Category Archives: peel

August long weekend 2015: What’s open and closed in Toronto

The August long weekend – Simcoe Day in Toronto – is a civic holiday and a long weekend for many people in the Greater Toronto area.

The holiday goes by many names across the province, and it goes by different names and is often celebrated with different traditions across the country. In Nova Scotia and Prince Edward Island the day is known as Natal Day, while it is Regatta Day in Newfoundland. In Ottawa the Civic Holiday is often referred to as Colonel By Day.

Businesses are not required to close Monday under the provincial Retail Business Holidays Act, so they may open at the discretion of the municipality.

Below is a list of what’s open and closed in the GTA:

Open

  • Tourist attractions (ROM, Ontario Science Centre, Toronto Zoo, Ripley’s Aquarium)
  • Major malls (Eaton Centre, Yorkdale, Fairview, Sherway Gardens, Square One, Vaughan Mills)
  • Select Beer Store locations (Click here for a full list)
  • LCBO (378 stores across the province will be open. Click here to find your store)
  • Movie theaters
  • City-run facilities like pools, splash pads and golf courses. (Click herefor details)
  • Riverdale Farm
  • High Park Zoo
  • Toronto Islands and ferries

Closed

  • AGO
  • Banks
  • Government offices
  • Post offices and mail delivery
  • All Toronto Public Library branches

Weekend Events

Source: 680News.com by NEWS STAFF Posted Jul 31, 2015 5:07 am EDT

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Questions about Home in Peel?

The Home in Peel Affordable Ownership Program is designed to provide low-to-moderate income residents who are currently renting a unit in the Region of Peel (Brampton, Caledon or Mississauga) the opportunity to qualify for down payment loan assistance, up to $20,000.00 to buy a home in Peel Region.
This program will assist eligible applicants who have a total gross (pre-tax) household income of $87,800 or less to purchase a resale home in the Region of Peel that does not exceed a purchase price of $330,000.00.

To find out more on how to qualify, contact The Ray C. Mcmillan Mortgage Team – Mortgages Made Simple, or visit http://www.RayMcMillan.com to schedule your consultation.

Applicants are considered on a first-come-first-served-basis subject to ‪#‎qualification‬

Home in Peel Affordable Ownership Program

Region of Peel, Human Services
7120 Hurontario St.,
PO Box 634 RPO Streetsville
Mississauga, On L5M 2C2

Celebrate Family Day in Mississauga

Celebrate Family Day in Mississauga

Feb 09, 2015

On Monday, February 16 enjoy some much-deserved family time with a full day of winter fun happening throughout Mississauga. With exciting indoor and outdoor activities scheduled, there is something for everyone to enjoy.

FREE FAMILY DAY CITY ACTIVITIES
Mississauga Celebration Square – noon to 4 p.m.
Head over to Mississauga Celebration Square for free Family Day activities proudly presented by RBC.

o caricature artist
o carriage rides
o face painting
o food trucks (Beavertails or Wheeling Gourmet)
o ice bowling
o ice sculptures
o meet and greet with former Toronto Maple Leaf’s hockey player, Rick Vaive (1 to 3 p.m.)
o skating

Ride MiWay to Celebration Square or park at the underground lots at Civic Centre, Library and Living Arts Centre. For more information visitmississaugacelebrationsquare.ca.
Mississauga Community Centres Activities (presented by RBC):

Huron Park Recreation Centre
Fun Skate 10:30 a.m. to noon
RBC giveaways
   On site Olympian: Rick Vaive from 10:30 a.m. to noon

Clarkson Community Centre
Fun Skate 2:30 to 4 p.m.
RBC giveaways
   On site Olympian: Jess Dube from 2:30 to 4 p.m.

Mississauga Valley Community Centre
   Fun Skate 12:30 to 2 p.m.
RBC giveaways
  On site Olympian: Jess Dube from 12:30 to 2 p.m.
Other Family Day Activities:
cross country skiing
skating
snowshoeing
swimming
tobogganing
tours and crafts at Benares and the Bradley Museum between 1 – 4 p.m.

FAMILY DAY HOLIDAY CITY SERVICE HOURS
City offices will be closed for Family Day on Monday, February 16.

