Milton Ontario Real Estate, Opinion, & News

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What Would Google Do with Town of Milton?

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I’ve been listening to a recently-released book titled ‘What Would Google Do?’, and it is a fascintating look at how Google has impacted business, what businesses can do to be more like Google, and lots of other-things Google.

So, I decided to do a little research on different search results on Google. The search term I used was ‘Town of Milton’, and this is the main page of results when I had Google search the Web:

  1. Town of Milton – Municipal Web Site

    Fastest-growing area in the GTA; historic, scenic, family-oriented town with city amenities.
    www.milton.ca/ – Similar pages

    More results from milton.ca »
  2. Employment Opportunities - Town of Milton

    Interested in working for the Town of Milton The Town of Milton’s Standard Employment Application Form can be submitted for part time or temporary 
    www.milton.ca/townhall/jobs.htm – CachedSimilar pages
  3. Milton Ontario News | MiltonSearch.com » Town of Milton planner

    21 Apr 2009  From the Milton Canadian Champion: The Town is beginning a planning study that would transform Main Street east of downtown from strip malls 
    miltonsearch.com/news/?tag=town-of-milton-planner – CachedSimilar pages
  4. The Town of Milton Community Partnership Updates

    In October, 2007, Barrett Xplore Inc. (BXI), through its Xplornet brand, was awarded a contract by the Town of Milton to provide broadband coverage in rural 
    www.xplornet.com/partnership_milton.php – CachedSimilar pages
  5. Town of Milton Carpool Zone | Town Of Milton Carpool Zone

    This is Carpool Zone is for the exclusive use of employees of the Town of Milton.
    milton.carpoolzone.smartcommute.ca/ – CachedSimilar pages
  6. Town of Milton, Rock County, Wisconsin : Home

    The Town of Milton in located in northern Rock County and has a population of 3005 year round residents. The population grows during the summer months to 
    www.townofmiltonrc.com/ – CachedSimilar pages
  7. Town of Milton, Buffalo County, Wisconsin : Home

    The Town of Milton is located in Buffalo County, Wisconsin, on the Western border of Wisconsin, approximately 35 miles north of La Crosse. 
    www.townofmiltonwi.com/ – CachedSimilar pages
  8. Address Delivered Before the Inhabitants of the Town of Milton: On … – Google Books Result

    by James Murray Robbins – 1862 – Milton (Mass.) – 76 pages
    DEAR SIR : The Citizens of Milton, at their Town Meeting held at the Town House, April 21st, passed the following vote, -viz. : — ” That a Committee of five 
    books.google.ca/books?id=wc1sgbIxEBUC
  9. Town of Milton Eco-tech Village Pilot Project Urban Design 

    Town of Milton Eco-tech Village Pilot Project Urban Design Charette : Making Choices Towards Sustainability. This document is part of the Research 
    https://www03.cmhc-schl.gc.ca/b2c/b2c/init.do?language=en&shop=Z01EN&areaID=0000000043&productID… – CachedSimilar pages

[PDF]

Town of Milton Joins Call for Ontario to Provide Fair Funding for 

File Format: PDF/Adobe Acrobat - View as HTML
27 Jan 2009  Milton: The Council of the Town of Milton last night passed a resolution calling on the Ontario government to fairly fund hospital, 
www.growingcommunities.ca/files/Town-of-Milton-Passes-Resolution.pdf – Similar pages -


However, if one tells Google to search pages from Canada, this is the first page of results:

  1. Town of Milton – Municipal Web Site

    Fastest-growing area in the GTA; historic, scenic, family-oriented town with city amenities.
    www.milton.ca/ – Similar pages

    More results from milton.ca »
  2. Employment Opportunities - Town of Milton

    Interested in working for the Town of Milton The Town of Milton’s Standard Employment Application Form can be submitted for part time or temporary 
    www.milton.ca/townhall/jobs.htm – CachedSimilar pages
  3. Milton Ontario News | MiltonSearch.com » Town of Milton planner

    21 Apr 2009  From the Milton Canadian Champion: The Town is beginning a planning study that would transform Main Street east of downtown from strip malls 
    miltonsearch.com/news/?tag=town-of-milton-planner – CachedSimilar pages
  4. The Town of Milton Community Partnership Updates

