Fact: Many Canadian home owners hold high interest debt on credit cards, personal loans and lines of credit. These debts can be easily consolidated into your mortgage and turned into One Low Monthly Payment. This reduced monthly payment will give you the ability to SAVE MONEY again for the future.

The 3.19%* rate can also be applied to HOME PURCHASES and MORTGAGE RENEWALS. If your mortgage is up for RENEWAL BEFORE June 2012, please give Frank a call to book your appointment and ensure that you have the best rate. Don’t Auto Renew. This could cost you over $300.00 per month!!

Save Your Money! Contact Frank Napolitano of MortgageBrokersOttawa.com today for a FREE, no-obligation appointment at 613-656-0757, or by email at frankn@mortgagebrokersottawa.com. Don’t delay – the best service and the best rates are just a phone call away! Visit www.MortgageBrokersOttawa.com for more information. You can also listen to my expert mortgage advice every Saturday morning at 10:00 am live on 580 CFRA.

*Rates subject to change without notice. On Approved Credit Only.

Often your comprehensive coverage might be to only a pre-set limit. Talk to your agent and make sure you know in advance what the cut-off levels might be. The liability portion of your insurance policy covers not just your home but liabilities if your actions accidentally hurt someone. You don’t want a wipe-out ski accident to wipe you out financially. Solid liability insurance means your insurer will defend you.  Have you made changes to your home? Improvements? Then your insurance needs may have changed too. Let your insurance agent know – you don’t want to be under-insured.

Not sure about your needs? The Co-operators offers a broad range of coverage for different needs and they have many new special features. Talk to Jacqueline Hunter at Jacqueline & Associates about protecting your castle – your home deserves it.   Jacqueline & Associates Inc. – The Co-operators Insurance is located at 480 Somerset

St. W. Call 613-236-0781 or email Jacqueline_hunter@cooperators.ca.

Using the extensive people skills honed in her career as a social worker, Mary helps you feel at ease with every step of the process. She is accustomed to working with people through stressful times with tact and diplomacy. Attending to all your sale’s details, her team takes a professional approach to meeting your needs by arranging appraisals, setting prices, and advertising the sale. They also have access to expertise for special-interest goods, including art, costume jewellery, or hobby equipment.  

An initial consultation, sales plan, advice and estimate are all free. The cost of other services is based on the size and nature of the sale, with the seller paying for advertising costs. The team provides a full accounting of the inventory list, fees and sales.

If you need help with downsizing, or are in the unfortunate position of needing to hold an estate sale, please call 613-276-2452 or email mary.shay@sympatico.ca. For testimonials or sale locations, visit maryfrancesestate.com.

Rainbow Foods is renowned for its extensive selection of gluten-free products: flours and baking mixes, great breads like Udi’s® Gluten Free and La Maison Cannelle, desserts by I Can’t Believe It’s Gluten Free and Kinnikinnick Foods®, pastas, prepared foods, frozen pizzas, snacks and more. With buyers always on the lookout for new gluten-free products, there’s usually something new in store. Mark your calendars and come by May 12, from 11 a.m. to 4 p.m., for Rainbow’s next gluten-free day and the opportunity to sample a number of the gluten-free products they carry.

Rainbow Foods’ April flyer, running from April 5th to April 29th, features pages of great deals on supplements, bodycare and food. The Spring Seminar Series continues through April and May, covering such topics as Low Sodium Cooking, Complementary Medicine and Cancer and Weight Loss. For more information on all the seminars, please visit www.rainbowfoods.ca, or pick up a brochure in the store at 1487 Richmond Rd.

Rainbow Foods believes information is important to their customers. Drop by and speak to their knowledgeable staff, or sign up for the email newsletter and get up-to-date information and research about all their products.

connected and they’re all connected to being overweight. If you need a program where you’re guaranteed to lose weight then the Ideal Protein Weight Loss Method might be for you. On the method you lose 3 to 7 lbs. a week of primarily fat. The method helps maintain your muscle mass and helps in cellulite reduction. The proven, long-lasting results also help you re-establish pancreatic function. As Nicole points out, you not only look better, but you feel better and have more energy. The Ideal Protein Weight Loss Method also makes sure you get the vitamins you need.

The Ideal Protein Weight Loss Method works by helping your body maintain muscle mass and forcing it to burn its fat reserves.  The method has four phases. Through each phase your food is supplied and you get one-on-one coaching with weekly support

sessions and nutrition education. Phase One is followed until you achieve 90% of your weight loss goal. Phase Two is followed until you actually achieve your goal. Phase Three gradually reintroduces over a two-week period healthy carbohydrates and fats into your diet. Phase Four helps you maintain your new weight and shape – for life!

What have you got to lose? Get rid of your extra weight right now! For personalized and guaranteed weight loss, call Nicole Nayel today at 613-807-5677 or email anayel01@hotmail.com and find out about the Ideal Protein Weight Loss Method. The West End Ideal Weight Loss Center is located at 1716 Woodward Avenue, Unit 301 near Clyde Ave.

Legacy Valuing Tradition Pet Food is all natural with local fresh ingredients provided weekly from  within 100km of the manufacturing  facility just north of Waterloo. They do not warehouse their pet food.  It is made to order to ensure it is  fresh and palatable.

Legacy Valuing Tradition offers complete, all natural nutrition for the life of your pets.  It is a completely balanced diet that provides optimum levels of highly digestible proteins from fresh chicken, lamb and salmon. This provides an accurate balance of amino acids, natural glucosamine  and the perfect ratio of calcium and phosphorous to maximize the health of muscles and bones.

