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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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Youth Activists Channel Anger into Hope at COP29 Climate Summit

 

At the COP29 climate summit in Baku, Azerbaijan, young activists from around the world are channeling their frustration and anger into a powerful force for hope and change. Despite facing significant challenges, including the devastating impacts of climate change on their communities and the often limited opportunities to influence decision-making, these young leaders are determined to make their voices heard.

Many of these youth activists have experienced firsthand the harsh realities of climate change. From losing homes and loved ones to extreme weather events, to witnessing the destruction of their natural environments, their anger is fueled by personal loss and a deep sense of urgency. However, rather than succumbing to despair, they are using their experiences to advocate for stronger climate action and more inclusive policies.

Marinel Ubaldo, a 27-year-old activist from the Philippines, exemplifies this spirit. Having survived two catastrophic typhoons as a teenager, she has been a vocal advocate for climate justice at multiple COP summits. “It has become so tiring for me to be just a poster child,” she said. "But I’m going to be positive that this COP could actually bring more clarity".

The summit has also highlighted the mental health impacts of climate change on young people. Experts have emphasized the need for urgent action to address these issues, noting that the psychological burden of climate anxiety is becoming increasingly severe.

Despite the challenges, the youth presence at COP29 is a testament to their resilience and unwavering commitment to a sustainable future. Their message is clear: while they are angry about the current state of the world, they are also hopeful and ready to fight for a better one.


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