extra Bed Room, new hardwood Floor, new Paint, improve Basement like Kitchen, Living room, extra Bed room, Bath room,
could increase Home Value to 65k.

- A Scientist explains: - Home Sales Down or Home Sales Less, but Price Up because of Supply Side = Less home owners want to sell their Homes + Less New Home Construction = Supply Decrease S1 -> S2 -> Shift left. Qty Decrease Q1 -> Q2 = Home Sales down. -> But, Price Up = P1 -> P2. => Thus as long as Less people wants to sell their homes + Less New Home Build (S1 -> S2)  -> Price up (P1 -> P2) even Homes Sales (Q1 -> Q2) Less.

Explain another way: - Even Less Buyers -> Home Sales, Quantity Down or Home Sales Less: Q1 -> Q2, because of Housing Regulations + Stress Test to make sure people qualify for Mortgage + Less Sellers -> Supply Down: S1 -> S2 => Price still UP or Stabilizing: P1 -> P2, not Down Trend. 
Because less people want to sell their home. Or something to do with less Housing Supply. Most important @ Supply Side is not just less New Home Construction, but also people don't panic to sell their Home. All you needs is 10% people panic sell their Homes, translates tens of thousands Homes in panic or just abandon sold their homes could collapse Housing Market.

Home or Stock is about Greed & Fear, Supply / Demand.
Stock Price is higher for many years. But People still Buy More. Just like Home. Driven by Greed.
-> Push Stock Price higher. When Stock Down, Home Price Down -> People Driven by Fear -> Sell out -> Stock Price Low, Home Price Low. But doesn't mean more people Buy. People look for exist. -> Stock could be cooling or crash. -> Thus Home Price or Stock Price Down, Lower, Affordable. But doesn't mean to attract more Buyers. The people who want lower Price ( Price Down) don't come in and buy. They want lower and lower. -> When Stock or Home Down, Low, this could cause Home or Stock cooling or collapse or crash. People hesitate to Get in market, less Buyers. People look for exist than Buy, as seen in recent Toronto Housing Cooling, more people dropped, sold their Homes.
For example, last year in Jan, Feb, March, April, 2017, Home Price was Up, High Price -> But a lot people line up Buy Home with multi offer, bidding Price higher than selling price. When Housing Cooling, Home Price Down 25% = Down hundreds of thousands dollars. Down alot. But Home Sales still Down -25% -> -35%, even - 45%. Less Buyers.
-> Why people want Home Price down don't jump in Buy? - Where Home Price Down, Low can satisfy all people? -> No one knows.

Home Price ups, dows, doesn't matter. Nothing gains until you sell your home. People every day work hard for their home, try make ends meet, pay mortgage, pay bills, pay debt.

Author: As scientist, we do research. We don't do research to make people like it or not. Different Scientist has different view just like Politics. Not to judge scientist based on their research.


August, 2018 - Home Price just came out as usually early every month, in August 2018 for Toronto Real Estate in July, 2018. Home Sales is up 18.6%. Last year August 2017 down - 40%. Today in August, 2018, Ave Home Price = $837,379 for all types of properties = Home + Town home + Condos. In each category, Condos = $582,547, Town home = $718,698, and record Home Sales. More people come back buying Home. “It appears that some people who initially moved to the sidelines due to the psychological impact of the (Ontario) Fair Housing Plan and changes to mortgage lending guidelines have re-entered the market,” said Jason Mercer, the board’s director of market analysis. A lot of money are lining up, and ready jumping in Housing Market like last year 2017 spring. While Vancouver Home Sales down in July, 2018, Ave Home Price = $1,093,600. The average Home Price of country wide Canada slight increases $546,562 for July, 2018.
Important News:
1) Since January 2018, Home Price ups continuously from Jan = $738,000 -> May = $805,000 -> August, 2018 = $837,379. In May 2018, Home Price break into $800,000 first time, after its cooling started in June 2017. But Home Sales flat. Now, in opposite, Home Price slight high in 3 months May, 2018 -> July, 2018 up only $30,000. But Home Sales up significantly in double digits first time since June 2018. => Read Blog, we said ago:- Do not time the market. Just jump in & Buy. When Home or Stock up/down, up/down very fast. Take Home down bottom 2 months, for Stock maybe few days like Tsunami. => Only the beginning, Toronto Hosing Market now is like a patient just starts recovering after heavy shock. Unlikely another heavy shock until full recovery. Good time buy now or miss it.

2) -
Ave Home Price Gap between GTA ( Area Code Phone 416, closed Downtown) and Downtown Toronto (old Toronto) smaller = $43,000. Many Districts in GTA 416 close, GTA 905 far, like Brampton ... & Suburban 905 further far like Mississauga ... = far away Downtown Toronto (416), price cheaper. It reflects in your Home Phone. High paid jobs in Downtown Toronto, where in Banks, Financial Institutions, Financial Centers of Canada, Government Agencies, who can't afford Home, Rent in Downtown -> So they move to live in GTA (416) closer to work, where Home cheaper than Downtown. Which is pushing Home Price in these areas higher. Toronto has web of Subways underground move people to Downtown, faster than driving to Downtown, parking cost, gas, traffic.

3) - Home Price up
slightly, highest since May, 2017, behind peak April, 2017. But a record Home Sales continues.
-> Home Price will be higher if Cut Taxes that impact on Housing market introduced last year by provincial Fair Housing Plan, and if Amazon setup 2rd Headquarter in Toronto.
What if Amazon move its 2nd Headquarter in Toronto, the biggest City in Canada, the 4th largest City with large Population
(Toronto = Downtown Toronto 2.5 millions + GTA is Greater Area Toronto 4 millions = 6.5 millions) in US & Canada? - Just last May, 2018, Amazon created 3000 Jobs in Vancouver where ave Home Price = 1.1 millions dollars. Recently, a lot of news about Toronto will become the next Silicon Valley in US & Canada, Global Talents, and cheaper hi-tech Labour + cheaper Rent than in US.

Analyze Vancouver Recovering and Toronto:
In Vancouver,
in Aug 2015 =
$708,500 -> Up.. In July, 2016 = $1,007,867. Intro New Housing Policy, Begin Down -> Aug 2016 = $941,100  -> Jan, 2017 = $905,800 = Bottom. Begin Recovering, small increase Feb, March, April, 2017 -> May 2017 =$981,100 -> June 2017 = $1,053,655, in Million range -> Jan 2018 = $1,056,500 -> Aug 2018= $1,090,000.
Important note:- Since in bottom
August, 2016 -> Jan, 2017, Vancouver continued up, no down in range 1 millions up-to-now. Price either Up or Float. Take 1 year to recover from July, 2016 = $1,056,500, Since begin New Housing Plan, begin down in August, 2016 ... May, 2017 = $900s range -> June, 2017 = $1,053,655 back in a millions dollars peak range ... Aug, 2018 = $1,090,000 = flat.
In Toronto, in Aug 2015 = $603,000 diff Vancouver = $100,000 -> in Aug, 2016 = $710,000 -> Jan, 2017 = $730,125 -> up 33% peak April 2017 = $916,867 -> Prev Ontario Introduce New Housing Fair Plan -> Down 20% -> 25% Bottom in August, 2017 = $730,000 -> Jan 2018 = $736,700 -> Begin Recovering, Slowly up, first break in $800,000, in May 2018 = $805,000 ->  Aug 2018 = $837,379. Not yet get back to April,2017 peak = $916,897.

- Since in bottom in Toronto Aug, 2017 = $730,000 -> Jan,2018 = $736,700, = 6 months in bottom, same as in Vancouver = 6 months in bottom August 2016 -> Jan, 2017. Then it begins recovering. Price either Up Small Increase or Flat. Same as Vancouver, since bottom in Jan, 2017 -> Vancouver never look back, Up, Small increase or Flat from Jan, 2017 bottom begin recovering (same Jan, 2018 in Toronto begin recovering) -> up-to-now Aug 2018 = 20 months. So far, in Toronto only 8 months since begin recovering in Jan, 2018 -> Up-to-now, Aug 2018 = 8 months -> Price either Small Increase or Flat -> Expect in July, August 2019, Home Price will be in $900,000s something range. It takes at least 2 1/2 years or 30 months get back its peak in April, 2017 in $900,000s range. 

Home Price like Stock -> Nothing gains until you sell your home. Everyday, people work hard for their home, pay bills, make ends meet, regardless ups/ downs.

- This normal Home in North York, Toronto, July, 2018  = 1.5 millions, low Property Tax than Downtown; While Ave Home Price = $838,000. - This Home in other big Cities in Canada around $300,000.

July, 2018 - Home Price is already out on in early July 2018 for Real Estate in Toronto in June, 2018. There are signs people back to market, Home sales up 17.6% in June 2018 compared to May,
When at peak ave Home Price April 2017 =
$916,567 = Ave of Home + Town home + Condos. If calculate just Ave Home Price, not including Town Home, Condos, Downtown Toronto there are Home Price = 1.3 -> 1.6 millions, GTA = 1.1 millions -> 1.4 millions dollars. Usually the difference between Downtown and GTA around $100,000, like UK London city difference Downtown and Districts around = $420,000 euro - $350,000 euro = $70,000 euro difference.
- Toronto Home Price has recovered 1/2 its lost. Only Home Price lost, Condos, Town home flat, no lost. A lot of people with a lot of money are
waiting to jump back in Toronto Home still very affordable, like in Jan - May, 2017, people line up with high multi offers. A lot people can't afford Home, complaining, High Rent Control better, or buy Condos.

Ave Nation Canada Home = $ 496,000.

Other 5 biggest Cities in Canada
Ave Home Price in Capital Ottawa = $450,000, ave Home in Center big Oil Producers Calgary City = $ 431,500, Ave Home, Montreal City of Quebec  = $343,800, in Quebec, Ave Home Price = $267,000, Ave Home, hi-tech, start-ups, Home of Black Berry, Nortel, Canada Silicon Valley Kitchener-Waterloo = $ 450,800, Ave Home Price Vancouver = $1.094,000 - Condos= $698,000.

-> Where You Live! This Home Owner is millionaire if live in Toronto
In Toronto, GTA, this home, 3 Bed, 2 Bath, worth 1 millions.
Calgary City of Alberta, is top 5 Cities Canada, 68% Whites, home of cow boy like Texas, has Ethnic Mayor, low Employment, City of big Oil Industry, big Oil Producers of Canada.

Other big Cities in US: New York City ave Home $460,000, Chicago =217,000$, Washington = 383,000$,  Las Vegas = 240,000$, Los Angeles = 465,000$, Miami = 318,000$, Seattle = 422,400$, San Diego = 564,000$ (2), San Francisco = 816,000$ (1 - US Silicon Valley). 

Salary needed to buy Home in 20 major US Cities. Click here.
In Washington Median (Ave) Home Price =
$383,500 Salary required = $82,500 - Because after minus your Salary for Income Tax, Other Living Expensive like Food, Phone, Car, Car Insurance ... ->
How much left you can afford Mortgage, Property Tax buy Home.

Real Estate used Ave Home Price to prevent people use few millions dollars Homes or Condos in core main Downtown to present price for a whole City like New York, Toronto. From now, we update Home Price other Canada biggest Cities.

- G7 City Tokyo Japan Capital, a brand new 3-bed room, 2-story, most Japan houses no back yard, built in 2016, ave Home = 260,000$ (¥28,800,000). Ave Home Price in Tokyo = $247,120 (29,580,000 yen). Ave US Capital Washington = 383,000$.

- G7 City in Europe, UK London:
Ave Home Price City UK London, in Downtown London =  $420,000 Euro or $640,974  - Behind Downtown Toronto, better than Washington, Tokyo
Districts around London, South-East, South-West, Midlands (like GTA) = Euro 350,000 or $534,145 - Behind GTA Toronto.
UK London,
a City of thousands years History, either same or more expensive than other big Cities in Europe, like Berlin, Paris, Rome ...

- Average Home Nation wide in German = €260,000 = $297,000

- This Home with backyard (not all Home), 2500 - 3000 Sqt, North York, Toronto, New Listing July, 2018. Many months ago cheaper. Ave Home Price just in Jan,18 (low) -> Jul,18 up $100,000. - Any Home can easily renovate to more 8 Bed & 4 Bath Rooms.
- This Home in other big Cities in Canada around
- Many areas in Toronto, Home Price still not up-to-date current up market, still use Recycled List when market low many months ago.

- This Home 3 Rooms. 2 Bath in North York, Toronto (North Toronto) = $1,088,000, New Listing July 2018, Ave Home $835,000. At peak = 1.2 millions. Many months ago cheaper. Ave Home Price in Jan,18 (low = $738,000) -> Jul,18 ($837,000) up $100,000.
- Many areas in Toronto, Home Price still not up-to-date with current up market, still used Recycled List when market low few months ago.

- Toronto is modern, industrialized City, Transportation, big web of Subways, Bus, Street Cars, Super Highway, large Street Lines help move very fast, easy from Districts around and to Downtown.  -> Which push Home Price high in areas near Downtown Toronto.

- Not about big/ small Home, but about
Location, Location, and Location = Where You Live

This Home in North York, New List Aug 2018.
- York University, 3rd largest in Canada in North York. Has most International Student

- North York is North of Toronto,
where Phone's Area Code = (416). Which has same area code in Downtown Toronto, Home Price only a bit smaller than Downtown. Both share same Home Price Ave or Small Difference.
Phone's Area Code = (905), where these Districts in GTA like Brampton, Suburban 905, like Mississauga, far away Toronto, cheaper Home Price, cheaper Ave Home Price.

