The holiday season is coming fast, and we would like to celebrate this with YOU at Oakville Networking Christmas Party coming up this Tuesday, December 8th from 7.00 pm to 10.00 pm. The venue is Hamptons Restaurant, 754 Bronte Road, Oakville. There will be appetizers and a cash bar, so get your spouse and guests together and join us for a social evening! Â
Please respond to Liz or Angela before Monday, December 7th. The costs of our Christmas party is only $10!
Looking forward to seeing you all there!
Oakville Networking Executive Committee
![]()
The winter holidays are a time for celebration, and that means more cooking, home decorating, entertaining, and an increased risk of fire and accidents. InterNACHI recommends that you follow these guidelines to help make your holiday season safer and more enjoyable.
YOUR NEIGHBORHOOD InterNACHI INSPECTOR WISHES YOU A SAFE & JOYOUS HOLIDAY SEASON!

Posted by Please comment
The simple fact of renewals is this: nearly 60% of people sign back renewal letters without even taking the time to see what else is available. As a result, there is little or no incentive for the financial institution to give their best offer. What makes things even more interesting is the fact that renewal letters usually only arrive about two to three weeks before the mortgage is actually up for renewal. This two to three weeks gives you very little time to arrange financing with another lender, or to take advantage of the lower rates that may have occurred in the three to four months before your renewal date.
Consumers should be pre-approving their renewals 90-120 days prior to their actual renewal date. This immediately gives you the benefit of the lowest rate on the market for the longest period possible before your renewal date. What makes this better is the fact that this is completely free and without obligation.
A mortgage is too big a financial decision to not take seriously. Â It makes sense to place your mortgage with the institution that gives you the best rates and service.
Using the services of a mortgage broker who shop’s the market to obtain the best rate and terms makes a lot of sense!
For more information about obtaining a mortgage renewal please call Charmaine at Verico Designer Mortgages Inc. Toll Free: 1.866.824.8057
The WOMEN WHO EXCEL INC. Christmas Mini Trade Show dinner meeting is on Tuesday, November 24th, 2009 at the Mandarin Burlington.
There will be (23) exhibitors that will display and sell fashion, jewellery, chocolate, health products, financial products, anti-aging, gourmet items, interior design, business products and services and many Christmas shopping choices.
Boutique networking! We want to hear who you are, your company and your product and services. We want you to make business relationships and partnerships for your 2009 success. Introductions at every meeting. This event is open to both men and women. Business Dress – No Blue Jeans Please!
The WOMEN WHO EXCEL INC. 20th ANNIVERSARY Edition 2009 Directory of members will be given out free at the meeting – a $15.00 value.
This dinner meeting is at The Mandarin Restaurant, 1235 Fairview St., Burlington at Maple Ave., across from Mapleview Mall.
Networking and the Mini Tradeshow start at 5:00 p.m. for your Spring shopping. The sit-down full buffet dinner that is included is at 6:30 p.m. After the dinner, there is more time for networking, the Mini Tradeshow, and dessert before the Fashion Show. Event ends at about 9:30 p.m.
Can goods, used clothing and toy donations for local charities will be accepted at the door or a $1.00 donation.
Limited seating! The cost is $40.00 for members and $50.00 for non-members (includes GST). Tea, coffee and other beverages are extra.
Reservations can be made by cheque – members only, VISA, AMEX, MASTERCARD, or Interac E-mail by calling 905/547-7135 x3 or 1-800-363-0268 x3 or email women.who.excel@hwcn.org or register on-line at www.womenwhoexcel.com
On MONDAY, November 09th, at 7:00 pm, The Blue Angel Gallery & Theatre will host a script readings /workshops
Donna McRae and Christine Whitlock will workshop their teen horse feature film script ‘DOUBLE STEED’.
Joseph Mahoney and Christine Whitlock will workshop their teen drama script ‘PATCHES’ PERIL’.
Christine Whitlock will workshop a teen comedy script ‘PIG OUT’.
Interested readers or actors (bring your acting resume and headshots – no emails please) or writers (to submit future materials) please contact at Christine Whitlock, Co-ordinator,
905/547-7135 x 1.
Readers / actors and crew have been picked for productions by on-site directors and producers. No experience needed.
The event starts at 7:00pm until about 10:00pm. All attendees pay $5.00 which includes tea or coffee and cookies.
We are now in our third year helping writers, actors, directors, and producers connect.
Thanks to the Lions Club – Hamilton Central for their generous donation.
The Blue Angel Gallery & Theatre, 243 James Street North, (just south of Barton St.) Hamilton, Ontario, Canada (free street parking) 905/522-8735, Cynthia Hill, owner / curator.
Christine Whitlock
Writer / Publisher / FilmMaker / Events
PO Box 3533, Station C
Hamilton Ontario Canada L8H 7M9
B: 905/547-7135 x 1 or 1-800-363-0268 x 1
E-mail: cjcpinc@hwcn.org
www.cjcpinc.com
Order our feature films on-line:
‘SHARP TEETH’, ‘VAMPIRE DENTIST’ & ‘MARINA MONSTER’.
See the trailers!
(Also cycling route books.)
http://www.imdb.com/name/nm2857730/
WOMEN WHO EXCEL OCTOBER EVENT
The WOMEN WHO EXCEL October dinner meeting is on Tuesday, October 27th, 2009 at the Mandarin Burlington with WOMEN WHO EXCEL members speaking on the topic ‘BUSINESS WOMEN & HOME-BASED BUSINESSES’ and having display tables.
