Ryan Sims insights, thoughts, and analysis

Tag: finance

  • 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…

  • 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…

  • 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…

  • 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…

  • 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:

  • DeepSeek Causes Deep Shit

    What a way to start a week off!!! Wowsers, is it about to get interesting. After all the crap yesterday between the US and Columbia, I thought it would be pretty hard to top all of that – but that took a back seat to the overnight announcement from China. Let’s take a Deep Dive…

  • Liars And Thieves

    Happy Sunday everyone. It is a good thing that bullshit isn’t taxable, because there would be a lot of groups with a very large tax bill. There is a misunderstanding in the insurance world. People think that their policy is with State Farm, so State farm is the one who foots the bill. My insurance…

  • Spikes, Nails, and Sharp Objects

    This morning we all saw the release of the Canadian and US jobs reports, and WOW, were they a blowout. It has been a long time since I have seen employment reports those nice!! Almost every metric hit the marks – jobs were full time instead of part time, employment was in the private sector,…

  • Form Here to There and Back Again

    Predictions have always been a fools game, but a game none the less that I like to play. With that in mind, below are my predictions on what I think 2025 has in store. Some of these are housing related, but most are basic economic predictions – but since so much of Canada’s economy is…

  • Feelings, Vibes, and Concepts

    Fewer letters can spark fear in the average Canadian’s heart than the letters C R A. Of course we all know it stands for the Canada Revenue Agency. The CRA is probably the most feared government agency of all time. As someone who has dealt for a very long time with both the CRA and…