In this episode of Make Money Count, Marcus and Justin sit down days before the Bank of Canada's June 10th meeting to break down exactly what's happening with interest rates, inflation, and your mortgage renewal.

We break down:

• Why a rate cut on June 10th is basically off the table
• How Canada ended up in a recession with inflation still rising
• What the Strait of Hormuz has to do with your mortgage rate
• Why your bank's renewal offer is likely insulting and what to do instead
• What the big banks are actually forecasting for rates in 2026 and 2027
• Why 40% of Canadian mortgages renewing this year is a bigger deal than most people realize

This episode isn't about panic. It's about being informed, prepared, and ahead of the people who just sign whatever mortgage renewal their bank sends them.

Watch till the end. The mortgage market is shifting and the decisions you make in the next few weeks could follow you for the next three years.

In this episode of Make Money Count, Marcus and Justin get into the mortgage conversation most Canadians never get to have. With bond yields climbing and fixed rates on the move, knowing what to do and when to do it could be the difference between a great mortgage and an expensive mistake.

We break down:

• Why you should never trust your bank to give you the best mortgage rate
• Fixed vs variable and the one move Marcus is recommending right now
• Why the three year fixed is the smartest play in this market
• When to start the mortgage conversation and why most people wait too long
• How a salaried mortgage broker always gets you a better deal than your bank ever will

This episode is not about theory. It is about the real conversation that happens when you actually call a mortgage broker and ask the right questions.

If your renewal is coming up in the next six months, this one was made for you

In this episode of Make Money Count, Marcus and Justin dig into Canada's April CPI numbers and why the story behind the data is one every Canadian borrower needs to hear. Gas prices at a record high, groceries quietly bleeding your budget, and fixed rates with nowhere to go but up. A lot is happening right now and most people do not even see it coming.

We break down:

• Why April CPI is being driven by gas and food and what that means for interest rates
• What 40% higher gas prices since the war actually means for your monthly mortgage payment
• How a conflict in the Middle East is directly moving Canadian fixed rates right now
• Why the Bank of Canada may surprise everyone and hold rates despite the pressure
• The exact mortgage move Marcus is recommending to every Canadian borrower today

This episode is not about panic. It is about getting ahead of what the data is already telling us, understanding what is really at stake, and making the right call before the window closes.

If you have a renewal coming up in the next few months, do not scroll past this one.

In this episode of Make Money Count, Marcus and JT sit down to talk about something that's been quietly building behind the scenes, and the cracks are getting harder to ignore. From a federal agency that's lost its data collectors to a treasury yield that hasn't been this high in years, a lot is happening beneath the surface that every Canadian borrower needs to understand.

We break down:

• Why two months of US jobs data went entirely missing and what that means for Friday's number
• What a 5% treasury yield actually means for your Canadian mortgage rate
• How Trump's attempt to fire Jerome Powell failed, and why his replacement could be even more dangerous
• Why cutting rates in an inflationary environment is a banana republic move, and what Turkey's example tells us
• What every Canadian borrower should be watching at 8:30AM this Friday

This episode isn't about panic; it's about understanding what's actually happening, what the data is saying, and what you can do about it before it's too late.

If you're a Canadian borrower trying to make sense of what's coming, this one's worth your time.

In this episode of Make Money Count, Marcus and Justin sit down to talk about something that's been building for a while now, and the numbers are getting harder to ignore. From a record-breaking gas price spike to an inflation figure that caught even the banks off guard, a lot is happening beneath the surface that every Canadian borrower needs to understand.

We break down:

• Why the March CPI jump has the Bank of Canada watching very closely
• What does $110 oil actually mean for your monthly mortgage payment
• How a conflict halfway around the world is directly moving Canadian fixed rates
• Why stagflation is becoming Canada's most uncomfortable conversation right now
• The one mortgage move Marcus is recommending to every borrower right now

This episode isn't about panic; it's about understanding what's actually happening, what the data is saying, and what you can do about it before it's too late.

If you're renewing or buying in the next year, this episode is just for you.

In this episode of Make Money Count, Marcus and Justin break down what the Bank of Canada's own data is telling us, why global chaos is hitting closer to home than you think, and what all of it means for your mortgage right now. This isn't just background noise. It's the conversation that could change how you think about your next renewal.

In This Episode:

• The Bank of Canada study that scored 23 years of their own words and what it's saying right now
• Why the silence from Canada's most powerful financial institution is louder than any announcement
• How Trump and rising oil prices are directly connected to your mortgage payment
• The inflation number coming soon that Marcus thinks could be worse than anyone's expecting
• Why the spring real estate market is caught in the middle of all of it
• Fixed or variable? What Marcus would actually do with his own mortgage right now
• If Marcus ran Canada, the economic playbook he'd put in place starting tomorrow

The more you understand what's coming, the better you can protect what you've built.This episode is exactly where to begin.

In this episode of Make Money Count, Marcus and Justin break down the repo market, why hedge funds are flooding into Canadian bonds, and what all of this means for your mortgage rate. This isn't just financial noise, it directly affects what you pay every single month.

In This Episode:

• What the repo market actually is and why it matters to you
• Why hedge funds betting on Canadian interest rates is a massive red flag
• How this is similar to what happened in 2008  and why it could happen again
• The rare proactive move the Bank of Canada is making right now
• Why interest rates could spike even as the economy gets worse
• Fixed or variable? What Marcus and Justin would actually do right now Don't scroll past this one. Set aside 12 minutes and watch it from start to finish; your mortgage will thank you.

