How to Cook In a Small Kitchen
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<table role=”presentation” cellspacing=”0″ cellpadding=”0″ border=”0″ width=”510″ class=”sym_icol_table” style=”width: 510px;”>
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<div data-region=”richtext” class=”bodyText” style=”color: #252526; font-family: Arial; display: block; font-size: 14px; hyphens: auto; letter-spacing: 0px; line-height: 1.4em; overflow-wrap: break-word; white-space: normal; word-break: normal;”><p align=”center” style=”font-size: 14px; margin: 0px; padding: 0px;”><strong><u><span style=”font-size: 26px;”>The Power of Steam Cleaning</span></u></strong></p><p align=”center” style=”font-size: 14px; margin: 0px; padding: 0px;”><strong><u></u></strong><br></p><p align=”center” style=”font-size: 14px; margin: 0px; padding: 0px;”>You may have thought about using steam to clean your carpets, but with the right tools, steam cleaning can be used all over your home. With the right tools, you can turn your cleaning routine into a breeze, with less chemicals in the mix. Read below for ways that steam cleaning can totally revolutionize how you think about your cleaning chores.</p></div></td>
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<div data-region=”richtext” class=”bodyText” style=”color: #252526; font-family: Arial; display: block; font-size: 14px; hyphens: auto; letter-spacing: 0px; line-height: 1.4em; overflow-wrap: break-word; white-space: normal; word-break: normal;”><p style=”font-size: 14px; margin: 0px; padding: 0px;”><strong>Take a steam cleaner to your stovetop</strong></p><p style=”font-size: 14px; margin: 0px; padding: 0px;”>If scrubbing at grease stains isn’t your idea of a fun time, cut your kitchen cleaning time by using a steam cleaner with a nozzle attachment on your stovetop! It’s a lifesaver for stubborn food buildup and can easily take care of your stove and the backsplash which may have it’s fair share of spills and splatter.</p></div></td>
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<table role=”presentation” cellspacing=”0″ cellpadding=”0″ border=”0″ width=”510″ class=”sym_icol_table” style=”width: 510px;”>
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<td class=”sym_icol_cell” align=”left” style=”border-width: 0px; padding: 0px;”>
<div data-region=”richtext” class=”bodyText” style=”color: #252526; font-family: Arial; display: block; font-size: 14px; hyphens: auto; letter-spacing: 0px; line-height: 1.4em; overflow-wrap: break-word; white-space: normal; word-break: normal;”><p style=”font-size: 14px; margin: 0px; padding: 0px;”><strong>Get your bathroom floors to sparkle</strong></p><p style=”font-size: 14px; margin: 0px; padding: 0px;”>If you like a clean bathroom floor but struggle with hard to reach nooks and crevices around your toilet or tub, steam cleaners are easy to maneuver into tight spaces. Plus, they work wonders on tile and vinyl, so your bathroom floor will shine in no time!</p></div></td>
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<table role=”presentation” cellspacing=”0″ cellpadding=”0″ border=”0″ width=”510″ class=”sym_icol_table” style=”width: 510px;”>
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<td class=”sym_icol_cell” align=”left” style=”border-width: 0px; padding: 0px;”>
<div data-region=”richtext” class=”bodyText” style=”color: #252526; font-family: Arial; display: block; font-size: 14px; hyphens: auto; letter-spacing: 0px; line-height: 1.4em; overflow-wrap: break-word; white-space: normal; word-break: normal;”><p style=”font-size: 14px; margin: 0px; padding: 0px;”><strong>Clean your oven without harsh chemicals</strong></p><p style=”font-size: 14px; margin: 0px; padding: 0px;”>Scrubbing an oven can be time intensive and uncomfortable when inhaling the fumes of harsh cleaners. A stiff brush attachment on a steam cleaner works magic on build up and stains, leaving your oven as good as new, and you without an aching head.</p></div></td>
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<table role=”presentation” cellspacing=”0″ cellpadding=”0″ border=”0″ width=”510″ class=”sym_icol_table” style=”width: 510px;”>
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<td class=”sym_icol_cell” align=”left” style=”border-width: 0px; padding: 0px;”>
<div data-region=”richtext” class=”bodyText” style=”color: #252526; font-family: Arial; display: block; font-size: 14px; hyphens: auto; letter-spacing: 0px; line-height: 1.4em; overflow-wrap: break-word; white-space: normal; word-break: normal;”><p style=”font-size: 14px; margin: 0px; padding: 0px;”><strong>Don’t forget the grouting </strong></p><p style=”font-size: 14px; margin: 0px; padding: 0px;”>You may have shining shower tiles, but how about the grout in between? With a steam cleaner, you can focus specifically on the small tracks between your tiles and make sure no detail in your bathroom is too small to take care of.</p></div></td>
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<a href=”https://heartysol.net/the-best-homemade-all-purpose-cleaner/” target=”_blank” style=”font-size: 12px; font-family: Arial, Helvetica, Arial, Verdana, Trebuchet MS; color: #FFFFFF; border-radius: 10px; padding: 10px; border: 1px solid #00AAC3; display: inline-block; text-align: center; text-decoration: none;”><span style=”color: #FFFFFF;”>Get DIY Project Here</span></a></td>
