The Biggar Independent Volume 116 Issue 19

Page 1


This past week, 33 occurrences were handled by the detachment.

Eleven drivers were spoken to about traffic

The regular meeting of the RM of Biggar No. 347 was held March 18 at the municipal office at 9 a.m. Attending were Reeve Jeanne-Marie de Moissac, Councillors Brad Poletz, Melanie Peiffer, Dale Thomson, Mark Sagon, Greg Mundt, and Brian Watson,

Biggar RCMP Report

safety, along with a few reports of a hitchhiker from Ontario, that was drifting through the area and was reporting sleeping in the ditch before continuing south on Highway 4. There was a minor fender bender reported near the post office, when a passing car was side swiped by another leaving their parallel parking spot. A report of a fence on

fire in the 100 block of Fifth Avenue West - our volunteer fire fighters were able to extinguish it without further issue. And off the shores of the RM of Eagle Creek in the North Saskatchewan River, a more unique situation of an island reported being on fire, and was being monitored by fire personnel. Report of fraudsters calling to get gift cards for false promises.

An assault was reported in the RM of Perdue, which lead to the arrest of a 37-year-old male. He later decided not to abide by his court conditions leading to further charges, all to be heard in Biggar Provincial Court on May 7. Also in the RM of Perdue was a targeted incident of mischief to a vehicle tires. Take care out there!

Along comes April and just like that our call volume for the year doubled. We now sit at 20 calls.

During the month we were dispatched to one STARS call, had one Investigation Request, one MVC, one structure fire, three grass fires and unfortunately three False Alarms.

With May already here, our country neighbours will be getting hard at work out in the fields. Please remember it is always a good idea to have water or even a disk or cultivator near by just in case a field fire starts. If you are planning on burning anything, such as brush piles or grass areas or anything else for that matter, please remember to call the Controlled Burn Reporting line at 1-866-404-4911. Calling in advance of your controlled burn could

RM of Biggar council minute highlights

Administrator Sandi Silvernagle and Foreman Darren Comstock. The following are some highlights of the meeting. Council agreed that the meeting be suspended to open a Public Hearing on the proposed Discretionary Use Development

ApplicationsSubdivision for SW 04-35-13 W3 submitted by Shelley Silvernagle and for NW 03-35-13 W3, also submitted by Shelley Silvernagle.

Council agreed that the February 2025 Bank Reconciliation and March 2025 Financial Statement

be received and filed as presented.

Council agreed that payments for cheques, online payments, online utility payments, Mastercard, monthly remittances and February payroll in the amount of $119,237.61, be approved.

Division 1 to 6

Biggar Fire Report

prevent you getting a bill for the fire if a passerby calls regarding the smoke.

Practises at the start of the month included theory and safety procedures for grass fires as well as equipment preparations and review of working with our Master Stream nozzles. We then switched over to both theory and practical training on responses for MVC’s.

On May 8 we will be participating in the P.A.R.T.Y. program, creating a close to real life demonstration of the results of drinking and driving for the Grade 10 students. Between Fire, EMS, RCMP and the participating nursing students acting as the “victims,” it is quite a scene and hopefully we help to convince the students to make good choices in their lives. All that and it is an awesome training opportunity for all involved.

Councillors presented their March 2025 reports, as did Reeve de Moissac’s March 2025 report, Foreman Comstock’s March 2025 report, and Administrator Silvernagle’s March 2025 report, and were accepted as presented.

Council agreed that the following correspondence be accepted for Council’s information and filed: Biggar School of Dance - Thank You; Ministry of Highways - Follow up from January Meeting; Town of Biggar - Discretionary Use Application; Town of Biggar - Community Builders Workshop; Evolution TrainingInformation Package.

Council agreed to hereby approve the hiring of James Rodh at Level 5, Megan Beel at Level 3, and Lara McCarty at Level 4 as per 2025 salary grid, as equipment operators with a tentative

start date of April.

Council agreed that they approve sponsoring the Biggar Rec Valley Red, White, and Gold event Platinum package for $700.

Council agreed that they approve the contribution of $500 to Agriculture in the Classroom.

Council agreed to hereby approve the purchase of 50 culvert markers at $24.80 each plus applicable taxes.

