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Edmonton Journal
5 days ago
- Business
- Edmonton Journal
Faulkner: What you need to know before buying a home
Figuring out a price point and budget is the first step in the journey to home ownership, says realtor Dennis Faulkner. A guideline to buying an affordable home is a price that is about four times one's annual salary. Photo by Tierra Mallorca photo/Unsplash / Postmedia Reviews and recommendations are unbiased and products are independently selected. Postmedia may earn an affiliate commission from purchases made through links on this page. You have decided to purchase a home, maybe your first home. You have already been looking online at the available options, and you have some ideas about what you want and where you want to live. Now what? First things first. Talk to a mortgage broker or your bank's mortgage specialist. You want to know how much you can afford and how much your home is going to cost you to live in it every month. This advertisement has not loaded yet, but your article continues below. THIS CONTENT IS RESERVED FOR SUBSCRIBERS ONLY Subscribe now to read the latest news in your city and across Canada. Exclusive articles by David Staples, Keith Gerein and others, Oilers news from Cult of Hockey, Ask EJ Anything features, the Noon News Roundup and Under the Dome newsletters. Unlimited online access to Edmonton Journal and 15 news sites with one account. Edmonton Journal ePaper, an electronic replica of the print edition to view on any device, share and comment on. Daily puzzles, including the New York Times Crossword. Support local journalism. SUBSCRIBE TO UNLOCK MORE ARTICLES Subscribe now to read the latest news in your city and across Canada. Exclusive articles by David Staples, Keith Gerein and others, Oilers news from Cult of Hockey, Ask EJ Anything features, the Noon News Roundup and Under the Dome newsletters. Unlimited online access to Edmonton Journal and 15 news sites with one account. Edmonton Journal ePaper, an electronic replica of the print edition to view on any device, share and comment on. Daily puzzles, including the New York Times Crossword. Support local journalism. REGISTER / SIGN IN TO UNLOCK MORE ARTICLES Create an account or sign in to continue with your reading experience. Access articles from across Canada with one account. Share your thoughts and join the conversation in the comments. Enjoy additional articles per month. Get email updates from your favourite authors. THIS ARTICLE IS FREE TO READ REGISTER TO UNLOCK. Create an account or sign in to continue with your reading experience. Access articles from across Canada with one account Share your thoughts and join the conversation in the comments Enjoy additional articles per month Get email updates from your favourite authors Your mortgage broker will tell you how much of a mortgage you can qualify for, given your income and your current monthly debt obligations. As a rule of thumb, a buyer could afford about four times their yearly income. That can be less if you have higher debt servicing with car loans, credit card debt, student loans, etc. Your mortgage payment will likely be around $525 for every $100,000 you are financing or $50 to $55 for every $10,000 you are financing. Your mortgage broker will also check your credit score to ensure you can qualify for a mortgage. If you haven't already, you should set up a registered Free Home Savings Account if you qualify as a first-time home buyer and haven't lived in a home you owned in the last five years. You can contribute as much as $8,000/year up to a maximum of $40,000 for your down payment. These contributions can be used as a tax deduction against your next year's income, which could mean as much as or more than a $2,400 refund or $2,400 less tax you have to pay. Get the latest headlines, breaking news and columns. By signing up you consent to receive the above newsletter from Postmedia Network Inc. Please try again This advertisement has not loaded yet, but your article continues below. I also suggest meeting with a realtor to discuss your planned purchase. They can help you calculate the total cost of living in the home you wish to purchase, which will include taxes, insurance, utilities, maintenance, upkeep, etc. In my opinion, it is best to keep your 'all in' housing costs below 40 per cent of your gross income. That would include maintenance. A rough maintenance estimate is about one per cent of the value of your home, which you should save yearly to cover future maintenance. This amount varies depending on what you purchase. Closing costs must also be considered when purchasing a home. Lawyer costs and the costs to register your mortgage can easily add up to $2,000 or more. An inspection can easily run up to $600 or more, depending on what you are buying and what you want to inspect. If it is an older home, you might want to spend extra to get the sewer scoped. This advertisement has not loaded yet, but your article continues below. If you are buying a condo, we recommend that the buyer seek a professional condominium document review, which can cost around $500. Moving costs, storage, overlap in rent, and utility hook-up costs should also be considered. It is wise to have