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On The Shit List
After a very extensive and exhaustive search, and many hours of research, I have compiled a list below of all the people that have gone to jail for committing mortgage fraud. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. There it is. There is the top 10 for ya. This week has been…
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The Problem with Smart People
Well, this morning we saw the inflation report released for Canada, and oh boy was it a doozie. Back in late December of 2024, I put out my year end predictions for 2025, and one of the main things I saw was inflation re igniting. Of course, all the ‘smart people’ took it as an…
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Conflict
In todays challenging times, the title of this post could be about many things. Canada – US relations, the war in the Middle East, or even political divisions within Canada. But is really about none of that. Todays conflict I want to look at is one within our industry. I spent the better part of…
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Do as I Say, Not as I Do
The news cycle seems to move fast these days, and if you haven’t read the news since before dinner, you are out of date. The on again – off again tariff wars, stock markets, bond yield moves, and political climate make it so that you can assume nothing, trust no one, and certainly not take…
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Tariff Tuesday
Happy Tariff Tuesday everyone! It is like taco Tuesday, except that instead of warm delicious tacos we have stupid crazy politicians. It is now official, and tariffs, and counter tariffs are in place. For the average person I really don’t think it will do a whole lot. The one thing that news, media, and even…
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Uno reverse
In the world of finance, there is almost nothing more complicated than how banking actually works. From a very cursory view it is as simple as “borrow short, lend long”, meaning a bank takes money in on a deposit – say a bank account at almost 0% interest, and turns around and lends it out…
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Over Inflated?
Here we sit just 6 weeks into 2025, and I think we can safely throw out the 2025 bingo cards. Pretty much everything you didn’t think could happen has happened, and life has thrown in a couple extra events for good measure. It wasn’t all that long ago that everyone knew, they just knew that…
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A Slight Adjustment
” There are lies, there are damn lies, and there are statistics ” – Mark Twain “Statistics are like bikinis – what they reveal is suggestive, but what they conceal is vital.” – author unknown Yesterday was the release of both the Canadian and the US employment reports. Now, be warned, if you don’t want…
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Spicy!!!
While the past 48 hours has pretty much brought out the absolute worst on both sides of the 49th parallel, and it seems that emotions are running high, hot and spicy, let’s spend some time on what it means. I am not going to get into a back and forth on tariffs – there is…
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Details Matter
There have been a lot of numbers come out over the last few days, and while I see a lot of people celebrating, I think a lot of the celebrations are a bit mis placed. Let’s look at some great examples:
Got any book recommendations?
Ryan Sims insights, thoughts, and analysis 