- TREB = Toronto Real Estate Board used Area Code to Categorize & Statistics Home Price.
Scientist asks: Who Can Afford This Home? - A lot in Toronto. Specially, Middle Class already bought Home long time ago. A 20 years middle class can buy 2, 3 x Homes. They easier buy than first time Home Buyer -> They already proved survival as Home Owner more than 15 years.
Harry met Sally, both Middle Class  -> Take sweet Home -> A lot people in Toronto can afford easy.
- Buy Home = $1,088,000
-> Deposit  20% = $200,000 = The challenge
-> Loan Borrow = $800,000
-> Interest = 3.5% - Amortization (years pay off loan $800,000 & own Home) = 30 yr
Note: 25 years faster, less Interest Payment, but higher monthly mortgage. Investor even pay 40 years -> Reduce alot monthly payment.
=> Mortgage Monthly Pay = $3450
=> Rent out 2nd Floor = $1500 / mo
=> Now
you pay mortgage = $1950 / mo - The more years paid, this payment gradually reduced less to $0.0. Nearly = Rent 1-Bedroom.
=> Rent 3-Bedroom = $2950 -> $3500. Rent 1 Bedroom GTA= 1500$ - Downtown = $2050
Now cheaper than Rent 3 Bedrooms $1000 => Scientist proved this $1,088,000 Home affordable, cheaper than Rent.

- Apply for Condos cheaper than pay RENT. Usually people buy Home cheaper than this Price.

- A 20 years Middle Class can buy 3, or 4 of this home, but huge Debt, huge Interest Payment, huge Risks. Never own Home, no Home to Live. Even just Buy 1 Home is a Risk, such as,
Economy, Lost Job, High Tax, Policy Maker, Bad Tenants, High Mortgage Payment / mo, Pay more for Interest Loan than Pay for Home Principal, Can't 9-5 for 25 years, Work longer, rather few years Done, Enjoy Life, now back on the long road again. Many calculations + Many other Risks of having multiple Homes. Can't show.
- From own 85% one Home -> Own only 20% 3 Homes, 3 Big Mortgage, Work longer on long hardship road again. - Which one more risks, Greed & Fear  vs. Peace of Mind?
- Ave Home Price Residential in North York =

North York is a municipality within the current city of Toronto, Ontario. Geographically, it comprises the Central Part of the Northern section of Toronto.

- York University, 3rd largest in Canada in North York, Toronto, while University Toronto is 1st largest University in Canada in Downtown Toronto.

The Reality of Industrialized Middle Class.

- The only benefit of Middle Class is Home. Home is their " Return On Investment of Life". But there is no easy Home -> You have to work hard for Home 25 years, 9-5 every day to pay for Home. Home sucks in 2/3 of their income. When no Home, you have $1000 to spend for fun, restaurant, drinking, smoking, leisure. But when own Home, that $1000 leisure all in paid for Home Expensive, a lot bills to pay for Home Ownership. Home Ownership is about Responsibility, Saving, Frugality, Hard work. But reward something.

- If lost Income, Middle Class used their Credit Card pay for Living Expensive. Can't apply for benefits. If own no Home, lost income, people can apply for Social Welfare, Basic Income. Basic Income will give an adult, without big asset like Home, an income around $17,000 $ / years. Some say $1415/ mo is generous. After Rent / Room = $415 /mo / person, $1000 / mo for one person spending, more than a middle class's spending after pay for Mortgage. This program is testing few areas not yet official in Toronto and in Ontario, by previous Government. For now, Social Assistant (welfare). A lot benefit programs help people not own Home. Each year, Social Assistant increased 3% to adjust inflation.

NOTE: People, who don't have asset like home, will have more or less Income / month helped by Government. But, Middle Class, Home Owner will not qualify for Social Assistant, Basic Income. Middle Class with a lot Home bills, mid income, low income, lost income -> Use Credit Card, Borrow, Sell Home and spend all your Home money. Although contributed a lot of taxes. That's why Middle Class needs job, the only source of income.

- Industrialized Middle Class Households debt is high, because of Mortgage Payment + Home bills. A person around 20 years Toronto Middle Class said: "- It is tough in big city, not easy. A lot people dropped out middle class after 10 years. Home Price up made people jealousy. But hope not. People understand that All is about Hard work & Reward. "
- Middle Class pay a lot taxes, Income Tax, and Property Tax is main Revenue for local Municipal City to pay for all kinds of Local Services. On average a Middle Class or a Couple contributed $250,000 Taxes in 10 years, 1/2 millions in 20 years.

- Home like Stock, Home Price up/ down, but nothing gains until sell your Home.

=> Scientist used Data Communication reflect the the reality, which could be good or bad, like it or not, not mouth, tongue. Scientist , like Doctor, can't change Data make look good, like it. The majority people make decision, judgment based on Emotional Intelligence easier (hate, like, love, fun, feeling love or hate for something, desire, empathy, subconscious).
=> Since Human Evolution is evolving on
Emotional Intelligence basic instinct, for survival thousands years . But, then Technology, Digital have changed Human Evolution evolving on Data Intelligence. People smarter!

For example: - Love is Emotional Intelligence. When love people don't think, don't care, but love. All is about feeling, desire for now, at the moment. But then after marriage, feeling is gone, the reality comes.
All is about Data Intelligence for next 20 years: Rent, Car, Home, Children, Shopping, Living Expensive.

Can we use Data measure Human Emotion? -> A Computer Scientist said: - No. No Data can measure Human Emotion. Very complex, unpredictable. We can design Robot, AI, Software do, work like Human, replace Human. But we can't design Robot, AI, Software ... have feeling, sense, hate, love like Human.

Customers say in few words: "- We use Office for Database Product Website can Create & Update, for Online Order E-commerce, Mobile Order, Sales & Marketing, and Pos. Keep track Sales Data, Manage business better, Operate Efficiency, Self-Order if needed. We now reach out customer anywhere, online, mobile, on any devices: Laptop, Tablet, Smart Phone, large scale. Office is easy Use & Maintain, affordable Price and good Software Quality.
All you need
is a Laptop or Tablet, iPad, or just 1 iPhone, (see all demo on Mobile) any Smartphone run Office Software, and Pos Printer. No need expensive Hardware, Software. No need info website $699,
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You run Start-up -> Become multi millionaire, multi Homes, no 25 years. Most people, started working in mid 90s, had Home around 10 years ago, in 2008, ave = $450,000, or from day Graduate to day to buy Home, because they must Work & Pay Debt & Save at least 10 years - 15 years just for a big Deposit = $90,000. Today harder, Home up, graduated in 2005, Work hard & Save, probably you can buy Home Price in 2020, deposit = 20% = After paid all Living Expensive, Income Tax, Car ... you must save $55,000 in 5 years.

Start-ups easier said than done.
Choose the right person with the right Mind-set, right Skill, and most important Think Big, Global, Have Vision, not afraid of Competition, Persistence, no easy Give Up. A lot Start-up Entrepreneurs just a year gave up when a lot challenging. DONE! They think easy make millions. Even people work hard 25 y / 9-5 hardly make ends meet.
Take chance. Make rich faster than 25 year / 9-5 still hardly Make ends Meet
(:-(( - If we don't try & try harder, then how can we know success?

- Vend Pos. Investors invested 100 millions in Vend Pos. It received 20 millions USD from Peter Thiel’s Valar Ventures and Square Peg Capital. https://blog.vendhq.com/post/64901824985/vend-raises-20m-funding-round-co-led-peter-thiels-valar-ventures-square-peg-capital.
Recently Dec, 2016
Vend Pos also received many other funding: 9 milllions, then 13 millions, 60 millions, many other rounds. Total Investment Value = 100 millions. https://pitchbook.com/newsletter/vend-secures-9m-investment.

When having Multi Homes is good?
When early in the beginning on the road, you are in late 20s, early 30s. When young, people Have Fun rather Have Something soon until mid 30s.
You think can afford multi homes, should have Good Deposit at least 25% to reduce time pay off Home faster, help reduce Interest Payment, help reduce monthly Mortgage. You need
good high pay salary job, such as, Professor, Doctor, high pay Scientist, and can keep high pay jobs for a long time in 25 years. Then you buy 2 Homes, walk 25 years on the road, you are on Top Mountain multi homes.
Having Multi Homes or One Home to Live?
A 20 years Middle Class can buy at least 3 Homes. Each over 1 millions dollars.

One Home to Live
is better than having many Homes,
but not own Home, keep working harder, suffering,
longer looong road, high risks along the road, All Money pay for more Interest Payment / Home, specially when Interest Rate up, pay more Mortgage / home, hard & long reach @ Top mountain. One Home owns 85% much better than split into 3 Homes, but own only 20%, less than 50%. It's Bank's Home. Not true Millionaire. Work hard 9-5, 25 years to Top, own Home 100%. Now, slit into 3 Home only 20% -> Walk 25 years again? (:(( - No.

So the Goal here
is Reach to the Top of Mountain soon, when still young. Just 1 Home
then Enjoy Life, Travel and Become true Industrialized Millionaire. While others still walk hard to the Top Mountain, still not sure reach @ Top.

-> Why big Home less Value than small Home? - Home is a Product but Values in its Services (Location). Explain why people move Rural to City. Why Rich Middle Class, Rich people are created in big City.

- The Millennial and Home Ownership today.

- Millennial mobile, no 25 year / 9-5 responsibility, freedom.
Millennial, 22 - 37, less likely want to Buy Home because of their Life Style, mobile, not Saving for Home.
- The Challenge for
Millennial is the Deposit. Take at least 13 years Saving of Hundreds of thousands dollars. By that time, you are not Millennia.
- The other Challenge is Job security, keep changing. Bought Home only few years, lost Job.

- Today, to afford for a Home in Toronto, Vancouver need salary at least
$85,000 salary. No matter Home Price goes Down. See here What Salary Needed to Buy Home in US Cities. US Capital Washington, Ave Home = $383,000 -> Salary needed = $82,500.

So Who most likely Buy Home?
-> It is the Middle Class high Income at least $80,000, 2 x Middle Class Couple, Middle Class Home Owners, who already had Advantages and Capital. 

-> Working Class, no matter Home Price down, they hardly can afford, even a Condos
. Rent Affordability better for them.

-> Current Housing cooling, Home Price, (now has recovered 1/2 its lost.), doesn't translate more people buy home, even less Buyers. People want Home Price down, don't jump in. But more people sell Home, dropped. But when Ave Home Price high like in April 2017, more Buyers line up, multi offers? -> WHY?


-> Data Scientist, use Data, give people see differently in context of Local & Global. Data Intelligence. See far.

While ave Condo Prise is $562,000, flat. Ave Townhouse is: $639,000, flat. Ave Condos at peak April 2017 =  $ 518,579. A lot new built Condos unsold in Downtown, a lot supply for Condos than Home  -> As a result Condos price is flat since its peak. But the demand for Home is now up 17.6%. -> In Real Estate, All types of Home is most expensive -> Town home -> Condos. People have money will refer buy Home to Condos for big return. => In 2000 ave Condos Price = $180,000, ave Home Price = $240,000. Today, ave Condos = $560,000. While ave Home = $807,000. -> Profit diff = $200,000. => 18 years ago, Condos Price was different with Home Price about $60,000 - $80,000. Today, the difference wider is about $250,000 - $300,000 ($560,000 vs. $808,000). At peak April, 2017, difference was $350,000, even $500,000. Data tells Home Price goes up faster. Property likes car, different car for different people. All is about Data.

- A person lived in Condos Apt and Home said:- Live in Condos no privacy, under tight security, camera, backgrounds check, watch people in/out from Condos Management. Up/ down in elevator many times / day with strangers. Ups/Downs in Parking lot not safe, a lot strangers, all kinds of people. A lot noise from top floor, a lot smell. Your kids throw things on floor could cause tension with other tenants. In Toronto, Condos Apt 1-bed room = 1500$ / mo, Downtown = 2000$ /mo, not include Internet, wash/ dry cloths, could cost extra 150$ / mo. People can smell others smoking in isolate environment. No freedom like Home. A lot stories like husband & wife argue, Tenants next door call police. Rent can increase anytime. Can't Rent out extra income Condos like Home in 2nd Floor. Can't renovate Condos. The convenience of Condos is no need shuffle snow. Immigrants, new Comers likely live in condos. => Live in 2nd Floor Home 800$ / mo -> Will save rent 10,000$ / year, 5 years = $50,000, 10 years = $100,000 -> A lot of money! Could buy a new Condos. Invest in Child's Education and Saving for raining days, no job.

Jason Mercer, TREB's Director of Market Analysis and Service Channels said: " ... It is likely that issues surrounding the supply of listings will persist. This suggests that competition between buyers could increase, exerting increased upward pressure on home prices." -> Which is exactly we have predicted in May, 2018 that Home Price is steady or up because of Supply. -> But even if spend billions to build new 50,000 Home, take at least 5 years, it is not much affect, to hold down the Home Price. People build more Condos easy sell than build Home. See May, 2018 our Analyze.
- Last time when Toronto ave Home Price either same or more than Vancouver was in February, March, April, May 2017. Vancouver like Toronto was started cooling down in August, 2016 (Toronto started cooling in June, 2017), because Housing Regulation like in Toronto. When ave Toronto Home Price = $807,000 = Ave of all types of Properties in Toronto =  Homes + Town Home + Condos.

