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Published in the Financial Post on July 27, 2015 Lawrence L. Herman, founding partner at Herman & Associates, practices international trade law and is a Senior Fellow of the C.D. Howe Institute in Toronto. Americans provide billions in protectionism to dairy that will have to be given up for trade deal. We rail against Canada’s supply management system. Rightly so. It’s a Soviet-style regime…

Published in the Financial Post on July 16, 2015 By Thorsten V. Koeppl and James MacGee Thorsten V. Koeppl is Associate Professor and RBC Fellow, Department of Economics, Queen’s University; and Scholar in Financial Services and Monetary Policy, C.D. Howe Institute. James MacGee is Associate Professor of Economics, Western University, and a Research Fellow at the C.D. Howe Institute.…

A charitable gift annuity provides an immediate gift to C.D. Howe Institute while providing a secured income stream for the donor during their lifetime.  Depending on the donor’s age, this income can be tax-free.  A portion of the total contribution is used to purchase the annuity from a licensed insurance company and the balance is retained as a donation for which a tax receipt is…

By Finn Poschmann Few Canadians may have heard of them, yet covered bonds, an important bank funding mechanism, have taken a place near the heart of the financial system. How big a place that should be, and how close to the heart, will be a question for whoever forms the next government in Ottawa – and this will matter to housing finance. Covered bonds have been around for centuries – capital…

By Christpoher Ragan  Several issues of fiscal policy were highlighted in the recent federal election campaign, including budget deficits, spending on infrastructure, changes in tax rates for middle– and upper-income Canadians, and reforms to child-benefit programs. But one issue absent from the debate was a longer-term challenge: the return of Canada’s “fiscal imbalance” between the various…