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We have assembled a collection of thought provoking articles, reports, surveys, industry information, and other interesting content for your enjoyment.



[Moody's] Lower Projections for Oil Plus Potential Downgrades for Oil and Mining Companies

by Yvonne von Jena | January 25, 2016

Moody’s Investor Services eyes sweeping downgrade of many Canadian oil and mining companies, and trims its 2016 forecasts for West Texas Intermediate and Brent crude, to just $33 (U.S.) a barrel. This is a cut of $7 for WTI and $10 for Brent crude. Further, Moody's said that it sees both rising by an average $5 next year and in 2018.

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Why the Bank of Canada Held Its Benchmark Rate

by Yvonne von Jena | January 21, 2016

The Bank of Canada Governor Stephen Poloz provides important insights into the deliberations of the Bank's Governing Council in determining its monetary policy and maintaining its benchmark interest rate at 0.5%.

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[Inman] Real Estate Agents' Technology Predictions for 2016

by Yvonne von Jena | January 20, 2016

Inman, a leading source of industry information for real estate agents, brokers and other professionals, recently released its 2016 Industry Outlook Report. In it are some technology predictions by Inman readers, which provide insights into where the possible growth and innovation may come from in this industry.

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The Drivers behind the Big Banks Mortgage Rate Increases

by Yvonne von Jena | January 15, 2016

In recent weeks, mortgage rates have increased at many of the big banks. There are a host of reasons why they have been ticking higher, although these all seem to come back to higher capital costs for the banks.

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OSFI's Planned Capital Requirement Changes for Residential Mortgages

by Yvonne von Jena | January 13, 2016

Mark Zelmer, Deputy Superintendent of the Office of the Superintendent of Financial Institutions (OSFI) provided interesting insights into bank capital requirements in a presentation today. He said that “capital requirements will be linked in a surgical fashion to household indebtedness and housing prices. OSFI plans to introduce a floor for the measures of their Loss-Given-Default parameters in major bank regulatory capital calculations, and this floor will vary over time depending on the behaviour of housing prices over time, relative to household income, and the region.

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Royal LePage Expects “Pace of House Price Inflation in Toronto and Vancouver to Return to Earth in 2016”

by Yvonne von Jena | January 13, 2016

Royal LePage announced its expectations for the Canadian housing market in 2016. Overall, it expects continued price increases in most markets, but not at the pace that has been the recent norm. Instead, the national real estate market is expected to slow later this year, principally due to the effects of a dampened economy in Western Canada and eroding affordability in Toronto and Vancouver.

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Canadian Housing Starts: Recent Numbers and Expectations for 2016

by Yvonne von Jena | January 12, 2016

Canadian new home construction ended 2015 with a whimper with overall Canadian housing starts falling by 18% month-over-month in December 2015 and reaching 172,965 units. On a 6-month moving average basis however, the trend in housing starts still stands at an elevated level of 203,502 units, with activity in 2015 fairly strong overall.

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StatsCan Hiring for 2016 Census, which Will Replace the Voluntary Survey

by Yvonne von Jena | January 9, 2016

The previous Harper government had eliminated the twice-a-decade mandatory census in favour of a voluntary national household survey, which many economists and statisticians believed provided lower-quality data that was not comparable with the higher-quality data from earlier censuses. The new Trudeau government undid that change in November and has remained true to its word; it is currently hiring 1,400 to work in its census operations centers set to start in the next couple of months.

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Why to Expect More Mortgage Rate Hikes

by Yvonne von Jena | January 9, 2016

Recently, three of the big 6 banks raised their mortgage rates in the past week and more increases are expected because of rising mortgage funding costs, increasing regulations and a weakening economy.

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The New Normal

by Yvonne von Jena | January 8, 2016

Canada is facing a long and painful fallout from a “seismic shift” in global resource prices that could last up to five years and drain $50-billion a year from the economy says the Bank of Canada Governor Stephen Poloz. Further, Canadians will have to live with a cheaper dollar, higher-priced imported goods and bumpy growth across the country.

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