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Bank of Canada Rate Decision Countdown: What to Expect on July 15

  Published July 4, 2026 In eleven days, the Bank of Canada will make its fifth interest rate call of 2026. If you've got a mortgage renewing, a variable rate that moves with the Bank's decisions, or savings sitting in a high-interest account, this is the date to have circled. Here's where things stand heading into July 15, and what the smart money is expecting. Where the rate sits right now The Bank of Canada has held its policy rate at 2.25% since its last two decisions, with the Bank Rate at 2.50% and the deposit rate at 2.20%. The July 15 announcement, released at 9:45 a.m. ET, will also come with a full Monetary Policy Report, since the Bank publishes its detailed economic projections quarterly alongside the January, April, July, and October decisions. Why most economists expect another hold The case for standing pat comes down to two forces pulling in opposite directions: Inflation is running hot, but mostly for one reason. Canada's headline inflation rate jumped...
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5 Budget-Friendly Gift Ideas for the 2023 Holiday Season



 Here are some budget-friendly and thoughtful gifts for your loved ones without breaking the bank of this Holiday Season.

  1. Subscription boxes: Subscription boxes are a great way to give a gift that keeps on giving. You can choose from a variety of options such as beauty, food, books, and more. Some popular subscription boxes include Birchbox, Ipsy, and Book of the Month. Prices start at around $10 per month.

  2. DIY kits: DIY kits are another great option for budget-friendly gifts. You can choose from a variety of options such as knitting, painting, and baking. Some popular DIY kits include We Are Knitters, Paint by Numbers, and Bake Me A Wish. Prices start at around $20.

  3. Experiences: Experiences are a great way to give a gift that creates memories. You can choose from a variety of options such as cooking classes, wine tastings, and spa treatments. Some popular experience options include Groupon, LivingSocial, and SpaFinder. Prices vary depending on the experience.

  4. Charitable donations: Charitable donations are a great way to give back during the holiday season. You can choose from a variety of options such as animal welfare, environmental causes, and children’s charities. Some popular charitable organizations include World Wildlife Fund, Greenpeace, and Save the Children. Prices vary depending on the organization.

  5. Gift cards: Gift cards are a great option for those who are hard to shop for. You can choose from a variety of options such as restaurants, retailers, and online stores. Some popular gift card options include Amazon, Starbucks, and Walmart. Prices vary depending on the retailer.

I hope these ideas help you find the perfect gift for your loved ones this holiday season. Happy shopping! 

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