Current Mortgate Rates for St. Catharines/Niagara area

Rate
Term
5-Year Fixed 4.05%
5-Year VRM 3.10% Prime plus 0.60%

Quote of the Week
It’s not what happens to you that determines how far you will go in life; it is how you handle what happens to you.
Zig Ziglar

Can you believe how low mortgage rates are now? What a great time to buy or re-finance a home!

Have a great week everyone!

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Paul Croteau
Mortgage Specialist
BMO Bank of Montreal
31 King Street
St. Catharines, ON
ph: (905) 321-3230
fx: (905) 641-7854
Paul.Croteau@bmo.com

Earth Hour

This year, Earth Hour has been transformed into the world’s first global election, between Earth and global warming.

In 2009, Earth Hour is being taken to the next level, with the goal of 1 billion people switching off their lights as part of a global vote. Unlike any election in history, it is not about what country you’re from, but instead, what planet you’re from. VOTE EARTH is a global call to action for every individual, every business, and every community. A call to stand up and take control over the future of our planet. Over 74 countries and territories have pledged their support to VOTE EARTH during Earth Hour 2009, and this number is growing everyday.

We all have a vote, and every single vote counts. Together we can take control of the future of our planet, for future generations.

VOTE EARTH by simply switching off your lights for one hour, and join the world for Earth Hour.

Saturday, March 28, 8:30-9:30pm.

For further information visit http://www.earthhour.org/

Welcome to 71 Carlton Street St. Catharines Ontario Canada

UPDATE: This property has been SOLD!

Please use our online complimentary St. Catharines Ontario real estate search to find similar available listings.

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This St. Catharines home is priced at $109,786.00!

A must see!! Bungalow features just under 700 square feet which is ideal for first time buyers or a newly retired couple.  This home comes with many updates including  kitchen, laminate flooring on the main floor, most of its main floor windows having been changed except the back porch. For additional living space there are two bedrooms on the lower level and  a recreation room. A bonus with this home being centrally located, is that it’s ideal for schooling, bus routes and surrounding amenities.  With its ample fenced backyard it has great potential for either a garage or additional living space.  This home is complete with its own private single driveway.  Property Taxes are approximately $1,434.00 for 2008.

For further information on this home, you can go here or please contact Timothy 800-467-8498 or email him.

For more picture of this home, visit here. For other homes, please go to the listings page of St. Catharines Real Estate or the blog listings section.

For St. Catharines attractions, you can visit:

Tour St. Catharines
St. Catharines on WorldWeb
St. Catharines Website

Welcome to 3360 Church Street in Vineland, Ontario Canada

UPDATE: This property has been SOLD!

Please use our online complimentary St. Catharines Ontario real estate search to find similar available listings.

The price has been adjusted!  This Bungalow in Vineland is now priced at $214,900.00!

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This Bungalow in Vineland is priced at $229,900.00!

This home is situated in Vineland on a quiet street. This brick bungalow has been maintained and features 3 bedrooms on the main floor. From its country sized kitchen and dinette, to its formal living room complete with wood burning fireplace, this home is accented throughout with hardwood flooring. Also on the main floor off the kitchen, you could either have a cozy den or an in-home office which also has access to the single attached garage.

Downstairs has plenty of room for storage and is ready to be finished to fit your needs. Presently there is a bar area and a partial recreation room. This home has a large private yard and close enough to all the surrounding amenities.

For further information on this home, please contact Timothy 1-800-467-8498 or email him.

For more information on this home, please visit here. For information on other homes, please go to the listings page of St. Catharines Real Estate or the blog listings section.

For attractions in or around Vineland, please visit:

Twenty Valley  – The scenic Twenty Valley route links the towns of Beamsville, Jordan and Vineland in Niagara’s wine and orchard region and is home to a myriad of galleries, boutiques, spas and natural attractions.

Ball’s Falls Conservation Area

Kacaba Vineyards

Vineland Estates Winery

Jordan Village

Welcome to 15 Rockwood Avenue St. Catharines Ontario Canada

UPDATE: This property has been SOLD!

Please use our online complimentary St. Catharines Ontario real estate search to find similar available listings.

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This St. Catharines home is priced at $149,900!

In central “Secord Woods” This 3+1 bedroom maintenance free exterior bungalow with just over 950 square feet, with spacious living room and kitchen/dinette combination comes with plenty of kitchen cupboards and pantry. There is hardwood flooring throughout the main floor. 2-4 piece bathrooms and a large recreation room complete with a natural woodburning fireplace set in a brick hearth and wet bar downstairs.  This property has a partially finished fenced yard, own storage shed with a single car driveway and room to make into a double. If a 1st time buyer, the other nice bonus to this house is that all 5 appliances are included in the purchase price. The property taxes for 2008 are $2,451.00.

For further information on this home, please contact Timothy 1-800-467-8498 or email him.

For more pictures of this home, please click here. For other homes I have listed, visit St. Catharines Real Estate listings page or the listings section of the blog.

For St. Catharines attractions, you can visit:

Tour St. Catharines
St. Catharines on WorldWeb
St. Catharines Website

What is the first day of spring all about?

spring.jpgYou don’t have to look far to see signs of spring are all around us daily lately. From the budding of the trees and the warming of the temperatures to the animals coming out of their winter hideouts, there seems to be a promise of new birth and color in the springtime air.

springflowers1.gifThe first day of spring in Canada is considered to be around March 20 or 21; depending on what day the vernal equinox occurs. This is when the sun sits directly above the equator on its apparent trip northward. Of course this sun isn’t moving; the Earth is. As Earth revolves around the sun, the top half, called the Northern Hemisphere, becomes tilted more toward the sun as winter turns to spring. Meanwhile the bottom half, the Southern Hemisphere, becomes tilted more away from the sun. So it is autumn for people in Australia and the southern parts of Africa and South America.

