2017年3月5日星期日

三月份多伦多东部四个城市独立房价格变化统计

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多伦多东部四个城市独立房价格变化统计
(2/2016-2/2017)数据来自MLS
多伦多地产经纪 李 军
单位:加元
Oshawa
Ajax
Whitby
Pickering
2/2016
442597
601611
614095
727248
3/2016
437156
612517
629306
664220
4/2016
467981
618032
646370
772399
5/2016
420132
658549
661799
704275
6/2016
477656
651481
637836
766985
7/2016
493935
677723
667288
746137
8/2016
502932
649546
677893
777895
9/2016
516670
669508
670779
820271
10/2016
509701
724268
713929
793507
11/2016
530741
684268
681426
863518
12/2016
518455
654170
685652
811536
1/2017
585891
677639
719694
830195
2/2017
$651,961
772,682
$811,603
$902,352
$209,364
171,071
$197,508
$175,104
∆%
47%
28%
32%
24%
附图表如下:
No automatic alt text available.
所有数据来自MLS,如果与MLS有差异,以MLS数据为准。
( 多伦多地产经纪 李 军 电话:(647) 824 6916,微信 junli64, 本文纯属学术交流,不做读者投资物业依据)

2017年3月3日星期五

二月份OSHAWA最新独立房价格统计(数据来自MLS)

二月份OSHAWA最新独立房价格统计(数据来自MLS)
多伦多地产经纪 李 军
OSAHAWA地处多伦多东部,城市南部临安大略湖,城南和城北有两条高速与多伦多相连。从奥沙瓦经401高速道多伦多,或经407高速到万锦,车程仅20分钟左右。目前,在全球经济不景气的大环境下,奥沙瓦的城市经济发展保持势头,城市就业率位居全省第一。另外,该城市的安省理工大学规模也不断扩大,学生人数越来越多,带动城市的房地产快速发展。据有关统计,该城市的房屋价格也领涨整个GTA. 以下是该城市独立房的相关统计数据,附图表。
1) 2016年2月份OSHAWA独立房平均价格:$407513
2) 2017年1月份OSHAWA独立房平均价格:$585891
3) 2017年2月份OSHAWA独立房平均价格:$651961
4) 2017年2月份比2017年1月份OSHAWA独立房平均价格上涨:
(651961-585,891)/585891=11.28%
5) 2017年2月份的OSHAWA独立房平均价格比2016年2月份同期价格上涨:
(651961-442597/442497=47.30%
6) 如果投资者于2016年一月份,投资10万元,购买一套价格为407513加币的独立房,家庭财富在过去的13个月,
平均每天递增: (651961-442597/396=528(加币/天)
这可是365天价格平均上涨,即使是节假日,周末期间都不停地以每天528加币的速率上涨。
7)投资回报率:就是投资者只付25%首付 (加4:1杠杆)的前提下,于2016年2月份,用10万元左右,在OSHAWA投资一座价格40万左右独立房,每月月供1600左右(按当前利率)。
那该投资人的13月的投资回报率约为:
『(651961-442597-13×(1600月供等-1500房租收入)』/100000=208%。
也就是说,2016年2月份投资10加币左右在OSHAWA买的40万加币的独立房,2017年2月份这个独立房的投资收益为20.8万加币,家庭资产净增值20.8万加币!
8) 结论:在当前低利率情况下,相比在大多伦多这样的移民城市投资独立房,相比投资人所获的投资收益;很多人靠打工,做小生意,挣钱真是太难了!长此下去,对于富人,越有钱投资,家庭财富增长越快;相反,一些没有投资独立房的家庭,一天即使干24小时也不行, 也跑不过物业投资人。其后果就是社会贫富差距越来越大!
9)评论:在过去的5年,留心的人们注意到,很多过去开工厂,做小生意的人都渐渐放弃他们过去引以为骄傲的实体经济事业,而改投资买房子了。其原因根据上述分析结果看出,如果投资人仅仅投资10万元左右,在OSHAWA买个独立房,家庭财产在过去的13个月,每天净递增近500加币;这可比开工厂,做生意挣钱容易多了!如果人们用10万加币开个小生意,想每天进账500加币太难了!几乎不可能!而且开工厂,做生意还存在各种风险,还要每天辛勤工作。所以,人们都注意到,很多过去的价格特别高的门市房,现在价格开始下降了;很多非常抢手的小生意,现在没人愿意做了,甚至一些小生意,小工厂已经倒闭了。这样长期低利率发展下去,客观上形成房地产业一枝独秀,且对实体经济形成的“挤出效应”。
现OSHAWA已引起越来越多的投资者的关注,主要原因是该城市的独立房价位低,物业增值潜力大,家庭可负担性强!( 多伦多地产经纪 李 军 电话:(647) 824 6916,微信 junli64, 本文纯属学术交流,不做读者投资物业依据)

附图表如下;


No automatic alt text available.