    In October, 2007, Barrett Xplore Inc. (BXI), through its Xplornet brand, was awarded a contract by the Town of Milton to provide broadband coverage in rural 
    www.xplornet.com/partnership_milton.php – CachedSimilar pages
  5. Town of Milton Carpool Zone | Town Of Milton Carpool Zone

    This is Carpool Zone is for the exclusive use of employees of the Town of Milton.
    milton.carpoolzone.smartcommute.ca/ – CachedSimilar pages
  6. Town of Milton Eco-tech Village Pilot Project Urban Design 

    Town of Milton Eco-tech Village Pilot Project Urban Design Charette : Making Choices Towards Sustainability. This document is part of the Research 
    https://www03.cmhc-schl.gc.ca/b2c/b2c/init.do?language=en&shop=Z01EN&areaID=0000000043&productID… – CachedSimilar pages
  7. [PDF]

    Town of Milton Joins Call for Ontario to Provide Fair Funding for 

    File Format: PDF/Adobe Acrobat - View as HTML
    27 Jan 2009  Milton: The Council of the Town of Milton last night passed a resolution calling on the Ontario government to fairly fund hospital, 
    www.growingcommunities.ca/files/Town-of-Milton-Passes-Resolution.pdf – Similar pages
  8. Town of Milton web site – Text Based version

    Mobile, Text-Based web site for The Town of Milton.
    mobile.milton.ca/index_text.php – Similar pages
  9. Town of Milton – Halton Region

    28 Apr 2009  Milton Town Hall, 150 Mary Street, Milton, L9T 6Z5 Bus: 905-878-7252 ext. 2100. Fax: 905-878-6995. Fax: 905-878-5927 
    www.halton.ca/Council/councillor_contact/town_of_milton.htm – CachedSimilar pages

Canada-Ontario Municipal Rural Infrastructure Fund - Town of

MILTON — The Government of Canada, the Government of Ontario and the Town of Miltontoday announced funding under Intake Two of the Canada-Ontario Municipal 
www.comrif.ca/epic/site/comrif-fimrco.nsf/en/00128e.html – CachedSimilar pages -


What is interesting to me, is how the results change, and then all of the options that Google gives you to narrow the results. Let’s look at some of those options, which you’ll find by clicking ‘Show Options’ just under the search term box . . . . .
If we click on the ‘Video’ link, we get a fine selection of videos:

  1. GUBA – BBC’s North & South (part 2 of 4)

    52 min – 25 Mar 2008 – of Elizabeth Gaskell’s love story of Margaret Hale, a middle class southerner who is forced to move to the northern town of Milton
    guba.com
  2. YouTube - Milton Talk of the Town with Special guest 

    16 min – 23 Jun 2008 – local Cable TV host Brian Kelley interviews CNN America Morning producer Ed Keohane in his home town of Milton, MA.
    youtube.com
  3. YouTube – Top 20 Football Goalkeeper Saves

    3 min 29 sec – 29 May 2008 – Lincoln City | Macclesfield Town | Mansfield TownMilton Keynes Dons  Basingstoke Town | Bath City | Bishop’s Stortford | Bognor 
    youtube.com
  4. Town Farm, Milton Keynes

    1 min 15 sec – 30 Apr 2008 – www.a1tourism.com Town Farm, South End,Milton Bryan, Woburn, Milton Keynes, Buckinghamshire, MK17 9HS, England Click on the blue 
    youtube.com
  5. Dailymotion – Football League Goal Of the Year 2006 

    13 Aug 2007 – Grimsby Town Hartlepool United Hereford United Lincoln City Macclesfield Town Mansfield Town Milton Keynes Dons Notts County 
    dailymotion.com
  6. Erik Hanson on MySpace Music – Free Streaming MP3s 

    3 min 20 sec – Erik Hanson came into this world in the small Vermont town of Milton, VT. Within months, his family packed up and moved to the promising town
    myspace.com
  7. Niagara Escarpment tour: Town of Milton and Mill Pond

    1 min 40 sec – 3 Aug 2007 – These video clips were taken during my driving tour around the Niagara Escarpment on July 18, 2007. As much as I love Toronto, I occasionally 
    youtube.com
  8. UB40 Live @ Campbell Park Milton Keynes singing 

    4 min 11 sec – 22 Jul 2006 – UB40 Live @ Campbell Park Milton Keynes singing Kingston town on 16th July 2006.
    google.com
  9. MySpace.com – Supreme Tyranical Leader of the Dufes 

    3 min 19 sec – 6 Oct 2007 – i hung out with one of your old companions last night. i think you served with him in a town called milton i think? he knows you as the grand funk 
    myspace.com
  10. Delaware Waterfront Real Estate for Sale

    4 min 15 sec – 4 Dec 2006 – This home is designed for optimum views of nature scenery and the Victorian Shipbuilding Town of Milton. A First Floor Master Suite makes this 
    google.com

What is quite interesting about them is that few are to do with Milton, ON.

