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Bond Yields Are Nearing 5%: What It Means for Your Mortgage and HELOC

  Published September 11, 2026 Something is happening in the bond market this week that matters more to your wallet than the daily swings in the TSX. The yield on the 10-year US Treasury note closed in on 5% on Friday — 4.95% , its highest level since 2023 and approaching territory not seen since 2007 — after climbing 18 basis points in a single week. Canadian bond yields have followed the same path: the 10-year Government of Canada bond hit its highest level in over two years earlier this month, and the 5-year bond — the one that actually sets your fixed mortgage rate — has drifted up to roughly 3.41%, about a quarter-point higher than it was a month ago. If you're renewing a mortgage, shopping for a HELOC, or just trying to figure out whether now is the moment to lock in, here's what's actually going on and what it means for your payments. Why bond yields, not the Bank of Canada, are driving fixed rates right now It's a common mix-up: people watch the Bank of Canada...

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Healthy Eating Tips: Jamie Oliver's valuable tips to get your kids to eat healthy.


 Jamie Oliver, a renowned British chef, is known for his advocacy for healthier diets for school children1. Here are some of his best advice for busy parents:


1. Teach them to cook: Involving your children in cooking will give them a sense of how ingredients become meals and an appreciation for the process. It’s not only a valuable life skill but also a habit that can be developed over time.

2. Use your freezer: Keeping frozen vegetables in stock is a healthy and convenient option. Vegetables like squashes, potatoes, and carrots are affordable and can be used to prepare easy meals throughout the year.

3. Involve them in shopping and prep: Taking your kids to the grocery store or farmers’ market, even if you’re just browsing, can help build their familiarity with healthy ingredients. It creates an experience they’ll remember and associate with fun.

4. Offer good options: Instead of giving your kids the choice between unhealthy fast food and homemade meals, ensure that both options are healthy. For example, let them choose between a protein-packed sandwich with leafy greens or a homemade soup.

5. Explore recipes to cook with kids: This will not only develop their culinary skills but also introduce them to new tastes and textures.

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