Author: Robert Jessi

Cash flow is the foundation of every financial decision you make. If you don’t have a clear understanding of where your money is going, it’s difficult to save consistently, invest confidently, or prepare for unexpected expenses. The good news? Improving your cash flow doesn’t have to mean cutting out everything you enjoy or sticking to a rigid budget. Instead, it starts with creating a simple system that makes managing your money easier. Traditional budgeting doesn’t work for everyone The term “budget” is often associated with restrictions and what you can’t have, like how many people view the term “diet”. That…

ICL Q2 2026 slides: strong results mask rising cost pressures

 Canadian monetary policy is currently characterized by a deliberate pause, with the Bank of Canada maintaining its policy rate at 2.25% on June 10 as it navigates a complex macroeconomic backdrop. Policymakers assess that the current stance is appropriately calibrated to balance competing forces within the economy, including a weaker growth environment evidenced by a modest contraction in GDP in the first quarter of 2026 and persistent excess supply, alongside inflation dynamics in which headline inflation has been temporarily elevated by energy prices while underlying core measures remain contained in their trend.As illustrated in Figure 1, Canadian bond markets continue…

BNY’s Geoff Yu notes Brazilian portfolio inflows are near post-COVID highs ahead of the Selic decision, with strong demand for equities and government bonds. He highlights that FX conviction is limited as volumes are low and currency positioning neutral, while iFlow data suggest the broader inflow cycle peaked in April and the financial account is likely to stabilize rather than re-accelerate.Flows strong but FX conviction cautious”BRL flows are recovering ahead of today’s Selic rate decision, supported by renewed terms of trade interest, strong equity demand and continued purchases of Brazilian government bonds. Conviction remains limited, however, because FX volumes are…

Brown Brothers Harriman’s (BBH) Elias Haddad notes the New Zealand Dollar and local yields slumped after strong Q2 employment and wage gains were offset by rising labor supply and higher unemployment. Despite evident slack, Haddad argues NZD can still edge higher, supported by above-target inflation, a relatively favorable growth outlook, and expectations for further Reserve Bank of New Zealand tightening.Strong jobs data fail to erase labor slack”NZD and NZ yields slump. New Zealand’s solid Q2 job and wage growth mask ongoing labor market slack. Employment surged 0.5% q/q vs. 0.1% in Q1, well above consensus and RBNZ projection of 0.1%,…

Summary:USD/CAD is rising again as oil price decline adds pressure on the loonie, but there’s much more that could define its trajectory. The USD/CAD has been going up for the last three days, getting close to the 1.4050–1.4065 range again. The main reason the Canadian dollar weakened recently was a big drop in global oil prices, but the connection between the US and Canadian economies is about more than just energy. What Is Driving USD/CAD Momentum? As a major net exporter of crude oil, Canada’s currency is heavily tied to global energy benchmarks. With West Texas Intermediate (WTI) and Brent…

Over the last few sessions, the USD/CAD has seen a slight appreciation of nearly 0.3% in favor of the US dollar. However, beyond this mild bias, the broader chart picture reflects a prolonged …

Being a parent, I was fascinated—so I did the polite thing and kept listening in as discreetly as possible. As they named different communities and speculated about who lived there, I noticed one defining factor doing all the work in their determinations: the homes. “Yeah, that area probably has younger families because there are mostly townhomes.” “Older kids, possibly in high school, in that area because the homes are mostly single-family detached homes.” I desperately wanted to interrupt them. Recognizing that inserting myself into two strangers’ conversation probably wasn’t the polite thing to do, I decided to write an article…

Japan’s services sector growth slows in July on weak demand, PMI shows

The euro traded 1.1505 through the European session on Tuesday and ticked to 1.1510, an 0.01% gain from the prior settlement that leaves effectively unchanged for a third consecutive session. Over the past month the single currency has strengthened 0.60% against the dollar. Over twelve months it is down 0.59%. Those two figures describe a pair that has gone precisely nowhere in a year while producing enormous intraday noise along the way. The 1.1510 handle has become the operative pivot. Above it the structure reads neutral rather than bullish; below it the tactical bias flips back toward the mid-1.14s. Monday’s…