Until I became owner of the domain http://TownofMilton.com about 10 years ago, and started receiving offers to purchase it, I was not aware of all the places named ‘Milton’ on the planet. I never did end up selling the domain, mostly because I use it as a control spot for about 60 of my web sites, and if I sold it, they would all have to be re-written in great depth as all the linking refers at some point to townofmilton.com. Another reason to keep the domain was that the highest offer I received was $25,000. I actually started pursuing that offer, and then the offeree changed their mind.

Clicking on the ‘Forums’ option gives us these results – obviously much older and less useful for other than interest sake:

  1. Town Water..Milton, NY – Topix

    6 posts - Last post: 28 Feb 2007

    I can assure you the water in this town is very potable. I can assure you the health department would not let us provide tax payers with 
    www.topix.com/forum/city/marlboro-ny/TC43VTEIRCABNMGRH – CachedSimilar

  2. Milton Transit – Canadian Public Transit Discussion Board

    20 posts - 12 authors - Last post: 26 Feb 2008

    Oakville Transit took delivery of 3 out of 4 Blue Bird Ultra LF Buses, owned and purchased by the Town of Milton. They arrived in Oakville, 
    www.cptdb.ca/index.php?showtopic=4991 – CachedSimilar

  3. Anyone Purchase Country Homes In Milton – BuildingHomes.ca 

    10 posts - 6 authors - Last post: 16 Oct 2008

    I guess we’ll be calling the Town of Milton again, to see if they  I spoke to the town of milton and confirmed the site draft plan is 
    www.buildinghomes.ca/community/forums/showthread.php?t=6884 – CachedSimilar

  4. Heritage Creek in Milton DE (Milford, New Castle: rental, the best 

    10 posts - 9 authors - Last post: 4 Apr 2008

    If land’s not a concern for you (we have two small children), Heritage and Summerwalk will probably be a great bet. The town of Milton is 
    www.city-data.com/forum/delaware/23285-heritage-creek-milton-de.html – CachedSimilar

  5. topic – Sewer Gas in Milton

    15 posts - 6 authors - Last post: 24 Oct 2007

    While some of the staff findings are correct, the Town of Milton and the PSC has failed to address the problem of sewer gas in the 
    miltonwv.org/viewtopic.php?t=6&sid=c4b0426b9581a3105b206ed52fd88399 – Similar

  6. Mattamy Milton townhouse fencing

    15 posts - 9 authors - Last post: 2 days ago

    We’ve phoned everyone we could think of, ie Mattamy, the Town of Milton, Fire Dept..etc… Has anyone run into this problem? 
    www.hawthornevillager.com/phpbb/viewtopic.php?t=18308&sid=38d25d6a47155e5b655cb962bf8a90e6 – CachedSimilar

  7. Milton Ontario – xplornet – BAD DEAL – Page 2 – Forums

    10 posts - 5 authors - Last post: 25 Apr

    QUOTE from their site (((((Town of Milton residents will also receive Xplornet promotional offers in accordance with the agreement. 
    www.xplornetsucks.com/forums/showthread.php?p=5434 – CachedSimilar

  8. Best restaurants in the Milton area – Boston Area – Chowhound

    9 posts - 8 authors - Last post: 22 Oct 2008

    I guess if you want to stay in the poorer town of Milton, your options are limited. You could check out more affluent areas like Weston and 
    chowhound.chow.com/topics/566236 – CachedSimilar

  9. BMC UK Racing Team – film of Tour Series, Milton Keynes 

    9 posts - 6 authors - Last post: 24 May

    It was a great event – thanks to the Tour Series and the town of Milton Keynes. (IMG:style_emoticons/default/smile.gif) 
    www.timetriallingforum.co.uk/index.php?showtopic=33112 – CachedSimilar

