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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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Unlocking Credit Card Mastery: Insider Secrets for Maximum Rewards


Credit cards aren’t just about convenience—they can be powerful financial tools when used strategically. Super users, those who maximize every perk, know the secrets to turning everyday spending into meaningful rewards.

Key Strategies from Super Users

  • Stack Rewards: Pair cards with complementary benefits—like one for groceries and another for travel—to maximize cash back.
  • Leverage Sign-Up Bonuses: Many cards offer lucrative welcome bonuses that can be worth hundreds of dollars in points or cash.
  • Optimize Categories: Track rotating or boosted categories (e.g., dining, gas, streaming services) to ensure you’re swiping the right card at the right time.
  • Redeem Smartly: Points often have greater value when redeemed for travel or experiences rather than simple statement credits.
  • Stay Fee-Savvy: Annual fees can be worthwhile if the rewards outweigh the cost, but super users always calculate the trade-off.

The Takeaway

Credit card mastery isn’t about spending more—it’s about spending smarter. By carefully choosing cards, tracking categories, and redeeming rewards strategically, everyday purchases can translate into free flights, luxury perks, or serious cash back.


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