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101-10620 178 St. Edmonton, AB T5S 2E3 1 2 3 REALTY




www. arnold kennedy.com

Volume 17 | Number 01


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.


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


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.


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!


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


Housing market resilient in 2023, ends year in balanced territory

$751,300 apartment UP 5.6% year-to-year

$1,964,400 detached UP 7.7% year-to-year


$1,072,700 townhouse UP 6.4% year-to-year


detached 376 719 apartment

detached 3,394

3,663 apartment




45 DAYS ON MARKET (detached)

Vancouver, January 3, 2024 – Metro Vancouver’s housing market closed out 2023 with balanced market conditions, but the year-end totals mask a story of surprising resilience in the face of the highest borrowing costs seen in over a decade. “You could miss it by just looking at the year-end totals, but 2023 was a strong year for the Metro Vancouver housing market considering that mortgage rates were the highest they’ve been in over a decade,” Andrew Lis, REBGV’s director of economics and data analytics said. “In our 2023 forecast, we called for modest price increases throughout the year while most other forecasters were predicting price declines. The fact that we ended the year with five-per-cent-plus gains in home prices across all market segments demonstrates that Metro Vancouver remains an attractive and desirable destination, and elevated borrowing costs alone aren’t enough to dissuade buyers determined to get into this market.”

Residential sales in the region totalled 1,345 in December 2023. There were 1,327 residential properties newly listed for sale on the Multiple Listing Service ® (MLS ® ) in Metro Vancouver in December 2023. Sales of detached homes in December 2023 reached 376. The benchmark price for a detached home is $1,964,400 up 7.7 per cent from December 2022. Sales of apartment homes reached 719 in December 2023. The benchmark price of an apartment home is $751,300 which represents a 5.6 per cent increase from December 2022. Attached home sales in December 2023 totalled 238. The benchmark price of a townhouse is $1,072,700 a 6.4 per cent increase from December 2022. Statistics reflect market activity in December 2023 | Source: REBGV ® Real Estate Board of Greater Vancouver | Market values stated are of the benchmark of Vancouver 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.

phone: 800.309.1747 fax: 780.486.1421 email: arnoldkennedy.ca web: www.arnoldkennedy.com


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