Mindblown: a blog about philosophy.

Valentine’s Day occurs every February 14 around the world, and candy, flowers and gifts are exchanged between loved ones, all in the name of St. Valentine Valentine greetings were popular as far back as the Middle Ages, though written Valentine’s didn’t begin to appear until after 1400. By the middle of the 18th, it was…

Canadian mortgage renewal risks are easing due to lower interest rates, with many borrowers expected to renew at reduced rates.Bank CEOs are worried about potential U.S. tariffs on Canadian imports, fearing economic damage and uncertain long-term impacts.

Pay balances three days pre-statement to lower utilization ratios, significantly boosting your credit score quickly.Accept credit limit increases to reduce utilization, improve credit health, and strengthen your profile responsibly.

Canada's housing market in 2025 shows signs of improvement, with lower borrowing costs and new mortgage rules.New rules include 30-year mortgages and higher price caps, making it easier for buyers to qualify.

Breaking a mortgage contract early often results in a penalty fee determined by your interest rate. Penalties for fixed-rate mortgages are typically higher, based on Interest Rate Differential (IRD), while variable rates are simpler.

Using home equity for a second mortgage can fund home projects, education, or debt consolidation. Equity grows through mortgage payments, home improvements, and property value increases over time.