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The Story Behind<br />

How God’s Hand Saved Ste Agathe<br />

Joseph Graham - Main Street, joseph@ballyhoo.ca<br />

Back in 1907, gasoline was a pretty cheap fuel and<br />

was often used for domestic heating. One spring<br />

afternoon, Joseph Saint-Louis found out just how<br />

dangerous it was.<br />

The month of June had started out with a few promising days, a trace of rain on<br />

the first followed by three consecutive days of sunshine. It then became overcast<br />

and a light, cold rain began to fall. The night of the 11th had been cold, and<br />

the 12th was one of those chilly, gusty days that make you want to find a cozy<br />

place to hole up. Saint-Louis decided to keep the gasoline heater going in his<br />

barbershop on Rue Principale in Sainte Agathe. The warmth might draw people<br />

in for a haircut.<br />

There is no record of how many people were in<br />

the shop or whether the heater got knocked over<br />

or just exploded at around 2:00 PM. The wind<br />

had become violent and it may have simply blown<br />

the fire back down the chimney. Within minutes,<br />

the whole building was engulfed in flames, fed by<br />

gasoline that exploded from the stove. It licked its<br />

way out of the building and the wind carried it<br />

south along the street, away from the lake. By the<br />

time the volunteer firemen arrived on the scene, it<br />

was working its way along both sides of the street.<br />

Four buildings had been lost as the fire raged in<br />

view of the new stone church that had not yet<br />

been sanctified.<br />

Around four o’clock, Archbishop Duhamel arrived<br />

with the parish priest from a pastoral visit to Saint<br />

Donat. Seeing the state of affairs, they joined the<br />

women and children in the old wooden church to<br />

lead them in prayer, asking God to intervene. Mayor Bélisle was more practical<br />

and used the telegraph to send an emergency message to Saint Jérôme.<br />

Commandeering the railway, the Saint Jérôme fire brigade set a new record,<br />

making the trip in only 53 minutes, ready to fight the huge blaze. But according<br />

to the record, the priests, women and children praying in the old wooden church<br />

had the problem in hand. The winds stopped the advance of the fire, turning it<br />

around and driving it north towards the lake. Their prayers had been answered.<br />

God had intervened. By the time the Saint Jérôme brigade arrived, all they had<br />

left to do was help finish putting out the fire, which had consumed twenty<br />

houses on its way to the lake. Dr. Edmond Grignon, who recorded the incidents<br />

surrounding this devastating fire, makes no mention of casualties, although there<br />

must have been at least some injuries. The story he recorded is in the Album<br />

Historique de la Paroisse de Sainte Agathe des Monts, the commemorative book<br />

published in 1912 for the parish’s 50th anniversary celebrations. I have found<br />

Common TFSA mistakes: Things you might not<br />

know about Tax-Free Savings Accounts (TFSAs),<br />

but should. Tax-Free Savings Accounts have<br />

become a popular savings vehicle. While millions<br />

of Canadians have opened TFSAs, many are still<br />

making mistakes or missing opportunities that are costing them money.<br />

As a recap, a TFSA is a flexible, general-purpose, savings vehicle that allows you<br />

to make contributions each year and to withdraw funds at any time in the future.<br />

A TFSA provides a powerful incentive for you to save by allowing the investment<br />

growth to accumulate each year and be withdrawn tax-free.<br />

However, unlike a Registered Retirement Savings Plan (RRSP), you cannot claim<br />

a tax deduction for contributions made to your TFSA and withdrawals are added<br />

back to your contribution room for the following year.<br />

Withdrawal or transfer? You can transfer from one TFSA to another, provided<br />

the funds go directly to the new plan without having been paid to you first. If<br />

the money is paid to you first, it will be considered a withdrawal and your TFSA<br />

room for the withdrawal amount will not be reinstated until the next calendar<br />

year. Recontributing to your TFSA in the same year as the withdrawal may result<br />

in an over contribution and you could be subject to a penalty.<br />

Spouse as beneficiary of successor holder? If your spouse (all references to<br />

spouse include common-law partner as defined in the Income Tax Act Canada) is<br />

named as the beneficiary of your TFSA, an amount up to the value of the TFSA<br />

at the time of your death can be contributed to his or her TFSA without affecting<br />

his or her TFSA contribution room if the contribution is made before the end of<br />

the year following the year of death and is designated as an exempt contribution.<br />

However, any income earned between the date of death and the contribution will<br />

be taxable to your spouse.<br />

It’s often recommended that, where permitted, you name your spouse as<br />

successor holder instead of as beneficiary. On your death, your spouse will<br />

automatically become the new holder of the TFSA. The TFSA continues to<br />

exist and both its value at the date of death and any income earned after that<br />

date continue to be sheltered from tax, with your spouse as the new holder. In<br />

addition, naming your spouse as successor holder avoids the administration and<br />

filing requirements necessary to preserve the tax-free status of the TFSA funds<br />

