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5 Things to Know Today: BoC Hike Bets, TSX Slide, Oil Near $100 (Oct. 23)

  Canadian Money Brief • Friday, October 23, 2026 The Bank of Canada decision is five days away, the TSX gave back most of Wednesday's gains, and oil is flirting with US$100 again. Here are the five things Canadian wallets need to know today. 1. Markets Lean Toward a Bank of Canada Hike on Oct. 28 A decision that looked like a ninth straight hold is now a genuine coin flip with a hawkish tilt. After Governor Tiff Macklem warned that there is "no resolution in sight" for the Middle East conflict, BMO and Desjardins flipped to a hike call, Scotiabank firmed up its call and Goldman Sachs joined them, all looking for a quarter-point move to 2.50%. Overnight swaps priced about an 87% chance of a hike earlier this week, though other economists still argue for a hold, pointing to September's 68,000 job losses and a 6.5% unemployment rate. What it means for you: A quarter-point hike adds roughly $21 a month in interest for every $100,000 of variable-rate borrowing (HELOCs an...
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The Hidden Costs of “Falling Back”: Navigating the Side Effects of Daylight Saving Time

 

As we approach the end of Daylight Saving Time (DST) and prepare to “fall back” by setting our clocks back one hour, it’s important to understand the potential side effects of this biannual time shift. While gaining an extra hour of sleep might sound appealing, the transition can have several impacts on our health and daily routines.

Sleep Disruption

One of the most immediate effects of the DST switchover is the disruption of our sleep patterns. Although we gain an extra hour of sleep, this change can still disturb our circadian rhythms, leading to temporary sleep issues. It may take a few days for our bodies to adjust to the new schedule, which can result in feelings of grogginess and fatigue.

Mental Health Impacts

The reduction in daylight hours can also affect mental health. Seasonal Affective Disorder (SAD), a type of depression that occurs at certain times of the year, often during the fall and winter months, can be exacerbated by the earlier onset of darkness. The lack of natural light can lead to feelings of sadness, lethargy, and a general decrease in mood.

Physical Health Concerns

The shift in time can also have physical health implications. Studies have shown that the transition can lead to an increase in heart-related issues, such as heart attacks and strokes, particularly during the spring forward period. While the fall back transition is generally less severe, it can still pose risks, especially for those with pre-existing health conditions.

Safety Risks

With the change in daylight hours, there is also an increased risk of accidents. The earlier onset of darkness means that both drivers and pedestrians face reduced visibility during peak travel times, which can lead to a higher incidence of traffic accidents.

Tips for a Smooth Transition

To mitigate the side effects of the DST switchover, consider the following tips:

  • Maintain a Consistent Sleep Schedule: Try to go to bed and wake up at the same time every day, even on weekends.
  • Get Plenty of Natural Light: Spend time outdoors during daylight hours to help regulate your circadian rhythm.
  • Stay Active: Regular physical activity can help improve your mood and energy levels.
  • Be Mindful of Safety: Use extra caution when driving or walking during darker hours.

By being aware of these potential side effects and taking proactive steps, you can better navigate the transition and maintain your well-being during the DST switchover.


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