THE REALTY GROUP
theTBrealtygroup.com
NOVEMBER 2023
POWER TO MOVE YOU
NOVEMBER 2023 FEATURES 5
What our clients say
6
About our team
12
Essential steps to prepare your car for the cold
14
October market update
16
A journey of love and resilience - how a 99-year old mother-in-law explored the world and celebrated milestone birthdays across borders
24
Estate planning
28
How to set your grandchildren up for financial success
34
Toronto seniors and international students become roommates to fight housing crisis
38
Can a reverse mortgage save your retirement plans
41
Holiday season party ideas
44
Herbed ricotta stuffed chicken in white wine pan sauce
46
Holding court - bringing a prewar apartment into the twenty-first century
48
Smoky harvest apple cider margarita
50
OAF - Jurassic World Exhibit Reviewed by Theresa Baird
51
OAF - Langdon Hall Reviewed by Lindsay Meadwell
52
When you put others first, you will never be second
PROPERTIES
22
8
511 - 65 Port Street, Mississauga For Sale
20
5521 Velda Road, Mississauga For Sale
26
305 - 175 South Glenwood Street, Wyoming, USA For Sale - 1/8 ownership
30
1291 Glenayr Gate, Oakville For Lease
36
206 - 65 Port Street, Mississauga Coming Soon
42
11 Highland Park, Mississauga Sold
Power Powerto toMove MoveYou You
Power Power to to Move Move You You
33
Dear Esteemed Readers of Power to Move You, As we usher in the brisk winds of November, it is with great pleasure that I welcome you to the latest edition of Power to Move You – your premier source for insightful real estate content, thoughtful reflections, and a touch of humour. Within these pages, our expert team has meticulously curated a selection of features designed to capture your interest and elevate your real estate experience. Delve into the authentic narratives shared by our valued clients, providing a compass for success in your unique real estate journey. Meet the exceptional individuals comprising “Our Team,” where expertise seamlessly blends with a dedication to service, and, I confess, an occasional office joke or two. For those preparing for the impending winter, discover indispensable tips to ensure your vehicle is winter-ready, a testament to our commitment to your holistic well-being. Engage with our October market update, where numbers come alive, offering insights that are sure to leave you wanting to reach out to us to learn how they impact you. Prepare to be moved by the remarkable journey of a 99-year-old mother-in-law who defied borders and celebrated life’s milestones, proving that age is merely a number – particularly a significant one. Explore the intricacies of estate planning and gain insights into securing financial legacies for future generations. Our exploration extends to innovative solutions to the housing crisis, where Toronto seniors and international students forge unique bonds as roommates, narrating heartwarming tales of shared spaces and shared stories. Contemplating retirement plans? Uncover the potential of a reverse mortgage as a financial safeguard. As we approach the festive season, discover imaginative party ideas that transcend the ordinary – a reflection of our commitment to providing not just real estate guidance but enriching lifestyle content. Culinary enthusiasts, brace yourselves for delectable recipes that promise to tantalize your taste buds. In our Properties section, discover listings that may very well be the embodiment of your next home sweet home. From chic condos to charming houses, each property reflects our commitment to presenting you with dream-worthy options. As a token of our commitment to cultural experiences, we present reviews of the Jurassic World Exhibit and Langdon Hall, adding a dash of adventure and luxury to your reading experience. So, as you settle in with your favourite beverage, I invite you to immerse yourself in the November issue of Power to Move You – your compass in the world of real estate, lifestyle, and a touch of humour. Wishing you an enlightening and enjoyable reading experience. Warm regards,
Theresa Baird Broker Keller Williams Real Estate Associates, Brokerage 103 Lakeshore Road East, Mississauga 647-298-0997 | tbaird@tbaird.com
REALTY GROUP theTBrealtygroup.com
Your Home Sold GUARANTEED Or I’ll Buy It!* * Some conditions apply. Inquire for details.
4
Power to Move You
WHAT OUR CLIENTS SAY MADE MY EXPERIENCE AS STRESS-FREE AS POSSIBLE If I had to do it again without hesitation, I would choose Theresa Baird and Lindsay Meadwell as my real estate agents. Both Theresa and Lindsay demonstrated professionalism, experience, and knowledge of the market from beginning to end. They were most attentive and always had my best interest throughout the entire process. They truly made my experience as stressfree as possible and I would choose The TB Realty Group again. - Martin
HARD WORK AND PERSISTENCE Thanks so much for your hard work and persistence in dealing with the agent for the clients who bought my place. I am fairly certain this was the fastest sale in our complex in all the years I have been here:) The staging, the renovating, cleaning and decluttering made it look fabulous! Thanks again to you and your team I would be happy to refer all of you to anyone I know who is in the market for a buy or sell. - Judy
Power to Move You
5
66
Powerto toMove MoveYou You Power
About our team At the TB Realty Group, we take great pride in being a dedicated group of professional realtors who strive to deliver the best possible service to our clients. Our team is passionate about inspiring and sharing the lifestyle that comes along with buying or selling a property, regardless of price point. With decades of combined real estate experience, we have the knowledge and expertise to provide exceptional representation and expert negotiation, all while building the long-lasting relationships and trusted partnerships that set us apart. As members of the Keller Williams Luxury Brand, we have access to a global network allowing us to reach buyers not only locally but also internationally through our affiliation with Who’s Who in Luxury Marketing. This gives our clients a distinct advantage in the competitive world of real estate. Our team is there through every step of the real estate process, holding ourselves accountable to the highest standard of integrity and always placing our client’s interests above all else. We ensure that the experience of buying, selling, or investing in real estate is as easy as possible. By prioritizing our client’s needs we work hard to exceed expectations and are committed to going above and beyond to provide an unmatched level of customer service. We are developing relationships that last a lifetime and invite you to take this journey with us!
