of your mortgage professional first! On the whole, as I mentioned, it will not impact most of our market. Statistics say perhaps 10% of those applying for a mortgage will be impacted.

So, what is in store? In all likelihood, more of the same of what we have seen so far this year. There has not been an influx of homes for sale. The buyers seem to still be out there in good numbers, it is a terrific time to sell.

So much so, that if you are thinking of making a move, you may want to do it now. You don’t normally hear that in December but more people will list in the New Year after the holiday season is over. Your home probably never shows as well as it does this time of year, all decked out with the Holiday's trimmings. We can work around being inundated with showings on particular days but in general, it is a terrific time to list. If you sell, great, you will be moving in the spring. If you don’t sell over Christmas, then your ads will hit just as buyers ramp up in January.

So there is no need to wait to list when the rest of the street does. Get the jump on them and take advantage of the fact that there is little ‘for sale’ today. Less competition means buyers have fewer to choose from, putting you in the driver’s seat.

Regardless if you want to take advantage of this time window and list quickly. Or if you are considering waiting until 2017, you should be prepared. Call me for an in-depth market overview as well as value of your home. We will discuss options for things you can do around your home to maximize your value and answer all your questions. Don’t wait until the last minute to get this valuable information and start planning. So pick up the phone and let’s have coffee. It could be the difference between your doing well or doing great when it’s time to sell.

*2013

**2010 2011 2012 2014 2015

December 2016

IT’S THE MARKETING. IT’S THE EXPOSURE. IT’S THE EXPERIENCE!

Call today, you deserve the difference!

Independently Owned & Operated

Not intended to solicit buyers or sellers currently under contract. Each office independently owned and operated

Complimentary Market Analysis...not just another evaluation

Like our articles?Here is a QR code so you can see past issues.

905-584-0234 519-942-02341-888-667-8299

2016 SAYS FAREWELL

Philip Albin, Brokerphil@remaxinthehills.com

Dale Poremba, Sales Representativedale@remaxinthehills.com

Sean Anderson, Brokerseananderson@remaxinthehills.com

Chris P. Richie Broker of Record/Ownerchris@remaxinthehills.com

*

www.remax-inthehills-on.com933009 Airport Road | Caledon, ON L9W 2Z2

It has been a banner year the most active that I have seen in my 3 decades of selling in the area. Since February values have taken off, new ground was laid and old records smashed. The number of properties that saw multiple offers was almost shocking, as we were introduced to the type of market that Toronto has seen for the past few years already.

Many homes sold within just a few days of being listed and the pace has been hectic. Buyers hoping to purchase often were faced with disappointment as their offer simply wasn’t high enough over asking price to win. If there ever was a seller’s market, 2016 was it.

In October, new rules were placed on the mortgage industry in an effort to curb the excitement and we have yet to see its outcome. At the moment I am writing this, there have been several revisions, or tweaking of the new rules in order to try and make them fit our market place. It is yet unclear the entire impact that these, more conservative guidelines, will have but as far as we can anticipate it will probably not have significant impact on our area.

A lot of the rules will affect buyers who do not have large earning capacity. One of the main changes is a buyer now needs to qualify at the 5 year posted rate of 4.64% even if they are getting a mortgage rate that is substantially below that. In many cases, they simply will not qualify for a mortgage or in some cases even qualify for the one they have. They don’t have to ‘re-qualify’ so it will not impact those that currently own a home. However, if they sell their existing home, will they then be able to get another home? Sometimes the answer will be, no. It is no longer just a case of having the right amount of down payment.

Never mind those entry buyers though. This could have an impact on someone that has owned a home for years. They want to sell their larger home and even though they have good equity, if they want a mortgage, it is possible, they too will not be successful. So, if you are in either of these positions, get a hold

(based on total dollar volume 2011, 2012, 2013, 2014, 2015)* Office CALEDON & MONO - Combined (based on listing dollar volume 2011, 2012, 2013, 2014, 2015-excluding Bolton)*

*Chris P. Richie for CALEDON & MONO - Combined

*Based on data compiled from the Toronto Real Estate Board for Caledon and Mono by R.E. Stats Inc. Details are available and can be reviewed at our office with an appointment.

Not intended to solicit properties currently listed for sale

RE/MAX Club Awards are presented annually. They're based on achievement levels in gross commission. DIAMOND CLUB - $1,000,000+, CHAIRMAN'S CLUB - $500,000-$749,999, CIRCLE OF LEGENDS - Career award recognizing associates who have completed 10 years of service with RE/MAX and who have earned $10 million in commissions.

