Finding your way in should be easy

From 1990 to 1995 we were at Ottawa Citadel…a lovely congregation of about 150, with good music, skilled leadership and a great many teens and pre-teens!  We had a wonderful stay. One of the things that seemed apparent to us when we arrived was the rather odd configuration of having the parking lot on one…

Who holds the debt?

We found a lovely shop with coffee, chocolate, lots of different jams, syrups and homemade items.  I bought a lovely new coffee and when I went to pay, I pulled out my CIBC Visa.  The store clerk commented that that was her bank. “I decided that I would open a US money account – I…