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We Built a Budget Planner Spreadsheet for Canadian Households — Here's What's Inside

  If you've been reading our RRSP/TFSA/FHSA and household budgeting pieces, you already know the line we keep coming back to: a plan is only as good as your ability to actually track it. So we built something to close that gap. Introducing the Canadian Budget Planner It's an editable spreadsheet — not a course, not a subscription, just a tool you can start using today — built specifically around how Canadian households actually budget. What's inside: Monthly Budget tab — Planned vs. Actual across Housing, Transportation, Debt, Food, Personal and more, with totals and your savings rate calculated automatically RRSP, TFSA and FHSA contributions get their own line — treated as a required part of the budget, not whatever's left over at the end of the month Annual Overview tab — a 12-month view with an auto-updating income-vs-expenses chart and a savings-rate chart, so you can see your trend across the year Just fill in the blue cells — every total, difference, and percen...

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“Magnificent 7” Tech Stocks Lead Market Rebound After CPI-Driven Dip


On April 11, 2024, the stock market witnessed a remarkable turnaround as the “Magnificent 7” tech stocks flexed their muscle. These seven powerhouses—Apple (AAPL), Amazon (AMZN), Tesla (TSLA), Nvidia (NVDA), Microsoft (MSFT), Meta (META), and Alphabet (GOOGL)—led the charge, propelling major indices upward.

  • The S&P 500 halted its three-day slide, surging nearly 1%.
  • The tech-heavy Nasdaq Composite outperformed, gaining approximately 1.7%.
  • The Dow Jones Industrial Average posted a more modest advance, rising about 0.3%.
  • Meanwhile, the 10-year Treasury yield steadied around 4.56%, after a surge to its highest level since November.

The inflation debate rages on, with an influx of data influencing the Federal Reserve’s stance. Rabobank Senior Cross-Asset Strategist Christian Lawrence suggests that the traditional 2% inflation target may no longer be suitable. Structural shifts, including reglobalization and domestic production, challenge the status quo. As shelter inflation remains persistent, the Fed faces complex decisions.

Producer Price Index (PPI)

  • Inflation concerns eased slightly: March’s PPI rose 0.2% from the previous month, below economists’ forecasts.
  • Year-over-year growth stood at 2.1%, signaling the fastest jump in producer prices in nearly a year.

Tech Titans Rally

The “Magnificent 7” played a pivotal role in the rebound:

  • Apple and Nvidia surged over 3%.
  • Amazon hit a new intraday record high, gaining more than 1.5%.
  • These tech giants defied Wednesday’s CPI-fueled sell-off, reaffirming their influence on market dynamics.

As investors recalibrate their expectations, the stock market dances to the rhythm of innovation, inflation, and resilience. Stay tuned for further twists in this captivating financial saga.


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