CLICK HERE TO MEET THE TEAM
REALTY GROUP theTBrealtygroup.com
Power to Move You
INTERNATIONAL
7
FOR SALE
511 - 65 PORT STREET, MISSISSAUGA
888
Power to Move Move You You Power Power to Move You to
Welcome to The Regatta, in the vibrant neighbourhood of Port Credit, where a world of luxury and breathtaking views awaits. Perched on the 5th floor, this condo offers an awe-inspiring panorama of the lake visible from every window, providing a constant reminder of the beauty that surrounds you. The entire condo has been freshly painted, enhancing the bright and open atmosphere.
CLICK HERE TO VIEW THIS LISTING
Power to Move You
17
9
The heart of the home, the gorgeous kitchen is a chef’s delight, featuring stainless steel appliances, granite countertops, and an eat-in breakfast area with convenient access to the balcony, perfect for enjoying your morning coffee with a view. This is not just a condo; it’s a lifestyle where luxury meets convenience, and every detail is designed for your comfort and enjoyment.
10
Power Powerto toMove MoveYou You Power to Move You
Power to Move You
1111
Essential Steps to Prepare Your Car for the Cold As the temperature drops and the days grow shorter, it’s time to ensure that your vehicle is fully equipped to tackle the challenges of winter. Proper preparation can significantly enhance your safety and the performance of your car during the chilly months. Here are some crucial steps to get your car ready for the winter season. Check Your Tires: Your tires are your first line of defense on icy roads. Make sure they have sufficient tread depth and are properly inflated. Consider switching to winter tires for better traction and handling in snow and ice. Inurance companies also give a winter tire discount. Make sure to book your tire rotation before the snow flies. Test the Battery: Cold weather can be tough on car batteries. Before winter sets in, have your battery tested to ensure it has enough power to withstand the cold. Replace it if it’s weak or nearing the end of its lifespan. Inspect the Brakes: Effective brakes are essential for safe winter driving. Have a professional mechanic check your brake system, including brake
pads, rotors, and brake fluid, to ensure they are in optimal condition. This can be done when you get your winter tires put on. Replace Worn Wiper Blades: Clear visibility is crucial during snow and sleet. Replace old or worn wiper blades with new ones designed for winter use. Consider using winter-grade windshield wiper fluid to prevent it from freezing. Wiper blades and windshield washer fluid make great Christmas gifts. Top-Up Fluids: Check and refill all essential fluids, including engine oil, coolant, and windshield wiper fluid. Use the appropriate type of antifreeze for the coolant, as it prevents the engine from freezing in extremely cold temperatures.
Written by Lisa Baird-Oryschak
12
Power to Move You
Examine the Heater and Defroster: Test your car’s heating system and defroster to ensure they are functioning properly. If you notice any issues, get them repaired before the cold weather sets in. Always, keep a couple blankets in your car incase of an emergency. Inspect Lights and Signals: Ensure that all exterior lights, including headlights, taillights, and turn signals, are working correctly. With reduced daylight during winter, having fully functional lights is crucial for visibility. Stock Emergency Supplies: Prepare an emergency kit for your car, including items such as a flashlight, blanket, extra warm clothing, non-perishable food, water, a first-aid kit, and a shovel. These supplies could be vital in case of a breakdown or getting stuck in the snow. (I was always taught to keep some left over halloween candies in the glove box) Power to Move You
Keep Fuel Tank Full: Try to keep your fuel tank at least half full throughout the winter. This practice not only prevents the fuel line from freezing but also ensures you have enough fuel if you get stranded in inclement weather. This is a great rule for every season, you never know when an emergency may happen and you don’t want to think about having to stop to get gas first. Have a Winter Safety Check-Up: Consider scheduling a comprehensive winter maintenance checkup with a certified mechanic. They can assess your car’s overall condition and make any necessary adjustments to ensure it’s well-prepared for the cold season. Rust proofing is always a great thing to do for your vehicle every year as well. By following these simple yet crucial steps, you can ensure that your car is ready to brave the challenges of winter, keeping you safe and secure during the colder months. Stay prepared, stay safe, and enjoy the winter wonderland without any worries about your vehicle. 13
CLICK HERE TO VIEW THE FULL MARKET UPDATE 14
Power PowertotoMove MoveYou You
The TB Realty Group October 2023 Market Update Lack of affordability and uncertainty remained issues for many would-be home buyers in the Greater Toronto area (GTA) in October 2023. As a result, sales edged lower compared to last year. However, selling prices remained higher than last year’s levels. “Recent population growth and a relatively resilient GTA economy have kept the overall demand for housing strong. However, more of that demand has been pointed at the rental market, as high borrowing costs and uncertainty on the direction of interest rates has seen many would-be home buyers remain on the sidelines in the short term. When mortgage rates start trending lower, home sales will pick up quickly,” said TRREB President Paul Baron. REALTORS® reported 4,646 home sales through TRREB’s MLS® System in October 2023 – down 5.8 per cent compared to October 2022. On a month-over month seasonally-adjusted basis, sales were also down compared to September. New listings in October were up noticeably compared to the 12-year low reported in October 2922, but up more modestly compared to the 10-year average for October. New listings, on a seasonally-adjusted basis, edged slightly lower month-over-month compared to September 2023. The October 2023 MLS HomePrice IndexComposite benchmark and the average selling price were both up on year-over-year basis, by 4.4 per cent and 3.5 per cent respectively. On a seasonally adjusted basis, the MLS HPI Composite benchmark edged lower com-
pared to September 2023 while average selling price remained at a similar level. Both the MLS HPI Composite benchmark and average price remained above the cyclical lows experienced at the beginning of 2023. “Competition between buyers remained strong enough to keep the average selling price above last year’s level in October and above the cyclical lows experienced in the first quarter of the year. The Bank of Canada also noted this resilience in its October statement. However, home prices remain well below their record peak reached at the beginning of 2022, so lower home prices may have mitigated the impact of higher borrowing costs to a certain degree,” says TRREB Chief Market Analyst Jason Mercer. “In the current environment of extremely high borrowing costs, it is disappointing to see that there has been no relief for uninsured mortgage holders reaching the end of their current term. If these borrowers want to shop around for a more competitive rate, they are still forced to unrealistically qualify at rates approaching 8 per cent. Following their most recent rounds of consultants, the Office of the Superintendent of Financial Institutions should have eliminated this qualification rule for those renewing their mortgage with a different institution,” says TRREB CEO John DiMichele.
