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Bank of Canada Holds at 2.25% — What the Fine Print Means for You

  July 15, 2026  |  Canadian Money Brief The Bank of Canada held its policy rate at 2.25% today, exactly as every economist surveyed expected. The number didn't move — but the story underneath it did. Between renewed oil-market chaos, a stubbornly hot inflation reading, and an economy that's finally showing signs of life, this "boring" hold decision was anything but simple. If you've been following our preview piece from earlier this week , this is the follow-up: what actually happened, and what it means for your mortgage, your savings, and your grocery bill. The Decision, in Plain English This marks the sixth consecutive hold since the Bank's last cut back in October 2025. The overnight rate stays at 2.25%, the Bank Rate at 2.5%, and the deposit rate at 2.20%. Bank prime — the number that actually determines your variable mortgage or line of credit rate — stays put at 4.45%. Governor Tiff Macklem has described this level as sitting near the bottom of the Bank...
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A New Dawn in Alzheimer’s Prevention: The AHEAD 3-45 Study


The AHEAD 3-45 study represents a beacon of hope for individuals like Tyson Haller, who, at 60, is determined to understand and possibly prevent the onset of Alzheimer’s—a disease that claimed his father. This groundbreaking clinical trial is testing lecanemab, an FDA-approved drug that has shown promise in slowing Alzheimer’s progression in its early stages. The optimism surrounding this trial is palpable, as it could herald a new era where Alzheimer’s is as manageable as Type 2 diabetes.

  • Family History’s Weight: Haller’s participation is driven by his family’s battle with Alzheimer’s, highlighting the emotional and proactive steps taken by those at risk.
  • Lecanemab’s Potential: The trial’s focus on lecanemab, a drug targeting beta amyloid plaques in the brain, offers a glimpse into a future where early intervention could significantly slow the disease’s impact.
  • Scientific Debate: Despite the excitement, there’s a scientific debate about beta amyloid’s role in Alzheimer’s, underscoring the complexity of finding a definitive treatment.
  • Awaiting Results: With the AHEAD and TRAILBLAZER prevention trials running until 2027 and 2029, patients, doctors, and researchers are in a state of limbo, hopeful yet uncertain of the long-term outcomes.

This study not only represents a potential turning point in Alzheimer’s research but also embodies the personal stories of those fighting to preserve their memories and identities against this relentless disease.

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