savings or at least access to a line of credit should you need a new furnace, hot water tank or other repairs to protect your home, such as a roof or window replacement. You will want to get a general quote on insurance for your home and find out if you have to pay yearly or if you can arrange a monthly payment. Home insurance will vary depending on what you are buying and what kind of insurance you plan to get. It can easily cost $2,000 per year or more. Your realtor at the initial meeting can recommend options and discuss the advantages and disadvantages of the different homes you may be considering. We call this initial meeting a discovery meeting. This advertisement has not loaded yet, but your article continues below. We like to meet in person and learn about our clients' wants, needs and plans for their new home. Knowing who will be living in the home and how long they wish to live there is essential for us to advise them on their options and explain why they may choose one home over the other. Having an experienced realtor can be incredibly valuable. An experienced and skilled realtor will have extensive knowledge of the different types of properties you may be considering and can share information you may not have considered that may affect your decision-making. Each different vintage of home will have its advantages and disadvantages. Whether it is an apartment condo from 1990 or older with potentially higher operating costs, as when there is a water escape, provincial regulations require that asbestos testing be done and remediation prior to any repairs. Maybe you are considering a 1990s home, and it still has Poly-B plumbing that may have to be upgraded. This advertisement has not loaded yet, but your article continues below. Realtors can advise on neighbourhoods, zoning and what neighbourhoods are likely to see an increase or decrease in value. If you are new to the region, realtors can help you get oriented to schools, healthcare services, recreation or other community services. They can also advise on any transportation issues or advantages. Your location decision can, in part, be based on this information. Realtors can explain the ownership obligations with respect to the different types of condos and single-family properties, as well as homeowner associations, and any title requirements that can restrict what colour you can paint your fence or front door or the type of fencing an owner can put up. They can explain any title restrictions, such as setbacks and maximum development for garages, fencing, decks and so on. Knowing these things in advance is important before you make your final purchase. This advertisement has not loaded yet, but your article continues below. Your realtor can also provide an overview of the entire process and then walk you through every step, from the initial viewings (dating a property) to the offer and pending process (the engagement), to removing conditions (legally married), to all the next steps required right up to your possession date. Having a guide who can walk alongside you through your entire purchase can help you find your best home and make the purchase process flow smoothly. Dennis Faulkner, B.A. Economics, serves as a realtor at MaxWell Challenge Realty. He can be contacted to answer your real estate questions at Cult of Hockey Local News Edmonton Oilers Opinion Cult of Hockey
Edmonton Journal
6 days ago
- Business
- Edmonton Journal
'Albertans know that they have options': Alberta Tory MPs warn Carney not to ignore threat of separatism
A poll conducted by Leger found that 77 per cent of Conservatives say they understand the province's desire for independence Conservative member of Parliament Shuvaloy Majumdar rises to ask a question in the House of Commons during question period on Parliament Hill in Ottawa on Monday, Sept. 18, 2023. Photo by Sean Kilpatrick / The Canadian Press OTTAWA — With the House of Commons back in full swing, Conservative MPs from Alberta are sounding the alarm on rising separatist tensions in the province, warning Prime Minister Mark Carney to tackle the problem or reckon with a fractured country. Calgary MP Shuvaloy Majumdar blasted Carney on Tuesday for leaving the first ministers' meeting in Saskatoon without giving Alberta a firm commitment on oil and gas pipelines and other energy infrastructure. This advertisement has not loaded yet, but your article continues below. THIS CONTENT IS RESERVED FOR SUBSCRIBERS ONLY Subscribe now to read the latest news in your city and across Canada. Exclusive articles by David Staples, Keith Gerein and others, Oilers news from Cult of Hockey, Ask EJ Anything features, the Noon News Roundup and Under the Dome newsletters. Unlimited online access to Edmonton Journal and 15 news sites with one account. Edmonton Journal ePaper, an electronic replica of the print edition to view on any device, share and comment on. Daily puzzles, including the New York Times Crossword. Support local journalism. SUBSCRIBE TO UNLOCK MORE ARTICLES Subscribe now to read the latest news in your city and across Canada. Exclusive articles by David Staples, Keith Gerein and others, Oilers news from Cult of Hockey, Ask EJ Anything features, the Noon News Roundup and Under the Dome newsletters. Unlimited