My top 10 favourite straight-shooters…..

Marci • March 31, 2012

A few years ago, I decided I’d had enough of other people’s crap.

 

You know what I mean – those people who spin tales just for the sake of it. They tell you what they think you want to hear instead of the truth and never really get to the point. Well, I’d had enough of it. From family and friends to business associates, I’d decided to make sure others around me were being straight and I was going to be straight with them, even when it was hard.

 

In honour of the decision, here is a list of my top 10 favourite straight-shooters and what they did to get there.

 

10. Eleanor Roosevelt – when she found out her husband had been unfaithful, Eleanor reinvented herself, becoming independent and the woman history recalls. She didn’t hold FDR’s infidelity over his head, instead she changed herself and even became his eyes and ears when he developed polio.

 

9. Alain Vigneault – in almost every interview, when asked what matters to him, the Vancouver Canucks’ coach stays focused on one thing – winning games. No matter what the press says or does, he stays focused on his purpose.

 

8. Whoopi Goldberg – She has had her dark moments, but Whoopi, like few others, remains in the public eye and continues to entertain without taking shots at her culture to do so.

 

7. Jane Goodall – Despite having worked with chimps since 1960, it wasn’t until 1986 that Goodall became exposed to the suffering of chimps in captivity. She continued her research, but added a different element to ensure the world stood up and paid attention.

 

6. Margaret Thatcher – Love her or hate her (and there are many in both camps) she stuck to her beliefs of what had to be done to get England through a very difficult period in time. She didn’t get caught up in what was being said about her and she continued to show up for work for 11 years.

 

5. Svend Robinson – He stole a ring from an auction. Not good. But it was what he did after stealing the ring that lands him on my list. He could have kept the ring and never spoken a word. He could have returned it anonymously. What he did was publicly confess to taking it, ending his political career – but he did the right thing in the end, even knowing what the consequences would be.

 

4. Brooke Shields – Back when famous people kept their emotions private, after recovering from post-partum depression, Shields made her battle with the condition very public, in the hopes of helping others.

 

3. Johnny Carson – In 1967, Carson had the opportunity to shut up and fly right or challenge convention. He went up against NBC during a strike and won the freedom over his show – paving the way for future performers.

 

2. Ellen DeGeneres – Coming from a conservative family, Ellen’s “coming out” to her mother, friends and fans was a challenge each time she faced it. Now, she is a powerful role model for both gay and non-gay individuals to learn about acceptance.

 

1. Donald Trump – Here’s another person that has followers in both the ‘love’ and ‘hate’ camps. One thing I admire him for is coming back, perhaps a bit humbled, after the early 1990s collapse of his empire. Sure he’s obnoxious and pretentious, but he never denies the pains that got him there.

 

I’d like to add one more to the list – Marci Deane. No, I’ve never publicly had a defining moment of truth like these folks, but I’ve been honest with people when it’s been hard. I’ve had times when I’ve told potential clients to stay with their bank because that was the best option for them. I recently told other potential clients to not buy now because it would be too much of a strain on their budget.

 

The truth is far more important to me than making a deal.

 

