Courtesy of Lise Paradis-Noel

Love where you live

Cel l : 705 .790.6720 Lise Paradis Noel BROKER, BA, CSP, ABR, SRS, SRES Off ice: 905 .727.3154 l ise paradisnoel@me.com www.LiseParadisNoel .com

14799 YONGE STREET, UNIT#6, AURORA ON, L4G 1N1

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.

TAKING STEPS

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.

Copyright © 2014 puzzles-to-print.com.

Find more: Easy Sudoku Puzzles

Courtesy of www.puzzles-to-print.com

SOLUTION

EASY SUDOKU #3

Toronto December Market Report

$1,627,635 detached DOWN 4.2% year-to-year

$741,584 condo/apartment

UP 1.5% year-to-year

$774,884 condo/townhouse DOWN 12.2% year-to-year

1,510 NEW LISTINGS 1,162 SOLD LISTINGS

AVERAGE SALE PRICES

detached 359

89 condo/town.

50.1% SALES TO NEW LISTING RATIO

28 DAYS ON MARKET

2.0 MONTHS OF INVENTORY

ACTIVE LISTINGS (residential inventory) 3,594

compared to 166,600 new listings in 2021. Seasonally adjusted monthly data for sales and price data show a marked flattening of the sales and price trends since the late summer. “While home sales and prices dominated the headlines in 2022, the supply of new listings continued to be an issue as well. The number of homes listed for sale in 2022 was down in comparison to 2021. This helps explain why selling prices have found some support in recent months. Lack of supply has also impacted the rental market. As renting has become more popular in this higher interest rate environment, tighter rental market conditions have translated into double-digit average rent increases,” said TRREB Chief Market Analyst Jason Mercer. The average selling price for 2022 was $1,189,850 3 up 8.6 percent compared to $1,095,333 in 2021. This growth was based on a strong start to the year, in terms of year-over-year price growth. The pace of growth moderated from the spring of 2022 onwards. Statistics reflect market activity in Dec. 2022 | Source: TRREB ® Toronto Regional Real Estate Board | Market values stated are average prices. 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.

GTA REALTORS ® Release, January 2023 – The Greater Toronto Area (GTA) housing market experienced a marked adjustment in 2022 compared to record levels in 2021. Existing affordability issues brought about by a lack of housing supply were exacerbated by sustained interest rate hikes by the Bank of Canada. “Following a very strong start to the year, home sales trended lower in the spring and summer of 2022, as aggressive Bank of Canada interest rate hikes further hampered housing affordability. With no relief from the Office of Superintendent of Financial Institutions (OSFI) mortgage stress test or other mortgage lending guidelines including amortization periods, home selling prices adjusted downward to mitigate the impact of higher mortgage rates. However, home prices started levelling off in the late summer, suggesting the aggressive early market adjustment may be coming to an end,” said new Toronto Regional Real Estate Board (TRREB) President Paul Baron. There were 75,140 sales reported through TRREB9s MLS® System in 2022 3 down 38.2 percent compared to the 2021 record of 121,639. The number of new listings amounted to 152,873 3 down 8.2 percent

Love where you live

Cel l : 705 .790.6720 Lise Paradis Noel BROKER, BA, CSP, ABR, SRS, SRES Off ice: 905 .727.3154 l ise paradisnoel@me.com www.LiseParadisNoel .com

Give me a cal l for a FREE home market evaluat ion!

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.

DEAR CLIENTS,

We all know buying or selling a home, whether it be a condominium, house, duplex or farm is one of the largest transactions you’ll make in your lifetime. To remind you that I’m only ever a phone call or email away, I’ve opted to include you on my privileged clients’ list and will be sending you a mini-magazine every couple of months. I hope you find the information inside useful in your life and home. Feel free to share the magazine, articles and recipes with your friends and family and let them know if they need any help with their next real estate transaction, my contact information is front and center on the front page. I’m never too busy to chat about real estate.

I hope to hear from you from time to time, and see you out and about.

P.S. If you would like to receive an electronic version of this mini magazine instead of this printed copy, please let me know.

Take care, Lise Paradis-Noel REALTOR ® BROKER

Love where you live

Cel l : 705 .790.6720 Lise Paradis Noel BROKER, BA, CSP, ABR, SRS, SRES Off ice: 905 .727.3154 l ise paradisnoel@me.com www.LiseParadisNoel .com

Give me a cal l for a FREE home market evaluat ion!