Gerardo's Advice for Life

December 2nd, 2022 by Gerardo Cappelli

child on parents shoulder walking outside in a Christmas market

Holiday Shopping has a different problem this year than last

Last year, the issue was lack of supply because of supply chain issues but people had higher wages and jobs and wanted to spend.  This year, there is excess inventory, so perhaps more discounts but with inflation, consumers are not comfortable to spend as much.

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Asset Allocation December - Slippery Road Ahead

Doesn't the title say it all? With inflation slowing, 2023 should see the Fed ease the pace of rate hikes and then pause in restrictive territory before summer.  This would suggest a period of economic stagnation with high risks of recession.  However, at the risk of repeating myself, for those who are invested for the longer term, we need to stay nimble and stay the course 

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Is paying down my mortgage faster a good idea?

Paying down your mortgage faster definitely brings piece of mind and you end up paying less interest, but are there other things to consider before deciding to accelerate your payments.


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Email Security - Is your Inbox well protected

Recently, we have had a few clients tell us that their email accounts have been compromised.  We are trained to look for suspicious emails and will always call you if something doesn't look right. Take a look at this article for a few things you can do to protect yourself.





Ontario's Holiday and Santa train rides

When my boys were little, they loved trains and Santa, but were not interested in sitting on Santa's lap in the mail.  This was a great way for them to see Santa with no pressure,  and enjoy a train ride!


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Warm Up Winter in Luxurious Ontario Spas

We recently had a spa pool put in our backyard.  I was surprised how much I love sitting in warm water when it is cold outside!  Here are some Ontario spas that have beautiful pools.  Some have pools outside but for those that still prefer it warmer, others have indoor only pools.

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National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).

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