- A person said:- Every month I visit this Blog because I am interested and open my knowledge about Home, Real Estate. If I read this Blog many years ago, which will make my life big difference. I like a different approach of analytics using data of your Blog. You want to help people make good decision to buy the most important and expensive thing, work hard for their whole life for something. BTW, I love your product and would buy it for my business.
NOTE: Thank You very much. Over 1 millions people in Toronto, other Cities, and around the World, follow up Blog.

A person said:- Before, we could have bought Home easily. No Home because of listening to bad advice, surrounding with people, who just want others like them. For example, you play, surround with people who have Home, more likely you will buy home because of competition. Now wake in the reality, after we work hard for 10 years, 25 years, more than 1/2 Income paid for Rent. Can't stop Rent always up in big City. Money is the main cause of broken family, relationship. The first 2 years is Honey (Emotional Intelligence). The next 20 years is Money (Data Intelligence).
Where you live also make a big difference.
What happens in big City China could happen in any big Industrialized City. A person came Vancouver 25 years ago with 0.0$. Today, he is worth a millions dollars because he bought a Home in Vancouver. What if he lives in other Cities, small Town? - Most Cities in Canada ave Home Price 490,000$, except Toronto, Vancouver.

A Scientist said: " - Good Athletics gather in Olympics, not in Local games. The best companies run like Olympics." -> Which describes Toronto is tough - Tough here means you play in Olympics Games with other Global Talents, not in Local Games play with same people, same ideas. People refer to working with people like them, in their own Group, same Ethnics, but not in Toronto. Everywhere, in School, at Work, in Office, in Public places, I see all kinds of different people in different Backgrounds. Before I lived fit comfortable in my own Local, until I live in Global Toronto, the only multi-culture Global City, where different people and backgrounds live & work to build the best City in the world.
Look at Toronto Ave Home Price
the best indicator describes Toronto that why people are willing to spend, invest that much money to Live in Toronto, like to buy a hot Product & Service, buy a hot Place, like to buy a hot Stock Price. Its ave Home Price has more than New York City, Los Angeles, Tokyo, Washington, Ottawa, UK London. And Toronto Home Price has been hot, grow in the past 30 years. So does the City. Home Price is like Stock Price reflects its value. Company grow -> Stock grow -> See far.
Canada Toronto
has changed my life.
See A Story of a person started $0.0, no Degree -> Became a Canadian Toronto Middle Class Professor 18 years ago.


Chile: 18 millions people
Consider as Rich country in Latin, South America

- Indonesia: 265 millions population.
99% Adult population less than $100,000.
- 0.8% are Middle Class Net worth over $100,000.

- Singapore: 6 millions population.
- 52% Adult population less than $100,000.
- 184,000 Household Millionaires.
- Richest country in Asia by millionaires / population = 4%

- Japan: 127 millions population.
- 49% Population less than $100,000.
- Rank 3rd = 1.2 millions Households Millionaires.

- South Korea: 51 millions population.
- 60% Adult population less than $100,000.
- 38% are Middle Class Network over $100,000.

Canada: 37 millions - 48% less than $100,000
- More millionaires / population = 4.5%, than most rich countries, Singapore 4%, Japan 2.7%, South Korea 1.8%,  G7, only after US = 7.5%, UK 4.8%.
NOTE; Recently Housing up in Toronto, Vancouver. In 2013 = 3.7%. If no Housing Cooling in 2017, in Toronto biggest and richest City Canada, Canada has 5.5% millionaires, double Japan 2.7% millionaire population = 2nd millionaire by Population only after US.

- India: 1.34 billions population.
- 343,000 Household Millionaires.
- 90% less than $10,000

- China: 1.38 billions population.
- 2nd Largest, Household Millionaires only after US.
- 2nd Largest Millionaires, Billionaires only after US
- 93% less than $100,000, US = 60%, Japan = 49%, Canada = 48%, German = 63%
- If use by Number not by % Population, US rank 1, China rank 2 in millionaire. 

South Africa: 57 millions
- Richest country in Africa

 -> There are a lot of Vietnamese working abroad, Vietnamese New Comers, dual citizen, from Vietnam in Canada, in Toronto, said:
- Canada is open, much better than US, Europe and Japan. Good Wage, Good Benefits, Good Minimum Wage best in Industrialized Countries
(Canada = $14, Others = $8). They work in Canada in few years; When back home, or send money home, help their Family, they can buy this Home easily.

- This high raised 8 multi-level Home 10 Rooms in District 1 Downtown, HCM City = $335,000.

- Hanoi Capital like Ottawa, is cheaper.

- HCM City is growing City, beautiful city, before called A Pearl in South East Asia when more than 500,000 American lived there...

- With $150,000, you can buy a 4 levels Home, 7 Rooms, in HCM (Saigon) biggest City in VN, like Toronto in Canada. 15% Rich Middle Class own Home in HCM City, the rest Rent or mostly Live with Parent. - In Toronto this Home could = 2.0 millions.
- Downtown HCM City, District 1, Ave Home Price = $300,000.

Home Price reflects Values of the Location, like a good Product sell to people can afford = Middle Class Salary can afford Home Price - It is Middle Class buy home. Not few Rich.
+ Location's Values = Modern City, Infrastructure, Subway, Transportation, Super Highway, Immigration, Environment, Open, Attract people to Live specially Foreigners Buy Home.
Standard Living, Education, Hospital, best *Health Care* specially Free, Banking, *Minimum wage*, GDP / Capital. (GDP for each person in a country) GDP/ Capital of Canada = $51,315 usd in 2017, Japan = $38,894 USD, UK = $39,899 usd, France = $37,000 usd, German = $42,000 usd, China = $8124 usd. NOTE: Canada receives more % Economic Immigrant, most of them settle in Toronto GTA, Vancouver, could boost Home Price stabilized and higher in GTA, a Ripple Effect. Now they buy Home easier as Landed Immigrant like Canadian, no Foreign Tax applied.

- Home Value (price) reflects Location. A lot people believe this Farmer.

This Home, 4 Rooms on Main floor + 2 Rooms in under 2nd Floor = $ 975,000, New List in June, 2018, in North York, Toronto.
-> Usually Home Listing lower to invite Bidding Price
.-> Location + Renovation increase Price.

All is about => Ability to make Money, Salary in order to Buy Home + Values of Location = Home Price. - People do not just Buy a Home, but also a Place to Live + Return On Investment. People work hard 9-5 every day for 25 years to pay off Home.
Thus Home Price is the Return On Investment of your Life. But ROI of Life depends on location.
- Where (location) you Live will make a big difference. That's why in any country, Rich Middle Class, Millionaire are created in Big City.

- Life is a long road to the Top either you pay Mortgage or pay Rent.
-> Pay Rent never finish the road, never Freedom, never Enjoy Life.
Keep increased, longer, Keep Paying.
- A lot people retired in Industrialized Countries still working hard, like in Japan. Because of Rent kept increased, Life Expensive, Inflation, Benefit reduced.

-> So these people on long road will relax, enjoy life @ the Top. Have Something. Some will become millionaire.
- On the long road.

- All walks of life,
Factory Worker, Office Worker, Teacher, Scientist, Doctor, Engineer, Professionals, people work hard 9-5 for 25, 30 years jus for Home for something.

- So many people quit. Back to the Bottom.

- When
young, people Have Fun rather thinking Have Something soon until mid 30s. Could be late because today is different. We are in a serious Global tension and conflict, will not get better. Stock crashes anytime.

- People talk about Housing Affordable, but not Rental Affordable. The reality today is only Middle Class can afford Home no matter home price goes down. The requirement
buy home harder like Stress Test testing Income, Salary. Unlike before Factory Worker, Restaurant Server can Buy Home. Rental Affordable will help the poor, the Working Class.

A person said
: - Before I hear a lot scary, negative info about Home when its cooling, price dropped, sales down from Senior Analysts, Senor Economics, from online News -> Which is discourage people buy home, stay on the sidelines -> Thus lost opportunity as seen of Home Ownership today. But you were positive it will recover. You are right. Since I read Blog. I learn a lot. I look at Data. I made decision to Buy Home, no matter what will happen. If I read early in Jan, 2018, would be very good for me $100,000 different. Jump in or too late. Thanks for info. I like Office product.

Author: For your benefit. People who don't have Home yet, or don't live in Vancouver or Toronto, don't blame why no Home nor my Home Price low -> Where you live! Make a difference.
As a Canadian, no other citizen, I live in North York more than 20 years. Started life when young no Money, no Degree -> Then started my career as Professor, quick in Middle Class 18 years ago in North York neighbourhood.

A glance at North York Neighbour, a majority people daily 9-5 working, repeat 25, 30 years, pay Bills, pay Mortgage, make ends meet. Never hear argument, never hear shooting, no see fighting even kids.
Neighbours don't know, don't talk each others. Maybe few "hi" / year. => They know people in their own Community than know their next door neighbours. Homes of ethnic neighbours around: Chinese, Vietnamese, Italian, Greece, Jewish, Korean, Japanese, Indian. Encounter, working with all kinds of people, backgrounds in Toronto for more than 25 years live here. I have 2 Canadians Brother-in-Law, Irish, Scottish background, who married my sisters, had Home Downtown. They see their Homes in Downtown dropped from 1.5 millions -> 1.3 millions.

North York is also diverse population like all Districts in GTA, Toronto.
In 15 minute walk, few big buildings, everywhere, a lot in Toronto's neighbourhoods, where a lot Immigrants, New Comers live. I used to live in Appt for 3 years, then moved in Home. 1-bed room Apt = $1300 / mo.
Ave Home here in North York is one of the most expensive District in Toronto, and in the the World, more than Richmond Hill, Vaughan, more than UK Capital London, US Capital Washington, Canada Capital Ottawa, Big Oil Calgary, Hi-tech Start-ups Waterloo, Hollywood L.A, Home of Amazon, Microsoft of Seattle, Home of Harvard Univ, M.I.T of Boston, Capital Japan Tokyo. See Data -> Data change people think. -> Need good Data Scientists, who live inside, wear all kinds of common people's shoes understand, Do Research, Consulting, Explain in Local, Global perspective. No mouth & tongue. No perception. No bias.
-> Ave Home = Any Location, there are Homes in few Millions, Homes in few Hundreds Thousands dollars. This doesn't reflect Accuracy of Home's Value in Location. So Real Estate used Ave Home Price.
I do all kinds of work: Start-up, Teaching, Consulting ... I go anywhere, try hard make ends meet, pay Mortgage, pay Debt, pay Bills, just like people here. In Middle Class, job is the only source of income. I contributed more less 1/2 millions in taxes in near 20 years as Middle Class. I delivery honest message. Click & See A Story

- North York is a municipality within the current city of Toronto (old Toronto - see map), Ontario. Geographically, it comprises the Central Part of the Northern section of Toronto. Info from NYRE.
- North York is part of old City Toronto, second Economic Hub outside Downtown Toronto.
- GTA,
like Markham, Vaughan, Richmond Hill, Brampton, Peel, Oakville, Ajax, Mississauga, Pickering.
Biggest Municipalities of Old Toronto are: East York, Etobicoke, North York, Scarborough, York. 
- In Map, Toronto is
Downtown Toronto, also Entertainment District, where, Financial Center Canada, Banks, CN Tower, TSX Stock Exchange - Most expensive Home. Toronto Housing Cooling Ave lost = $250,000 / home, before 1.55 millions now is around 1.3 millions.

- Ave Home in North York = $1,100,000 -> See some Homes we post from North York, just normal Home.
Ave Vaughan = $1.008.193, Ave Richmond Hill nearby Vaughan & Markham = $1,030,136, Ave  Brampton = $707,017, Peel Region = $716,077, Ave Pickering = $681,089, Ave Markham = $913,007, Scarborough = $816,917, Etobicoke = $941,863, - Ave Mississauga = $706,570, Ajax = $644,115.

NOTE: Canada is the first choice by Immigrants. Asked immigrants why? - Education for their children, Health Care, Region's Economy, Open, Environment (less pollution than many countries in Far East). Never see people wear pollution mask in Toronto, in Canada. Canada has small population 37 millions, in G7 ave = 60 millions. -> Target 40 millions next 10 years = 300,000 immigrants / year. Population increase, Housing in Toronto, Vancouver continues on Demand.

- Use Ave Home Price to avoid people use few homes in millions to present all Homes in area. When Listing, people usually list lower Price to invite Buyer see Home & Bidding Price.
- The different Price between North York and Downtown small. Toronto, Downtown is Financial Center of Canada, big Banks, high rise Buildings, Toronto Stock Exchange TSX, Gov Agencies.

- Big Toronto Today = City of Toronto ( 3 millions people - see map) + GTA (Greater Toronto Area, 6.5 millions ) Districts around = Around 9.5 millions. Ontario is the biggest Province. Toronto is the biggest City in Canada, 400 Billions GDP, Economic Engine of Canada. Compared to Kitchener-Waterloo = 26 B, 560,000 population, Ottawa = 58 B, 885,000, Calgary = 130 B, 1.3 million. It is bigger than GDP of Malaysia, Egypt, Ireland, Israel, Philippine, Singapore, Hong Kong, South Africa, Denmark, Finland, Portugal, New Zealand, Greece. Toronto is a Manufactory Hub & Financial Hub of Canada. It produces more than half = 55% of all Manufacture Goods & Products of Canada, and Center Financial Hub of Canada. It is 3rd in US & Canada, after New York, L.A. -> It reflects in Home Value of Toronto is the most Location value in the world. -> Why people pay for high Price for good Product ( a Home ) & Services ( = Location Values = Education, Environment, Health Care, Open Policy, Immigration, Economic Region, Infrastructure ...) Where You Live!

