The You First Blog

We updated the You First website with a new design. Hopefully, you will find it more resourceful and user-friendly. There will be a second phase of website changes by the end of the year. In the meantime, please explore and let us know what you think! What’s new -Modernized layout (navigation tab at the top)… Read More

In 2012, new rules were introduced that allowed Canadians to apply for CPP benefits as early as age 60 at a reduced rate, or as late as 70 at an increased rate. This was meant to address Canada’s evolving landscape of retirement, with some Canadians retiring before age 65 while others are working past it…. Read More

The S&P 500 has been rising for almost 10 years, and on August 22nd, it officially became the longest U.S. bull market in history, reaching 3,453 days from its humble beginnings on March 9, 2009. Where do we go from here? How much longer will this last? Will there be a downturn soon? These are… Read More

On Sunday, the United States and Canada reached a last-minute deal to save NAFTA as a trilateral pact with Mexico. The full text of the agreement can be located here. The new United States-Mexico-Canada Agreement (USMCA) largely leaves the broad North American Free Trade Agreement (NAFTA) intact, and maintains current supply chains that would have… Read More

On March 9, 2009, the Dow Jones, the S&P 500, and the NASDAQ all bottomed out in the aftermath of the “Great Recession”. Since that date, all three indices have experienced rapid recoveries and expansion. We’ve now experienced nearly 10 years of expansion with few speedbumps along the way. When listening to commentary by economists,… Read More