Source: The Toronto Regional Real Estate Board Power to Move You
15
A Journey of Love and Resilience
How a 99-Year-Old Mother-in-Law Explored the World and Celebrated Milestone Birthdays Across Borders In the heartwarming saga of a remarkable family, the 99-year-old matriarch, affectionately known as Baba, became the catalyst for an extraordinary journey across the continents. From Canada to the USA, the Bahamas to Mexico, her indomitable spirit and infectious enthusiasm transcended borders, leaving an indelible mark on all those who had the privilege of accompanying her. Baba’s odyssey began within the walls of her son William’s home, where her laughter and warmth illuminated every corner. As sshe turned 90, her family made the decision to have her move in with them, an act that would later set the stage for a series of unforgettable adventures. Little did they know that this decision would pave the way for an expedition that would redefine the bonds of familial love and resilience.
year of 1918 afforded them unprecedented advantages, allowing them to revel in luxurious stays at the Sheraton Centre Toronto Hotel and other remarkable destinations across the country. From the breathtaking views of the CN Tower to the captivating allure of the Ottawa War Museum, each location served as a backdrop to the cherished memories they would forever hold dear.
Their initial journeys took them through the picturesque landscapes of Canada, with Baba’s presence unlocking unforeseen opportunities through the SPG (Starwood Preferred Guest) Program. Surprising even the most seasoned travelers, her birth
Fueled by their collective determination to fulfill Baba’s lifelong wish of seeing the ocean, they embarked on a transformative journey aboard the Via Rail, traversing the breathtaking expanse from Toronto to Vancouver. The bonds they formed with fel-
Written by and photography by Lisa Baird-Oryschak 16
Power to Move You
Power to Move You
1717
18 18
Power toto Move You Power Move You
low travelers and the breathtaking vistas that unfolded before their eyes served as a testament to their unyielding spirit and sense of adventure. As they relished the sights of Vancouver, cherishing the beauty of its surroundings, they celebrated Baba’s 93rd birthday in style, making memories that would last a lifetime.
preconceived notions about limitations associated with age. Her story serves as an inspiration for all those who aspire to embark on new adventures, demonstrating that with determination and the unwavering support of loved ones, one can traverse the globe and create enduring memories at any stage of life.
Perhaps the most challenging feat was acquiring Baba’s first passport, a process that tested their patience and perseverance for a staggering 18 months. Undeterred by bureaucratic complexities, they pressed on, eager to unlock the world for their beloved Baba. With her cherished passport in hand, their journey transcended beyond borders, venturing into the charming town of Frankenmuth, Michigan, where they were greeted with open arms and a sense of community that resonated with their own familial bond.
Baba’s resolute spirit and the unwavering dedication of her family and friends showcased the transformative power of unity and love. Together, they demonstrated that the joy of discovery and the magic of travel can be experienced by all, regardless of age, provided one possesses the desire to explore and the courage to embark on new and exciting journeys. As their story reverberates across continents, it serves as a beacon of hope and encouragement, encouraging others to seize the opportunity to craft their own unforgettable tales of love, resilience, and exploration, no matter their age or background.