-> Explain why Homes in Calgary, in other Cities less expensive than in Toronto? - Because lack of Immigration, Population, Economic Region. Need more people buy Home + Rent. Why Rent? - Because Rent is the main reason people Buy Home. Thus, even Calgary has same Services of Industrialized Cities, but lack of Immigrants (Immigration -> Population increase -> More Economic Activities -> More Products & Services produce -> More GDP up -> More Consumer Spending -> More Demand for Housing, Renting .. UP), smaller GDP (= Region Economy). 65% of Calgary are whites, (same as Kitchener-Waterloo), 123 B of GDP. If GDP that Economic Region small -> Then hardly people can afford pay big money for Home. Toronto, GTA is the only City in the world that has multi-cultures, more immigrants than any Cities in the world. Toronto Location Value is the best Value in Industrialized G7 Countries. People are willing to pay high Price for the best Product & Service. -> Reflect in Home Value that people want to pay. Like People want to buy brand Name, luxury Product. Or Buy a good & growth Stock Value return on investment (ROI) proven. People want to jump in, invest in good & growth Stock good return in 3 years, 5 years.
Toronto Location Values
better than UK Capital London, US Capital Washington, Canada Capital Ottawa, Big Oil Calgary, Hi-tech Start-ups Waterloo, Hollywood L.A, Home of Amazon, Microsoft of Seattle, Home of Harvard Univ, M.I.T of Boston, Capital Japan Tokyo, US Financial Center New York.
-> In few words, we just describe Toronto easy understand. No mouth & tongue. No perception.

=> Toronto all People, all kinds of backgrounds, work hard in Office, in Manufacture in order to build Toronto. A lot people live in Toronto don't know Toronto. People in Toronto, GTA are tolerance. They work, school, live with all kinds of people in different Backgrounds everyday. Same as for Schools, Companies, Businesses, Communities.

=> Toronto, GTA is the largest Manufacture Hub of Canada, produce more than half, 55% -> 60% of all Manufacture Goods of Canada. Then Canada export Goods, not Services, to other countries, to US. Canada, 37 million population, is Top Export Country, 420.6 Billions in 2017. And 3 of Manufactory Jobs create 1 Office job, Service Job work in Office.
For example, on ave, a Manufacture 120 employees with 90 working on Floor, 30 in Office. Then people working in Manufacture Buy Home -> Bank lend money for mortgage -> Bank make more money -> More Office Jobs, Service Jobs in Service Sectors, created. All related. Money flow every where.
NOTE: Not all Immigrants work in factory. They are also Small Business Owner, Engineer, Scientist, Teacher, Professional, Doctor, Lawyer. For sure 99% Immigrants worked in Manufacture sometimes in their life, specially first came as New Comers. Young people go work in Manufacture sometimes to understand.
-> Immigrants will become Canadian after 5 years need they apply for Citizenship.

A Scientist:- Who live in big City Toronto for many decades, wear many shoes, many hats, started life from no Money -> In Middle Class Scientist. Did Research a lot Immigrant Families in different Community. In 80s, 90s, House cheap, on Ave, took 15 years for an Immigrant couple both working minimum wage, 5.5$ - 6$/ hour (Both salary = A Software Developer) Buy Home. Ave Home in 80s = $170,000 -> in 90s = $230,000. In mid 90s, Salary Software Developer = 11$ - 12$ /h, Professor = 45$ - 50$ / hr (4 Developers = A Professor). Today, Home Ave = $800,000s, take 25 years for an Immigrant couple, both working, start from 14$/h mini wage, saving for a Deposit = $150,000 -> $200,000 Buy Home.
- 40% of Immigrants in 80s, 90s Get in Middle Class
(recent cooling a lot dropped out), before less strict, even Factory Worker, Restaurant Server if having satisfied Deposit, and both working low Salary at least 15 years.
Impossible for 1 low Salary Buy Home. Such as 1 Factory Worker, 1 Restaurant Server, mini wage = 5$, 6$ / hr in 90s Buy Home. Because after Income Tax = $780 / mo, not yet paid for Rent 1-bed Room = $650 / mo in 90s (today = $1350 / mo.), then Car, Car Insurance, Gas, Food, Grocery ...Ave Home = $220,000 in 90s.
Use Data. -> Today, harder,
at least 20% Deposit, Stress Test Income, Salary ... Most Immigrants first thing to buy is Car, then Car Insurance, Gas, Car Maintenance -> Take alot money they earned, after Income Tax. Then Rent, Grocery, Phone, Internet .. -> Hardly money left saving for Home. That's why take 20 -> 25 years Buy Home
Image result for no talk
Use Data


Middle Class Millionaire Household.

Usually, first Generation started Life from Nothing, very poor, created first "Basic Conditions" for -> Next Generation Get in Middle Class creating "Good Conditions" for -> Next Generation becomes  Millionaire ... keep on. BUT, there are: -> First Generation started New Life from Nothing -> Get in Middleclass -> Become Millionaire. No need 3 x Generations Get in Millionaire Households, too long. We see this.

NOTE: People can say anything they want. As scientist, we use Data reflects the fact, not mouth & tongue. In some countries, no International Data available from Global Research Sources, we have to use their own Local Data Sources, make sure no biases, like Thailand, Vietnam.

Data vs. Perception: People travel to a country like Thailand. Entertain in coffee shop, bar, restaurant, in Downtown ... in Bangkok city. Then think all people in Thailand are same, have fun, rich. Wrong. They know only 7% of population. It is like people watch TV see all in Downtown, then think people in Toronto, GTA like TV in Downtown, all whites, no immigrants, no minority. Few Condos in Downtown New York City over 1 millions dollars then you think all Houses, Condos in NY over millions dollars, in Bronx, in Queens areas. Wrong. If compare Thailand with Vietnam, Thailand has more middle class house holds millionaire. But Vietnam has better population less in poverty than Thailand, Philippines, Indonesia, Malaysia.
-> 49% of Japan, 51% of UK, 62% German, 60% South Korean of Adult Population have asset less than $100,000. Although rank high in Middle Class Millionaire Households.
-> 60% of US Adult Population have asset less than $100,000. Although US has the largest numbers of Millionaires, Billionaires in the World. See Chart below.
-> Poverty in Rich Countries, G7 around 20%, Asian Countries around 85%: Japan, South Korea had the least population on poverty, only 5% had asset under $10,000 compared to richest countries, G7 around 20%. UK = 19%, US = 29%, Germany = 40%. Compared to Asian Countries ave = 85% population asset less than $10000.
That's why Scientist used Data, no mouth, tongue. Data is worth thousands words.


Even China has the 2nd largest Middle Class Millionaire Households in the world. The majority of Middle Class is Member of Party, Officials. China's The National People's Congress is a Growing Millionaire Club.

Toronto rank 1st in country, Canada rank 1st in number of Millionaire Households (Middle Class Home Owners) in Industrialized G7, in the World based on population. Canada has 65% Middle Class, and 485,700 of Millionaire Households around 4.3% of all Canadian Households.

Global Ranking Middle Class Millionaire Household. ( will continue update ....)

Calculate Net worth = Home + Car + Cash + Bank Act + Stock ... Anything can sell - Liabilities (debt). 90% of Net worth is Home. No one puts $100,000 cash under bed. They put in House or Stock, Bank Acct.

US in 1st global, there are 326 millions population, 6.5 millions are Middle Class Millionaire Households.
=> 28.5% under $10,000 - Compare 65% of the World under $10,000. 32% from $10,000 -> $100,000.
- 60% of US adult population are not Middle Class - The Reason: Home does not go up like Canada - Same as, Germany 62%, South Korea 60%. While Canada, UK, Japan has 50% population are in Middle Class. The World of Adult population: 65% under $10000, 25% = from $10,000 -> $100,000.

in 2nd global has 2.1 million of Middle Class Millionaire Households with 1.37 billion population.
in 3rd global has 1.24 million of Middle Class Millionaire Households with 127 millions population.
=> 5.5% under $10,000, 43.6% from $10,000 -> $100,000.
in 4th global has 820,000 of Middle Class Millionaire Households with 66 millions population. -> 18% under $10,000, 33.1% from $10,000 -> $100,000.
in 5th global 485,700 Middle Class Millionaire Households, 37 millions. Majority in Toronto, Vancouver.
20.7% under $10,000.- Compare 65% of the World under $10,000. 28.0% from $10,000 -> $100,000.
No easy save $100,000, unless having a home.
Most people when have money, they buy Car first. Car value depreciated unlike Home. No thing left.
in 6th global has 473,000 of Middle Class Millionaire Households, 83 millions population.
=> 40.6% under $10,000. ( mostly East German) - Compare 65% of the World. 22% from $10,000 -> $100,000.
in 8th global has 439,000 of Middle Class Millionaire Households, 67 millions population.
in 10th global has 307,000 of Middle Class Millionaire Households, 61 millions population.
Number 7th, 9th global? - later - And 11, 12, 13, 14, 15 ? - later
How about Hong Kong, Saudi Arabia rich oil, Australia, Taiwan ...

South Korean
has 200,000 of Middle Class Millionaire Households, 51 millions population.
2% under $10,000, 57.8% from $10,000 -> $100,000. 40% South Korean in Middle Class.
Singapore has
184,000 of Middle Class Millionaire Households, 5.6 millions population.
=> 13.8% under $10,000, 38.2% from $10,000 -> $100,000. 48% Singapore in Middle Class.
Hong Kong has
228,000 of Middle Class Millionaire Households, 7.3 millions population.
=> 20.0% under $10,000, 40% from $10,000 -> $100,000. 40% Hong Kong in Middle Class Net worth > $100,000
India has
343,000 of Middle Class Millionaire Households, 1.34  billions population.
90.8% under $10,000, 8.6% from $10,000 -> $100,000.
Indonesia has
89,000 of Middle Class Millionaire Households, 265 millions population.
85.4% under $10,000, 17.7% from $10,000 -> $100,000.
Philippine has
38,000 of Middle Class Millionaire Households, 105 millions population. -> 86.6% under $10,000
Malaysia later
Thailand has 22,400 of Middle Class Millionaire Households, 69 millions population. -> 90% under $10,000. 9% from $10,000 -> $100,000.

- Photo take from website.

A scientist did research said: - 60% US Adult citizens have asset less than $100,000 dollars.
7.1% have asset from 1 millions -> Billions dollars. 5% have asset 1 -> 5 millions. 2% 5 mil -> Billions.
15% of US Adult citizens have asset from 1/2 millions dollars -> 1 millions dollars.
- Compared Wealth to Canada, Japan, UK, US is not as rich as you think. Although it has the most Millionaire House Holds in the world.
- 1/2 millions dollars Asset will put you on Top 5% of The World Adult Citizens.
1/2 millions - 1 millions dollars Asset, you on top 10% population in Industrialized country like South Korean, US, German, Canada, Japan, UK, French, Italy adult citizens.
1 mil - 5 millions dollars Asset, you in Top 5% population in most Industrialized Country like Japan, China, Canada, US, German, UK ...
5 millions -> Billions dollars Asset, you in Top 1% - 2% population.

-> As Scientist, we used Data reflects the reality, not mouth, tongue. Avoid biases.

- Photo taken from the Report.

60% of US Adult citizens have Net worth less than $100,000. - Rank 1st = 6.5 millions Households Millionaires.

- 34.5 % are Middle Class German's Adult Population had asset over $100,000.
63 %
not in Middle Class of German's Adult Population (inc East German) asset less than $100,000.
Rank 6th = 473,000  Households Millionaires.

Vietnam has 14,500 of Middle Class Millionaire Households, 95 millions population. HCM City has proximately 6000 - 7000 millionaires of population 9 millions, the rest country is 8 thousands millionaire population 86 millions people.
: Data in 2016. But, in 2018, VN increased from 12000 Households Millionaires-> appx 16,000 millionaires.


Most millionaires live in big City. Canada is the richest country in G7. Most Millionaires live in big city Toronto (the most) and Vancouver. Average Housing in Toronto rank 3rd only after Vancouver, Silicon Valley, even more than New York. Se Blog in August. For example, US Capital Washington DC, ave Home = $383,000, but Toronto $840,000. In some districts GTA around Toronto, ave Home even around 1 millions. Home has 90% of Net worth.

- In next 3 years 2021, Canada will have
650,000 millionaire Households = 5.0% of all Canadian Middle Class Households,
equal to 40% all of Canada Wealth.  
Toronto is only Canadian City has the most Middle Class Millionaire Household with 9.5 million population. Vancouver in 2nd millionaire Households with 650,000.
- Home Price in Toronto, Vancouver puts Canada rank 1st of Millionaire Households by population in G7 and in the World. -> Increase Canadian Wealth in Trillions of dollars. This Wealth spreads into Economy, Community, Society. And help reduce Household's Debt.

NOTE: - A recent cooling, Home Value dropped
hundreds of thousands dollars, a lot people dropped out Middle Class.
We have seen it happening to a lot working hard people in a lot Communities. The number of people Get out of Middle Class more than people Get In Middle Class. People want Home Price down, don't jump in during 6 months Housing Bottom August, 2017 -> Jan, 2018 = Homes Sales Down -40%, No Buyers, while Home Price Down Hundreds of Thousands of dollars. More people sell Home, dropped out. But when Ave Home Price high in April 2017 = $916,879, more Buyers line up, multi offers, price war.
-> WHY when Home Price Down, bottom 6 months, from August, 2017 -> Jan, 2018, more Affordable, but less Buyers, people want price down not jump in?
NOTE: Toronto Housing took 2 or 3 months, June, July, August 2017 from Peak Down to Bottom -> 5 months in Bottoms, from August 2017 -> Dec, 2017 -> From Jan 2018 -> August 2018, 7 months in Trend Recovering 1/2 its lost.

