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8 Things To Do in St. Thomas City

As real estate projects grow, residential and commercial spaces are up for grabs. Whether it will be used as a home or for business, the location is one of the first things that should be considered before going all in for it.

 

Our team, Ontario Land and Properties, has several spaces available for lease and rent in the beautiful city of St. Thomas. It’s more or less two hours away from Toronto, located in Southwestern Ontario. It is said to be the seat for Elgin County although it is independent of the county. It’s part of the London Census Metropolitan Area.

 

So what’s in St. Thomas City and why should you choose to move or set up your business there? Here’s a list of things you can do and places to see in this exciting new environment!

(Our source is: https://www.railwaycitytourism.com/to-do.html — you can check more details here)

 

  1. 1. Immerse yourself in Arts & Culture and appreciate the creations of talented individuals.  There are a display of paintings and sculptures, an array of gift shoppe items, books, and other things.
  • St. Thomas Elgin Public Art Centre – 301 Talbot Street St. Thomas, Ontario N5P 1B5
  • Dotsy’s Costume Shop – 111 Ross Street, St. Thomas On N5R 3X8
  • Backroading Elgin – (https://www.railwaycitytourism.com/uploads/2/1/4/9/21492992/2014colourmap.pdf )
  • Cultural Maphttp://www.stthomasculture.ca/
  • St. Thomas Public Library – 153 Curtis Street, St. Thomas, Ontario N5P 3Z7
  • Little Red Mitten – 86 Talbot Street, St. Thomas, Ontario N5P 1A5
  • Medlyn Stained Glass & Jewellry Studio – 643 Talbot Street, St. Thomas, Ontario N5P 1C9
  • Murals – Talbot Street, Elgin Street, First Ave
  • Princess Ave Playhouse & the Elgin Theatre Guild (40 Princess Ave, St. Thomas, Ontario N5R 3V5)
  • Romantic Designs Studio – 120 Wellington Street, St. Thomas, Ontario N5R 2R4
  • Village Collective – 46329 Sparta Line, St. Thomas, Ontario N0L 2H0

 

  1. Visit downtown and spend your day like a local. Shop for fresh produce and meat, visit heritage places, and eat in local cuisines!

 

  1. Take a trip down history lane with the Heritage & Museums. Here’s a list of places with their addresses which you can pay a visit and discover a lot more about the stories of the past.
  • CASO Station – 750 Talbot Street, St. Thomas, Ontario N5P 1E2
  • City Hall – 545 Talbot Street, St. Thomas, Ontario N5P 3V7
  • Courthouse – 4-8 Wellington Street, St. Thomas, Ontario N5R 2P2
  • Dowler-Karn Museum – 43841 Talbot Line, St. Thomas, Ontario N5P 3S7
  • Elgin County Museum – 460 Sunset Drive, St. Thomas, Ontario N5R 5V1
  • Military Museum – 30 Talbot Street, St. Thomas, Ontario N5P 1A3
  • Old. St. Thomas Church – 55 Walnut Street, St. Thomas, Ontario N5R 2Y7
  • Princess Ave Playhouse – 40 Princess Ave St. Thomas, Ontario N5R 3V5
  • Elgin County Railway Museum – 225 Wellington Street St. Thomas, Ontario N5R 2S6

 

  1. Visit Jumbo (St. Thomas is the home of Jumbo)

Did you know that St. Thomas City is the home of Jumbo? This lovable elephant is said to be the star of P.T. Barnum’s “Greatest Show on Earth”  which have brought the largest crowds in the history of the circus. Don’t forget to bring your phone for a quick selfie with Jumbo!

 

  1. Stroll around parks and be one with nature. Breathe some fresh air and take a walk!
  • Athletic Park – 87 George Street, St. Thomas, Ontario N5P 2L4
  • Dalewood – 10518 Dalewood Rd. St. Thomas, ON N5P 3T3
  • Dan Patterson – 11500 Highbury Ave, St. Thomas, ON N5P 3T3
  • Pinafore Park – 95 Elm Street, St. Thomas, Ontario N5R 1H7
  • Springwater – 8079 Springwater Rd. Aylmer, Ontario  N5H 2R4
  • St. Thomas Elevated Park – Talbot and Sunset , St. Thomas, Ontario
  • Trail Guideshttps://www.railwaycitytourism.com/trails.html
  • VA Barrie Park – 68 Sunset Drive St. Thomas, Ontario
  • Waterworks Park – 2 South Edgeware Rd, St. Thomas, Ontario N5P 3H4

 

  1. Shop ’til you drop and get yourself some souvenirs you could keep or give away!
  • Arts & Antiques
  • Clothing & Jewellery
  • Downtown Shopping
  • Shopping District & Malls
  • Specialty Shops
  • Toy Stores & Children’s Clothing

