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THE DWYER TEAM

B100-509 Commissioners Rd W London, ON N6J 1Y5

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:

SUBDUED DECEMBER SALES CONCLUDE A MODERATE YEAR

$571,200 all residential

UP 0.8% year-to-year

Benchmark Price

335 SOLD LISTINGS

386 NEW LISTINGS

4.4 MONTHS OF INVENTORY

86.8% SALES TO NEW LISTING RATIO

1,475 ACTIVE LISTINGS (residential inventory)

London, ON – Last month 335 homes exchanged hands via the MLS ® System of the London and St Thomas Association of REALTORS ® (LSTAR). Out of the 335 properties sold in December, 248 were single-family homes, 58 were townhouses, and 27 – apartments. The number of newly listed properties dropped from 928 in November to 386 in December. Despite the significant monthly decline, this number is still in line with LSTAR’s ten-year average for new listings for the month of December. “Our December data appears to indicate that some sellers are opting to delay their plans until the spring. Despite this, there are still quite a few individuals actively participating in the market. For more insights and expert guidance on how to navigate the current real estate

landscape, we encourage you to connect with a local REALTOR ® ,” Miller said. Housing supply saw a minor monthly decrease, moving to 4.4 months in December.

The Composite MLS ® Home Price Index (HPI) Benchmark Price sat at $571,200, marking a slight dip from November’s $577,400. Statistics reflect market activity in December 2023 | Source: London St. Thomas Association of REALTORS ® | Market values stated are of the benchmark of London St. Thomas. Individual home market values 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 | dwyerteam@kw.com

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