Grey Cup Contest 2014

The CFL Grey Cup game is happening this Sunday, November 30th at BC Place in Vancouver, BC. Game time is approximately 6 PM EST. The Hamilton Tiger Cats play against the Calgary Stampeders. Just add a comment for the Salisbury Team GREY CUP Contest and you could WIN a Fabulous Prize!!

If there is more than one winner, a draw will be held for the prizes. Winners will be announced in the next newsletter.
Don’t delay – Deadline for entry is Sunday, November 30th just before kick off!!!

http://www.ticats.ca/

http://www.stampeders.com/

Current Mortgage Rates

TERM                  RATE

5 Year Fixed        2.99%

5 Year VRM         2.40% Prime minus 0.60%

 

QUOTE OF THE WEEK

“Life is 10% what happens to me and 90% of how I react to it.&rquo;

– Charles Swindoll

Mortgage Expertise at your doorstep 24/7

Paul Croteau, AMP Mortgage Specialist BMO Bank of Montreal
Phone: (905) 321-3230 Fax: (905) 641-7854 Paul.croteau@bmo.com

Current Mortage Rates

TERM                  RATE

2 Year Fixed        2.59%

5 Year Fixed        2.99%

5 Year VRM         2.40% Prime minus 0.60%

 

QUOTE OF THE WEEK

Motivation is a fire from within. If someone else tries to light that fire under you, chances are it will burn very briefly.

– Stephen R. Covey

Mortgage Expertise at your doorstep 24/7

Paul Croteau, AMP Mortgage Specialist BMO Bank of Montreal
Phone: (905) 321-3230 Fax: (905) 641-7854 Paul.croteau@bmo.com

Remembrance Day 2014

rememberAs each year passes, it seems like we take more notice of our veterans and have more gratitude for those men and women who served in our wars of yesteryear and today.  As you remember, please continue to remember our veterans locally.  Your support of the Legion helps to off-set costs of medical equipment, home services and long-term care for ex-service men and women in our community, and assist them with Niagara Hospice and retirement homes.  Remembering always …not just November 11th.

The Poppy

Remembrance Day is symbolized by the artificial poppies that people wear and place at war memorials. The poppies may be worn or placed singly or as wreaths. The use of the poppy as a symbol of remembrance comes poppyfrom a poem written by John McCrae, a Canadian doctor serving in the military. The poem is called “In Flanders Fields” and describes the poppies growing in the Flemish graveyards where soldiers were buried.

Poppies grow well in soil that has been disturbed. They also grew in large numbers on battle fields. The red color of their petals reminded people of the blood lost by victims of and casualties in the conflict.

Other symbols of Remembrance Day are the war memorials, which are often near the geographical center of communities. These commemorate members of the community, who have died in military action. A particularly well-known memorial is the Tomb of the Unknown Soldier in Ottawa, Ontario. The military parades held on November 11 are also symbolic of Remembrance Day.

If you would like to gain more insight into what Remembrance Day in Canada means, check out Veteran Affairs Canada  which will provide you with information on why we should remember, who and what we should remember, and how we should remember.

Remembrance Day – A National Holiday?

soldiersOur NDP Party is in the works of amending Bill C-597, which would amend the Holidays Act to make Remembrance Day a statutory day off like Christmas or Canada Day.  It passed a second reading in the House of Commons this past Wednesday by a margin of 258 to 2.

However, it would be up to the individual provinces where Nov. 11 is currently not a holiday — Ontario, Quebec, Nova Scotia and Manitoba, representing slightly more than half the country’s working population — to change their individual labour codes.  Harris said he’s confident the measure will become law, particularly in light of the recent deaths of two Canadian soldiers — tragic attacks that remain fresh in the minds of Canada’s federal parliamentarians.

Warrant Officer Patrice Vincent was killed Oct. 20 in Quebec when he was hit by a car driven by a man with jihadist sympathies. Two days later, Cpl. Nathan Cirillo was gunned down while standing guard at the National War Memorial.

The lingering memory of the attacks is expected to spill over into a collective show of mourning during Remembrance Day services across the country on Tuesday.

It is predicted that making Remembrance Day a national statutory holiday will result in more people attending remembrance services.  If the bill passes before the next election, scheduled for next October 2015, the bill will be in force for November 11, 2015.

(taken from the Globe and Mail, November 2015)

Current Mortgage Rates

TERM                  RATE

5 Year Fixed        2.99%

5 Year VRM         2.40% Prime minus 0.60%

 

QUOTE OF THE WEEK

A personal doesn’t last long on what they have done. They need to keep on delivering.” 

– Carl Hubbell

Mortgage Expertise at your doorstep 24/7

Paul Croteau, AMP Mortgage Specialist BMO Bank of Montreal
Phone: (905) 321-3230 Fax: (905) 641-7854 Paul.croteau@bmo.com

Halloween 2014

pumpkinsThe fall weather has been a pleasant surprise lately, but winter will soon be upon us!  Hope it will hold out for a great Halloween night for kids and adults alike.  Read on for some tips on carving your pumpkin like an expert and staying safe on Halloween night.

T.

