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1. Concerns over household debt in Canada are overblown

   Appeared in the Financial Post, July 18, 2017 With headlines like "Canadian household debt levels hit a record high" and dire warnings from top policymakers such as Bank of Canada governor Stephen Poloz, many Canadians may think household debt ...

2. Household Debt and Government Debt in Canada

   Canadians are regularly inundated with news stories about policy concerns over household debt. These concerns, however, can be seen to be overblown once we properly account for the other side of the balance sheet. Canadian households have taken on more ...

3. Federal finances and the irony behind Ottawa’s new ‘stress test’

   Appeared in the Financial Post, October 18, 2016 Ottawa recently announced a series of new regulations for the housing market to “protect the long-term financial security of borrowers and all Canadians.” You have to love the irony. While the federal ...