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🎵It's beginning to look a lot like Christmas.🎶

 

Giving away $50 to The Keg.Time for some holiday cheer🥂!
 

Your a VIP <<First Name>>

.... and you're in my VIP Club.  Instead of traditional advertising, every month I am giving away something fun to my VIP's (past, present and future clients); you're one of them!  There's no catch - I'm spending my advertising dollars on you.  I'll be sending mortgage, insurance or investing news, keeping in touch, and offering you a cool giveaway.

Enter the Givaway

Giving away 1 gift card for $50.  Vote in the survey below and you will be entered in the draw for the gift card. Draw will be on Dec 20th, and notified shortly after by email.
Are you ready for Christmas?
 A) I have been ready for 6 months now!
 B) Purchased all gifts online on black Friday
 C) I will wait till last minute - like always
 D) Never ready but Santa always is...
65% of you that voted in  my Quiz last month said you had travel plans this winter...... 
 
Think you don't need travel insurance?

Even when you’ve planned your trip down to the last detail, the unexpected can happen, so it’s best to be prepared. Travel insurance can help. Click here (opens a pdf) to read some real-life situations involving travellers who were glad to have the protection and assistance it provides when it counted most. Contact me to get a quote for you individually or as a family.  We quote on Canadians travel out of Canada, International Travelers into Canada and Students who go abroad.

Residential Market Commentary - BoC takes a holiday from rate increases

The Bank of Canada gets one more chance to raise interest rates this Wednesday Dec 5th but market watchers are betting against a Christmas increase.

The October inflation numbers, which came in above expectations, would normally be seen as green light for the Bank to go ahead with another quarter-point increase.  Headline inflation for October came in at 2.4%, with analysts having called for a flat reading of 2.2%.

However, core inflation – which is what the central bank really cares about – came in pretty much on target, at 2%, across all three of the measurements used by the Bank.  The core inflation calculations strip out volatile items like food and fuel to give a truer picture of the underlying economy.

In an example of how interrelated the components of our economy are, market watchers – and the BoC – are also keeping a very close eye of the price of oil.  Canada’s benchmark crude price has been taking a serious hit lately, selling at less than US$20 a barrel (U.S. benchmark crude is selling for more than US$40 a barrel.)

The plunge in oil prices is expected to take a significant bite out of November’s inflation numbers and the Bank of Canada is expected to wait for better stability in the market before imposing any more rate increases.

Look to January for the next move.

Life happens in a heartbeat.
Operation Red Nose is now under way.  Most Friday and Saturday nights in December we are open for business between  9 pm and 3 am.  Call ORN Winnipeg and arrange to get  you and your vehicle home safely.  Operation Red Nose is a large sponsor for the Manta Swim Club in Winnipeg.  As a board member of Manta - we really appreciate our association with ORN for the past 23 years. We drove 145 clients home this past weekend after a night of fun and celebration. Donations from those we drive home go towards  keeping cost reasonable for over 300 swimmers this year.  Call 204-947-6673 or download the app.  Thank you from all the parents and swimmers of Manta Swim Club.
November Amazon Winner

Congrats to Gerry R. who won the November giveaway for Amazon.
Questions on your Insurance, Mortgage or Investments?  Do you need to review your insurance to ensure you are fully covered? Please email me or call me today.
Copyright © 2018 Lang Financial, All rights reserved.


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