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Lock In or Stay Variable? What Every Canadian Homeowner Must Decide Before April 29

   Bank of Canada headquarters, Ottawa. Overnight rate held at 2.25% since October 2025. Next decision: April 29, 2026.  The Bank of Canada has held its rate at 2.25% for three straight decisions — but with inflation creeping back up, a Middle East conflict pushing oil prices, and over one million mortgage renewals on the horizon, the stakes of getting this wrong have never been higher. The Canadian Money Brief April 25, 2026 6 min read THE CANADIAN MONEY BRIEF BANK OF CANADA 2.25% 2.25% POLICY RATE HELD SINCE OCT. 2025 · THIRD CONSECUTIVE HOLD NEXT DECISION: APR. 29, 2026 If your mortgage is coming up for renewal in the next six to eighteen months, the question keeping you up at night is probably this: do I lock in a fixed rate now — or do I ride out a variable rate and hope the Bank of Canada does something helpful? It's the right question to be asking. And right now, the answer is more complicated — and more consequential — than it has been in years. The Bank of Canada...
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How to Train Your Brain Like a Pro: Five Science-Backed Tips from Neuroscientists

Your brain is the most complex and powerful organ in your body, and it needs proper care and maintenance to function optimally. Neuroscientists, who study the brain and nervous system, have some tips on how to keep your brain healthy and sharp as you age. Here are five simple habits you can adopt to boost your brain power, according to neuroscientists.

  • Brain health industry boom: The global industry of products and services that claim to support brain health is valued at US $140-billion and expected to grow rapidly, partly due to the projected rise of cognitive disorders in the aging population.
  • Healthy lifestyle choices: Experts say that exercising regularly, abstaining from cigarettes and alcohol, and spending quality time with loved ones can reduce the risk of brain disease by as much as 30 per cent.
  • Hidden threat of social media: Experts warn that social media addictions can erode attention span and hinder deep thought, and suggest replacing scrolling with more cognitively stimulating activities, such as digital games, creative pursuits, reading fiction, or meditation.
  • Best daily practices for brain training: Experts recommend five daily practices that can improve memory, attention, creativity, and social cognition: physical activity, digital games, a creative pursuit, quality time with loved ones, and meditation or self-reflection.
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