In this episode of Make Money Count, Marcus and Justin dive into the condo market,  and what they uncover is hard to ignore. From record-low sales numbers to massive unsold inventory, the data tells a story most people aren’t talking about openly.

We break down:

• Why condo sales are hitting levels not seen since the early ’90s
• What oversupply really means for pricing in Toronto and beyond
• Why investors are stepping back instead of buying the dip
• The behind-the-scenes move involving banks, governments, and a potential billion-dollar fund
• How affordability (or the lack of it) impacts far more than just real estate prices

This episode isn’t about fear; it’s about facts, data, and understanding where the market may be headed next.

Listen till the end, this discussion goes places most condo conversations don’t.

Oil prices have already surged more than 20%, and markets are reacting fast. When energy prices rise, inflation often follows, and that can directly influence interest rates and mortgage costs.

So what does this mean for homeowners and anyone renewing their mortgage?

In this episode, we discuss:

 ✔ Why oil prices are suddenly surging ✔ How global conflicts affect inflation ✔ What rising bond yields mean for mortgage rates ✔ Whether fixed mortgage rates could increase again ✔ What Canadians should consider before renewing their mortgage

With Canada currently facing a massive mortgage renewal wave, the timing of these global events could have a real impact on homeowners.

Should you lock in your mortgage rate now? Could oil prices push inflation higher again? And what happens if oil hits $100 per barrel?

Listen to the full episode to understand how geopolitics, energy markets, and inflation could shape the future of mortgage rates.

If you locked in a 1.39% -- 1.49% mortgage, your renewal could mean a $800–$1,000 jump in monthly payments. In this episode of Make Money Count, Marcus and Justin break down how mortgage renewals really work in today’s high-rate market, and how to optimize your decision instead of blindly accepting the bank’s offer.

• What mortgage renewals look like in 2026
• Real renewal numbers (before vs after rates)
• How re-amortizing can lower monthly payments
• Fixed vs variable: what actually makes sense right now
• Why 75% of Canadians break their mortgage early
• The hidden penalties banks don’t explain
• How economic signals, inflation, and the Bank of Canada influence mortgage rates

Mortgage renewal isn’t paperwork. It’s a financial strategy decision that can quietly cost, or save, you tens of thousands of dollars.

🎧 Listen to the full episode to learn how to renew smarter, not more expensive. Drop your renewal questions in the comments; we read them all.

We unpack the latest unemployment data, bond yield signals, and CPI expectations, then compare the Bank of Canada’s “hold the line” approach with the U.S. strategy of cutting rates to fuel productivity and AI investment.

If you’re a homeowner, investor, or simply trying to understand where rates are headed, this conversation matters.

Listen to  the full episode and decide for yourself: Who’s right — Canada or the U.S.?

In this episode of Make Money Count, we break down the growing tension between the White House and the U.S. Federal Reserve, and why this story goes far beyond political drama. From legal pressure on Fed officials to concerns over central bank independence, this is a moment that could reshape interest rates, inflation, and investor confidence worldwide. We also explore why gold is hitting record highs, what history teaches us about political interference in monetary policy, and how all of this could eventually impact Canadian interest rates, mortgages, and the broader economy. If you’re trying to make sense of today’s market uncertainty, without the noise or headlines, this conversation connects the dots.

After a short break, Marcus returns with a solo deep dive into where the Canadian economy truly stands as we enter the new year—and why the next phase may depend on a careful balancing act between the Bank of Canada and the federal government. This episode goes beyond headlines.

Marcus connects global political developments, energy markets, bond yields, and interest rates to explain how events outside Canada’s borders can still directly impact your mortgage, your investments, and the broader economy. 

Listen now for real talk on what’s ahead for your mortgage, inflation, and the economy.

They dig into: • Why food prices in Canada refuse to drop • How the grocery market structure keeps costs high • What the next rate decision could mean for your mortgage • The surprising price gap between Canada and the UK

The takeaway: Inflation might be easing, but the story isn’t over. Listen to the full episode to see what’s really going on — and how to prepare your finances for what comes next.

We discuss:

• How AI is disrupting mortgage and finance roles
• Why basic mortgage advice is no longer enough
• How Cannect uses AI to empower advisors, not replace them
• The future of mortgage advice in Canada

The takeaway: AI can crunch numbers, but strategy, insight, and personalized advice still need a human touch.

In this episode of Make Money Count, Marcus and Justin break down:

• Why "nothing happened" might actually be a good thing
• The real mortgage implications hidden behind the Trump-Carney meeting
• How bond yields are signaling faster rate cuts
• Why waiting for a Bank of Canada update could cost you thousands
• Fixed vs Variable — how to know if now’s the time to break your mortgage

If your mortgage rate starts with a 5, this episode could be your wake-up call. Don’t wait for the market to tell you what to do — run your numbers before the opportunity is priced out.

In this episode of Make Money Count, Marcus and Justin break down:

✔️ Why condo prices may dip further

✔️ The impact of rising defaults and arrears

✔️ What falling interest rates really mean

✔️ Why consumer confidence is the missing piece

🏠 The Canadian housing market has always bounced back — but will this time be different?