Their adventures reached new heights as they soared through the enchanting realms of Disney World and Universal Studios, reveling in the jubilant atmosphere and sharing in Baba’s contagious delight. From riding exhilarating attractions to partaking in intimate meals with beloved Disney characters, every moment was infused with an undeniable sense of joy and togetherness. Their journey culminated in a Marvel cruise aboard the Disney Magic Cruise Ship, where they were treated to opulent accommodations and an immersive experience that celebrated Baba’s centennial milestone in grand style. As they retraced their steps to Disney World to commemorate Baba’s 101st birthday, the family realized that age was merely a number in the face of their enduring love and cherished memories. Baba’s passport, a symbol of newfound possibilities and shared experiences, encapsulated the profound impact of their extraordinary journey. It stood as a testament to the power of love, resilience, and the unbreakable bonds that define the very essence of family. Their collective resolve to embrace every moment and create enduring memories would serve as a guiding light, illuminating their path through a lifetime of love and joy. Their remarkable journey stands as a testament to the notion that the spirit of adventure knows no bounds, and that the possibility of travel remains within reach, regardless of age or circumstance. With an unwavering desire to explore the world and a steadfast support system comprising loving family and friends, Baba shattered Power to Move You
Throughout Baba’s remarkable journey, one resounding message rang clear: age should never limit one’s capacity to explore and create unforgettable experiences. With the unwavering support of her devoted family and friends, Baba proved that the desire to travel and the presence of a strong support system could transcend any limitations, regardless of age or circumstance. Her extraordinary odyssey serves as an inspiring testament to the power of determination, resilience, and the unwavering bonds of love. It stands as a beacon of hope for all those who aspire to embark on their own adventures, regardless of their stage in life. Baba’s story exemplifies that with a loving family by one’s side, and a spirit eager for exploration, the world remains an open playground, ready to be discovered and cherished, no matter one’s age. As her family and friends continue to reminisce about the cherished moments shared during their escapades, Baba’s legacy serves as a gentle reminder that the beauty of life lies not only in the destinations we reach but also in the profound connections we nurture along the way. Her unwavering determination to traverse borders and create enduring memories serves as a beacon of inspiration, encouraging others to seize every opportunity and create their own extraordinary tales, irrespective of age or circumstance. 19
FOR SALE
5521 VELDA ROAD, MISSISSAUGA
20
Power PowertotoMove MoveYou You
Captivating haven in the heart of Churchill Meadows. This property not only offers a delightful park just across the street but also sits within a great school district with a gifted program. Schools like Middlebury PS, Dolphin Senior PS, and The Woodlands SS ensure excellent educational opportunities for your family. Convenience is key, with walking distance to public transit, parks, restaurants, and a soccer field, fostering an active and connected community lifestyle. Larger public parks in the vicinity, such as Sugar Maple Woods Trail, Middlebury Green Park, and Duncairn Downs Park, provide additional outdoor recreation options. CLICK HERE TO VIEW THIS LISTING
Power to to Move Move You You Power
17
21
Adding practicality to this exceptional location is its proximity to Credit Valley Hospital. In essence, this property transcends the definition of a house; it’s a captivating haven that seamlessly integrates lifestyle, comfort, and community, making it an ideal place to call home.
22
Power PowertotoMove MoveYou You
Power to Move You
2323
For many family members, the decision to disperse their assets, such as the family home, can be filled with diverse emotions. Taking the time to first have a conversation with your family members about their expectations and desires and then creating a clear and legally binding plan will ensure everyone’s wishes are respected.
Estate Planning 101 The Three Primary Ways to Pass a Home Down: Selling to a family member.
Gifting to a family member while you are still living.
Bequeathing to a family member after your passing.
Each option has pros and cons and can vary by province. Always check with a qualified financial professional and attorney to ensure your rights, as well as those of your family members, are protected and that all laws are followed.
Last Will and Testament
Trust
This is a legal document that states how your assets
There are two primary types of trusts – inter vivos aka
should be distributed. It can also name an executor of your estate as well as a guardian for your children. This can be done on your own, but should be signed
living trust and testamentary trust. It’s important to note that laws may vary by province.1 The main benefit trusts have over wills is that trusts do not need to go through
in the presence of two witnesses who will not benefit from your estate. It becomes effective upon your
probate court; therefore, assets can be distributed faster. Consult your financial planner or attorney to learn
death and must go through probate court.
which type is best for you and your family.
The 21-year Rule Under the Income Tax Act, trusts are generally deemed to dispose of their property 21 years after their creation. The trust is considered to have sold all its assets at once and all the unrealized gains on the trust property are taxed.2 24 © 2023 Buffini & Company. All Rights Reserved. Used by Permission. RMMK AUGUST C
Power to Move You
*This informational flyer does not constitute financial advice. Always consult a trusted financial services professional or attorney regarding matters related to this subject.
Your Estate Planning Checklist These are some of the things you need to have documented to ensure your affairs are in order and your final wishes carried out. 1.
Last Will and Testament or Trust
2. Executor of Your Estate
7. Power of Attorney 8. Proof of Identity Social Insurance Number that is on an
3. Beneficiaries of Your Estate
official card or letter Driver’s license
4. Guardians for Minor Children 5. Beneficiary Designations Canadian Registered Retirement Savings
Birth certificate Marriage license Divorce decree Passport
Plan and Tax-Free Savings Account Bank accounts
9. Homeownership
Life insurance policies
Title
Pensions
Property deeds
Stocks/investments
Mortgage papers
Other financial accounts 6. Healthcare Directives (including end-of-life care instructions.)
10. Funeral Plan (service wishes, cremation and burial preferences, etc.)
Keep original documents in a secure place at home or with a lawyer or trust company. Keep a copy of all documents in a safety deposit box.