BMC UK Racing Team – film of Tour Series, Milton Keynes – The 

4 posts - 4 authors

A short film of BMC UK RT at yesterday’s Milton Keynes round of the Tour  It was a great event – thanks to the Tour Series and the town of Milton Keynes. 
forum.errl.org.uk/showthread.php?t=6208 – CachedSimilar

The next link is ‘Reviews’, and this does indeed bring us a lot of very interesting information about the Town of Milton:
  1. Official Plan Review - Town of Milton

    The Official Plan Review will be guided by, and will implement where appropriate, the new Destiny Milton 2 goals and directions.”  “Encourage cost effective and timely municipal/community infrastructure development; and”  “Encourage well timed service delivery.
    www.milton.ca/townhall/projects/opr.htm – CachedSimilar
  2. Ward Boundary Review - Town of Milton

    Milton Council approved new ward boundaries on March 30, 2009. These wards will take effect the day the new Council of the Town of Milton is organized after 
    www.milton.ca/townhall/projects/wardreview.htm – CachedSimilar
    More results from www.milton.ca »
  3. Town of Milton

    Mobile, Text-Based web site for The Town of Milton Site Plans and condominiums, as well as being responsible for the Town’s urban design program, 
    mobile.milton.ca/townhall/depts/planning/devreview.htm – Similar
  4. Town of Milton

    Ward Boundary Review - Town of Milton The Town of Milton is presently governed by an 11-member Council, consisting of the Mayor and 10 Councillors: 
    mobile.milton.ca/townhall/projects/wardreview///regional.htm – Similar
    More results from mobile.milton.ca »
  5. Meridian Planning Consultants INC. – meridianplan.ca

    Milton Official Plan Review. Meridian was retained by the Town of Milton to update its 1997 Telecommunications Tower Policy Framework - Town of Milton
    www.meridianplan.ca/whatsnew/ – CachedSimilar
  6. Trafalgar War Memorial Honour Roll List Available for Review

    This “honour roll” has been available for public review since June 30 at various locations in Oakville, Milton and Burlington, as well as on the Town’s
    www.oakville.ca/2565.htm – CachedSimilar
  7. Prudential Town Centre Realty Milton – Real Estate Brokers & Sales 

    Prudential Town Centre Realty is one of Ontario’s largest independently owned real estate Be the first to review Prudential Town Centre Realty Milton
    www.goldbook.ca/goldbook/milton/Real-Estate-Brokers-Sales-Representatives/prudentialmilton.html – CachedSimilar
  8. [PDF]

    Official Plan Review Financial Update

    File Format: PDF/Adobe Acrobat - View as HTML
    5 May 2008  Review Development Charge ineligible items. • Propose an additional per unit charge. • Precedents for Other Municipalities: Town of Milton
    www.eastgwillimbury.ca/Assets/Town+Hall/Branches/Development+and+Legal+Services/OP+Review/DC+and+CCC+May+5+Pres.pdf – Similar
  9. [PDF]

    Page 1 ENVIRONMENTAL ASSESSMENT ACT SECTION 7.1 NOTICE OF 

    File Format: PDF/Adobe Acrobat
    Municipality of Kincardine to the Milton Switching Station in the Town of Milton Town of Milton, 43 Brown Street, Milton, 905-878-7252 or 1-800-418-5494 
    www.ene.gov.on.ca/en/eaab/Documents/brucemilton_NoC.pdf – Similar

[PDF]

Update on Planning Initiatives in Halton Region

File Format: PDF/Adobe Acrobat - View as HTML
the Urban Separator Study and East Milton 407 Parkway Belt. (NinthLine) Corridor (Town of Milton);Town of Oakville Zoning. By-law Review – Industrial Zoning 
www.mississauga.ca/file/COM/mchalton3rep.pdf – Similar
Clicking the link for ‘Last 24 hours’ does, as one might expect, bring us the most recent, relevant results:
  1. TheSpec.com – BreakingNews – Ex-city staffers seek $7M in damages 

    19 hours ago – Redmond now works for the Town of Milton and Charlton works for Haldimand County. McGrath is working, but Fyshe declined to say where. dnolan@thespec.com 
    www.thespec.com/article/581190 – Similar
  2. Metroland West Media Group, proudly serving Southern Ontario 

    6 hours ago – The Town of Oakville will receive $15 million from both the Ontario and Federal Guelph Tribune, Milton Canadian Champion, Mountain News (Hamilton) 
    www.oakvilletoday.ca/news/article/260294 – Similar
  3. DailyWebTV.com Contests