- Why trade uncertainty could slow the Canadian economy

- The real risks behind CUSMA negotiations

- How tariffs affect jobs, businesses, and your wallet

- Why variable-rate mortgages may be the smartest choice right now

• Why did the U.S. and Canada cut rates on the same day
• What’s really happening with inflation and the labor market
• Why variable mortgages may now be the smarter move
• How fixed rates, penalties, and bond yields fit into the picture

Listen now to understand whether you should stick with fixed, switch to variable, or refinance your mortgage.

In this episode of Make Money Count, Marcus and Justin break down a real-life horror story featured in The Globe and Mail, where a Canadian couple trusted their bank to help refinance their debt. What happened next? Their 0% First-Time Home Buyer loan was paid off without consent, costing them thousands and leaving them with no recourse.

This one’s a must-watch for anyone considering refinancing or renewing a mortgage.

Don’t make this mistake. Learn how a good mortgage broker could’ve saved them.

We’re talking:

• Income verification & fraud prevention
• Why the banks are NOT pushing for transparency
• The hidden cost of mortgage fraud
• Open banking delays — and who’s responsible
• How Cannect is already building the tech that the banks won’t

This one’s packed with insight, bold takes, and real talk about how the system works. Don’t miss it.

👉 Listen now and learn how to outsmart the banks.

• Business sentiment? Still shaky.
• Job security? People are worried.
• Consumer spending? Slowing fast.

With inflation staying sticky and interest rates stuck in place, we might be headed straight into stagflation—and the BoC seems to be out of options.

👉 Don’t miss this breakdown if you’re a homeowner, investor, or just trying to make sense of the market right now.

We cover:

• Stubborn Core Inflation: Even with overall CPI cooling, core inflation is still too high.
• The Tariff Impact: How tariffs are driving up prices on everything from groceries to clothing.
• Stagflation Warning: What stagflation (inflation without growth) means for Canada's economy.
• No Quick Fixes: Why you shouldn't expect significant rate cuts or a housing market boom anytime soon.

Get the real scoop on why rates are stuck and what to expect for 2025 and beyond!

- What’s really behind those “share classes”?

- Why bank stocks are still up—despite being called out

- And what you should be doing instead

Don’t miss this eye-opening conversation.

✅ Why are payments down even with high interest rates?

✅ What does a 57% rise in Toronto delinquencies mean?

✅ Are you part of the 40% of Canadians who’ll feel the pain at renewal?

✅ Can you push your amortization or tap into equity to lower payments?

✅ Why banks won’t tell you the full truth—and what to do about it.

Plus, we talk trade tensions, inflation, stagflation, and how it all ties into your next mortgage rate. Is now the time to go variable? What your bank doesn’t want you to know at renewal time

Topics covered:

• Trump’s negotiation style: strategy or chaos?
• Why the U.S. doesn’t want Canadian cars anymore
• The fallout of Canada’s digital sales tax
• What Mark Carney is trying to fix — and what he’s not
• How long can Canada wait before things collapse?

Insightful, bold, and brutally honest, this episode is a must-watch for anyone trying to understand what’s really at stake for Canadian businesses and families.

They also break down the latest housing reports from RBC, TD, and Oxford Economics, who each have wildly different takes on where the market is heading next.

👉 Are prices going up or crashing down?

👉 Is affordability real or just a temporary blip?

👉 And what’s the real impact of trade tension with the U.S.?

Find out who was the MOST wrong and why making predictions in this market is a total gamble.

🎧 Watch, laugh, and learn — because no one really knows what’s coming next.

• Did you know 1 in 22 Canadians missed a payment in Q1 2024?
• Mortgage delinquencies are up 71% year over year.
• Cities like Toronto and Ottawa are seeing double-digit spikes in missed payments.

We break it all down—what it means for you, how to fix your credit fast, and why now might be a great time to refinance your mortgage if you play your cards right.

In this episode of Make Money Count, we’re diving deep into Guaranteed Investment Certificates (GICs) and exposing how Canada’s big banks are holding back, sometimes up to 1% less than what you could be earning elsewhere.

Find out:

• Why banks offer lower GIC rates than other providers
• How GIC deposit brokers can help you earn more
• What net interest margins (NIMs) have to do with YOUR savings
• And how to start playing smarter with your money

Whether you're a cautious saver or a curious investor, this episode is packed with insights that can help you take back control of your financial future.

In this episode of Make Money Count, Marcus & Justin break down how Canadian banks use Net Interest Margins (NIMs), penalties, and hidden fees to quietly pull $60+ billion in profit from everyday Canadians like you.

This episode pulls back the curtain on the banking industry and gives you the tools to fight back.

Don't let your bank take advantage of you.

📞 If you're thinking of renewing or refinancing, talk to Cannect first: https://cannect.ca

From rising unemployment to canceled real estate listings and low consumer confidence, we explore the economic issues that may force the Bank of Canada's hand.

In this episode of Make Money Count, Marcus & Justin break down what the Fed's latest report means for inflation, interest rates, and your finances. From stagflation concerns in the U.S. to the surprising advantages of Canada's weakening labor market, we explore the global economic landscape and what it means for you as a homeowner, investor, or everyday Canadian.

Topics Covered:

• Why inflation is rising even as growth slows
• How tariffs are driving prices up
• What stagflation means—and why it's so dangerous
• Why Canada might benefit from a weak job market
• How politics and uncertainty are disrupting central banks
• Should you switch to a variable-rate mortgage?

The economy is shifting fast. Stay informed. Stay prepared.

