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Churchill Falls: A 15% Power Bill Rebate, $10 Billion From Ottawa — What It Means for Your Wallet

  Thursday, August 20, 2026 Last Monday, Prime Minister Mark Carney stood on a pier in St. John's alongside Newfoundland and Labrador Premier Tony Wakeham and Quebec Premier Christine Fréchette to announce what Ottawa is calling the largest clean energy investment in North American history. Buried in the headline numbers — $273 billion in nominal contract value, $10 billion in federal financing, 14,000 megawatts of new hydro capacity — is a much simpler story for ordinary Canadians: who pays what for electricity, for the next 50 years. Here's what actually changed, and what it means for your bills whether you live in St. John's, Montreal, or Ajax, Ontario. The deal it's replacing was historically lopsided To understand why this is a big deal, you need the old one. Under the original 1969 Churchill Falls contract, Quebec locked in the right to buy the vast majority of the plant's power from Newfoundland and Labrador at roughly 0.2 cents per kilowatt-hour — a price th...
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Loyalty Programs: How to Keep Your Points from Expiring

                                 

Canadians love their rewards programs, but keeping track of them all can be difficult. Over 90% of Canadians have joined at least one loyalty program, with the average being more than 12, according to data from one big bank. With all those loyalty programs on the go, a key challenge is to keep the accounts active. Not doing so risks having your points expire, and that’s like leaving money on the table. As a points collector, you should always be in the mindset of earning and burning your points. 

Here are some ways to keep your loyalty programs active:

  • Make some kind of transaction within a 12- to 24-month period.
  • Use apps that help by clearly displaying when your points will expire.
  • Have a co-branded credit card that allows you to earn points on your everyday purchases.
  • Make a purchase with a partner.
  • Donate your points to charity.
  • Transfer points from one loyalty program to another.

Remember, loyalty programs are ruthless. Once your points have expired, the odds of you getting them back are next to none unless you’re willing to pay for them. The easiest way to keep your loyalty programs active is to earn points. That said, if you’re constantly looking for ways to do so, it may be more trouble than it’s worth. It might be better to let your points expire and focus on the programs you regularly benefit from.



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