Council agreed to approve selling Lots 15 and 16 in Springwater to Brad Chanin for $400.

Council agreed to approve the new contract agreement with Foreman Darren Comstock from April 1 to October 31, 2025.

Council agreed to approve Bylaw 1-2025, being a bylaw Respecting Buildings, for third and final reading.

• Meeting adjourned at 2:30 p.m.

Sgt. Dereck Crozier, Biggar Detachment
Garçon ... a spot of tea, if you will ... St. Gabriel School’s Paige Moody, left, and Hani Briones, strike a pose, taking a bit of time from their serving duties at the annual Prairie Branches Mother’s Day Tea. the Grade 9’s were pretty helpful on a day where area mother’s celebrated a little bit early, all helping Prairie Branches raise some program funding. (Independent
Photo by Kevin Brautigam)
Kicking the tires on their learning years ... Biggar Central School 2000 Principal, Sean Lockwood, left, helps a potential new Kindergarten student, April 30, while Vice-Principal Natalie Chupik, right, helps another. Parents and students could come in, meet the teacher and staff, and see what all the Green and Gold has to offer. St. Gabriel School had their Kindergarten registration this past Wednesday. (Independent Photo by Kevin Brautigam)
The Liberals torched their own agenda just to cling to power

With the general election safely in the rear-view mirror, here are some observations.

The Liberal will to power

To me, the most surreal moment came during Mark Carney’s speech on the night he won the Liberal leadership. Raucous cheers ensued when he declared the abolition of the consumer carbon tax and the retreat from the increase in capital gains inclusion rates. If you knew nothing about Canadian politics, you’d think this jubilation was in response to the assertion of longcherished Liberal policies and principles.

But, of course, it was nothing of the sort.

In fact, the policies being jettisoned were Liberal in origin and had been hitherto fiercely defended. If you criticized the carbon tax, you were labelled a climate change “denier.” And if you were opposed to the capital gains changes, you were indifferent to increased inequality, the spread of child poverty and various other social ills.

This ability to shamelessly execute

by

Canadian

Democracy is often defined as government of the people, by the people, and for the people. It’s the kind of country most of us want to live in.

For decades, the United States stood as a shining example, offering political freedom and an open market economy that produced the greatest goods and services of any nation and delivered a standard of living envied around the world.

As Canada’s closest ally and largest trading partner, the health of U.S. democracy and its economy has profound implications for Canadians, from border security and trade agreements to global stability and the example it sets for governance. Today, however, the U.S. appears to have drifted far from that

dramatic policy flips is indicative of the Liberals’ intense passion for power. And however cynical it may be, it’s one of the keys to their status as Canada’s “natural governing party.”

Thus we have Mark Carney presenting as someone who “just got here,” a tactic designed to disassociate himself from the previous Liberal government. It was immaterial that he was an adviser to that same government, has stocked his team with its alumni and was an early advocate of carbon taxes. Instead of the enthusiastic netzero hawk, he ran as the sober, economicssavvy technocrat whose banking and private sector experience is tailor-made for the current trade-war turbulence. Does this mean that Carney has abandoned the ideological agenda of his unpopular Liberal predecessor? Not necessarily - and probably not at all. Still, it worked politically. Will to power isn’t something to be sneezed at. Conservative blues There’s no sugarcoating the fact that it’s been a deeply

democratic ideal. One must ask whether it still functions as government of and by the people. Electoral districts have been gerrymanderedmanipulated to favour certain parties - into safe seats for nearly all incumbents. Meanwhile, an unexplainable electoral college system can override the popular vote in presidential elections, allowing a candidate to take office without majority support. Democratic countries are grounded in the rule of law, with power distributed among three branches: executive, legislative and judicial. These were designed to check and balance one another, preventing the rise of autocracy. But that system is eroding at the federal level in the U.S. Today, the executive branch, embodied by the president, increasingly

disappointing election for the Conservatives. After being the “inevitable” governmentin-waiting just four months ago, the combination of Justin Trudeau’s departure and Donald Trump’s trade war totally upended the electoral landscape. And to add insult to injury, their leader, Pierre Poilievre, lost his seat. That said, not everything is doom and gloom.