=> Today 2018, 2019, Housing in Toronto has recovered 1/2 its losses from peak in spring 2017.

To become Middle Class Millionaire Households: - Not easy. It takes Home Ownership 20 years + At right Location Value like Toronto or Vancouver. Home Price up, doesn't mean you are Middle Class Millionaire Household if you own Home less than 20 years, need bought Home before 2000.
For example, a 20 year Middle Class could buy 3 of million dollars Homes, each worth $1,000,000 ( a million dollars) with 25% down payment. Are they Millionaire Household?
- Not yet. Because ownership less than 50% ownership = Bank 's Home.
If they keeps 1 x Home, own home around 20 years -> Millionaire Households.

Net worth of Middle Class Millionaire Households = Home Value (90%) + Home's Misc of Jewry, TV, Cloth Washer, Fridges, Couch.. ($30,000) + Cars ($50,000) + Bank Account (Cash) + Stock + Retirement Security (RRSP + 401 K + Gov Income Benefit ).
Millionaire Households work hard, try hard make ends meet, pay Bill, pay Debt, like average people.
If you are Millionaire Households, enjoy, have fun, spoil, spend money, self-indulge -> Then you will be delisted soon. -> The previous Generation built it, then the next Generation destroy it, not add value.

If you can dream Millionaire, then so do others. The Law of Nature Return. Who ever you are, where ever you live. Millionaire Status means you are very Good, Success, big, not small in Top 5% of population, top 5% of all Households, top 5% of all Middle Class in the Country. Use Data -> It is the Reward of your hard work, 20 years / 9-5. Every one wants to be rich, dream Millionaire.

If you are already Millionaire, dream bigger.-> Donald Trump at 71 years dream to become US President. And he did it @ 71 years old. Most Seniors in Management, Directors of big Companies like Facebook, Oracle, Amazon, Google, Apple... are Millionaires. -> Opportunity opens to people who dare to dream Big.



  Current Updating:

Office anywhere in the world: - Email or submit Form a Domain name your choice, like JennyStore.com -> We install Office website 5 min. -> You Login your own Cloud Website, like your own Home, www.JennyStore.com/jenny (security) with UserId & Password by us. Make shortcut App Icon Login (At Setting at right corner browser -> Add to Home screen -> Type: Login) -> Setup Product Catalog using Office Product Catalog Builder -> Now, Business and customers can use Office site.

- Now, Office is serving businesses in Local, not ready Global yet, very soon.
The best Athletics are in Olympic. Company should run like Olympics.

All is about the Price and Quality: Very very affordable. What ever Vend Pos can do, Office can, even better.

When build Office, we do research not just Vend Pos, but also top 10 best Pos in the world from companies value more than 100 millions dollars to multi billions dollars. Investors invest at least 50 millions USD. Each software is Designed differently, different Problems solving, different Look & Feel, color, and Interface.
We know what are the needs of tens of thousands of businesses using their software. Easy to use is what customers want.

Today in New Digital Economy, most businesses need inter-connected, reach out customers in 3 x different Sales Channels: In-Store 35% sales, Online Ecommerce 30%, and Mobile 35%. In the Internet Age, Cloud and Mobile, you must have your business's presence on these 3 x Sales Channels, whether you like it or not, use it or not. Else, your business is behind modernized competitors. Only Office is built seamless integrated into All-in-One: Pos + E-commerce + Mobile. You create one Product or update Price, this will be on Online, Mobile, In Store instantly, and see on Laptop, Tablet, and Mobile, whatever devices. This is big different between Office and other Software. In China, stores sell more customers thru online and mobile than in store only 30%.

Our goal is: Global High-end Product with the cheapest Price. => Office is built software more efficient, optimized resources helps us reduce cost. While others software companies need multi-millions dollars Platform for hosting their software. Thus more cost, less profit.
Case Study. A Restaurant needs a Pos System at Counter + 2 extra Pos System for 2 Staff used extra. Cost:

- Vend Customer paid = $129 x 12 = $1560 usd / year after year + Extra Licence. = $1560 + $49 x 2 = $1660 usd / year, repeat every year

- Use Paper Bill 3 x Carbon Copy, no Pos System cost =
$3950 / year, repeat every year ==> Cost the most. Carbon Paper cost more than Digital.
- Use Paper Bill + Pos for Input Data from paper = Complicated. Duplicate Time & Money.

Not smart. Not Green. Not efficient! Back & Forth = Cost more Time & Money. Lost Data.
Learn and Adapt Digital Economy soon.
Embrace Change in Changing Time.

NOTE: In some Countries in some Provinces, the Government requires Businesses must have a POS System that Tax people can login and audit online. It costs a lot of Time & Money, inefficiency to audit on tens of thousands of Paper Bills submit. A lot of stories about small businesses were audited, paper, data not transparency, paid big heavy tax penalty estimated by Tax people, even missing few Paper Bills + Cost labour's time for audit paper.
-> As a result, they closed business, transfer name to different owners.
Run good business, peace of mind, needs a Pos System better for your own benefits. No one wants to tell their Audits. But we hear alot.

-> Tax people are smart. They just look at
your Expensive like Business Rent + Your Home's Rent, your Supply, your Employee ... -> Then can calculate how much revenue your businesses has generated to be able open business in 3 years. Having a Pos system easy to keep track orders, invoices, receipts, and easy prove your Data Transparency to Tax people and in Court. Business has more credits having a Pos.

In Office, each Receipt (invoice) = each Order in OOM (Office Order Management). So much easier than Paper Bill. Very Transparency. A Receipt or Order in OOM contains: Detail of Order, such as, many Items, Desc, Price, Qty, Subtotal, Tax, Discount, PayBy (Credit, Cash...) DateTime ... Very Transparency. No complain. Tax Audit gives your business alot credits. Save them big Time & Money. ->  See pic of a Receipt or Order in OOM.

- Paper Bill Receipt = Submit tens of thousands of paper, no time go thru. Hard audit, but this doesn't mean they trust your paper, take it easy for you => Thus easy for Tax man Question, and Estimate. Paper is hard to prove to Tax man, in Court. Today, Audit happens every year or 2 years. Audit is scary, having Pos sys, peace of mind.

=> Government encourage, want people start-up business. But, your business must be Data Transparency, if don't know then Learn -> For Your Own Benefit.

A Story:-  A story no one wants to tell. Do Business is Keep Good Data.
NOTE: There are businesses having an Accountant cost $50,000 / year and plus Pos System, many Businesses Software System, even cost extra tens of thousands dollars in order to keep track every dollar in / out. Small Businesses can't afford, there are few hundreds Business Software System good for you. A must have a Business Software System.

We work hard, save money open a Small Business. We get used to run business used Paper no Technology. Back home country, Business was told to keep less data -> Be careful. In Industrialized Business, more Data is Good.
Then one day, a Tax Auditor came to audit. We show few Notes books + 50 thousands of papers, receipts in boxes. Tax Auditor asked many questions, such as, "- See Customer Database? - Show receipts customers randomly? - Show Orders by Cash? - Why less claim Revenue, while you can afford open business many years? .." - But we can't answers, impossible get all receipts by Customer, Orders Paid by Cash. Everything in papers, receipts stored in many boxes. They have no time to re-calculate thousands of receipts. The result, we got an estimate in Tax Penalty = 30,000$ for few years in Business ( Cost Time go thru tens of thousands papers ) plus Interest Payment. Go to court, Tax Consultant will cost more, because you don't keep Good Data. Our Book Keeping even blamed on us. -> Later, Tax Auditor reduced to $20,000, because first wrong we don't know much about Tax Auditing, Pos, Business Software.
-> We learn in business is keep Good Data. This applied all kinds of businesses. We thought that give thousands of papers, they had no time, accept what was given. But they look at each receipt: DateTime, Items, Total, Qty, Cash/Credit... Government needs Tax Revenue to provide Services, Benefits. Tax Auditors in Industrialized have billions dollars System, Hi-tech, Government access privileges  -> Know your business better than you. They know your Home, Car, Income, yearly expensive Vacation, Bank. They send people pretend customers in your store. Know how many your staff, on ave how many your customers in/out store. Know how keep data when customers pay.

When got Tax Penalty, we though not fair. We had hard time. (NOTE: Tax man asks: - Why still open business. You must make money). Industrialized Middle Class, ave 20 years, contributed Tax 1/2 millions, in 10 years $250,000 Tax. In a survey, Households Debt (Middle Class Home Owner) is high in Industrialized; While our business is good, still in business today.
-> Now with help, we use Office, A Business Software System, Manage Business Better, peace of mind. Work hard and work smart. Thanks for advice!

- A Business said: - Tax people more happy if you keep Good Data. Save time. Forgiven. Give back. Wish your business success. No one wants Penalty. Today Modern Time, Digital Economy, doing Business, You need A Business System. Simple! => Can't Afford, there are less expensive Business Software System few hundreds dollars.

NOTE: Office not just keep track data, receipts, orders, but also help business use Technology leverage their potential in New Digital Economy. Every Business is the same. It has: Customers, Products & Services, Price, Qty. Use Office, first Create Products & Services, Price. When people Buy your Products & Services & Pay -> You 1) Add Customer Name, Contact. Restaurant no need. -> 2) Add-to-Cart Items. This Sales became an Order or Receipt stored in Office Order Management -> 3) Pay, enter Amount ... Office has OOM, not A Summary.-> Every Order is a Receipt or Invoice.

Community, School should have free class Use, Howto, Q & A : Pos, E-commerce, Mobile, Mobile Order, Self-Order, Data Analytics ... for small business. FYB = For Your Benefit.
Contact our Developer
. ddanpros @ hotmail.com  - NetthruOffice @ gmail.com - Social Media

- Cost about $3950 / y -> Carbon Paper Cost more than Digital.
- Big Cost Time  back & forth, inefficiency - Easy lost paper. - Hard to manage & track.
------- Mountain of Paper ---------
Office Order Management = Receipt Box for easy Search & Find Data

- Drown in mountain of paper bill.

How can I find All Orders History of Helen? - Thank You!

Yes. Type: "Helene Ng" in Search Box -> OOM Find and List 569 Orders Receipts 5 years of Helen 10 sec. Include: Invoice #, Items, Desc, Qty, Price, Sub, Tax, DateTime, Staff, Contact

-> If Tax Man can't find this ** Basic Info ** then you got big problem. - No good Manage. -> Already Happened. In business you must have customers. Right? -> Office helps -> Easy.

-> Tax people will estimate big tax because no time go thru mountain paper. You pay Labour's Time. - Paper Hard to Manage!
- Paper not Transparency.
=> Need Pos System, a must for Your Own Benefit (YOB)

- In Office, each Receipt (invoice) = each Order in OOM (Office Order Management). So much easier than Paper Bill. Very Transparency.
-> Big challenge for business is Track & Organize Data in Order. Office helps. Human, Paper can't.

- A Business said: - I used Pos, Business Software System, just for Tax purpose. Sooner or Later get Audit. Get Audit soon is better than Get Audit later, because big Fee, Interest Charge accumulated. Learn.

- Salary = 60% Revenue + Bonus.
- You are your own Boss -> No deadline. No push. No pressure. No sales target.
- You One-on-One Service + Customize Service, you win. Big company can't afford this service, only Email, Phone. No customize.
- You help: E-commerce, Pos, Mobile Order, Self-Order, Mobile Pos ...

- Sell 499 Offices x Price = $799 => You make $250,000 USD + extra Consultant Fee.

-> We take care Technical & Support.

- A Business said:- Our business has a tradition Pos. Then we need online E-commerce. Developers charged $2500. Then we need customer can order on Mobile, called Mobile Order. Developers charge extra $3000. All 3 x Systems Pos, E-commerce, Mobile are separated very hard to maintain, complex.
=> Better get All-in-One Office integrated, so much cheaper, easy use & maintain. One update, change price update all 3 systems.

- If not use E-commerce, Mobile Order then use it like website see on Laptop, Tablet, Mobile.

Other Systems: No Mobile Order Pick-up, no Self-Order, no flexible Price for easy sales.

Office is built on 400 millions dollars USD. Framework. This Framework has been used by big multi-billions Cloud Software company for their Cloud Products. Quality is #1.



We are looking for Sales & Marketing Executives where ever you are in any country.

- We give you 60% Revenue + Bonus. Our Price is affordable,
flexible, not fixed Price like others, Vend -> Thus easy for you to sell. - Salary = 60% Sales Revenue + Bonus -> In 2 years sell 499 Offices -> You get paid $250,000

- We help, support, setup you free website for you include submit form, your own content. You execute your own plane. You are your own Boss and VP to us. We will come see you if in Toronto. We don't need to know your customers.

1-> You have a Network of Customers, Friends, Relatives, Local Community, Business Card, Advertising,
Spread words of mouth is the best marketing, talk to your friends, relatives, community, social network. You work hard make $250,000 USD.

2-> You are a News Paper, Radio, Broadcaster Business. You have Marketing Staff, Media, and Marketing Tools. You place advertise on your Media -> Send customers to us, or customers can contact direct with us. Together we can make a difference. You work hard will make
$250,000 USD in few years.