Pumpkin Carving

carvingCarving a pumpkin is easy, according to Tom Nardone of Extreme Pumpkins. Although many of the methods he uses apply to anyone, he gives a few suggestions, shortcuts and tricks on carving the perfect pumpkin.

Here are Tom’s Top 8 Pumpkin Carving Tips:

1. Choose the right pumpkin. I like them taller than they are wide because that is the shape of a face. I also like them big and ugly because that makes them look interesting.

carving22. Decapitation or Back Surgery?: You don’t have to take off the top, you can also take of the bottom or the back,. I cut off the bottom if I want the top to look untouched and I cut off the back if I want to use the entire front, top, and bottom for a design. Regardless, you do want to get in there and remove the seeds, if you don’t the squirrels will.

3. Cutting the Plug: Decapitating is the toughest thing to do, the top of the pumpkin is woody and tough. You need a strong blade. I use a drywall saw for this. They don’t cost much, about $6 and they are hard to match. If I didn’t have one, I’d use a filet knife and I’d be cautious. Cut the plug to be a cone-shape with a little jog in it, so that it comes out easily and fits back easily too.

carving34. Scoop the goop: I use my ice cream scoop. Not only that, but I’ve gotten my arm dirty enough times to have developed a way to stay fairly clean. Scrape around the sides, starting from the hole opening to the bottom. Then, after all of the walls are scraped, dump the pumpkin into the trash. Easy!

5. Draw the face: I use dry erase markers because if you don’t like your work, you can erase it! Also, after you are done, your pumpkin won’t end up with an accidental layer of guy-liner that screams “sloppy”.

6. I’m really lazy, so I use power tools to carve my pumpkins. Sure, a kit from the store will do the trick, but I want it done quickly. Mostly I use my jigsaw to remove chunks (like eyes and the mouth) and then a rotary tool to carve away the skin. For big areas I’m not afraid to break out an angle grinder. It removes the pumpkin skin and can even be used to shape the pumpkin.

carving47. Great Props Are Everywhere. I look for fun props everywhere, but my favorite places are the grocery store, home depot, and the craft store. I like to use twizzlers for dreadlocks, wood chips for teeth, taffy for tongues, home insulation for brains, all sorts of things. I’ve become the best pumpkin carver on the block by using some really cheap gags and you can too.

8. Preserving Your Pumpkin: Pumpkins rot. But yours doesn’t have to rot as quickly. When my pumpkin is done, I spray it with bathroom cleaner with bleach. This keeps the bugs, mold, and animals away.

Now to find the perfect place to show off your creation!  Enjoy!

Halloween Safety

…from our Fire Department

BEFORE HALLOWEEN NIGHT 

  • costumePlan costumes that are bright and reflective. Make sure shoes fit well and costumes are short enough to prevent tripping, entanglemnent or contact with flame.
  • Consider adding reflective tape or striping to costumes and trick or treat bags for greater visibility.
  • Secure  emergency identification (name, address, phone number) discreetly within Halloween attire.
  • Because a mask can limit or block eyesight, consider non-toxic makeup or a decorative hat as a safe alternative.
  • Plan ahead to use only battery powered lanterns or chemical lightsticks in place of candles in decorations and costumes.
  • This is also a great time to buy fresh batteries for your home smoke alarm.
  • Teach children their home phone number and how to call 9-1-1 if they have an emergency or become lost. Remind them that 9-1-1 can be dialed free from any phone.
  • Review with your children the principle of “Stop-Drop-Roll” should their clothes catch fire.
  • Take extra time to eliminate tripping hazards on your porch and walkway. Check around your property for flower pots, low tree limbs, support wires or garden hoses that may prove hazardous to young children rushing from house to house.

BEFORE NIGHTFALL ON HALLOWEEN

  • ghost-lightsA good meal prior to parties and trick-or-treating will discourage youngsters from filling up on Halloween treats.
  • Consider safety when decorating.  Do not overload electrical outlets with holiday lighting or special effects, and do not block exterior doors.  To light up your path or sidewalk, why not take some empty plastic bottles, paint on a face and throw in a glow stick?  Safe and easy!
  • While children can help with the fun of designing a Jack O’ Lantern, leave the carving to adults.
  • Always keep Jack O’Lanterns and hot electrical lamps away from drapes, decorations, flammable materials or areas where children or pets will be standing or walking.
  • Plan and review with your children the route and behaviour which is acceptable to you.
  • Do not permit children to bicycle, roller blade or skateboard.
  • Agree on a specific time when revelers must return home.
  • Confine, segregate or otherwise prepare the household pets for an evening of frightful sights and sounds.  Be sure that all dogs and cats are wearing collars and proper identification tags.
  • Remind all household drivers to remain cautious and drive slowly throughout the community.
  • Adult party-goers should establish and reward a designated driver.

Current Mortgage Rates

TERM                  RATE

5 Year Fixed        2.99%

5 Year VRM         2.40% Prime minus 0.60%

 

QUOTE OF THE WEEK

Happiness is not something readymade.  It comes from your own actions.” 

– Dalai Lama

Mortgage Expertise at your doorstep 24/7

Paul Croteau, AMP Mortgage Specialist BMO Bank of Montreal
Phone: (905) 321-3230 Fax: (905) 641-7854 Paul.croteau@bmo.com