Zafar Hussain, Trusted Advisor

August 12, 2025!

*"Headline CPI inflation may be at 2.7%, but many necessities are seeing much higher price hikes:*

President Trump is considering suing the FED chairman Jerome Powell! It would be the first case in history!

Whereas today,
🏡 Rent: *+3.5%*
🍽️ Dining Out: *+3.9%*
🏠 Homeowner Costs: *+4.1%*
🍖 Meat & Eggs: *+5.2%*
🚗 Car Insurance: *+5.3%*
⚡ Electricity: *+5.5%*
🏥 Hospital Services: *+5.8%*
🔧 Car Repair: *+6.5%*
🔥 Utility Gas: *+13.8%*

Core CPI inflation has now risen for *3 straight months*—the first time since September 2022—and sits at *3.1%*.

So why does the official CPI still show just *2.7%*? Because it averages *all* goods & services, masking the real pain of essentials.

*Bottom line:* For many Americans, inflation isn’t cooling—it’s burning a hole in their wallets.

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Regards,
*Zafar Hussain*.
+1 647 283 4428, +1 437 605 4428


# Call-to-Action Links
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*Share this with someone starting their financial journey or willing to be part of the collective wisdom!* 🏡✨

*⚠️ Note: My analysis and future-looking statements — not financial/political advice. Markets evolve; always DYR (Do Your Research).

*"This message is part of the Awareness Community, a peer-moderated network. We are not liable for third-party content or actions."*

August 12, 2025!

🔥 *Today's US CPI data confirms the Fed's hawkish stance was RIGHT*
Expect a continued *pause at the September 17th meeting*.

🇺🇸 *US-China Tariffs:* Delayed 90 days, but the US faces an uphill battle for a "good deal." Tariffs protect local industry and shift money from people to the government. The US government needs a lot of dollars to overcome budget deficits and debt financing. Tariffs can be the best tool as it is treated as an indirect tax and the general public doesn't take them as a direct tax. It will also help the US to curb consumption and boost manufacturing in the long term.
🇨🇳 *China holds a strong card: DOMINANCE in rare earth materials.*

⚠️ *Stubborn inflation looks set to linger.*
*Unless the Fed bows to political pressure from the President Trump administration...*

*Our Take:*
📉 *Don't expect ANY interest rate CUTS from the Fed (or BOC) in 2025.*
The path down for inflation remains blocked.

*Housing Market:*
As for the last three years, we still see housing markets under pressure for most provinces in Canada and some states in the US. In both countries money supply is increasing sharply recently which could cause inflation to rise gradually instead of coming down

Join, like, follow, and let us know your thoughts in the comments or through DM/PM!

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Regards,
*Zafar Hussain*.
+1 647 283 4428, +1 437 605 4428


# Call-to-Action Links
*Free Mortgage Planner:* https://maapp.ca/app/zafar-hussain

*Business Card:* https://qrco.de/bfmzQF

# # Social Media Profiles
*LinkedIn:* https://www.linkedin.com/in/zafarhussain
*Facebook:* https://www.facebook.com/Zafar.Hussain68
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*Share this with someone starting their financial journey or willing to be part of the collective wisdom!* 🏡✨

*⚠️ Note: My analysis and future-looking statements — not financial/political advice. Markets evolve; always DYR (Do Your Research).

*"This message is part of the Awareness Community, a peer-moderated network. We are not liable for third-party content or actions."*

*Latest Inflation Data Reinforces Fed’s Stance—Updates Ahead*

The latest US inflation numbers confirm that the Fed’s current policy decisions are well-founded, contrary to President Trump’s calls for rate cuts. With inflation trending upward and new tariffs taking effect from *August 1st*, price pressures are likely to persist in the coming months.

Given these developments, the likelihood of a rate cut in any of the remaining *three Fed meetings this year appears low*. However, we will continue to refine our outlook as new data emerges and keep you informed with timely insights.

Help us grow the *Awareness Community* by sharing this invite with friends and family:

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Thank you for being part of this great journey. Let’s keep learning together!

Join, like, follow, and let us know your thoughts in the comments!

Follow me on TikTok!!!
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Regards,
*Zafar Hussain*.
+1 647 283 4428, +1 437 605 4428


# Call-to-Action Links
*Free Mortgage Planner:* https://maapp.ca/app/zafar-hussain

*Business Card:* https://qrco.de/bfmzQF

# # Social Media Profiles
*LinkedIn:* https://www.linkedin.com/in/zafarhussain
*Facebook:* https://www.facebook.com/Zafar.Hussain68
*TikTok:* https://www.tiktok.com/
*Twitter:* https://twitter.com/ZeeHussain7861
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*Threads:* https://www.threads.net/.hussain.zh

*Share this with someone starting their financial journey or willing to be part of the collective wisdom!* 🏡✨

*⚠️ Note: My analysis and future-looking statements — not financial/political advice. Markets evolve; always DYR (Do Your Research).

