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THE DWYER TEAM
B100-509 Commissioners Rd W London, ON N6J 1Y5
Volume 16 | Number 1
TIPS FOR SAVING MONEY WHEN MAKING A MOVE
Moving Day can be a very difficult time, physically and emotionally – but it doesn’t have to be fiscally stressful as well – if you do some research and preparation beforehand. Many moving companies have an online moving calculator that allows you to approximately gauge what the final cost of the move will be. These digital tools will allow you to estimate your cost based on different variables, such as the number of rooms involved, number of boxes, if appliances are to be moved and other criteria. If you have time, check in with several different companies to compare their prices. Reputable firms will provide a quote that should aid you in selecting your mover of choice. By having used the online calculator you should have a basic idea of the costs involved, so if the quotes provided are far different you might need to do some further study – if time permits. One of the costs of moving are the supplies you use to pack up your possessions. Moving experts stress that one way to save money is to avoid buying moving supplies such as cardboard boxes, packing paper, pads and blankets and bubble wrap. If you know someone who has recently moved, consider asking them to save their boxes and any extra moving supplies for you. Also, retail locations are excellent places to acquire boxes when it comes time to pack up your treasured items. Another way to save money on a move is to reduce the amount of material to be moved. The best way to do this is to toss, donate or sell whatever you don’t need before moving.
GNOCCHI WITH SPINACH AND CHICKEN SAUSAGE
Courtesy of www.tasteofhome.com
INGREDIENTS : 1 package (16 ounces) potato gnocchi 2 tablespoons olive oil 1 package (12 ounces) fully cooked Italian chicken sausage links, halved and sliced
1 cup white wine or chicken broth 1 tablespoon cornstarch 1/2 cup reduced-sodium chicken broth 3 cups fresh baby spinach 1/2 cup heavy whipping cream 1/4 cup shredded Parmesan cheese
2 shallots, finely chopped 2 garlic cloves, minced
DIRECTIONS: 1. Cook gnocchi according to package directions. Meanwhile, in a large skillet, heat oil over medium-high heat; cook sausage and shallots until sausage is browned and shallots are tender. Add garlic; cook 1 minute longer. 2. Stir in wine. Bring to a boil; cook until liquid is reduced by half, 3-4 minutes. In a small bowl, mix cornstarch and broth until smooth; stir into sausage mixture. Return to a boil, stirring constantly; cook and stir until thickened, 1-2 minutes. Add spinach and cream; cook and stir until spinach is wilted. 3. Drain gnocchi; add to pan and heat through. Sprinkle with cheese.
" HOPE SMILES FROM THE
England’s Poet Laureate from 1850 until his death in 1892, Alfred Lord Tennyson was one of the most celebrated and popular poets of the 19th Century. Born in 1809 in Somersby, England he published his first volume of poems in 1830 and became one of the favourites of Queen Victoria.
THRESHOLD OF THE YEAR TO COME, WHISPERING, ‘IT WILL BE HAPPIER.’ -Alfred Lord Tennyson
LAWYER’S ROLE IN REAL ESTATE Working with a lawyer can be a real benefit when buying a home. Whether you are the buyer or the seller in a real estate sale, a lawyer is there to ensure all the procedures are handled properly and legally and are delivered on time to complete the transaction. If you’re the buyer in a sale, a real estate lawyer will take care of a variety of tasks, including but not limited to: - Review all legal documents including the Agreement of Purchase. - Ensure there are no liens, encumbrances or other financial issues attached to your prospective property. - Confirm Title Insurance for the property is in place and the property’s taxes are up to date. Finally, they will also see that all legal and financial obligations have been met prior to closing and be involved in exchanging legal documents and keys with the seller’s lawyer.
On the seller’s side of the transaction, a lawyer will perform many of the same tasks and will also deal with any potential title issues. The lawyer will also make certain all the negotiated financial and legal conditions of the sale have been completed and be there for the transfer of documents and keys from the buyer’s lawyer.