    6 hours ago – The Town, in partnership with Halton Region, is offering Oakville residents a way of  Guelph Tribune, Milton Canadian Champion, Mountain News (Hamilton) 
    www.oakvilletoday.ca/news/article/260287 – Similar
    More results from www.oakvilletoday.ca »
  4. CNW Telbec | WEST 49 INC. | West 49 Inc. reports stronger first 

    9 hours ago the Company opened a West 49 store in the Milton Centre in Milton The Company closed its Off The Wall store in the Lougheed Town Centre in Burnaby, 
    www.cnw.ca/en/releases/archive/June2009/11/c5292.html – Similar
  5. Ontario GTA photo tag……. – Page 46 – GTA Motorcycle.com

    10 posts - 6 authors - Last post: 23 hours ago

    “This is not a good town for psychedelic drugs. Reality itself is too twisted  Location:Milton. Posts: 89. ZX-6R.com is on a distinguished road. Default 
    www.gtamotorcycle.com/vbforum/showthread.php?t=80075&page=46 – Similar

  6. Newmarket Travel: City of Newmarket Ontario Tourism Directory 

    16 hours ago – A visit to the Ontario town promises an exciting mix of historical adventures and outdoor fun. The Historic Downtown District is home to many noted 
    www.newmarket-on.worldweb.com/?cpnAdId=1071 – CachedSimilar
  7. Metroland West Media Group, proudly serving Southern Ontario 

    4 hours ago – In addition, it is mandatory in the Town of Oakville for dogs to be licensed and for  Guelph Tribune, Milton Canadian Champion, Mountain News (Hamilton) 
    www.oakvillebeaver.com/news/article/260374 – Similar
  8. Metroland West Media Group, proudly serving Southern Ontario 

    6 hours ago – He had heard of a town in the foothills. He remembered the name: Calgary. Guelph Tribune, Milton Canadian Champion, New Hamburg Independent 
    www.hamiltonmountainnews.com/canadajack/chapters/177811 – Similar
  9. Photoshop challenge: Make the ‘inclusive’ Fun Guide more fun 

    8 hours ago – A town this serious needs to lighten up sometimes.  media, metro passes, Michael Bryant, Michael Thompson, Miller, Milton, Moment T.O., Monika Schnarre 
    network.nationalpost.com/np/blogs/toronto/archive/2009/06/11/photoshop-challenge-make-the-inclusive-fun-guide-more-fun.aspx – Similar

Take My Breath Away – AOL Video

2 hours ago – M… 04:03. Rock This Town: Channel:Yahoo! M… 03:29  Numb/Encore: Live From Milton Keynes (Squeaky Clean Version): Artist:Linkin Park 
video.aol.ca/video-detail/take-my-breath-away/2464623121/?icid=VIDURVMUS08 – Similar
Well, I’ll leave it to you to decide how relevant these are, but they are all fairly new results.
Looking to the results from the past week, and the very first result mentions my good friend and family lawyer, Richard Furlong . . .
  1. Mattamy Milton Lawyer review of Mattamy Sales Agreement

    7 posts - 6 authors - Last post: 3 days ago

    We used Richard Furlong here in Milton, he came highly recommended,  costs and changing another clause that if the town slapped Mattamy with excess 
    www.hawthornevillager.com/phpbb/viewtopic.php?t=18004&sid=38d25d6a47155e5b655cb962bf8a90e6 – CachedSimilar

  2. Mattamy Milton Village & MainSt Town/Detach – Ground Level too Cold

    13 posts - 10 authors - Last post: 2 days ago

    Mattamy Hawthorne Village – General :: Village & MainSt Town/Detach – Ground Level too Cold.  Hawthorne Village Mattamy Milton, HawthorneVillager.com 
    www.hawthornevillager.com/phpbb/viewtopic.php?t=15343&start=90&sid=38d25d6a47155e5b655cb962bf8a90e6 – CachedSimilar

  3. [PDF]

    061-2009 Filing Tax Appeals Delegated Authority

    File Format: PDF/Adobe Acrobat - View as HTML
    5 days ago – WHEREAS the Council of the Corporation of the Town of Milton, may complain outstanding and future appeals filed by or on behalf of the Town of Milton
    mobile.milton.ca/execserv/bylaws2009/061-2009%20Filing%20Tax%20Appeals%20Delegated%20Authority.pdf – Similar
  4. The Canadian Institute of Planners