3-> You refer customers to us. Or our Product will help your customers. We take care them. You work hard make
$250,000 USD. Nothing is easy.

Our job is focus on Product, R&D. Can't write code & Sales.

Main differences Office with other systems:
Price and Licences: - Office's Price flexible, easy Sales - Unlimited Licences. Use 1 or 50 Tablets same Price.
-> Vend Pos, add-on 5 Licences for 5 Staff / Tablets cost = $400 / mo = $5000 / years. Impossible for Self-order, too expensive for each Tablet / Table or each Tablet / Staff.
High-end Technology, Quality #1:
- Built on 400 millions USD Framework, solid, power, large scale. Office = Other System's Enterprise.
- Make shortcut Admin Login icon by UserId + Pw given by us, on Mobile. No one knows this address. Not like Online Banking knows Login URL.
Example: www.mystore.com/jenny -> Then type UserId + Pw to login
Can Customize: Add-on few features in need for customers.

Each customer has its own Host:
Like own Home. Not one big Platform one Software, sharing Host with thousands customers.

Self-Order, Automation: - Customers can self-order on Mobile, Productivity, Efficiency, Automation. Only Office. In Japan is developing Server Robot. In order countries huge R&D spending for Automation like Sel-Driving Car, in US like Amazon GO ... Self-order is first step R&D to automation, efficiency.
All-in-One Integration in one Software App:
Pos, E-commerce, Mobile Pos, Mobile Order in one Software App. Once update Price, update all. No many separate Apps, hard maintain by small businesses with no IT.

All-in-One Office integrates: Office Commerce, Office Tablet/iPad Pos, Office Mobile Pos, Office Menu, Office Card, Office Order Management, Office Pay, Office Table Manager, Office Product Builder.
-> When use Tablet/ iPad, Office launches Office Tablet/iPad Pos.
-> When use Mobile, Office launches Office Mobile Pos
-> Click see: Office Menu Pos
|  Office Order Management
Not jus a Pos: - All-in-On Office used for: Pos, E-commerce, Mobile Pos, Mobile Order, Pick-up/ Delivery ... By Design, it is used by all kinds of Businesses like: Retail, Nails & Spa, Restaurant, Food Services. Vend hard for Restaurant, Food, Coffee Shop because no Table Manager. Mobile Order, Mobile Pos: - The first System, by Design, is built for Mobile first, like Mobile Pos. While other system, by Design, the lay-out screen optimize for iPad first, not fit in Mobile. That's why called: iPad Pos. Requirement: All you need is a Laptop or Tablet, iPad, or just an iPhone, any Smartphone (All demo on Mobile as seen.) run All-in-one Office Software, and Pos Printer. No need expensive Hardware, Software.

Customers say in few words: "- We use Office for Database Product Website can Create & Update Products, for Sales & Marketing, and for Online Order E-commerce, Mobile Order, and Pos. Keep track Sales Data, Manage business better, Operate Efficiency, Self-Order if needed, Pick-up, Delivery. We now reach out customer anywhere, online, mobile, on any devices: Laptop, Tablet, iPad, iPhone, Samsung Phone, Smart Phone, large scale. Office is easy Use & Maintain, affordable Price, no extra Licences, and good Software Quality. All you need is a Laptop or Tablet, iPad, or just an iPhone, any Smartphone (All demo on Mobile as seen.) run All-in-one Office Software, and Pos Printer. No need expensive Hardware, Software. No need website. Just Info Website, no Database, can't update Info, Photo, Price, Promotion .. cost $699.  " 

First Step: Our Head Office in Toronto. Contact: both email ddanpros@hotmail.com and NetthruOffice@gmail.com - See you. Or: - Contact: LinkedIn you know who. => We open for business. All is up to you. Customers, We, You = Win-Win-Win

- A Sales Executives said:- Today uncertainty, you need Plan A, Plan B, multi-Plan at a same time. I have a full-time job 9-5 everyday. After Income Tax, Living Expensive, I have left not much. Now, I work part-time as Sales Exec for Office. I waste no time. Little by little, I build and expand my customer base. I give people Business Card. Words of mouth spread very fast, people know what I am doing. They come for help their businesses, home based businesses. Not only they get
my best One-on-One Consulting, but also they get the best Price no company can compete. When I show them them Price from other companies. A lot of Businesses just need E-commerce (up 30% Sales) + Mobile Order (up 35% Sales). I sell Office, already built-in and Integrated All-in-One. Other Systems have only POS, only iPad no Mobile. They pay me at least $2500 for that service. For Technical & Support, the Office Developers will take care of.

A Business said:- Only few hundreds dollars, not just a common Pos, Office help my business so many things, operation efficient, cut cost, increase revenue, reach out different customers in different channels: online, mobile, in store. Before we had only Pos -> Then we need E-commerce. We paid online E-commerce site $2000. This E-commerce site does not work, run on Mobile -> Then we need Mobile. We built separate Software App for Mobile Order, paid extra Mobile Order App $3000. Both E-commerce & Mobile Orders System are separated, take care, input data, update data 2 system separated. Very hard maintain. Not integrate like Office. Now few hundreds dollars, we have All-in-One Office everything integrated all needs for business. Now we learn hard lesson = Not everything works and integrates like All-in-One Office.
If you need All-in-One like Pos, E-commerce, Mobile Order, Get All-in-One now, later very hard and costly to add-on each App in separation. Sales Executive should explain people this costly hard lesson.

Update: August, 2018

Office Search @ Main Menu

- Type: bread (bre or san) -> Got 2 items

- 3 ways to Get Item:
1) Office Search: Type partial words
2) [<->] = Group Menu -> List Items
3) Setup Main Menu display most Favourite

- Update: 24 July, 2018.

Office Order Management = Receipt Box
for easy Search and Find Data

=> Type Search Box: cust helen ng 2018-07-01 2018-07-20 -> List all Orders (= 2 Receipts 364, 351 ) of customer Helen Ng bought in July 1 -> July 21, 2018. It shows Search: 2 receipt; Tot = $19,77.
- Touch 351 popup Detail Receipt # 351
- Total Orders in OOM = 358 so far.
- Search words remain in Box, easy change Search, Date. Click Refresh back OOM Listing.
- Good Data & Presentation. Paper can't do this.
- 50 thousands receipts no problem in 10 secs.
- Find Total Sales, Total Qty Heineken Beer, or Japan Ramen Soup
Sold July,1 -> Aug, 1 in 10s. -> See Product Search #3.
- Brain can't remember even 5 passwords. Do Business relies on your memory
will lost money, lost customer, lost business, don't even know.

- Update: 24 July, 2018.
New Office Search
The challenge for Business is Track Data & Get Data. All kinds of Losses result from No Good Manage Data = No Good Manage Business. Office fastest, easy get Data few seconds. Mobile.
Search & Get Data need directly.
No long Report back & forth, general. Can't Get specific Data need.
No System can list Order or  Receipt or Invoice in Detail like OOM. Save Time & Money

1) - Search Name, Phone, Email, Address
Type in OOM Search Box: partial Laura, or partial Phone, Email, Address
-> List History Orders, Total Sales contains Laura name, or Phone, Email, Address. Example, type: 905, or West street -> List All Orders contains Phone 905, or West str.

- Search for Sales Orders by Date.
Type Search
Order  2018-05-01  2018-08-01
-> List all this Date History Orders (receipt) and Total Sales, Total Tax from May 1 -> Agu 1.

- Search for A particular Product Sales.
Type:  item 451  2018-05-01  2018-08-01
 -> List all History Orders and Total Sales of Product Item #451 = Japanese Ramen Noodle from May, 1 to Aug 1. Example: Find How Much and How Many Heineken Beer, Japan Ramen Soup sold from 1, July -> 1 Aug.

- Search a Customer.
Type: Laura Ng 2018-07-1  2018-07-20
-> List in this period July 1 -> July 20: History Orders (receipt) and Total Sales.
-> Audit, first Tax man asked for Customers. Some Businesses delete all customers. No keep Data of Customers. No Customer Database. -> In business must have Customers. So important for Sales & Marketing. Businesses Get Penalty because No Customer Database.

- Search a Staff.
Type: staff jenny d  2018-08-01  2018-08-10
-> List in this period of date Aug, 1 -> Aug 10 = All Products & Services and Orders (receipt) and Total Sales of Jenny D Staff has Done or Sold.

- Search for Order by Cash/Credit.
Type: Cash  2018-08-01  2018-08-15
-> List in this period Aug,1 -> Aug 15 = All Orders Paid by Cash and Total Cash Payment. -> Same for Pay Credit. -> If Tax man asked for Order paid by Cash -> In business must have Paid by Cash Orders. Show some something. Don't say No. Grade 5 knows.

- Search for Pickup/ Delivery.
Type Search: Pickup  2018-08-01  2018-08-06
-> List all Orders Pickup (or Delivery) this Date

- Search for Tip, Coupon, Discount.
Type: Tip  2018-08-01  2018-08-15
-> List in this period of date Aug,1 -> Aug 15 = All Tips and Orders has Tip, Total Tips. -> Same for Coupon, Discount.
-> If Tax man asked for Tip -> In business must have Tip. Show some something.

- Search for Gift Card In, Gift Card Out.
Type: Giftcard in  2018-08-01  2018-08-15
-> List in this period of date Aug,1 -> Aug 15 = All Gift Card In and Orders has Gift Card In. -> Same for Gift Card Out

- Top OOM Report, you can List All Orders, Products & Services, Total Sales, from Date -> to Date.

OOM Report -> Get quick Today Summary Sales Report, Details Sales Report or From Date to Date. => Get Total Sales, Total Tax from Date to Date.

NOTE: To work hard for something, you need patient. For example, It takes us many years to build Office. If you want easy -> Nothing is easy.

Today, Automation changes the way we work. Companies are investing in Self-Driving Cars, Amazon GO Store. We are the pioneers investing in Self-Ordering. Why only Office can provide Self-Order? - All is about Licence and Mobile Ready - Because other Pos like Vend are built like big App, each download take long time, hard Setup, and Cost license / App, like Vend Pos Register cost $59 / Register. Other Pos, Vend Pos are not Mobile Ready. Customers can't be in store, Download big App long time -> Setup -> Use = Very hard. While Use Office, No download, Customers just touch on shortcut App icon open web browser  -> Place orders.
A Business said:- Run a Business a lot of cost, Rent, Staff, Software, Hardware, License ... Office help our business run more efficient, reduce cost.

- $119 usd / mo = Pay every month. Can cancel after month. $99 / mo = Sign contract yearly. Can't cancel.
A Register = 5 Staff use 5 Tablets installed Vend Pos = 5 x $59 usd = $300 usd / m extra. Total = $400 usd/mo.
- Staff and Customers can't run Vend on Mobile. iPad only. Vend by design not for Self-order, Mobile Order.
Ask other company:- How much cost you to build just an e-commerce website, not including Mobile Order, Pos, and a lot less features than Office?

- Vend Pos
just Pos, for 1 Licence / Tablet, paid monthly subscription cost more than 1000$ usd / year. 5 Staff carry 5 tablets Vend Pos around store = extra Addiction Register = 59$ usd / mo =  5 x 59 = 300$/ mo usd extra. No way that Business can use Vend Pos for 20 Tablets = a lot money.

Use Vend Pos, no way, never Customers in/ out Store can place order by their Mobile Phone. Global customers in developing countries can't afford this price.

- Vend Pos is one of the best Cloud Pos software on the market.

Investors invested 100 millions in Vend Pos. It received 20 millions USD from Peter Thiel’s Valar Ventures and Square Peg Capital. https://blog.vendhq.com/post/64901824985/vend-raises-20m-funding-round-co-led-peter-thiels-valar-ventures-square-peg-capital. Recently Dec, 2016 Vend Pos also received many other funding: 9 milllions, then 13 millions, 60 millions, and many other rounds. CEO said Total value at 100 millions. https://pitchbook.com/newsletter/vend-secures-9m-investment.

Corporate Investors
Today new Economy, businesses and corporations sell everything, not just their core product. For example, Microsoft sells Mouse, Tablet... Google sells Tablet, driverless car, invests in all kinds of businesses. Amazon sells Food, invests in Space, Movie, New Paper ... Office is developed on 400 millions usd Framework, the latest new Technology used by big multi-billions Cloud Software Company, that no other system has done, because legacy system is built on old Technology over 10 years ago. Simply ask: "- Why people spend not 100 millions, not 200 millions, but 400 millions USD to invest R&D and build a Framework?  -> What 400 millions usd in R&D can do for your software? "

Any software system, like Windows, you use only 30% of its features. Can't customize your own need.

Using Office is having your own website, your own House. Easy customize, add-on few features for your needs. Office Installation is Self-Installing in 1 minute / Customer's Domain. Customer then Login their Domain, Type web browser: www.mystore.com/Login -> Setup Products -> Use.

- While other Software Companies are built its software on big Platform for all customers share.
Your Pos System is shared with thousands other customers. You can't ask the software company to change color of a button. Because when they change for you, the rest of customers also inherit that change. What add-on feature you need doesn't mean other customers needs.

There are a lot of businesses, specially Medium sized and Big Businesses, Corporation want to customize, add-on features for their own needs -> To satisfy them, Vend and other Software Companies offer expensive account, call "Enterprise" like Vend Enterprise, or "Plus". Using Vend Enterprise, you have your own Website like your own Home. You can Customize or Add-on features for your own needs. -> Very expensive.