🏡 Strategy 1: Flipping single-family homes under CMHC’s new $1.5M cap.

🏢 Strategy 2: Bulk buying condos at fire-sale prices from desperate developers.

Whether you’re looking to invest, flip, or buy smart, these tactics are working right now, and they could be your next big opportunity.

Don’t wait for the market to recover, be the one who buys while everyone else hesitates.

From over 30,000 active listings to investors dumping units at below build cost, we uncover what’s going on behind the headlines.

📉 Are we heading for a crash, or is this just a long-overdue correction?

🏘️ Should you buy now, or wait it out?

🚪 What happens when immigration slows and pre-construction deals start collapsing?

Tune in for no-fluff insights from the Cannect team, where we prioritize facts over fear.

In this video, we break down what you should consider if:

• You’re self-employed and hate paperwork
• You want to borrow more for a renovation
• You’re worried about higher rates
• You’re unsure whether to refinance, renew, or switch lenders

At Cannect, we simplify the process. No sales pitch. Just honest advice, technology that makes it easier, and customized options laid out side-by-side so you can make the smartest move.

They break down: 

✔️ Why banks don't always have your back ✔️ How penalties really work ✔️ What to ask before renewing ✔️ Why you need a real advocate, not a bank employee ✔️ The smartest way to handle your mortgage in 2025

Thinking of switching from fixed to variable? Facing a renewal in the next 6–18 months? This video could save you thousands.

Get honest advice, learn from real scenarios, and don’t let the system take advantage of you.

In this episode of Make Money Count, we break down:

• What the Bank of Canada said and what they really meant
• Why March CPI numbers matter more than you think
• How bond yields are guiding fixed-rate mortgages
• And—most importantly—whether you should lock into a fixed or stick with a variable.

We’re still pro-variable. June and July cuts are likely, and the smart money is on flexibility. Watch to hear our full strategy—and maybe place a bet with us on the next rate cut.

- Are mortgage rates going down for good?

- Will this boost Canada’s cooling housing market?

- Should you go fixed or variable right now?

This week, we're pulling back the curtain on Trump's trade policies—and it’s not just Trump calling the shots. Who's really influencing America's economic strategy?

In this episode of Make Money Count, Marcus & Justin dive into: 

✅ How the leadership change might affect mortgage rates ✅ Pierre Poilievre’s growing popularity (and possible pitfalls) ✅ Canada's missed opportunities in trade, intellectual property, and economic strategy ✅ What borrowers, businesses, and investors should watch for next

Is Canada heading toward growth, or are we stuck in political and economic limbo?

Canada’s prime rate just dropped by 25 basis points, and while that sounds like great news for borrowers, there’s more to the story. Tariff disputes, market instability, and new U.S. travel restrictions for Canadians could shake things up.

• What does this mean for real estate?
• Will lower rates boost the economy?
• How do trade tensions impact your investments?

Toronto & Canadian Real Estate: The sales-to-new listings ratio is at 33%, active listings are up 76% YoY, and prices are dipping slightly. Are we officially in a buyer’s market?

Falling Interest Rates: BMO & RBC predict deeper rate cuts—what does this mean for mortgages and homebuyers?

Canadian Dollar Struggles: As the loonie takes a hit, what impact will this have on real estate and investments?

Auto Industry Gets a Reprieve: Will this short-term relief have long-term effects?

Trudeau’s Strategy & EI Reforms: The government is holding off on a short-term trade deal while economists push for Employment Insurance reforms—how could this reshape consumer spending?

From Trump’s proposed tariffs to Canada’s Liberal leadership race, big shifts are happening that could impact your investments, mortgage rates, and cost of living. In this video, we break down:

Trump’s Tariffs: How a 25% import tax could shake Canada’s economy.

Liberal Leadership Race: What new policies could mean for housing and mortgages.

Mortgage & Investment Tips: How to stay ahead in uncertain times.

In this episode, we break down:

• What does the new CPI data mean for inflation and interest rates
• How homeowners, buyers, and investors should react
• Whether now is the time to lock in a mortgage or wait for lower rates

If you're a homeowner, mortgage holder, or investor, this episode is a must-watch. Stay ahead of the market and make smarter financial decisions!

We discuss:

✅ Why tariffs are pushing consumer prices higher

✅ The ripple effects on industries like auto manufacturing and healthcare

✅ What this means for Canadian businesses and homeowners

Plus, we analyze the Federal Reserve's stance and how these trade tensions could affect future interest rates. Wondering how this impacts your mortgage or investment decisions? Cannect is here to help.

What You’ll Learn:

• The REAL reason behind Toronto’s skyrocketing property taxes
• How the city mismanages over $30 billion in reserves
• The truth about Toronto’s “deficit” (spoiler: it’s not what you think!)
• Why vendors are avoiding city projects
• Bold solutions for housing, transit, and public services

Brad shares his candid thoughts on Toronto’s culture of risk aversion, inefficient governance, and what needs to change for the city to thrive.

We also discuss Canada’s role in U.S. trade, the growing pressure on Canadian industries, and why Canada needs to rethink its economic strategy to protect itself from unpredictable U.S. policies.

Key Topics:

• How tariffs affect interest rates and real estate prices
• Trump’s economic goals and their consequences for Canada
• Canada’s reliance on U.S. trade and the need for change
• The political and economic tension between the U.S. and Canada

Listen to the full episode for a deep dive into how international trade tensions are affecting your bottom line!

