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Each month AR runs numerous contests as a way for our members to engage in activities
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These state pages or hyper-local pages provide content directly related to a specific geographical location.
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•· Dow +196.89ptsFinancial markets grew more upbeat as political leaders said they struck an agreement in principle on a massive spending plan to revive the crippled financial system. The Dow jumped s on optimism about the bailout, and demand for safe-haven assets remained high but eased slightly as some investors placed bets that a deal would help unclog credit markets.
•· Dollar +.22c to $96.68US. The Canadian dollar rose against a slumping U.S. dollar as U.S. data missed expectations, compounding concerns about the economy as U.S. lawmakers tried to reach an agreement on a proposed bailout package for the battered financial sector
•· Oil +2.29 to $108.02US per barrel.
•· Gold -11.30 to $877.70US per ounce
Mortgage rates begin to rise
Kristine Owram The Canadian Press
Mortgage rates in Canada are heading higher as fears of inflation resonate through the bond market while U.S. legislators struggle toward agreement on a $700 billion US bailout plan for Wall Street banks.
TD Canada Trust and Bank of Montreal said last night they have raised mortgage rates by more than a third of a percentage point on three, four and five-year loans.
The changes reflect the rising cost of borrowing in the bond market, an inflation-sensitive financial marketplace where banks finance their mortgage lending.
Effective today, a five-year mortgage at both banks increases by 0.35 of a percentage point to 7.2 per cent, while a three-year closed term rises by the same amount to 7.05 per cent.
A one-year closed mortgage loan at TD Canada Trust falls by .3 of a percentage point to 6.35 per cent.
The changes suggest bond markets are worried about the future inflationary pressures from the proposed U.S. bailout of Wall Street banks, said TD Bank chief economist Don Drummond.
"We always did figure that adding $700 billion to the deficit of the United States would probably cause something like a 25 basis point (quarter point) increase in the longer-term interest rates and that seems to have already happened,'' said Drummond.
"(The bailout) does increase the risk to bonds. In just plain good old demand and supply that means there has to be an awful lot of bond issuance and there's a limited supply of people that want to buy them so it's natural that the price goes up,'' he added.
The interest rates on mortgages and other short-term borrowing are set based on the price of bonds. With lower demand for bonds and fears of inflation, rates have to rise to lure investors willing to part with their money.
Other interest rates in the economy -- from consumer and car loans to mortgage rates tied to the prime rate -- are affected by the Bank of Canada trend-setting rate, which is expected to fall or remain stable over the next few months at least.
A bailout is expected to push up inflation and force the U.S. Federal Reserve Board to raise rates in the future.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.