2017年3月1日星期三

2016年是什么力量推动大多伦多房市如此疯狂上涨?

2016年是什么力量推动大多伦多房市如此疯狂上涨?
多伦多地产经纪

2016年是多伦多房屋市场及其不寻常的一年,整个大多伦多地区的房屋价格疯狂上涨。有些热点城市如,WHITBY, OSHAWA和多伦多的某些热点社区的独立房涨幅超过30%,甚至40%,其它绝大部分的大多伦多地区的独立房涨幅几乎都超过20%。这种多伦多独立房一年之内平均上涨十几万到六十几万的涨幅远远超过2016年初一些财经专业人士对多伦多房屋市场分析和预测,让人们大跌眼镜!也令大多数多伦多打算买房还没有买到房的新移民疑惑和不安。很多一直没有买到多伦多独立房的新移民感慨道,这样下去,这辈子买不起大多伦多地区的独立房了!事实上,在过去的2016年,国内外对多伦多房屋市场不利的消息一个接着一个传来,诸如,居民的债务过高,美联储加息,人民币贬值,中加两国达成税务情报互换协议,以及中国政府限制国内居民向境外汇款,境外买房等等政策。但是,在这些诸多不利多伦多房屋市场情境下,多伦多的房价不但没有按人们预期下降,反而却能大幅度上涨!这现象非常值得人们深思和探讨,究竟是什么力量不断推动大多伦多地区的房价不断上涨呢?但与此同时,加拿大另一个房屋热点城市温哥华的房价却由于当地政府对海外购房者加征土地转让税,2016年末,大温格华地区的房价却开始下降。通过比较人们不难得出结论,海外投资者是大多伦多地区房价上涨的动力!


有人说,只要卖掉北京一个公寓,就可以在大多伦多地区买个漂亮的别墅!这种现象存在,那大多伦多地区的房价还得继续上涨!最近一段时间,在我带客户看房子时,一些十多年前来多伦多的老移民,对多伦多地区的房价上涨非常不满,也非常不理解,他们总是抱怨说,新移民的工资与十年前相比,也没有增加多少啊!多伦多的独立房的房价为什么几年间几十万,上百万上涨?一些老移民买独立房从多伦多买到MARKHAM, 再从MARKHAM买到NEWMARKET, 但总是在抢OFFER时,抢不过刚来多伦多的新移民,或海外投资者。这些刚登陆来自北京,上海,深圳和国内一线城市的新移民,在大多伦多地区买房抢OFFER时,明显处于优势地位。众所周知,国内一线城市的房价远远高于多伦多。在北京等一线城市,有的地段一个普通公寓就价值1000多万人民币,折合近200万加币。而且,很多新来的移民,在国内拥有几套房子。而前十几年来多伦多的老移民,在多伦多靠打工积累到100加币几乎是不可能的事情。新,老移民不同的经济状况,在大多伦多地区买房时,感受差异是巨大的。同样的100万的独立房,老移民感觉高不可攀时,想让经纪再与对方讲一讲价格,看价格能不能再降一点。可就当老移民还在犹豫期间,同样的房子被新移民加价10万加币,以110万成交价买走了。这样的现象在大多伦多地区经常发生。所以,只要北京等国内一线城市的公寓价格远远高于多伦多独立房价格的现象存在,那多伦多的房价还有上涨的潜力。


