The unemployment rate ticked down to 6.5% last month, but the headline hides something sharper. All 18,200 jobs Canada added in June went to workers under 25. Not most of them. All of them. Statistics Canada's labour force data breaks employment by age cohort, and June&
The last major chartered bank with a meaningful Quebec-only trust footprint just fixed that problem. National Bank announced it's acquiring Vancouver-based Truvera Trust, and while the press release talks about "expanding capabilities" and "deepening client relationships," what this actually buys is a
Alimentation Couche-Tard posted fourth-quarter earnings on July 2, 2024, and by the end of the week, seven different analyst desks had revised their price targets upward. The convenience-store operator beat expectations on both revenue and adjusted earnings per share, but what caught Bay Street's attention
The content pipeline runs every morning at 6 a.m. Pacific. Content Flow pulls the approved draft, formats it to the client's WordPress theme, adds the schema markup, schedules the publish, and fires the social syndication. By the time the broker opens their laptop with coffee, the article
A 29-year-old accountant in North York signed a six-page document in a sales office last month. She got $78,000 off a one-bedroom condo. She also got a clause that forbids her from disclosing the sale price to anyone, including her mortgage broker, for two years.
A Victoria couple in their late fifties walks into a mortgage broker's office with $380,000 left on their home and $620,000 in an RRSP. Their financial advisor has been telling them for three years to liquidate the registered account and kill the mortgage before they turn
Miguel and Claire sat in their broker's office in Oakville with $85,000 saved and stable incomes totaling $140,000. They'd been pre-approved at $625,000 three weeks earlier. Now the broker was telling them their approval had dropped to $545,000. Nothing about their
The policy was in force for three years before anyone noticed. The employee's salary had climbed above the non-evidence limit, the threshold at which group life insurance requires medical underwriting, but HR never triggered the health forms. Premiums were collected on the higher amount. The file looked
A mortgage broker fielding renewal questions hears it constantly: "What's the penalty if I break early?" The client needs the number to decide whether refinancing makes sense. The broker can't provide it without contacting the lender, which requires authorization the client won't
On March 21, 2025, Prime Minister Mark Carney cancelled the proposed increase to Canada's capital gains inclusion rate. The change was scheduled to push the rate from 50% to 66.67% for gains exceeding $250,000. It will now stay at 50% for 2026 and forward. That reversal
Most tenant insurance policies in Canada already cover your bicycle up to $2,000 for theft or damage, even if you lock it up at the office or chain it outside a coffee shop downtown. That coverage is sitting in a policy you're probably already paying $25 to
A 47-year-old dental hygienist in Burnaby, pulling down $72,000 a year, just watched the market she spent two years waiting on start moving without her. June brought a 10% jump in sales across Greater Vancouver, the kind of number that gets quoted in boardrooms as proof the