| This edition of Weekly Rate Minder has the latest mortgage rates for Ontario mortgages. At Dominion Lending Centres, we work on your behalf to find the mortgage that suits your needs. Best of all - our service is "free".* It's the selected lender that pays us and YOU get the best rate. *(O.A.C., E.&O.E.) | ||||||||||||||||||||||||||||||||
• Explore Mortgage Scenarios with Helpful Calculators on gregbarrow.ca | ||||||||||||||||||||||||||||||||
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Variable rate mortgages from as low as Prime + .30% Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals. Some conditions may apply. Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – check with your Dominion Lending Centres Mortgage Expert for full details. *O.A.C., E.& O.E. | ||||||||||||||||||||||||||||||||
Friday, July 31, 2009
Ontario Mortgage Rates
Wednesday, July 29, 2009
Pay off your mortgage faster
Saving thousands of dollars and shaving years off a mortgage is easier than you think. Follow these tips below and if you have any questions, please feel free to call me so I can explain.
#1) Increase the frequency of your payments
If you're paying your mortgage on a monthly basis, you can arrange to switch your payments to half of the monthly payment amount on a bi-weekly basis. As a result, you'll actually make 26 payments a year.Most homeowners don't miss the extra amount they pay but always notice the savings that add up from this simple strategy.
#2) Take advantage of increased payment options
Most lenders allow allow a certain percentage increase to your monthly or bi-weekly payments throughout the term of the mortgage. The additional amount you pay goes straight to principal and it is not that difficult to make the adjustment in your lifestyle to afford the extra amount.
#3) Take advantage of lump-sum payments
In addition to increased payment options, most lenders offer the opportunity to make lump-sum payments on a mortgage. Annual bonuses or tax refunds provide a great opportunity to take advantage of this option. An annual lump-sum payment of just 2% is all it takes for many homeowners to pay off their mortgage years ahead of schedule.
#4) Take a shorter amortization
In addition to the strategies listed above, some home buyers choose to shorten their amortization period from the industry-standard 25 years to 10, 15 or 20 years instead. The result is slightly higher mortgage payments but significant interest savings over time.
Friday, July 24, 2009
Can you afford a new house?
[Source - Chatelaine]
Dreaming of better digs? According to the Canadian Mortgage and Housing Corporation (CMHC), there are two main factors to consider before making that dream a reality: your income, and the amount you already owe for other loans and payments. Use our housing budget calculator to figure out the maximum amount you can spend on housing – you may be able to live larger than you think. Our calculator tells you if your dream is feasible, but, as Andy Hammond, CMHC manager of business development says, it's only a first step. Other factors influence what you can purchase, such as the size of your down payment and current mortgage rates. And of course, you still have to cover your living expenses. "It's important to do a cash flow exercise, where you sit down with your family and decide what kind of lifestyle you want to have," says Hammond.
Here is the calculator on Chatelaine: Housing Budget Calculator
Here are mortgage calculators on my wesbite: Mortgage Calculators
Thursday, July 23, 2009
Mortgage Rates in Toronto, Ontario
| This edition of Weekly Rate Minder has the latest mortgage rates for Ontario mortgages. At Dominion Lending Centres, we work on your behalf to find the mortgage that suits your needs. Best of all - our service is "free".* It's the selected lender that pays us and YOU get the best rate. *(O.A.C., E.&O.E.) | ||||||||||||||||||||||||||||||||
• Explore Mortgage Scenarios with Helpful Calculators on gregbarrow.ca | ||||||||||||||||||||||||||||||||
| ||||||||||||||||||||||||||||||||
Variable rate mortgages from as low as Prime + .30% Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals. Some conditions may apply. Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – check with your Dominion Lending Centres Mortgage Expert for full details. *O.A.C., E.& O.E. | ||||||||||||||||||||||||||||||||
Tuesday, July 21, 2009
Bank of Canada maintains overnight rate target at 1/4 per cent
[Source - Bank of Canada]
OTTAWA – The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/4 per cent. The Bank Rate is unchanged at 1/2 per cent and the deposit rate is 1/4 per cent.
The global economy has suffered an intense, synchronous recession and considerable excess supply has opened up. There are now increasing signs that economic activity has begun to expand in many countries in response to monetary and fiscal policy stimulus and measures to stabilize the global financial system. However, the recovery is nascent. Effective and resolute policy implementation remains critical to sustained global growth.
