Current Mortgage Rates

5-Year Fixed 6.04%
6-Year VRM 3.75 / 5.625%, Plus 0.50% cash back!

Quote of the Week

“The first duty of love is to listen.”
Paul Tillich

Paul Croteau
Mortgage Specialist
BMO Bank of Montreal
ph: (905) 321-3230
fx: (905) 641-7854

Sisters seek help for sweet baby Riley (cont.)

Bloggers, We had a blog entry a few weeks back about Riley. Here is a follow-up story and a way we can also help!

On Jan. 19, they’re hosting a 7:30 p.m. fundraising party featuring the music of Flat Broke and John Boyd at the Armenian Community Centre on Martindale Road. Tickets are only $ 5.00 at the door. More information at Friends of Riley on Facebook. It’s also a place to gather donations and a forum for support.


Here is the article in St. Catharines Standard about Riley.

Fire Safety

My full-time investment specialist, Karl Regier, and myself help many clients purchase properties while their child(ren) attend Colleges or Universities (in our area, Niagara College and Brock University). Their children have an affordable place to stay and, at the same time, the parents are able to make some additional money.

When young people attend a college or university, they will often be living away from home for the first time. This can be a concern for parents as they try to ensure their children will be safe when they’re not living under the same roof.

The following is important fire safety information that every student should know before moving away from home. Parents should discuss these basic fire safety rules with their kids before dropping them off at their new home.

Also, if you have any stories, questions or experiences that you would like to share and have posted in our blog, please let us know by emailing us at and share with other parents.

Timothy Salisbury & Karl Reiger

Cooking is the number one cause of home fires in Ontario. If the student accommodation has cooking facilities, there are some basic fire safety rules they must follow to prevent cooking fires:

  • A stovetop fire can start in a flash, so stay in the kitchen when something is cooking on the stove.
  • Keep all combustible items a safe distance away from the stove. This includes tea towels, wooden or plastic spoons, and paper towels.
  • Keep a pot lid near the stove to smother flames if a fire starts in a pot.

The use of candles is becoming more and more popular, especially among young people. To prevent candle fires:

  • Use tea lights or votive candles in non-combustible containers.
  • Place the candles in a location where they can’t be knocked over or come in contact with combustible items.
  • Blow out all candles before leaving the room or going to bed.

Fires caused by smoking can be deadly. Even if they don’t smoke themselves, chances are the student will have friends that do. To prevent smoking fires:

  • Encourage smokers to go outside.
  • Keep large, deep ashtrays on hand that will reduce the risk of ashes and cigarette butts falling onto rugs or upholstery.
  • Allow ashes to cool completely before disposing.

Electrical Equipment
Overloaded circuits and octopus wiring are dangerous electrical hazards that can be avoided. To prevent fires caused by electrical equipment:

  • Use an approved power bar with a circuit breaker and surge protector to plug in computer and stereo equipment.
  • Avoid the use of extension cords as permanent wiring.
  • Make sure electrical cords are not concealed under carpets or rugs where they can be easily damaged.

Space Heaters
The central heating systems in older accommodations are often supplemented with space heaters. To prevent heating fires:

  • keep the space heater at least one metre away from anything that can burn, such as paper, bedding, furniture, and curtains.
  • Turn off the space heater before going out or going to bed.

Social Gatherings
Parties are as much a part of student life as attending classes. While most student parties are harmless fun, the consumption of alcohol combined with cooking or smoking can create a serious fire risk. To minimize the risk of fires during or after parties:

  • Avoid overcrowding. The more people attending the party, the easier it is to lose control of the situation.
  • Encourage guests to smoke outside. Consider putting up no smoking signs that direct guests to an outside smoking area.
  • Refrain from burning candles during parties. They can easily be knocked over or ignite nearby combustibles, unnoticed.

Smoke Alarms
If a fire does occur, it is critical that the dwelling have working smoke alarms to alert occupants as soon as possible.

  • The responsibility for smoke alarm installation and maintenance lies with the homeowner or landlord, however, it is a good idea for parents to provide their child with a smoke alarm for his or her bedroom.
  • It is against the law for tenants to disable or tamper with a smoke alarm.
  • If a smoke alarm activates due to steam from the shower or cooking on the stove, oven or toaster, ask the landlord to remove the alarm and put it in a different location, or install a smoke alarm with a pause feature.

