A hot housing market feels awesome if you own a home, but there are side effects. You spend more when your home is rising in value, and you put less money away as savings. You’ll need to fix that when the housing market falls or moves sideways for a while. With interest rates possibly rising again on Wednesday, don’t dismiss this possibility. A new report from CIBC Economics highlights the two kinds of savings – active and passive. Active savings is putting money away, while passive savings occurs... read more