The dynamics of the recovery in Canada remain broadly consistent with the Bank's medium-term outlook in its April Monetary Policy Report (MPR). Stimulative monetary and fiscal policies, improved financial conditions, firmer commodity prices, and a rebound in business and consumer confidence are spurring domestic demand growth. However, the higher Canadian dollar, as well as ongoing restructuring in key industrial sectors, is significantly moderating the pace of overall growth.
Some of the early strength in domestic demand represents a bringing forward of household expenditures, which modestly alters the profile of growth over the projection period relative to the April MPR. The Bank projects that the economy will contract by 2.3 per cent in 2009 and then grow by 3.0 per cent in 2010 and 3.5 per cent in 2011, reaching production capacity in the middle of 2011.
Total CPI inflation declined to -0.3 per cent in June and should trough in the third quarter of this year before returning to the 2 per cent target in the second quarter of 2011 as aggregate supply and demand return to balance. Core inflation held up at 1.9 per cent in the second quarter of 2009. The Bank still expects core inflation to diminish in the second half of this year before gradually returning to 2 per cent in the second quarter of 2011.
While the underlying macroeconomic risks to the projection are roughly balanced, the Bank judges that, as a consequence of operating at the effective lower bound, the overall risks to its inflation projection are tilted slightly to the downside.
Conditional on the outlook for inflation, the target overnight rate can be expected to remain at its current level until the end of the second quarter of 2010 in order to achieve the inflation target. Consistent with this conditional commitment, the Bank will continue to conduct longer-term Purchase and Resale Agreements based on existing terms and conditions and according to the accompanying schedule.
The Bank retains considerable flexibility in the conduct of monetary policy at low interest rates, consistent with the framework outlined in the April MPR.
Information note:
A full update of the Bank's outlook for the economy and inflation, including risks to the projection, will be published in the MPR on 23 July 2009. The next scheduled date for announcing the overnight rate target is 10 September 2009.
OTTAWA – The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/4 per cent. The Bank Rate is unchanged at 1/2 per cent and the deposit rate is 1/4 per cent.
The global economy has suffered an intense, synchronous recession and considerable excess supply has opened up. There are now increasing signs that economic activity has begun to expand in many countries in response to monetary and fiscal policy stimulus and measures to stabilize the global financial system. However, the recovery is nascent. Effective and resolute policy implementation remains critical to sustained global growth.
The dynamics of the recovery in Canada remain broadly consistent with the Bank's medium-term outlook in its April Monetary Policy Report (MPR). Stimulative monetary and fiscal policies, improved financial conditions, firmer commodity prices, and a rebound in business and consumer confidence are spurring domestic demand growth. However, the higher Canadian dollar, as well as ongoing restructuring in key industrial sectors, is significantly moderating the pace of overall growth.
Some of the early strength in domestic demand represents a bringing forward of household expenditures, which modestly alters the profile of growth over the projection period relative to the April MPR. The Bank projects that the economy will contract by 2.3 per cent in 2009 and then grow by 3.0 per cent in 2010 and 3.5 per cent in 2011, reaching production capacity in the middle of 2011.
Total CPI inflation declined to -0.3 per cent in June and should trough in the third quarter of this year before returning to the 2 per cent target in the second quarter of 2011 as aggregate supply and demand return to balance. Core inflation held up at 1.9 per cent in the second quarter of 2009. The Bank still expects core inflation to diminish in the second half of this year before gradually returning to 2 per cent in the second quarter of 2011.
While the underlying macroeconomic risks to the projection are roughly balanced, the Bank judges that, as a consequence of operating at the effective lower bound, the overall risks to its inflation projection are tilted slightly to the downside.
Conditional on the outlook for inflation, the target overnight rate can be expected to remain at its current level until the end of the second quarter of 2010 in order to achieve the inflation target. Consistent with this conditional commitment, the Bank will continue to conduct longer-term Purchase and Resale Agreements based on existing terms and conditions and according to the accompanying schedule.
The Bank retains considerable flexibility in the conduct of monetary policy at low interest rates, consistent with the framework outlined in the April MPR.