    2 days ago – All of the above noted studies have urban design and heritage planning components, which are increasingly becoming the focus within the Town of Milton
    www.cip-icu.ca/web/la/en/pa/6F0C1DF52BB24C6C98536E3DD44CC93B/jo/35FA275CCC8345AF9DF5D04CEBF4FBAE/job.asp – CachedSimilar
  5. DOXA: selected reviews

    4 days ago – In the town of Lodz, Poland, local government authorities intervened in the  In an combative exchange with the right-wing economist Milton Friedman, 
    www.vancouversun.com/life/westcoast-life/DOXA+selected+reviews/1613482/story.html -CachedSimilar
  6. Metroland West Media Group, proudly serving Southern Ontario 

    2 days ago will present the review’s findings at a town hall meeting on Tuesday, June 30. Guelph Tribune, Milton Canadian Champion, Mountain News (Hamilton) 
    www.cambridgetimes.ca/news/article/177639 – CachedSimilar
  7. Yoga Studios in Milton « miltonblog.ca and miltonblog.com

    2 days ago – Local business results for yoga studios near Milton, ON …. A Glimpse At TownMeetings · Milton School Openings Delayed · Coming Events · Is It Happening? 
    miltonblog.ca/2009/06/09/yoga-studios-in-milton/ – CachedSimilar
  8. 09 « June « 2009 « miltonblog.ca and miltonblog.com

    2 days ago – chris newell welcomes you home to milton. call me @ 905-208-7002 …. A Glimpse At Town Meetings · Milton School Openings Delayed · Coming Events 
    miltonblog.ca/2009/06/09/ – CachedSimilar
  9. TheSpec.com – BreakingNews – Ex-city staffers seek $7M in damages 

    19 hours ago – Redmond now works for the Town of Milton and Charlton works for Haldimand County. McGrath is working, but Fyshe declined to say where. dnolan@thespec.com 
    www.thespec.com/article/581190 – Similar

Olde Yorke Fish & Chips on PlanetEye

5 days ago – Nearby cities: Milton · Barrie · Cheektowaga · Brantford · Hamilton  Belgrade · Berlin · Boston · Budapest · Buenos Aires · Cape Town · Chicago · Denver 
beta.planeteye.com/Place/Olde-Yorke-Fish-Chips+Toronto+117910.aspx?refcon=profile_RA&refid=0 – CachedSimilar
So, here endeth my little experiment and illustration of the thought ‘What would Google do with ‘Town of Milton?’. I certainly learned a few things about Milton while playing for this little research project, and this would seem to be a pretty huge blog post. Let’s see what a bit of time brings . . .

Too Funny – US Government Debt Paydown . .

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This just crossed my email, and I thought it such an outstanding example of what is really happening . . .

How the Stimulus payments work!  Basic economics & cash flow/circulation.

It is the month of August, on the shores of the Black Sea .   It is raining, and the little town looks totally deserted.   It is tough times, everybody is in debt, and everybody lives on credit.
Suddenly, a rich tourist comes to town.
He enters the only hotel, lays a 100 Euro note on the reception counter, and goes to inspect the rooms upstairs in order to pick one.
The hotel proprietor takes the 100 Euro note and runs to pay his debt to the butcher.
The Butcher takes the 100 Euro note, and runs to pay his debt to the pig grower.
The pig grower takes the 100 Euro note, and runs to pay his debt to the supplier of his feed and fuel.

The supplier of feed and fuel takes the 100 Euro note and runs to pay his debt to the town’s prostitute that in these hard times, gave her “services” on credit.
The hooker runs to the hotel, and pays off her debt with the 100 Euro note to the hotel proprietor to pay for the rooms that she rented when she brought her clients there.
The hotel proprietor then lays the 100 Euro note back on the counter so that the rich tourist will not suspect anything.
At that moment, the rich tourist comes down after inspecting the rooms, and takes his 100 Euro note, after saying that he did not like any of the rooms, and leaves town.
No one earned anything.    However, the whole town is now without debt, and looks to the future with a lot of optimism.
And that, ladies and gentlemen, is how the United States Government is doing business

Energy-Efficient Housing Made More Affordable with Mortgage Loan Insurance

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Energy-Efficient Housing Made More Affordable with Mortgage Loan Insurance

More than 17 percent of the energy consumed in Canada is used to run our homes. Buying an energy-efficient home or making energy-saving renovations can offer big savings. A 10% CMHC mortgage loan insurance premium refund and extended amortization period without surcharge may be available when you use CMHC insured financing to purchase an energy-efficient home or make energy-saving renovations.