Unequal equinox

The word “equinox” comes from Latin and means “equal nights.” Around March 20, sunrise and sunset are about twelve hours apart everywhere on Earth. Because of that, a lot of people think that day and night are of equal length on March 20. But actually the day is a little longer than the night on this date. There are a few reasons for that. Sunrise occurs when the top of the sun (not the center) is on the horizon. But the sun actually appears to be above the horizon when it is in fact still below it. That’s because Earth’s atmosphere refracts or “bends” light coming from the sun, so we see the sun a couple of minutes before it actually rises over the horizon. If you add the daylight that persists after sunset, you’ll find the day on the equinox is several minutes longer than the night.

Variety in Spring Weather

storms.jpgIn Canada, spring is a time of transition not only for plant and animal life, but for the weather too. It can mean weather extremes from very cold and snowy days to humid and stormy days. Some of the country’s biggest snowfalls have occurred in March, and the period from March to May is the time of year when much of the south is most likely to get severe thunderstorms with hail and even tornadoes. This is why the beginning of spring is a good time to put together a plan for what you and your family would do in case of a severe thunderstorm or tornado.

Balancing an Egg – You say!

balancingegg.jpgHas anyone ever told you that you can balance a raw egg on end on the first day of spring? They think that somehow the pull of gravity is more equal on this day because the sun is more directly overhead. There is no scientific support for this. The egg legend apparently got its start in 1945 when a reporter for Life Magazine wrote a story about a Chinese ritual in which people stood eggs on end on the first day of spring. But the Chinese recognized the first day of spring in early February, or about six weeks before the spring equinox! Later, in 1983, one hundred New Yorkers got together on March 20 to balance eggs, and an article about the event appeared in the New Yorker magazine. A year later, five thousand New Yorkers repeated the tradition on the first day of spring, and the egg legend grew.

The truth is that if you can get a raw egg to balance upright on the spring equinox, you can get it to balance any other day of the year. The pull of gravity or the position of the sun in the sky has nothing to do with it. So don’t spread this unscientific rumour, or you’ll end up with egg on your face!

The History of St. Patrick’s Day (3/17)

stpatricksday.gifSt. Patrick’s Day is celebrated on March 17, his religious feast day and the anniversary of his death in the fifth century. The Irish have observed this day as a religious holiday for over a thousand years.

On St. Patrick’s Day, which falls during the Christian season of Lent, Irish families would traditionally attend church in the morning and celebrate in the afternoon. Lenten prohibitions against the consumption of meat were waived and people would dance, drink, and feast-on the traditional meal of Irish bacon and cabbage.

The First Parade

The first St. Patrick’s Day parade took place not in Ireland, but in the United States. Irish soldiers serving in the English military marched through New York City on March 17, 1762. Along with their music, the parade helped the soldiers to reconnect with their Irish roots, as well as fellow Irishmen serving in the English army.

Over the next thirty-five years, Irish patriotism among American immigrants flourished, prompting the rise of so-called “Irish Aid” societies, like the Friendly Sons of Saint Patrick and the Hibernian Society. Each group would hold annual parades featuring bagpipes (which actually first became popular in the Scottish and British armies) and drums.

In 1848, several New York Irish aid societies decided to unite their parades to form one New York City St. Patrick’s Day Parade. Today, that parade is the world ‘s oldest civilian parade and the largest in the United States, with over 150,000 participants.

Each year, nearly three million people line the one-and-a-half mile parade route to watch the procession, which takes more than five hours. Boston, Chicago, Philadelphia, and Savannah also celebrate the day with parades including between 10,000 to 20,000 participants.

No Irish Need Apply

Up until the mid-nineteenth century, most Irish immigrants in America were members of the Protestant middle class. When the Great Potato Famine hit Ireland in 1845, close to a million poor, uneducated, Catholic Irish began to pour into America to escape starvation. Despised for their religious beliefs and funny accents by the American Protestant majority, the immigrants had trouble finding even menial jobs. When Irish Americans in the country’s cities took to the streets on St. Patrick’s Day to celebrate their heritage, newspapers portrayed them in cartoons as drunk, violent monkeys.

However, the Irish soon began to realize that their great numbers endowed them with a political power that had yet to be exploited. They started to organize, and their voting block, known as the “green machine,” became an important swing vote for political hopefuls. Suddenly, annual St. Patrick’s Day parades became a show of strength for Irish Americans, as well as a must-attend event for a slew of political candidates. In 1948, President Truman attended New York City ‘s St. Patrick’s Day parade, a proud moment for the many Irish whose ancestors had to fight stereotypes and racial prejudice to find acceptance in America.

Wearing of the Green Goes Global

Today, St. Patrick’s Day is celebrated by people of all backgrounds in the United States, Canada, and Australia. Although North America is home to the largest productions, St. Patrick’s Day has been celebrated in other locations far from Ireland, including Japan, Singapore, and Russia.

In modern-day Ireland, St. Patrick’s Day has traditionally been a religious occasion. In fact, up until the 1970s, Irish laws mandated that pubs be closed on March 17. Beginning in 1995, however, the Irish government began a national campaign to use St. Patrick’s Day as an opportunity to drive tourism and showcase Ireland to the rest of the world. Last year, close to one million people took part in Ireland ‘s St. Patrick’s Festival in Dublin, a multi-day celebration featuring parades, concerts, outdoor theater productions, and fireworks shows.