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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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Navigating Divorce: The Power of Pre-Nuptial Agreements

 

When it comes to marriage, love and commitment are often at the forefront of our minds. But what about practical considerations? What happens when love fades, and the practicalities of dividing assets and responsibilities come into play? That’s where pre-nuptial agreements (pre-nups) step in.

The ideal outcome with a pre-nup is that you never need to use it. However, life is unpredictable, and there are countless scenarios where having a pre-nup would’ve been helpful. Even for younger couples who may not have significant assets yet, there are compelling reasons to consider one.

Pre-nups aren’t just about safeguarding existing assets. They can also protect what you accumulate during the marriage. Imagine a scenario where one partner inherits a substantial sum from their parents and invests it in the matrimonial home. Without a pre-nup, that windfall could become a point of contention during a divorce. By addressing these financial aspects upfront, couples can avoid messy disputes later on.

Having children significantly impacts a marriage. Whether it’s one parent becoming a stay-at-home caregiver or dealing with daycare costs while both work, children change everything. Pre-nups can provide predictability in divorce proceedings, especially when it comes to spousal support. Sacrifices made for child-rearing should be acknowledged and protected.

Pre-nups can also address growth on assets, whether it’s property or investment accounts. Consider a home brought into the marriage. If the marriage lasts a decade, the property’s value likely appreciates significantly. Without a provision in the pre-nup, an ex-spouse could claim half of that increase. Protecting growth ensures fairness and clarity.

Pre-nups aren’t about planning for failure; they’re about planning for a successful marriage. By addressing financial matters upfront, couples can navigate divorce more smoothly if it ever becomes necessary. So, before you say “I do,” consider the practical side of love and explore the power of pre-nuptial agreements.


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