Fire Escape Planning
When the smoke alarm sounds, everyone must know what to do and where to go. Encourage students to develop a fire escape plan, keeping the following in mind:

  • Know two ways out of every room, if possible. The first way out would be the door, while an alternate escape may be a window that can be exited safely. Make sure all designated escape routes are accessible and free of clutter.
  • Leave the building as quickly as possible. Once outside, don’t re-enter the building for any reason.
  • Call 9-1-1 from outside the building using a cell phone or neighbours phone.

Current Mortgage Rates

5-Year Fixed 6.09%
6-Year VRM 5.625%, Plus 0.50% cash back

Quote of the Week

“Always do what you are afraid to do.”
Ralph Waldo Emerson

Paul Croteau
Mortgage Specialist
BMO Bank of Montreal
ph: (905) 321-3230
fx: (905) 641-7854

Townhomes Boosted Home Starts In The St. Catharines-Niagara CMA

This is a press release from Canada Mortgage and Housing Corporation (CMHC).

If you’re interested in learning about the growth in our area, this is worth reading. Are you one of those that had a townhome built or a home? We’d be interested in learning about why you decided to build rather than purchase. Please share your stories with us?


TORONTO, DECEMBER 10, 2007 – Preliminary figures released today by Canada Mortgage and Housing Corporation (CMHC) show that a total of 97 homes got underway in November in the St. Catharines-Niagara CMA, up 23 per cent from November 2006. While single-detached home starts slid by 11 per cent, multiple family home starts (the majority of which were townhomes) increased by 109 percent, boosting overall starts. Construction was up in most municipalities, with the exception of Fort-Erie, Niagara-on-the-Lake, Pelham and Thorold.

Housing starts for the past eleven months, however, slipped by 12 per cent compared to the same period in 2006. On a submarket basis, year-to-date starts were down in most of the municipalities, but continued to grow in Fort Erie, Niagara Falls and Pelham.

“We continue to see strength in multiple-family home construction” commented David Lan, CMHC Housing Market Analyst. “Townhomes are becoming very popular because many buyers consider them as a more affordable alternative to new single-detached homes.”


Note: Statistics Canada defines a census metropolitan area (CMA) as one or more adjacent municipalities integrated with an urban core. A CMA must have a total population of at least 100,000 of which 50,000 or more must live in the urban core.

Canada Mortgage and Housing Corporation (CMHC) has been Canada’s national housing agency for over 60 years. CMHC is committed to helping Canadians access a wide choice of quality, affordable homes, while making vibrant, healthy communities and cities a reality across the country. For more information, visit or call 1 800 668-2642.


Aussi disponible en français

For additional information please contact / Pour obtenir de plus amples
renseignements, veuillez communiquer avec:

Local: David Lan, (416) 575-8458 or
En français: David Lan, (416) 575- 8458 ou
Ontario: Ted Tsiakopoulos, (416) 218-3407 or
Canada: Bob Dugan, (613) 748-4009 or

Your Family’s Safety

My full-time investment specialist, Karl Regier, and myself help many clients purchase properties while their child(ren) attend Colleges or Universities (in our area, Niagara College and Brock University). Their children have an affordable place to stay and, at the same time, the parents are able to make some additional money.

The following information will help you determine if the potential accommodation will make the grade when it comes to fire safety or not.

Also, if you have any stories, questions or experiences that you would like to share and have posted in our blog, please let us know by emailing us at and share with other parents.

Timothy Salisbury & Karl Reiger

Smoke Alarms
It is the law in Ontario to have working smoke alarms on every storey and outside all sleeping areas. The law applies to single family, semi-detached, townhomes and apartments (including basement apartments), whether owner-occupied or rented. Rooming houses have specific regulations about smoke alarms or fire alarm systems. In addition to smoke alarms within each unit or suite, apartment building and student residences operated by the school may also have a building fire alarm system. Make sure the landlord, administrator or superintendent identifies and explains the fire alarm and detection features in the building and unit.

Carbon Monoxide Alarms
The Ontario Building Code requires carbon monoxide (CO) alarms in new buildings that maintain a fuel-fired appliance. However, many existing buildings were constructed prior to this requirement and may not be equipped with CO alarms. If the building has a fuel-fired (natural gas, oil, propane or wood) appliance, a CO alarm should be installed. Check with the fire department or municipal office to determine if there are by-laws requiring CO alarms.

