US Double Dip Recession and What This Could Mean For Canadian Mortgage Rates

US fears of a double dip recession are slowlyprolong the recession because housing has the single
becoming a reality. Based on data released on housing,biggest psychological effect on consumers and when
employment, construction and manufacturing it ishouse prices go down spending goes down and
becoming quite clear that things will more likely getsavings go up.
worse before they get better with the world's largestCanada will have to cut deficits which have already
economy facing a huge uphill battle.wiped out ten years of repayments in one year and
One of the main indicators is housing sales which hadwith an aging population of two million climbing to ten
a 30% month over month decline which happens to bemillion in the next decade it is hard to imagine how they
the largest on record. US Unemployment numberscan do this when they barely accomplished debt
spiked month over month as well so the employmentrepayments at the best of times. Are we really that
market will remain under stress for some time.far behind Greece?
The recovery we thought we had was notHind sight is always 20/20, but it would have been nice
accompanied with job growth which is needed for longfor our politicians to pay down more debt when they
term growth. A jobless recovery is not practical orwere over taxing us and running huge surpluses
likely and the stimulus spending has done nothing moreinstead of going on spending sprees.
than create a short term recovery. With westernThe only way the government will accomplish the
governments preparing to tighten their spending andneeded reductions in debt is to slash spending on
reduce deficits the economy has a chance to remaingovernment programs, benefits and ultimately tax
stagnant, but more than likely will decline.increases. My biggest fear is they usually go for the
What does all this mean for Canada, a country thattax increases first because it is easier to deal with the
has done relatively well during this crisis andpublic than deal with the public sector unions. Once
subsequent recession. Well history can tell us thatagain putting strain on our purchasing power which
Canada is usually one to two years behind the USdoes not help the economy one bit.
since most of our exports go to the US. If thisHave we not already seen some tax increases
assumption is true then Canada has not really hit the(HST)? As a Canadian we all must take part in
bottom yet. So further economic declines will keepcorrecting this mess which will result in short term pain
inflation low with a period of deflation possible. Givingfor long term gain but most of all we must hold our
the Bank of Canada no reason for to raise rates in thepoliticians responsible for the mess they created and
short term with very modest increases possible in thedemand more long term vision and accountability.
foreseeable future.We must stop frivolous government spending,
One could argue that Canada will find other tradingcorporate welfare and funding special interests groups
partners and while that is true it will not happenthat do not represent or benefit the masses. We must
overnight and even the other trading partners aredemand that government sector workers pay and
facing similar challenges. Did we not prove in thebenefits stay in line with what's going on in the private
financial crisis that when the US sneezes the worldsector and only then will this disconnect between the
catches a cold?two stop.
So with the majority of the western hemisphere inThis entitlement that society feels combined with I
decline and China feeling slowing pressure on theirmust have it now thinking, short term vision and the
economy which many countries hoped that China willbelief that it can go on forever is what brought us here
lead the world out of this recession, it is foolish or naivetoday. It will get better and if everyone takes some
to think that Canada can go on without feeling theresponsibility the world will be a better more
effects of the rest of the world.responsible place.
If housing prices start falling as predicted it will only