Information note:
A full update of the Bank's outlook for the economy and inflation, including risks to the projection, will be published in the MPR on 23 July 2009. The next scheduled date for announcing the overnight rate target is 10 September 2009.
Understanding Your Credit Report and Credit Score
[Source - Financial Consumer Agency of Canada]
If you have ever taken out a loan, used a credit card or taken advantage of a “buy now, pay later” offer, you will have a credit history.
Whenever a financial institution, such as a bank, a credit card company, or any other business gives you credit, it may send information about whether or not you make your payments on time to a credit-reporting agency. Credit-reporting agencies, also known as credit bureaus, are businesses that collect information about you and how long it takes you to pay back money you have borrowed. This information is called your “credit history”. When you want to borrow money in the future, the lender will check with a credit-reporting agency to see if you have a good credit history.
Having a good credit history is very important. If your credit history is poor, a lender can refuse to give you a loan. You may not be able to get a mortgage to buy a new house, or take out a personal loan. If the lender does decide to give you the loan, a poor credit history may mean you will have to pay a higher interest rate. A poor credit history can affect you in other ways, too. For example, a landlord may refuse to rent you an apartment because of a poor credit history.
A credit-reporting agency provides information about credit history in two ways, as a credit report and as a credit score.
The Financial Consumer Agency of Canada has published a very informative document providing tips about building and maintaining credit. To download the document - click here
If you have ever taken out a loan, used a credit card or taken advantage of a “buy now, pay later” offer, you will have a credit history.
Whenever a financial institution, such as a bank, a credit card company, or any other business gives you credit, it may send information about whether or not you make your payments on time to a credit-reporting agency. Credit-reporting agencies, also known as credit bureaus, are businesses that collect information about you and how long it takes you to pay back money you have borrowed. This information is called your “credit history”. When you want to borrow money in the future, the lender will check with a credit-reporting agency to see if you have a good credit history.
Having a good credit history is very important. If your credit history is poor, a lender can refuse to give you a loan. You may not be able to get a mortgage to buy a new house, or take out a personal loan. If the lender does decide to give you the loan, a poor credit history may mean you will have to pay a higher interest rate. A poor credit history can affect you in other ways, too. For example, a landlord may refuse to rent you an apartment because of a poor credit history.
A credit-reporting agency provides information about credit history in two ways, as a credit report and as a credit score.
The Financial Consumer Agency of Canada has published a very informative document providing tips about building and maintaining credit. To download the document - click here
Tuesday, July 14, 2009
Recent Mortgage Rates in Toronto
| This edition of Weekly Rate Minder has the latest, best mortgage rates for Canadian mortgages. At Dominion Lending Centres, we work on your behalf to find the mortgage that suits your needs. Best of all - our service is "free".* It's the selected lender that pays us and YOU get the best rate. *(O.A.C., E.&O.E.) | ||||||||||||||||||||||||||||||||
• Explore Mortgage Scenarios with Helpful Calculators on gregbarrow.ca | ||||||||||||||||||||||||||||||||
| ||||||||||||||||||||||||||||||||
Variable rate mortgages from as low as Prime + .30% Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals. Some conditions may apply. Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – check with your Dominion Lending Centres Mortgage Expert for full details. *O.A.C., E.& O.E. | ||||||||||||||||||||||||||||||||
Monday, July 13, 2009
GTA Resale Housing Market Posts Best June on Record
[Source - Toronto Real Estate Board]
In June 2009, Greater Toronto REALTORS® reported a record 10,955 sales, up 27 per cent from June 2008. The seasonally adjusted annual rate of sales in June was 100,700.
"The record result in June is testament to the fundamentally sound housing market in the GTA," said the Toronto Real Estate Board’s newly appointed President Tom Lebour. "An increasing number of households have been confident in purchasing a home in the region’s affordable and diverse resale housing market."
The average price for June transactions was $403,972 – up by two per cent compared to the
same month last year.
"The re-emergence of seller’s market conditions has exerted upward pressure on home prices,"
explained Jason Mercer, TREB's Senior Manager of Market Analysis. "Look for sales to remain
high relative to listings in the second half of the year. This will keep home prices growing."
