Make Money Count

In this episode of Make Money Count, Marcus and Justin discuss the Bank of Canada’s latest reports and what they say about Canada’s economic health. Business sentiment? Still shaky. Job security? People are worried. Consumer spending? Slowing fast. With inflation staying sticky and interest rates stuck in place, we might be headed straight into stagflation—and the BoC seems to be out of options....

Why are Canadian interest rates stuck? On this Make Money Count episode, Marcus & Justin break down the latest CPI numbers and explain why the Bank of Canada isn't cutting rates soon – and what it means for your wallet. We cover: Stubborn Core Inflation: Even with overall CPI cooling, core inflation is still too high. The Tariff Impact: How tariffs are driving up prices on everything from groc...

Are Canadian banks giving you biased financial advice? In this episode of Make Money Count, Marcus & Justin break down a recent Globe and Mail article that reveals how big banks are pressuring their advisors to meet sales targets, often at your expense. From mutual funds with hidden commissions to GICs and mortgage negotiations, this episode uncovers the truth behind the polished smiles at you...

TD Bank’s latest report says mortgage payments are dropping, but is it really good news? In this episode of Make Money Count, Marcus and Justin break down what’s happening in the Canadian mortgage market. ✅ Why are payments down even with high interest rates? ✅ What does a 57% rise in Toronto delinquencies mean? ✅ Are you part of the 40% of Canadians who’ll feel the pain at renewal? ✅ Can you...

In this week’s episode of Make Money Count, Marcus and Justin break down the growing trade tensions between Canada and the U.S. From Trump’s unpredictable tactics at the G7 to the looming threat of tariffs, this episode explores how Canada’s economy and over 500,000 jobs could be impacted. Topics covered: Trump’s negotiation style: strategy or chaos? Why the U.S. doesn’t want Canadian cars anymore...

In this episode of Make Money Count, Marcus and Justin revisit their bold 2024 predictions for detached homes, semis, townhouses, and condos... and compare them to what actually happened. They also break down the latest housing reports from RBC, TD, and Oxford Economics, who each have wildly different takes on where the market is heading next. 👉 Are prices going up or crashing down? 👉 Is afforda...

In this episode of Make Money Count, Marcus and Justin dive into the latest Equifax report that shows credit delinquencies have hit their highest levels since 2009. Did you know 1 in 22 Canadians missed a payment in Q1 2024? Mortgage delinquencies are up 71% year over year. Cities like Toronto and Ottawa are seeing double-digit spikes in missed payments. We break it all down—what it means for you,...

Are you settling for low returns on your GICs just because your bank said it’s the “best rate”? Think again. In this episode of Make Money Count, we’re diving deep into Guaranteed Investment Certificates (GICs) and exposing how Canada’s big banks are holding back, sometimes up to 1% less than what you could be earning elsewhere. Find out: Why banks offer lower GIC rates than other providers How GI...

Your bank is making THOUSANDS off of you every year, and you probably don’t even know it. In this episode of Make Money Count, Marcus & Justin break down how Canadian banks use Net Interest Margins (NIMs), penalties, and hidden fees to quietly pull $60+ billion in profit from everyday Canadians like you. This episode pulls back the curtain on the banking industry and gives you the tools to fig...

Will the Bank of Canada Cut Rates on July 30th? CPI is down, the economy is hurting, and the real estate market is stalling, but core inflation is still sticky. In this episode of Make Money Count, Marcus breaks down what the latest numbers mean and why a 25bps rate cut could be the signal Canadians need right now. From rising unemployment to canceled real estate listings and low consumer confiden...

The Federal Reserve just released its latest economic forecast—and it's not pretty. In this episode of Make Money Count, Marcus & Justin break down what the Fed's latest report means for inflation, interest rates, and your finances. From stagflation concerns in the U.S. to the surprising advantages of Canada's weakening labor market, we explore the global economic landscape and what it means f...

In this episode of Make Money Count, we reveal 2 powerful real estate strategies that are helping investors thrive in today’s uncertain market. 🏡 Strategy 1: Flipping single-family homes under CMHC’s new $1.5M cap. 🏢 Strategy 2: Bulk buying condos at fire-sale prices from desperate developers. Whether you’re looking to invest, flip, or buy smart, these tactics are working right now, and they cou...

