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BoC Decision Day: What a Hold at 2.25% Means for Your Mortgage

  Published September 2, 2026 Tomorrow's date has been sitting at the bottom of every Canadian Money Brief for weeks, and it's finally here. The Bank of Canada announces its overnight rate decision on Wednesday, September 2 at 9:45 a.m. ET, with Governor Tiff Macklem holding a press conference at 10:30. Every economist polled by Reuters — all 35 of them — expects the same outcome: a hold at 2.25%, the eighth straight meeting without a move. That's the headline. The more useful question for your wallet is what a "boring" hold actually does — and doesn't do — to your mortgage, and why two of the Big Six banks think the boring streak is about to end. Why a hold is the almost-certain call The Bank has a genuinely awkward setup heading into this meeting. On one side, the economy just posted its best quarter in years: GDP grew at a 3.3% annualized pace in the second quarter, well ahead of the Bank's own 2.5% forecast, and July's jobs report added a blowout ...
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Bat Cupcakes

 

Ingredients:

  • Chocolate Cupcakes: You can use homemade or store-bought.
  • Chocolate Frosting: Homemade or store-bought.
  • Candy Googly Eyes: Found in the baking section of most grocery or craft stores.
  • Mini Oreos: For the bat’s face.
  • Regular Oreos: Split and broken in half to create the bat wings.

Instructions:

  1. Frost the Cupcakes: Pipe a generous layer of chocolate frosting on each cupcake.
  2. Prepare the Bat Wings: Twist apart regular-sized Oreos and scrape off the filling. Break each half into two pieces to create wings.
  3. Make the Bat Faces: Dab two small dots of frosting onto each mini Oreo and press a candy googly eye onto each dot.
  4. Assemble: Insert two Oreo wings into the frosting at the top of each cupcake. Place a mini Oreo with googly eyes in front of the wings to create the bat’s face.

Happy baking! 🧁🦇

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