WELCOME TO PAGE TWO
DECEMBER 19, 2006 ISSUE

Living Well Chiropractic Conducts 11th Annual Food & Toy Drive For Good Neighbours Food Bank

Wayne Nepssy, 2nd from the left, gratefully accepts the donations of cash, food and toys from Dr. David Welsh and Dr. Ghislaine Landry of the Living Well Chiropractic Office in the Hanmer Valley Shopping Centre. Sandra Paquette, one of the two office assistants (Nadine Dussault was absent when the photo was taken) is shown on the far left.

The donations were accepted from patients during the week of December 11 to 14. 

"Our food bank depends on annual drives such as this in order to stock up our shelves so that we can provide for the needy during the winter months," explained Nepssy. "Some of these donations will be given out during the holidays. The help and cooperation we receive from Living Well Chiropractic is very much appreciated."

   Connie Laforest was born and raised in Sudbury before moving to Valley East in 1974. Her oldest child, Corey (29) lives in Hanmer and together he and his wife, Kim (Dwyer) have provided Connie with two of her three grandchildren. Her daughter, Christina (28), lives in Sudbury raising Connie's other grandchild. 

    For the past 18 years, Connie has gained valuable experience in all facets of banking with the Royal Bank of Canada. She has worked at various branches in Hanmer, Val Caron, Sudbury and . Her passion for working with clients has lead Connie to her current position as a Residential Mortgage Specialist.

   “I really enjoy working with individual clients to help them make one of the most important purchases of their life a little less stressful,” Connie explained when asked why she chose this particular field of banking at this time in her career. “I totally understand where people are coming from when they are going through the process of buying a house. It can be a very frightening time in their life. I try to help them feel relaxed by removing some of the “fear of the unknown”, especially for first-time buyers.”

   Staying on top of all of the new product lines in the residential mortgage market is one of Connie’s main responsibilities. “Things are changing all of the time with residential mortgages. I make sure that I am fully aware of all of the different options available to my clients, and then we work out the best choice for their particular situation. By educating my clients, and making them feel at ease with the process, many of them are comfortable about coming back to see me when they make their next purchase, or even referring me to their family and friends. This is the greatest compliment they can give me. It means that I have done my job well and I have developed a healthy, long-lasting relationship with them. I love it when my clients treat me as a friend. After all, if they live in the Valley we are likely to be neighbours.”

   Connie points out that buying a house is relatively simple when you break down the steps.

1.         A client will come to Connie for a pre-qualification meeting to determine the amount of mortgage for which they might be able to qualify. This will depend on their income and current debt ratio. It then gives the client an idea of the price range he/she/they can afford and gives them some focus and direction to their house hunting.

2.         The client then searches the market for a house that will be satisfactory to their needs. This is usually done through one or more real estate agents.

3.         Once they find a house and settle upon a purchase price, they return to Connie for the final mortgage approval. When it comes to the pre-qualification of the amount of the mortgage, the amount is determined by the income and financial status of the client. When it comes to the final mortgage approval, the amount is determined by the value and state of the property. After the mortgage amount is approved, the payment details and terms of the mortgage are agreed upon.

4.         The client is then free to take care of all of the necessary legal details of the purchase, including the closing date.

5.         All that house and enjoy their new home

   Connie is not afraid to show her feelings about her new career as a Residential Mortgage Specialist,. “I just love working flexible hours and being mobile. It means that I can meet my clients at a time and place when it is convenient to their schedule in a more relaxed atmosphere. There is already enough stress in the purchase of a house. Anything I can do to make it easier helps me to serve my clients in the best way possible.”

    Connie invites anyone who is interested in finding out more information about residential mortgages to contact her at any time by email or phone.

CONNIE LAFOREST
Residential Mortgage Specialist
RBC Royal Bank of Canada
Phone: 705-969-3796
Fax: 705-969-1492
Cell: 705-677-6379
connie.laforest@rbc.com
  
Connie Laforest will be providing us with special information articles to help people better understand the new product lines and options available from the RBC Royal Bank.
Capreol Legion Holds Bake Sale At The Mall
Gabby Winter of the Royal Canadian Legion Branch 179 Capreol is shown arranging the packages of cookies, pies and squares on the bake table at the Hanmer Valley Shopping Centre on Saturday, December 16, 2006. The baking didn't take too long to disappear as many shoppers were searching for tasty treats to put out for their Christmas parties.
Junior Grade Students From Immaculate Conception School Spend Their Saturday Morning Entertaining The Public
Mr. Luciano Ingriselli, Core French Teacher at Immaculate Conception School in Val Caron, is shown below playing his guitar to accompany the Grade 4 to 6 students who turned out on the morning of Saturday, December 16, 2006, to sing Christmas carols at the Hanmer Valley Shopping Centre.
The guitar and the drums were perfect accompaniments to the beautiful voices of the children as they entertained dozens of parents, grandparents, brothers and sisters, and shoppers who took time from their busy routines to enjoy the music.
The students form the School Choir. It was obvious to everyone that they came well-prepared. Their voices projected down the busy corridors as shoppers and merchants alike welcomed their wonderful contribution to the "Spirit of Christmas" on one of the busiest shopping days of the year.

Sounds of Music Filled The Hallways

Enriquez Lopez is shown above playing a song from his new album 'Gypsy New Flamenco' during one of his sessions at the Hanmer Valley Shopping Centre. Lopez and his partner, E. Torres, form the group, 'Inti Runa'. Together they travel to malls throughout Ontario performing and selling their CD's to patrons of their very relaxing style of music.

Many shoppers enjoyed their performances which were continuous from Friday, December 15 to Sunday, December 17, 2006.

 

Published by
INFOCOM CANADA BUSINESS CONSULTANTS INC.
Robert Kirwan, President & C.E.O.
4456 Noel Crescent, Val Therese ON P3P 1S8
Phone: (705) 969-7215    
EMAIL   rkirwan@infocomcanada.com