Mortgage Loan Insurance

For most people, the hardest part of buying a home — especially a first home — is saving the necessary down payment. To help, CMHC offers lenders Mortgage Loan Insurance, which allows you to buy a house with as little as 5% down payment. Offered through most financial institutions, this simple solution has enabled millions of Canadians to realize the dream of homeownership.

CMHC made dreams of homeownership easier to obtain by allowing qualified home buyers to use additional sources of funds for down payments such as a loan or lenders’ cash back incentives.

Help the Planet, Help Your Wallet

CMHC has added environmentally friendly features to the Mortgage Loan Insurance it offers. If you use CMHC insured financing to buy an energy-efficient home, purchase a house and make energy-saving renovations or renovate your existing home to make it more energy-efficient, a 10% refund on the Mortgage Loan Insurance premium may be available. You could also have the added flexibility of a longer amortization (the period of time required to repay your mortgage) from 25 years to a maximum of 35 years for loan-to-value ratios in excess of 80% (or 40 years for loan-to-value ratios of 80% or less), significantly reducing your monthly payments.

The Government of Canada actively promotes energy conservation and initiatives to reduce greenhouse gas emissions that contribute to climate change.

Routing Number VIRGINIA COMMERCE BANK

Read the full details here

How Much Does CMHC Mortgage Loan Insurance Cost?

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How Much Does CMHC Mortgage Loan Insurance Cost?

To obtain CMHC Mortgage Loan Insurance, lenders pay an insurance premium. Typically, your lender will pass these costs on to you. Your lender will give you the exact price when you apply for a mortgage.

The CMHC Mortgage Loan Insurance premium is calculated as a percentage of the loan and is based on the size of your down payment. The higher the percentage of the total house price/value that you borrow, the higher percentage you will pay in insurance premiums.

Remember: without mortgage insurance you may avoid the insurance premium but you’ll typically pay much higher interest rates and additional administrative fees. At the end of the day, for the vast majority of borrowers, the cost of CMHC Mortgage Loan Insurance is more than fully offset by the savings achieved.

A 10% premium refund and extended amortization period without surcharge may be available when CMHC Mortgage Loan Insurance is used to finance an Energy-Efficient Homes.

Loan-to-Value Premium on Total Loan Premium on Increase to Loan Amount for Portability and Refinance
Standard Premium Self-Employed without 3rdParty Income Validation Standard Premium Self-Employed without 3rdParty Income Validation**
Up to and including 65% 0.50% 0.80% 0.50% 1.50%
Up to and including 75% 0.65% 1.00% 2.25% 2.60%
Up to and including 80% 1.00% 1.64% 2.75% 3.85%
Up to and including 85% 1.75% 2.90% 3.50% 5.50%
Up to and including 90% 2.00% 4.75% 4.25% 7.00%
Up to and including 95% 2.75% 6.00% 4.25%* *
90.01% to 95% —
Non-Traditional Down Payment***
2.90% N/A * N/A
Extended Amortization Surcharges
Greater than 25 years, up to and including 30 years: 0.20%
Greater than 30 years, up to and including 35 years: 0.40%

For portability and refinance, the premium is the lesser of Premium on Increase to Loan Amount or the Premium on Total Loan Amount. In the case of portability, a premium credit may be available under certain conditions.

* For portability the maximum LTV ratio is 90%, but CMHC may consider higher LTV ratios when the new ratio is equal to or less than the original LTV.

For portability, the premium is higher for non-traditional down payments on Increase to Loan Amount.

** For conversion from Self-Employed with traditional 3rd party income validation to Self Employed without traditional 3rd party income validation, the premium is the lesser of: a) the Premium on Total Loan Amount or; b) the outstanding balance multiplied by a 1.5% premium plus the Premium on Increase to Loan Amount.