I know this issue can be confusing, so if you have questions or would like more information, please feel free to reach out to me. I will help connect you with a qualified financial services professional or attorney. Power to Move You
25
SOURCES: 1. canada.ca/en/revenue-agency/services/tax/trust-administrators/types-trusts.html 2. nbc.ca/personal/advice/taxes-and-income/family-trust-advantages.html
FOR SALE | 1/8th ownership
305 - 175 SOUTH GLENWOOD ST JACKSON HOLE, WYOMING, USA
26 26
Powerto toMove MoveYou You Power
This newly-constructed condo boasts natural light and stunning town and mountain views. Light pours through the expansive floor-to-ceiling windows, and the open plan living area includes a relaxing area for gathering around the fireplace and dining table. Head outside to the private deck to enjoy the hot tub and BBQ area. The home is close to the Centre for the Arts as well as many outdoor activities. Photos are renderings and the home will be professionally decorated and fully furnished upon completion. CLICK HERE TO VIEW THIS LISTING
Power to Move You
27 27
How to set your grandchildren up for financial success Many of us enjoy the opportunity to buy baby gifts, yet the cost of that cute outfit, teething toy or set of stacking blocks is surprisingly high for its relatively short period of use. Finding something that will make a difference for years to come can feel elusive. The best gifts are often useful, unique, thoughtful and practical. For many parents and grandparents, the rising costs of education, housing and overall living are raising concerns about their children’s (or grandchildren’s) ability to be financially secure in the future. Here are two gift ideas that will be sure to have a lasting impact on their lives. Fund their future: Many parents are already contributing to a Registered Education Savings Plan for their children, making tax-free, annual payments towards their future education costs. You could help top up this educational fund for a benefit that will
make a big difference in the future. Other savings vehicles include in-trust or bank accounts in your child’s name and Tax-Free Savings Accounts. Provide lifelong support: Many people aren’t aware that whole life insurance can help at key milestones in a person’s life before they pass away, including the ability to access cash for a down payment on a home, for education costs or for a supplement to their income in retirement. That accessible cash grows as you pay the premiums. As policies can be paid off within 10 or 20 years, the children in your life receive financial benefits at no additional cost to them.
Source: https://newscanada.com/en/How-to-set-your-grandchildren-up-for-financial-success
28
PowertotoMove MoveYou You Power
Power to to Move Move You You Power
29 29
FOR LEASE
1291 GLENAYR GATE, OAKVILLE
30 30
Power to Move You to Move You Power
Ready for a hassle-free move? Our fully furnished executive townhome is the perfect solution! Available for a 4-6 month lease starting December 1st. Experience modern living with an open-concept layout, a cozy fireplace, and direct garage access. Enjoy spacious bedrooms with the convenience of an upper-level laundry room.
CLICK HERE TO VIEW THIS LISTING
Power to to Move Move You You Power
31
31
This carefully designed floor plan offers a modern and functional layout with plenty of room for everyone. Savor your morning coffee on the fantastic backyard deck or grill up a storm on the natural gas BBQ. In a highly desirable Oakville neighbourhood of West Oak Trails this fabulous home checks off all the boxes. Don’t let this opportunity for a luxurious shortterm stay slip through your fingers!
32
Powerto toMove MoveYou You Power to Move You Power
Powerto toMove MoveYou You Power
33
33
Toronto Seniors and International Students Become Roommates To Fight Housing Crisis Humber College says over 500 students already signed up on the housing platform. As Canada faces a growing affordable housing shortage, one Toronto-area college is pairing students with seniors in an effort to help find them accommodations as the school year begins. Humber College has announced a partnership with online home share technology platform, Spaces Shared, to pair students looking for accommodation with seniors who have extra space as an affordable housing option. And according to the college, more than 500 students have already signed up. Ian Crookshank, dean of students at Humber College, says students can save money through the pairings, easing the financial pressures they face. “Students could receive a discount if they agree to do certain tasks around the home that might help around the house, like mowing the lawn, doing the dishes, or even just spending time and providing companionship,” he said. Students who sign up for the program can live with hosts and pay through an online platform. Homeowners with vacancies can sign up online, post an ad and connect with students to find a suitable tenant. Humber College isn’t the only school trying to ease housing pressures through pairings with seniors. In April, Georgian College signed up for a similar program with Spaces Shared and another similar online platform, Homestay, to pair domestic and interna-
tional students with local residents in Barrie. Even at colleges without formal programs, some students have been making their own arrangements to stay with seniors. They say there couldn’t be a better living arrangement. When Awofadeju Olajide Simon, a Centennial College student from Nigeria, decided to move to Canada, all of the options he could find were way out of his budget. He was told by friends in Canada it would be easier to find housing from within the country than writing to landlords in Toronto from Nigeria. “It wasn’t. I was stressing out for days,” he said. Fortunately, one of his professors linked him up with an elderly couple, Hubert and Monica Campfens, in Toronto’s east end. The couple has been renting out two rooms and a basement to international students for the past 33 years. They say they like to share the whole house with tenants, and don’t want them to be confined to their rooms. Hubert was a young teenager in Holland during the Second World War. He says his family took in two Jewish people and lied to their neighbours to protect them. He says those years left a deep impact on him
Written by Saloni Bhugra - CBC News Source: https://www.tbrealtygroup.ca/blog/2023/10/30/Toronto-Seniors-International-Students-Become-Roommates-To-Fight-Housing-Crisis 34
Power to Move You
that continued to shape his experiences even after moving to Canada in 1953. “I became concerned, particularly about minorities,” he said. In the last three decades, Hubert and Monica have lived with dozens of international students and immigrants. “It is a blessing. It’s adding a lot to the quality of our life,” Hubert said, adding the couple did not want to be isolated after retirement. “My wife and I have learned a lot,” he said as he continued to share fond memories of former students, including their various jobs, a student finding his partner in the neighbourhood and getting married, to the barbecues in his backyard. “I felt at home,” international student recalls. Simon was eager to meet the Campfens after days of exchanging emails about the rental. “The first thing he did was hug me,” said Simon referring to Hubert. They now cook, listen to music, bike and share stories with each other. “You want to continue being part of the community and to be able to share whatever knowledge and wis-
Power to Move You
dom I have with a younger generation,” Hubert said. As more and more students continue to sign up for a similar housing arrangement, Humber College says it is still looking for hosts. Crookshank says the program will create a “win-win” situation for students and hosts. Finding affordable housing across the country is a challenge for many, he says. But newer international students often find they cannot rent places that require a credit score or a full time job. “And then if you add into that the complexity of being new into an environment... it is a complex situation that we’re grappling with,” Crookshank said. For his part, Hubert is encouraging more seniors with extra space in their homes to open their doors too. “To have international students share time and space with you is really a great contribution and makes your life so much richer than sitting alone,” he said. Simon, meanwhile, says through his conversations with Hubert, he’s learning about the country he wants to call home. “Because what you read on the Internet doesn’t do justice to what you hear from someone who’s experienced all these things,” he said.
