Editorial & Insights

Life in Canada is often built around access to credit. Credit cards, lines of credit, personal loans, car financing, mortgages and business loans can all be useful tools when debt is under control. But when prices rise faster than income, interest rates put pressure on the family budget, and minimum payments become an endless circle with no exit, credit stops being a convenience and becomes a problem. According to Statistics Canada, by the end of 2025 Canadian households carried about $1.77 in credit market debt for every dollar of disposable income. This is not just a statistic - it is the reality in which many families live under constant financial strain.

Variable-rate mortgage holders have something to celebrate - on Wednesday, January 26, the Bank of Canada surprised markets by holding its key interest rate at 0.25%, though it did stress that interest rates will gradually rise going forward. The central bank chose not to raise rates despite climbing inflation and a stronger-than-expected economic recovery. Ahead of the Bank's meeting, Bloomberg data showed roughly a 70% probability of a rate hike in January.

The BMW iX M60 became the first BMW M model developed from the outset as an electric vehicle. It is the most powerful and dynamic version of the BMW iX technology flagship — a vehicle in which electric mobility, premium comfort and a sporting character are brought together in one concept.

Canadian real estate market no longer follows a simple story of uninterrupted growth. After a period of record-low interest rates, intense buyer demand, and rapid price gains, the country moved through a sharp tightening cycle, slower sales, and a serious reassessment of risk. Yet the central question for buyers, investors, and renters remains the same: is real estate in Canadas major cities still a reliable long-term asset, or has the market entered a more cautious and selective phase?

The Mercedes-Benz EQE arrived at the moment when the premium automotive world could no longer treat electric cars as an experiment. After the flagship EQS, the Mercedes-EQ brand introduced a more compact, more athletic and more focused electric business sedan - a car designed to carry the philosophy of the E-Class into a new electric architecture. The EQE was not simply another familiar sedan with a battery in place of an engine. It was created on a platform developed specifically for electric vehicles, which is why it feels like a model of a new era rather than a compromise between past and future.

We take an extremely careful approach to selecting projects for our clients, and we choose only those located in areas where we expect a sharp rise in prices in the near term. When selecting a project for investment, we don't rely on overall market appreciation - the primary driver of price growth in the projects we select is the coming, substantial appreciation of the neighborhood itself, the area where the condominium will be built. There are many factors that influence how prices shift in a given area, and we study and analyze them carefully; when we conclude that prices there are bound to rise, we begin working with that project.

A recent CIBC survey revealed an interesting trend: despite noticeably higher prices, Canadians aren't just continuing to invest in real estate, the share of investors relative to primary-home buyers has actually risen over the course of the pandemic. Today, 25 percent of all property purchased in Ontario isn't being bought as a primary residence, and in many cases, the investors behind these purchases are people just like your neighbours and relatives, people with kids and grandkids of their own.

Over the last week of September, the bond market jumped sharply, and the five-year bond yield has now climbed above 1% (back in the spring, it stood at just 0.4%). Does this mean historically low fixed rates will soon be a thing of the past?

We always keep a close eye on the best opportunities in the pre-construction market, constantly monitoring different areas of Toronto and staying on top of the infrastructure projects the city has planned and how any given neighbourhood is set to develop, since that's the single most important factor affecting the returns our clients earn on their investments. On top of that, we also keep a close watch on what's happening in other Canadian cities.

Honduras: Maya cities beneath the jungle, a pirate archipelago, a people born from two continents - and why more travelers are flying here every year.

As many of us know, Canada is holding a snap election on September 20, called by Prime Minister Trudeau in hopes of capitalizing on a relative lull between pandemic waves and securing a parliamentary majority. One of the central non-pandemic issues has become housing affordability, which has seen sharp price growth over the past year.

The BMW CE 04 is not simply an electric scooter. It is BMW Motorradы attempt to redefine urban mobility. It is built for the metropolis, where quick acceleration from a traffic light, compactness, zero local emissions, digital services and design that looks like a statement rather than a compromise all matter. With the BMW CE 04, BMW Motorrad continues its electric mobility strategy for the city, combining an electric drive system, futuristic styling and technologies familiar from modern BMW automobiles.

I want to tell you about a great new investment project we'll be launching for sale in the second half of August, but first, a few words about the condo market overall. The condo market has fully recovered from the 2020 downturn - prices started climbing back in February this year, and over the first 7 months of 2021, prices rose by an average of 12%. All of the excess inventory that had built up on the resale market at the end of last year has now been fully sold off. Rental rates are also quickly clawing back last year's decline. They're still somewhat below what we saw before the pandemic, but with the border fully reopening in September and a huge wave of people set to arrive in Toronto, I have no doubt rental prices will not only reach their previous peak in the near future, but move past it. I don't see any indicators suggesting that price growth for condos will even level off in the foreseeable future.