Fire Separations
Students often find accommodation in older homes that have been converted to apartments or rooming houses. At the time of the conversion, a building permit should have been obtained to ensure that fire safety features such as proper exits and fire separations between units are provided. Ask the owner if the property complies with the Building Code and Fire Code and to explain the fire safety features.

It is important to consider how people will escape from a room or apartment in an emergency. Every room or apartment requires adequate exits that will permit unobstructed escape from the building. Make sure to ask the landlord or superintendent to identify all of the designated exits. All windows and doors should open fully and easily. Stairways and hallways must not be used for storage as this can pose serious fire safety hazards. Furniture and other obstacles can physically block exits and may fill hallways or stairways with smoke if they catch fire. This practice must be strictly avoided.

Fire Escape Plans
In a fire emergency, everyone must know what to do and where to go. Large apartment buildings and student residence buildings require a fire safety plan, which informs the occupants about emergency procedures. Ask the building administrator or superintendent to explain the procedures in the fire safety plan.

Small apartment buildings and houses that have been converted to apartments or lodging rooms may not have a fire safety plan, however, it’s a good idea to ensure there are two ways out of the unit. The alternate way out can be a window that can be safely exited in an emergency.

Some property owners install bars on windows as a security measure. While this may seem appealing from a security point of view, it can prevent students from escaping in an emergency situation. Security bars on windows should be equipped with a quick-opening device on the inside so the bars can be removed quickly.

Electrical Safety
Many buildings offering lodging to students are older homes that may not have upgraded wiring. Outlets in bathrooms or within one metre of the kitchen sink, should be the Ground Fault Circuit Interrupter (GFCI) type. Consider the number and location of electrical outlets in the room or apartment. There should be enough outlets so that appliances such as lamps, computer equipment and stereos can be operated without the use of extension cords. If extension cords can’t be avoided, use multi-outlet power bars that are approved and provide surge protection and a circuit breaker. Make sure that electrical cords of any kind are not concealed under carpets or rugs where they can be easily damaged. Avoid overloaded circuits and octopus wiring.

For more information:
Contact the administration offices of the college or university. They will frequently maintain a registry of available accommodation for students. Call the local fire department to determine if the building has been inspected for Fire Code compliance.

Electrical safety tips and information about common electrical hazards can be found at the Electrical Safety Authority Website.

Fire safety tips and information can be found at the Office of the Fire Marshal’s Website.

New Business in St. Catharines

Local Bloggers,

A new business has opened up in St. Catharines. I have been going now to the Migun Centre maybe 2 times a week for the past 4 weeks or so and have really found an overall difference. My back is usually very tight and the Migun treatments have been very beneficial to me. Here is their info below.

Question – Has anyone else been to the centre and if so, what have you experienced?


Timothy Salisbury
The Salisbury Team
Royal LePage Niagara Real Estate Centre Inc., Brokerage
Toll Free – 1-800-467-8498
Office – 905-937-6000
View My Website at
When Buying or Selling, please remember me!


 MIGUN Centre * 333 Ontario Street * St. Catharines, ON * L2R 5L3 * 905-228-4246


At the NEW MIGUN demonstration centre in St. Catharines near Boston Pizza and next to Tim Horton’s. Open Monday through Friday 10 AM to 7PM and Saturdays 10AM to 4PM.

In the first eight weeks of opening we have had over 250 users. Many of them have become repeat users and have reported wellness improvements from better sleep, reduced arthritic pain, reduced glucose levels, reduced migraine headaches, reduced chronic pain, decreased stress and increased energy.

The MIGUN Thermal Massage Bed is inspired by principles of Acupuncture, Acupressure, Massage, Far-Infrared, and Chiropractic. Other users report lower blood pressure, reduced digestive disorders, lower blood cholesterol levels, reduced menopausal symptoms, improved sinus issues and improved circulation.

“University of Irvine’s Anatomy and Neurobiology Department says it’s like having a chiropractor, neurologist and acupressurist all rolled into one”

The MIGUN massage beds have been approved as a Class II Medical Device by the FDA in the United States and by Health Canada. The American Chiropractic Association has endorsed these beds as an adjunct to their professional procedures.

It has also been documented by the Journal of Vetebral Subluxation Research that regular use of the MIGUN massage bed will help many people to control high blood pressure as well as regulate blood glucose levels in Type II Diabetes.