October 28, 2008 – Joan Mcguigan Pepin of McGuigan pepin Inc., has been recognized by her industry peers for her dedicated client service, honesty, integrity and outstanding market knowledge.

«Joan is a tremendous example of a Most Referred real estate professional. Joan has consistently demonstrated the hallmarks of a trusted REALTOR – integrity, market knowledge and superior customer service» says James Secord, President of Most Referred.

«We are proud to present this award to Joan McGuigan Pepin for being recognized as one of the Top 3 «Most Referred Real Estate Agents» in Westmount, Qc, and welcome her to our network, » he added.

Most Referred Real Estate Agents is an independent network of the most trusted, reputable and professional real estate agents in North Americe.

As part of its efforts to address the current financial crisis, the federal government announced that it will inject $75 billion of new money¹ into the financial system, by buying insured mortgage pools from Canadian financial institutions.
The purpose of this measure is to add liquidity to financial institutions – money they can then lend to businesses and consumers. The main effect of such an initiative is to increase the availability of credit while, at the same time, making the cost of credit more affordable. As a result of this plan, financial institutions' mortgage interest rates should drop, which is likely to stimulate activity on the resale market.
This announcement is good news for our financial system and for the economy in general. Ultimately, it is borrowers who will benefit from this initiative, particularly future home buyers.
This federal government intervention was made necessary by the fact that the financial crisis has led to a significant reduction in the amount of credit made available by the private sector and, as a result, higher costs. In this context, banks' financing costs increase, which translates into higher prime rates and mortgage rates.
The purchase will be made through the Canada Mortgage and Housing Corporation (CMHC) and will focus exclusively on mortgages that are already insured under its mortgage loan insurance program.
For additional information, consult the news release and backgrounder issued by the Department of Finance by clicking here.

 1: Minister of Finance, Jim Flaherty, made an initial announcement of $25 billion last October 10, and announced an additional $50 billion on November 12.

By virtue of its mandate, the Commission de la santé et de la sécurité du travail (CSST) is responsible for applying the laws and regulations in respect of occupational health and safety, including the First-aid Minimum Standards Regulation.

The course requires the class to practice rescue techniques on each other. Not wanting to go it alone, I persuaded Marianne to join me. Both of us spent two entire days learning how to save lives. The experience was both exhausting and exhilarating. We are now certified first aiders and qualified to help save lives.

The role of the first aider is to take the crucial steps of alerting Emergency Medical Services (EMS), maintaining the life of the injured person, preventing his/her injuries from worsening, and providing comfort and reassurance. So, dealing with McGuiganPepin, you are in good hands…with a smile…talk about full service!