再有,人们说,温哥华给海外投资者在温哥华买房加收15%的土地转让税,也是今年多伦多房价上涨的原因。过去,海外物业投资者,来加拿大投资物业,有两个选择,一部分人选择临大海的温哥华投资;另一部分人选择临大湖的多伦多投资。因为这两个城市受大湖和大海影响,气候宜人。而且两个城市的华人社区比较成熟。近十几年来,多伦多,温哥华成为全球华人物业投资的热点城市,城市房屋价格直线上升。而且温哥华的房屋价格上涨比多伦多更猛,以至于这两年当地大多数居民感到温哥华的房屋价格都无法承受。一旦发生这种现象,事情就会变成对外来物业投资者不利的形势了。加拿大是一个民主社会,城市的市长,省长都是大多数居民选举产生的。一旦大多数人对城市的房屋价格不满,那一到选举期间,就会有候选人迎合大多数人的呼声,提出类似温哥华现行的对海外物业投资者加税的政策来抑制房价上涨。温哥华如此,多伦多也会一样。去年,温哥华开始实施对海外物业投资者加税后,温哥华的房屋价格开始下降。很多打算在温哥华投资物业的投资者,见此情景,这些人开始转向多伦多。本来多伦多就是全球房屋投资的热点城市,很多人多伦多当地人抢OFFER抢很长时间还没有抢到。2016年,又从温哥华来了一大批物业投资者。这两股物业投资者的力量叠加在一起,加剧了多伦多的房屋市场供求紧张局势,造成大多伦多房屋价格疯涨!


最后是今年国内治理腐败,修复政治生态环境力度最大的一年。国内治理腐败大环境也对多伦多的房屋市场其推波助澜作用。2016年是国内治理腐败措施最严厉的一年,反腐规模最大的一年,也有人称之为政治洗牌,为即将召开的十九大人事安排做准备。所以,人们看到,一年之内,成百上千的政府工作人员和商界知名人士纷纷落马。昨天还是台上领导,或商界呼风唤雨的知名人士,今天就成为阶下囚。一旦落到这个地步,真是万劫不应。很多人感到国内的政治经济风云变幻太快了,感到非常难把握!怎么办呢?一些精明的官员和商人都开始将家人纷纷移民出来,到多伦多买个房子。这样做可以进退自如,一旦国内形势不好,可以安全退居多伦多。这些人的数量不少,实力更不可小视。这部分人对多伦多的房价上涨的作用也不小!再有,国内一些中产阶级,过去一直想在北京,上海,深圳,和广州置业,但由于近年来国内的生态环境越来越差,也开始转向海外投资置业,开始选择在多伦多买房。有的家庭甚至直接将自己的孩子送到多伦多读小学,读中学,同时在多伦多买的独立房。这样的选择无疑是非常英明的!不但多伦多的房子比北,上,深圳的房子好,还价格便宜,而且增值潜力大!更重要的是,孩子直接在多伦多接受素质教育,不用高考直接上大学,一举多得!要知道,国内这样的中产阶级可有一亿之众,这些人的1%来多伦多,就是一百万之众,这个动力对于多伦多的房价潜在作用是惊人的!



总而言之,在过去的2016年,多伦多的房屋市场面临诸多不利因素,但却以令人惊异的幅度上涨,有些社区的涨幅超过40%。这在全球投资市场都是非常罕见的!在这个现象背后,人们分析诸多推动大多伦多地区房价上涨的背后因素。发现相比国内一线城市的房价,多伦多的房屋价格明显偏低,以至于,国内投资者卖掉一个一线城市的公寓,就可以在多伦多买个漂亮的洋房,漂亮的别墅。而且国内有数以亿计的人在国内一线城市拥有房子,随着国内生态环境的恶化,雾霾持续天数的增加,这数以亿计的国内中产阶级,他们当中只要有一小部分,哪怕只有1%,来多伦多投资房屋,那对多伦多的房价上涨的推动力也将是非常巨大的!再有,就是2016年,加拿大另外一个热点城市,温哥华开始对海外投资者加税,致使原本打算在温哥华投资房屋的投资人转向多伦多置业,使原本火热的多伦多房屋市场更加火爆。最后,是国内反腐,和修复政治生态运动,促使一些官员,和商人开始在多伦多买房置业。此外,多伦多物业上涨也与大多伦多地区的房屋供应不足,容量小有关。而且,多伦多的房屋投资人不只来自中国,还有很大一部分来自全球其它国家和地区。这些国家的政治经济动荡,和军事冲突,致使该地区的很多有识之士也纷纷来多伦多买房,也对多伦多的2016年房价上涨起很大作用!。(本人不关心政治,本文纯属学术探讨,不作为投资者投资依据。本文作者李军 TEL 647-824-6916 微信 junli64

2017年2月28日星期二

美国总统特朗普在美国国会讲话(引用)