A Business said:- Only few hundreds dollars, not just a Pos, Office help my business so many things, operation efficient, cut cost, increase revenue, reach out different customers different channels: online, mobile, in store. Office is built on 400 millions dollars USD. Framework. Quality is #1.

- Software Company like Vend build its Pos Sys on big expensive Platform for thousands customers sharing, like Building for tenants rent a room.
- Can't Customize your own Appt.
- To Customize customer' own needs, Software Company offer Account: Enterprise, like Vend Enterprise or call "Plus" - Very expensive.
- Office is build your own website, like your own Home. You can add-on few features in needs.
- Office = Vend Enterprise or Other "Plus".
- Office is built on 400 millions dollars USD Framework. Can't lie if we sell Hyundai car, but tell you 200 K Luxury Mercedes car. We can get sued. Very important need to know. This Framework has been used by big multi-billions Cloud Software company to build their Cloud Products.

Support:- Very important. Most Pos System provide short Phone / Email support back & forth only. Take long time. Office has Local Consultant help & support Free One-on-One when in need like Training. Even big company can't afford One-on-One support -> Fee very expensive.

Technology: Office Plus 400 millions usd Framework. What 400 millions usd in R&D can do for your software? Click here What is Framework ?
- Office is built on
400 millions USD dollars Framework, the latest New Technology, and affordable Price. Which helps overwhelm competitors. This is big Plus. Quality is number 1. None of any Pos, E-commerce, Mobile on the market now is built on Framework. Software like car, any car drives you from A-> B. But high-end car 200K big different with low end car 30K. Investors, Businesses, Customers who have no deep Technology background, who are not technology oriented on making decision. Now they just know.
What Is Framework?
- A latest New Technology is used to build a solid Foundation for software.
Most software design, build no Framework. Framework is so powerful, scale, a solid foundation, a new way of Software Design & Architecture. That's why "big" Corporation spends & invests 400 millions USD in R&D to build Framework, a new way of Software Development of big Corporation. Small software business few millions - Tradition Software Design, no Framework, Technology used currently over 20 years.
NOTE: This Framework is from a multi-billions dollars Software Company used for its Cloud Software Development. Developers stay and leave. What they leave behind is what the company inherits.

Investors:- In any country, 90% are small businesses, Mom & Pop stores, Home Businesses. This translates into millions of small businesses. Almost small businesses need Pos to keep track records, sales data, and other technologies like E-commerce, Mobile to leverage Cloud & Mobile expand business.
What ever investment you can make any amount big or small. We thank you very much. We use it to speed up Development. Investors will receipt an email from us. Big or small Investors will be invited to our meetings, and thru Skype. Like many Start-ups, we go thru up and down, but we
commit to build software for the long time.
Our goal is: Global High-end Product with the cheapest Price.

- Businesses in developing countries can't afford Price, Licences, Hardware like Vend Pos or many Pos System built in North America, Industrialized Countries. Office cost less, because it is built on the high-end most expensive 400 millions usd Framework latest Technology, leverage Office product overwhelmed our competitors, more efficient, hardware, network, software resources optimization, large scale, like high-end cars, fast, robust with fuel gas efficiency. To Build best & powerful Product needs best & powerful Tool. This 400 millions usd dollars Tool helps us build advanced Product that other software company CAN'T. While other Cloud Internet Companies invest a lot money in Hardware, Servers, Network Resources -> High Price. We can customize Office to fit businesses in a country.
- Investors should not invest, money back if Product Development without 400 millions usd Framework written on Contract
, a legal binding document. In business is in good faith. Multi millions software Company like Vend has hundreds of developers. But they back & forth, re-invent, lack of experience, most important lack of Innovation. While Start-up a few good men will build product better.

A Story: Facebook when a small start-up building social media Facebook, at that time, Yahoo was a very big 100 Billions dollars Internet Company, with tens of thousands of software developers. At that time, early in 2000s, My Space, a social network, very big, worth nearly 1 Billions dollars. Yahoo, Microsoft was very much in need a social media network. Yahoo wanted to buy Facebook for 1 Billions of dollars, but rejected by CEO Mark Zuckerberg when he was still living in an Apartment. Finally, waiting for at least 10 years later, in March, 2016, Yahoo bought Tumblr, a social media network for 1 Billions dollars. Tumblr is also built by a Start-up company. Why did Yahoo 100 Billions dollars Internet Media Company, tens of thousands of developers build themselves a social network, very important strategy for their business? - With 1 Billions dollars they can build software anything? - Why did they wait for at least 10 years later, and spent 1 Billions dollars to buy a social media built by a Start-up? -> In software business is not easy ! -> All is about Talents. Without Talent and Innovation, even Billions of dollars can't help. - Yahoo today gone, was sold in 2016 for 5 Billions dollars, used to valued more than 200 Billions dollars. A lesson is learned for any size company without Innovation, without Talents, even Billions of dollars can't help.-> This kind of Story we hear over and over again.
Every year, Silicon Valley spent
50 Billions dollars to invest in Start-ups. Even some of Start-ups have only prototype, ideas, not actual Products yet. Almost big companies came from Start-ups, like Facebook, Apple, Alibaba, Google, Yahoo, Twitter, Oracle, Microsoft, Amazon ... CEO of a big software company said:- The thing keeps us wake up at night is some Start-ups some where at the corner in the world, comes up a new product that will disrupt or change the established (tradition) Industry.

How Can I as an Investor Invest in Office?
If you are in Local Toronto, we meet you. If you are around the world, just send us both Email. Then we send you a Link to our Pay Pal Account. OR, we Text Office Pay to your phone. Office Pay is the first Payment by Text on Mobile. You touch on the Link, open Office Pay -> Fill Credit Card. As Investor, you are automatically hired for our Office Franchise. See you. Thank You.

 Contact us: both email: ddanpros @ hotmail .com - NetthruOffice @ gmail .com - Subject = Let's Talk.

- Office Table Management for Take Order, Self-Order, Payment fast, easy 2 Steps.

Step 1) Use Office Menu, Customer self-order, Staff take orders Add-to-Cart . Step 2) Orders in @ Table Manager -> Pay that Table. Done.

Table Manager: - Keeps track Orders & Payment by Table. Server & Kitchen Staff know easily -> Which Order Item belong to Which Guest @ Which Table & Seat.
An Active Table:
- Is a Table currently used by Customers eating, not paid yet. After paid, this Table will not be seen at Active Table Manager.
A Ticket Number: is the ordering food Item used for preparing food like seen in MacDonald. When a food Item is already prepared, staff touch Ticket Number Button like [77] -> Status = YES.
Self-Mobile: - Is the order by customer used their Mobile Phone or given a Tablet. No need waiting for server. Place order anytime. Has icon Mobile. Staff Take Order, must Login first.
Customer can't see [Tablet] on Menu, only Staff.
An Order: - Has 1 or many Items. A Table have many Orders. Guest keeps Ordering. After Place Order, in-store Orders in Table Manager, in Office Order Management for Data Analytics, Calculation Tax, Total, Revenue ... NOTE: Online E-commerce Orders, Mobile Order Pick-up will not in Table Manager in-store only, but in Office Order Management, process Payment from OOM, just touch on blue Payment Button -> Pay. Office Order Management is where All Orders in-Store, Online, Mobile are stored. From OOM, you run Daily Reports, Data Analytics, Daily Total Sales, Tax, Revenue... and other Reports.

How It Works? 3 Guests come in restaurant, sit at Table T1.
In store, there is a sign to show simple Instruction of Self-Mobile and Website Address. Which also helps promotion business online. And E-commerce, Mobile Order if provide in future. Guests can always ask for server but may take time when server is busy for other Guests. All Orders include Self-orders First Come First Serve based on Ticket #

Staff Kat Lee Login Take Order, see pic #1 for Guest 1 = Japan Raman Soup, Item ID= #451, Ticket number = 71 @ T1/S1 (Table 1, Seat 1) -> Create Order = 152 -> in Office Order Management
Then Kat Lee Take Order, see pic #1 for Guest 2 = Pho Beef Meet Ball, Item ID= #335, Ticket number = 72  @ T1/S2 (Table 1, Seat 2) -> Create Order = 152. -> 2 x Items in Order 152.
Guest 3 used Mobile Self-Order used its Smartphone = Japan Soba Noodle Soup, Item ID= #450, Ticket number = 75 @ T1/S3 (Table 1, Seat 3) -> Create an Order = 153 -> In OOM.
NOTE: Guest 3 can use his/her mobile phone take order for other Guests in table.
- After finished eating 1st Order, Guest 1 @ T1/S1 used Mobile Self-Order = Bread Sandwich, Item ID= #506, Ticket number = 77 and Orange Juice, #476, Ticket number = 78 -> Create Order 155 In OOM

Each Guest and their order Items identified by Seat
. Guest can order anytime by themselves using their smart phone. They continue order, like Guess T1/S1.
After finish meal, Guess Check-out at Counter. Cashier open Table Manager at menu
[Table] see pic#1 -> Open Table Manager see pic#2 -> Touch T1 open T1 Total = $29.94 -> Touch [Pay] and enter @ Payment = 35$ given by customer, then enter Tip, Coupon. See pic #3 of Payment -> Touch Submit.  -> Return Change = $5.06 to customer. T1 Closed. No see. Ready for next customers. See pic #4. Done! in 2 simple steps. After paid, Table T1 Closed for next other customers. All Orders are registers in Office Order Management for Data, Analytics, Total Revenue, Tax ...
See Photo
of Product, Server. Other System don't.

- Tracking: Staff Kat Lee, Order Time, Order ID, Total, Quantity, Price, Table/Seat, Item, Ticket, Item served ... See her photo & Food photo. No Pos System has done this.
- In kitchen
, Chefs used Tablet or Mobile -> Touch on that Table T1. Know: -Which Food Item @ Which Table is Served =YES or Not Yet. Staff touch button Ticket # [77] = YES, bring food served Guest.
- All Devices: Laptop, Tablet, iPad, Mobile, iPhone, Android, Samsung ... Everything fits good. Staff & Manager used Mobile, Tablet: Take Order, Track Orders, Take Payment .. like Mobile Pos.
- Office cost less, because System Design Enterprise Framework, Efficiency, Optimization Resources, Robust, Fast, Large Scale .. No Framework could cost $1000 / customer = No Profit. Internet Company paid a lot of money for Network Resources, Hosting, Hardware ... Use high-end Technology Framework reduce Cost $$$. Our Cost / mo / Client = very low.
Office has done 80% of
Work, Operation, Tracking Orders, Pick-up, Delivery, Pos, E-commerce to Mobile Order ... Collect a lot of Data for Data Analytics. Much more efficient than 50K Manager. Help Businesses leverage their potentials using Cloud & Mobile, and bring their business to the next level, large scale.
Office Requirement: A Tablet, iPad, or Smartphone, or a Touch Laptop, PC + Pos Printer. No need Pos printer if Print from Credit Card Terminal.
: Login Cloud Office website -> Setup Products -> Use. Step & Step  Manual inside.

How about other Businesses like Retail, Nails & Beauty Salon ...?

Table Management is by design for businesses that have a Group of customers, sit at Table, repeat orders like Restaurants, Coffee Shops. Which helps easy keep track Orders and Payments. For other Businesses like Retails, Nails & Salon ... that don't have a Group of customers, usually have each customer will pay for each own order, including many items on 1 x order -> Then Office Order Management is used. For example, Using Office Office, A Retail Store scans each Items in 1 x Order of a Customer. This Order is in OOM not Table Manager.

A Nails & Beauty Salon & Spa have 20 customers in service in store is using Office.
Staff write down the services of each customer they serve, like 1 x Manicure, 1 x Pedicure.. on paper. Most Nails Store are doing like this. After done service, Staff gives the paper of this customer to Cashier @ Counter -> Cashier use Office Menu:
Step 1) - Add Customer Info in system. Touch on Menu Icon [Add Customer] (see pic# Add Customer). - Step 2) - Add-to-Cart each service Items on paper: Item#1 - Manicure, Item#2 - Pedicure... in 1 x Order of this customer. -> After Add-to-Cart, Cashier touch on button [Pay] on Menu -> Select Pay by Cash, Credit Card, Office Card. Done! Not [Pay] from Table Manager. Order 123 in OOM. Can also do Payment for Order 123 at OOM touch blue [Button Payment]. See pic# OOM. Then Cashier returns Paper to Staff for record. Customers don't do anything.

What You Can Do with Office Order Management (OOM):
 Manager see Photo of Staff in OOM. Can run Total Sales of each Staff today, a week, month, in From Date -> To Date in OOM. Run Reports Today, From Date to Date. = List all receipts (order, invoice) in Detail (see pic$). See OOM Data Analytics. Search customer Name, Phone, Order in OOM. For example, Type Name = Helen, will Search and List all Orders from Helen.
IMPORTANT: From Office Order Management, 1-Click, you send Office Pay to customer's Email or Phone Pay by Pay Pal the amount on Order.
All Orders in Store Orders, Online E-commerce, Mobile Orders Pick-up, Delivery ... in Office Order Management.

A Nails & Spa Business said : "- We have learned lesson. Doing Business must keep track good records, receipts, staff, customer, data. Then you don't need worry. Peach of mind. Office easy learn."

A Customer said : "- Never see any restaurants that let customers to use phone to order faster than to wait for server. Sometimes waive servers few times but they ignore to server other customers. Specially restaurants reduce their staff, customers wait long time for serve. Not good service."

