Perspectives

• Unpacking the latest interest rate cut as tariff situation escalates

  The Bank of Canada has announced it has cut its policy interest rate by 25 basis points, bringing it down to 2.75% amid looming threats and what the central bank called “pervasive uncertainty”. Scotiabank’s Chief Economist Jean-François Perrault returns to the podcast to help unpack the announcement, how the uncertainty alone may be impacting Canadians, the outlook for Canada’s economy, and much more.   For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures  Key moments this episode:  1:35 - JF’s main takeaway from the Bank of Canada’s decision to cut its policy rate  2:27 - Did the central bank make the right decision?  2:28 - Where are we at in terms of inflation in Canada?   7:17 - Could the tariff measures implemented to date and the uncertainty alone push us into recession?  10:02 - JF’s thoughts on rate cut decisions for the rest of the year  11:07 - What are the chances of an interest rate increase at this point?  11:53 - What JF has to say to Canadians who may be worried  12:39 - JF’s main takeaways from the Bank of Canada’s interest rate decision

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• Navigating the markets in a world of tariffs

  Severe U.S. tariffs were imposed on Canada and Mexico this week, and the situation continues to evolve by the hour. Regardless of how long they last or if some sort of compromise is found, many Canadians are worried about the potential impact on their portfolios. Here to help us make sense of all this market uncertainty is Andy Nasr, Chief Investment Officer at Scotiabank Global Wealth Management.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:50 – Giving some historical perspective around how the U.S. tariffs compare to other recent economic crises  7:04 – What Andy is hearing from clients and investors vs. the reality of the situation  12:45 – What Andy would tell the average investor in terms of how to navigate the current situation and why time-tested investing principles still apply  16:44 – Why a little perspective may help investors during this unusual time

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• 8 simple tips to protect yourself from the latest scams

  March is Fraud Prevention Month and Tammy McKinnon, Scotiabank’s Senior Vice President of Global Fraud Management is back to bring us up to speed on the latest scams and has eight simple tips for how to avoid falling victim.    For more fraud prevention resources, check out Scotiabank’s Cybersecurity and Fraud Hub.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  0:01 – What is ‘pig butchering’ and how did it become the most costly online scam of 2024?  1:54 – What about demographics? Are certain groups the target of scams?  2:21 – Breaking down the latest scams: what is quishing?  3:39 – Ticket sales scams  4:37 – What is ‘loyalty fraud’?  5:31 – Fraud prevention tip #1: create a code word  7:37 – Fraud prevention tip #2: beware of deepfakes  10:05 – Fraud prevention tip #3: slow down  11:46 – Fraud prevention tip #4: limit what you share on social media  13:05 – Fraud prevention tip #5: if it sounds too good to be true, it probably is  13:51 – Fraud prevention tip #6: always verify the people contacting you  15:04 – Fraud prevention tip #7: monitor your accounts  16:54 – Fraud prevention tip #8: educate yourself

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• Real estate update: Why the market is likely to heat up this spring

  Despite general economic uncertainty, there’s reason to be optimistic about Canada’s housing market. Tracy Gomes, Senior Vice President of Real Estate Secured Lending at Scotiabank and Scotiabank Chief Economist, Jean-François Perrault join us to give the lay of the land ahead of what is shaping up to be a strong spring real estate season.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:22 – JF and Tracy give us a quick summary of the current real estate market  2:20 – Breaking down the new buyer-friendly regulations that recently came into effect  6:37 – Why things are looking optimistic for the spring real estate market  9:13 – Do changes in immigration policy have any effect on housing demand?  10:10 – Tracy tells us what the sentiment is from folks on the ground in the housing market  11:22 – Why developers aren’t necessarily optimistic right now  12:36 – Will prices be increasing this fall?  13:50 – Where Canada is at in terms of construction of new housing (including condos)  15:29 – The number one question on mortgage clients’ minds right now  18:45 – Why tariff uncertainty could be both good and bad news for mortgage holders and would-be buyers  21:00 – What should people who are looking to buy a house this spring be asking themselves?

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• How to talk to your partner about money

  Finances aren’t the most romantic conversation starter. But it's a talk that has to happen sooner or later in every relationship. And according to our guest, learning to have productive discussions about money can help you have healthier conversations in other aspects as a couple. So, life transitions expert, speaker, coach and consultant for Scotiabank and The Scotiabank Women Initiative Dr. Amy D’Aprix is back with some practical advice on how to talk to your partner about money.  There is a lot to consider when planning for your future. Discover Scotia Wealth Management’s Total Wealth Planning process and how it can benefit you. Learn More at https://www.scotiawealthmanagement.com/ca/en/about-us.html  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures  Key moments this episode:  1:58 – The top issues Amy hears about from couples when it comes to talking about money  3:46 – Why the ‘sandwich generation’ may have an especially hard time talking about money with their partners  5:42 – How to start a conversation around early inheritance   8:00 – Some strategies for having productive conversations around money with a partner  11:41 – When money conversations tend to happen in a relationship (and why it might be too late)  12:37 – Why having productive money conversations can help other aspects of a relationship  13:31 – How to handle things when partners have differing approaches to money  15:03 – A trick from the Harvard Negotiation Project can help make a big difference in couples agreeing on finances  16:55 – Is having just one person handle the finances in a relationship okay?  21:17 – What conversations should couples have before they move in together?  22:41 – One thing you should never say to your partner when it comes to money  23:40 – Why conversations about money aren't really about money

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