From: Jeremy M. Kronick and Nikki Hui To: Federal, Provincial, and Municipal Policymakers Date: July 11, 2018 Re: Housing Supply Is the Fix to High Household Debt Canadians often get flagged for sitting on mountains of household debt, and being in danger of facing a reckoning if interest rates rise, or worse, if a recession hits. Largely, this is measured […]
From: Benjamin Dachis To: Ontario’s New Government CC: Municipal governments across the province Date: June 15, 2018 Re: The Startling Costs of Regulation in Housing Prices The cost of housing has been going through the roof in many parts of Canada. But even as governments have focused on curtailing demand, supply constraints are the more […]
From: Jeremy M. Kronick To: Canada’s Financial Regulators and Policymakers Date: June 7, 2018 Re: Open Banking: Here’s Why Its Time Has Come Senators, insurers and banks are embroiled in a dustup over giving more power to banks to sell customer data to third parties. Even the privacy commissioner weighed in with concerns about the proposed changes to the […]
From: Jeremy Kronick and Nikki Hui To: Concerned Canadians Date: May 22, 2018 Re: Corporate Debt: The Next Financial Crisis Coming to Canada? “Where will the next crisis occur?” The Economist recently asked with one of its typically attention–grabbing headlines. The article’s basic premise was that, despite high levels of corporate debt, investors continue to […]
Barriers to increasing housing supply, many stemming from excessive regulation, are driving up the price of homes in Canadian cities by six figures, finds a new report from the C.D. Howe Institute. In “Through the Roof: The High Cost of Barriers to Building New Housing in Canadian Municipalities” authors Benjamin Dachis and Vincent Thivierge calculate […]
Malgré les données démontrant la valeur des vaccins, les taux de vaccination chez les adultes canadiens sont dangereusement bas. Cette vidéo examine les causes profondes de la sous-vaccination chez les adultes, ainsi que certaines des solutions qui aideront à améliorer la santé des Canadiens tout en atténuant les défis économiques associés au vieillissement de la population.
Despite clinical evidence showing the value of immunization, vaccination rates among adult Canadians are dangerously low. This video looks at some of the root causes of under vaccination among adults, as well as some of recommended solutions that will help improve the health of Canadians while mitigating the economic challenges associated with an aging society.
From: Jeremy M. Kronick To: Canada’s Financial Regulators and Policymakers Date: April 11, 2018 Re: Unleashing Productivity Gains in Financial Services Productivity improvement is considered the primary driver of economic growth in advanced countries because labour and capital are finite and generate diminishing returns as their utilization increases. The key role the financial services sector plays in Canadian economic […]
Canada’s financial institutions are key to solving the country’s productivity problem, according to a new report from the C.D. Howe Institute. In “Productivity and the Financial Sector – What’s Missing?” author Jeremy Kronick argues that rules and regulations governing the financial sector need to be modernized to promote innovation and productivity among banks, credit unions, […]
From: Michael K. Feldman To: Mortgage Policymakers Date: March 13, 2018 Re: The Many Benefits of Longer Mortgages Canadian residential mortgages could be improved if borrowers continue to have a penalty-free right of redemption at least every five years without requiring that the mortgage matures at least every five years. As I outline in my recent commentary […]
Longer mortgages would benefit homebuyers and increase competition in the mortgage market, according to a new report from the C.D. Howe Institute. In “The Case for Longer Mortgages: Addressing the Mismatch between Term and Amortization” author Michael Feldman proposes a solution that would expand consumer choice, facilitate a private securitization market and reduce government mortgage […]
From: William B.P. Robson, Jeremy M. Kronick, and Nikki Hui To: Worried Canadian Stock Market Watchers Date: February 12, 2018 Re: The durability of the current expansion A slumping stock market – the S&P/TSX index was down 10 percent from its January high mid-Friday – has prompted concerns about the broader economy. People associate ups […]
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