*"This message is part of the Awareness Community, a peer-moderated network. We are not liable for third-party content or actions."*

*Congratulations to the Awareness Community!*

Once again, the community’s collective insight proved accurate in forecasting the latest decisions from the *Bank of Canada (BoC)* and the *Federal Reserve (Fed)*. Both central banks opted to *maintain their current interest rates*, with the BoC holding steady at *2.75%-3%* and the Fed keeping its benchmark rate at *4.25%-4.50%*.

# *What’s Next for the BoC?*
Given the current economic landscape, it appears highly likely that the *BoC will extend its pause at the next meeting on September 17* as well. Whereas, the introduction of *new tariffs starting August 1* could introduce volatility into Canada’s economic outlook.

# *Canadian Housing Market Outlook*
As we’ve consistently highlighted, the *Canadian housing market remains under downward pressure*. While significant declines were already observed in June and July, this trend is expected to persist for the *next 3 to 5 months*. That being said, the situation could shift rapidly if:
- *The Fed Chair resigns or is removed from office.*
- *Positive developments emerge on the tariff front*, stabilizing economic conditions.

For now, the *Canadian government has remained notably quiet* on key economic issues, leaving markets in a state of cautious anticipation.

# *U.S. Economic Update*
The U.S. reported *strong 3% GDP growth* today morning, in the last quarter—a positive sign for the American economy. However, this robust performance further *reinforces the Fed’s decision to maintain higher rates for longer*.

*Key Challenges Ahead:*
- *President Trump's tariffs* will begin reflecting in economic data by *mid-September*, potentially altering the Fed’s calculus.
- The *U.S. national debt, nearing $37 trillion*, raises concerns over the government’s ability to sustain high interest payments.
- *Foreign investors are growing hesitant* to lend to the U.S. at current rates, increasing pressure on policymakers to eventually *raise rates* to borrow more money.

# *Final Thoughts*
While central banks remain in a holding pattern, *external factors—tariffs, political shifts, and debt sustainability—could force abrupt changes in monetary policy*. The Awareness Community will continue monitoring these developments closely.

Join, like, follow, and let us know your thoughts in the comments!

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👉 *Join the Awareness Community for more of this:*
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Regards,
*Zafar Hussain*.
+1 647 283 4428, +1 437 605 4428


# Call-to-Action Links
*Free Mortgage Planner:* https://maapp.ca/app/zafar-hussain

*Business Card:* https://qrco.de/bfmzQF

# # Social Media Profiles
*LinkedIn:* https://www.linkedin.com/in/zafarhussain
*Facebook:* https://www.facebook.com/Zafar.Hussain68
*TikTok:* https://www.tiktok.com/
*Twitter:* https://twitter.com/ZeeHussain7861
*Instagram:* https://www.instagram.com/zafar.hussain.zh
*Threads:* https://www.threads.net/.hussain.zh

*Share this with someone starting their financial journey or willing to be part of the collective wisdom!* 🏡✨

*⚠️ Note: My analysis and future-looking statements — not financial/political advice. Markets evolve; always DYR (Do Your Research).

*"This message is part of the Awareness Community, a peer-moderated network. We are not liable for third-party content or actions."*

*Gratitude for Participation & Key Insights on Upcoming BOC and Fed Rate Decisions*

Thank you to everyone who participated in our latest polls! Your continued engagement ensures valuable learning opportunities and enhances the accuracy of our future forecasts.

*Bank of Canada (BOC) Poll Results:*
- *72%* of participants expect the BOC to *hold rates steady at 2.75%*.
- *28%* anticipate a *25 bps rate cut* at tomorrow’s 9:45 AM announcement.

We fully align with the majority view, expecting the BOC to maintain its current pause.

*Federal Reserve (Fed) Poll Results:*
- *58%* predict the Fed will *pause rates* in the *4.25%-4.50% range*.
- *42%* foresee a *25 bps (or larger) rate cut* in tomorrow’s 2 PM decision.

This reflects the high-stakes scenario facing the Fed. While President Trump has exerted significant pressure for aggressive rate cuts, the Fed’s independence remains a critical factor. Our community appears confident that the Fed will resist external influence and hold rates steady unless clear evidence of declining inflation—accounting for tariff effects—emerges.

We appreciate your insights and look forward to seeing how these pivotal decisions unfold! We will update the community tomorrow!

Like, follow, and let us know your thoughts in the comments!

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👉 *Join the Awareness Community for more of this:*
https://chat.whatsapp.com/BEm9uUt3p3SD3DwhZAG51m

Regards,
*Zafar Hussain*.
+1 647 283 4428, +1 437 605 4428


# Call-to-Action Links
*Free Mortgage Planner:* https://maapp.ca/app/zafar-hussain

*Business Card:* https://qrco.de/bfmzQF

# # Social Media Profiles
*LinkedIn:* https://www.linkedin.com/in/zafarhussain
*Facebook:* https://www.facebook.com/Zafar.Hussain68
*TikTok:* https://www.tiktok.com/
*Twitter:* https://twitter.com/ZeeHussain7861
*Instagram:* https://www.instagram.com/zafar.hussain.zh
*Threads:* https://www.threads.net/.hussain.zh

*Share this with someone starting their financial journey or willing to be part of the collective wisdom!* 🏡✨

*⚠️ Note: My analysis and future-looking statements — not financial/political advice. Markets evolve; always DYR (Do Your Research).

