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Focus on Rates
  Articles from The Globe and Mail

Short Term Rates

Articles from The Globe and Mail


  Rate increase adds to pressure on first-time home buyers
JANET McFARLAND  

Thursday, January 18, 2018

First-time home buyers are facing a double blow after the Bank of Canada boosted interest rates on Wednesday just weeks after tougher new mortgage-qualification rules took effect in Canada.
FULL STORY


Goodbye, stable rates. It's a new world for borrowers - and savers
ROB CARRICK  

Tuesday, January 16, 2018

This year is already shaping up as the most eventful in a decade for interest-rate watchers.The country is zeroing-in on Wednesday's Bank of Canada announcement as an indicator of what's ahead for rates. But a shift to higher borrowing costs and savings rates has already begun. Mortgage rates have edged higher in recent weeks and returns on guaranteed investment certificates have increased in a few cases. The question going forward is not whether rates will keep rising - it's how much more upside there is in 2018.
FULL STORY


Canadian home prices increased in 2017, despite foreign-buyers tax
JANET McFARLAND  

Tuesday, January 16, 2018

Home prices climbed sharply in Canada in 2017 as booming sales in British Columbia offset weaker home sales in Ontario.The Canadian Real Estate Association released year-end numbers on Monday, reporting the national benchmark home price was $600,300 in December, up 9.1 per cent from a year earlier, according to the MLS Home Price Index.
FULL STORY


Expect a depressing day - or two - this week
MICHAEL BABAD  

Monday, January 15, 2018

This is Blue Monday, a.k.a. the most depressing day of the year.If you're Canadian, you're cold, in desperate need of sunlight and, no doubt, watching the holiday bills roll in. There's a pretty good chance, too, that you're buried in debt, so just wait until Wednesday, when you may well be staring an interest rate hike in the face.
FULL STORY


RBC's rate hike will have consequences for many
ROBERT McLISTER  

Friday, January 12, 2018

Canada's mortgage-rate trendsetter, Royal Bank of Canada, hiked its posted five-year fixed mortgage rate Thursday.In days gone by, I never would have written about this. Posted rate changes were no big deal.
FULL STORY


Dual retirement forces some tough decisions
DIANNE MALEY  

Saturday, January 06, 2018

Despite the eight-year difference in their ages, Tess and Theo want to retire at the same time in 2033. He is 49, she is 41.They both work in the same industry, he as an employee earning $125,000 a year, and she as a contract worker making $100,000 a year. He has a defined contribution pension plan at work, while she has one from a previous job. They have a house in a Toronto suburb with a mortgage, and two boys, age 11 and 16.
FULL STORY


How to beat the banks on GIC rates
ROB CARRICK  

Friday, January 05, 2018

There is no end to the indignity of being a conservative investor these days.To start, rates on guaranteed investment certificates are ultralow by historical standards. Adding to the pain is the fact that GIC issuers have barely responded, if at all, to the rate increases initiated by the Bank of Canada in the second half of last year. One way to fight back as an investor is to use a deposit broker.
FULL STORY


Anxious home buyers race the clock ahead of new mortgage stress test
ANA ROSE WALKEY, XIAO XU  

Friday, December 29, 2017

Jaydeen Williams Rabinovitch and her wife were dealing with all the usual pressures of searching for a home, but with an added complication: new mortgage rules taking effect in the new year that could significantly change what kind of place they'll be able to afford.
FULL STORY


THE ROB QUIZ

Friday, December 29, 2017

1. U.S. President-elect Donald Trump began the year by making a threat to a major global company. In a tweet in early January, he said: ''Make in USA or pay big border tax!'' At which company did Trump direct the threat, and why?
FULL STORY


Test your investing chops

Saturday, December 23, 2017

1. As of Dec. 20, the three stocks with the highest year-to-date price returns on the SandP/TSX composite index, in descending order, were: a) Shopify, Dollarama, Canopy Growth b) Aphria, Kirkland Lake Gold, Shopify c) West Fraser Timber, Shopify, Air Canada d) Canopy Growth, Shopify, Martinrea International 2. The Bank of Canada raised its benchmark overnight rate _____ times in 2017, by a total of _____ percentage points. The overnight rate is now _____ per cent.
FULL STORY


Handling debts, stocks and bitcoin in 2018
ROB CARRICK  

Monday, December 18, 2017

Eight dos and don'ts for preparing your personal finances for the challenges ahead in 2018:DO BRACE FOR HIGHER BORROWING COSTSThe economy's improving, and that means an increased likelihood of more interest-rate increases next year. The Bank of Canada's benchmark overnight rate moved higher by a cumulative 0.5 of a percentage point in the second half of 2017. A quick scan of the latest big bank economic outlooks suggests it could rise by another 0.5 to 0.75 of a point next year.
FULL STORY