The BoC lowered its key rate by 25 basis points, bringing the prime rate down to 5.2%—and more cuts are expected! What does this mean for homeowners, investors, and borrowers?

• Variable vs. Fixed Rate Mortgages – Should you break your fixed rate?
• HELOC & Line of Credit Rates Rising – What you need to know
• Housing Market Outlook – Is now the right time to buy?
• Canada’s Economic Future – What’s next for interest rates?

If you're thinking about switching to a variable rate or have a mortgage renewal coming up, now is the time to act! Contact us to find the best mortgage strategy for you.

• Refinance smarter with Cannect’s mortgage options.
• Make your money work harder with our investment solutions.

Are you wondering where interest rates are headed in 2025? We’ve got you covered! In this episode, we break down:

What Canada’s major banks predict for interest rate changes

How global politics and potential U.S. tariffs could impact the economy

Tips for homeowners and investors to prepare for the shifts ahead

We simplify the complex financial news and provide actionable insights to help you navigate these changes with confidence.

Highlights from this episode:

• Scotiabank and National Bank’s opposing forecasts
• The economic drivers behind interest rate changes
• How political shifts could influence Canadian monetary policy

Whether you’re managing a mortgage, considering investments, or planning your finances for the future, understanding these predictions and trends is essential.

• Why mortgage lenders are fighting for your business.
• Insider tips on how to get the best rates and terms.
• The importance of understanding your options before you renew.

Get ahead of the rate wars and learn how to save thousands on your mortgage.

✅ Chrystia Freeland’s resignation and its impact on Canada’s leadership.

✅ The Liberal government’s spending habits and the economic repercussions.

✅ Market predictions: Could Trudeau’s tenure end before 2025?

✅ Strained U.S.-Canada relations and their implications for our economy.

Don’t miss out—watch now to stay informed about Canada’s future!

• How Canadian banks are profiting from high rates.
• What this means for your mortgage.
• Why variable-rate mortgages might be your best bet.
• How Cannect can help you navigate this financial landscape.

Get the insights you need to stay ahead in a challenging economy.

We delve into the impact of oligopolies, overregulation, and infrastructure deficits that stifle innovation and competition. With the Bank of Canada hinting at future interest rate cuts, we discuss how our unique mortgage market magnifies economic challenges.

Can Canada turn this trend around? What steps should we take to attract skilled workers and invest in the fundamentals of our economy?

✅ How to qualify for the 90% LTV refinance

✅ Potential risks and how to navigate them

✅ Tips for adding rental units to boost your income

✅ Insights into recent CMHC policy changes and what they mean for you

• The increase of the maximum insurable purchase price from $1 million to $1.5 million, making it easier to buy a home with less than 20% down.
• The introduction of 30-year amortizations for first-time buyers and newly built homes, lowering monthly payments but increasing total interest paid.
• How these changes may impact future interest rate cuts and housing market activity.

This Episode Highlights:

Divergence of Canadian and US Economies and its Impact on Bank of Canada's Decisions

Marcus dissects the dynamics between the Canadian and US economies, explaining how this divergence could shape future decisions by the Bank of Canada. Understanding these shifts is paramount for anticipating changes in interest rates and their repercussions on financial markets.

Pain Caused by Elevated Interest Rates in the Canadian Economy

Explore the tangible impact of elevated interest rates on the Canadian economy. Marcus sheds light on the challenges faced by businesses, consumers, and economic growth, offering a comprehensive view of the current economic landscape.

Predictions with Data and Charts: Strong Probability of Rate Cuts in June

Marcus presents his predictions indicating a strong probability of rate cuts in June. These predictions are rooted in thorough analysis of economic indicators, providing valuable guidance for investors and individuals shaping their financial strategies.

Ready to navigate these economic shifts and optimize your financial strategies? Reach out to us today to explore tailored solutions aligned with your financial goals. Let's navigate these economic waters together and ensure your money counts!

🔔 Subscribe for more!

PODCAST: =============================== Apple: https://podcasts.apple.com/us/podcast/make-money-count/id1579718660 Spotify: https://open.spotify.com/show/60gGyKOiiN7fnKFknyFREJ iHeart Radio: https://www.iheart.com/podcast/269-make-money-count-85477969/ Podbean: https://makemoneycount.podbean.com/

SOCIAL ===============================  ♪   - TikTok: https://www.tiktok.com/@cannect.ca 👥 - FACEBOOK: https://www.facebook.com/cannecthomefinancing 🐣 - TWITTER: https://twitter.com/CannectLoans 📸 - IG: https://www.instagram.com/cannect.ca/ 💼LinkedIn: https://www.linkedin.com/company/cannect-home-financing

👇👇YOUR BEST HOME MORTGAGE NOW AND FOREVER 👇👇

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👇👇INVEST WITH CANNECT NOW👇👇

https://cannect.ca/mortgage-investment-corporation

✅ Averaging 8.11% returns. ✅ Nine years of established success

🎓 Learn more about how to Make Money Count: http://MakeMoneyCount.com

Episode Highlights

Canadian Economy Challenges and Real Estate Market Trends

Marcus and Justin provide an insightful analysis of the current challenges facing the Canadian economy, particularly in the context of the real estate market trends. They examine factors such as inflation rates, employment levels, and housing affordability, offering viewers a comprehensive understanding of the economic landscape.

