Making s'mores on a fire is a classic summertime activity that brings people together. Here are some tricks and tips to help you create delicious and perfectly toasted s'mores: 

Choose the right ingredients: Traditional s'mores require graham crackers, chocolate bars, and marshmallows. Opt for high-quality ingredients to enhance the flavors.

Prep your marshmallows: To ensure even toasting, use fresh marshmallows and allow them to come to room temperature. This will help them toast more evenly and prevent them from burning on the outside while staying cold inside. 

Toasting techniques:

Skewer the marshmallow: Use long roasting sticks or metal skewers to hold the marshmallow. Make sure to secure the marshmallow firmly to avoid any mishaps.

Steady rotation: Hold the marshmallow just above the flames, rotating it slowly and consistently. This will help achieve an even, golden-brown toast.

Different levels of doneness: Toast your marshmallows to your desired level of doneness—some people prefer a lightly toasted marshmallow, while others enjoy a charred, caramelized exterior. Find what works best for you!

Safety first: When toasting marshmallows over an open fire, be mindful of safety precautions. Keep a safe distance from the flames, and supervise children throughout the process. 

Be patient: Toasting marshmallows takes time and patience. Avoid the temptation to rush the process by sticking the marshmallow directly into the fire. A slow and steady toasting method yields the best results. 

Prep your s'mores assembly station: Set up a space with graham crackers, chocolate bars, and toasted marshmallows nearby. This will ensure a seamless and efficient s'mores-making experience.

Experiment with flavors: While the classic combination of graham crackers, chocolate, and marshmallows is delicious, feel free to get creative! Add different ingredients like flavored chocolate bars, peanut butter, sliced fruits, or even a sprinkle of sea salt to elevate your s'mores game.

Alternative cooking methods: If you don't have access to a fire pit, you can still enjoy s'mores. Try using a grill, a kitchen torch, or even the broiler in your oven to toast the marshmallows to perfection.

Remember, s'mores are best enjoyed when they're warm and gooey, so assemble them quickly after toasting the marshmallow. With these tricks in mind, you'll be ready to create delightful s'mores that will be a hit with friends and family around the fire. Enjoy!

There are plenty of enjoyable things to do at home on a long weekend! Here are some ideas: 

Start a new hobby: Whether it's painting, knitting, gardening, or cooking, a long weekend is the perfect time to pick up a new hobby and dive into it.

Have a movie or TV marathon: Catch up on all those shows and movies you've been wanting to watch. Make some popcorn, grab some snacks, and settle in for a cozy weekend on the couch.

Get some exercise: Try out some new workouts, do some yoga, or go for a walk or a run. Exercise is a great way to relieve stress and boost your mood.

Cook or bake: Spend some time in the kitchen trying out new recipes or perfecting old favorites. You could even plan a fancy dinner party or bake some goodies to share with friends and family.

Read a book: Curl up with a good book and lose yourself in a different world. Reading is a great way to unwind and relax. 

Play games: Whether it's board games, card games, or video games, games are a fun way to spend time with family or friends.

DIY projects: Get creative and try out some fun DIY projects around the house. From painting a room to building furniture, the possibilities are endless. 

Catch up on sleep: Sometimes the best thing to do on a long weekend is to simply catch up on some much-needed rest and relaxation.

Remember, the most important thing is to do what makes you happy and helps you recharge for the week ahead!

As we head into the middle of 2023, the real estate market continues to show signs of growth and stability. Here are some key updates on the state of the market:

Home prices are rising, but at a slower pace: According to recent data, home prices across the country have continued to rise, but at a slower pace than in previous years. This is good news for buyers who have been struggling to afford homes in a competitive market.

Inventory remains low: Despite the slower pace of price increases, the number of homes available for sale remains low in many areas. This means that buyers are still facing tough competition, and sellers are often receiving multiple offers on their properties. 

Interest rates are holding steady: The Federal Reserve has indicated that interest rates are likely to remain stable for the foreseeable future. This is good news for buyers, as it means that mortgage rates are likely to remain affordable

New construction is on the rise: Developers are responding to the demand for housing by building new homes and apartments in many areas. This is providing additional options for buyers and helps to ease some of the inventory constraints.

Overall, the real estate market continues to show strength and resilience in the face of challenges. Buyers and sellers alike should remain optimistic as we head into the summer months.

Mother's Day is just around the corner, and it's the perfect time to show your mom how much you care. While gifts and flowers are always appreciated, sometimes the best way to celebrate is by spending quality time together. Here are ten fun and meaningful activities you can do with your mom to create lasting memories.

Go on a hike

Find a local hiking trail and spend the day exploring the great outdoors. Not only is it a great way to get some exercise, but it's also a chance to enjoy nature and each other's company.

Have a spa day

Treat your mom to a day of pampering by booking a spa day for the two of you. You can enjoy massages, facials, and other relaxing treatments together. 

