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Computer Perils So the cogitations and expletives that have been expounded by me in the past few days have been due to my computer being sick. The hard drive crashed yesterday, but luckily not too badly. I will now spend a day or two cleaning up my system, due to my pack rat software installations.

What does this have to do with Financial Planning? I run Quicken on this machine and I have most of my excel workbooks for finance here as well. If this computer had died with no back up, I would have been SUNK. When was the last time you backed up your computer(s)? If you are doing anything on line for your financial well being, you might want to think about that one.

Long Term Mortgage Rates Going Up If you haven't locked in long term, it is going to cost you more today to get a long term Mortgage. Most of the major banks are guessing that interest rates will go up in the long term, so they are raising their long term rates to hedge against this. Long term bond yields have been up, and inflation is still above what the bank of Canada wants, so they may be right.

A Sea of Red No, not my finances, the Liberals rolled to power again in Ontario. What does this mean? Well I think it means John Tory is as much a success running the Provincial PC Party as he was CFL Commizar. Four more years of Mr. McGuinty, wonder if he'll start off his new term the way he did the last one (with a massive Tax increase)? How much for a new house? Well if you don't live on the Prairies, your new house price is slowing a great deal, however, if you do live on the prairies, that is another story. Where I live the increase is less than inflation, so that is cool, but in Saskatoon, over 50%?!? Holy crap!

New Housing Price Indexes
	August 2007	August 2006 to August 2007	July to August 2007
	(1997=100)	% change
Canada total	155.1	6.5	0.4
House only	165.1	6.0	0.6
Land only	135.6	7.8	0.1
St. John's	137.8	4.5	1.2
Halifax	139.8	7.0	0.1
Charlottetown	117.8	0.2	0.0
Saint John, Fredericton and Moncton	114.4	0.8	0.6
Québec	148.0	3.9	0.7
Montréal	155.3	4.5	1.1
Ottawa–Gatineau	162.0	1.1	0.2
Toronto and Oshawa	141.7	2.4	0.4
Hamilton	148.5	3.1	-0.7
St. Catharines–Niagara	151.7	4.3	1.1
Kitchener	139.7	1.9	0.3
London	138.4	3.2	-0.1
Windsor	103.0	-2.8	0.7
Greater Sudbury and Thunder Bay	106.3	4.1	0.4
Winnipeg	168.9	16.0	0.5
Regina	201.8	29.2	5.3
Saskatoon	212.1	53.6	1.4
Calgary	248.9	6.1	0.0
Edmonton	248.4	30.2	0.4
Vancouver	122.4	6.6	0.1
Victoria	118.7	0.4	0.0
Note: View the census subdivisions that comprise the metropolitan areas online.

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