Jennifer Unger Sales Representative

jenunger@remaxinthehills.com

Imag

ery:

Lay

erac

e / F

reep

ik

MERRY CHRISTMASwe wish you a VERY

KEVIN WEATHERBEE- ASSOCIATE DEALER

1-877-693-3776SERV

SALES INSTALLATI NO

ICE

Propane energy solutions

I don’t care how old I am, it will probably never change, that little bit of excitement in anticipation of another Christmas. You don’t know it, I am sure, but when it comes to this time of year, I as old as I am, am like a little boy again. Waiting in anticipation of the lights, the sparkle of the tree, the snow (yep) and the meals, gifts, friends and family that all make up this time of year.

2016 has shown us many blessings and another, yes the best, sales year we have ever had. Starting in February things took off like Santa’s rocket sled. Before you knew it sales were brisk and prices rose steeper than we have seen in my decades of selling. Listings came and went quicker than many people could gather their thoughts thus losing out. It was a frenzied pace, not a fun one to buy in, in many places with multiple offers but only one successful being the norm.

As the year progressed, little changed and records were broken across the GTA. During this time we added another wonderful member to our team, giving us ‘The Power of 5’ members to serve our clients. Jen Unger, with her enthusiasm and guaranteed smile, a Caledon East and horse lady, joined us. We needed this addition to handle the pace in our new location at the top end of Caledon entering Mono. Our log ‘show place’ is a traffic stopper and what a place to decorate for the Holiday Season…you must make an effort to pop by.

As busy as the year was, the entire team have great memories of not only our business adventures but our daily lives as well. Being sure to take time to enjoy life’s pleasures that without the support of a team like ours would almost be impossible.

My summer adventure saw me aboard my boat on 4 of the Great Lakes in new and familiar ports. The luxury of such a holiday is just one of the blessings with family and friends that makes working hard worth it.

2016 will finish off for me with my two grand-children that affectionately call me ‘Grandpa Moose’. They live in Sault Ste. Marie, as do three of my brothers, so the Christmas Season will be shared with them in ‘Gods Country’ where I grew up.

The rest of our staff will be in various parts of the area and the country likewise enjoying the time off, so well deserved. With all the goings on this time of year, there is one priority we cannot forget. That is to remember how thankful we are for what we have.

For our daily blessings, not the least of which are our clients, friends and family that have shared the year with us. It is you, that help make us successful with your support, dedication, and loyalty.

To you and yours, where ever this jolly season finds you. May the Seasons finest be yours. May you be surrounded by those you care about and that care for you. May you enjoy the fruits of your labours and the joys and festivities of the Yuletide Season.

From our Team, Our Families, and our Homes, we wish you the Merriest and Joyous of Christmas’

O R N A M E N T S I C J O I P F T R W S Y U Z X S M Z W W S A T Q F NM I L O X V L Y O J S C U V P R H V X H P G Z A H G E B Q M K V C S VR C N S W P M T N S Y M M K E Z E D H R P I N S K V R G U E T S M Y SA H H K I Z L L T M G X F H H W C T R R S T C D U C P X P U K Z E Y TK E C Q F C L O V A J G J Z P F A E N V A T M Q K J D Y B O M D S W LH S L X I N C N R U F Y U N P J E A M I M H C C A F J V I O I W R A NR T H Q P K R L K Y D G D J N D P N C R T V Z H O R F L S R R F Z P RI N P V I S A W H WW T S Z N O H W W F S I M I A U U Y H P R G Q P CO U V N Y N J S S Y B F B I M V U O E B I Q U F M R Z G K E J P Q R WC T G T D T D Z M P K Z E Q E N R I Z V R S W S C N I W E H X V W A DW S A J S F O U U K W R E A T H U Z F N H Y I G T E W T X J U R P B NL W G U O J Z V I T I N S E L P J U A N C K O A L H W S Y Y M T V X QT G A Q H Z Z B L I E V Q W N G G K T K Y E G S E K A L F W O N S H TY E O X D N K J U A E S G G A D L S L O R A C L P B Z R E I P E L J WL M J N I K Z A Y P E Z T A W G I N G E R B R E A D Q L M O I E I Q SL O R I G B N I V T T P W N U C V M K O E C A V T U Z B O M N F C H YO W T J A G X K A R J J P R N N D J X N M D S Q Z F S F K L N H Q G IJ N W B E N E U Q A C O B C B G D G V G G X U E Y O J F J H K R H W DD X F L X Q M N J V C S T R A D I T I O N U R T F R N G H Z G Y H F RZ G M D A K D Q C X F H Y N Y C S Q C X X W J M Q T C D Y D W J Z L S