Compared to the actual results from the previous (2021) election, the Conservatives gained 25 seats. Or if you prefer adjusting the 2021 results to reflect the new electoral boundaries, the seat gain comes to 18. Either way, the direction is nontrivially positive. The popular vote share of 41.4 per cent is similarly impressive. Looking over the past 60 years, the Conservative median vote was in the 35 to 36 per cent range. You might call that their natural base. Only Brian Mulroney’s fragile coalition ever brought them north of 40 per cent.

And as Poilievre has been criticized for simply playing to the base, it’s fair to ask whether 41 per cent or thereabouts is the

overrides the other two.

Congress has been sidelined by declarations of emergency powers, which were intended only for existential threats.

U.S. President Donald Trump declared that the two per cent of fentanyl coming into the U.S. from Canada and some illegal migration constituted such an emergency, justifying his assumption of legislative powers such as imposing tariffs. Meanwhile, a series of judicial appointments based on politics has eroded public confidence in impartial rulings. With these institutional checks weakened, U.S. policy has become whatever comes out of the president’s mouth. It is unpredictable and can change daily, often appearing to reflect the views of those who last spoke to him, typically individuals who supported his political or

party’s new base. If it is, the Conservative future is potentially promising. Mind you, Poilievre might not be around to personally reap the rewards.

The NDP debacle It was the worst of times for the NDP. Their support collapsed, dropping to its lowest ever level in terms of vote share, and they lost official party status. In the process, they shed over 70 per cent of their caucus and were wiped out in voter-rich Ontario. Some of this misfortune may be attributed to their propping up the Trudeau government, thus tending to blur the difference between the two parties. So when Trump’s trade war hit, it was easy for NDP

business interests.

One might possibly justify all this if it advanced Trump’s stated goals of overcoming rivals such as China and making America great again. However, both at home and abroad, the result has been greater instability and uncertainty. The CIA’s own World Factbook, which reflects an American perspective, reports that China has outpaced the U.S. in real output for over a decade. In 2023, China produced $31,230,000,000,000 while the U.S. produced $24,977,000,000,000.

On the domestic front, the latest data show the U.S. economy is in decline. This is not surprising. Business leaders and economists have long warned that uncertainty, tariffs and trade barriers would be harmful. Many hoped that these policies would be reversed once

INDEPENDENT

voters to flee to Carney’s perceived safe pair of hands.

To the extent that’s true, there’s a historical echo. Between 1972 and 1974, the NDP supported Pierre Trudeau’s Liberal minority in return for various policy concessions. Then the Liberals pulled the plug, winning a majority in the ensuing election while the NDP lost almost half of their seats. It was that will to power again!

This underlines the dilemma confronting parties like the NDP. Do they want to ruthlessly compete for power? Or are they content with shaping public debate, gradually making onceradical ideas seem mainstream and pushing the boundaries of what

Americans began feeling the damage.

But these tremors don’t stop at the U.S. border.

Canada’s economy is closely tied to the U.S., and escalating protectionism and market volatility hurt Canadian exporters, particularly in agriculture, manufacturing and energy.

Trump’s reaction to being told that the current situation is hurting American citizens was not what one would expect from the leader of a democratic country operating for the people. Instead of offering to make things better, he said that Americans have it too soft, implying that he sees it as a good thing if their standard of living falls.

The example he gave is telling. “A child does not need 30 dolls. She can have two and it does not matter if the dolls cost

society sees as politically acceptable? It’s a very real - and honourable - trade-off choice.

The pollsters In a post-election interview, poll aggregator Philippe J. Fournier was generally satisfied with his model’s performance. And if you take margins of error into account, he was justified in doing so. Nonetheless, his final projection had the Liberals at 186 seats and the Conservatives at 124. The respective actuals were 169 and 144. And he significantly underestimated the Conservatives in Ontario while overestimating the Liberals in Alberta. Vindication is sometimes in the eye of the beholder.

more.” This statement shows beyond a doubt that the president is not of the people. His image of American children fits those of the rich minority, not of the majority who will never have 30 dolls nor of the significant number who often go without breakfast and for whom a downturn could put their lunch at risk.