online access to Edmonton Journal and 15 news sites with one account. Edmonton Journal ePaper, an electronic replica of the print edition to view on any device, share and comment on. Daily puzzles, including the New York Times Crossword. Support local journalism. REGISTER / SIGN IN TO UNLOCK MORE ARTICLES Create an account or sign in to continue with your reading experience. Access articles from across Canada with one account. Share your thoughts and join the conversation in the comments. Enjoy additional articles per month. Get email updates from your favourite authors. THIS ARTICLE IS FREE TO READ REGISTER TO UNLOCK. Create an account or sign in to continue with your reading experience. Access articles from across Canada with one account Share your thoughts and join the conversation in the comments Enjoy additional articles per month Get email updates from your favourite authors 'Yesterday, the prime minister committed to more rhetoric, more lofty words, and no actual (oil and gas) project,' said Majumdar in Tuesday's question period. 'Alberta's heard all this before. We don't need headlines, we need results.' Majumdar told the National Post it's time for Carney to back up his words with actions, after campaigning on an implicit promise to repair the rift between Ottawa and Alberta created by his Liberal predecessor Justin Trudeau. 'This is all about the pressure of resentment that has built up after (Trudeau spent) 10 years attacking the energy industry in Alberta,' said Majumdar. 'The prime minister ran on addressing those issues, lifting things from the Conservative playbook… The solution here is for (him) to deliver what he's promising, lest he risk a constitutional crisis.' Newly elected rural Alberta MP David Bexte said in his maiden speech last week that 'Alberta separatism is no longer a fringe idea.' Get the latest headlines, breaking news and columns. By signing up you consent to receive the above newsletter from Postmedia Network Inc. Please try again This advertisement has not loaded yet, but your article continues below. 'I heard (separatist talk) at the doors more times than I can count, and I'll tell you plainly… Albertans know that they have options,' said Bexte. 'If this House continues to insult, neglect and abuse Alberta… than the future of this country is not guaranteed.' Bexte declined a request to be interviewed for this story. Departing Battle River—Crowfoot MP Damien Kurek sounded the same warning in his farewell speech to Parliament, imploring all members of the House to 'fight for Canada.' 'We face a national unity crisis. It is not something that can be flippantly dismissed by those in other parts of the country that would suggest that Alberta, for example, should simply pay up and shut up,' said Kurek. 'Alberta deserves a fair voice in the federation, just like every province.' Kurek announced shortly after April's election that he would vacate his seat to give Conservative Leader Pierre Poilievre, who lost his own Ottawa-area seat, an opportunity to run in a byelection. This advertisement has not loaded yet, but your article continues below. A recent poll conducted by Leger found that Conservative voters are highly sympathetic to Alberta's grievances, with 77 per cent saying they understand the province's desire for independence. A further 43 per cent of Conservatives said they'd support Alberta becoming independent from Canada. The Conservative party dominated Alberta in April's election, winning 34 of 37 seats and nearly two-thirds of the popular vote. Majumdar said the Conservative caucus remains strongly pro-Canada, despite the shift in public opinion. 'I think we all have the same view… that we want to see a Canada that works for all Canadians,' said Majumdar. Carney, who grew up in Edmonton, has been mum on the threat of a referendum on Alberta's independence, addressing the topic just once since the election, during a visit to Washington, D.C. last month. This advertisement has not loaded yet, but your article continues below. 'Canada is stronger when we work together ,' Carney told reporters. ' As an Albertan, I firmly believe you can always ask, but I know how I would respond.' Carney made a brief stop in Calgary over the weekend, to meet with oil and gas executive, and will be back in Alberta later this month when he hosts the G7 leaders' summit in the Rocky Mountain resort town of Kananaskis. National Post Get more deep-dive National Post political coverage and analysis in your inbox with the Political Hack newsletter, where Ottawa bureau chief Stuart Thomson and political analyst Tasha Kheiriddin get at what's really going on behind the scenes on Parliament Hill every Wednesday and Friday, exclusively for subscribers. Sign up here. Our website is the place for the latest breaking news, exclusive scoops, longreads and provocative commentary. Please bookmark and sign up for our daily newsletter, Posted, here. Cult of Hockey Edmonton Oilers News Politics Cult of Hockey
Edinburgh Reporter
03-06-2025
- Business
- Edinburgh Reporter
Keynote speakers announced for wellbeing summit
