Minding Money: Lara's Insights

A financial newsletter and blog in the Comox Valley

I'm glad you're here - being on this page means you want to learn more about how your financial choices can impact your quality of life.

I have been passionate about the importance of financial literacy since I started in this industry 20 years ago.  Minding Money is a quarterly newsletter I started for my friends and clients to address common questions when it comes to wealth and retirement planning and talk about the latest news in the investment industry.

If you would like each issue of Minding Money emailed or mailed to you, please send me an email.  On this blog I'll post a link to the PDF versions, as well as links to financial market and strategy opinion pieces by RBC Wealth Management professionals.

If you have any questions about anything you read here, please get in touch!

 

Latest Newsletter

 Fall 2025

In this edition:

  • Dr. Tom Deans "Every Family's Business" Thursday November 6th
  • Are you overlooking the tax-free opportunity?
  • A tax-efficient withdrawal strategy
  • Year-end checklist

Lara D. Austin Minding Money Newsletter - Winter Edition

March 02, 2025 |Lara Austin

Lara D. Austin - Minding Money Newsletter - Winter Edition Focus on what's within our control - see to understand what's not - Investing resolutions inspired by the world's best investors - The great mortgage renewal: Pay it down faster -

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Tariffs’ leverage extends far beyond trade

Tariffs’ leverage extends far beyond trade

February 05, 2025 |Atul Bhatia, CFA

Tariffs can have many economic impacts, but we think investors should focus on the economic and political goals that are driving decision-making.

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Video: Bank of Canada cuts interest rate to 3% amid U.S. trade uncertainty

Video: Bank of Canada cuts interest rate to 3% amid U.S. trade uncertainty

January 30, 2025 |Josh Nye, Canadian Fixed Income Strategist

The Bank of Canada lowered its benchmark interest rate in January to 3% from 3.25% amid ongoing uncertainty over the threat of U.S. tariffs.

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Global Insight 2025 Outlook: Canada

Global Insight 2025 Outlook: Canada

December 03, 2024 |Sunny Singh, CFA, and Josh Nye

Despite potential headwinds, we are generally constructive on Canadian markets, though we expect less outperformance in credit.

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The end of China’s challenging chapter?

The end of China’s challenging chapter?

October 31, 2024 |Frédérique Carrier

China’s economy is struggling. A coordinated stimulus to curb the crippling housing crisis and support local governments is being announced. We explore the measures undertaken and contemplated and their potential implications for portfolios.

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Video: Bank of Canada cuts again in October. Find out why and what lies ahead.

Bank of Canada cuts again in October. Find out why and what lies ahead.

October 24, 2024 |RBC Wealth Management

The Bank of Canada lowered its benchmark interest rate by half a percentage point in October, to 3.75%.

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Lara. D. Austin Minding Money Newsletter Fall 2024

October 15, 2024 |Lara Austin

Lara D. Austin - Minding Money Newsletter Fall 2024 -Visit and learn from us in the community this fall -Delayed landings: lingering in the middle ground -Acting as an executor? Beware of your actions -Consider a year-end checklist

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Oktoberfest Client Event - O'zapft is!

October 08, 2024 |Lara Austin

Lara Austin Client Appreciation - Oktoberfest - Thank you to our clients for joining us for some Oktoberfest fun.

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Expert Estate Planning Workshop - Register here

October 08, 2024 |Lara Austin

Expert Estate Planning Workshop - Reserve your spot to help protect your family's future.

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The price of Fed rate cut success is steep, but not too steep

The price of Fed rate cut success is steep, but not too steep

October 02, 2024 |Thomas Garretson, CFA

The Fed has finally aggressively lowered interest rates. While a steeper yield curve reflects the market’s optimism that rate cuts will shore up the economic outlook, further steepness could be a sign the Fed will cut rates deeply, likely due to a re

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