TO THE CONGRESS OF THE UNITED STATES:
Mr. Speaker, Mr. Vice President, Members of Congress, the First Lady of the United States, and Citizens of America:
Tonight, as we mark the conclusion of our celebration of Black History Month, we are reminded of our Nation’s path toward civil rights and the work that still remains. Recent threats targeting Jewish Community Centers and vandalism of Jewish cemeteries, as well as last week’s shooting in Kansas City, remind us that while we may be a Nation divided on policies, we are a country that stands united in condemning hate and evil in all its forms.
Each American generation passes the torch of truth, liberty and justice — in an unbroken chain all the way down to the present.
That torch is now in our hands. And we will use it to light up the world. I am here tonight to deliver a message of unity and strength, and it is a message deeply delivered from my heart.
A new chapter of American Greatness is now beginning.
A new national pride is sweeping across our Nation.
And a new surge of optimism is placing impossible dreams firmly within our grasp.
What we are witnessing today is the Renewal of the American Spirit.
Our allies will find that America is once again ready to lead.
All the nations of the world — friend or foe — will find that America is strong, America is proud, and America is free.
In 9 years, the United States will celebrate the 250th anniversary of our founding — 250 years since the day we declared our Independence.
It will be one of the great milestones in the history of the world.
But what will America look like as we reach our 250th year? What kind of country will we leave for our children?
I will not allow the mistakes of recent decades past to define the course of our future.
For too long, we’ve watched our middle class shrink as we’ve exported our jobs and wealth to foreign countries.
We’ve financed and built one global project after another, but ignored the fates of our children in the inner cities of Chicago, Baltimore, Detroit — and so many other places throughout our land.
We’ve defended the borders of other nations, while leaving our own borders wide open, for anyone to cross — and for drugs to pour in at a now unprecedented rate.
And we’ve spent trillions of dollars overseas, while our infrastructure at home has so badly crumbled.
Then, in 2016, the earth shifted beneath our feet. The rebellion started as a quiet protest, spoken by families of all colors and creeds — families who just wanted a fair shot for their children, and a fair hearing for their concerns.
But then the quiet voices became a loud chorus — as thousands of citizens now spoke out together, from cities small and large, all across our country.
Finally, the chorus became an earthquake — and the people turned out by the tens of millions, and they were all united by one very simple, but crucial demand, that America must put its own citizens first … because only then, can we truly MAKE AMERICA GREAT AGAIN.
Dying industries will come roaring back to life. Heroic veterans will get the care they so desperately need.
Our military will be given the resources its brave warriors so richly deserve.
Crumbling infrastructure will be replaced with new roads, bridges, tunnels, airports and railways gleaming across our beautiful land.
Our terrible drug epidemic will slow down and ultimately, stop.
And our neglected inner cities will see a rebirth of hope, safety, and opportunity.
Above all else, we will keep our promises to the American people.
It’s been a little over a month since my inauguration, and I want to take this moment to update the Nation on the progress I’ve made in keeping those promises.
Since my election, Ford, Fiat-Chrysler, General Motors, Sprint, Softbank, Lockheed, Intel, Walmart, and many others, have announced that they will invest billions of dollars in the United States and will create tens of thousands of new American jobs.
The stock market has gained almost three trillion dollars in value since the election on November 8th, a record. We’ve saved taxpayers hundreds of millions of dollars by bringing down the price of the fantastic new F-35 jet fighter, and will be saving billions more dollars on contracts all across our Government. We have placed a hiring freeze on non-military and non-essential Federal workers.
We have begun to drain the swamp of government corruption by imposing a 5 year ban on lobbying by executive branch officials — and a lifetime ban on becoming lobbyists for a foreign government.
We have undertaken a historic effort to massively reduce job‑crushing regulations, creating a deregulation task force inside of every Government agency; imposing a new rule which mandates that for every 1 new regulation, 2 old regulations must be eliminated; and stopping a regulation that threatens the future and livelihoods of our great coal miners.
We have cleared the way for the construction of the Keystone and Dakota Access Pipelines — thereby creating tens of thousands of jobs — and I’ve issued a new directive that new American pipelines be made with American steel.
We have withdrawn the United States from the job-killing Trans-Pacific Partnership.
With the help of Prime Minister Justin Trudeau, we have formed a Council with our neighbors in Canada to help ensure that women entrepreneurs have access to the networks, markets and capital they need to start a business and live out their financial dreams.
To protect our citizens, I have directed the Department of Justice to form a Task Force on Reducing Violent Crime.
