Courtesy of The Peter Kubiczek Team

Volume 15 | Number 11

THE ETERNAL QUESTION: SHOULD YOU RENT OR BUY? It ’s a question everyone seems to have an

opinion on – should you rent, or should you buy real estate? When you’re a homeowner, the big advantage is that the property is yours. As long as you make your mortgage payments you’re not going to be asked to move. The same of course can’t be said for renters. If the owner of the rental property decides they want to sell it or move in themselves or use the property for some other purpose, you as a tenant have little recourse but to move. In a market where rental vacancy rates are low, simply finding a new place to rent could prove problematic. But there are also advantages to being a renter. With rising home sale prices many, especially young couples just starting out, lack the means to purchase a home. As a renter, parts of your income can be set aside to build a nest egg that in time can be used as a down payment once you are ready to enter the housing market. Other benefits renters have include not having to worry about household maintenance, defective appliances, paying property tax and dealing with structural problems. So, is it better to rent or to buy? It all depends on your personal situation, your long-range plans and your eventual needs. While homeowners will typically be building equity over the years, renters will live minus the commitment home ownership demands. In any philosophic argument there is no one right answer – only what works for the individual involved.

LEFTOVER DELIGHT: TURKEY POTATO CHOWDER

Courtesy of www.aheadofthyme.com

INGREDIENTS : 2 tablespoons butter ½ small onion, diced 1 clove garlic, minced 2 tablespoons all-purpose flour 3 cups chicken stock 1 teaspoon Italian seasoning

3 cups leftover mashed potatoes 2-3 cups cooked turkey 1 cup half and half cream ½ cup corn, frozen salt and pepper (to taste) cheddar cheese (optional topping) parsley, chopped (optional topping)

DIRECTIONS: 1. In a pot, melt butter over medium-high heat, until it bubbles. Add onion and garlic and sauté until tender and starting to brown, about 3-4 minutes. 2. Add flour and mix well until combined. Cook for 1 minute. Pour in stock and Italian seasoning and mix well. Bring the mixture to a simmer, about 3-4 minutes. Add in mashed potatoes, stir until potatoes have broken up. Let the soup simmer for 8-10 minutes until thickened, stirring occasionally. Add turkey and half and half cream. Cook until heated through, about 3-5 minutes. Stir in corn and season with salt and pepper to taste. 3. Ladle into bowls and top with cheese and green onions, if desired.

" IT IS DIFFICULT TO SAY WHAT IS IMPOSSIBLE, FOR THE DREAM OF YESTERDAY IS THE HOPE OF TODAY AND THE REALITY OF TOMORROW. -Robert H. Goddard

Considered by many to be the father of American rocketry, Robert Hutchings Goddard was an engineer, professor, physicist and inventor who is credited with creating and building the world’s first liquid fueled rocket. He successfully launched his rocket on March 16, 1926, which ushered in an era of space flight and innovation that continues to the modern day. A visionary, he imagined what was possible, and then through work and study turned that vision into a reality.

THINGS TO CONSIDER BEFORE ANY HOME RENOVATION Spending money on upgrades with hopes that the investment will generate profit is a common practice for sellers. Aside from simple upgrades, such as adding a fresh coat of paint, practical improvements that improve the livability of the home have the best proven return on investment. Examples include: Altering the layout or functionality of a home will typically improve its value more than a large construction effort that adds structure but not form. An upgraded kitchen or eating area will probably have more value than a swimming pool or backyard water feature for example. Improving a plumbing or heating system, such as incorporating modern energy-saving technology is another upgrade that has proven value. Any upgrades that reduce operating costs or reduce its environmental footprint are also popular. Switching to energy-efficient lighting, sealing off heat loss areas and upgrading a home’s insulation are relatively simple choices. Builders know that certain upgrades pay off when it comes time to sell. Remodelled bathrooms, the installation of new windows and others have historically added to a home’s value.

Before you begin, create a budget and try to calculate what your efforts will add to the home’s value. Talking with a REALTOR ® , a home builder or staff at your local home improvement store might provide ideas as well. Then, once you’re ready, get to work.