The BMW i4 became one of the brand’s most important electric vehicles because it made electric performance understandable for BMW’s traditional audience. It is not a futuristic experiment for the sake of design, and not a show concept built only to attract attention. It is a true Gran Coupe with the signature BMW seating position, sporting handling, a practical luggage compartment, a premium interior and an electric powertrain that translates familiar BMW character into a new format.

Muskoka has always been more than just a summer destination for residents of the GTA. It is a symbol of northern Ontario, cottage country, quiet luxury, lakes, forest, golf, boats and the rare possibility of feeling far away from the city while remaining only about 90 minutes from Toronto. That is why projects in Muskoka should not be viewed as ordinary new developments, but as a separate class of real estate: lifestyle, investment, leisure and rental income can come together in one formula.

This month, our wonderful Canada celebrates its 154th birthday! Restrictions from the third wave of the coronavirus are gradually being lifted, and step by step, we're returning to normal life. Against the backdrop of prolonged restrictions and lockdowns easing, Canadian spending is on the rise, as household savings have grown significantly. This is exactly why investors expect the next tightening cycle from the Bank of Canada, expected to begin in 2022, to push interest rates above the previous cycle's peak for the first time in decades.

Sometimes the market offers not just a new home, but an entirely different way of living. Not another dense suburban subdivision, not a compromise between lot size and distance from the city, but a rare opportunity to live among forest, space and quiet while remaining connected to infrastructure, work, family and Toronto. That is exactly what Eagles Rest Estates appears to offer - a new community of detached homes in the Horseshoe Valley area, near Barrie.

The Mercedes-Benz EQS became one of those cars that matter not only as a product, but as a sign of a changing era. It is not simply an electric version of the S-Class, and not an attempt to replace the combustion engine with a battery inside a familiar body. The EQS was conceived as a separate architecture of luxury: quiet, aerodynamically refined, digital and almost seamless. With it, Mercedes-Benz tried to answer the central question of the premium segment: what should a large executive car look like when its future is no longer built around a gasoline engine?

As the first classic model series from Mercedes-Benz, the new C-Class is electrified throughout thanks to plug-in hybrids and mild hybrids with 48-volt technology and integrated starter-generator. Due to a high-efficiency battery system, it achieves an electric range of about 100 kilometres (WLTP) as a plug-in hybrid. That is unprecedented in this category to date. It also sets standards with respect to sustainability. And because the C-Class is one of the companys highest-volume model series, this systematic electrification has a correspondingly strong effect on our carbon footprint. Other technical refinements include optional features such as DIGITAL LIGHT and rear-axle steering.

Curaçao: the island where an orange became a liqueur, Sephardic Jews founded the oldest synagogue in the Americas, and a governor banned the color white.

The BMW iX was never meant to be just another electric SUV from BMW Group. It was a statement about the future of the brand. This is a vehicle in which the company tried to redefine its own understanding of luxury, sustainability, digital technology and driving pleasure. Created from the outset as an electric vehicle, the BMW iX reimagined the Sports Activity Vehicle concept and showed what a large premium automobile could become in the age of electric mobility.

Today I want to talk about the economic downturn caused by the coronavirus pandemic, and how real estate investors can genuinely profit from it. The economic crisis created by the pandemic has swept across every country in the world, and Canada is weathering it with the smallest losses of any developed nation. What does that mean for us?

The S-Class is one of the defining symbols of Mercedes-Benz and the brands most recognizable luxury sedan. In its new generation, Mercedes-Benz aims to offer customers innovation, safety, comfort and quality at a level that once seemed unreachable. With the latest S-Class, we want to offer our customers innovation, safety, comfort and quality on a previously unattained level, - emphasized Ola Källenius, Chairman of the Board of Management of Daimler AG and Mercedes-Benz AG. The new S-Class gives us even more reason to say that we have built the best car in the world, - added Markus Schäfer, member of the Board of Management of Daimler AG and Mercedes-Benz AG responsible for research and development. In this automobile, seductive luxury is combined with maximum safety, exceptional comfort and deep technological sophistication.

According to a report from the National Bank of Canada (NBC), major Canadian urban centers became more affordable when it comes to real estate in the second quarter of 2020. These results followed two consecutive quarters of deterioration. The improvement is linked to higher incomes and, more importantly, lower interest rates.

September has come to a close, and it's typically the month that sets the tone for the entire fall season. Looking at statistics from previous years, the first half of the month is usually quiet, the market starts picking up around mid-September, and how sales play out toward the end of the month tends to be a solid indicator for the next several months. So what are we seeing this year?

Ten destinations people dream about for years - but almost never actually book. And that is a mistake.

Your first credit product in Canada is not just a plastic card in your wallet. It is the moment when the financial system begins watching how carefully you handle borrowed money. For a young person, a newcomer or anyone starting over financially, this can feel intimidating: yesterday you had no Canadian credit history, and today a few small decisions may affect the terms on which you can later get a credit card, car loan, mortgage or line of credit.