 

  1. Go for sports & recreation. Keep up an active lifestyle and choose from the various activities you can do around St. Thomas! For more details, you can visit the website mentioned above.
  • Active Elgin
  • Baseball
  • Bowling
  • Community Recreation
  • Curling
  • Disc Golf
  • Jackpot City
  • Golf
  • Hockey
  • Raceway Park
  • Running
  • Soccer
  • Sports Centres
  • St. Thomas Stars
  • Swimming
  • Tennis
  • YMCA
  • Whistlestop Trail

 

  1. End the day with a spa & wellness treat
  • Cedarhurst Salon and Spa – 76 Talbot Street
  • Dragonfly Salon and Spa – 114 Centre Street
  • Elements – 330 Talbot Street
  • Enjoy the Journey Yoga – 456  Talbot Street
  • Hair, Body & Soul Day Spa – 757 Talbot Street
  • The Peaceful Path – 30 Woodworth Ave
  • Retreat Day Spa – 133 Curtis Street
  • Serenity Now Massage Therapy – 84 Talbot Street
  • Simply Divine Eurospa – 51 Riverband Drive
  • Spice Spa – 542 Talbot Street
  • Tru Hot Yoga – 459 Talbot Street
  • Wildflowers Wellness – 42338 Fruitridge Line
  • The Wellness Room – 141 Wellington St.
  • White Feather Spa – 550-A Talbot Street
  • The Yoga Studio – 456 Talbot Street

 

If you’re looking for a place to live or a commercial space to set up your business in, St. Thomas City is the place to be. Ontario Land and Properties has both residential and commercial spaces up for grabs. We have up to 18,000 SF of commercial and office spaces for your business. On top of that,  we also have several upscale apartments that you can call your home!

Things To Do
How to Get a Good Mortgage Deal

When you are already decided in getting a mortgage and have set up a plan getting that loan, the only missing step is to get a good mortgage deal to make sure you make the most out of the loan. A good deal is an opportunity every borrower has over a mortgage loan. It is very critical that we take a look at how we can take advantage of getting a good deal.

A good deal can spell out big savings and great payment terms. It can help us maximize the resources we have and increase the value of the loan compared to what we are paying back. Here are five steps you can look at in getting that one good deal.

Getting your credit standing report

The best way to sell something is knowing what you are selling. When getting a mortgage loan, you are selling yourself to the mortgagor. The best way to know about yourself in credit situations is to by studying your credit score. This will allow you to anticipate what questions and concerns the creditor may have on your credit history and will allow you to prepare for the answers.

Shop for mortgage lenders

This is a critical step. Don’t just settle for the lender next door or the lender that was recommended. Look at different list of licensed lenders or pawnshops and compare. The advantages that one may offer may not be really an advantage to what you need as part of the loan. Compare the interest rates, payment terms and other matters that form part of the loan. Don’t hesitate to show the lenders that you are comparing them with one another. This gives you the edge to negotiate once you’ve picked your licensed moneylender in Singapore.

Make use of a mortgage shopping worksheet

This allows you to check the same information from each lender. You can identify Interest rates,  fees, taxes, insurance costs and other matters that involve the mortgage. It is critical that you gather the same information from different lenders. This gives you the ability to compare and identify the advantages each online lending company has and which one is right for you.

Negotiate

This is your time to negotiate. Do not hesitate and be shy to ask for lower rates or better terms. Use the information you have gathered and let them know what is possible. Do not ask for something that is beyond reasonable. Nobody wants to deal with people who have selfish intentions. It is important that you consider your lenders’ position.

Written agreement

Finally, if a contract is not readily available. Consider getting a written agreement on what has been discussed and negotiated. It will be useful when your contract is delivered in front of your doorstep to sign.

Mortgage
4 Things To Consider When Applying for Personal Loans in Singapore

In some instances, when you face major expenses that you may be able to fund like out the impromptu trips, wedding, medical billings, home renovations etc., you probably considered getting a personal loan. In fact, securing that personal loan can be a bit difficult, though it can be smart to tool (with proper planning) to overcome your temporary shortfall in funds. If you are planning to apply, here are some tips to ensure you easily get your personal loan approved.

1. Know your credit history

Having a good credit history will be the biggest factor and solid proof of your repayment and ethics. To ensure you will get a high chance of approved to make sure you obtain a copy of your credit report so that you are up to date on your credit situation, and rectify any errors to avoid the possibility that could wrench your applications process.

