Sunday November 1st, is coming this weekend.

This is the date we change our clocks back to Standard Time. Spring forward -Fall back.

This is also the best time to replace the batteries in your smoke alarms and carbon monoxide detectors.

If your smoke alarm is over 10 years old it is recommended that it be replaced. They have a life span of about 10 years.

Carbon monoxide detectors are a different matter; they have a life span of about 5 years before they should be replaced.

This is also a good time to get into the habit of testing your smoke alarm on a regular basis.

A candle will smolder after it is blown out. This smoke should activate the smoke alarm if placed directly below it.

REMEMBER: Only WORKING smoke alarms save lives!

Test YOUR smoke alarms and carbon monoxide detectors today.

T.

Timothy Salisbury
Broker
Royal LePage Niagara Real Estate Centre Inc., Brokerage
www.timothysalisbury.com
email@timothysalisbury.com
office ( 905) 937-6000
Toll Free 1-800-467-8498

P.S.: Remember, a referral is sending someone you care about to someone you respect. Please don’t keep me a secret! Who is the next person you know looking to buy or sell real estate?

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Halloween is the one of the oldest holidays still celebrated today. It’s one of the most popular holidays, second only to Christmas. While millions of people celebrate Halloween without knowing its origins and myths, the history and facts of Halloween make the holiday more fascinating.

Some people view Halloween as a time for fun, putting on costumes, trick-or-treating, and having theme parties. Others view it as a time of superstitions, ghosts, goblins and evil spirits that should be avoided at all costs.

As the Christian debate goes on, celebrating Halloween is a preference that is not always viewed as participating in an evil holiday. Halloween is often celebrated with no reference to pagan rituals or the occult.

The History Halloween

Halloween is on October 31st, the last day of the Celtic calendar. It was originally a pagan holiday, honoring the dead. Halloween was referred to as All Hallows Eve and dates back to over 2000 years ago.

All Hallows Eve is the evening before All Saints Day, which was created by Christians to convert pagans, and is celebrated on November 1st. The Catholic church honored saints on this designated day.

The Origin of Halloween

While there are many versions of the origins and old customs of Halloween, some remain consistent by all accounts. Different cultures view Holloween somewhat differently but traditional Halloween practices remain the same.

Halloween culture can be traced back to the Druids, a Celtic culture in Ireland, Britain and Northern Europe. Roots lay in the feast of Samhain, which was annually on October 31st to honor the dead.

Samhain signifies “summers end” or November. Samhain was a harvest festival with huge sacred bonfires, marking the end of the Celtic year and beginning of a new one. Many of the practices involved in this celebration were fed on superstition.

The Celts believed the souls of the dead roamed the streets and villages at night. Since not all spirits were thought to be friendly, gifts and treats were left out to pacify the evil and ensure next years crops would be plentiful. This custom evolved into trick-or-treating.

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Quote of the Week
Action is the foundational key to all success.
Pablo Picasso

Have a great week!

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

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Tags: St.-Catharines, Niagara, Canada, Mortgage-Rates, Paul-Croteau, Mortgage-Specialist, Bank-of-Montreal

Being from out of town, we appreciated Timothy’s detailed computerized market analysis of our investment property. He provided us valuable useful information for the purpose of selling our home.

Wayne & Marie Windjack

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Hey Bloggers,

The C.M.H.C. Press Release for the month of September just came out…seems new housing starts in the Niagara Region are down over September of 2008 by 32% and St. Catharines is down 38%. Not great news but remember that the interest rates are still very low and many great buying opportunities before the end of the year. We expect the real estate spring market (which is from February to May) to be very active and, in some cases, multiple offer situations for sellers on well priced homes.

2009_10_08_0815_eoc.pdf

Any questions on this or anything else relating to real estate market. Don’t hesitate to call or e-mail me.

T

Timothy Salisbury
Broker
The Salisbury Team
Royal LePage Niagara Real Estate Centre Inc., Brokerage
Toll Free - 1-800-467-8498
Office - 905-937-6000
View My Website and my Blog at www.timothysalisbury.com
P.S. The best compliment we can ever receive, is when you tell others about us.

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Tags: St.-Catharines-Real-Estate, Canada-Home-Construction, Timothy-Salisbury, Canada-Mortgage-and-Housing-Corporation, CMHC

Quote of the Week
A miser grows rich by seeming poor. An extravagant man grows poor by seeming rich.
William Shakespeare

Have a great week!

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

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Tags: St.-Catharines, Niagara, Canada, Mortgage-Rates, Paul-Croteau, Mortgage-Specialist, Bank-of-Montreal

Timothy, you understood and listened to our specific needs and our situation.  We did not feel as if we were “just another seller”.  You set out a plan, followed it and before we knew it our house was sold. Terrific that the house sold so quick and it didn’t drag on.

Harry & Sherry Baker

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Tags: St.-Catharines-Real-Estate, Timothy-Salisbury