Current Mortgate Rates for St. Catharines/Niagara area

Rate
Term
5-Year Fixed
3.39%
5-Year VRM
2.70% Prime minus 0.30%

Quote of the Week
Be a yardstick of quality. Some people aren’t used to an environment where excellence is expected.
Steve Jobs

Have a great week!

paulcroteau.jpg

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

Happy Halloween – Monday, October 31, 2011

halloween.jpgAlthough the religious significance of Halloween has passed for the general public, Halloween is a “magical” night for many!

On this magical night years ago, glowing jack-o-lanterns, carved from turnips or gourds, were set on porches and in windows to welcome deceased loved ones, but also to act as protection against malevolent spirits. Burning lumps of coal were used inside as a source of light, later to be replaced by candles.

When European settlers, particularly the Irish, arrived in American they found the native pumpkin to be larger, easier to carve and seemed the perfect choice for jack-o-lanterns. Halloween didn’t really catch on big in this country until the late 1800′s and has been celebrated in so many ways ever since!

Pumpkins are indigenous to the western hemisphere and were completely unknown in Europe before the time of Columbus. In 1584, the French explorer Jacques Cartier reported from the St. Lawrence region that he had found “gros melons”, which was translated into English as “ponpions,” or pumpkins. In fact, pumpkins have been grown in America for over 5,000 years.

Did you know that pumpkins are not a vegetable – they are a fruit!  Pumpkins, like gourds, and other varieties of squash are all members of the Cucurbitacae family , which also includes cucumbers, gherkins, and melons.

Google ‘pumpkin carving’ for an enormous menu of ideas for carving your pumpkin to welcome special visitors to your door this year!

Halloween Party Tips!

Thought we would share these ideas once again to enhance your Halloween event!

1.  Add to your table decor by using a pumpkin to hold your vegetables.  Cut a pumpkin almost in half, cutting the top in a jagged edge design.  Clean it out and dry well.  Display carrots, celery, broccoli, etc. in the pumpkin bowl.  Cut the top off a smaller pumpkin to use as a bowl for vegetable dip.

2.  Take clear food handling gloves (non latex gloves) and fill with water.  Freeze overnight.  Remove the material and add the icy hands to your punch bowl!

3.  To be the scariest looking house on the block, put a strobe light  in the window.  The effect from the outside looks like lightning and will bring all the neighbourhood kids to your door!

halloween-fun.jpg4. Do you like glow sticks?  Purchase a bunch at your local dollar store and attach some to your child’s costume so they can be seen in the dark.  Or, fill black balloons with helium and attach a long string or fishing line (so it is not visible).  Then tie on a glow stick somewhere on  the string/line.  Secure the string somewhere on the ground and let it float over your house for an eerie look.   (FYI: It is not safe for nature to release helium balloons into the sky and St. Catharines by-laws do not permit it.)

Looking for a Halloween Party?

Current Mortgate Rates for St. Catharines/Niagara area

Rate
Term
5-Year Fixed
3.39%
5-Year VRM
2.70% Prime minus 0.30%

Quote of the Week
A real decision is measured by the fact that you’ve taken a new action. If there’s no action, you haven’t truly decided.
Tony Robbins

Have a great week!

paulcroteau.jpg

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

St. Catharines Real Estate has Superior Service

ian-sara.jpgTim provided us with superior service from start to finish. His immediate response to any questions, marketing plan, and industry knowledge are just a few of the reasons why he was a pleasure to deal with and proved to be a real asset during this slower market time. The complimentary services such as home staging was a very nice added touch and helped to sell our house in just one week! This truly puts Tim above his competition. We would highly recommend him and his team for all of your real estate needs.

Sara Holmes and Ian Barrett

A Realtor that goes the ‘Extra Mile’

jay-andrea.jpg“Selling a house is a very stressful time, but having Timothy as our agent has made the experience much more smooth and straightforward than past experiences. This is the second time we have used Tim, and we received the same level of enthusiasm and professionalism as we did the first time. We were comfortable with our asking price because we know that Tim is thorough in his research and prices competitively. Although we listed our house at a slow time of year, we were confident that it would sell with Timothy’s commitment and marketing strategies, and it did! We would definitely recommend Timothy as a very competent and personable realtor, that will always go the extra mile to achieve his clients dreams.”

Jay and Andrea Thomas

Current Mortgate Rates for St. Catharines/Niagara area

Rate
Term
5-Year Fixed
3.29%
5-Year VRM
2.70% Prime minus 0.30%

Quote of the Week
It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you’ll do things differently.
Warren Buffett

Have a great week!

paulcroteau.jpg

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

We sold our home over list price!

audrey-dancy-with-sold-sign.jpgWhat can I say? In a buyer’s market, we sold our house in less than 5 days and over list price!! Everyone on the team was a pleasure to deal with. Timothy was true to his word and everything that was explained to us in our first appointment actually happened. The Salisbury Team provided us a wide range of services (like one-stop shopping), from a complimentary Staging consult to Home Inspectors, etc. He was also very prompt in returning emails or phone messages.

Thanks!

Audrey Dancy