Commercial Bond Yields CMB 5 Year - 3.42% CANHOU 12/15/31 [+0.03%]     10 Year - 3.93% CANHOU 03/15/37 [+0.11%]     Floating Rate insured cost of funds 2.54% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.93% CAN 08/01/28 [+0.08%]     3 Year - 3.01% CAN 03/01/29 [+0.03%]     5 Year - 3.24% CAN 03/01/31 [+0.04%]     10 Year - 3.62% CAN 06/01/36 [+0.03%]     08/07/2026

Commercial Bond Yields CMB 5 Year - 3.43% CANHOU 12/15/31 [+0.03%]     10 Year - 3.86% CANHOU 09/15/36 [+0.02%]     Floating Rate insured cost of funds 2.54% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.90% CAN 05/01/28 [+0.05%]     3 Year - 3.03% CAN 03/01/29 [+0.05%]     5 Year - 3.24% CAN 03/01/31 [+0.03%]     10 Year - 3.63% CAN 06/01/36 [+0.03%]   07/31/2026

Commercial Bond Yields CMB 5 Year - 3.42% CANHOU 12/15/31 [-0.04%]     10 Year - 3.84% CANHOU 09/15/36 [-0.04%]     Floating Rate insured cost of funds 2.54% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.92% CAN 05/01/28 [-0.04%]     3 Year - 3.04% CAN 03/01/29 [-0.04%]     5 Year - 3.24% CAN 03/01/31 [-0.04%]     10 Year - 3.61 CAN 06/01/36 [-0.04%]     07/24/2026

Commercial Bond Yields CMB 5 Year - 3.33% CANHOU 12/15/31 [-0.03%]     10 Year - 3.76% CANHOU 09/15/36 [-0.03%]     Floating Rate insured cost of funds 2.53% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.84% CAN 05/01/28 [-0.01%]     3 Year - 2.96% CAN 03/01/29 [-0.01%]     5 Year - 3.15% CAN 03/01/31 [-0.03%]     10 Year - 3.53% CAN 06/01/36 [-0.04%]     07/17/2026

Commercial Bond Yields CMB 5 Year - 3.31% CANHOU 12/15/31 [-0.03%]     10 Year - 3.75% CANHOU 09/15/36 [-0.03%]     Floating Rate insured cost of funds 2.53% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.83% CAN 05/01/28 [-]     3 Year - 2.94% CAN 03/01/29 [-]     5 Year - 3.13% CAN 03/01/31 [-0.03%]     10 Year - 3.52% CAN 06/01/36 [-0.03%]     07/10/2026

Commercial Bond Yields CMB 5 Year - 3.23% CANHOU 12/15/31 [-0.04%]     10 Year - 3.67% CANHOU 09/15/36 [-0.03%]     Floating Rate insured cost of funds 2.53% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.74% CAN 05/01/28 [-0.04%]     3 Year - 2.85% CAN 03/01/29 [-0.03%]     5 Year - 3.04% CAN 03/01/31 [-0.04%]     10 Year - 3.43% CAN 06/01/36 [-0.03%]   07/03/2026

Commercial Bond Yields CMB 5 Year - 3.23% CANHOU 12/15/31 [+0.05%]     10 Year - 3.66% CANHOU 09/15/36 [+0.06%]     Floating Rate insured cost of funds 2.53% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.76% CAN 05/01/28 [+0.03%]     3 Year - 2.86% CAN 03/01/29 [+0.03%]     5 Year - 3.04% CAN 03/01/31 [+0.05%]     10 Year - 3.42% CAN 06/01/36 [+0.06%]   06/28/2026

Commercial Bond Yields CMB 5 Year - 3.22% CANHOU 12/15/31 [-0.04%]     10 Year - 3.64% CANHOU 09/15/36 [-0.02%]     Floating Rate insured cost of funds 2.53% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.76% CAN 05/01/28 [-0.06%]     3 Year - 2.86% CAN 03/01/29 [-0.05%]     5 Year - 3.02% CAN 03/01/31 [-0.04%]     10 Year - 3.38% CAN 12/01/35 [-0.01%]   06/19/2026

  Commercial Bond Yields CMB 5 Year - 3.38% CANHOU 12/15/31 [+0.13%]     10 Year - 3.78% CANHOU 09/15/36 [+0.10%]     Floating Rate insured cost of funds 2.53% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.90% CAN 05/01/28 [+0.12%]     3 Year - 3.00% CAN 03/01/29 [+0.12%]     5 Year - 3.19% CAN 03/01/31 [+0.13%]     10 Year - 3.51% CAN 12/01/35 [+0.10%]     GOC Bonds are for reference purposes only * denotes interpolated rate 06/05/2026

Commercial Bond Yields CMB 5 Year - 3.20% CANHOU 06/15/31 [-0.09%]     10 Year - 3.68% CANHOU 09/15/36 [-0.08%]     Floating Rate insured cost of funds 2.52% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.80% CAN 05/01/28 [-0.08%]     3 Year - 2.89% CAN 03/01/29 [-0.08%]     5 Year - 3.07% CAN 03/01/31 [-0.08%]     10 Year - 3.41% CAN 12/01/35 [-0.07%]   05/29/2026

Commercial Bond Yields CMB 5 Year - 3.32% CANHOU 06/15/31 [-0.08%]     10 Year - 3.81%* Est CANHOU 09/15/36 [-0.08%]     Floating Rate insured cost of funds 2.52% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.87% CAN 05/01/28 [-0.07%]     3 Year - 2.97% CAN 03/01/29 [-0.07%]     5 Year - 3.15% CAN 03/01/31 [-0.09%]     10 Year - 3.50% CAN 12/01/35 [-0.09%]   05/22/2026