Read June Market Watch
In June 2009, Greater Toronto REALTORS® reported a record 10,955 sales, up 27 per cent from June 2008. The seasonally adjusted annual rate of sales in June was 100,700.
"The record result in June is testament to the fundamentally sound housing market in the GTA," said the Toronto Real Estate Board’s newly appointed President Tom Lebour. "An increasing number of households have been confident in purchasing a home in the region’s affordable and diverse resale housing market."
The average price for June transactions was $403,972 – up by two per cent compared to the
same month last year.
"The re-emergence of seller’s market conditions has exerted upward pressure on home prices,"
explained Jason Mercer, TREB's Senior Manager of Market Analysis. "Look for sales to remain
high relative to listings in the second half of the year. This will keep home prices growing."
Read June Market Watch
Recent Mortgage & Real Estate News Items
Time is right to buy a home: real estate group
[Source - JEREMY ASHLEY, THE INTELLIGENCER]
The time may be right to jump into the local housing market, according to the president of the local real estate organization.
Local real estate numbers downward slide as compared to the heydays only a few short months ago, according to numbers released by the Quinte and District Real Estate Board this week.
As a result, the time is ripe for buyers to jump in and walk away with a bargain, said board president Roy Millar.
"There were 344 sales in June," said Millar, which represented about a six per cent drop as compared to the same month last year.
"Of those sales, 309 were residential, representing 90 per cent of the market," said the local real estate agent.
The remaining 35 units were a mix of vacant land or commercial, industrial or multiplex sales, Millar added.
While the highest percentage of sales were between $100,000 and $300,000, Millar said the challenging economic climate pummel lower and high-end house sale prices in the region.
"The under-$100K and the over-300K market has been decreasing, which seems to be a result of our economic times. Belleville's average sale price for the month of June is the same as the Belleville overall average for the last 12 months, hovering around $190,000," he noted.
There may be a glimmer of hope on the horizon, however.
Looking long-term, Millar said the market seems to "indicate that pricing will be going up as well as interest rates, over the next few years.
"So now seems to be a very good time to buy, but stay well within your budget," Millar advised.
Turnaround in second quarter of 2009 quite remarkable
[Source - National Post - Friday, July 10, 2009]
Canada's housing market has bounced back sufficiently from an "awful winter" for prices and unit sales to stabilize by the end of the year, Royal LePage said this week.
The real estate firm forecast in its latest survey that the 2009 national average house price will be down by 2% at $297,500 by year-end. That's up from its January forecast of a 3% decline.
It sees a 1% drop in unit sales to 430,000. Its forecast in January was for 416,000 sales.
"Given the grim shape that Canada's real estate market was in this past winter, the turnaround we have witnessed in the second quarter is really quite remarkable," said Phil Soper, president and CEO of Royal LePage Real Estate. Reuters
[Source - JEREMY ASHLEY, THE INTELLIGENCER]
The time may be right to jump into the local housing market, according to the president of the local real estate organization.
Local real estate numbers downward slide as compared to the heydays only a few short months ago, according to numbers released by the Quinte and District Real Estate Board this week.
As a result, the time is ripe for buyers to jump in and walk away with a bargain, said board president Roy Millar.
"There were 344 sales in June," said Millar, which represented about a six per cent drop as compared to the same month last year.
"Of those sales, 309 were residential, representing 90 per cent of the market," said the local real estate agent.
The remaining 35 units were a mix of vacant land or commercial, industrial or multiplex sales, Millar added.
While the highest percentage of sales were between $100,000 and $300,000, Millar said the challenging economic climate pummel lower and high-end house sale prices in the region.
"The under-$100K and the over-300K market has been decreasing, which seems to be a result of our economic times. Belleville's average sale price for the month of June is the same as the Belleville overall average for the last 12 months, hovering around $190,000," he noted.
There may be a glimmer of hope on the horizon, however.
Looking long-term, Millar said the market seems to "indicate that pricing will be going up as well as interest rates, over the next few years.
"So now seems to be a very good time to buy, but stay well within your budget," Millar advised.
Turnaround in second quarter of 2009 quite remarkable
[Source - National Post - Friday, July 10, 2009]
Canada's housing market has bounced back sufficiently from an "awful winter" for prices and unit sales to stabilize by the end of the year, Royal LePage said this week.
