The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

12 Independent & Free Press,Thursday, December 22, 2011 Friday, Dec. 23 Acton Legion euchre: is NOT taking a hiatus over Christmas. It continues every Friday night, 7:15-9:45 p.m. at the Acton Legion, 15 Wright Ave. All welcome. Admission $2. Georgetown Legion euchre: is taking a Christmas Break, Dec. 23 & 30, and will return on Jan. 6 Saturday, Dec. 24 Christmas miracle: St. Andrew's United Church, 89 Mountainview Rd. invites you to join in Celebrating the Miracle of Christmas. At 7 p.m. a Family Christmas Eve Service will be an informal and upbeat service with lots of music, specially designed for families. Nativity Drama, "The Innkeepers Story." Refreshments to follow. Then at 9 p.m. come for the Christmas Eve Traditional Service-- choir singing, readings, carols, candlelight and communion for those who like a more reflective and meditative experience. St. Andrew's is fully accessible. Info: 905-877-4482 or www.standrewsuc.ca Christmas Eve Carols, and Lesson Service: 7 p.m. at Boston Presbyterian Church, Third Line, north of Five Sideroad. Family service and Candlelight Carol Service: Mom, Dad, why do we celebrate Christmas? Community Calendar Your family is invited to share in the interactive, engaging songs and story of the first Christmas. All ages are welcome at the Family Service at 4:30 p.m. at Nassagaweya Presbyterian Church, 3097 15 Sideroad just east of Guelph Line. This is followed at 7:30 p.m. by a Candlelight Carol Service. Info: www. nassagaweya.com or 905-8786151 or 905-876-3322. Christmas Eve services in Acton: St. Alban's Anglican Church in Acton holds three services: at 5 p.m. a children's service , at 7 p.m., a service with communion and carols and at 11 p.m., a candlelight service with communion and carols. Everyone is invited. Christmas Eve in the Sta- ble: hosted by Ballinafad United Church beginning at 6:30 p.m. at Good News Farm, 4917 Eighth Line, Erin, just north of Erin/Halton Townline. Watch for signs. Come enjoy the music and celebrate the true meaning of Christmas. Visit with the animals. A portion of the donations will be given to local food banks. Info: 905-873-4918. Christmas Eve Candlelight Service: 7 p.m. at St. John's Anglican Church, Stewarttown (corner of Trafalgar Road and 15 Sideroad) will host a Sung Holy Eucharist Service on Christmas Eve. Everyone is welcome. Info: 905-873-0235. More CALENDAR, pg. 14 AIR, HEATING & FIREPLACE Marketplace Movers' & Shakers' 905.703.7609 FOR ALL YOUR RESIDENTIAL HVAC NEEDS. CALL TODAY FOR : · FURNACE SALES · INSTALLATION · HUMIDIFIERS · FURNACE MAINTENANCE · GAS LINES · SERVICE Rates are coming down Call today for the latest Since August, financial markets have been pricing in at least one Bank of Canada http://www.bankofcanada.ca/ en/index.html rate cut, while economists on the other hand, have hung on to their rate hike forecasts. Most analysts still predict that the next Bank of Canada move will be a rate increase in late 2012. Well now it's looking like we're starting to see some of those economists finally let go of those predictions. Some of them are now looking for the overnight rate to make a drop back to 0.25% by early 2012. That would put the prime rate at 2.25% (if the banks pass along the full cut). Others are looking for a half point cut by April or June. Even if they are wrong, the message sounds like interest rates will remain unusually low for a very long time. If they are right, then variable rates could continue outperforming 5-year fixed rates over the next five years - even with the reduced discounts many lenders are offering at the moment. For more information, call or email Peter Motem at 416.786.8395 pmotem@mortgagealliance.com W W W. G E O R G E T O W N H E A T I N G . C A CARPET, HARDWOOD, RUGS, TILE & MORE! Time to Renovate + We're Overstocked = YOU SAVE!! SELECT ORE IO N G A L ! Nobody Beats the Carpet Palace Prices! Your Best Choice For Bin Rentals 6 - 40 cu. yd, sizes available · V Vinyl i l · C Ceramic · Hardwood · Laminate · Engineered · Cork · Bamboo · Carpet · Area Rugs Norval, corner of Winston Churchill/Hwy. 7 Visit our website & save: www.carpetpalace.ca 905-873-7955 CONTRACTING - RENOVATIONS Renovations Specialist 30 years experience Still some availability for 2011 Quality Work o job DISPOSAL CONTAINERS 519-853-3332 905-702-2339 1-877-633-6259 FLOORING 12mm Laminate $ E L A S Only at N - painting - drywall taping, plaster - tile - trim - bathrooms too small Contact Steve Biggs 647-393-9670 .99 128 Guelph Street Georgetown (905) 702-7990 Mention this ad for our Reg. $1.99 HOME INSPECTIONS BRENT COOPER, RHI, CEA oahi.com MEMBER Installation Special HOME INSPECTIONS HOME INSPECTOR · Pre-Listing Inspections · New Home Warranty Inspections · Pre-Purchase Inspections Comprehensive, easy to read reports, printed on site with digitial photos Certified Home Inspector Rob Sauve MORTGAGES REGISTERED HOME INSPECTOR CERTIFIED ENERGY ADVISOR Since 1999 PRE-PURCHASE INSPECTIONS PRE-SALE INSPECTIONS WARRANTY INSPECTIONS ENERGY EFFICIENCY EVALUATIONS COMPREHENSIVE ON-SITE REPORTS Felix Fujs Certified Inspector Eco Energy Advisor GUARANTEED INSPECTIONS Mention this ad for $25 off 905-876-5981 felix.fujs@housemaster.com brampton.housemaster.com (905) 877-7633 cooper@hbwi.ca 905-873-7724 rob.sauve@pillartopost.com www.pillartopost-haltonhills.com REAL ESTATE ... INTEREST FREE LOAN to Help with Home Improvement Repairs When You are Listing with Us! ... FREE Professional Staging and Virtual Tours! ... Cormpilas Team's Seller/Buyer Guarantee & Benefits REAL ESTATE on orders $500 or more, It's worth the call . . . 905-873-6111 until Dec. 31, 2011 * WINDOWS & DOORS VISIT OUR S H OW R O O M 341 GUELPH ST. UNIT #3 GEORGETOWN 905-877-3629 www.RealEstateGeorgetown.com Angie Cormpilas Broker Don't Just List ... Sell!! *Sales Representatives Helen McLean* Direct Line: 905-691-8934 HomesByHelen@hotmail.com Arlene Lindsay* Direct Line: 905-691-4775 HomesByArlene@hotmail.com w w w. b u y w i s e . c a Your Window & Door Professionals