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More mortgage borrowers now have incentive to refinance

Planning to buy at home 2019? It's time to take action. are trending downward & a rate change can impact monthly payments

What should investors expect in today’s ? Higher , higher borrowing costs and slower growth. portfolio manager Mike Terwilliger explains why it may be time to shorten your portfolio’s duration.

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: The acted pretty much as expected in 2018. What will it look like this year? Doug Drabik breaks down his 2019 outlook on , policy, and more:

The acted pretty much as expected in 2018. What will it look like this year? Doug Drabik breaks down his 2019 outlook on , policy, and more:

“Non-directional strategies should not be correlated with movements in markets or movements in ,” says Investments’ Larry Hatheway

Following the ’s recommendations to replace benchmarks, should you be cautious with your swap exposure?

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What’s the first question you ask yourself when you’re ready to buy a home? It should be, “How much can I afford?” Without that crucial piece of information, you can’t even begin your search. Figure your monthly income and debt payments, order your credit reports and determine how much you can put down.

Now, apply for pre-approval from a number of lenders, to shop for the best interest rate and terms. You can choose fixed or adjustable rate, and a conventional or government or jumbo loan, among the most common types of mortgages.

Now, what do you want out of your new home? Want a location within the city, right downtown, in the suburbs or a rural setting? How many bedrooms and bathrooms, in a single family home or townhouse or condo?

Now that you’ve figured out what you’re looking for and what you can afford, locate the neighborhoods that satisfy your requirements. An area real estate agent can give you information that satisfy your requirements. An area real estate agent can give you information about schools, your work commute and proximity to shopping and recreation. Find your agent through referrals and interviews to get the right “chemistry.”

You can browse listings online, but the agent should be able to provide a list of suitable properties right away. Make appointments for tours and attend open houses if available. My upcoming column will guide you through the next steps!

Great news on interest rates as we head into the strongest home buying season we will see all year.

Today, buyers can lock in the lowest rates we have seen in 14 weeks and we can only hope they go a bit lower…..

Benefits of maintaining a good relationship with your bank

There’s always something beneficial that comes out of a good working relationship. Just like your neighbourhood dentist who throws in a free toothpaste when he sees your friendly smile, your bank could also choose to be friendlier if you maintain a good rapport.

These friendly gestures might be extended to you in more ways than usual banking services.

If you build a strong relationship with your bank, you could be rewarded with the following benefits.

Additional convenience

When you maintain a long-term relationship with your bank, you are provided with a point-of-contact who manages your financial needs. This representative becomes familiar with your finances and your details, which makes it quicker when processing your work. This is beneficial when it comes to depositing cheques or transferring money. Additionally, since they already know you well, your loan approvals and processes could be faster too, since they don’t have to dig too deep to know your credibility.

Better loan terms and interest rates

Banks usually concentrate on bringing more business from their present customers. This puts you in a good situation, to begin with. If you have an excellent standing with your bank regarding creditworthiness, you could access more benefits when it comes to taking further credit. For instance, since you have a good reputation, you could be offered better interest rates and terms on loans than what is advertised to the public.

Concession in fees

Because you’re looked upon on as a highly-valued customer, banks might be more lenient with you when it comes to certain fees. For instance, they could waive penalties like cheque-bouncing fees or overdraft charges. If you maintain a good relationship with your bank, they could co-operate with you better. You might not only be able to manoeuvre fees, but also negotiate lower fees with them.

Better customer service

Branch managers need to retain their loyal customers as it benefits their office’s profitability too. If you keep giving them more business and work towards building a good relationship with them, there’s a good chance you’ll be treated quite well. It’s not unusual for loyal customers with particularly profitable accounts to be treated with a higher level of customer service by their representative.

Personalised advice                

When you invest in a good relationship with your bank, your bank takes an interest in your dealings too. An experienced bank manager could sometimes be a good financial adviser to you, recommending you profitable avenues to grow your wealth. If you’re struggling with your business, your trusted financial adviser can assist you in developing strategies to survive or recommend suitable loans.

Tolerant conditions

If you’re having trouble repaying a loan, your bank could consider changing your borrowing arrangements to make it easier. You could also discuss your situation further with your adviser and plan to improve your condition with their expert advice.


Clearly, there are quite a few benefits to relationship-based banking. To be able to do so, it is important to be professional in your dealing with the bank and always maintain a healthy two-way conversation.

Interest rates on a conforming 30 year mortgage are up again this week to another new 7 year high. If you are borrowing money, to purchase that perfect home, the last time rates were higher was in April, 2011.

Watch where interest rates go from here as the effects of higher interest rates will touch everyone.


Hello guys this is my video based on how to find the amount of money in a bank account with an interest rate per year!

This video feat. my best fran JASON!!!!! @jasonbhm @artist_jbhm

Please, please, please help me get this video up to 500 likes or views, it’s for an extra credit project. Thank You and I appreciate all of you!!!!

#interestrates #banks #money #domath #mathcanbefun

Have a nice day ya’ll

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Fed Rate Hike History Says Bulls Could Run For A Long Time

Facts Say Be Open To Better Than Expected Outcomes

Dating back to August 2016, our weekly videos have covered numerous long-term charts that tell us to remain open to the possibility of stocks rising for several more years, including:

  1. Bullish Monthly Momentum (MACD) - December 2, 2016
  2. Long-Term Breakout In Stock/Bond Ratio - December 9, 2016
  3. Annual Signal Last Seen Before 1982 Bull Run - December 30, 2016.

Are Fed Rate Hikes A Showstopper For Stocks?

The Fed raised rates by 0.25% Wednesday and projected an acceleration in U.S. economic growth. It seems tempting to say “the Fed will kill the bull market”. However, as noted by Senior Market Strategist Ryan Detrick of LPL Financial, it is in the realm of historical possibility for stocks to continue to rise for some time.

A List Of Concerns

This week’s stock market video reviews present day facts to help us better understand the stock market’s concerns related to:

  1. Valuations
  2. Geopolitical Events
  3. Predictions Of Gloom And Doom
  4. Threat Of U.S. Recession