Make Money Count

Why does Trump actually want a weaker Canadian dollar, and what does it mean for your mortgage rate? In this episode of Make Money Count, Marcus and Justin break down the currency dynamics behind Trump's comments on the Canadian dollar, what's really happening with the Federal Reserve heading into its next decision, and a real mortgage math breakdown that could save, or cost, you over $1,000 depending on your renewal timing. We break down: Why a weaker Canadian dollar actually works in Trump's favor, and what it would take to change that Fed chair Kevin Worsh's mixed signals heading into the September 16 rate decision, and why forward guidance might make a comeback whether he wants it to or not The 125 basis point gap between US and Canadian interest rates, and where it could be headed next A real example: what it actually costs to break a mortgage early and switch to fixed, penalty and all What this all means if you're coming up for renewal in the next several months The headlines rarely explain the full picture. This episode does. Watch till the end for the full mortgage math breakdown. #CanadaMortgage #Mortgag

The US 10-year bond yield just touched 5%, and the Federal Reserve meets tomorrow with a 90% chance of a rate hike already priced in. So what happens if they don't? In this episode of Make Money Count, Marcus and Justin break down tomorrow's Fed decision, what a hold versus a hike means for bond yields on both ends of the curve, and why the outcome matters just as much for Canadian mortgage holders as it does for the US economy. We break down: Why the 10-year touching 5% and the tightening yield spread matter more than the headline number Whether Fed chair Kevin Worsh can hold rates and still convince the market it's the right call, not just political pressure Two very different ways a hold could play out for long-term yields, depending on how the market reads it Why variable rate mortgage holders in Canada could come out ahead if the Fed holds Tomorrow's decision has real implications on this side of the border too. Watch till the end for the full breakdown. Who do you think wins if it's a hold? Let us know in the comments.

The Bank of Canada has held rates for seven straight meetings. Your mortgage rate went up anyway. In this episode of Make Money Count, Marcus and Justin dig into exactly that contradiction. The overnight rate has sat at 2.25% for seven straight meetings, yet fixed rates keep climbing regardless. We break down: Why bond yields have risen almost 50 basis points since January even though the Bank of Canada hasn't moved How bond yields act as an early warning system for inflation and rate decisions, before oil prices or headlines catch up The $100 bet on whether the Federal Reserve hikes rates on September 16 Why the big banks can't agree on what's next, Rabobank calls 2.25% the peak, Scotiabank says there's 75 basis points more to come The "variable rate nest" theory, and why that protection from the Bank of Canada might not hold much longer What anyone renewing soon should actually do right now, and the math behind locking in early Seven holds. One rising number nobody's talking about. Watch till the end to find out what it means for your mortgage. #MakeMoneyCount #Cannect #MortgageRates #BankOfCanada #FixedVsVariable #CanadianEconomy

What if the biggest banks in Canada showed up to the same party and couldn't agree on anything? In this episode of Make Money Count, Marcus and Justin imagine exactly that: RBC, TD, BMO, and Scotiabank, all in one room, all asked the same question about where rates go next. Three of them show up with nearly the same answer. One of them shows up ready to argue. We break down: Why RBC, TD, and BMO all point to weak labor force growth and US trade tariffs as the reason rates are likely on hold Scotiabank's outlier call for stronger growth and two rate hikes, and why this bank always seems to be the hawk in the room A chart on Canadian firms' long-run inflation expectations, and why it's holding steady even after a hundred-dollar oil price shock The role oil prices are playing behind the scenes in keeping inflation above target Why Justin is still making the case for variable right now, and the math behind that call Where mortgage rates actually stand today, and the real spread between fixed and variable Four banks. One question. Only one real disagreement. Watch till the end to find out which bank is the outlier, and what it means for your mortgage. #CanadaMortgage #MortgageRates #MortgageTalk #Cannect #MakeMoneyCount #CanadianEconomy

Is the Iran conflict quietly deciding your mortgage rate? In this episode of Make Money Count, Marcus and Justin break down why a war most people have stopped watching is doing something nobody expected to bond yields, oil prices, and the rate you pay every month. We break down: Why Trump's all in negotiating strategy worked on Canada, the EU, and South America, but is backfiring against Iran Live shipping data from the Strait of Hormuz and what 105 days of conflict actually look like on the water A day by day breakdown of July's bond market moves showing yields spiking before the news even breaks Why war usually sends bond yields down, and why this time the opposite is happening The hidden cost of political capital, and why Iran isn't paying it the way Trump is Where mortgage rates actually stand right now, and which competitor "best rate" claims don't hold up Most people are still waiting for the news to tell them what's coming. Marcus and Justin already found it in the data. Watch till the end. The gap between the market and the headlines is where the real story is. #CanadaMortgage #MortgageRates #MortgageTalk #Cannect #MakeMoneyCount #CanadianEconomy