Most Canadians who die without a will have one thing in common: they planned to write one eventually. The gap between intention and execution isn't laziness. It's the assumption that "eventually" is still years away. It isn't always. And when a death
The Canadian Association of MortgageLenders and Administrators just dropped a 28-page brief telling OSFI and Finance Canada to stop treating every non-bank mortgage lender like they're the same animal. They aren't. At stake is how Ottawa regulates the roughly $300 billion slice of the
Apollo Global Management bought Michaels in 2021 for $5 billion, right when craft retail looked like a closing chapter. Hobby Lobby was the privately held juggernaut. Jo-Ann Fabrics was limping. Michaels itself had been public, then private, then public again, carrying a balance sheet that reflected every bad decision
The architect John Black Lee spent three years at Taliesin, Frank Lloyd Wright's Wisconsin workshop, before returning to Toronto in the 1950s. 2 Ledge Road is what came of that apprenticeship. Listed at $1,999,999, the home sits on a half-acre ravine lot in Cliffcrest, a
You earn $140,000, your credit score sits at 790, and you've saved a 25% down payment. The pre-approval letter arrived weeks ago. Then the strata document review comes back, and your lender walks. The building's contingency reserve sits at $82,000 for a 47-
RBC's latest poll landed last month with a finding that sounds obvious but cuts deeper than it looks. Roughly 60% of Canadians now believe there is no good time to buy a house. Not "the timing is difficult." Not "conditions are challenging." No good
Two years ago, Nick Arsenault sat beside his 24-year-old son on a routine transfer run from Prince Edward Island to a New Brunswick hospital. Tuesday morning, Arsenault was driving the same route when a transport truck crossed the center line on Route 16 near Kouchibouguac National Park. He
Jefferies Securities cut its rating on Canadian financials to underweight this week, citing valuations that now reflect a best-case scenario already achieved. The call came after the Big Six banks rallied 66% from their October 2023 lows, pushing price-to-earnings multiples above their ten-year averages for the
TSX listings hit $2.4 billion in the first half of 2024, triple the volume from the same period a year earlier. That figure alone would qualify as a recovery. What happened next makes it a trend. Corporate debt issuance followed equity out of the freezer. Investment-grade bond offerings
Louai Bibi built his hypothetical clients from memory. A Syrian refugee couple in their early forties, one working in healthcare, the other starting a small business. Three children in different stages of schooling. A grandmother joining them from overseas. Assets that included TFSA room, new RRSP contribution history, and a
A Schedule 1 bank that has spent 30 years funding self-employed borrowers and new immigrants through mortgage brokers just launched a savings app you can download from the App Store. That shift sounds incremental. It is not. Haventree Bank rolled out a direct-to-consumer deposit platform in 2026,
Jenna and Marco had their offer accepted on a townhouse in Langford on March 14, 2024. The place was $785,000, they had 15% down, and their mortgage broker had pre-approved them at $3,680 a month. The closing date was May 22. Jenna's 2011 Corolla died