Make Money Count

Rate Cuts Delayed Again — Here’s the Real Reason!

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 groceries to clothing.
Stagflation Warning: What stagflation (inflation without growth) means for Canada's economy.
No Quick Fixes: Why you shouldn't expect significant rate cuts or a housing market boom anytime soon.
Get the real scoop on why rates are stuck and what to expect for 2025 and beyond!

Globe and Mail Bombshell: Banks Are Driven by Profits!

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 your local branch.
- What’s really behind those “share classes”?
- Why bank stocks are still up—despite being called out
- And what you should be doing instead
Don’t miss this eye-opening conversation.

Are Mortgage Payments Really Dropping?!

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 push your amortization or tap into equity to lower payments?
✅ Why banks won’t tell you the full truth—and what to do about it.
 
Plus, we talk trade tensions, inflation, stagflation, and how it all ties into your next mortgage rate. Is now the time to go variable? What your bank doesn’t want you to know at renewal time

Is Canada Folding to Trump Again?

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
The fallout of Canada’s digital sales tax
What Mark Carney is trying to fix — and what he’s not
How long can Canada wait before things collapse?
Insightful, bold, and brutally honest, this episode is a must-watch for anyone trying to understand what’s really at stake for Canadian businesses and families.
 

Mid-Year Market Check: Did We Predict Anything Right?

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 affordability real or just a temporary blip?
👉 And what’s the real impact of trade tension with the U.S.?
Find out who was the MOST wrong and why making predictions in this market is a total gamble.
🎧 Watch, laugh, and learn — because no one really knows what’s coming next.

Top Credit Mistakes Canadians Are Making Right Now

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, how to fix your credit fast, and why now might be a great time to refinance your mortgage if you play your cards right.

Banks Are Hiding GIC Profits from 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 GIC deposit brokers can help you earn more
What net interest margins (NIMs) have to do with YOUR savings
And how to start playing smarter with your money
Whether you're a cautious saver or a curious investor, this episode is packed with insights that can help you take back control of your financial future.

Banks Profit $1,500 per Canadian!

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 fight back.
Don't let your bank take advantage of you.
📞 If you're thinking of renewing or refinancing, talk to Cannect first: https://cannect.ca

Will Canada Cut Interest Rates in July?

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 confidence, we explore the economic issues that may force the Bank of Canada's hand.

Will Canadians be affected by the U.S. Fed's hesitation?

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 for you as a homeowner, investor, or everyday Canadian.
Topics Covered:
Why inflation is rising even as growth slows
How tariffs are driving prices up
What stagflation means—and why it's so dangerous
Why Canada might benefit from a weak job market
How politics and uncertainty are disrupting central banks
Should you switch to a variable-rate mortgage?
The economy is shifting fast. Stay informed. Stay prepared.

Why Are Investors Rushing Into Real Estate Now?

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 could be your next big opportunity.
Don’t wait for the market to recover, be the one who buys while everyone else hesitates.

BoC Playing It Safe Again?

📢 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 financial decisions with Cannect.

What’s Really Holding Back Rate Cuts?

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.

Toronto Housing: Are We Nearing a Crash or a Comeback?

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, or wait it out?
🚪 What happens when immigration slows and pre-construction deals start collapsing?
Tune in for no-fluff insights from the Cannect team, where we prioritize facts over fear.

Don’t Let Your Bank Trick You at Renewal Time!

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 lenders
At Cannect, we simplify the process. No sales pitch. Just honest advice, technology that makes it easier, and customized options laid out side-by-side so you can make the smartest move.

Mortgage Renewal TRICKS Banks Don't Want You To Know!

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 employee ✔️ The smartest way to handle your mortgage in 2025
Thinking of switching from fixed to variable? Facing a renewal in the next 6–18 months? This video could save you thousands.
Get honest advice, learn from real scenarios, and don’t let the system take advantage of you.

Why Didn’t the Bank of Canada Cut Rates?

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 are likely, and the smart money is on flexibility. Watch to hear our full strategy—and maybe place a bet with us on the next rate cut.

Is Your Mortgage About to Get CHEAPER?

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, homeowners, and real estate investors?
- Are mortgage rates going down for good?
- Will this boost Canada’s cooling housing market?
- Should you go fixed or variable right now?

The People Behind Trump’s Tariffs

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?

Poilievre vs Carney: Who’ll Fix Canada?

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 economic strategy ✅ What borrowers, businesses, and investors should watch for next
Is Canada heading toward growth, or are we stuck in political and economic limbo?