A government cannot claim to be for the people when it imposes policies that make citizens’ lives worse without any external necessity. Nor can it claim to represent them when its leadership is so clearly disconnected from their everyday reality.

As Canadians, we may take pride in our own democratic institutions, but we are not immune to the consequences when democracy falters just next door.

The Orange Elephant in the room Community Prayer Evening

seen industry migrating out of the country over the years seeking production in lower cost countries, but that reality is because big business sought better profits over American jobs.

When it comes to world trade - including agricultural commodities - there are always going to be disruptions.

Countries will have things pop up which are divisive and that too often spills over into trade barriers being created on both sides to bring about an end to the larger dispute, in favour of one country of course. In the middle of it farmers suffer.

But it has been a long time since such a large part of the world has been targeted by ridiculous tariffs by a single country, which is of course what is happening as U.S. president Donald Trump meddles in the natural flow of trade for what appears one reason only: a mirage seen only by Trump that it somehow is a positive for the U.S. Certainly, the U.S. has

And of course there are things manufactured, built, created in other countries American consumers desire, and tariffs only push up prices on such things.

That said, don’t expect Trump to change. He sees the reflection in the mirror as ‘the smartest man in the room’ and reality isn’t likely to change his skewed selfimage.

So the rest of the world has to increasingly think of trade minus the U.S. as the significant partner it has been.

What have been minor alliances need to be reviewed and strengthened.

For Canada does that mean looking at unusual things such as inclusion in the European Union? As outside-the-box as that seems, it also can’t be overlooked as a discussion point at least.

The need for stronger non-American alliances is not being lost of other countries either.

A recent producer.com noted that Wang Di,

China’s ambassador to Canada “wants the two countries to join forces to push back against American “bullying.”

Certainly of late the trade relationship between China and Canada has not been smooth but the Ambassador has suggested tariffs can be dropped as quickly as they were applied.

“China’s countermeasures are not permanent. They can be adjusted in light with the adjustment and changes of the Canadian policies,” he said in an interview with the Canadian Press, according to a transcript published on the embassy’s website, detailed the article.

That would seem to open the door to negotiations to smooth the ongoing trade dispute, and one hopes re-minted Prime Minister Mark Carney walks through to get a deal done.

The U.S. of course is a huge market, but with Trump entrenched in the White House it is a quagmire of uncertainly in terms of trade, so the world needs to respond and that has to be a huge focus for Carney with renewed trade ties to China a good first step given it’s huge population to serve.

Come join us Thursday May 15, 2025 at 7pm at the Gazebo on 3rd Ave East and Main Street to pray for our community, leaders, businesses and farms

Hosted by New Beginnings Church of Biggar Contact Philip Watson at 250-487-8476

The Saskatchewan Traveller ... The Alberta Ride

into the Ontario region.

After a nice visit in Carstairs we get back out on the road and head north on the 2A highway to the community of Didsbury.

Travelling up this road has a nice, picturesque look at the countryside and the roads are in pretty good shape.

Didsbury dates to the first settlers who were German Mennonites who came from Pennsylvania following the American Revolution and emigrated

The land around Didsbury was granted by Sir John A McDonald in 1894 and the settlers came in and set up farmsteads.

In the late 1800’s the railroad came into the community which a significant rise in town development, the town was incorporated in 1905.

There were a couple of fires in the early years which nearly destroyed the early downtown of the community. But by council decree, after these fires, a new bylaw stated that new construction of building would have to be made of brick, which some of these building still remain.

The main economy of Didsbury is agriculture, but their is a reliance on some oil and gas business.

Didsbury is a fullservice community with a population of around 5,000 people and has a nice downtown to buy some local trinkets from the area. It is a great little community that has lots to offer a weary traveller.

After Didsbury were turn left on highway 582 were we come to Highway 22. We turn left and head south.

Did you know that Highway 22 is known as the Cowboy Trail? This piece of highway got its name because most of this roadway passes through large sections of ranch land with many stretches known for its Wild West history.

the Prairie landscape on your left side. This is one of the best drives that we have experienced, the weather was perfect, and the scenery was great.

Our next community is the City of Cochrane, with a thriving population of around 32,000 people.