I have further ordered the Departments of Homeland Security and Justice, along with the Department of State and the Director of National Intelligence, to coordinate an aggressive strategy to dismantle the criminal cartels that have spread across our Nation.
We will stop the drugs from pouring into our country and poisoning our youth — and we will expand treatment for those who have become so badly addicted.
At the same time, my Administration has answered the pleas of the American people for immigration enforcement and border security. By finally enforcing our immigration laws, we will raise wages, help the unemployed, save billions of dollars, and make our communities safer for everyone. We want all Americans to succeed — but that can’t happen in an environment of lawless chaos. We must restore integrity and the rule of law to our borders.
For that reason, we will soon begin the construction of a great wall along our southern border. It will be started ahead of schedule and, when finished, it will be a very effective weapon against drugs and crime.
As we speak, we are removing gang members, drug dealers and criminals that threaten our communities and prey on our citizens. Bad ones are going out as I speak tonight and as I have promised.
To any in Congress who do not believe we should enforce our laws, I would ask you this question: what would you say to the American family that loses their jobs, their income, or a loved one, because America refused to uphold its laws and defend its borders?
Our obligation is to serve, protect, and defend the citizens of the United States. We are also taking strong measures to protect our Nation from Radical Islamic Terrorism.
According to data provided by the Department of Justice, the vast majority of individuals convicted for terrorism-related offenses since 9/11 came here from outside of our country. We have seen the attacks at home — from Boston to San Bernardino to the Pentagon and yes, even the World Trade Center.
We have seen the attacks in France, in Belgium, in Germany and all over the world.
It is not compassionate, but reckless, to allow uncontrolled entry from places where proper vetting cannot occur. Those given the high honor of admission to the United States should support this country and love its people and its values.
We cannot allow a beachhead of terrorism to form inside America — we cannot allow our Nation to become a sanctuary for extremists.
That is why my Administration has been working on improved vetting procedures, and we will shortly take new steps to keep our Nation safe — and to keep out those who would do us harm.
As promised, I directed the Department of Defense to develop a plan to demolish and destroy ISIS — a network of lawless savages that have slaughtered Muslims and Christians, and men, women, and children of all faiths and beliefs. We will work with our allies, including our friends and allies in the Muslim world, to extinguish this vile enemy from our planet.
I have also imposed new sanctions on entities and individuals who support Iran’s ballistic missile program, and reaffirmed our unbreakable alliance with the State of Israel.
Finally, I have kept my promise to appoint a Justice to the United States Supreme Court — from my list of 20 judges — who will defend our Constitution. I am honored to have Maureen Scalia with us in the gallery tonight. Her late, great husband, Antonin Scalia, will forever be a symbol of American justice. To fill his seat, we have chosen Judge Neil Gorsuch, a man of incredible skill, and deep devotion to the law. He was confirmed unanimously to the Court of Appeals, and I am asking the Senate to swiftly approve his nomination.
Tonight, as I outline the next steps we must take as a country, we must honestly acknowledge the circumstances we inherited.
Ninety-four million Americans are out of the labor force.
Over 43 million people are now living in poverty, and over 43 million Americans are on food stamps.
More than 1 in 5 people in their prime working years are not working.
We have the worst financial recovery in 65 years.
In the last 8 years, the past Administration has put on more new debt than nearly all other Presidents combined.
We’ve lost more than one-fourth of our manufacturing jobs since NAFTA was approved, and we’ve lost 60,000 factories since China joined the World Trade Organization in 2001.
Our trade deficit in goods with the world last year was nearly $800 billion dollars.
And overseas, we have inherited a series of tragic foreign policy disasters.
Solving these, and so many other pressing problems, will require us to work past the differences of party. It will require us to tap into the American spirit that has overcome every challenge throughout our long and storied history.
But to accomplish our goals at home and abroad, we must restart the engine of the American economy — making it easier for companies to do business in the United States, and much harder for companies to leave.
Right now, American companies are taxed at one of the highest rates anywhere in the world.
My economic team is developing historic tax reform that will reduce the tax rate on our companies so they can compete and thrive anywhere and with anyone. At the same time, we will provide massive tax relief for the middle class.
We must create a level playing field for American companies and workers.
Currently, when we ship products out of America, many other countries make us pay very high tariffs and taxes — but when foreign companies ship their products into America, we charge them almost nothing.