Keynote speakers have now been announced for the first Scottish Women's Wellbeing Summit in November. Bringing together two hundred women, a committed and highly engaged mix of leading female professionals, entrepreneurs, business owners, and corporate business leaders, the summit will provide an opportunity to network, collaborate, and inspire, with exhibitor stalls from Scotland's leading wellness and leadership industries, along with networking sessions and workshops to attend. The summit will provide an opportunity for those attending to mentally and physically renew, with a series of immersive experiences, including ice bathing, yoga, and even fire walking. For delegates who chose to stay overnight, they will have access to the hotel's swimming pool, hot tub and sauna. Fittingly described by organiser, Lesley Canis, as 'game changers', with whom she 'cannot wait to get into the room', the speakers include Britain's first female Fighter-Jet Pilot, Dr Jo Salter, Kate Muir, leading Scottish writer, women's health campaigner and documentary maker, and Lee Donald, the seventh Scottish woman ever to summit Mount Everest. The owner and director of Lee Donald Personal Training, she is a multi award winning fitness entrepreneur who has represented Scotland at European and World Championship obstacle course racing. Voted into the BBC's 50 most inspiring women in the world, Dr Jo Salter is a PWC Global Transformational Leadership and Director of People & Organisation, overseeing 240,000 people in 157 territories. Rejected twice by the RAF, as women weren't allowed to fly, she was instrumental in changing the test policies for allowing new recruits into the air force – creating a stronger more modern RAF as the first female lead of an all-male squadron. An inspiration for the recent Top Gun Maverick film Jo was personally invited by Tom Cruise to its UK premiere. Kate Muir's book, How to Have a Magnificent Midlife Crisis was published in 2025, following Everything You Need to Know About the Menopause (But Were Too Afraid to Ask), and Everything You Need to Know About the Pill (But Were Too Afraid to Ask). She is the creator and producer of two documentaries on the menopause including Davina McCall's: Sex, Myths and the Menopause for Channel 4, and the Pill Revolution documentary. She was chief film critic for The Times for seven years, and is the author of three novels. Additionally, Liberal Democrat councillor, Sally Pattle will speak at SWWS. Cllr Pattle represents the Linlithgow Ward on West Lothian Council and is the party's Mental Health spokesperson. Sally was the first Liberal Democrat to be elected at any level in West Lothian for more than thirty years. Away from politics, she owns the Far From The Madding Crowd Bookshop. Sharon Miller, the founder of innovative, holistic team building & training business, Joyworks! which specialises in fully accredited laughter yoga leadership training is also one of the keynote speakers. Lesley said:' I am thrilled beyond words to unveil, what I can only describe, as five truly inspirational women to speak to us at this keynote summit. I am confident that delegates interested in coming along to the summit will agree with me that the achievements and remit of these five women is jaw dropping. There can be seldom opportunities in life to engage with women at this level, all in the one location. They have the ability to take us to another level. 'I'd like to thank all my speakers for taking time out of their incredibly busy schedules to come along,' continued Lesley. 'Lee Donald, particularly, is now in training to summit K2 in 2026, the steepest and hardest mountain in the world. When she reaches the summit, she will the first Scottish woman ever to do it, and one of only three women ever to have submitted K2 and Everest. Having beat a fifteen year eating disorder, as well as depression and alcohol addiction, Lee is now a pioneer for mental health awareness. 'I'm sure she, and my other speakers, will get a rapturous reception. 'I am delighted with how things are going so far with the Summit, with strong numbers on my ticket waitlist. I am taking applications for exhibitors now. We have Biomel UK, a prestigious gut health brand, on board as a sponsor. Fife based Vivimus Water are supplying the water for the event.' Delegates can gain exclusive access to a networking Drinks Reception, and a Leadership Dinner afterwards. Designed to be an empowering experience which might become a regular fixture in influential women's yearly calendars, facilitating and staging the summit is the realisation of Lesley's idea to present an event that combines wellbeing with leadership for women. Jo Salter Kate Muir Lee Donald Cllr Sally Pattle Like this: Like Related
Scotsman
02-06-2025
- Health
- Scotsman
Keynote speakers announced for inaugural Scottish Women's Wellbeing Summit