*"This message is part of the Awareness Community, a peer-moderated network. We are not liable for third-party content or actions."*

True friendships and great teams never truly leave you—even when you're apart, they live on in your heart and memories. The good times you shared don’t just fade; they become inspiration, lighting the way forward. Today, I’m missing my incredible team… but so grateful for the moments that made us special. Love you!!!

*Subject:* Free Canadian Mortgage Calculator Tool – Plan Smarter!

Hi,

Want to explore your mortgage options with ease? Check out the **free Mortgage Planner app*:

https://maapp.ca/app/zafar-hussain

Download it to your phone and calculate payments, compare rates, and plan smarter—all at no cost. A must-have tool for homeowners and investors!

Let me know if you have any questions. Happy to help!

Best regards,
*Zafar Hussain*

Download My Mortgage Planner - Zafar Hussain 🌟 "Secure your family’s future, unlock homeownership dreams, and grow wealth fearlessly—20+ years turning Canadian financial goals into reality. Let’s talk!"

It is always great to meet old colleagues from CIBC Mbile Investments Consultant (MIC) team! Thanks to everyone for their time. Thanks Mary Joe for keeping us together 😀😍

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Regards,
*Zafar Hussain*.
*Your Trusted Financial Advisor*



# Call-to-Action Links
*Free Mortgage Planner:* https://maapp.ca/app/zafar-hussain

*Business Card:* https://qrco.de/bfmzQF

# # Social Media Profiles
*LinkedIn:* https://www.linkedin.com/in/zafarhussain
*Facebook:* https://www.facebook.com/Zafar.Hussain68
*TikTok:* https://www.tiktok.com/
*Twitter:* https://twitter.com/ZeeHussain7861
*Instagram:* https://www.instagram.com/zafar.hussain.zh
*Threads:* https://www.threads.net/.hussain.zh

*Share this with someone starting their financial journey or willing to be part of the collective wisdom!* 🏡✨

*⚠️ Note: My analysis and future-looking statements — not financial/political advice. Markets evolve; always DYR (Do Your Research).

*"This message is part of the Awareness Community, a peer-moderated network. We are not liable for third-party content or actions."*

🔗 *Join the Awareness Community for free* (Limited spots!):
👉 [WhatsApp Group Link](https://chat.whatsapp.com/BEm9uUt3p3SD3DwhZAG51m)

*CPI Trends in the US and Canada Show Gradual Upside Pressure!*

Both the US and Canada have seen a modest uptick in inflation in June, aligning with expectations. While the increases are not dramatic, the upward trend remains evident.

*Key Data Points:*
- *US CPI (YoY, June):* 2.7% (vs. 2.6% forecast)
- *Canada CPI (YoY, June):* 1.9% (up from 1.8% in May), with *Core CPI at 2.7%*
- *Canadian 30Y Bond Yield:* Rose to *3.901%*, reflecting market sensitivity to inflation trends

*Fed Policy Under Pressure*
President Trump continues to push aggressively for *300 bps of rate cuts*, intensifying pressure on the Fed. The selection process for the next Fed Chair has officially begun, and there are growing calls for Chair Powell to resign. So far, Powell appears to be resisting, but political uncertainty looms.

*Potential Scenarios:*
1. *If Powell Stays:* A *pause at the July 30th meeting* (for both the Fed and BoC) seems likely. However, as *tariff effects filter into July/August data*, inflation could accelerate, leading to renewed upward pressure on rates.
2. *If Powell Resigns or Is Removed:* A short-term dovish shift could occur, with markets pricing in deeper rate cuts—potentially weakening the USD and lowering yields temporarily.

*Outlook:*
While near-term policy uncertainty persists, the underlying inflationary pressures—especially from trade tensions—suggest that rate cuts may not be as aggressive as the White House desires. The next Fed leadership decision will be critical in shaping market expectations.

Am I wrong? Let’s talk."*

Like, follow, and let us know your thoughts in the comments!

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👉 *Join the Awareness Community for more of this:*
https://chat.whatsapp.com/BEm9uUt3p3SD3DwhZAG51m

Regards,
*Zafar Hussain*.
+1 647 283 4428, +1 437 605 4428


# Call-to-Action Links
*Free Mortgage Planner:* https://maapp.ca/app/zafar-hussain

*Business Card:* https://qrco.de/bfmzQF

# # Social Media Profiles
*LinkedIn:* https://www.linkedin.com/in/zafarhussain
*Facebook:* https://www.facebook.com/Zafar.Hussain68
*TikTok:* https://www.tiktok.com/
*Twitter:* https://twitter.com/ZeeHussain7861
*Instagram:* https://www.instagram.com/zafar.hussain.zh
*Threads:* https://www.threads.net/.hussain.zh

*Share this with someone starting their financial journey or willing to be part of the collective wisdom!* 🏡✨

*⚠️ Note: My analysis and future-looking statements — not financial/political advice. Markets evolve; always DYR (Do Your Research).

*"This message is part of the Awareness Community, a peer-moderated network. We are not liable for third-party content or actions."*