Cook a meal together

Find a new recipe and spend the day in the kitchen cooking a delicious meal together. You can bond over your love of cooking and enjoy the fruits of your labor at the end of the day.

Take a pottery class

Get creative and try something new by taking a pottery class together. You can create unique pieces of art while spending quality time with your mom.

Go on a road trip

Pack up the car and hit the road for a fun day trip or weekend getaway. Whether you explore a new city or just drive around and enjoy the scenery, it's a chance to create new memories together. 

Attend a concert or show

Find a local concert or show and enjoy a night out together. Whether you're into music, theater, or comedy, there's sure to be something that you'll both enjoy.

Have a movie marathon

Pick a few of your favorite movies and spend the day snuggled up on the couch together. You can enjoy your favorite snacks and drinks while watching some classic films.

Volunteer together

Find a local charity or organization and spend the day volunteering together. Not only is it a great way to give back to your community, but it's also a chance to bond over a shared interest.

Go on a bike ride

Rent some bikes and spend the day exploring your city or town on two wheels. It's a fun and active way to spend time together and get some fresh air.

Have a picnic

Pack a basket with your favorite foods and head to the park for a relaxing picnic. You can enjoy the sunshine and each other's company while savoring some delicious snacks. 

There are so many fun and meaningful ways to celebrate Mother's Day. Whether you go on a hike, have a spa day, cook a meal together, or any of the other activities on this list, the most important thing is to spend quality time with your mom and show her how much you love and appreciate her

The weather this coming week is projected to be a hot one! When temperatures soar, it's important to take steps to stay cool and safe. Here are some tips for dealing with a heat wave:

1. Stay Hydrated

One of the most important things you can do during a heat wave is to stay hydrated. Drink plenty of water and avoid sugary or caffeinated beverages (ya right!) that can dehydrate you. If you're sweating a lot, you may need to replace electrolytes as well. Sports drinks or coconut water are good options for this.

2. Stay Indoors During the Hottest Part of the Day

The sun's rays are strongest between 10 a.m. and 4 p.m., so it's best to stay indoors during this time. If you need to go outside, wear light-colored, loose-fitting clothing, and a hat to protect your head and face from the sun. Apply sunscreen with an SPF of at least 30.

3. Use Air Conditioning or Fans

If you have air conditioning, you’re in good shape. If you don't have air conditioning, use fans to circulate the air and create a breeze. Consider purchasing a portable air conditioner or window unit if you don't have central air conditioning.

 4. Take Cool Showers or Baths

Taking a cool shower or bath can help lower your body temperature and provide relief from the heat. You can also place a wet towel or cloth on the back of your neck or forehead to cool off.

 5. Check on Vulnerable Friends and Family Members

Heat waves can be especially dangerous for children, elderly people, and those with pre-existing health conditions. Check on your vulnerable friends and family members to make sure they're staying cool and hydrated.

 6. Avoid Strenuous Activities

During a heat wave, it's best to avoid strenuous activities, such as exercise or heavy lifting. If you need to be active, do so in the early morning or late evening when temperatures are cooler.

 7. Know the Signs of Heat Exhaustion and Heat Stroke

Heat exhaustion and heat stroke are serious conditions that can be life-threatening. Symptoms include dizziness, nausea, headache, rapid heartbeat, and confusion. If you experience any of these symptoms, seek medical attention immediately.

By following these tips, you can stay cool and safe during a heat wave. Remember to take care of yourself and those around you, and stay informed about the latest weather conditions and advisories. 

Are you thinking of selling your home?

As seasoned real estate agents, we know that this can be an exciting and overwhelming time for you. You may have many questions about the process, the market, and how to get the best price for your property. That's where we come in.

First, let us assure you that we are here to help you every step of the way. we have the expertise, experience, and resources to guide you through the entire process, from pre-listing to closing. Our goal is to make the process as smooth and stress-free as possible for you, while also ensuring that you get the best possible outcome.

One of the first things we will do together is to determine the market value of your home. This involves looking at factors such as the location, size, condition, and recent sales of comparable properties in your area. With this information, we can set a competitive price that will attract potential buyers while still maximizing your profit.

Next, we will work on preparing your home for sale. This may involve making small repairs, decluttering and depersonalizing the space and enhancing its curb appeal. We can provide you with valuable tips and recommendations to make your home look its best and appeal to a wide range of buyers.

Once your home is ready, we will start marketing it to potential buyers. We have a comprehensive marketing strategy that includes online and offline advertising, social media, open houses, and more. We will also work with our network of agents, and investors to get your home in front of the right people.

As offers come in, we will work with you to negotiate the best possible terms and price. We will also handle all the paperwork, inspections, and other details to ensure a smooth transaction. Our goal is to make the selling process as stress-free and seamless as possible for you.