Another Customer said : "-This restaurant lets me self-order by phone, which makes me order more at my finger. I type their website address or touch App Icon open Menu -> Place order. No download 100mb software app on phone, out of space, then used only few times, no install, long time back & forth. I make shortcut App icon on my phone. Next time touch on it open Menu. So easy any one can do."

A Business said : "- Point of Sales -> Should do more. A new begin. We have a better tool for doing business next level, large scale in new Digital Economy. " 

Another Business said : "- Tax man is watching, knows everything. Our first audit, we hang in all paper. Not clear and transparency. We got estimation with big penalty. Now we use POS to keep data clear and transparency." 

- Click See iPad Vend Pos
- Same but difference Design and Look & Feel. Office has more features. For example, Vend has no Table Management.

=> Step 1) Staff Login their their website to Take Orders. Customers Self-Mobile Order -> Type its website address, use Smartphone or store Tablet. When use Office, you are given Your Own Website address installed with Office, used for E-commerce, Mobile Order, Pos... Make shortcut App Icon on phone. It is Cloud, just like use Online Banking. PC software no more.

This Step, Customer/ Staff: Add-to-Cart -> Park to Place order. -> Continue Place orders.

- Only Staff: Touch [Table] to check Items and Pay.

Office anywhere in the world: - Email or submit Form a Domain name your choice, like JennyStore.com -> We install Office website. -> You Login your own Cloud Website, like, www.JennyStore.com/jenny = no one knows your Login address, extra security. -> See a Login page Use our given UserId + Password, Enter to Login -> Setup Products -> Now You, Customers can Use.
NOTE: Make shortcut App icon on Phone: [Setting
Related image ] at right top corner Chrome browser -> [Add to Home Screen] -> Type Name = Login.  

HOW Place Order? - At an Item -> Select [Item Option], such as, Sizes -> [+/- Qty] 1, 2..-> [Buy Now] button Add-to-Cart.
: Main Menu Screen first open, display 50 - 100 most favourite often Sales Items for easy select. Use Office Product Catalog Builder Tool, you can setup which Item displays on Main Menu screen in order to take orders fast.

- Open Table T2: Has 2 Guests sit at: T2/S1, T2/SA. Staff touch on button Ticket 18 = YES for served.
- T2/S1 already served. T2/SA waiting food item.
- In kitchen, Chefs know: -Which Food Item @ Which Table is served or not yet.


=> Step 2) Only Staff can open Table Manager touch on [Table] at menu. See pic#1 -> Touch T1 see List Orders in T1. When Item ready for serve, touch on its Ticket like [332] = YES. See pic#2

- One Guest
can take order for other Guests in Table using its mobile phone.

All in-store Orders in Table Managers and in Office Order Management. Staff, Customers Continue add-on as many Orders use Step 1).

- Tracking Staff Kat Lee, Order Time, Order ID, Total, Table/Seat, Item, Qty, Price, Ticket ...
- Sort by T/S. First is the latest order.
- See her photo & Food photo. No Pos System has done this.
- Ticket Number = The ordering of orders


- Top Menu, touch Add Customer icon -> Take Customer info

=> Cont. Step 2) Customers Check-out, Pay @ counter. Cashier opens Table Manager -> Touch T1 -> [Pay]. Done! -> Paid that Table.
=> Paid By Credit Card -> Select Table T1 -> Pay. Done! -> Same like Cash. Then give Credit Card Terminal to customer Swipe / Touch like Restaurant with POS.
Almost stores had this.


Cashier @ Counter
: Open Table Manager -> Touch T1 -> Pay -> Enter amount -> Paid. DONE!
Before: Look at Paper Bill, Match Price, back & forth ... a lot time.

Office changes the way Pos taking orders. Big stand Pos now becomes small Mobile Pos, flexible, anywhere. - The first kind. Millions of all kinds of Businesses and Stores in the world are looking for new Pos to extend business next level, big scale in the Cloud & Mobile Economy -> A new beginning.

- Office -> Table Family 6 Guest + 10 Items -> Enter amount -> Done. No Paper.
This Tradition Pos:

- C
omplex, take a lot of time back & forth.
- Fix big stand.
- Manually Input Data.
- Human errors
- Paper Bill = 5000$/y.
- Can't
E-commerce, Mobile Order built-in.
-> Pos used as
Register few Data.

Maybe no need POS.

- What if a Table 6 Guest +
-> Input, Human errors.
-> Staff back & forth serve
Repeat order -> A lot of Items order,  on Paper > Long time.

Office take orders, collect a lot of Data, Products, Staff, Sales, Photos, DateTime.. in system, so fast & simple 2 steps. No manually input.
=> Cashier Smartphone, Tablet just: Open Table Manager -> Select Table -> Pay -> Enter Customer Amount -> Submit -> Done!
=> Business just needs: Office + Pos Printer.

After paid Submit,
T1 is not seen at Table Manager, ready Open for next customers.

All Orders are registers in Office Order Management for Data, Analytics, Total Revenue, Tax ... See Order 155 @ Table T1 = Bread Sandwich + Orange Juice by Self-Mobile Order.

- Online E-commerce Orders, Mobile Orders Pick-up in here OOM, but not in Table Manager.

Customers: Enjoy food -> Continue place orders anytime By themselves or By Staff. When Staff bring foods to their Table/ Seat, Staff verified Orders at right T/S. After finished, Check-out at Counter -> Paid: Cash, Credit Card, Office Card. Done!

Chefs: Look up @ Table Manager -> Know which Orders of Which Table/ Seat customers are Served or Not. Ticket Number tells him Orders in Table First Come First Serve, is Served or Not.

Bosses, Managers: Use Mobile, Tablet -> Login anywhere, at Home, in Office, Hotel, Vacation -> Look up @ Table Manager, Office Order Management -> Know everything in store. Know every each of Orders in, Total Sales, Revenue, Staff service, Product Items Sold, Data Analytics ...

Server Staffs: Relax, Less Pressure when store busy, easy Train -> Place Order @ table, Look up @ Table Manager, Serve food. No mistakes. -> More Productivity.

Office has done 80% of Work, Operation, Tracking Orders, Pick-up, Delivery, Pos, E-commerce to Mobile Order ... Collect a lot of Data for Data Analytics. Much more efficient than 50K Manager. Help Businesses leverage their potentials using Cloud & Mobile, and bring their business to the next level, large scale.


Framework - Most software design, build no Framework. Framework is so powerful, scale, a solid foundation, a new way of Software Design & Architecture. That's why "big" Corporation spends & invests 400 millions USD in R&D to build Framework, a new way of Software Development of big Corporation.
NOTE: Small software business few millions - Tradition Software Design, no Framework, Technology used currently over 20 years.
Office is built on 400 millions usd Framework for the next 25 years.

We are the Business:- The Investor, the Stakeholder, the Customer. We don't know much about Software Design & Architecture, Data Driven Architecture..., not our job. But we understand Software like Car. Any car can drive you from A -> B. But we want high-end cars built by high-end Technology and best Engineers & Scientists. * We want software that is Powerful, Fast, Large Scale, Enterprise, for millions of Users, Affordable, Solid Foundation Framework  first. Then build anything, UI/ UX, Screens, Features, E-commerce, Pos, Database, Business Applications, Mobile Apps, What ever Apps, Whatever Add-ons later *. So simple! But a lot of companies still build software without Framework. Quality is number # 1.

We are a Start-up: "-
Before, we build software, re-invent, self made, self create our own way, my way. No Framework. No choice, we build new software development on Framework. Developers must Update their skills. -> After having this 400 millions usd Framework built into our Products is like having 400 millions usd investment in our R&D and Product Development overwhelmed our competitors completely. That's why we said we build software same quality as 100 millions software company. Save big Time & Money. Quality is number one."
NOTE: A lot of small & medium sized software companies from few millions dollars. Their software product development R&D around 5 millions. This Framework 400 millions R&D is huge big deal for Cloud Software Product Development.  A lot of customers complain Cloud Software Product is slow, not powerful, a lot problems, even store has 1 or 2 staff use. Can't Mobile Order, can't Mobile Pos.

A School: "- We have around 6000 Users of full-time Students Login using our system for their assignments, exams, school works, labs, upload files, check marks, check time table scheduling, resources, registrations. Our Cloud Network Center costs tens of thousands + IT maintenance. But still a lot of problems, students can't Login when busy time, concurrency, online Payment still not advanced, still line-up, slow access Network Resources. Cost a lot of money to maintain.

A Computer Scientist Professor: "- When I teach in school as a Part-time Professor, I talk a lot about new way of Software Development, Framework, Data Driven Architecture.. only 5-6 years old, very different with traditional Software Design & Architecture at least 20 years old. A full-time Professor whom I work very closely, after listening to my advice, he agreed this Technology should be teaching as Advanced Programming Courses. But he hesitates because this Technology is new, hard to learn, different way with traditional coding, students may not like it."


- Update: Office used Web Services component, Security component built in Framework for safe & secure Login. Login Web Services Not show Login in public like Online Bank. Even hackers know your User + Pw, but don't know your Birthday. Can't Login. Small Businesses less than 1/2 millions dollars worry about doing business in Cloud than big businesses more than billions dollars.
A lot experience Developers don't know this Framework is already built-in powerful platform for Web Services.
A lot experience 20 years in speaking English doesn't mean experience in speaking Japanese. Means nothing in Software Development, not Sales & Marketing. Very different experience. -> Back to grade 5 learn Japanese. We are HR, Management, Office Administration, Project Managers, Analysts, Customers ... Our job is not coding, design & architect software. But we are decision makers, and most important money.

Build Modern Enterprise Software without or with Framework or BOTH? Build software cost a lot Time & Money. - Why experience software managers said differently? - Who do you trust?  -> In Software Development, trust no one. Every one makes ends meet selling their Tools. People get paid for being trusted and loyal. Next time, they go to your competitors. The more Experience the more Resistant to change. Since Developers use Tools to build software -> Trust the Tool more than the Developer.

A Computer Scientist and Professor, who has both 10 years experience build Software in Tradition and 6 years experience build software with Framework said: -> I know at least 15 computer languages:
C/C++, Python, Php, Jsp, Java, Servlet, Enterprise Java, J2EE, C#. Net, all kinds of script like JQuery, Java Script, CSS, Dynamic Script like Node.js, Angular.js, UI/ UX, Front-end Design, Back-end Design, Database Design, Relationship, Implementation, and Framework. I can build any software using 1 or combined of many languages from scratch. Trust no One, No "Like It or Not" in Software Development. Use your brain. Every one tries make ends meet using their skill, will give you all kinds of different advices. -> But, We rather trust big corporation invested 400 millions USD in Framework used by their Software Development than trust Consultants, reading Analysts, Scientists, Developers make ends meet, who don't have experience in Framework. -> That's why modern Software Engineers must know to build software both: Tradition No Framework & Framework.
Software Industry is very huge. Internet, Cloud, Mobile, Accounting, E-commerce, Social Media ... made by Software. Software rules the world. Business, Government, School spend, invest billions in Software Development. -> The Big Losers are Businesses, Organizations, Customers, Stake holders. Developers get paid, can always move to another Job. Change for the better. Software Development A first Step not Get It Right = A thousands miles to repair a lot of problems.

=> We don't need few hundreds of Developers. We just need A Few Good Men.

Note: This Framework is R&D (Research & Development) and is used by big multi billions company for their Cloud Software Development. This Framework is the latest 5 years old New Technology in 2012 opt for Cloud & Mobile Technology, compared with current used 20+ years old Technology Computer Languages created in 90s, like scripting languages Php in 1994, Python in 1989 ... When the Internet only beginning. No Cloud Computing, no Mobile Technology. Computer Languages are Not Framework, i.e. Angular.js, Node.js, .Net, Java, Php, Visual Studio .. are not Framework. All kinds of Frameworks, big, small, free, open source. But we talk about 400 m usd Framework. This 400 millions usd Framework in use only 5 years ago, although  has been R&D for a while.
=> Thus Software Engineers & Developers, Software Architect & Design (different with Framework Architecture & Design) , IT Managers over 5 years experience will not know this 400 m usd Framework Technology. Unless update skill. Students, who graduate from University in the past 5 years & in present, also don't know, because this Framework Technology is not teaching, not official main curriculum, not up-to-date.

Why people less likely up-to-date?
- Because of the Cost, Time & Money, and the Skill used make ends meet.

1) Because the Software Product they have been built for many years, many decades, a lot of  Time & Money invested -> Now up-to-date to New Technology Platform will be cost Time & Money.
-> However, today Software Development more advanced, allows business, company build different Application (Apps) using different Technology, and all different Apps on same Platform, access same Data in same Database like Oracle, Ms Sql, MySql ... What is Data Driven Architecture used by Framework's Architecture? -> Which helps developers build Mobile Apps that achieve Work All Devices.
- Why traditional scripting languages like Python, Php, Jsp, Asp, Dynamic Scripting ... embeds Code in browser. Such as:

customerhistory.jsp = <! DOCTYPE html> <html> <body> <%  /* Jsp Coding .. Open Database -> Get Data in web browser. -> Display Data in web browser -> Slow web browser. */  CustomerOrderHistory = customer.openDbOrderHistory();  %> </body></html>
-> The real world,
Developers embed not one database method customer.openDbOrderHistory() in webpage, but many of them embed code in web page. Almost scripting languages, dynamic scripts embed code in web browser. In Framework, web browser is the View or the web page only embed Data for Render & Display fast like static info webpage. No database method in the View or in Web page.
hello.php =