2. Accurate Submission and Relevant Documents

Banks and lending companies consistently verifying all your personal information you have provided in your application form during the application process, so make sure you read through the documentation requirements carefully before you submit your application and double check to ensure that all relevant documentation is attached or uploaded with your application form. Accurate documentation will lead to quick disbursal of funds. Failure of submitting any missing documents your loan processing time will stretch and times, your loan application may also get rejected.

3. Avoid Multiple Loan Applications

Keep in mind that every personal loan application generates a credit report from prospect banks and lenders. Applying too many loan applications at all once in order to maximize your chances of being approved is not a good idea. You should be patient. Banks and lenders can check on your credit history report. It can lead to dropping in your credit score and it may affect to lessen your chances of being approved.

4. Compare offers with other credit options

Before you decide a personal loan offer, make sure you that you compare the market and you choose the best suitable features of interest rates and flexible paying terms. So that the loan it can’t be a burden to your cash flow.

Loan
The Best Way to Manage a Credit Card Debt

Credit card debt can be one of the most draining and stressful things a cardholder may have to deal with especially during times where earning enough is a great challenge.

Credit card debt is will not be a problem as long as the cardholder knows how to plan and manage the debt they are trying to deal with.

But cases, where the debt becomes out of hand, here, are a few pointers to know when trying to get back on track on the amount you owe.

Identify your debt

Consolidating all your cards and knowing how much you owe is the beginning of getting back on track. Knowing your total debt will allow you to have an idea on how you will pay off the debt you have with the credit card issuer. Identify how much you owe in total and how much you pay monthly.

Identify your existing resource

Knowing the amount of money you have and the amount of money that will be left is crucial for you to close the loan. If you have enough money that can pay off the entire debt, it would be best to use it and start over. This is more advantageous if you have an existing source of income that pays out regularly. It is better to start all over again than keeping your money while it is being slowly drained by debt and interests that come with it.

Identify your expenses

Knowing your monthly expenses allows you to make adjustments to your financial resources, in which case, your money. If you are spending way too much for unnecessary expenses like buying coffee four times a day, you may want to cut it down to two. If you are smoking one pack a day, you may want to completely cut it down to a few sticks (or even get it off completely). These unnecessary expenses can be adjusted to form part of your funds to pay off the loan.

Identify your budget

Finally, after taking the first three steps above, you should be able to set a budget that can pay off the debt. Be sure to always try and achieve to pay more than the minimum amount due and paying off the card that yields the highest interest rate.

Taking time to evaluate your status will help you create an effective plan. Sticking to the plan will surely bring you to the results that you want to accomplish.

Credit Card
Better Ways to Manage Your Mortgage Loans

This 2016, getting a loan for low income in Singapore can be a good strategic move. Banks and fast cash loan and mortgage providers are now on their toes when it comes to introducing new competitive programs. Before applying for a mortgage loan, you need to create a stable plan.

A mortgage can take more than 10 years to pay off, depending on the agreement. Proper loan management is necessary. These mortgage management steps can give you new ideas.

Stay Ahead of the Real Estate Market

The real estate market is one of the guides that can help you manage your mortgage. Through various online resources such as personal loan provider, analyzing the real estate market has been easier than before. Read as many data sources as you can and make your own comparative analysis. Try your best to predict the value of the homes that you like. If possible, you can work with a trusted real estate advisor. Pro tip: find low cost housing in cebu ready for occupancy and reinvest it later on.

Think About the Penalties

Mortgage penalties can be stiff, even if the legal moneylenders has offered you balanced amounts. There are numerous factors affecting these penalties. Negotiating with your lender is a viable strategy to do. Once you’ve negotiated a lower rate with your lender, make sure that you analyze the fast cash loan real quick. This will give you a large framework of the total amount that you have to pay after the term. As a better alternative, you can look for flexible types of mortgage programs.

Pay in Advance

Overpaying is one of the simple strategies that you can do to manage your loan. Simply put, you just need to pay the loan in advance. Not all lenders will be open for this, so you have to prepare. In different angles, overpaying hurts the lender more because they can’t ‘squeeze’ more profits from you. Do your best to find a more flexible lender or mortgage provider. Do you now have a mortgage management system in place? Consider setting up one today and make your life easy.

How Can Payday Loans Benefit You?

Despite the negative light surrounding payday loans, they’re still attractive to thousands of borrowers. The first reason is the easy and straightforward application process. Once you’ve already chosen a payday lender, you can be approved in just minutes. Another reason is the simple character check process. There are no credit checks as long as you have the means to repay the loan. These reasons are enough attracted large numbers of borrowers.

While it’s relatively easy to get a payday loan nowadays, you still need to manage it properly. Payday loan mismanagement can lead to huge penalties and some additional fees. Remember that a payday loan is a responsibility – you must own it well!

Loan, Mortgage