Bank of Canada's Rate Cut Predictions and Mortgage Strategy

The duo discusses predictions regarding potential rate cuts by the Bank of Canada and its implications for mortgage strategies. By exploring the impact of interest rate changes on mortgage rates, they equip viewers with valuable insights to make informed decisions about their home loans in Canada.

Debunking Housing Market Crisis Misconceptions

Marcus and Justin debunk common misconceptions surrounding the housing market crisis, providing clarity on prevailing myths and realities. They address concerns about housing bubbles, affordability challenges, and market stability, helping viewers navigate through the noise and make sound decisions regarding their mortgages.

Beware of Interest Rate Differential Penalties

Lastly, Marcus and Justin emphasize the importance of understanding interest rate differential penalties associated with variable rate mortgages. By highlighting the potential financial implications of these penalties, they underscore the need for borrowers to carefully evaluate their mortgage options and consider factors such as home equity loans and variable interest rates.

🔔 Subscribe for more!

PODCAST: =============================== Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/60gGyKO... iHeart Radio: https://www.iheart.com/podcast/269-ma... Podbean: https://makemoneycount.podbean.com/

SOCIAL ===============================  ♪   - TikTok:   / cannect.ca   👥 - FACEBOOK:   / cannecthomefinancing   🐣 - TWITTER:   / cannectloans   📸 - IG:   / cannect.ca   💼LinkedIn:   / cannect-home-financing  

👇👇YOUR BEST HOME MORTGAGE NOW AND FOREVER 👇👇

https://cannect.ca/ https://cannect.ca/ https://cannect.ca/

👇👇INVEST WITH CANNECT NOW👇👇

https://cannect.ca/mortgage-investmen...

✅ Averaging 8.11% returns. ✅ Nine years of established success

🎓 Learn more about how to Make Money Count: http://MakeMoneyCount.com

#bankofcanada #banks #canada #cannect #comercialrealestate #credit #foryou #interestrates #makemoneycount #mortgages

🔔 Subscribe for more! PODCAST:===============================

Apple: https://podcasts.apple.com/us/podcast/make-money-count/id1579718660 Spotify: https://open.spotify.com/show/60gGyKOiiN7fnKFknyFREJ iHeart Radio: https://www.iheart.com/podcast/269-make-money-count-85477969/ Podbean: https://makemoneycount.podbean.com/

SOCIAL===============================  ♪   - TikTok: https://www.tiktok.com/@cannect.ca 👥 - FACEBOOK: https://www.facebook.com/cannecthomefinancing 🐣 - TWITTER: https://twitter.com/CannectLoans 📸 - IG: https://www.instagram.com/cannect.ca/ 💼LinkedIn: https://www.linkedin.com/company/cannect-home-financing

👇👇YOUR BEST HOME MORTGAGE NOW AND FOREVER 👇👇

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👇👇INVEST WITH CANNECT NOW👇👇

https://cannect.ca/mortgage-investment-corporation

✅ Averaging 8.11% returns. ✅ Nine years of established success

🎓 Learn more about how to Make Money Count: http://MakeMoneyCount.com

Apple: https://podcasts.apple.com/us/podcast/make-money-count/id1579718660 Spotify: https://open.spotify.com/show/60gGyKOiiN7fnKFknyFREJ iHeart Radio: https://www.iheart.com/podcast/269-make-money-count-85477969/ Podbean: https://makemoneycount.podbean.com/

SOCIAL===============================  ♪   - TikTok: https://www.tiktok.com/@cannect.ca 👥 - FACEBOOK: https://www.facebook.com/cannecthomefinancing 🐣 - TWITTER: https://twitter.com/CannectLoans 📸 - IG: https://www.instagram.com/cannect.ca/ 💼LinkedIn: https://www.linkedin.com/company/cannect-home-financing

👇👇YOUR BEST HOME MORTGAGE NOW AND FOREVER 👇👇

https://cannect.ca/ https://cannect.ca/ https://cannect.ca/

👇👇INVEST WITH CANNECT NOW👇👇

https://cannect.ca/mortgage-investment-corporation

✅ Averaging 8.11% returns. ✅ Nine years of established success

🎓 Learn more about how to Make Money Count: http://MakeMoneyCount.com

Highlights:Insights from Tim Hudak: Gain invaluable perspectives from Tim Hudak, a seasoned industry expert, as he shares his insights into the evolving landscape of real estate, housing regulations, and financial policies. Explore Tim's vast knowledge and experience, offering a unique lens through which to understand the complexities of the housing market.

Housing Regulations Unveiled: Delve into the regulatory challenges encountered by property owners during construction and renovation projects. Learn about the importance of streamlining these processes to facilitate development and meet the growing demands of the housing market.

The Skilled Trades Dilemma: Explore the critical role of skilled trades in shaping essential infrastructure and addressing labor shortages. Join the conversation on how adjusting immigration policies could offer solutions to the ongoing challenges faced by the labor market.

Financial Policies Impact: Examine the far-reaching effects of financial policies on the housing market, including discussions on mortgage insurance, interest rates, and their implications for housing affordability. Discover how these policies influence the decisions of homeowners and prospective buyers alike.

Personal Anecdotes and Insights: Journey through personal anecdotes shared by Tim Hudak, offering glimpses into his unique experiences and encounters in the real estate industry. From reflections on family dynamics to encounters with public figures, Tim's stories add depth to our exploration of real estate and financial landscapes.