Cochrane was established in 1881, only as a Ranch at the time, but as more settlers came into the area it became a village in 1903.

Cochrane has a reputation of being a Western town with many ranches around the community. The main industries include lumber, construction, retail and agriculture and, of course, ranching.

Cochrane is one of the few communities in Canada that does not have business tax. It is also

a favourite destination for those that do a lot of cycling, because of the steady grades of the roads around Cochrane.

Some of the attractions of Cochrane are the original Cochrane Ranch, which operated in the late 1800’s and was one of the first large scale ranches in Alberta. This ranch offers many insights into the Indigenous history as well as the early Western history.

Another interesting attraction is the is the Yamnuska Wolfdog Sanctuary, which is home to over 40 varieties of wolfdogs of varying wolf content.

What a great place to visit!

Stay tuned next week as we continue our exploration of western Alberta.

This stretch of highway is about 600 kilometres, and if you are travelling south, you have the Rocky Mountains on your right side while enjoying

Cochrane, Alberta
Didsbury Clock Tower, Alberta

The days of Canadian goaltending dominance in the National Hockey League are long gone. The Europeans have taken over the position made glamorous by the likes of Canadian stars Patrick Roy, Martin Brodeur, Ken Dryden, Jacques Plante, Carey Price and Roberto Luongo.

Check out the most recent NHL goaltending stats and you’ll find a preponderance of European stars, a few Americans and then a couple of Canadians in the latter half of the top 10. At the top of the list is the Winnipeg Jets’ American goalie Connor Hellebuyck, who will likely win this year’s Vezina Trophy as the

Create a

Canadian goaltending talent falling behind

league’s best. The Russian, Andrei Vasilevskiy, is generally regarded as No. 2 while Russian Sergei Bobrovsky of the defending Cup champion Florida Panthers, Swede Filip Gustavsson of Minnesota, American Jake Oettinger of Dallas and Russian Ilya Sorokin are scattered among the top 10.

A couple of Canadian netminders show up on this list (Adin Hill of Vegas, Darcy Kuemper of Los Angeles and Logan Thompson of Washington), but none are regarded as gamechangers the way Czech star Dominik Hasek was for the Sabres and Red Wings in the 1990s when he compiled an amazing career save percentage of .922. Hellebuyck at .925 was the only goalie surpassing Hasek’s career record this season.

How dominant are nonCanadian netminders?

Seven of the last eight Vezina winners - MarcAndre Fleury broke the streak in 2021 - have been either American or European. It’s almost

enough to make Glenn Hall throw up. (For you youngsters out there, Hall was a Saskatchewan-born goaltending star for the Chicago Blackhawks in the 1960s who reportedly vomited prior to every game when his nerves got the better of him.)

In the regular season just completed, more than half the games, 52 per cent, featured a European goaltender, according to a report in The Athletic. Canadian goalies played in 26 per cent of the games, while 23 per cent of the games were covered by a U.S.born goalie.

Jon Elkin, who works with Pittsburgh Penguins’ goalies and runs a summer goaltending school in Toronto, told The Athletic the situation isn’t dire. “It’s not the end of the world here,” says Elkin. “It’s not as bleak as I think it’s made out to be.”

“There’s really no focus on goaltending development in minor hockey at all,” said Rob Gherson, a former Washington Capitals’

decked-out

dock with composite decking

If you own a home by the water, you understand that a dock is much more than a base for your boat. It’s a sundeck, a diving platform, a fishing perch and a year-round spot for stargazing and enjoying sunsets.

Choosing the right materials can make all the difference in your dock’s appearance, comfort and longevity. Here are five things to consider:

Water resistance

Docks are constantly exposed to water, UV rays and fluctuating weather conditions. That’s why a material that resists rotting, warping, fading and insect damage is crucial. Marine-grade composite decking is designed to be 100 per cent submersible, making it an ideal choice for salt and freshwater

environments.

Heat mitigation

On sunny days, the surface can become uncomfortably hot underfoot - no matter what material is used. For optimal comfort, look for something made with IR reflective properties engineered to keep cooler than traditional composites even in peak summer heat.

Colour

Whether you want your dock to stand out or blend in seamlessly with the natural surroundings, there’s a composite decking shade for every preference and setting. Compared to wood and PVC, composite decking offers a variety of colour options for incredible design flexibility.

