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Lock In or Wait? Why Two Big Banks Say Rates Are Going Up in October

  Published September 2, 2026 The Bank of Canada did exactly what all 35 economists in Reuters' latest poll expected today: it held its overnight rate at 2.25% for a sixth straight decision, keeping the prime rate at 4.45%. Bond markets had priced in barely a 3% chance of anything else. What's not settled is what happens next — and on that question, Canada's biggest banks are more split than they've been all year. Four of the Big Six expect the Bank to sit tight through the end of 2026. Two expect it to start hiking as soon as October. If you're renewing a mortgage in the next few months, that gap isn't academic — it's the difference between locking in now and gambling on a rate cycle turning against you. The Split, Bank by Bank Here's where the six largest banks stand on where the overnight rate lands by the end of 2026: Bank Year-end 2026 call Stance BMO 2.25% (hold) Hold camp CIBC 2.25% (hold) Hold camp RBC 2.25% (hold) Hold camp TD 2.25% (hold) Hold...
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How to Boost Your Fitness with 30-Second Movement Snacks

If you want to get fitter and healthier this year, you don’t need to spend hours at the gym or follow a strict diet. You can improve your well-being by adding some simple movement snacks to your daily routine.

Movement snacks are short bursts of activity that you can do throughout the day, such as climbing stairs, doing squats, or stretching. They can help you increase your energy, improve your mood, and enhance your cardiorespiratory fitness.

According to a study by McMasters University, even 20-second intervals of vigorous stair climbing, done three times a day, three days a week, can improve your fitness by 5% in six weeks. That’s a significant benefit for a minimal time investment.

To make movement snacks a habit, you can use a technique called habit stacking, which involves linking a new behavior to an existing one. For example, you can do some push-ups while waiting for your coffee to brew, or some lunges while brushing your teeth. The idea is to make movement a natural part of your day, rather than a chore.

Of course, movement snacks are not a substitute for regular exercise, which is essential for your overall health and wellness. But they can be a great way to supplement your workouts, or to get started on your fitness journey. So why not give them a try and see how they make you feel? You might be surprised by the results.

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