Upcoming Real Estate Conference: Get an exclusive preview of an upcoming real estate conference featuring esteemed speakers such as Magic Johnson and Daymond John, with insights provided by Tim Hudak. Explore the key topics to be addressed and the invaluable insights to be shared, promising an enriching experience for all attendees.

Join us for a thought-provoking discussion with Tim Hudak, CEO of the Ontario Real Estate Association, as we unravel the complexities of real estate, housing regulations, and financial policies. Gain valuable insights and perspectives that will empower you to navigate the ever-changing landscape of the housing market.

🔔 Subscribe for more!

PODCAST: =============================== Apple: https://podcasts.apple.com/us/podcast/make-money-count/id1579718660 Spotify: https://open.spotify.com/show/60gGyKOiiN7fnKFknyFREJ iHeart Radio: https://www.iheart.com/podcast/269-make-money-count-85477969/ Podbean: https://makemoneycount.podbean.com/

SOCIAL ===============================  ♪   - TikTok: https://www.tiktok.com/@cannect.ca 👥 - FACEBOOK: https://www.facebook.com/cannecthomefinancing 🐣 - TWITTER: https://twitter.com/CannectLoans 📸 - IG: https://www.instagram.com/cannect.ca/ 💼LinkedIn: https://www.linkedin.com/company/cannect-home-financing

👇👇YOUR BEST HOME MORTGAGE NOW AND FOREVER 👇👇

https://cannect.ca/ https://cannect.ca/ https://cannect.ca/

👇👇INVEST WITH CANNECT NOW👇👇

https://cannect.ca/mortgage-investment-corporation

✅ Averaging 8.11% returns. ✅ Nine years of established success

🎓 Learn more about how to Make Money Count: http://MakeMoneyCount.com

Join us as we navigate through the labyrinth of economic indicators, unravelling the underlying trends driving inflation in the Canadian market. From the soaring costs of shelter to the nuances of food prices, our expert panel provides invaluable insights into the factors shaping consumer spending patterns and market dynamics.

But our exploration doesn't stop there. We go beyond the numbers, exploring the ripple effects of CPI fluctuations on interest rates, investment strategies, and policy decisions. With a keen eye on macroeconomic trends and market sentiment, we offer strategic foresight for investors, businesses, and policymakers alike.

So, whether you're a seasoned investor, a budding economist, or simply someone keen on understanding the forces shaping Canada's economic future, join us for this enlightening discussion. Subscribe now for regular updates and in-depth analysis on all things economics and finance. Don't miss out on the opportunity to stay ahead of the curve in today's ever-evolving economic landscape.

In this episode of the Make Money Count podcast, join Marcus and Justin as they delve into the intricate world of economics and finance. With recent market fluctuations and uncertainty looming, understanding the economy's pulse has never been more crucial.

Decoding Market Dynamics: Get exclusive insights into the current economic landscape as our hosts dissect recent trends and projections.

Expert Analysis: Learn from seasoned financial experts as they provide valuable commentary on stock market volatility, interest rate forecasts, and the impact on various investment portfolios.

Insider's Perspective: Gain a deeper understanding of how economic indicators shape market sentiment and influence decision-making for investors and homeowners alike.

Tune in to Make Money Count for valuable insights, expert analysis, and actionable strategies to make your money work smarter. Don't miss out on this informative episode—hit the play button now and empower yourself with financial knowledge!

🏡 In this episode, we delve into the world of Alternative Lenders, revealing strategies to secure the lowest mortgage rates regardless of your financial situation. Did you know that the next 20 minutes with us could save you and your family $20,000 in interest expenses this year alone?

💡 Learn how to navigate a market full of banks designed to say no to your mortgage. Marcus and Justin explore the benefits of Alternative Lenders, from credit flexibility to stated income programs and debt consolidation. Discover why these lenders might be the perfect fit for your unique circumstances.

🔑 Key Benefits Covered:

- Credit Flexibility: Overcome credit challenges and secure financing with lenient requirements. - Stated Income Programs: Declare income without the strict documentation of traditional banks. - Debt Consolidation: Roll high-interest debts into a single mortgage for lower rates and simplified repayments. - Alternative Lender Credit Lines: Access your home's equity for improvements, investments, or unexpected expenses. - Duration and Considerations: Understand the implications of shorter mortgage terms and potential interest rate differences. - Equity Requirements: Learn how equity influences the cost of alternative mortgages.

🚀 Cannect's automated home finance tool surveys the entire market of Alternative Lenders, ensuring you find the best mortgage product tailored to your needs. Check it out at C-A-N-N-E-C-T.CA!

👍 Don't forget to hit subscribe, give us a thumbs up, and visit Cannect.ca for more insightful content. Your support keeps us motivated to help you make informed and savvy financial choices.

🗣️ Have questions about B Mortgages or want to share your experiences? Drop a comment below and stay tuned for more episodes. Remember, stay informed, make savvy financial choices, and always make your money count! 💰 #MakeMoneyCount #AlternativeLenders #MortgageTips

📊 Join the discussion as Marcus breaks down the numbers, dissecting the unexpected rise in CPI, and its repercussions on interest rates, mortgage rates, and the price of housing. Learn how factors like gas prices, groceries, and shelter costs play a pivotal role in shaping the economic landscape.

