by harmerwealth | Mar 12, 2025 | Interest Rates, Mortgages, Real Estate, Uncategorized
Big news for homeowners, buyers, and investors: the Bank of Canada has cut its key interest rate by another 0.25%, marking a shift in the economic landscape. If you have a variable-rate mortgage, this directly impacts you—so let’s break it down. Variable-Rate Mortgage...
by harmerwealth | Mar 5, 2025 | Uncategorized
With all the news about tariffs and trade tensions, you might be wondering, “What does this mean for my investments?” It’s a valid concern, but the most important thing to remember is not to panic over headlines. Key Takeaways:Don’t React to Headlines – Markets move...
by harmerwealth | Mar 4, 2025 | Economy, Financial Planning, First-Time Home Buyer, Interest Rates, Investing, Investment Income, Mortgages, Real Estate, Retirement
We understand that the recent fear and volatility caused by Trump’s latest antics—particularly his tariffs on Canada—have left many of you feeling uneasy. If history has taught us anything, however, it’s that we’ve seen this before. This is Trump 2.0—a bad movie we’re...
by harmerwealth | Feb 25, 2025 | Retirement
Are you confident every aspect of your retirement plan is secure? This post explores critical factors influencing retirement success, including converting your RRSP to a RRIF, managing portfolio withdrawals in Canada, and maximizing home equity for consistent income....
by harmerwealth | Feb 22, 2025 | Investing, Investment Income, Retirement
Planning for retirement can feel overwhelming, especially with the variety of financial decisions that need to be made. Whether you’re nearing retirement or just beginning to plan, having the right strategy is crucial. For residents of Whitby, Oshawa, Bowmanville, and...