In summary, selling your home can be a complex and emotional process, but it doesn't have to be. With our help, you can feel confident that you are making the best decisions for your property and your future. Contact us today to schedule a consultation and let's get started on this exciting journey together.

• Get organized. Before you start packing mugs and bowls into boxes, take inventory of each cupboard and drawer in your kitchen. Use this opportunity to purge or donate any items you do not intend to take with you. Next, gather all the packing materials you will need, including packing paper or bubble wrap, strong tape, boxes in various sizes, and a marker.

• Set aside your essentials. You can’t leave everything to the last minute, so you’ll want to pack up the vast majority of your kitchen ahead of time and leave out only a few essential items to be used in the final days and weeks leading up to your move. Keep out one dish, bowl, mug, glass, and set of cutlery per person, along with any small appliances used daily (i.e. a coffee maker). You may also need to hold back one multi-purpose pot or pan. On moving day, carefully pack all these items into one box and label them ‘essentials’.

• Pack it in. Place similar items together, and organize your kitchen contents by size and fragility. For example, all flat plates should be packed together with a few sheets of packing paper in between each one. The same goes for bowls. Remember, most of these items are heavy and breakable, so be sure to use strong boxes or bins with snap-tight lids, and fill in any empty space with extra paper or bubble wrap.

Tips for boxing breakables:

• • Double-tape the bottom of any cardboard boxes to support heavy items. Place a dish towel or some scrunched up packing paper at the bottom of each box to provide extra support for heavy dishes.
  • Clearly label each box or bin, identifying not only the room it belongs to (kitchen), but also the contents of the box (pots and pans, mixing bowls, cutlery, etc.). You’ll be glad you did when you’re looking for your favourite coffee mug.
  • Use special glass dividers that can be inserted into packing boxes to transport your stemware safely.
  • Fill the empty space inside the boxes with dish towels and other linens in order to keep items from shifting and potentially getting damaged. They have to be packed anyway!
  • Wrap your entire cutlery tray in packing paper or a tablecloth and place it flat inside a box.
  • Always wrap knives separately in paper or bubble wrap first and then in a dish towel. Place them on their side inside the box – never pointing up. And, be sure to clearly label this box.

• Reduce food waste. Before you move, take stock of the contents of your fridge, freezer, and pantry. In an effort to minimize waste, try to think of easy recipes you can make to use up as many of these items as possible. On the moving day, put the remaining items in a cooler with cold packs. These items should be packed last before you leave and unpacked first when you get to your new place.

COMMON BUYER MISCONCEPTIONS - WHEN PURCHASING A PROPERTY, AVOID THESE MISCONCEPTIONS

YOU CAN START LOOKING AT HOMES BEFORE GETTING A MORTGAGE PRE-APPROVAL

To ensure that your financing doesn't fall through, make sure you receive a commitment from your lender. Shopping around without a mortgage pre-approval may result in heartbreak if you find out you cannot afford or put an offer on properties you love. To do a mortgage pre-approval, your lender will check your credit, and verify your employment and downpayment, so start collecting all the paperwork necessary for your qualification. We know great local mortgage brokers and lenders, so if you need help, we'd love to put you in touch with people we trust.

SPENDING RIGHT UP TO OR OVER YOUR MAXIMUM BUDGET

Closing costs are typically 1-2% of the purchase price, and while many fees are found in every transaction (e.g., taxes, lawyer fees, etc.), you may incur extra costs depending on the type of property you purchase and the area. Additionally, keep in mind that you may need to upgrade or fix certain areas of your new home, or you will need an unexpected repair not long after your purchase. Therefore, make sure you don't use up all your savings and budget to pay for closing costs, the down payment, moving expenses, and some extra money in case of urgent repairs.

YOU GET A BETTER DEAL WHEN BUYING A HOME WITH THE LISTING AGENT

Although the listing agent often knows more about the property you want to purchase, they are still working for the seller. This means that their job is to get the best purchase price and contingencies for the seller, not you. Therefore, purchase a house with a different agent who will work for YOU. Best part? You don't pay anything for a buyer agent's services!

As more households renew their mortgages at higher rates and restrictive monetary policy works its way through the economy more broadly, consumption is expected to moderate this year.

In Canada, demand is still exceeding supply and the labour market remains tight. Economic growth in the first quarter looks to be stronger than was projected in January, with a bounce in exports and solid consumption growth. While the Bank’s Business Outlook Survey suggests acute labour shortages are starting to ease, wage growth is still elevated relative to productivity growth. Strong population gains are adding to labour supply and supporting employment growth while also boosting aggregate consumption. Housing market activity remains subdued.

The next scheduled date for announcing the overnight rate target is June 7, 2023.

https://www.bankofcanada.ca/2023/04/fad-press-release-2023-04-12/