Category: Uncategorized
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A game of Twister
Remember the old classic game of twister? Red hand blue, left foot red? A game that a lot of kids spent their childhood playing seems to have faded away. Even though a lot of things come back – like baseball cards, and pogs, the game of Twister has faded off. Sure, you can still find…
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Spare A Dollar?
As I give out the Halloween candy this evening, I can’t help that think that Halloween and the Canadian housing market have a lot in common. Giving away extended ams and insured refinances probably won’t get the kiddos too pumped, but the average homeowner loves it. Of course, we are giving away things that we…
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Take A Pill
To quote Charles Dickens “It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of light, it was the season of darkness, it was the…
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Chop Chop
If you listen very closely, you can actually hear all the Tik Tok relators limbering up and getting ready to dance the day away tomorrow after the BOC cut. Money markets are widely pricing in a 50 bp cut tomorrow, with 76% odds of 50 bp reduction. That is good enough to say the majority…
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Time
There is one thing and one thing only that is truly the great equalizer – TIME. No matter if you are rich or poor, black or white, Christian or Muslim – it makes no difference as we all have 24 hours in a day. Elon Musk runs Tesla, Space X, Starlink and The Boring Company…
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Don’t Look Now
A very happy Gobble Gobble day to everyone in Canada. I can smell the turkey from all the way down here. I hope everyone is well rested after the long weekend and ready for another week of mortgage wars. One thing about me is that when I am wrong – I admit it. We all…
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Lucky Number 3
The third time is the charm was the old saying we use to have back in the day. It seems these days, things seem to come in 3’s. While I was busy trying to stay safe from Hurricane Milton – a category 3, there were a lot of things going on in the finance world…
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Um, What?
The only thing I know about 2024 is it just seems to get weirder and weirder as the year goes on. I guess it is hard to predict what a government on the edge of losing power can do? No one, and I honestly mean no one, had the recent mortgage changes on their 2024…
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Haters Gonna Hate
I am getting old. I am so old in fact, that I remember the days gone by where the USA had to really do something to piss off Canada. I mean something like enact a tariff, elect an orange man, or something of that nature. Today though, apparently all the USA has to do to…
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Rate Wars and High Temps
While everyone has been busy enjoying some pretty amazing fall weather, the temperature isn’t the only thing heating up. It appears that maybe, perhaps, quite possibly the bond market is taking its que from Mother Nature, and heating up itself. This may not be the time to interrupt the Tik Tokking realtors, but it appears…
Ryan Sims insights, thoughts, and analysis 