Lesley Canis, the passionate women's wellbeing advocate behind the inaugural Scottish Women's Wellbeing Summit, set to take place at the Old Course Hotel in St Andrews on 15th November, has released details of the five truly inspiring female speakers, four of whom are Scottish, that she has assembled to inspire and motivate delegates at this one of a kind event. Sign up to our daily newsletter – Regular news stories and round-ups from around Scotland direct to your inbox Sign up Thank you for signing up! Did you know with a Digital Subscription to The Scotsman, you can get unlimited access to the website including our premium content, as well as benefiting from fewer ads, loyalty rewards and much more. Learn More Sorry, there seem to be some issues. Please try again later. Submitting... Bringing together two hundred women, a committed and highly engaged mix of leading female professionals, entrepreneurs, business owners, and corporate business leaders, the summit will provide an opportunity to network, collaborate, and inspire, with exhibitor stalls from Scotland's leading wellness and leadership industries, along with networking sessions and workshops to attend. Additionally, the summit will provide an opportunity for those attending to mentally and physically renew, with a series of immersive experiences, including ice bathing, yoga, and even fire walking. For delegates who chose to stay overnight, they will have access to the hotel's swimming pool, hot tub and sauna. Fittingly described by Lesley as 'game changers, with whom she 'cannot wait to get into the room', the speakers include Britain's first female Fighter-Jet Pilot, Dr Jo Salter, Kate Muir, leading Scottish writer, women's health campaigner and documentary maker, and Lee Donald, the seventh Scottish woman ever to summit Mount Everest. The Owner and Director of Lee Donald Personal Training, she is a multi award winning Fitness Entrepreneur who has represented Scotland at European & World Championship obstacle course racing. Advertisement Hide Ad Advertisement Hide Ad Voted into the BBC's 50 most inspiring women in the world, Dr Jo Salter is a PWC Global Transformational Leadership and Director of People & Organisation, overseeing 240 000 people in 157 territories. Rejected twice by the RAF, as women weren't allowed to fly, she was instrumental in changing the test policies for allowing new recruits into the air force - creating a stronger more modern RAF as the first female lead of an all-male squadron. An inspiration for the recent Top Gun Maverick film Jo was Personally invited by Tom Cruise to its UK premiere. Kate Muir is another of the speakers Kate Muir's book, How to Have a Magnificent Midlife Crisis was published in 2025, following Everything You Need to Know About the Menopause (But Were Too Afraid to Ask), and Everything You Need to Know About the Pill (But Were Too Afraid to Ask). She is the creator and producer of two documentaries on the menopause including Davina McCall's: Sex, Myths and the Menopause for Channel 4, and the Pill Revolution documentary. She was chief film critic for The Times for seven years, and is the author of three novels. Additionally, Councillor Sally Pattle will also take to the stage at SWWS. Representing the Linlithgow Ward on West Lothian Council for the Scottish Liberal Democrats, where she is their Mental Health Spokesperson, Sally was the first Liberal Democrat to be elected at any level in West Lothian for over thirty years. Away from politics, she owns the award winning Far From The Madding Crowd Bookshop. Bringing the number of speakers secured so far to five is Sharon Miller, the founder of innovative, holistic team building & training business, Joyworks!, which specialises in fully accredited laughter yoga leadership training. Advertisement Hide Ad Advertisement Hide Ad Commenting on the speaker selection so far, Lesley Canis said:' I am thrilled beyond words to unveil, what I can only describe, as five truly inspirational women to speak to us at this keynote summit. I am confident that delegates interested in coming along to the summit will agree with me that the achievements and remit of these five women is jaw dropping. There can be seldom opportunities in life to engage with women at this level, all in the one location. They have the ability to take us to another level.' Sally Pattlel is a local Councillor and runs a bookshop 'I'd like to thank all my speakers for taking time out of their incredibly busy schedules to come along,' continued Lesley. 'Lee Donald, particularly, is now in training to summit K2 in 2026, the steepest and hardest mountain in the world. When she reaches the summit, she will the first Scottish woman ever to do it, and one of only three women ever to have submitted K2 and Everest. Having beat a fifteen year eating disorder, as well as depression and alcohol addiction, Lee is now a pioneer for mental health awareness.' 'I'm sure she, and my other speakers, will get a rapturous reception.' Lesley finished by saying that she was 'delighted with how things are going so far with the Summit, with strong numbers on my ticket waitlist. I am taking applications for exhibitors now. We have Biomel UK, a prestigious gut health brand, on board as a sponsor. Fife based Vivimus Water are supplying the water for the event.' Advertisement Hide Ad Advertisement Hide Ad Delegates can gain exclusive access to a networking Drinks Reception, plus a Leadership Dinner afterwards. Lee Donald is an inspirational Personal Trainer Designed to be an unforgettable and empowering experience that could well become a regular fixture in influential women's yearly calendars, facilitating and staging the summit is the realisation of Lesley's long-held dream to present an event that combines wellbeing with leadership for women.
