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Staying the Course: Why This Downturn Won’t Derail Your Long‑Term Goals

Staying the Course: Why This Downturn Won’t Derail Your Long‑Term Goals

by harmerwealth | Apr 4, 2025 | Economy, Financial Planning, Investing, Real Estate, Retirement

Feeling nervous about the economy, your job, rising prices, or retirement savings? You’re not alone. Market downturns can be scary, especially when the headlines feel overwhelming. At Harmer Wealth Management, we understand these concerns deeply. This post...
An Open Letter to Our Clients and Community

An Open Letter to Our Clients and Community

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...
How Canada’s Unemployment Rate Dropping to 6.6% Affects You

How Canada’s Unemployment Rate Dropping to 6.6% Affects You

by harmerwealth | Feb 7, 2025 | Economy, Financial Planning

Canada’s unemployment rate just fell to 6.6%, and while that might seem like just another statistic, it actually has a real impact on your finances, whether you’re a homeowner, potential buyer, investor, or simply managing your monthly...
How Trump’s 25% Tariffs on Canada Might Affect Your Investments (And Why You Shouldn’t Worry)

How Trump’s 25% Tariffs on Canada Might Affect Your Investments (And Why You Shouldn’t Worry)

by harmerwealth | Feb 3, 2025 | Financial Planning, Investing

It’s understandable that the news about Trump’s 25% tariffs on Canadian goods have some feeling nervous about their investments and the economy in general. When you hear about these kinds of geopolitical shifts, it’s easy to imagine a market meltdown. But, let’s...
Canada’s Unemployment Rate Reaches 8-Year High: What It Means for Your Finances

Canada’s Unemployment Rate Reaches 8-Year High: What It Means for Your Finances

by harmerwealth | Dec 7, 2024 | Economy, Financial Planning

📉 Canada’s Unemployment Rate Hits 8-Year High of 6.8% 📉 Canada’s economy is making headlines, and not for the best reasons. The national unemployment rate has reached 6.8%, the highest level in 8 years. While this news may seem concerning, it’s essential to...
Navigating the Current Real Estate Market: Interest Rates, Inflation, and Maturing Mortgages

Navigating the Current Real Estate Market: Interest Rates, Inflation, and Maturing Mortgages

by harmerwealth | Jul 18, 2024 | Financial Planning, First-Time Home Buyer, Interest Rates, Mortgages, Real Estate, Retirement

With a recent surprise drop in inflation in Canada to 2.7%, the financial landscape is poised for some significant changes. Experts anticipate that this drop in inflation will result in another minimum 0.25% decrease in the PRIME interest rate on the Policy Rate...
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