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Lock In or Wait? Why Two Big Banks Say Rates Are Going Up in October

  Published September 2, 2026 The Bank of Canada did exactly what all 35 economists in Reuters' latest poll expected today: it held its overnight rate at 2.25% for a sixth straight decision, keeping the prime rate at 4.45%. Bond markets had priced in barely a 3% chance of anything else. What's not settled is what happens next — and on that question, Canada's biggest banks are more split than they've been all year. Four of the Big Six expect the Bank to sit tight through the end of 2026. Two expect it to start hiking as soon as October. If you're renewing a mortgage in the next few months, that gap isn't academic — it's the difference between locking in now and gambling on a rate cycle turning against you. The Split, Bank by Bank Here's where the six largest banks stand on where the overnight rate lands by the end of 2026: Bank Year-end 2026 call Stance BMO 2.25% (hold) Hold camp CIBC 2.25% (hold) Hold camp RBC 2.25% (hold) Hold camp TD 2.25% (hold) Hold...
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"The only way to do great work is to love what you do," by Steve Jobs

Steve Jobs' quote, "The only way to do great work is to love what you do," underscores the importance of passion and enthusiasm in achieving remarkable accomplishments. 

Here are a few thoughts on this quote:

1. Passion Fuels Excellence: When you're genuinely passionate about something, it becomes more than just a job; it becomes a calling. This passion provides the energy and determination needed to excel in your field.

2. Perseverance: Loving what you do can help you endure the challenges and setbacks that inevitably come your way. It's much easier to overcome obstacles when you're driven by passion.

3. Innovation: People who are passionate about their work are more likely to think creatively and come up with innovative solutions. This can lead to groundbreaking discoveries and improvements.

4. Inspiration: Passionate individuals often inspire others around them. When you're deeply committed to your work, you can inspire your colleagues and even future generations to strive for greatness.

5. Satisfaction and Fulfillment: When your work aligns with your passion, it brings a deep sense of satisfaction and fulfillment. Your career becomes a source of joy and purpose in your life.

6. Continuous Learning: Passionate individuals are more likely to invest time and effort in continuous learning and self-improvement, which can further enhance their abilities and impact.

7. Balancing Work and Life: When you love what you do, it can make achieving a work-life balance easier, as work becomes an enjoyable part of your life rather than just a necessity.

In essence, Steve Jobs' quote encourages us to find our true passions and pursue them with dedication. When you do what you love, you're more likely to make a significant impact, find satisfaction, and lead a fulfilling life.







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