📢 Bank of Canada Holds Rates – What It Means for You The BoC held steady today, with no rate cuts—yet. In this video, Marcus breaks down what led to the decision, how inflation and unemployment influence policy, and why a variable-rate mortgage might still be your smartest move in today’s economy. 📉 Expect cuts ahead? 🏡 Thinking about a mortgage? Tune in to stay informed and make smarter financ...

Canada’s inflation rate just dropped to 1.7% — way below the Bank of Canada’s 2% target. So… why are we still waiting for rate cuts? In this episode of Make Money Count, Marcus & Justin break down why the BoC is hesitant to cut, what this means for homeowners and investors, and what smart mortgage moves you should be considering right now.

In this episode, Marcus & Justin break down the data, trends, and real-world impact of the dramatic increase in inventory, slowing buyer demand, and falling condo prices. From over 30,000 active listings to investors dumping units at below build cost, we uncover what’s going on behind the headlines. 📉 Are we heading for a crash, or is this just a long-overdue correction? 🏘️ Should you buy now...

Are you renewing your mortgage this year with an alternative lender like Home Trust or Community Trust? Don’t just accept their first offer—you may have better options. In this video, we break down what you should consider if: You’re self-employed and hate paperwork You want to borrow more for a renovation You’re worried about higher rates You’re unsure whether to refinance, renew, or switch lende...

Mortgage renewal coming up? WATCH THIS FIRST. In this episode of Make Money Count, Marcus and Justin, both currently going through their mortgage renewals, share exactly what you need to know before signing that offer from your bank. They break down:  ✔️ Why banks don't always have your back ✔️ How penalties really work ✔️ What to ask before renewing ✔️ Why you need a real advocate, not a bank emp...

The Bank of Canada held steady—no rate cut in April. So what now? In this episode of Make Money Count, we break down: What the Bank of Canada said and what they really meant Why March CPI numbers matter more than you think How bond yields are guiding fixed-rate mortgages And—most importantly—whether you should lock into a fixed or stick with a variable. We’re still pro-variable. June and July cuts...

In this week’s episode, Marcus breaks down how new U.S. tariffs — yes, even the science fair-style ones — are impacting mortgage rates here in Canada. With five-year bond yields dropping, we’re seeing some of the most competitive fixed mortgage rates in recent memory. But with a possible Bank of Canada rate cut on April 16 and stagflation creeping in, what does it all mean for homebuyers, homeowne...

Welcome to another episode of Make Money Count! This week, we're pulling back the curtain on Trump's trade policies—and it’s not just Trump calling the shots. Who's really influencing America's economic strategy?

Canada just got a new Prime Minister, but what does that mean for your finances, mortgage rates, and the country's economic future? In this episode of Make Money Count, Marcus & Justin dive into:  ✅ How the leadership change might affect mortgage rates ✅ Pierre Poilievre’s growing popularity (and possible pitfalls) ✅ Canada's missed opportunities in trade, intellectual property, and economi...

The Prime Rate Drops—But at What Cost?  Canada’s prime rate just dropped by 25 basis points, and while that sounds like great news for borrowers, there’s more to the story. Tariff disputes, market instability, and new U.S. travel restrictions for Canadians could shake things up. What does this mean for real estate? Will lower rates boost the economy? How do trade tensions impact your investments?

Interest rates in Canada are falling faster than expected, but will this be enough to revive the real estate market? In this episode, we break down: Toronto & Canadian Real Estate: The sales-to-new listings ratio is at 33%, active listings are up 76% YoY, and prices are dipping slightly. Are we officially in a buyer’s market? Falling Interest Rates: BMO & RBC predict deeper rate cuts—what...

Major Economic Changes Ahead! What Does It Mean for You? From Trump’s proposed tariffs to Canada’s Liberal leadership race, big shifts are happening that could impact your investments, mortgage rates, and cost of living. In this video, we break down: Trump’s Tariffs: How a 25% import tax could shake Canada’s economy. Liberal Leadership Race: What new policies could mean for housing and mortgages....

Will the Bank of Canada finally cut interest rates? The latest Consumer Price Index (CPI) numbers are out, and they could be signaling a major shift in the mortgage market. In this episode, we break down: What does the new CPI data mean for inflation and interest rates How homeowners, buyers, and investors should react Whether now is the time to lock in a mortgage or wait for lower rates If you're...