EMERGING TECHNOLOGIES

HAVE CHANGED

REAL ESTATE

the client ever leaving their home, with the contracted on-site REALTOR ® looking after the physical details of the transaction. One of the industry’s key technologies is the MLS ® System, the industry standard database that provides sales professionals anywhere instant access to a vast trove of information regarding specific listings, neighbourhoods and more. Originally presented as a paper catalog, a document that was quickly out of date and increasingly expensive to produce, today’s MLS ® Systems are constantly updated and accessible around the clock. As new technologies emerge the real estate sector will be finding new and imaginative ways to turn those breakthroughs into ways of doing their jobs quicker, easier and to a larger audience. Real estate sales in the 21st century are eagerly riding the crest of this new technological wave.

Finding a way to make technology work for the betterment of any industry has helped change our modern world in ways unimagined by earlier generations. Time and again it ’s been proven that imagination is the catalyst that leads to innovation and that ’s never been truer than with the profession of real estate sales. Today’s real estate can cross the globe at the speed of light, serving an audience that could number in the thousands. A REALTOR ® at their computer keyboard can manage dozens of properties without leaving the comfort or convenience of their office. Thanks to websites, digital photography, simple-to-use video production software, Augmented Reality and Virtual Reality experiences, 3D renderings, interactive maps and other technologies, customers can visit a property virtually from the comfort of their home, on the other side of the world in some cases. Increasingly property purchases are made remotely, without

BRAIN TEASERS Courtesy of www riddles.com 1. What 8 letter word can have a letter taken away and it still makes a word. Take another letter away and it still makes a word. Keep on doing that until you have one letter left. What is the word?

1. The word is starting! starting, staring, string, sting, sing, sin, in, I. 2. Fire. 3. Your name.

2. I am not alive, but I grow; I don’t have

EASY SUDOKU #1 lungs, but I need air; I don’t have a mouth, but water kills me. What am I? 3. What belongs to you, but other people use it more than you?

Answers:

SUDOKU PUZZLE Creative puzzles are an excellent way to keep the mind sharp, while being fun and entertaining at the same time. Sudoku is a great example of a puzzle that benefits the grey cells, while being an exciting challenge. Enjoy this one! All rights reserved.

Copyright © 2014 puzzles-to-print.com.

Find more: Easy Sudoku Puzzles

Courtesy of www.puzzles-to-print.com

SOLUTION

EASY SUDOKU #1

THE TYPICAL STEPS INVOLVED WHEN BUYING A HOME Purchasing a home can be a complicated affair, but your

on your behalf by the real estate company. These funds are refundable if your conditions are not met. • Ensure all conditions are met before the sale completes. An addendum must be signed showing the acceptance of the home once fully satisfied. • Chose a lawyer or notary to complete the changing of ownership and the transfer of funds. • Notify the utility companies to arrange for services at your new address (including Canada Post) while informing them about your change of address. • Arrange for the movers. Moving companies are always especially busy in the middle and at the end of the month so try to arrange this step well in advance. • Approximately one week before moving in you will sign all of the necessary paperwork with your bank and lawyer which will complete the transaction.

REALTOR ® has the experience to help make the process as simple and as painless as possible. While some procedures may vary from province to province, there are many steps that are universally part of the real estate purchase process. Here are a few of them: • Choose the REALTOR ® you want to work with. They have the experience and the local knowledge to find the right home to match any need or budget. • Check out the marketplace – either online or with the aid of your REALTOR ® . Create a list before you start your search for the type of home you’re looking for. This could include things like the number of bedrooms, preferred neighbourhood, price range and so on. • Once you find the home of your dreams make an offer on the property, subject to any conditions you may have. If the offer is accepted, a deposit must be made which will be held

INTERNATIONAL DESTINATIONS FOR CANADIAN SNOWBIRDS It ’s estimated that each winter a million or more Canadians will migrate from their snowy homes in search of warmer locations. Referred to as Snowbirds, these travellers will nest for months outside of Canada, to return with the spring like their avian namesakes. Traditionally the destination of choice (and still the number one location) is the United States. Thanks to the convenience of air travel, differences in monetary values and effective marketing, these other destinations are picking up an increasingly large share of this lucrative visitor traffic: - Mexico has become the second primary locale for Canadian snowbirds due to glorious beaches, forested mountains and the lure of ancient civilizations. - Costa Rica, the country’s northwest, is especially sought-out, thanks to its proximity to Pacific beaches and other tourist-centered attractions. - A tropical climate, affordable lifestyle and tourist-friendly tax laws, Panama is becoming a favoured winter location. - The island nation of the Dominican Republic is popular because of affordable rents, fabulous beaches and a low cost of living.

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© 2022 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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