Edmonton Journal
29-05-2025
- Edmonton Journal
One Alberta Hospital escapee arrested, another still at large and considered dangerous: EPS
Coletan Bearhead, 29, is one of two men who escaped custody at Alberta Hospital Edmonton. Edmonton Police Service have issued a warrant for Bearhead. They warn that he is a danger to the public and should not be approached. Photo by Supplied Edmonton police have arrested one of two men who escaped from an Edmonton mental health facility earlier this week, while the second is still at large and considered dangerous. The Edmonton Police Service (EPS) issued warrants for two men who escaped from custody at Alberta Hospital Edmonton and are considered to be unlawfully at large, police said in a news release on Thursday. This advertisement has not loaded yet, but your article continues below. THIS CONTENT IS RESERVED FOR SUBSCRIBERS ONLY Subscribe now to read the latest news in your city and across Canada. Exclusive articles by David Staples, Keith Gerein and others, Oilers news from Cult of Hockey, Ask EJ Anything features, the Noon News Roundup and Under the Dome newsletters. Unlimited online access to Edmonton Journal and 15 news sites with one account. Edmonton Journal ePaper, an electronic replica of the print edition to view on any device, share and comment on. Daily puzzles, including the New York Times Crossword. Support local journalism. SUBSCRIBE TO UNLOCK MORE ARTICLES Subscribe now to read the latest news in your city and across Canada. Exclusive articles by David Staples, Keith Gerein and others, Oilers news from Cult of Hockey, Ask EJ Anything features, the Noon News Roundup and Under the Dome newsletters. Unlimited online access to Edmonton Journal and 15 news sites with one account. Edmonton Journal ePaper, an electronic replica of the print edition to view on any device, share and comment on. Daily puzzles, including the New York Times Crossword. Support local journalism. REGISTER / SIGN IN TO UNLOCK MORE ARTICLES Create an account or sign in to continue with your reading experience. Access articles from across Canada with one account. Share your thoughts and join the conversation in the comments. Enjoy additional articles per month. Get email updates from your favourite authors. THIS ARTICLE IS FREE TO READ REGISTER TO UNLOCK. Create an account or sign in to continue with your reading experience. Access articles from across Canada with one account Share your thoughts and join the conversation in the comments Enjoy additional articles per month Get email updates from your favourite authors Justin Somers, 39, was arrested by Fort Saskatchewan RCMP on Wednesday. In 2011, Somers was charged with the killing of his bunkmate at the Edmonton Remand Centre. He was found not criminally responsible on account of a mental disorder. In 2013, he pleaded guilty to one count of mischief and was sentenced to one day in jail. In 2018, he pleaded guilty to one charge of assault and was given a suspended sentence with probation. Coletan Bearhead, 29, is still unlawfully at large and considered dangerous. He is described as six feet tall, weighing roughly 220 pounds, with black hair, brown eyes, a moustache and pierced ears. He was last seen wearing a red hat and shirt, a black hoodie and black pants. Court records show Bearhead has an extensive legal history, including multiple charges of assault, aggravated assault, and weapons charges. EPS warns that Bearhead is a risk to the public and should not be approached. This advertisement has not loaded yet, but your article continues below. Police are asking anyone with information about Bearhead's whereabouts to call EPS at 780-423-4567. Anonymous information can also be submitted to Crime Stoppers at 1-800-222-8477. Read More Bookmark our website and support our journalism: Don't miss the news you need to know — add and to your bookmarks and sign up for our newsletters. You can also support our journalism by becoming a digital subscriber. Subscribers gain unlimited access to The Edmonton Journal, Edmonton Sun, National Post, and 13 other Canadian news sites. The Edmonton Journal | The Edmonton Sun News Edmonton Oilers Cult of Hockey Crime Cult of Hockey