*** Down Payment Requirements – Traditional sources of down payment include: Applicant’s savings, RRSP withdrawal, funds borrowed against proven assets, sweat equity (<50% of min.required equity), land unencumbered, proceeds from sale of another property, non-repayable gift from immediate relative, equity grant (non-repayable grant from federal, provincial or municipal agency). Non-traditional sources of down payment include: Any source that is arm’s length to and not tied to the purchase or sale of the property, such as borrowed funds, gifts, 100% sweat equity, lender cash back incentives.

Premiums in Ontario and Quebec are subject to provincial sales tax. The provincial sales tax cannot be added to the loan amount.

Chrysler’s Canadian plants to reopen within three weeks

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If the following comes true, what a boon this will be to all the local businesses that rely on a healthy auto industry . . .

The Grand Caravans, 300s and Chargers could be rolling off the assembly lines at Chrysler assembly plants here within three weeks after a two-month shutdown as the company’s parent pulls out from bankruptcy court protection with a new partner.

Although Chrysler wouldn’t confirm dates, the Canadian Auto Workers said Wednesday that company officials have suggested to them they want to reopen the minivan plant in Windsor, a big car operation in Brampton and an engine casting factory in suburban Etobicoke by Monday, June 29.

“There’s no official notification yet but we are optimistic the plants will be up and running by the end of the month,” s aid Jerry Di

Routing Number VIRGINIA COMMERCE BANK

as, a CAW senior official. “The company hopes to start by then.”

About 8,700 production and skilled workers at Chrysler operations here have been off the job since the end of April when the parent company gained temporary court protection from creditors in the U.S. Thousands of other workers at scores of parts makers who supply the assembly plants have also remained idle.

Chrysler had wanted to build autos during a 30-60 day bankruptcy period, but the uncertainty about the process and payment prompted some edgy suppliers to stop deliveries. It disrupted operations here and in the U.S. where about 27,000 other workers are also on layoff.

Chrysler spokespersons said Wednesday they had no information on specific reopening dates at individual plants in Canada or the U.S.

Dias, assistant to CAW national president Ken Lewenza, said it is clear Chrysler wants to put the bankruptcy proceedings behind the company and start to build vehicles as soon as possible to improve consumer confidence.

Chrysler sales crashed in Canada and the U.S. last month, partly because of uncertainty surrounding the company’s future, according to industry watchers.

Dias said Chrysler has already recalled some staff to ease the transition to manufacturing work practices from Italian automaker Fiat SpA, Chrysler’s new partner.

“We’ve already incorporated a lot of the lean manufacturing techniques so it shouldn’t be too difficult,” he added.

Last week, Lewenza suggested Chrysler might be running into some shortages of minivans and other models but management left him with the impression Wednesday afternoon that the company could let inventories decline more before resuming production.

“I thought it would be by the 29th but they haven’t confirmed anything yet,” he noted.

The company emerged from court protection earlier in the day with Fiat the new owner of most of its assets, including the Canadian operations.

Chrysler announced that Fiat chief executive officer Sergio Marchionne, who grew up in Toronto, would also head the company.

Marchionne spoke to senior staff at Chrysler’s headquarters in Auburn Hills, Mich., about the company’s push to implement Fiat’s fuel-efficient technologies in smaller cars in North America and develop a new corporate culture.

“He told us bureaucracy doesn’t build cars,” said Lewenza, who heard Marchionne’s speech. “He really emphasized the need for less managers and the need for everyone to help change the culture.”

Chrysler could receive about $15 billion in loans from the U.S. government, and another $3.8 billion from Ottawa and the province to help it recover from the worst industry slump in decades.

The company announced several management changes, including the appointment of president Jim Press as deputy chief executive, and individual presidents for the Chrysler, Dodge and Jeep brands. Reid Bigland, Chrysler Canada’s chief executive officer, will remain in his currrent post.

Chrysler chief executive officer Bob Nardelli informed staff of his departure while Stephen Landry, executive vice-president of North American sales and a former chief executive of Chrysler Canada, confirmed his retirement. Vice-chairman Tom LaSorda, a Windsor native, retired last month.

Under Chrysler’s new ownership structure, Fiat will hold up to 35 per cent; the United Auto Workers in the U.S., 55 per cent; the American government, 8 per cent, and the federal and Ontario governments, 2 per cent.

Earlier in the week, the company overcame the last hurdle in bankruptcy proceedings when the U.S. Supreme Court declined to rule on objections from some pension funds that the sale to Fiat favoured some unsecured creditors over secured debtholders.

TORONTO STAR


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