This is Patrick’s bio
The University of Waterloo's spring housing fair in 2022 looked like a Black Friday sale. Students lined up before dawn. Landlords received 40 inquiries for a single room. One international student rented a basement in a converted garage for $1,100 without seeing a photograph. By fall 2025,
## ATB Kept 95% of Renewing Borrowers While Originating $5.6 Billion in Mortgages ATB Financial closed $5.6 billion in new residential mortgages in fiscal 2026. That's the highest origination volume in the institution's history, achieved during a year when most borrowers were renewing into rates
Dave's Hot Chicken announced frozen Slushers topped with Pop Rocks candy this week. The limited-time drinks are available now at all U.S. locations. For a chain built around heat levels and spice progression, the move into novelty beverages marks a different kind of attention grab. The
CIBC posted stronger quarterly earnings this week and then made the safe choice: it left the dividend at $0.90 per share. That combination tells you more about the bank's read on the next twelve months than any forward guidance buried in an earnings call. The profit gain
360insights hired two executives last week. One of them worked there before. Steven Kellam is back at the company as SVP of Revenue Growth and Partnerships. Ben Speirs joined as VP of Finance. The dual announcement came from the company's Toronto and New Orleans offices, which is the
The Coordination Opportunity When a household earns $180,000 from two $90,000 jobs instead of one $180,000 job, the financial industry treats this as a minor detail. Same number, same advice. This is wrong in ways that cost dual-income households tens of thousands of dollars over a
The cleanest framing for Vancouver's housing trap shows up when you do the math for a household making $135,000 in early 2026. They can afford to rent a decent two-bedroom apartment. They cannot afford to buy one without fundamentally breaking their financial lives. Start with what
The term insurance pitch is built on a scenario that never arrives. You'll buy coverage for 20 years, invest the premium difference religiously, retire wealthy, and let the policy lapse because you won't need it anymore. The math works beautifully in the spreadsheet. It collapses when