Brantford, ON

Bank of Canada has hinted that they may cut interest rates again.

Early today in Toronto, Bank of Canada Senior Deputy Governor Paul Jenkins stated, "Some further monetary stimulus will likely be required to achieve our 2 percent inflation target over the medium term."

The Cdn Central Bank cut its benchmark overnight lending rate to 2.25 percent on Oct. 21.

Some economists expect that the Bank of Canada will cut their overnight rate a half point to 1.75 percent on Dec. 9. This would be the lowest since 1960.

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Gina Burgio, Mortgage Agent
VERICO Designer Mortgages Inc.
Toll Free: 1-877-345-6265
Fax: 1-877-345-6256
Email: gina@ginaburgio.com
www.ginaburgio.com

Each VERICO Broker is an independent owner operator.

Did your Mother or Father or as parents yourself ever say "get in out of the rain", seems this place can take up a lot of your time and energy that is not spent in other places. So I was just wondering how much time the rest of you take out of your day to play in the rain. And do you feel it is time well spent? Thanx, Chuck.

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 home 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.

FUN ALTERNATIVES:

• Find a special event or start one in your own neighborhood.
• Community Centers, Shopping Malls and Houses of Worship may have organized festivities.
• Share the fun by arranging a visit to a Retirement Home or Senior Center.
• Create an alliance with College Fraternities, Sororities or Service Clubs for children's face painting or a carnival.

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Hi all, do any of you use a form or CD or ?? for having and making a preferred professionals list to give to your clients. I am asked all the time for referrals of professionals from bookkeepers to web designers. Now if you make up this list do you charge the professionals to be on it, do you limit it to one or do you put more than one of each type or trade. Thanx.

OK, most of you have an answering machine, but now all of us make the best use of it. Some have the children talking on it or the dog barking or whatever. You're in business, so please leave a message on your answering machine that lets people know you're in business.