wo

rd sea

rch

CHRISTMAS

PeaceNoelMerry ChristmasJoyeuxJolly

OrnamentsEggnogTinselSanta

SleighrideReindeerAngelSnowflakesCharity

StockingsCarolsGarland

WreathTraditionGingerbreadChestnuts

OUR SUCCESSES

SOLD DATE FROM NOVEMBER 1, 2015 TO OCTOBER 31, 2016.

RE/MAX In The Hills Inc., Brokerage is collecting non-perishable food items and unwrapped gifts for children of all ages. Gifts for girls & boys between ages of 10 and 15 years old are in high demand.

Please drop off any donations for Caledon Community Services ‘Santa Fund’ at our offfice location, Monday to Friday, 9:00am-5:00pm (Airport Rd. and Hwy. #9 – North-east corner beside the Fire Hall) prior to Friday, December 9th, 2016.

Let’s ensure that all families and kids have a good Christmas and holiday season!

CHRISTMAS FOOD & TOY DRIVE

OVER THE PAST YEAR

A Christmas Story Has Canadian RootsThe risqué leg lamp. Ralphie’s sliding rejection from Santa. Flick’s tongue mishap. Can you imagine Christmas without an annual screening of A Christmas Story? While the tale appears to be all-American, a substantial part of the movie was filmed in Canada. Ralphie’s school, the Chinese restaurant where his family ate, the famous swearing scene as well as the interior segments were all shot in Canada. And where else would you find the old TTC “red rocket” streetcars?

Albertans Spend the Most on ChristmasA 2005 study by Statistics Canada discovered that residents of Alberta spent more per capita ($967 on average per person) in retail stores than any other Canadian province. Citizens of the Yukon and Northwest Territories caused cash registers to ring in holiday exultation, too, as they ranked in at number two ($928) and three ($926) respectively.

Santa Has a Lot of Canadian Elves

Since 1982, Santa’s Post Office has employed mailroom elves from Canada, and he has received more than 20 million letters from children around the world. Canada Post volunteers donate over 200,000 hours of

their time each year to help Santa respond to every letter that arrives on his doorstep.

Canadians Love Department Stores… and BoozeAccording to Statistics Canada, Canadians prefer to shop in person. With total sales of nearly $3.2 billion dollars, the number one place for Canadians to check off their holiday shopping lists was…department stores. Care to guess the second most-visited venue for festive spenders? Pop the cork and raise a glass to Canada’s beer, liquor and wine stores. Their $1.6 billion dollars worth of holiday sales earned the runner-up position.

Canada Loves Christmas TreesDid you know our country harvests approximately 5.5 million Christmas trees each year? That’s roughly one Christmas tree for every 7 Canadians. But if you can’t spend Christmas in Canada, you might as well take a little piece of the country with you. In 2006, Canada exported 2.25 million Christmas trees to over 25 countries including Japan, Mexico, the United States and Jamaica.

Rudolph Was CanadianIf you were born in Canada after 1964, your Christmases probably involved an annual viewing

of the ‘animagic’ holiday special, ‘Rudolph the Red-Nosed Reindeer.’ Rankin-Bass, an American production company, created this beloved Christmas program, but did you know that there’s a secret Canadian connection? All the characters’ voices (with the exception of Sam the Snowman) were performed by Canadian actors, singers and voiceover artists at the RCA Victor Studios in Toronto.

Canadians Dig TurkeyThe Turkey Farmers of Canada report that in 2012, 8.8 million whole turkeys were consumed. 40.6 per cent of Canadian households bought turkey products for their holiday feast. Still feeling peckish? Canadians purchased a grand total of 3.9 million whole turkeys for Christmas last year. That’s a lot of drumsticks, wishbones, and turkey sandwiches.

Christmas Isn’t Only Once a YearIn some corners of Canada, it’s Christmas 365 days a year. Welcome to Reindeer Station(Northwest Territories), Christmas Island (Nova Scotia), Sled Lake (Saskatchewan), Holly (Ontario), Noel (Nova Scotia), Turkey Point (Ontario), and Snowflake (Manitoba).

