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The Fed Decides Wednesday — Here's What It Means for Your Mortgage, the Loonie, and Your RRSP

  Monday, July 27, 2026 The U.S. Federal Reserve hands down its rate decision at 2 p.m. ET on July 29. For most Canadians it will feel like background noise. It isn't — here's the plain-language version of why it touches your mortgage, your cross-border spending, and whatever's sitting in your RRSP. The short version: Markets are pricing roughly a two-in-three chance the Fed holds its rate at 3.50%–3.75% on Wednesday. That's not the story. The story is that this is one of the least certain "sure thing" holds in years — and Chair Kevin Warsh's press conference at 2:30 p.m. ET could matter more than the decision itself. Why this meeting is different The Fed has held its benchmark rate steady at 3.50%–3.75% through every meeting so far in 2026. On paper, Wednesday should be more of the same. Under the hood, it's messier. Persistent inflation, running well above the Fed's 2% target for a fifth straight year, has kept a rate hike on the table. The oil-...
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Gingerbread Cookies

Ingredients:

- 3 cups all-purpose flour

- 3/4 cup brown sugar

- 1/2 cup unsalted butter, softened

- 1/2 cup molasses

- 1 egg

- 1 teaspoon baking soda

- 1 teaspoon ground cinnamon

- 1 teaspoon ground ginger

- 1/2 teaspoon ground cloves

- 1/4 teaspoon salt


Instructions:

1. Mix Dry Ingredients: In a medium bowl, whisk together the flour, baking soda, cinnamon, ginger, cloves, and salt.

2. Cream Butter and Sugar: In a large bowl, beat the butter and brown sugar until light and fluffy. Then, add in the egg and molasses and mix well.

3. Combine: Gradually add the dry ingredients to the butter mixture, blending well after each addition.

4. Chill: Divide the dough in half, flatten into disks, wrap in plastic wrap, and refrigerate for at least 2 hours.

5. Roll and Cut: Preheat your oven to 350°F (175°C). Roll out the dough on a lightly floured surface to about 1/4 inch thickness. Cut into shapes using cookie cutters.

6. Bake: Place the cookies on a parchment-lined baking sheet. Bake for 8-10 minutes or until the edges are firm. Let them cool on the baking sheet for a few minutes before transferring to a wire rack to cool completely.

7. Decorate: Once cooled, you can decorate the cookies with icing and sprinkles as desired.


I hope you have fun baking these! 

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