They use three high quality energy sources: brown rice, dehulled oats and dehulled barley.  These unrefined grains release energy slowly and keep pets feeling satisfied longer.  The coarse ground heart shaped kibble also creates a natural abrasion essential for keeping teeth and gums clean and helps with sensitive stomachs.   It slows digestion and helps clean out the digestive track.  Legacy Valuing Tradition products are also an excellent source of Omega-3 and Omega-6 fatty acids which are great for your dog’s heart, skin and immune system.

Legacy Valuing Tradition provides your dog with superior nutrition from puppy through to senior years. It is available for sale and/or a free sample at Country Spaw & Resort in North Gower where all the “clients” enjoy this fine dining experience. You can also purchase the dog food on line at www.countryspawandresort.com.  Delivery available.  Try Legacy Valuing Tradition on your pets and see the difference.  Ask about the frequent buyers’ club at Country Spaw & Resort.  Call 613-489-5281.

Six Reasons to Call Us Today

From friendly service, fantastic pricing and the best products on the market, there are
many reasons why you should let Furnace Factory Direct take care of your heating and
cooling needs.

Here are six great reasons to call Furnace Factory Direct today:

1. Service: Our technicians are so courteous and friendly we were nominated for the BBB Torch Awards last year.
2. Pricing: Fantastic pricing is definitely one thing we are known for, and the reason we
   are growing so fast.
3. Financing: 0% financing is now available for a limited time.
4. Government Rebates: Save up to $2,590 on some systems with government rebates.
5. Products: We have nothing but the best products from brands such as American Standard, Whirlpool, Viessmann, Buderas, Bosch, Honeywell, Armstrong & more.
6. Free Estimates: One of our comfort advisors will visit your home to provide a free no-pressure estimate.

Furnace Factory Direct sells, installs and repairs brand name heating and cooling equipment
such as furnaces, boilers and fireplaces. Comprehensive protection, maintenance and cleaning packages, as well as 24-hour emergency service, are also available.

Owner Tom Kingdom and his team service homes in Ottawa and surrounding areas with professionalism, courtesy and respect. From the friendly office staff to the uniformed,
factory-trained technicians, they are committed to providing exceptional customer service.

Furnace Factory Direct is located at 174 Colonnade Rd. Unit 9.
For more information about their products and services, please call (613) 829-8186, or visit
www.furnacefactorydirect.ca.

Qualicare comes to Ottawa: -

For ten years, Qualicare, a private Canadian company, has been serving families who face challenges caused by aging and medical crises. The Ottawa branch of Qualicare is owned and operated by Eddie and Kathy Chu, who became aware of the need for homecare when their parents faced health- and age-related challenges.

Kathy and Eddie describe the services provided by Qualicare: “The quality of care is what you might expect from your own family caregivers. Whether you need a companion, personal support worker, or medical professional, Qualicare can help. We provide a tailored and goal-oriented care plan, taking a holistic approach to improve quality of life. Since government services are often constrained by limited budgets, we offer supplemental care and help clients navigate the healthcare system to maximize available services.”

Qualicare offers expert personal care, companionship, light housekeeping, 24-hour monitoring and support, accompaniment with visits, live-in care, palliative care, and more.

During this holiday season, let Qualicare help you gain peace of mind. Their expert caregivers can:

• Take care of your parents with award-winning homecare
• Give family caregivers relief during this busy time
• Help your loved ones enjoy the holidays in familiar surroundings

Of special note is Qualicare’s unique 360° Case Management by a Personal Care Manager who acts as a single point of contact for all care-related activities, like a “professional daughter”. This allows the family and loved ones to focus on the patient without being overwhelmed by arranging care services from various sources.

Qualicare Ottawa offers special discounts up to January 15, 2012.

To find out more, visit www.qualicare.com/ottawacentre or contact Eddie or Kathy at (613) 366-2899.

Backing up your data is essential. Hard drives fail, a virus may strike, whatever the cause may be, the effect is that all your hard work, videos and irreplaceable images are gone. Ideally a procedure for backing up should be automatic. Automatic backup means that the backup will never be forgotten, very important before there is a system failure.

 The first stage to starting automatic backup is to identify exactly what data needs to be backed up. Generally this will be email, videos, images and documents. If you are using windows then you already have an option available free of charge called windows backup.

Alternatively you can decide to backup online. This can be done automatically and your data is stored by the provider. In the event of a system failure it is an easy process to download your data after the system has been recovered.
Typically you are charged on the size of your data backup and some on-line services even offer an automatic backup of any data file when it is changed.

 If you not using automatic backup software and instead doing it manually, then consider burning your data to DVD, put the disks in a safe location and in a separate location from your computer. This will prevent the issue of a fire or theft at your primary data site and prevent you losing all your data.

System and software can be easily replaced, very often your data cannot!

By Len Cobb – Nerds On Site, Ottawa.
leonard.cobb@nerdsonsite.com

My business phone system needs to be replaced! What do I do?

The last 10 years has seen a complete revolution in voice phone services. Many small business are still using phone systems more than 10 years old and still paying the phone company large monthly fees.

I’m tired of paying big fees what am I to do? Well! The good news is that the problem can be easily solved. Small phone systems using Voice over IP (VOIP) technologies have come a long way and now surpass traditional small phone systems in terms of features, quality, availability, cost saving and ease of use.

Remember that not all VOIP solutions are the same , many simply provide their voice services over the Public Internet thereby unable to control the voice quality. It’s important that you get one that meets your needs. One example is the Fibernetics Digital PBX which provides telco grade voice quality and reliability. It can do this because it uses a managed private internet network.

At the same time Fibernetics’ system provides standard features such as auto attendant, call groups and voicemail, plus advanced features such as cell phone forwarding, email integration and call recording. And the nice thing is that this is all available at significant cost savings over what you are paying today.

If you are looking for a new phone system, check out www.fibernetics.ca

By John Brule & Robert Goliss – Nerds On Site