SURPRISING FACTS about Christmas in Canada

READERSDIGEST.CA

O R N A M E N T S I C J O I P F T R W S Y U Z X S M Z W W S A T Q F NM I L O X V L Y O J S C U V P R H V X H P G Z A H G E B Q M K V C S VR C N S W P M T N S Y M M K E Z E D H R P I N S K V R G U E T S M Y SA H H K I Z L L T M G X F H H W C T R R S T C D U C P X P U K Z E Y TK E C Q F C L O V A J G J Z P F A E N V A T M Q K J D Y B O M D S W LH S L X I N C N R U F Y U N P J E A M I M H C C A F J V I O I W R A NR T H Q P K R L K Y D G D J N D P N C R T V Z H O R F L S R R F Z P RI N P V I S A W H WW T S Z N O H W W F S I M I A U U Y H P R G Q P CO U V N Y N J S S Y B F B I M V U O E B I Q U F M R Z G K E J P Q R WC T G T D T D Z M P K Z E Q E N R I Z V R S W S C N I W E H X V W A DW S A J S F O U U K W R E A T H U Z F N H Y I G T E W T X J U R P B NL W G U O J Z V I T I N S E L P J U A N C K O A L H W S Y Y M T V X QT G A Q H Z Z B L I E V Q W N G G K T K Y E G S E K A L F W O N S H TY E O X D N K J U A E S G G A D L S L O R A C L P B Z R E I P E L J WL M J N I K Z A Y P E Z T A W G I N G E R B R E A D Q L M O I E I Q SL O R I G B N I V T T P W N U C V M K O E C A V T U Z B O M N F C H YO W T J A G X K A R J J P R N N D J X N M D S Q Z F S F K L N H Q G IJ N W B E N E U Q A C O B C B G D G V G G X U E Y O J F J H K R H W DD X F L X Q M N J V C S T R A D I T I O N U R T F R N G H Z G Y H F RZ G M D A K D Q C X F H Y N Y C S Q C X X W J M Q T C D Y D W J Z L S

wo

rd sea

rchCHRISTMAS

PeaceNoelMerry ChristmasJoyeuxJolly

OrnamentsEggnogTinselSanta

SleighrideReindeerAngelSnowflakesCharity

StockingsCarolsGarland

WreathTraditionGingerbreadChestnuts

OUR SUCCESSES

SOLD DATE FROM NOVEMBER 1, 2015 TO OCTOBER 31, 2016.

RE/MAX In The Hills Inc., Brokerage is collecting non-perishable food items and unwrapped gifts for children of all ages. Gifts for girls & boys between ages of 10 and 15 years old are in high demand.

Please drop off any donations for Caledon Community Services ‘Santa Fund’ at our offfice location, Monday to Friday, 9:00am-5:00pm (Airport Rd. and Hwy. #9 – North-east corner beside the Fire Hall) prior to Friday, December 9th, 2016.

Let’s ensure that all families and kids have a good Christmas and holiday season!

CHRISTMAS FOOD & TOY DRIVE

OVER THE PAST YEAR

A Christmas Story Has Canadian RootsThe risqué leg lamp. Ralphie’s sliding rejection from Santa. Flick’s tongue mishap. Can you imagine Christmas without an annual screening of A Christmas Story? While the tale appears to be all-American, a substantial part of the movie was filmed in Canada. Ralphie’s school, the Chinese restaurant where his family ate, the famous swearing scene as well as the interior segments were all shot in Canada. And where else would you find the old TTC “red rocket” streetcars?

Albertans Spend the Most on ChristmasA 2005 study by Statistics Canada discovered that residents of Alberta spent more per capita ($967 on average per person) in retail stores than any other Canadian province. Citizens of the Yukon and Northwest Territories caused cash registers to ring in holiday exultation, too, as they ranked in at number two ($928) and three ($926) respectively.

Santa Has a Lot of Canadian Elves

Since 1982, Santa’s Post Office has employed mailroom elves from Canada, and he has received more than 20 million letters from children around the world. Canada Post volunteers donate over 200,000 hours of

their time each year to help Santa respond to every letter that arrives on his doorstep.

Canadians Love Department Stores… and BoozeAccording to Statistics Canada, Canadians prefer to shop in person. With total sales of nearly $3.2 billion dollars, the number one place for Canadians to check off their holiday shopping lists was…department stores. Care to guess the second most-visited venue for festive spenders? Pop the cork and raise a glass to Canada’s beer, liquor and wine stores. Their $1.6 billion dollars worth of holiday sales earned the runner-up position.