The real estate firm forecast in its latest survey that the 2009 national average house price will be down by 2% at $297,500 by year-end. That's up from its January forecast of a 3% decline.
It sees a 1% drop in unit sales to 430,000. Its forecast in January was for 416,000 sales.
"Given the grim shape that Canada's real estate market was in this past winter, the turnaround we have witnessed in the second quarter is really quite remarkable," said Phil Soper, president and CEO of Royal LePage Real Estate. Reuters
Do record home sales mean the worst is over?
[Source - Helen Morris, National Post Published: Friday, July 10, 2009]
There were positive housing numbers out this week, but analysts still caution against expectations of rapid recovery.
According to the Toronto Real Estate Board, home sales in the GTA rose 27% in June, compared with the same month a year earlier. The Greater Toronto realtors recorded 10,955 sales last month. The June figure translates into a seasonally adjusted annual rate of sales of 100,700.
"The record result in June is testament to the fundamentally sound housing market in the GTA," said the TREB president Tom Lebour in a release. "An increasing number of households have been confident in purchasing a home in the region's affordable and diverse resale housing market."
Alongside rising sales, prices are also increasing. The average price of a transaction in June was $403,972, that is a 2% rise on the same month last year when the average sale price was $395,866.
Thursday, July 9, 2009
Hybrid Mortgages
Hybrid mortgages – also known as 50/50 mortgage products – include an equal mix of fixed-rate and variable-rate components within your single mortgage. This means you get the best of both worlds – the security of fixed repayments with the flexibility of a variable rate.
Although there was a time in recent years when mortgage experts considered a variable rate mortgage as the obvious choice to save mortgage consumers money over the long term, with fixed rates remaining near historic lows, a 50/50 mortgage may be a great alternative for you.
In essence, since it’s extremely difficult to accurately predict rates over the long term, a 50/50 mortgage offers interest rate diversification, which can help reduce your level of risk.
If you opt for the Dominion Lending Centres 50/50 Balanced Mortgage, half of your mortgage is locked into a five-year fixed rate and half is at a five-year variable rate. You can lock in your variable-rate portion at any time without paying a penalty. As well, each portion of the 50/50 mortgage operates independently – like two separate mortgages – yet the product is registered as only one collateral charge.
The 50/50 mortgage product is well-suited to a variety of borrowers, including those who:
- Would normally go fully variable but are afraid prime rate is at its bottom
- Aren’t comfortable being locked into a fully fixed rate
- Can’t decide between a fixed or variable mortgage
Some features of the 50/50 mortgage include:
- 20% annual lump-sum pre-payment privileges
- 20% annual payment increase ability
- Portability (the option to transfer your existing loan amount to a new property without penalty)
As the 50/50 option is a fairly new offering, according to a recent study by the Canadian Association of Accredited Mortgage Professionals (CAAMP), 5% of Canadian mortgage holders have 50/50 mortgages compared to 28% with variable-rate mortgages and 68% with fixed-rate mortgages. But many experts believe the 50/50 mortgage is quickly gaining momentum.
If you have any questions about the 50/50 mortgage product and whether it’s right for you, feel free to give me a call so we can discuss your options. 416.807.7123
Housing sales soar in Ontario’s biggest cities
[Source - Garry Marr, Financial Post; Published: Monday, July 06, 2009]
TORONTO - Despite all the talk of a housing downturn and economic crisis in Ontario, the province's two biggest cities both saw record housing resales last month for the month of June.
The Toronto Real Estate Board said Monday there were 10,955 sales in the Greater Toronto Area in June, a 27% increase from the 8,600 homes sold a year ago. It was the best June for sales since the board started tracking the numbers in the mid 1960s.
In Ottawa, housing sales jumped 12.5% in June to 1,895, also a new record for the month.
The average sale price in the GTA last month $403,972, up 2% from a year earlier. In Ottawa, the average sale price rose 3% annually to $306,925.
"I think the next stage" might be price pressure, said Doug Porter, deputy chief economist at BMO Capital Markets. "The moderation we have seen in prices may not last long if this kind of sales and listing balance remains in place."
Porter said the mad scramble to buy a house is playing out across the country, as consumers wade back into the market tempted by interest rates the lowest they've been in 50 years.