TO ENSURE YOUR PERSONAL DIGITAL SECURITY
The modern world and the vast advances made in digital communication, business and banking have revolutionized daily life beyond anything that was imagined even a few short decades ago. But the cost of this electronic convenience is the potential personal security risks, to your person and to your assets, this radical transition has created. To help head off any digital risks here are some steps to take to safeguard your online world. One the most basic yet essential steps everyone should take is to install a quality antivirus program on their devices, and to remember to keep it updated. It ’s surprising how often this procedure can be overlooked.
Another thing you should do is to fully investigate the features of the security tools that you do install on your electronic devices. Many common apps and programs have settings that add extra layers of security, but only if you’re aware of them, and have learned how to use them. Reading manuals, or watching tutorials may not be everyone’s favourite pastime, but taking that step might derail intruders eager to do you digital harm. If uncertain it ’s always easiest to talk with the persons who sold you the programs in the first place, their understanding of the product will no doubt exceed yours and might be able to provide you with security benefits you were not aware of.
BRAIN TEASERS Courtesy of www riddles.com 1. Can you write down eight eights so that they add up to one thousand? 2. What English word retains the same pronunciation, even after you take away four of its five letters?
3. What is it that given one, you’ll have either two or none? 4. George, Helen, and Steve are drinking coffee. Bert, Karen, and Dave are drinking soda. Is Elizabeth drinking coffee or soda? EASY SUDOKU #3
Answers: 1. 888 + 88 + 8 + 8 + 8 = 1000 2. Queue 3. A choice 4. Elizabeth is drinking coffee.
SUDOKU PUZZLE Sudoku is a logic-based brainteaser that has been entertaining users since the late 19th Century. But it was the late 20th Century that saw this entertaining and challenging exercise blossom into the popular phenomena it is today. Here’s an example for you to test your own analytic skills! All rights reserved.
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Find more: Easy Sudoku Puzzles
Courtesy of www.puzzles-to-print.com
EASY SUDOKU #3
QUIET DECEMBER WRAPS UP MODEST YEAR
$566,600 detached DOWN 15.1% year-to-year
74.6% SALES TO NEW LISTINGS RATIO
3.8 MONTHS OF INVENTORY
299 SOLD LISTINGS
401 NEW LISTINGS
London, ON, January 2023 – 299 residential properties exchanged hands last month in the jurisdiction of the London and St. Thomas Association of REALTORS ® (LSTAR), bringing the total number of homes sold through the Association’s Multiple Listing Service ® (MLS ® ) System in 2022 to 7,639. “December’s sales-to-new listings ratio sat at 74.6, which shows that housing demand is still high in our area,” said Randy Pawlowski, 2022 LSTAR President. “With the increased levels of inventory, local Buyers have now more choices and time to shop for new homes. However, the considerable loss of affordability triggered by the
successive interest rate hikes continues to challenge local Buyers. And on the supply side, many homeowners are reluctant to list their properties, given the recent drops in average and HPI benchmark prices,” he noted. The composite MLS ® Home Price Index (HPI) Benchmark Price was $566,600 last month, 15.1% down from last year, but 17.1% higher than in December 2020. Statistics reflect market activity in December 2022 | Source: London and St. Thomas Association of REALTORS® (LSTAR) | Market values stated are of the benchmark of London and St. Thomas. Individual home market values will vary and are affected by factors such as location, size, interior and exterior condition. Please call to get an up-to-date evaluation of your home.
Real Estate Question? Call us for the answer! Office: 226-667-6400 | email@example.com
Privacy Disclosure: We respect your privacy. The sponsor indicated on the front panel provides a complimentary subscription of this publication to you, a valued client. If at any time or for any reason you do not want to receive this publication, please contact the sponsor using any of the contact info on the front panel, and your personal information will be removed from the mailing list immediately. Without response to this cancellation offer, we assume your implied consent and permission to continue provision. Disclaimer: This publication is distributed for the purpose of information only. It is not intended to solicit buyers or sellers currently under contract by a real estate firm or under contract with another Broker or Mortgage Specialist, nor is it intended to cause or induce breach of any existing agreement. Distributed by: dmsmarketing.ca Copyright© 2023 All Rights Reserved / Printed on recyclable material. The trademarks REALTOR ® , REALTORS ® and the REALTOR ® logo are controlled by CREA and identify real estate professionals who are members of CREA.
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