35
COMING SOON
206 - 65 PORT STREET, MISSISSAUGA
836
Power to MovePower You totoMove Power MoveYou You
Designed for those who appreciate the finer things in life, this upcoming condo boasts just the right size for a couple to enjoy living by the lake. With views of the lake from your dining room and balcony you will be sure to enjoy your afternoon and evening meals. Stay tuned as we prepare to open the doors to this exclusive opportunity.
CLICK HERE TO VIEW THIS LISTING
Power to Move You
17
37
Can a Reverse Mortgage Save Your Retirement Plans? Home prices continue to rise in Canada and many seniors are wondering how they might convert some of that equity into cash to fund their retirement. The simple solution is to sell and downsize. Get rid of all that old junk you no longer need and move to a smaller, less expensive home and pocket the difference. Another option would be to stay in your home and rent out the basement, maybe put a student in a spare room, or even try some short-term rentals like Air B&B — if there is demand and it is allowed in your location. There is another option which has become increasingly popular, a reverse mortgage. The total outstanding reverse mortgage debt has been growing at 10% or more for the last few years and has now reached $6.7 billion in Canada. What is a reverse mortgage and does getting one make sense? A reverse mortgage allows you to borrow money based on the value of your home, with the home itself being used to secure the loan. Your age and the market value of your home are the two major factors affecting how much you can borrow, but the maximum is 55% of the home value.
You can receive the money as a lump-sum or get a regular payment each month to tide you over. There are no fixed repayment terms or taxes, but there are plenty of setup fees (appraisal, closing & admin fees). Annual interest rates run about 3% higher than a conventional mortgage, so you are currently looking at an eye-popping interest rate of somewhere between 7.5% and 9.9%. Other considerations: you must first settle any other liabilities secured by the home, the home must be your principal residence, and if you move, sell or die, the reverse mortgage needs to be settled.
Source: Enriched Academy Oct 20 2023 38
Power to Move You
Power to Move You
3939
If you are thinking this doesn’t look like a very attractive option from a purely financial perspective, you are probably correct. A home equity line of credit (HELOC) would be a much cheaper loan alternative if you can get one, and selling the home outright would likely make more financial sense. Taking $2500 monthly on a reverse mortgage at 8% for ten tears would cost you over $160,000 in interest and erode your home equity by over $460,000. If you borrowed the same amount ($300,000) but elected to received the money up-front in a lump-sum payment, it would lead to interest accumulation of over $365,000 ten years down the road and wipe out $665,000 of your equity. It’s important to keep in mind that interest rates (there are fixed and variable rate reverse mortgage options) and home values go up and down, so the cost/benefit can vary greatly. While the numbers can be shocking at current interest rates, a reverse mortgage is relatively easy to obtain if you really want to stay in your home. There are situations where a reverse mortgage makes sense. For
40
example, if your elderly parents fell ill and homecare is available, they might be more comfortable staying in their own home. There may also be areas where suitable live-in care facilities are unavailable and staying in their home is the only option. Another situation would be to retain ownership by your estate. Your survivors would have the option to settle the reverse mortgage at the time of your death and keep the home in the family. Reverse mortgages are basically a loan of last resort. If you are pushing 80 and living on a fixed income, it’s one option if you need cash for medical expenses, house repairs, or some other necessity. If you are planning on retiring at 65 and using one to finance your retirement life - think again! Like all financial decisions, make sure to educate yourself so you can analyze the implications and explore all your options before signing on the dotted line. Our suggestion is to speak with your financial planner and your realtor so you can get an unbiased opinion to make the best choice for your individual situation
Power to Move You
Power to Move You
41
SOLD
11 HIGHLAND PARK DRIVE, DUNDAS
42
PowertotoMove MoveYou You Power
Exciting news! The sale of 11 Highland Park Drive is now official. Our clients are absolutely thrilled as they gear up for the next chapter. Working with this wonderful family has been an absolute pleasure. Throughout the entire journey of selling their home, our Client-First Philosophy guided every step. From our initial chat to the grand finale, honesty, skill, and genuine care were our absolute priorities. We made sure everything was crystal clear with our open and transparent approach. When it came to post-inspection talks, our negotiation skills were on point, making the entire process super smooth. We’re dedicated to going above and beyond expectations, and our clients can see and appreciate the extra mile we’re willing to go for them. Cheers to new beginnings!