30 July 2013<br />

no other record. His is the official<br />

account. Organized by year rather<br />

than by conventional chapters, his<br />

entry for 1907 allots four pages<br />

to the sanctification of the new<br />

church and one page to the fire,<br />

half of which describes the heroic<br />

role of the archbishop, women and<br />

children. God played a big role in those times and the good doctor could write<br />

of His intervention with complete conviction, never asking why God knocked<br />

over the gasoline heater in the first place. There is a picture of the altar under<br />

the dome of the new church, a building modelled on Notre Dame Cathedral. It<br />

cost the faithful $75,000, an enormous sum of money for the small parish. Sainte<br />

Agathe had been experiencing an economic boom and had this sum been put into<br />

a public hospital it would have provided a state-of-the-art institution that could<br />

have been involved in professional training and stabilized the economy for the<br />

foreseeable future. But who would second-guess such a wise decision? After all,<br />

hadn’t the prayers of the faithful turned the wind<br />

around?<br />

Main Street Money<br />

Ladies’ Investment and Financial Education<br />

Developed by Christopher Collyer, BA, Certified Financial Planner, Investment Advisor, Manulife Securities Inc.<br />

when your spouse is named as beneficiary.<br />

U.S. Citizens with a TFSA: U.S. citizens, even those living in Canada, or other<br />

U.S. persons (e.g. green card holders) are required to report their worldwide<br />

income to the Internal Revenue Service (IRS) each year, including any income<br />

earned in their TFSA as there is no treaty relief for TFSAs. Whether U.S. taxes<br />

will ultimately have to be paid will depend on the particular facts and whether<br />

sufficient foreign tax credits are available. If you are in this situation, speak to a<br />

cross-border tax specialist before investing in a TFSA.<br />

Increase in 2013 TFSA contribution limit: Since TFSAs were made available<br />

in 2009, you have been able to make contributions of up to $5,000 per year.<br />

Beginning in 2013, you will be able to contribute an additional $500 to your<br />

TFSA, raising the annual contribution limit to $5,500. This means you will have<br />

had the opportunity to contribute a total of $25,500.00 including this year.<br />

Speak to your advisor: TFSAs are a powerful savings vehicle whose significance<br />

will only grow over time. To fully maximize the benefits, and avoid the pitfalls,<br />

contact your advisor to understand how they work.<br />

If you would like to discuss this with me, I can be reached at 514-788-4883 or my<br />

cell at 514-949-9058. Have a warm, happy July.<br />

The opinions expressed are those of the author and may not necessarily reflect<br />

those of Manulife Securities Incorporated.<br />

Carrefour Argenteuil<br />

505 Bethany, Lachute • 450.562.3520<br />

Studying history, one is often tempted to imagine<br />

being there. Sometimes, when looking for details<br />

on an aspect of a story, I find the characters have<br />

become so real that I look longingly at the phone,<br />

thinking maybe I should call to double-check my<br />

facts. Of course the characters who could so simply<br />

answer my questions, long dead, may never have<br />

seen a phone or even conceived of one. The world<br />

changes enormously through time and the reference<br />

points we take for granted become irrelevant. Had<br />

I been there then, I would likely have accepted that<br />

God’s intervention was very real. Standing there<br />

after the 1907 fire, I would have believed that the<br />

archbishop’s prayers had induced God to redirect<br />

the wind.<br />

This kind of fire was not a unique incident and<br />

most of us have heard of the most famous ones,<br />

such as the Great Chicago Fire, the Fire of London and the San Francisco<br />

Earthquake Fire, but even Sainte Agathe experienced more than one, and the 1907<br />

fire was not even the worst. On May 25, 1923, fire again struck Rue Principale.<br />

Times and reference points had changed over the fifteen years that separated the<br />

two fires. The War to End All Wars had come and gone and Sainte Agathe was<br />

much less insulated from the world. No trains raced to the rescue from Saint<br />

Jérôme and, if the church was full of petitioners, it was not documented. This<br />

time the fire did much more damage, leaving 80 families homeless and destroying<br />

150 buildings. It could have been much worse. It could have destroyed the whole<br />

town, but no one claimed to have invoked God or prayers to contain it, nor<br />

even to explain it. Had Sainte Agathe come of age during and after the war? Had<br />

people lost faith? Could their prayers have made a difference, or did Dr. Grignon<br />

colour the 1907 story? Even if I could make that call, I would be thought a heretic<br />

for doubting.<br />

References available upon request.<br />

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