I just met with officials and workers from a great American company, Harley-Davidson. In fact, they proudly displayed five of their magnificent motorcycles, made in the USA, on the front lawn of the White House.
At our meeting, I asked them, how are you doing, how is business? They said that it’s good. I asked them further how they are doing with other countries, mainly international sales. They told me — without even complaining because they have been mistreated for so long that they have become used to it — that it is very hard to do business with other countries because they tax our goods at such a high rate. They said that in one case another country taxed their motorcycles at 100 percent.
They weren’t even asking for change. But I am.
I believe strongly in free trade but it also has to be FAIR TRADE.
The first Republican President, Abraham Lincoln, warned that the “abandonment of the protective policy by the American Government [will] produce want and ruin among our people."
Lincoln was right — and it is time we heeded his words. I am not going to let America and its great companies and workers, be taken advantage of anymore.
I am going to bring back millions of jobs. Protecting our workers also means reforming our system of legal immigration. The current, outdated system depresses wages for our poorest workers, and puts great pressure on taxpayers.
Nations around the world, like Canada, Australia and many others — have a merit-based immigration system. It is a basic principle that those seeking to enter a country ought to be able to support themselves financially. Yet, in America, we do not enforce this rule, straining the very public resources that our poorest citizens rely upon. According to the National Academy of Sciences, our current immigration system costs America’s taxpayers many billions of dollars a year.
Switching away from this current system of lower-skilled immigration, and instead adopting a merit-based system, will have many benefits: it will save countless dollars, raise workers’ wages, and help struggling families — including immigrant families — enter the middle class.
I believe that real and positive immigration reform is possible, as long as we focus on the following goals: to improve jobs and wages for Americans, to strengthen our nation’s security, and to restore respect for our laws.
If we are guided by the well-being of American citizens then I believe Republicans and Democrats can work together to achieve an outcome that has eluded our country for decades.
Another Republican President, Dwight D. Eisenhower, initiated the last truly great national infrastructure program — the building of the interstate highway system. The time has come for a new program of national rebuilding.
America has spent approximately six trillion dollars in the Middle East, all this while our infrastructure at home is crumbling. With this six trillion dollars we could have rebuilt our country — twice. And maybe even three times if we had people who had the ability to negotiate.
To launch our national rebuilding, I will be asking the Congress to approve legislation that produces a $1 trillion investment in the infrastructure of the United States — financed through both public and private capital — creating millions of new jobs.
This effort will be guided by two core principles: Buy American, and Hire American.
Tonight, I am also calling on this Congress to repeal and replace Obamacare with reforms that expand choice, increase access, lower costs, and at the same time, provide better Healthcare.
Mandating every American to buy government-approved health insurance was never the right solution for America. The way to make health insurance available to everyone is to lower the cost of health insurance, and that is what we will do.
Obamacare premiums nationwide have increased by double and triple digits. As an example, Arizona went up 116 percent last year alone. Governor Matt Bevin of Kentucky just said Obamacare is failing in his State — it is unsustainable and collapsing.
One third of counties have only one insurer on the exchanges — leaving many Americans with no choice at all.
Remember when you were told that you could keep your doctor, and keep your plan?
We now know that all of those promises have been broken.
Obamacare is collapsing — and we must act decisively to protect all Americans. Action is not a choice — it is a necessity.
So I am calling on all Democrats and Republicans in the Congress to work with us to save Americans from this imploding Obamacare disaster.
Here are the principles that should guide the Congress as we move to create a better healthcare system for all Americans:
First, we should ensure that Americans with pre-existing conditions have access to coverage, and that we have a stable transition for Americans currently enrolled in the healthcare exchanges.
Secondly, we should help Americans purchase their own coverage, through the use of tax credits and expanded Health Savings Accounts — but it must be the plan they want, not the plan forced on them by the Government.
Thirdly, we should give our great State Governors the resources and flexibility they need with Medicaid to make sure no one is left out.
Fourthly, we should implement legal reforms that protect patients and doctors from unnecessary costs that drive up the price of insurance — and work to bring down the artificially high price of drugs and bring them down immediately.
Finally, the time has come to give Americans the freedom to purchase health insurance across State lines — creating a truly competitive national marketplace that will bring cost way down and provide far better care.