Power to Move You
43
Herbed Ricotta Stuffed Chicken In White Wine Pan Sauce Keeping things cozy yet healthy with this oven roasted Herbed Ricotta Stuffed Chicken In White Wine Pan Sauce. All served with the creamiest mashed cauliflower. Herb ricotta cheese stuffed chicken, roasted alongside sweet shallots, garlic, and in-season mushrooms. The chicken is finished in a simple white wine and apple cider pan sauce. It’s simple-ish but still mouthwatering. Especially when served over creamy mashed cauliflower hinted with garlic. It’s the autumn dinner everyone will love! INGREDIENTS
1 cup cremini mushrooms, halved, if large
1/2 cup whole milk ricotta cheese
2 tablespoons salted butter
1/4 cup shredded gouda cheese
3/4 cup dry white wine, such as Pinot Grigio or Sauvignon Blanc
2 tablespoons chopped fresh thyme, plus more for serving
1/2 cup apple cider
2 tablespoons chopped fresh sage 1/4 teaspoon ground nutmeg
MASHED CAULIFLOWER
kosher salt and pepper
1 large head cauliflower, cut into florets
4-6 skin-on, chicken breasts (about 2 pounds)
2 cloves garlic, smashed
2 tablespoons extra virgin olive oil
2-3 ounces cream cheese, at room temperature
3 small shallots, halved
4 tablespoons salted butte
4 garlic cloves, smashed DIRECTIONS 1) Preheat the oven to 425 degrees F. Grease an oven-safe skillet with olive oil. 2) In a bowl, combine the ricotta, gouda, 1 tablespoon thyme, 1 tablespoon sage, nutmeg, and a pinch each of salt and pepper. 3) Loosen the skin of the chicken breast with your fingertips. Stuff about 2 tablespoons of ricotta underneath the skin of each breast. Rub the chicken skin with olive oil, season with 1 tablespoon thyme, 1 tablespoon sage, salt, and pepper. Transfer the chicken to the prepared skillet. Arrange the shallots, garlic, and mushrooms around the chicken. Drizzle olive oil over the mushrooms, season with salt and pepper. Transfer to the oven and roast for 20 minutes, until the chicken is cooked. 4) Remove from the oven and place the chicken and mushrooms on a plate. 5) Place the skillet with the shallots and garlic over medium heat. Add the butter. Cook 1-2 minutes, until the butter is browned. Add the wine and cider. Bring to a boil over high heat. Boil 5 minutes, until reduced by half. Slide the chicken and mushrooms back into the skillet, simmer 1 minute. Remove from the heat. 6) Meanwhile, make the mashed cauliflower. Bring a large pot of water to a boil. Add cauliflower florets and cook until tender, 10 minutes. Drain well. 7) In a food processor, combine the cauliflower, garlic, cream cheese, and butter, season to taste with salt and pepper. Pulse until smooth and creamy, about 1 minute. 8) To serve, spoon the mashed cauliflower onto plates. Add the chicken and mushrooms. Then spoon over the pan sauce. Top with fresh thyme. Enjoy! Written by Tieghan Gerard Source: https://www.halfbakedharvest.com/herbed-ricotta-stuffed-chicken/ 44
Power to Move You
Power Power to to Move Move You You
4545
Holding Court
Bringing a Prewar Apartment into the Twenty-First Century When working in a prewar building, people tend toward extremes: either preserve everything or gut renovate. For this East Village apartment in the historic Onyx Court, GRT Architects founding partners Rustam-Marc Mehta and Tal Schori found a way to reminisce on the past without compromising their modern vision. “I would describe our relationship to time periods as an interest in a certain level of detail more than a specific quotation from an era or style,” says Schori. “We did not have fixed points of reference for a given room or element so much as an approach that calls for detail, articulation, and richness of materials.” When the architects first saw the space, the apartment was holding onto an early twentieth-century floor plan, characterized by a kitchen hidden in the back and long hallways wrapping around enclosed rooms. They modernized it by opening up some of those walls, taking advantage of every square foot in
the process. They swapped locations of the kitchen and the primary bedroom, creating a proper heart of the home with the kitchen, dining, and living rooms toward the entrance and a private space to relax in the back. “The owners were looking for a home composed as a series of comfortable rooms rather than a single open space,” says Schori. “Therefore, one of the main goals to support this mood was making a number of changes to the space while improving adjacencies, shared natural light, sight lines, and spatial efficiency.”
Written by Alissa Schulman. Photography by Nicole Franzen Source: https://article.homebydesign.com/pages/article/HBD_OCT_23_06/275454/index.html#
46
Power to Move You
The entrance, a long hallway that recalls the original layout, looks straight through the kitchen, offering a wash of natural light down the corridor through the east-facing windows. Upon entry, visitors are introduced to the arched framing that Mehta and Schori used throughout the space. “The ceiling cove holds a special place for us for the way it both emphasizes the wall to ceiling transition and dematerializes it,” says Schori. They distinguished the kitchen from the entry with low cabinetry, which wraps around the space to offer a sense of a room without necessitating structural walls. Inside, the blonde woodwork meets striking tiling. “We wanted the floor to celebrate pattern and color and pushed this further with a very sculptural block of color as the island,” says Schori. The kitchen walls go quiet to give the tilework space to experiment, and the counters follow suit. The adjacent dining area layers a slightly darker
Power to Move You
wood tone and ochre chairs—two shades that quietly carry into the vibrant living room. “While the sight lines are open from kitchen to dining to living,” says Schori, “a sense of rooms is clearly suggested with colour, framing, lighting, and floor finishes.” Conversely, Mehta and Schori closed sight lines into the bedroom, situating it as far away from the home’s shared spaces as possible. Here, they departed from their colour studies to offer a peaceful space dressed in neutral shades of tan and cream. “The design of the bedroom was conceived as a quieter version of the millwork we used elsewhere,” says Schori. It’s that persistent point of view—informed by the past, yet distinctly theirs—that elevates this home into the modern era. “We love that you can’t name the style or look,” says Schori, “that the design evolved from a love of materials and detailing and benefited from a lack of preconceived notions.”
