December is usually a slow month for mortgage applications. Not so in 2017 — LowestRates.ca actually saw an increase in mortgage inquiries from November to December 2017, the first time that's happened since the company was founded five years ago. Let’s start by looking at what an abnormal month it was for mortgage applications. Traditionally, the autumn homebuying season is a busy one for banks and mortgage brokers.
The majority of Canadians applying for mortgages on LowestRates.ca shifted to variable-rate the past two months, reversing a trend of fixed-rate mortgages seen in the summer. On the surface, the shift shows that Canadians have become more comfortable taking on the risk of variable rate to save money when paying for a home. Variable-rate mortgages become more expensive if interest rates rise. The situation was different in August.
Oh, financial literacy month, we love you: for a brief moment, caring about budgeting and saving money seeps into the mainstream. In case you didn’t know, back in 2012, the Canadian federal government declared November to be Financial Literacy Month in Canada. But as fast as it arrives, all the buzz is gone. That’s because it’s hard to get Canadians to care about their money.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Musk AND Zuckerberg or Musk + Zuckerberg.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used). For example, results will contain either cake or cookie by searching cake OR cookie or cake,cookie
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".