Everything that is broken in our country can be fixed. Every problem can be solved. And every hurting family can find healing, and hope.
Our citizens deserve this, and so much more — so why not join forces to finally get it done? On this and so many other things, Democrats and Republicans should get together and unite for the good of our country, and for the good of the American people.
My administration wants to work with members in both parties to make childcare accessible and affordable, to help ensure new parents have paid family leave, to invest in women’s health, and to promote clean air and clear water, and to rebuild our military and our infrastructure.
True love for our people requires us to find common ground, to advance the common good, and to cooperate on behalf of every American child who deserves a brighter future.
An incredible young woman is with us this evening who should serve as an inspiration to us all.
Today is Rare Disease day, and joining us in the gallery is a Rare Disease Survivor, Megan Crowley. Megan was diagnosed with Pompe Disease, a rare and serious illness, when she was 15 months old. She was not expected to live past 5.
On receiving this news, Megan’s dad, John, fought with everything he had to save the life of his precious child. He founded a company to look for a cure, and helped develop the drug that saved Megan’s life. Today she is 20 years old — and a sophomore at Notre Dame.
Megan’s story is about the unbounded power of a father’s love for a daughter.
But our slow and burdensome approval process at the Food and Drug Administration keeps too many advances, like the one that saved Megan’s life, from reaching those in need.
If we slash the restraints, not just at the FDA but across our Government, then we will be blessed with far more miracles like Megan.
In fact, our children will grow up in a Nation of miracles.
But to achieve this future, we must enrich the mind — and the souls — of every American child.
Education is the civil rights issue of our time.
I am calling upon Members of both parties to pass an education bill that funds school choice for disadvantaged youth, including millions of African-American and Latino children. These families should be free to choose the public, private, charter, magnet, religious or home school that is right for them.
Joining us tonight in the gallery is a remarkable woman, Denisha Merriweather. As a young girl, Denisha struggled in school and failed third grade twice. But then she was able to enroll in a private center for learning, with the help of a tax credit scholarship program. Today, she is the first in her family to graduate, not just from high school, but from college. Later this year she will get her masters degree in social work.
We want all children to be able to break the cycle of poverty just like Denisha.
But to break the cycle of poverty, we must also break the cycle of violence.
The murder rate in 2015 experienced its largest single-year increase in nearly half a century.
In Chicago, more than 4,000 people were shot last year alone — and the murder rate so far this year has been even higher.
This is not acceptable in our society.
Every American child should be able to grow up in a safe community, to attend a great school, and to have access to a high-paying job.
But to create this future, we must work with — not against — the men and women of law enforcement.
We must build bridges of cooperation and trust — not drive the wedge of disunity and division.
Police and sheriffs are members of our community. They are friends and neighbors, they are mothers and fathers, sons and daughters — and they leave behind loved ones every day who worry whether or not they’ll come home safe and sound.
We must support the incredible men and women of law enforcement.
And we must support the victims of crime.
I have ordered the Department of Homeland Security to create an office to serve American Victims. The office is called VOICE — Victims Of Immigration Crime Engagement. We are providing a voice to those who have been ignored by our media, and silenced by special interests.
Joining us in the audience tonight are four very brave Americans whose government failed them.
Their names are Jamiel Shaw, Susan Oliver, Jenna Oliver, and Jessica Davis.
Jamiel’s 17-year-old son was viciously murdered by an illegal immigrant gang member, who had just been released from prison. Jamiel Shaw Jr. was an incredible young man, with unlimited potential who was getting ready to go to college where he would have excelled as a great quarterback. But he never got the chance. His father, who is in the audience tonight, has become a good friend of mine.
Also with us are Susan Oliver and Jessica Davis. Their husbands — Deputy Sheriff Danny Oliver and Detective Michael Davis — were slain in the line of duty in California. They were pillars of their community. These brave men were viciously gunned down by an illegal immigrant with a criminal record and two prior deportations.
Sitting with Susan is her daughter, Jenna. Jenna: I want you to know that your father was a hero, and that tonight you have the love of an entire country supporting you and praying for you.
To Jamiel, Jenna, Susan and Jessica: I want you to know — we will never stop fighting for justice. Your loved ones will never be forgotten, we will always honor their memory.
Finally, to keep America Safe we must provide the men and women of the United States military with the tools they need to prevent war and — if they must — to fight and to win.