Railing

Enhance stability

and style with a railing. Layer on convenience by installing multifunctional drink railing. This clever design uses a deck board for the top rail, creating a handy surface for holding snacks and beverages while you’re taking in the sunset or welcoming the crew back from a day on the water.

Easy maintenance

To maximize leisure time, opt for durable products that withstand the elements with minimal upkeep. Aluminium and composite are particularly well-suited for water applications. These hassle-free materials won’t splinter or rot and never need to be sanded, stained or refinished - just a simple soap-and-water cleaning is all it takes to keep them looking like new.

draft pick, in The Athletic story. “That’s one area we’ve definitely fallen behind. Other placesSweden, the U.S., Russia - they’ve put money into goaltending, and they’ve put a focus on trying to develop goalies.”

There was grave concern about the goaltending situation among Canadian hockey fans in February when the 4 Nations FaceOff was held. How could we ever stack up against the Americans when they had Hellebuyck in goal and Canada was stuck with Hill, Jordan Binnington or Sam Montembault? Well, we know how that played out. Binnington was absolutely sensational and Canada took the title.

Perhaps, like Elkin said, it’s not as bleak as it’s made out to be.

• Super 70s Sports: “‘And now let’s go over to 15, where it looks like our co-leader is going to have to shape one around a brick. What’s he got, Verne?’ ‘A putter, Jim. They all have putters.’”

• Comedy writer Torben

Rolfsen of Vancouver: “Duke’s Cooper Flagg received the John Wooden award, which fittingly consists of a manila envelope filled with large, unmarked bills.”

• Sportswriter Ray Ratto of San Francisco, in a preKentucky Derby story: “Kids just don’t go to the track anymore, which is a shame because it remains a great place for young people to learn to smoke cigarettes and leave the butts in someone else’s beer.”

• Torben Rolfsen again: “What’s with that harmonica group playing the national anthem in Los Angeles? The Oilers should have countered with the Schmenge Brothers.”

• One more from Rolfsen: “The NFL held its draft in a Green Bay parking lot. Shedeur Sanders got a ticket for staying too long.”

• A little bit of Canadian sports and politics, from the parody website The Beaverton: “Op-Ed: ‘Say what you will about us, at least we never blew a

27-point lead,’ by Auston Matthews.”

• Janice Hough of leftcoastsportsbabe. com: “Two favourites in Kentucky Derby: Journalism vs Sovereignty. Seems a little too on brand for our country right now.”

• RJ Currie of sportsdeke. com: “In just their fifth win of the season against 25 losses, the Colorado Rockies snapped an eight-game losing streak by beating the Braves 2-1. After the win, players had to ask each other how to celebrate.”

• Headline at fark.com: “Bill Belichick’s girlfriend instructs him to deny that she’s too controlling.”

• Steve Simmons of the Toronto Sun, on the Mount Rushmore of coaches from all sports, naming basketball’s Greg Popovich and hockey’s Scotty Bowman: “Bill Belichick would probably be alongside them, so long as he gets permission from his girlfriend to be included.”

• Care to comment? E-mail brucepenton2003@ yahoo.ca

Outdoor living trends in 2025

Many of us today are redefining how we use and enjoy our backyards, blending cutting-edge design with personalized touches.

Here are four trends that are shaping outdoor living this season:

Seamless segues from inside out

Look for the lines between indoors and outside to continue blurring. Innovative ways to create seamless transitions that dissolve the boundaries between indoor comfort and outdoor enjoyment are essential.

