With the desktop program , it seems that if you touch anything , you ' ll have to sit through another ten commercials . <| sep |> Jesus is jealous of your friends and family . <| sep |> Yup , I wasn ' t aware of that until today ! <| sep |> It ' s probably not optimism if you actually own some or all of your home . With the rise of house prices and the government having near criminal policies for the extension of home equity loans for the majority of the value of the house , it ' s easy for a homeowner to stay afloat for months or years after losing their job . They can easily use credit from the HELOC themselves to pay the principal and interest on the loan while being unemployed for years . The income requirements for a HELOC are generally only based upon your past two years of employment , so if you had a job then , you ' re golden . Further , you can easily pull out a shadow banking HELOC as you hear advertised on the radio all the time with no income verification and bad credit . Because of this fallback being in place , the real estate market of Canadian can appear to appear strong while dangerous levels of debt accrue , which is what we ' ve been seeing with Canadian household debt .