MiWay will operate on a Sunday/holiday schedule. You can plan your trip on MiWay today by visiting miway.ca, or by calling 905-615-INFO (4636) for customized route and schedule information. To view scheduled departure times on the go, visitm.miway.ca on your smartphone.

Libraries will be closed on Sunday, February 15 and Monday, February 16.

Animal Services will be closed. Officers will be on standby for emergencies and can be reached at 905-615-3000.

The Top 5 Cities That Truck Drivers Would Avoid Like The Plague (If They Could)

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The Top 5 Cities That Truck Drivers Would Avoid Like The Plague (If They Could)
Blog January 14, 2015 2:06PM
Drivers agree on five worst North American cities to drive in
by Kevin Snobel

Truck Drivers on popular social media site Reddit.com were asked for the towns they absolutely dread heading too and would avoid if they could. Here are there top 5 responses.

Gary, Indiana

If you type Gary, IN into Google image search, the related searches at the top of the page include ghetto, slum, gangs, and haunted houses. That pretty much sums it up. -rat-a-tat-kat

I once stopped in Gary, Indiana, at a Denny’s at around 4am. Here’s a tip: Don’t do that. -mattgrande

Camden, New Jersey

I’ll have a picnic on 8 Mile in Detroit before I get out of the car in Camden. -stosh2014

Blythe, California

When I’m hauling racehorses I will NOT go through Blythe CA. Once got rejected with 9 Canadian racehorse broodmares in 105 heat because their International Health Certs were signed in red ink instead of black. (Red was a Canadian requirement at the time. USDA preferred blue or black for USDA origin certs) he changed his tune when I demanded he call the state veterinarian. Boy was that vet mad. -Orthonut

Fontana, California

First 3 exits off the interstate say NO TRUCKS, get off at next exit and you end up in the left lane. The sign for the truck route is on the right side of the road hidden behind all the traffic. One block up the cop sits and writes no truck tickets all day long. Then you drive 300 miles to be there for the court date(and notice all the trucks in the parking lot), and that day is to set a date for court, not the actual trial. And then you find that the time to ask for a trial was the 2 hours before court started during the ask for a trail phase. If I had the last truckload of food and Fontana was starving, I would park the truck on the overpass and burn it to the ground. -rhekn

Brampton, Ontario

Brampton. A city in Ontario, Canada. Literally the worst drivers in Canada. There is so much insurance fraud that Bramptonians pay the highest auto insurance premiums in North America. fritzmongroid

Do you agree with the list? What locations would you add to it that you dread going to? Let us know in the comments below.

HOME – LIFE – AUTO (COMMUNITY EDUCATION SESSION)

HOME – LIFE – AUTO
COMMUNITY EDUCATION SESSION
HOMELIFEAUTO-page-001 (2)
Get the facts on:
– Buying and Financing Real Estate
– Repairing Credit & Mortgage Crisis
– Mortgage & Life Insurance
– Auto purchases, loans ad leasing
– Self Employed Individuals and borrowing
– Government Funded Programs
– Other options you may not know about
This event is sponsored by:

What is the Home in Peel Affordable Ownership Program?

What is the Home in Peel Affordable Ownership Program?

The Home in Peel Affordable Ownership Program is designed to provide low-to-moderate income residents who are currently renting a unit in the Region of Peel (Brampton, Caledon or Mississauga) the opportunity to qualify for down payment loan assistance to buy a home in Peel Region.

This program will assist eligible applicants who have a total gross (pre-tax) household income of $80,000 or less to purchase a resale home in the Region of Peel that does not exceed a purchase price of $295,000.

Participant Eligibility

  • Applicants must be 18 years of age or older
  • Applicants must be a Canadian citizen or have permanent resident status
  • Applicants must not own or have an interest in another residential property in Canada or elsewhere
  • The home must be the sole and principal residence of the purchaser
  • The applicant must currently be renting in Peel and looking to buy a sole and principal residence
  • The applicant must have a total gross (pre-tax) household income not exceeding $80,000
  • The applicant must be able to obtain a mortgage pre-approval from a bank/lender that is approved and insured by a mortgage default insurer such as Canada Mortgage and Housing Corporation (CMHC) and must submit it with their application
  • Participants may not include anticipated rental income from a portion of the property in order to obtain a mortgage
  • The applicant must be able to pay all additional closing costs
  • The applicant must supply all necessary documentation to the Region of Peel within the required timeframe

Eligible Homes

Due to unpredictability of closing dates, new homes will not be eligible for purchase under the program.

