
Residential Mortgage Commentary - Employment, inflation & interest rates
The news on the economy, inflation and the future of interest rates has been mixed over the past week or so. Most of the recent analysis has centered on employment. Market watchers were surprised by the latest job numbers which shot up by 108,000 in October. The unemployment rate did not move however, holding at 5.2%, as the number of people looking for work went up. Wages are also increasing. Normally these would be considered good things, signs of a strong and growing ec

Enjoy a Debt-Free Holiday
The holidays are coming up! As much as these celebrations bring us joy and harmony, they can also bring us stress. This is particularly true when it comes to your finances! However, don’t lose hope that this will be another draining year on your pocketbook. In fact, with a little planning, there are a few ways you can make sure your holidays are stress and credit-free. Determine Your Holiday Goals: Are you looking to plan an extravagant black-tie party or have a more low-key

Winterizing Your Home
With the changing of the seasons, it can be a good time to take stock of your home and ensure you are ready for the colder weather. To help you feel more comfortable, save on bills and prevent future repair costs, there are some simple things you can do to prepare for the coming season. Tending to minor problems yourself, or booking a professional now, will save you time and aggravation later when poor weather makes it harder to tackle home maintenance jobs. Service Your Heat

Don't Be House Poor
Having the biggest and best home on the block sounds great – but not if it is at the expense of your life and monthly finances! Be smart about your budget and avoid buying a home at the very top of your pre-approval value, which might lead to cash flow issues and being “house poor” down the line. Home Expenses
When it comes to your home, it is more than just your purchase price and mortgage cost. While you might be able to afford to buy a $800,000 home, can you also afford