Halloween Safety Tips
BEFORE HALLOWEEN:
- Plan costumes that are bright and reflective. Make sure that shoes fit well and that costumes are short enough to prevent tripping, entanglement 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 or on a bracelet.
- Because a mask can limit or block eyesight, consider non-toxic and hypoallergenic makeup or a decorative hat as a safe alternative.
- When shopping for costumes, wigs and accessories, purchase only those with a label indicating they are flame resistant.
- Think twice before using simulated knives, guns or swords. If such props must be used, be certain they do not appear authentic and are soft and flexible to prevent injury.
- Obtain flashlights with fresh batteries for all children and their escorts.
- 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 smoke alarms.
- Teach children their home phone number and to how call 9-1-1 (or their local emergency number) 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 on fire.
- Openly discuss appropriate and inappropriate behavior at Halloween time.
- Consider purchasing individually packaged healthy food alternatives (or safe non-food treats) for those who visit your home.
- Take extra effort 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.
- Learn or review CPR skills to aid someone who is choking or having a heart attack.
- Consider safe party guidelines when hosting an Adult or Office Party.
Bank of Canada Interest Rates/Adjustments
| May 24, 2006 | July 11, 2006 | September 6, 2006 |
|---|---|---|
| 4.25% | 4.25% | Next meeting date |
| May 25, 2006 | July 12, 2006 | September 7, 2006 |
|---|---|---|
| 6.00% | 6.00% | Next rate review |
| May 10, 2006 | June 29, 2006 | August 8, 2006 |
|---|---|---|
| 5.00% | 5.25% | Next meeting date |
| June 30, 2006 | July 21, 2006 | July 28, 2006 |
|---|---|---|
| 0.8969 | 0.8784 | 0.8835 |
| Bond Type | June 28, 2006 | July 19, 2006 | July 26, 2006 |
|---|---|---|---|
| 1 Year Treasury Bill | 4.58% | 4.37% | 4.35% |
| 3 Year Treasury Bill | 4.50% | 4.26% | 4.19% |
| 5 Year Treasury Bill | 4.53% | 4.30% | 4.25% |
| 10 Year Treasury Bill | 4.63% | 4.43% | 4.38% |
| Province | April 2006 | May 2006 | June 2006 |
|---|---|---|---|
| Newfoundland/Labrador | 1700 | 2200 | 2400 |
| PEI | 500 | 500 | 600 | Newfoundland/Labrador | 1700 | 2200 | 2400 |
| Nova Scotia | 6200 | 5600 | 4200 |
| New Brunswick | 4500 | 3700 | 5800 |
| Quebec | 45100 | 46000 | 46100 |
| Ontario | 71700 | 78100 | 80100 |
| Manitoba | 5600 | 5200 | 5700 |
| Saskatchewan | 3200 | 3300 | 3900 |
| Alberta | 47000 | 51300 | 53100 |
| British Columbia | 39100 | 30500 | 34500 |
| CANADA | 224600 | 226400 | 236400 |
| Seasonally Adjusted June 2006 | Seasonally Adjusted May 2006 | Unadjusted Data June 2006 | Unadjusted Data June 2005 | |
|---|---|---|---|---|
| Dollar Volume ($ millions) | 8,345.9 | 8,366.5 | 10,281.1 | 9,380.8 |
| Unit Sales | 28,185 | 28,429 | 33,783 | 34,451 |
| Average Price ($) | 304,328 | 272,295 | ||
| New Listings | 46,661 | 46,152 | 51,761 | 49,070 |
| City | June 2005 | June 2006 |
|---|---|---|
| Halifax | $184,853 | $201,316 |
| Montreal | $210,740 | $222,879 |
| Ottawa | $254,725 | $260,458 |
| Toronto | $345,065 | $358,035 |
| Calgary | $245,803 | $367,033 |
| Edmonton | $199,409 | $254,240 |
| Vancouver | $422,843 | $508,435 |
| CANADA | $252,745 | $284,747 |
The good news is the September 6th meeting did not find our rates to go up. In fact the three to five year and even the seven-year fixed rates have found themselves to come down from 5.55% to 5.3% over a month. That is great. Kind of like to continuing decrease in the gas prices.
Monthly Housing Statistics
Click here to download the Housing Market Information Monthly Housing Statistics PDF
From the Canada Mortgage and Housing Corporation, September 2006
Investment Opportunities
DISCOVER: This link to a Signature Land Opportunity - a chance to Invest in 97 acres of prime real estate at the heart of one of North America's most sought after real estate markets in Radium, British Columbia...
Mortgage Renewals
When the term on your mortgage expires it is time to renew your mortgage. At this time you will be required to re-negotiate your interest rate based on current market conditions. The bank or financial institution you are currently with will likely offer you a renewal.
You do not, however have to renew with this company and should always consult with “Your Mortgage guy” [Me!] before making a decision. In doing this you will ensure yourself the most competitive rate and term at that time.
It is also possible to renew your mortgage early. You may opt to renew early if the current interest rates are much lower than your interest rate. There are often drawbacks to such early renewals including early payout fees, but these fees might be far less than the money you will save as the new lower interest rate.
If you are not sure it makes sense to renew early, contact Me, “Your Mortgage Guy!” It is also wise to get pre-approved 4 months before your renewal date. This will allow you to hold a rate and again ensure the most competitive rate and term leading up to your date of renewal.
Steve's Rates
| Mortgage Term | Steve's Rates | Bank Rates |
|---|---|---|
| Variable Rate | 3.50% | 6.25% |
| 6 Month Closed | 5.85% | 5.95% |
| 1 Year Closed | 5.35% | 5.75% |
| 2 Year Closed | 5.52% | 5.90% |
| 3 Year Closed | 5.39% | 6.00% |
| 4 Year Closed | 5.36% | 6.15% |
| 5 Year Closed | 5.34% | 6.30% |
| 7 Year Closed | 5.53% | 6.95% |
| 10 Year Closed | 5.74% | 7.40% |
| 15 Year Closed | 6.09% | n/a |
| 18 Year Closed | 6.17% | n/a |
| 25 Year Closed | 6.28% | n/a |
Rates are subject to constant change, for the best rates call 667-9816.
Resources
Business Supporting Business — Thank You:
Insurance
Canyon Insurance covers all your needs, ask for Harry Mason
hmason@canyoninsurance.ca
Musician
claytoni@telus.net
Senotrini Spa & Wellness
www.scentorinispa.com
FCm Travel Solutions
wes.flanagan@fcmtravel.ca
Two Amigos Moving
www.twoamigos.com
Friends Supporting Friends — Thank You:
Evan William's Group
www.evanwilliamsgroup.com
otis & huckleberry
www.otishuck.com
For your Recreational Investments — www.buycanadaproperty.com
WFG SECURITIES OF CANADA
George Negrette
Mutal Fund Representative
P:403-809-7885
E: gnegrette@shaw.ca
A Quote to Note:
Look at a day when you are supremely satisfied at the end. It's not a day when you lounge around doing nothing; it's when you've had everything to do, and you've done it.
- Lord Acton
Contact
At Prolink Mortgage Inc., I have over 30 lending financial mortgage institutions in Canada. With Steve Faux sourcing the best rates and the best products to suit your needs!
Direct Line — 403.667.9816
Direct Fax — 403.509.1007
Email — steve@yourmortgages.ca
Visit www.yourmortgages.ca for more resources.
Even Apply Online →
