Ryan Sims insights, thoughts, and analysis

Tag: interest-rates

  • Listening

    Growing up it was common for the old timers in our small town to tell the youth of the day ” God gave you 2 ears and one mouth, so you should listen twice as much as you talk “. From time to time with my own kids, I would quite often say “you need…

  • 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…

  • 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,…

  • Blow It All Up

    I thought it would be really hard to top Monday’s Parliamentary shit show, but it looks like I was wrong. Today at 2:00 pm the US Federal Reserve met, and boy oh boy, did shit get real – real fast. As part of the Fed meetings, the minutes are released along with the statement, and…

  • Fri Yay

    Tomorrow is probably the most important day – central bank wise at least for the remainder of 2025. Tomorrow morning we will get some employment reports out of Canada and the US that will likely help determine where overnight rates go at the next meeting for the BOC and The Fed. I bet we see…

  • Feeling the Vibe

    It seems that every day I learn something new. This past week I learned that the economy doesn’t actually suck, it is just that Canadians got the Vibe wrong. I am not exactly shocked at this, since the current party seems to have a different take on finance, but to tell Canadians that they just…

  • Round Up

    Lots going on in the mortgage finance world this week. Let’s take a brief look at some things that fall off the beaten path. How Stressful: Today was supposed to be the day that OFSI removed the stress test from switches at maturity. Of course, in true government department fashion, no clear rules have been…

  • How Odd??

    It seems the older I get the more odd things become. Today was a day that saw Ukraine launch US weapons over into Russia that amped up the geo political risk. Normally on a day like this we would see the US Dollar rocket ( no pun intended ) higher. But, alas, we saw the…

  • 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…

  • 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…