Climate-friendly features

As climate resilience becomes a top priority, outdoor areas are being designed to withstand every season and adapt to a wide range of conditions. A solution that offers a balance of comfort, durability, ease

and style is key to keeping these spaces practical and inviting. For example, a recent development in composite decking is heat-mitigating technology, which helps keep surfaces cooler than standard composite boards of a similar colour. Cozy and curated Embrace the charm of smaller, purposefully designed outdoor spaces that cater to specific activities like dining, socializing or unwinding. Level changes, pergolas and privacy screens are clever ways to incorporate definition and architectural interest. Deck railings also play a pivotal role by providing the frame to a backyard masterpiece. Sleek black-on-black railings continue to be a favourite choice for a modern, minimalist aesthetic, while cable railing and glass panels are ideal for optimizing views. Merging comfort with convenience Technology is revolutionizing everything at home, and the backyard is no exception. With smart features designed for both ease and entertainment, today’s outdoor retreats rival the sophistication of any indoor living area. High-tech products like app-controlled lighting, weatherproof audio components and smart security systems enhance comfort and safety, while features like builtin USB ports, wireless charging stations and outdoor Wi-Fi hotspots ensure your backyard stays connected. Once considered indulgences, these additions are now more accessible than ever.

Pros and cons of a home equity line of credit

With the warm weather finally here, maybe you’re considering installing a pool or doing those home renovations you’ve been dreaming about. Perhaps you want to get away and an RV or a cottage are at the top of your wish list.

A home equity line of credit (HELOC) is a quick and easy way to pay for such big expenses. But the long-term risks of HELOCs can outweigh

their up-front benefits if you don’t manage the loan well.

How do HELOCs work?

HELOCs are secured by your home as a guarantee that you’ll pay back the money you borrow. With a HELOC you can borrow money, pay it back and borrow it again up to a maximum credit limit. They use a variable interest rate, which means your payment

amounts will change as the lender’s prime interest rate goes up or down.

Advantages of HELOCs:

• They offer easy access to credit.

• They have lower interest rates than other types of credit, especially unsecured loans and credit cards.

• You can pay back the money you borrow at any time without a penalty.

• You can borrow as much as you want, up to your available credit limit.

Disadvantages of HELOCs:

• It takes discipline to pay off a HELOC because you’re usually only required to pay the monthly interest charges.

• Large amounts of available credit can make it easier to overspend and carry debt for a long time.

• You will have to pay off

your entire HELOC if you sell your home or want to switch your mortgage to another lender.

• The amount you owe on your HELOC reduces the equity in your home.

• Your bank could take possession of your home if you miss payments. Before you take out a HELOC, make sure you consider the risks and have a repayment plan. If your lender is a federally

regulated bank, they must offer and sell you products and services that are appropriate for you, based on your circumstances and financial needs. They must also tell you if they assess that a product or service isn’t appropriate for you. Don’t hesitate to ask questions and make sure you understand the product offered to you.

Bruce Penton Penton on Sports

Business & Professional …

MECHANIC SHOP

St. Gabriel roman CatholiC ChurCh 109 - 7th Ave.W, Biggar Father Edward Gibney Parish Phone: 306-948-3330 Saturday Mass.......7:00p.m. Sunday Mass....... 11:00a.m. our lady of fatima CatholiC ChurCh, Landis Sunday Mass.......9:00a.m.

Presbyterians, Anglicans and Lutherans

St.Pauls Anglican Redeemer Lutheran 205 4th Ave. E 319 7th Ave. E MAY 11 10:30am Regular Worship (REDEEMER) MAY 25 10:30am Regular Worship (REDEEMER)

Rev. Daphne Bender Pastor’s cellular Phone: 1-306-621-9559 Office Phone: 306-948-3731 (Messages are forwarded to Pastor’s phone immediately)

Biggar associated gospel church 312 - 8th Ave.W. and corner of Quebec St., Biggar

Sunday Service 10:30 a.m. All are welcome to come and join us Biggar United ChUrCh REGULAR SERVICES SUNDAY 11:00 am Minister Dale Worrall Inquires Call Church Office 306-948-2280 Leave Message

SEVENTH-DAY ADVENTIST CHURCH SATURDAY SERVICES BIBLE STUDY 10:00a.m. CHURCH SERVICE 11:00a.m. 320 - 6th ave.east contact: 306-951-8445 3 abn www.amazingfacts.org

NEW BEGINNINGS

CHURCH

...In his great mercy he has given us new birth into a living hope...1Pe 1:3 You are Invited Sunday Tea and Coffee -10:15am Worship - 10:30am NEW HORIZONS 117 3rd Ave. W, Biggar For more info - Philip Watson - 250-487-8476

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The Biggar Independent Volume 116 Issue 19 by The Biggar Independent - Issuu