Participants may purchase:

  • resale detached homes
  • semi-detached
  • row homes
  • town (condominium or freehold) stacked homes
  • high-rise condominium units

Duplex, triplex or mobile homes do not qualify as eligible homes under the Home in Peel program.

The maximum house price for program participants in the Region of Peel is$295,000.

The Down Payment Loan

Approved applicants are eligible for $15,000 of down payment assistance.

Repaying the Loan

The loan is for a 20-year period and no interest is charged if:

  • The home remains the sole and principal residence of the owner. The home is not rented, leased or sold in the 20-year period.
  • On the 20th anniversary date of the agreement, the loan is automatically forgiven provided there has been no default.

Repayment of the loan is required when:

  • The home ceases to become the sole and principal residence of the owner.
  • The home is sold before the 20-year period.

If during the 20 year affordability period, the property is resold, transferred, or otherwise disposed, and an appreciation in value is incurred, the purchaser will be required to pay back to the Region of Peel the loan and 5% of the appreciation.

If the home is sold for less than the original purchase price, the principal is forgiven; however, the sale must be at fair market value and must be an arm’s length transaction (meaning the property cannot be sold to a relative).

Other Costs for the Purchaser

The purchaser should be aware that they are required to pay additional closing costs that includes, but is not limited to the following:

  • Deposit
  • Home inspection fee
  • Lawyer’s fees
  • Land Transfer Tax

What is Needed to Qualify for the Home in Peel Program?

Interested applicants must complete the application form and provide all supporting documentation and return it to the Region of Peel within the required timeframe.

As funding for this program is limited, participants are selected on a first-come, first-serve basis. Once an application is received, a letter confirming eligibility will be sent within 30 business days. There is no wait list for this program; once all funding has been allocated, all remaining applicants will be notified by letter that the program has ended.

How to Apply

Program Qualifications

Featured on Social life in Peel on Rogers TV – Ray McMillan*, gives the 101 on financing real estate and real estate trends in the region of Peel and surrounding areas.

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The Ray C. McMillan Mortgage Team is a full service mortgage brokerage that offers mortgages for any type of transaction involving real estate. We finance everything from; single family homes, high rise condos, commercial units, vacant land, recreational and vacation properties, rental and investment properties, mobile homes and new construction just to name a few.

​Our mortgages are funded by major banks, mortgage companies and private lenders, and as such we are able to provide mortgage advice and products for the most simple to the most complex transactions.  We are most at home dealing with clients in distress and experiencing some form of mortgage stress. This usually involves clients who have already approached their bank or existing lender and have been rejected and declined and are usually quite unsure what their options are. This is where The Ray C. McMillan Mortgage Team comes in. We are able to make the most hopeless mortgage situation look simple. Sometimes life throws us a curve ball and all many clients need is someone who is patient enough to understand and empathize with their current situation and provide a clear solution that will help them to fix the immediate mortgage challenges and get back on track.

Many of the clients we work with are those who are going through:

1.  A divorce or separation

2. Clients experiencing mortgage and/or property tax arrears

3. Self-employed clients dealing with personal income tax arrears or business income tax issues

4. Clients overwhelmed by consumer debt and looking for a solution

5. Clients purchasing or financing unique properties; (these can include properties serviced by well and septic, properties on large acreages, properties in small rural communities and properties on leased land)

6. Clients purchasing multiple investment properties and find themselves facing challenges getting financing because of  the bank’s “four door policy”

7.  Clients who are retired or close to retirement and who would like to remain in their home, but aren’t too sure how they will be able to afford it.

Click on link to watch video of Ray as featured on Social Life in Peel on Roger’s TV    

Added to all this we also assist clients who have an interest in purchasing real estate in the Caribbean; notably, Jamaica, Grenada, St. Lucia and Barbados. For many, the thought of owning Caribbean real estate is only a dream, but with our realtor partners, solicitors and lenders who work out of the Caribbean, that dream is much more attainable than many may think.

Our role at the Ray McMillan Mortgage Team is to make mortgages simple.