Canada Loves Christmas TreesDid you know our country harvests approximately 5.5 million Christmas trees each year? That’s roughly one Christmas tree for every 7 Canadians. But if you can’t spend Christmas in Canada, you might as well take a little piece of the country with you. In 2006, Canada exported 2.25 million Christmas trees to over 25 countries including Japan, Mexico, the United States and Jamaica.

Rudolph Was CanadianIf you were born in Canada after 1964, your Christmases probably involved an annual viewing

of the ‘animagic’ holiday special, ‘Rudolph the Red-Nosed Reindeer.’ Rankin-Bass, an American production company, created this beloved Christmas program, but did you know that there’s a secret Canadian connection? All the characters’ voices (with the exception of Sam the Snowman) were performed by Canadian actors, singers and voiceover artists at the RCA Victor Studios in Toronto.

Canadians Dig TurkeyThe Turkey Farmers of Canada report that in 2012, 8.8 million whole turkeys were consumed. 40.6 per cent of Canadian households bought turkey products for their holiday feast. Still feeling peckish? Canadians purchased a grand total of 3.9 million whole turkeys for Christmas last year. That’s a lot of drumsticks, wishbones, and turkey sandwiches.

Christmas Isn’t Only Once a YearIn some corners of Canada, it’s Christmas 365 days a year. Welcome to Reindeer Station(Northwest Territories), Christmas Island (Nova Scotia), Sled Lake (Saskatchewan), Holly (Ontario), Noel (Nova Scotia), Turkey Point (Ontario), and Snowflake (Manitoba).

SURPRISING FACTS about Christmas in Canada

READERSDIGEST.CA

of your mortgage professional first! On the whole, as I mentioned, it will not impact most of our market. Statistics say perhaps 10% of those applying for a mortgage will be impacted.

So, what is in store? In all likelihood, more of the same of what we have seen so far this year. There has not been an influx of homes for sale. The buyers seem to still be out there in good numbers, it is a terrific time to sell.

So much so, that if you are thinking of making a move, you may want to do it now. You don’t normally hear that in December but more people will list in the New Year after the holiday season is over. Your home probably never shows as well as it does this time of year, all decked out with the Holiday' s trimmings. We can work around being inundated with showings on particular days but in general, it is a terrific time to list. If you sell, great, you will be moving in the spring. If you don’t sell over Christmas, then your ads will hit just as buyers ramp up in January.

So there is no need to wait to list when the rest of the street does. Get the jump on them and take advantage of the fact that there is little ‘for sale’ today. Less competition means buyers have fewer to choose from, putting you in the driver’s seat.

Regardless if you want to take advantage of this time window and list quickly. Or if you are considering waiting until 2017, you should be prepared. Call me for an in-depth market overview as well as value of your home. We will discuss options for things you can do around your home to maximize your value and answer all your questions. Don’t wait until the last minute to get this valuable information and start planning. So pick up the phone and let’s have coffee. It could be the difference between your doing well or doing great when it’s time to sell.

*2013

**2010 2011 2012 2014 2015

December 2016

IT’S THE MARKETING. IT’S THE EXPOSURE. IT’S THE EXPERIENCE!

Call today, you deserve the difference!

Independently Owned & Operated

Not intended to solicit buyers or sellers currently under contract. Each office independently owned and operated

Complimentary Market Analysis...not just another evaluation

Like our articles?Here is a QR code so you can see past issues.

905-584-0234 519-942-02341-888-667-8299

2016 SAYS FAREWELL

Philip Albin, Brokerphil@remaxinthehills.com

Dale Poremba, Sales Representativedale@remaxinthehills.com

Sean Anderson, Brokerseananderson@remaxinthehills.com

Chris P. Richie Broker of Record/Ownerchris@remaxinthehills.com

*

www.remax-inthehills-on.com933009 Airport Road | Caledon, ON L9W 2Z2

It has been a banner year the most active that I have seen in my 3 decades of selling in the area. Since February values have taken off, new ground was laid and old records smashed. The number of properties that saw multiple offers was almost shocking, as we were introduced to the type of market that Toronto has seen for the past few years already.

Many homes sold within just a few days of being listed and the pace has been hectic. Buyers hoping to purchase often were faced with disappointment as their offer simply wasn’t high enough over asking price to win. If there ever was a seller’s market, 2016 was it.