47
Smoky Harvest Apple Cider Margarita Smoky Harvest Apple Cider Margarita, my favorite quick and easy, but oh so warming fall margarita. Smoky mezcal (or tequila) mixed with a splash of orange liquor, spiced apple cider, a touch of citrusy lime, and sweet maple. This autumn harvest margarita is a cozy take on the classic, and the perfect warming fall cocktail to sip on with friends and family. Finish this smoky margarita off with fresh rosemary, apple slices, and a smoking cinnamon stick for that extra special touch. INGREDIENTS Cinnamon sugar and flaky sea salt, for the rim 2 ounces mezcal or silver tequila 1/2 ounce orange liquor 4 ounces (1/2 cup) apple cider juice from 1/2 a lime 1-2 teaspoons maple syrup use more or less to your taste apple slices and cinnamon sticks, for serving DIRECTIONS STEP 1. If desired, rim your glass in salted cinnamon sugar. Mix equal parts cinnamon sugar and sea salt. Run a lime wedge around the rim of the glass and coat in sugar. STEP 2. Combine the mezcal or tequila, orange liquor, apple cider, lime juice, and maple in a cocktail shaker. Add ice and shake to combine. Strain into the glass. Garnish with apple slices, rosemary, and cinnamon sticks. If desired light the cinnamon on fire for a smoky effect. Prep time 5 minutes | Makes one drink
Written by Tieghan Source: https://www.halfbakedharvest.com/smoky-harvest-apple-cider-margaritas/
48
Power to Move You
Power to Move You
4949
OUR AGENTS FAVOURITES
Theresa recommends Jurassic World Exhibit In Mississauga
Our recent family trip to Jurassic World Exhibit in Mississauga was an extraordinary journey back in time. The exhibit expertly guided us through the evolution of dinosaurs in chronological order, with each room dedicated to a specific type. The attention to detail was remarkable, providing an educational and visually stunning experience. A highlight was watching my granddaughter, who was initially frightened by the lifelike depictions, gradually find the courage to interact with the baby dinosaurs. The seamless transition between rooms, coupled with well-orchestrated lighting, created a thrilling ambiance. The exhibit’s scientific accuracy and immersive elements make it a must-visit for families and dinosaur enthusiasts. I highly recommend Jurassic World for a captivating adventure and educational outing for you and your family.
50
Power to Move You
OUR AGENTS FAVOURITES
Lindsay recommends Langdon Hall In Cambridge
My stay at Langdon Hall was an experience beyond compare. From the moment I arrived, I was enveloped in the timeless charm and opulence of this magnificent country estate. The historic architecture and lush gardens create an enchanting backdrop that sets the stage for a truly unforgettable getaway. The restaurant boasts a culinary program that is truly exceptional. The dishes are not only visually stunning but also bursting with flavour, often incorporating locally sourced and seasonal ingredients. The wine list is extensive, offering an impressive selection to complement your meal. I have had the pleasure of staying in several of the Main House rooms, The Rose Suite and the Attic Suite over the years and all were luxurious and inviting, with a wood-burning fireplace and elegant bedding creating the perfect cozy retreat. It is the ideal choice for a special occasion, a romantic weekend, or even a midweek escape. It’s the epitome of luxury and a destination that I wholeheartedly recommend to anyone seeking a truly remarkable experience.
Power to Move You
51
When you put others first, you will never be second We are on a mission to raise $10,000 for CAMH (Centre For Addiction And Mental Health) and CADDAC (Centre For ADHD Awareness Canada). It is without a doubt that ADHD and mental health issues are common in our community and continue to be a contributing cause of death around the world. The Centre for Addiction and Mental Health is a psychiatric teaching hospital located in Toronto and ten community locations throughout the province of Ontario. At CAMH, it’s their goal to provide hope and a path toward recovery from mental illness and substance use for anyone in need. There are approximately 2 million individuals affected by ADHD in Canada. Individuals, families, and parents with children are left scrambling to cope, figuring out how and where to get support for their ADHD. As well, they are trying to figure out how to pay for expensive programs. CADDAC is a national charity that improves the lives of Canadians affected by ADHD through awareness, education, and advocacy. Our families have been directly affected by ADHD and Mental Health issues so in hopes that one day no one else will have to experience the angst of dealing with ADHD or any kind of addiction or depression, we have chosen to donate a portion of our professional fees to these charities. As well, when you refer a friend or family member to our team not only will they receive award-winning service, but they will also be contributing to these extremely worthy causes. Together we can help calm minds and ensure that everyone gets the support they need. We encourage you to visit both of their websites at www.camh.ca and www.caddac.ca and check out the incredible work they are doing in our community and beyond!
52
Power to Move You
Power to to Move Move You You Power
5353
Santa Claus Parades The Original Toronto Santa Claus parade is on Sunday, November 26th at 12:30pm. The Mississauga Santa Claus Parade is on Sunday, December 3rd at 12:00pm and the Burlington Santa Claus Parade is on the same day starting at 2:00pm. 54
Power to Move You
Join in the fun and celebrate the beginning of the holiday season!