A child discovers the world through play. To an adult, it may look like simply moving blocks around, talking to a toy or endlessly building a house out of cushions. But for a young child, play is serious inner work: it develops speech, imagination, social skills, the ability to invent, choose, try and make mistakes. That is why independent play is not just a convenience for parents. It is an important stage of growing up.

Bermuda: Why the Atlantics most unusual British archipelago feels unlike anywhere else on Earth? Most people think they know where Bermuda is. Somewhere in the warm Caribbean. Between Cuba and Jamaica. Not far from Miami. None of that is actually true.

BMW Group presents an update to the MINI John Cooper Works Countryman - a car built to deliver top-tier performance on both paved roads and unpaved terrain. The model gains new exterior design elements and expanded equipment, while preserving the same maximum driving enjoyment and versatility as before.

Pretty Woman turned thirty-five in 2025, and Julia Roberts smile has not aged a day. But the film that enchanted hundreds of millions of viewers worldwide - and single-handedly revived the romantic comedy as a Hollywood genre - almost never existed in the form we know. The original screenplay was a bleak, unsparing portrait of addiction and survival on the streets of Los Angeles. The ending was tragic. The tone was grim. What became the most beloved modern Cinderella story began as something closer to a cautionary tale - and its transformation into a classic is a story almost as dramatic as the film itself.

Lingerie is the one garment layer nobody else sees, which is exactly why most people choose it worst. There is no mirror check from a friend, no fitting-room daylight, no social pressure correcting a bad decision - just a drawer full of things bought on impulse that either don't fit or don't flatter. The same logic that governs a well-chosen swimsuit or a well-cut blazer applies here just as precisely: proportion, undertone, and structure matter more than trend or price tag.

Bob Dylan is one of the rare artists whose name has long since moved beyond music. He has been the voice of a generation, a destroyer of genre boundaries, a poet of the American road, a chronicler of an anxious century and the man who proved that a song could be not only entertainment, but literature. His work changed folk, rock, country, blues and the very language of popular culture. He could irritate fans, disappear, return, change his voice, religious beliefs, sound and stage persona, but again and again he ended up at the centre of the conversation about what a modern song can be.

Luxury sports cars of the BMW 8 Series are raised to collector’s item status by means of exclusive BMW Individual design and equipment features – BMW 8 Series Coupé, Convertible and Gran Coupé available as edition models.

Why did not Marty know about Doc Browns time machine? How did John McClane realize that the man in front of him was not a frightened hostage, but Hans Gruber? And why did not Nebula warn Natasha and Hawkeye about the terrible price of the Soul Stone? Cult films have a special privilege: audiences love them so much that they spend years examining every scene, every line and every inconsistency. Sometimes these questions remain fan theories. Sometimes, years later, the writers and directors themselves step out of the shadows and explain what was really meant.

A home is not only furniture, wall colour and beautiful lighting. It is the environment in which we wake up, rest, speak, recover from difficult days and unconsciously read the mood of the space around us. This is why houseplants have such a strong effect on interiors: they add living texture, softness, colour, a sense of care and that calm atmosphere that is difficult to create with décor alone. But plants should be chosen not by superstition and not by random advice online, but by three honest criteria: safety, growing conditions and the mood the plant creates in the room.

The biggest and most versatile member of the MINI model family generates fresh stimuli for driving pleasure and individual flair in the hallmark style of the British premium brand. Precisely refined design, attractive additions to the equipment range and innovative technology in the areas of operation and networking underpin the exceptional status of the new MINI Countryman within the premium compact segment.

The first episodes of KikoRiki appeared on television in the early 2000s, and since then the round characters created by artist Salavat Shaykhinurov have become part of the childhood of millions of viewers. What began as a bold idea from a small group of enthusiasts gradually turned into one of the most recognizable brands in Russian animation. Today, KikoRiki is known far beyond Russia: under the names KikoRiki, GoGoRiki and other localized versions, the series has been shown in more than 90 countries, and its international audience has become a major part of its success. Its expansion into China proved especially significant, giving the characters a new life and a vast viewer base.

Absinthe has always been more than just a strong drink. Across different eras, it has been called a medicine, an artists drink, a dangerous poison, a symbol of decadence, a cause of madness and the forbidden fruit of European bohemia. It was drunk by doctors, soldiers, poets, workers, aristocrats and adventurers. It was blamed for almost every sin of the Belle Époque, banned for decades and then returned to the market - this time as a legend carefully sealed in a bottle.

A stubborn child can push even the calmest and most patient parents to the edge. They argue, resist, demand explanations, refuse to give in at the first request and seem to test adult boundaries with remarkable persistence. But behind this difficult behavior there is often not a bad character, but strong will, independence and an early attempt to protect a sense of self. The task of parents is not to break this quality, but to help the child learn how to use it wisely.