: Interest rates have almost peaked from a central bank perspective, and while they may not go down for a while, I expect to see the first declines late in 2023. This is a little earlier than the Bank of Canada is currently indicating. Unfortunately, it will not give any immediate relief to those with variable-rate mortgages.: From a bond-market perspective, the five-year rate is unreasonably low given the rest of the market.
, government regulation will become much tighter. Smaller cryptocurrencies may not survive, and the largest names will have to survive under much tighter scrutiny, which goes against the prevailing culture of independence. I think that is called growing up.: The window might have been open for the legalization of cannabis in the U.S. for the past couple of years, but it clearly wasn’t one of President Joe Biden’s priorities. That doesn’t seem to have changed.
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