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Lock In or Stay Variable? What Every Canadian Homeowner Must Decide Before April 29

   Bank of Canada headquarters, Ottawa. Overnight rate held at 2.25% since October 2025. Next decision: April 29, 2026.  The Bank of Canada has held its rate at 2.25% for three straight decisions — but with inflation creeping back up, a Middle East conflict pushing oil prices, and over one million mortgage renewals on the horizon, the stakes of getting this wrong have never been higher. The Canadian Money Brief April 25, 2026 6 min read THE CANADIAN MONEY BRIEF BANK OF CANADA 2.25% 2.25% POLICY RATE HELD SINCE OCT. 2025 · THIRD CONSECUTIVE HOLD NEXT DECISION: APR. 29, 2026 If your mortgage is coming up for renewal in the next six to eighteen months, the question keeping you up at night is probably this: do I lock in a fixed rate now — or do I ride out a variable rate and hope the Bank of Canada does something helpful? It's the right question to be asking. And right now, the answer is more complicated — and more consequential — than it has been in years. The Bank of Canada...
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Getting Kids Ready for Back to School: Tips for a Smooth Transition


As summer winds down, the excitement and anticipation of a new school year begin to build. Preparing your kids for back to school can be a fun and rewarding experience with a bit of planning and organization. Here are some tips to help ensure a smooth transition:

1. Establish a Routine

Start adjusting your child’s sleep schedule a week or two before school begins. Gradually move bedtime earlier and wake them up closer to the time they’ll need to get up for school. This helps their bodies adjust and makes the first week back less of a shock.

2. Organize School Supplies

Make a list of necessary school supplies and involve your child in the shopping process. Letting them choose their notebooks, pens, and backpacks can make them more excited about the new school year. Don’t forget to label everything with their name!

3. Create a Study Space

Set up a dedicated, clutter-free area for homework and studying. Ensure it’s well-lit and stocked with all the supplies they might need. Having a specific spot for schoolwork can help kids focus and develop good study habits.

4. Review and Refresh

Spend some time reviewing last year’s material to refresh their memory. This can be done through fun activities like educational games or reading together. It helps ease them back into the learning mindset.

5. Discuss Expectations

Talk to your child about what to expect in the new school year. Discuss any changes, such as a new teacher or classroom, and address any concerns they might have. Setting clear expectations can reduce anxiety and build confidence.

6. Plan Healthy Meals

Good nutrition is crucial for learning and concentration. Plan balanced breakfasts and pack nutritious lunches. Involve your child in meal planning and preparation to teach them about healthy eating habits.

7. Encourage a Positive Attitude

Help your child approach the new school year with a positive mindset. Encourage them to set goals and talk about the exciting opportunities ahead. Celebrate their achievements, no matter how small, to build their confidence.

8. Stay Involved

Stay engaged with your child’s education by attending school events, meeting their teachers, and keeping track of their progress. Your involvement shows that you value their education and are there to support them.

By following these tips, you can help your child feel prepared and excited for the new school year. Remember, a positive and organized start can set the tone for a successful and enjoyable year ahead. 

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