Share

By Marci Dean October 31, 2025
Apologies in advance for all the baseball puns! We are fully on the Blue Jay bandwagon over here ad loving every minute of it! Who knew baseball could be so much fun and wow, the strategy!! Very impressed!! As you likely heard, the Bank of Canada took the mound and cut the BOC policy rate to 2.25% which will push prime down to 4.45%. That’s the lowest since mid-2022. This was not a celebratory pitch. It was a damage-control adjustment to help an economy that’s limping between bases. Why the BoC Made the Move Think of the economy as a lineup that’s losing steam: GDP contracted — investment and exports are getting jammed inside Jobs remain soft — hiring is weak, unemployment is climbing Trade uncertainty (especially CUSMA renewal drama) has businesses choking up on the bat Consumers are still swinging , but they can’t win the series alone Inflation Scoreboard Inflation isn’t a shutout, but the score is manageable: CPI hovering near 2–2.5% Core still “sticky” around 3%, but trending lower BoC believes price pressures will cool further in coming innings That gave them the green light to make this cut without risking a walk-off inflation disaster. Forward Guidance = “Don’t Expect Extra Cuts Right Away” Macklem essentially said: If the game plays out as expected, this is the right rate for now. Translation: barring a shock, don’t expect another cut in December.  This is likely a pause , not the start of an aggressive easing cycle. Markets agree — odds of another cut next meeting are tiny.
By Marci Deane October 29, 2025
Bank of Canada lowers policy rate to 2¼%. FOR IMMEDIATE RELEASE Media Relations Ottawa, Ontario October 29, 2025 The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. With the effects of US trade actions on economic growth and inflation somewhat clearer, the Bank has returned to its usual practice of providing a projection for the global and Canadian economies in this Monetary Policy Report (MPR). Because US trade policy remains unpredictable and uncertainty is still higher than normal, this projection is subject to a wider-than-usual range of risks. While the global economy has been resilient to the historic rise in US tariffs, the impact is becoming more evident. Trade relationships are being reconfigured and ongoing trade tensions are dampening investment in many countries. In the MPR projection, the global economy slows from about 3¼% in 2025 to about 3% in 2026 and 2027. In the United States, economic activity has been strong, supported by the boom in AI investment. At the same time, employment growth has slowed and tariffs have started to push up consumer prices. Growth in the euro area is decelerating due to weaker exports and slowing domestic demand. In China, lower exports to the United States have been offset by higher exports to other countries, but business investment has weakened. Global financial conditions have eased further since July and oil prices have been fairly stable. The Canadian dollar has depreciated slightly against the US dollar. Canada’s economy contracted by 1.6% in the second quarter, reflecting a drop in exports and weak business investment amid heightened uncertainty. Meanwhile, household spending grew at a healthy pace. US trade actions and related uncertainty are having severe effects on targeted sectors including autos, steel, aluminum, and lumber. As a result, GDP growth is expected to be weak in the second half of the year. Growth will get some support from rising consumer and government spending and residential investment, and then pick up gradually as exports and business investment begin to recover. Canada’s labour market remains soft. Employment gains in September followed two months of sizeable losses. Job losses continue to build in trade-sensitive sectors and hiring has been weak across the economy. The unemployment rate remained at 7.1% in September and wage growth has slowed. Slower population growth means fewer new jobs are needed to keep the employment rate steady. The Bank projects GDP will grow by 1.2% in 2025, 1.1% in 2026 and 1.6% in 2027. On a quarterly basis, growth strengthens in 2026 after a weak second half of this year. Excess capacity in the economy is expected to persist and be taken up gradually. CPI inflation was 2.4% in September, slightly higher than the Bank had anticipated. Inflation excluding taxes was 2.9%. The Bank’s preferred measures of core inflation have been sticky around 3%. Expanding the range of indicators to include alternative measures of core inflation and the distribution of price changes among CPI components suggests underlying inflation remains around 2½%. The Bank expects inflationary pressures to ease in the months ahead and CPI inflation to remain near 2% over the projection horizon. With ongoing weakness in the economy and inflation expected to remain close to the 2% target, Governing Council decided to cut the policy rate by 25 basis points. If inflation and economic activity evolve broadly in line with the October projection, Governing Council sees the current policy rate at about the right level to keep inflation close to 2% while helping the economy through this period of structural adjustment. If the outlook changes, we are prepared to respond. Governing Council will be assessing incoming data carefully relative to the Bank’s forecast. The Canadian economy faces a difficult transition. The structural damage caused by the trade conflict reduces the capacity of the economy and adds costs. This limits the role that monetary policy can play to boost demand while maintaining low inflation. The Bank is focused on ensuring that Canadians continue to have confidence in price stability through this period of global upheaval. Information note The next scheduled date for announcing the overnight rate target is December 10, 2025. The Bank’s next MPR will be released on January 28, 2026. Read the October 29th, 2025 Monetary Report
By Marci Deane October 22, 2025
Owning a home feels great—carrying a large mortgage, not so much. The good news? With the right strategies, you can shorten your amortization, save thousands in interest, and become mortgage-free sooner than you think. Here are four proven ways to make it happen: 1. Switch to Accelerated Payments One of the simplest ways to reduce your mortgage faster is by moving from monthly payments to accelerated bi-weekly payments . Instead of 12 monthly payments a year, you’ll make 26 half-payments. That works out to the equivalent of one extra monthly payment each year, shaving years off your mortgage—often without you noticing much difference in your budget. 2. Increase Your Regular Payments Most mortgages allow you to boost your regular payment by 10–25%. Some even let you double up payments occasionally. Every extra dollar goes directly toward your principal, which means less interest and faster progress toward paying off your balance. 3. Make Lump-Sum Payments Depending on your lender, you may be able to make lump-sum payments of 10–25% of your original mortgage balance each year. This option is ideal if you receive a bonus, inheritance, or other windfall. Applying a lump sum directly to your principal immediately reduces the interest charged for the rest of your term. 4. Review Your Mortgage Annually It’s easy to put your mortgage on auto-pilot, but a yearly review keeps you in control. By sitting down with an independent mortgage professional, you can check if refinancing, restructuring, or adjusting terms could save you money. A quick annual review helps ensure your mortgage is always working for you—not against you. The Bottom Line Paying off your mortgage early doesn’t require a massive lifestyle change—it’s about making smart, consistent choices. Whether it’s accelerated payments, lump sums, or regular reviews, every step you take helps reduce your debt faster. If you’d like to explore strategies tailored to your situation—or want a free annual mortgage review—let’s connect. I’d be happy to help you find the fastest path to mortgage freedom.