Courtesy of Nav Khela

Nav's Mini Mag

#210-5620 152 St, Surrey, BC V3S 3K2

NAV KHELA REALTOR ® , PREC

604.700.8568 778-387-0367 nav.khela@exprealty.com www.aspirerealestateteam.com

Cell: Office: Email: Website:

MAKING DIFFERENCE IN LIVES...

Volume 17 | Number 01

MAINTAIN A GOOD CREDIT SCORE

A good credit score is paramount to being approved for a low interest rate mortgage. If you're looking to make the best impression on your mortgage lender, take a few months ahead of getting pre-approved to improve your credit score. A credit score of 660 or higher is recommended with 900 being the top score available. You can also consult your lender or a financial advisor for additional tips. The best thing you can do is be diligent about making payments on credit cards, loans, bills, etc. Be sure to always make your payments on time and pay in full whenever possible. If you can't pay the full amount, at least pay the minimum amount owed. Your credit score will benefit with consistent payments over a long period of time. Another thing that you can do to improve your credit score is to be wise about how you use your credit. If you use less than 30% of your available credit (for example spend about $1,500 a month on your credit card with a $6,000 limit) lenders will see you as less of a risk than if you regularly use close to the full $6,000 limit. In the eyes of a lender, it's better to have a higher credit limit and use less of it each month than to have a low credit limit and use it all. A final tip is to limit the number of credit applications or credit checks as lenders may think that you're trying to live beyond your means which makes you a higher risk. Of course, you may need to apply for credit from time to time, but just be wise if you're looking to get a mortgage in the near future.

PULL APART BREAKFAST CINNAMON ROLLS

INGREDIENTS: 18 frozen round rolls 3 oz pkg of cook and serve butterscotch pudding 1/2 cup butter 3/4 cup brown sugar 1 tablespoon cinnamon or to taste

1/4 teaspoon nutmeg 1/2 cup nuts (optional)

DIRECTIONS: 1. In a buttered Bundt pan put 18 frozen rolls. 2. Sprinkle butterscotch pudding over rolls. 3. In a saucepan, cook sugar and butter until sugar is dissolved. Add cinnamon and nutmeg and nuts (if desired) and pour cooked mixture over rolls and pudding. 4. Let set over night or 10 to 12 hours. 5. Bake at 350˚F for 30 minutes. 6. Leave in pan 5 minutes then turn out on plate. 7. Cooked mixture will run down rolls.

Source: www.food-recipes-free-online.com

MY MISSION IN LIFE IS NOT MERELY TO SURVIVE, BUT TO THRIVE. - Maya Angelou

Maya Angelou (1928 to 2014) is probably best known for her writing: seven autobiographies, three books of essays and numerous books of poetry as well as an extensive list of plays, movies and television shows.

IDEAL HUMIDITY LEVEL The air quality in your home is affected by more than just the temperature. The humidity of the air plays into how comfortable you are as well. Ideally, a humidity level between 30 and 50 per cent should be maintained throughout your home. When your home is too humid, you'll find mold and mildew can form as well as slight damage to finishings like wallpaper, furniture, flooring, etc. can occur. If it's not humid enough in your home, you could experience some health issues like dry skin, nosebleeds and dry eyes and throat. If you don't already have humidity control through your heating or cooling system, you can test the humidity in your home with a portable humidistat or hygrometer. They can be purchased online or at your local home improvement store. If your home tends to be too humid, you may want to look into a dehumidifier. Also be sure to use the exhaust fan in the bathroom when showering as well as the stovetop exhaust fan when cooking. When your home leans toward being too dry, obviously a humidifier can help. Also look to fill any cracks or gaps around doors, windows and pipes that can allow humid air to escape.

HOT DESIGN TRENDS FOR 2024

When scouring home decor magazines, blogs and the Internet for design trends for 2024, the buzz words you're going to consistently come across are bold, bright, texture and unique. Gone are the days where white walls and furniture create a sophisticated room. Instead, designers are looking to bold patterns and colours mixed with a neutral palette to create the latest in sophistication. Choose a few of the trending looks to incorporate into your home this year. Starting with paint, the colour of the year is a dark grey/soft black

that pairs really well with other rich hues that are popular this year. Accents or fabrics in gold or aluminum (new or vintage) are a great way to finish off the sophisticated look of any room. If you're not ready for such a drastic change, start with a textured, odd shaped rug in a bold colour. Furthering the odd-shaped theme, choose to hang mirrors in unique shapes with bold frames. Have fun with the trends and make your living spaces warm, conversation inducing and personal this year.

CANADIAN WINTER FACTS Do you find it cold this winter? Enjoying the snow? Here are some interesting records from winters past. • Canada's coldest recorded temperature was back in February 1947, in Snag, YT. A frigid -62.8˚C! • The coldest windchill ever recorded in Canada was -91˚C in January 1989 in Pelly Bay, NT when the ambient air temperature was -51˚C. • In February of 1999, a record amount of 145 cm of snow fell in one day covering the town of Tahtsa Lake, BC. That’s over 4.5 feet of snow in a day!

MATH CHALLENGE

Use the numbers 1 through 16 to complete the equations. Each number is only used once. Each row is a math equation. Each column is a math equation. TIP: Remember that multiplication and division are performed before addition and subtraction.

Courtesy of: www.thinkablepuzzles.com

Solution:

Fraser Valley closes out 2023 with lowest annual sales recorded in 10 years

$537,600 apartment UP 6.9% year-to-year

$1,471,500 detached UP 7.1% year-to-year

4,670 ACTIVE LISTINGS

$826,400 townhouse UP 5.3% year-to-year

BENCHMARK PRICES

apartment 1,061 629 townhouse

detached 1,651

837 SOLD LISTINGS

5.6 MONTHS OF INVENTORY

942 NEW LISTINGS

17.9% SALES TO ACTIVE LISTING RATIO

BC, January 4, 2024 - For the month of December, the Fraser Valley Real Estate Board (FVREB) recorded 837 sales on its MLS ® . At 942, new listings dropped by 54 per cent in December. Total active listings for December stood at 4,670. With a sales-to-active listings ratio of 18 per cent for December, the overall market closed out the year in balance. “2023 saw buyers and sellers adjust to new rate realities, and the impact of those high rates were reflected in the low number of sales in the Fraser Valley,” said FVREB CEO Baldev Gill. “However, as rates start to ease, we expect market activity will pick up. This will create opportunities for buyers and sellers who are advised to consult with a professional REALTOR ® before jumping into the market.”

On average, properties spent approximately 41 days on the market. At $1,471,500, the Benchmark price for an FVREB single family detached home decreased 1.2 per cent compared to November 2023. At $826,400, the Benchmark price for an FVREB townhome decreased 1.3 per cent compared to November 2023. At $537,600, the Benchmark price for an FVREB apartment/ condo decreased 1.4 per cent compared to November 2023. Statistics reflect market activity in December 2023 | Source: FVREB ® Fraser Valley Real Estate Board | Market values stated are of the benchmark of Fraser Valley and surrounding region. 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.

NAV KHELA REALTOR ® , PREC Cell: Office: Email: Website:

604.700.8568 778-387-0367 nav.khela@exprealty.com www.aspirerealestateteam.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© 2024 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. 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© 2024 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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