Five-year fixed rate mortgages were as low as 3.75% last month, though they've nudged back up to about 4.5% since.
"Vancouver sales were up about 76% from a year ago, the second best June ever for them. Calgary sales were up 27%, and Edmonton sales were up 38%," said the economist. "A lot of people emerged from their foxholes over the winter and have been brought in by low mortgage rates or a belief the economy is going to improve.
"There was some pent-up demand, things almost froze over solid over the winter."
TORONTO - Despite all the talk of a housing downturn and economic crisis in Ontario, the province's two biggest cities both saw record housing resales last month for the month of June.
The Toronto Real Estate Board said Monday there were 10,955 sales in the Greater Toronto Area in June, a 27% increase from the 8,600 homes sold a year ago. It was the best June for sales since the board started tracking the numbers in the mid 1960s.
In Ottawa, housing sales jumped 12.5% in June to 1,895, also a new record for the month.
The average sale price in the GTA last month $403,972, up 2% from a year earlier. In Ottawa, the average sale price rose 3% annually to $306,925.
"I think the next stage" might be price pressure, said Doug Porter, deputy chief economist at BMO Capital Markets. "The moderation we have seen in prices may not last long if this kind of sales and listing balance remains in place."
Porter said the mad scramble to buy a house is playing out across the country, as consumers wade back into the market tempted by interest rates the lowest they've been in 50 years.
Five-year fixed rate mortgages were as low as 3.75% last month, though they've nudged back up to about 4.5% since.
"Vancouver sales were up about 76% from a year ago, the second best June ever for them. Calgary sales were up 27%, and Edmonton sales were up 38%," said the economist. "A lot of people emerged from their foxholes over the winter and have been brought in by low mortgage rates or a belief the economy is going to improve.
"There was some pent-up demand, things almost froze over solid over the winter."
Tuesday, July 7, 2009
Mortgage Rates Toronto
| This edition of Weekly Rate Minder has the latest, best rates for Canadian mortgages. At Dominion Lending Centres, we work on your behalf to find the mortgage that suits your needs. Best of all - our service is "free".* It's the selected lender that pays us and YOU get the best rate. *(O.A.C., E.&O.E.) | ||||||||||||||||||||||||||||||||
• Explore Mortgage Scenarios with Helpful Calculators on gregbarrow.ca | ||||||||||||||||||||||||||||||||
| ||||||||||||||||||||||||||||||||
Variable rate mortgages from as low as Prime + .35% Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals. Some conditions may apply. Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – check with your Dominion Lending Centres Mortgage Expert for full details. *O.A.C., E.& O.E. | ||||||||||||||||||||||||||||||||
Richmond Hill Chamber of Commerce
Most of the posts I make on my blog are directly related to mortgage and real estate information for consumers in Ontario. Today however, I would like to proudly announce that I was recently elected to the Board of Directors of the Richmond Hill Chamber of Commerce.
I joined the chamber last year to build new relationships with other local business owners in Richmond Hill and surrounding areas. I have a had a great year and met many new and really interesting people.
I am following in the footsteps of both my father and grandfather who have both been past presidents of the Chamber of Commerce in Richmond Hill, so it is an honour to be asked to asked and elected to the Board of Directors.
If you live or work in Richmond Hill and own a business, I encourage you to attend an event at the Chamber as it is a fantastic way to network with other business owners in your local community. For more information on the Richmond Hill Chamber of Commerce you can visit their website here: http://www.rhcoc.com/
I joined the chamber last year to build new relationships with other local business owners in Richmond Hill and surrounding areas. I have a had a great year and met many new and really interesting people.
I am following in the footsteps of both my father and grandfather who have both been past presidents of the Chamber of Commerce in Richmond Hill, so it is an honour to be asked to asked and elected to the Board of Directors.
If you live or work in Richmond Hill and own a business, I encourage you to attend an event at the Chamber as it is a fantastic way to network with other business owners in your local community. For more information on the Richmond Hill Chamber of Commerce you can visit their website here: http://www.rhcoc.com/
Wednesday, July 1, 2009
Happy Canada Day
Happy Canada Day!
Have a great day and while your enjoying your holiday, remember all those who gave their lives throughout our history so we can enjoy living in the best country in the world!
Happy Birthday Canada!
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