💡 Discover the hidden challenges posed by the surge in immigration, causing a staggering 3.2% annual increase in Canada's population. Marcus uncovers the implications on infrastructure, housing demand, and the economy. Is Canada being governed with a short-term vision, and how does it compare to successful long-term strategies?

🔍 Marcus draws parallels between Canada's current economic predicament and the management principles of successful companies like Amazon. Are we sacrificing long-term prosperity for short-term gains, and what does it mean for the future of our nation?

🌐 Share your thoughts in the comments section below! Marcus wants to hear from you – is he becoming too right-wing, or is he shedding light on the critical issues our country is facing? Don't miss out on this thought-provoking episode that challenges the status quo and calls for a comprehensive, long-term game plan to secure Canada's economic future.

👍 If you find this episode enlightening, hit the like button, subscribe for more eye-opening content, and join the conversation. Your insights could shape the next episode of Make Money Count!

Beginning with his own forecast of interest rates declining in June 2024, Marcus sets the stage for a comprehensive exploration of predictions, including the bold projections from TD Bank, which anticipates a substantial 2.75% drop in the prime rate by 2025.

Throughout the episode, Marcus critically examines varying viewpoints, offering viewers a well-rounded perspective on the potential market shifts. A seasoned hedge fund manager's contrarian stance challenges conventional wisdom, suggesting that the anticipated bull run on bonds may not materialize as expected.

The discussion also navigates through scenarios ranging from an economic resurgence triggered by plummeting interest rates to the potential consequences of prolonged high rates leading to a crash in asset prices. Marcus provides practical advice, urging caution and strategic decision-making in this uncertain landscape.

Whether you are contemplating a new home purchase or managing your mortgage, this episode offers invaluable insights to help you make informed decisions. Subscribe now and stay tuned for more episodes of Make Money Count as Marcus Tzaferis continues to unravel the complexities of the financial world.

As we bid farewell to 2023, Marcus Tzaferis brings you the last episode of "Make Money Count" for the year, brought to you by Cannect Home Financing. In this insightful podcast, Marcus delves into the intricate details of the most recent Consumer Price Index (CPI) numbers and their implications for the economic landscape in 2024.

The episode kicks off with an exploration of the headline CPI for November, standing at 3.1%, slightly higher than anticipated. Marcus highlights the initial concerns and the speculation about the Bank of Canada's potential response to this figure, given the current economic climate marked by high interest rates and wary consumers.

Marcus takes a closer look at the CPI components, isolating borrowing costs and shelter costs to reveal a more realistic picture of the economy. This nuanced analysis sets the stage for a discussion on the trajectory and expectations for interest rates in 2024.

Drawing insights from the bond market and the CDOR market, Marcus provides a comprehensive overview of how these markets have digested the CPI information. He shares observations from the Royal Bank of Canada, reassuring that the 3.1% CPI number isn't a cause for major concern, attributing it to shelter costs and rental costs.

The podcast unfolds a narrative around interest rates, highlighting their impact on consumer confidence and spending. Marcus dissects the five-year Government of Canada bond yield, emphasizing its role as a pricing mechanism for fixed-rate products. He forecasts potential rate drops in 2024 and analyzes the implications of a Bank of Canada rate adjustment.

As the discussion deepens, Marcus draws attention to indicators signaling a potential recession. Quoting economist David Rosenberg, he suggests that Canada might already be in a recession when stimulus factors are stripped away, emphasizing the critical role of immigration in the economy.

The podcast takes an interesting turn as Marcus delves into the real estate market. He sheds light on the correlation between interest rates and housing prices, predicting potential shifts in the market based on interest rate adjustments. The discussion encompasses the government's initiatives, including the recent $500 million allocation for housing in Toronto.

Closing the episode on an optimistic note, Marcus shares his expectations for 2024, foreseeing lower interest rates. He encourages listeners to consider variable rate mortgages to leverage potential rate drops and advises caution with fixed-rate products.

As the episode concludes, Marcus extends warm holiday wishes from all at Cannect, expressing hopes for a prosperous 2024. The podcast offers a comprehensive and insightful exploration of the economic tapestry, leaving listeners equipped with knowledge to navigate the uncertainties and opportunities of the coming year.

In this episode, Marcus dissects the surprising decision to maintain the overnight rate, leaving the prime rate at a staggering 7.2%. 🏦 What does this mean for those with variable rate mortgages? Hold onto your hats!

But wait, there's a twist! Bond yields are taking a nosedive, hinting at significant drops in interest rates for 2024. 📉 What's causing this shift? Marcus unravels the impact of Canadian consumer spending and confidence on our economic future.

Get ready for some bold predictions as Marcus dives into the CDOR market, forecasting a potential 50 basis point drop by March and a whopping 75% chance of a 75 basis point decrease by mid-2024! 📆💹

Is the Bank of Canada playing hardball or just missing the mark? Marcus reflects on the challenges of threading the economic needle, urging for a timely shift to accommodative policies. ⏰✨

Discover the potential consequences of delayed rate adjustments on the real estate market and consumer confidence. Marcus passionately calls for action, making a direct appeal to "Hey, Tiff, cut the overnight rate 50 basis points today!" 📣✂️

Don't miss out on Marcus's insights into the complex dance between interest rates, consumer behavior, and the overall economic landscape. 🌐💡

Ready to make money count in 2024? Tune in now and join the conversation! 🎧💼 Don't forget to hit like and subscribe to stay ahead of the financial game. Your wallet will thank you!