The WOMEN WHO EXCEL 20th Anniversary Edition 2009 Directory of members will be given out FREE at the meeting – 1,000 were printed for the promotion of WOMEN WHO EXCEL members and advertisers.
This dinner meeting is at The Mandarin Restaurant, 1235 Fairview St., Burlington at Maple Ave., across from Mapleview Mall.
Boutique networking! We want to hear who you are, your company and your product and services. We want you to make business relationships and partnerships for your 2009 success. Introductions at every meeting.
Looking for a new challenge or opportunity? Bring your resume — one woman got (6) job offers! There are many WOMEN WHO EXCEL members who are looking for employees, consultants and business partners.
Networking and the display tables start at 5:00 p.m. The sit-down full buffet dinner that is included is at 6:30 p.m. After the dinner, there is more time for networking, the display tables, and dessert before the WOMEN WHO EXCEL member speakers. Event ends at about 9:30 p.m.
Can goods, used clothing and toy donations for local charities will be accepted at the door. Computer cartridges are accepted for recycling to raise money for FOOD SHARE.
Limited seating! The cost is $40.00 for members and $50.00 for non-members (includes GST). Tea, coffee and other beverages are extra.
Can’t make a meeting? Literature drop-off and promotion $15.90 members, $26.50 for guests.
For a business card list of attendees, $10.50 members, $26.50 guests.
Reservations can be made by cheque – members only, VISA, AMEX, MASTERCARD, or Interac E-mail by calling 905/547-7135 x3 or 1-800-363-0268 x3 or e-mail women.who.excel@hwcn.org or register on-line at www.womenwhoexcel.com/nextmeeting.php
Posted by Please comment
Special: Mortgage renewal or closing coming up within 30 days – 5 year fixed rate 3.84%
Call Charmaine at Verico Designer Mortgages Inc  Today to find out more about how you can cash in on this amazing offer. 905.336.5997
For most Canadians, your home is your most important investment. But owning a home also comes with a great deal of responsibility. When unforeseen circumstances impact your ability to meet your mortgage payments, it’s important to take quick action and contact your lender. With early intervention, your lender can help you fund a solution to your financial difficulties.
For mortgages insured by the Canadian Mortgage and Housing Corporation (CMHC), CMHC provides lenders with the tools and the flexibility they need to achieve a solution to your unique financial situation. Depending on your circumstances, this might include:
CMHC is also willing to consider other alternatives proposed by the mortgage professional to resolve or avoid mortgage payment default. In every case, the options available will depend upon your individual financial circumstances.
CMHC is Canada’s national housing agency. For over 60 years CMHC has shared a wealth of knowledge and housing expertise to help create an informed and reassured homeownership experience for Canadians.
For more information visit:Â CMHC or call Charmaine at Verico Designer Mortgages Inc. 905.336.5997.
Source: Canada Mortgage and Housing Company
Posted by Please comment
I attended a seminar this Tuesday at the University of Toronto Mississauga Campus. It was the 10th session of the “Growing your business†breakfast series presented by OCETA and the R.I.C. Centre. This final session of the season was an “Innovator Idol†session, and the session was sold out!
Four emerging companies needing financing got the opportunity to present their pitch to a panel of industry experts and investors. The four presenters were:
All four companies made terrific presentations, all having market potential and viability, but only one could win.
The winner was Realtech Inc. with their cutting-edge water quality testing instruments, capable of on-site testing and monitoring, bringing the current lab-test turnaround time of days down to minutes. Realtech has ensured that their product line is protected by patents or patent applications, even though cash was limited at the time of starting up.
And this is crucial for any technology based start-up. You may want to consider using a patent consultant outside of Toronto downtown as these are often less expensive. However, you must file the first patent application(s) before you start talking to investors and partners to protect your intellectual property.
Camilla Nielsen
Intellectual Property Consultant
It means that you can get a 5 year fixed rate Mortgage for as little as 3.69% Quick Close Special (the lowest in Canadian history) and a variable rate at 2.85% (Prime plus 0.60).
Another important point, never before made, is that the Bank of Canada is going to hold the overnight lending rate steady until June 2010. Â
So if you currently have a variable rate, now is not the time to lock in if the Bank holds true to its promise.
Many people who are in fixed rates are looking at refinancing their mortgages into lower rates. The penalty to break an existing mortgage is the greater of three months interest or what is called the interest rate differential. The interest rate differential is the lost interest between your current rate and market rates. Whether this is worth your while can only be decided on a case-by-case basis.
I listened to Benjamin Tal, chief economist of CIBC and his comments regarding the variable rate mortgages where as follows:
“You might do better the first two years [of a five-year mortgage] but not the remaining three. I’m convinced long-term interest rates will rise. I can see [long-term] rising 200 basis points. These are emergency rates and at some point this emergency will end,” says the economist.
The banks and the mortgage insurers are becoming more stringent on their lending criteria; minimum credit score requirements have increased, if you are self-employed they are wanting more documentation and appraisals are getting harder too – they look at the appraised value as opposed to the purchase price. If your credit is less than perfect, this can also be challenging, that is why we are finding more and more people seeking out the expertise of an accredited mortgage professional.
Written by: Charmaine Idzerda, (AMP) Mortgage Broker  FSCO# M080000747
Verico Designer Mortgages Inc. www.DesignerMortgages.ca   FSCO# 10194
Tel: 905.336.5997, Tollfree 1.866.824. 8057
Â