Cautious optimism for retail in the midst of a perfect storm
WILLY KRUH  

Monday, December 18, 2017

KPMG's global chairman of consumer markets otwithstanding solid-to-strong holiday sales and N margins, both here and stateside, the retail sector is going through profound changes that may see even more stores close next year if warning signs aren't heeded and changes made.
FULL STORY


Poloz warns on record household debt levels
BARRIE McKENNA, DAVID PARKINSON  

Friday, December 15, 2017

Bank of Canada Governor Stephen Poloz says soaring home prices and record levels of household debt are keeping him awake at night.In a speech in Toronto on Thursday that was largely upbeat about Canada's economy, Mr. Poloz nevertheless said he worries the risks associated with record debt levels related to high housing prices ''are elevated and are likely to remain so for a long time.'' The speech highlighted household debt - along with cyberthreats and lagging youth employment - as the key issues that are stealing his sleep.
FULL STORY


CREA cuts housing sales forecast for 2018
JANET McFARLAND  

Friday, December 15, 2017

Home sales in Canada are expected to tumble in 2018, pulling prices lower and creating a broader drag on economic growth for the country next year, according to the Canadian Real Estate Association.
FULL STORY


U.S. lenders best placed to hike dividends as rates rise
SCOTT CLAYTON  

Friday, December 15, 2017

WHAT ARE WE LOOKING FOR?Sustainable dividends from U.S. banks ready to gain from the latest interest-rate hike.THE SCREENThe U.S. Federal Reserve raised its benchmark interest rate by 25 basis points this week, for a new target range of 1.25 per cent to 1.5 per cent.
FULL STORY


Waiting for Poloz: A challenging 2018 lies ahead
STEVE AMBLER, JEREMY KRONICK  

Saturday, December 09, 2017

Steve Ambler is the David Dodge Scholar in monetary policy at the C.D. Howe Institute, and professor of economics at the school of management, University of Quebec at Montreal.
FULL STORY


Report finds OSFI rules could shut out 50,000 buyers a year
JANET McFARLAND  

Wednesday, December 06, 2017

Tougher mortgage stress-testing rules could make it impossible for 40,000 to 50,000 Canadians to buy a home each year, driving down real estate sales and reducing the anticipated pace of new mortgage-lending growth, according to a new analysis.
FULL STORY


RBC tops forecasts with record profit
JAMES BRADSHAW  

Thursday, November 30, 2017

Royal Bank of Canada capped a year of record profit with a 12-percent jump in fourth-quarter earnings, but analysts are unsure the bank can sustain such rapid growth.
FULL STORY


Canadian growth to slow in 2018: OECD
BARRIE McKENNA  

Tuesday, November 28, 2017

Canada's economy is headed for much slower growth in 2018 and beyond as consumers react to sluggish wage growth, higher interest rates and a cooler housing market, the Organization for Economic Cooperation and Development says.
FULL STORY


After big year, banks seen posting flat finish
JAMES BRADSHAW  

Monday, November 27, 2017

Expectations for fourth-quarter earnings among Canada's biggest banks are modest, but even a ho-hum finish would do little to tarnish a very good year for the Big Six.
FULL STORY


A turbulent year ahead for housing market
Brent Jang, Janet McFarland  

Saturday, November 25, 2017

A teardown on Vancouver's west side has been sitting on the market for more than three weeks, an eternity for a desirable listing by the standards of the city's real estate craze.
FULL STORY


How WealthBar's Neville Joanes is bracing for rising rates
BRENDA BOUW  

Thursday, November 16, 2017

Rising interest rates have some investors rethinking their portfolios, in particular, the fixed-income portion. For Neville Joanes, WealthBar's chief investment officer, that could mean a shift in the robo-adviser's portfolio away from government bonds that carry interest-rate risk. In response to another investing concern, he says the Vancouver-based company has added more environmentally friendly investment options to its mix.
FULL STORY


Home Capital on a comeback, but it hasn't been easy
JAMES BRADSHAW  

Thursday, November 16, 2017

Recovering mortgage lender Home Capital Group Inc. returned to profitability in the third quarter but struggled to issue enough new home loans as it undertakes a rapid overhaul of its business.
FULL STORY


Low interest rates have turned us into a country of money klutzes
ROB CARRICK  

Tuesday, November 07, 2017

The single worst thing to happen to this country's personal finances in the past 10 years is the decline in interest rates.Remember that as we make our way through another Financial Literacy Month, with its helpful suggestions from government agencies, banks and others. There's a view that we can teach our way to better standards of financial literacy, and it's valid for sure as long as it's done in a way that engages people.
FULL STORY


ME AND MY MONEY
LARRY MACDONALD  

Saturday, November 04, 2017

David HaOccupation Retired engineerThe portfolio A conservative tilt with a focus on balanced funds, notably Mawer Balanced Fund; also has shares in solid companies such as Royal Bank of Canada and Ciena Corp.
FULL STORY