I am sending the Congress a budget that rebuilds the military, eliminates the Defense sequester, and calls for one of the largest increases in national defense spending in American history.
My budget will also increase funding for our veterans.
Our veterans have delivered for this Nation — and now we must deliver for them.
The challenges we face as a Nation are great. But our people are even greater.
And none are greater or braver than those who fight for America in uniform.
We are blessed to be joined tonight by Carryn Owens, the widow of a U.S. Navy Special Operator, Senior Chief William “Ryan" Owens. Ryan died as he lived: a warrior, and a hero — battling against terrorism and securing our Nation.
I just spoke to General Mattis, who reconfirmed that, and I quote, “Ryan was a part of a highly successful raid that generated large amounts of vital intelligence that will lead to many more victories in the future against our enemies." Ryan’s legacy is etched into eternity. For as the Bible teaches us, there is no greater act of love than to lay down one’s life for one’s friends. Ryan laid down his life for his friends, for his country, and for our freedom — we will never forget him.
To those allies who wonder what kind of friend America will be, look no further than the heroes who wear our uniform.
Our foreign policy calls for a direct, robust and meaningful engagement with the world. It is American leadership based on vital security interests that we share with our allies across the globe.
We strongly support NATO, an alliance forged through the bonds of two World Wars that dethroned fascism, and a Cold War that defeated communism.
But our partners must meet their financial obligations.
And now, based on our very strong and frank discussions, they are beginning to do just that.
We expect our partners, whether in NATO, in the Middle East, or the Pacific — to take a direct and meaningful role in both strategic and military operations, and pay their fair share of the cost.
We will respect historic institutions, but we will also respect the sovereign rights of nations.
Free nations are the best vehicle for expressing the will of the people — and America respects the right of all nations to chart their own path. My job is not to represent the world. My job is to represent the United States of America. But we know that America is better off, when there is less conflict — not more.
We must learn from the mistakes of the past — we have seen the war and destruction that have raged across our world.
The only long-term solution for these humanitarian disasters is to create the conditions where displaced persons can safely return home and begin the long process of rebuilding.
America is willing to find new friends, and to forge new partnerships, where shared interests align. We want harmony and stability, not war and conflict.
We want peace, wherever peace can be found. America is friends today with former enemies. Some of our closest allies, decades ago, fought on the opposite side of these World Wars. This history should give us all faith in the possibilities for a better world.
Hopefully, the 250th year for America will see a world that is more peaceful, more just and more free.
On our 100th anniversary, in 1876, citizens from across our Nation came to Philadelphia to celebrate America’s centennial. At that celebration, the country’s builders and artists and inventors showed off their creations.
Alexander Graham Bell displayed his telephone for the first time.
Remington unveiled the first typewriter. An early attempt was made at electric light.
Thomas Edison showed an automatic telegraph and an electric pen.
Imagine the wonders our country could know in America’s 250th year.
Think of the marvels we can achieve if we simply set free the dreams of our people.
Cures to illnesses that have always plagued us are not too much to hope.
American footprints on distant worlds are not too big a dream.
Millions lifted from welfare to work is not too much to expect.
And streets where mothers are safe from fear — schools where children learn in peace — and jobs where
Americans prosper and grow — are not too much to ask.
When we have all of this, we will have made America greater than ever before. For all Americans.
This is our vision. This is our mission.
But we can only get there together.
We are one people, with one destiny.
We all bleed the same blood.
We all salute the same flag.
And we are all made by the same God.
And when we fulfill this vision; when we celebrate our 250 years of glorious freedom, we will look back on tonight as when this new chapter of American Greatness began.
The time for small thinking is over. The time for trivial fights is behind us.
We just need the courage to share the dreams that fill our hearts.
The bravery to express the hopes that stir our souls.
And the confidence to turn those hopes and dreams to action.
From now on, America will be empowered by our aspirations, not burdened by our fears —
inspired by the future, not bound by the failures of the past —
and guided by our vision, not blinded by our doubts.
I am asking all citizens to embrace this Renewal of the American Spirit. I am asking all members of Congress to join me in dreaming big, and bold and daring things for our country. And I am asking everyone watching tonight to seize this moment and —
Believe in yourselves.
Believe in your future.
And believe, once more, in America.
Thank you, God bless you, and God Bless these United States.