Entries by Warren Baldwin, Regional Vice President, CFP, R.F.P, CIM

Debt and Savings

Savings has been described as consumption deflected. Of course, savings is what you don’t spend on consumption of either services or products. Canadians used to be terrific savers, however within the last few decades our savings levels have plummeted while levels of debt have now almost never been higher. Downward trending interest rates over the […]