In October, new rules were placed on the mortgage industry in an effort to curb the excitement and we have yet to see its outcome. At the moment I am writing this, there have been several revisions, or tweaking of the new rules in order to try and make them fit our market place. It is yet unclear the entire impact that these, more conservative guidelines, will have but as far as we can anticipate it will probably not have significant impact on our area.

A lot of the rules will affect buyers who do not have large earning capacity. One of the main changes is a buyer now needs to qualify at the 5 year posted rate of 4.64% even if they are getting a mortgage rate that is substantially below that. In many cases, they simply will not qualify for a mortgage or in some cases even qualify for the one they have. They don’t have to ‘re-qualify’ so it will not impact those that currently own a home. However, if they sell their existing home, will they then be able to get another home? Sometimes the answer will be, no. It is no longer just a case of having the right amount of down payment.

Never mind those entry buyers though. This could have an impact on someone that has owned a home for years. They want to sell their larger home and even though they have good equity, if they want a mortgage, it is possible, they too will not be successful. So, if you are in either of these positions, get a hold

(based on total dollar volume 2011, 2012, 2013, 2014, 2015)* Office CALEDON & MONO - Combined (based on listing dollar volume 2011, 2012, 2013, 2014, 2015-excluding Bolton)*

*Chris P. Richie for CALEDON & MONO - Combined

*Based on data compiled from the Toronto Real Estate Board for Caledon and Mono by R.E. Stats Inc. Details are available and can be reviewed at our office with an appointment.

Not intended to solicit properties currently listed for sale

RE/MAX Club Awards are presented annually. They're based on achievement levels in gross commission. DIAMOND CLUB - $1,000,000+, CHAIRMAN'S CLUB - $500,000-$749,999, CIRCLE OF LEGENDS - Career award recognizing associates who have completed 10 years of service with RE/MAX and who have earned $10 million in commissions.

Jennifer Unger Sales Representative

jenunger@remaxinthehills.com

Imag

ery:

Lay

erac

e / F

reep

ik

MERRY CHRISTMASwe wish you a VERY

KEVIN WEATHERBEE- ASSOCIATE DEALER

1-877-693-3776SERV

SALES INSTALLATI NO

ICE

Propane energy solutions

I don’t care how old I am, it will probably never change, that little bit of excitement in anticipation of another Christmas. You don’t know it, I am sure, but when it comes to this time of year, I as old as I am, am like a little boy again. Waiting in anticipation of the lights, the sparkle of the tree, the snow (yep) and the meals, gifts, friends and family that all make up this time of year.

2016 has shown us many blessings and another, yes the best, sales year we have ever had. Starting in February things took off like Santa’s rocket sled. Before you knew it sales were brisk and prices rose steeper than we have seen in my decades of selling. Listings came and went quicker than many people could gather their thoughts thus losing out. It was a frenzied pace, not a fun one to buy in, in many places with multiple offers but only one successful being the norm.

As the year progressed, little changed and records were broken across the GTA. During this time we added another wonderful member to our team, giving us ‘The Power of 5’ members to serve our clients. Jen Unger, with her enthusiasm and guaranteed smile, a Caledon East and horse lady, joined us. We needed this addition to handle the pace in our new location at the top end of Caledon entering Mono. Our log ‘show place’ is a traffic stopper and what a place to decorate for the Holiday Season…you must make an effort to pop by.

As busy as the year was, the entire team have great memories of not only our business adventures but our daily lives as well. Being sure to take time to enjoy life’s pleasures that without the support of a team like ours would almost be impossible.

My summer adventure saw me aboard my boat on 4 of the Great Lakes in new and familiar ports. The luxury of such a holiday is just one of the blessings with family and friends that makes working hard worth it.

2016 will finish off for me with my two grand-children that affectionately call me ‘Grandpa Moose’. They live in Sault Ste. Marie, as do three of my brothers, so the Christmas Season will be shared with them in ‘Gods Country’ where I grew up.

The rest of our staff will be in various parts of the area and the country likewise enjoying the time off, so well deserved. With all the goings on this time of year, there is one priority we cannot forget. That is to remember how thankful we are for what we have.

For our daily blessings, not the least of which are our clients, friends and family that have shared the year with us. It is you, that help make us successful with your support, dedication, and loyalty.

To you and yours, where ever this jolly season finds you. May the Seasons finest be yours. May you be surrounded by those you care about and that care for you. May you enjoy the fruits of your labours and the joys and festivities of the Yuletide Season.

From our Team, Our Families, and our Homes, we wish you the Merriest and Joyous of Christmas’