Commercial Bond Yields CMB 5 Year - 3.47% CANHOU 06/15/31 [+0.12%]     10 Year - 3.95%* Est CANHOU 09/15/36 [+0.11%]     Floating Rate insured cost of funds 2.52% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 3.03% CAN 05/01/28 [+0.10%]     3 Year - 3.11% CAN 03/01/29 [+0.10%]     5 Year - 3.31% CAN 03/01/31 [+0.12%]     10 Year - 3.64% CAN 12/01/35 [+0.11%]   05/16/2026

Commercial Bond Yields CMB 5 Year - 3.34% CANHOU 06/15/31 [-0.02%]     10 Year - 3.84%* Est CANHOU 09/15/36 [-0.02%]     Floating Rate insured cost of funds 2.52% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.96% CAN 05/01/28 [-]     3 Year - 3.04% CAN 03/01/29 [-]     5 Year - 3.20% CAN 03/01/31 [-0.01%]     10 Year - 3.55% CAN 12/01/35 [-0.02%]   05/01/2026

Commercial Bond Yields CMB 5 Year - 3.24% CANHOU 06/15/31 [-]     10 Year - 3.75%* Est CANHOU 09/15/36 [-]     Floating Rate insured cost of funds 2.52% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.83% CAN 05/01/28 [+0.02%]     3 Year - 2.91% CAN 03/01/29 [+0.01%]     5 Year - 3.09% CAN 03/01/31 [+0.01%]     10 Year - 3.47% CAN 12/01/35 [-]   04/24/2026

Commercial Bond Yields CMB 5 Year - 3.24% CANHOU 06/15/31 [-0.03%]     10 Year - 3.77%* Est CANHOU 09/15/36 [-0.02%]     Floating Rate insured cost of funds 2.52% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.78% CAN 02/01/28 [-0.03%]     3 Year - 2.90% CAN 03/01/29 [-0.03%]     5 Year - 3.07% CAN 03/01/31 [-0.02%]     10 Year - 3.46% CAN 12/01/35 [-0.01%]   04/11/2026

Commercial Bond Yields CMB 5 Year - 3.44% CANHOU 06/15/31 [+0.09%]     10 Year - 3.94%* Est CANHOU 09/15/36 [+0.09%]     Floating Rate insured cost of funds 2.54% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 3.00% CAN 02/01/28 [+0.06%]     3 Year - 3.11% CAN 03/01/29 [+0.07%]     5 Year - 3.26% CAN 03/01/31 [+0.09%]     10 Year - 3.62% CAN 12/01/35 [+0.09%]   03/27/2026

By Bob Crane Woodland Management Service  #1 in Forest Land Mgmt   🌲 THE WOODLAND REPORT – Thunder Bay District, NW Ontario Hunting • Timber • Investments Market Snapshot – 20+ Acre Properties 📍 District Overview – Thunder Bay, Ontario The Thunder Bay District occupies a vast portion of northwestern Ontario’s boreal forest, with a mix of Crown land and private woodlots, extending from Lake Superior northward into Canada’s boreal biome. It’s a major hub for forestry and wood product manufacturing in Ontario. The region’s forests are part of a broader forest landscape that supports sawmills, pulp and paper facilities, and growing bioeconomy interests. 🌳 Forestland Summary Unlike U.S. counties, Ontario’s forest inventory isn’t framed in “forest acres per county,” but rather in Forest Mana... 03/25/2026

Commercial Bond Yields CMB 5 Year - 3.32%* Est CANHOU 06/15/31 [-0.01%]     10 Year - 3.81%* Est CANHOU 09/15/36 [-]     Floating Rate insured cost of funds 2.54% [-]     Prime Rate 4.45% [-]     GoC 2 Year - 2.94% CAN 02/01/28 [+0.06%]     3 Year - 3.03% CAN 03/01/29 [+0.08%]     5 Year - 3.13% CAN 03/01/30 [+0.03%]     10 Year - 3.49% CAN 12/01/35 [-]     03/20/2026

There are those who feel taxes that benefit society as a whole, like education and other regional services that benefit society in general, should come entirely from income tax not property tax.  Today we examine the historical trajectory of taxation from its origins in the physical labor of the Ancient world to the digital wealth management of the 21st century. It explores the transition of tax bases from "tangible" property to "intangible" income and the ideological shift from collective survival to social engineering. Finally, it addresses the contemporary challenges of tax havens and the ongoing debate between taxing the flow of income versus the stock of wealth in a globalized economy. I - The Genesis of the Social Contract: Labor and Grain: The earliest forms of taxation were root... 03/08/2026

Supporters of market value assessment believe that the value of your home is a fair way to measure your ability to pay. The Fair Tax Commissions report of the Property Tax Working Group, who had a one-time access to income information at the household level, concluded that this was random at best. They also concluded taxes based on MVA’s or CVA’s was regressive.   The supporters of Market Value Assessment or CVA continue to push for the updating of assessments to a new base year preferably going to annual updates. (In a later post I will talk about how this obfuscates the reality of tax shifts from one area to another.)   The Debate: Market Value Assessment (MVA) or Current Value Assessment (CVA) often centers on the tension between "asset wealth" and "liquid income." While property ta... 03/08/2026