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<a href=”https://www.feastingathome.com/shrimp-pasta/” target=”_blank” style=”font-size: 12px; font-family: Arial, Helvetica, Arial, Verdana, Trebuchet MS; color: #FFFFFF; border-radius: 10px; padding: 10px; border: 1px solid #00AAC3; display: inline-block; text-align: center; text-decoration: none;”><span style=”color: #FFFFFF;”>Get Recipe Here</span></a></td>
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href=”https://www.istockphoto.com/photo/water-damage-to-ceiling-gm944573352-258020666?utm_campaign=srp_photos_bottom&utm_content=https%3A%2F%2Funsplash.com%2Fs%2Fphotos%2Fwater-leak&utm_medium=affiliate&utm_source=unsplash&utm_term=water+leak%3A%3A%3A” style=”color: #A2A2A2;”></a><a href=”https://www.pexels.com/photo/potted-green-indoor-plants-3076899/” style=”color: #A2A2A2;”></a><a href=”https://www.istockphoto.com/photo/cleaning-kitchen-hob-with-a-steam-cleaner-gm1219641450-356823695″ style=”color: #A2A2A2;”>Image 1</a>, <a href=”https://www.istockphoto.com/photo/steam-cleaner-for-the-bathroom-steam-escapes-from-the-tube-home-cleaning-equipment-gm1775736393-546281699″ style=”color: #A2A2A2;”>Image 2</a>,<a href=”https://www.istockphoto.com/photo/cleaning-oven-clean-oven-in-kitchen-gm910814628-250815993″ style=”color: #A2A2A2;”> Image 3</a>, <a href=”https://unsplash.com/photos/blue-wall-bricks-VCKYuQ6R-28?utm_content=creditCopyText&utm_medium=referral&utm_source=unsplash” 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The Power Of Steam Cleaning
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Understanding Oxford County’s Affordable Home Ownership Program

Understanding Oxford County’s Affordable Home Ownership Program
While we recently outlined the advantages of the First Time Home Buyer Incentive, as a first-time homebuyer in Oxford County, you may be able to access other funding sources.
Oxford County delivers the Affordable Home Ownership Program on behalf of both the federal and provincial governments. If your household income is $92,700 or less and you’re currently renting in Oxford County, you may be eligible to receive a down-payment assistance loan of 5% of the purchase price of an eligible home – to a max of $21,000.
Unlike the First Time Home Buyer Incentive, with this program, you don’t need to match or exceed the down payment yourself – the loan covers your down payment.
Under the program, you can buy a single-family home, a semi-detached, a townhouse (condo or freehold), a row house, or a condo apartment. The home must be located in Oxford County and have a maximum purchase price of $425,000. It includes new construction and resale.
The loan is interest-free. And it’s forgivable after 20 years. So if you live in the home for 20 years or more, you don’t have to pay it back.
Of course, 20 years is a long time, and there’s a good chance you’ll sell sooner than that. If you do, the terms are similar to those of the First Time Home Buyer Incentive. You pay back the principal, plus 5% of the capital appreciation of the house (effectively 5% of the home’s value, as with the FTHBI). If the house increases in value by $40,000, you pay back the loan plus $2000. (If the house decreases in value, the terms are better than with the FTHBI. The loan takes the hit for the decrease [capital loss] – the loss is subtracted entirely from the loan amount, and if it’s more than the loan amount, the loan’s forgiven.)
Additional features and benefits of Oxford County’s Affordable Home Ownership Program
You may have a parent or another party who is not living in the home guarantee your first mortgage. However, due to the terms of the loan, you cannot have a guarantor on title, nor can you have a co- signer on title that will not be living with you in the home.
Affordable Home Ownership Program approval and mortgage insurance underwriting approval are two separate processes. In some cases, households may be approved by the County under this program, but may not be eligible for a mortgage or mortgage insurance.
You’re not required to use Canada Mortgage and Housing Corporation (CMHC) insurance; however, CMHC will waive the usual surcharge for extending the amortization period to 25 years. And CMHC considers the down payment assistance as your equity in its underwriting evaluation.

Are you eligible for the Affordable Home Ownership Program in Oxford County?
Beyond the income qualification, to be eligible, you need to
- be able to qualify for a mortgage;
- be at least 18 years old and currently renting in Oxford County;
- not currently own or have an interest in (partial ownership of) a home;
- not owe money to a community housing landlord;
- be a legal resident of Canada;
- agree to live in this home as your one and only residence (you cannot transfer or lease it to someone else);
- hold less than approximately $40,000 in household assets; and,
- be purchasing a home with a value of less than $425,000. Attend your bank or visit a mortgage lender to determine if you qualify for a mortgage. A mortgage pre-approval letter is required to be eligible for the program.
More details from Oxford County on the Affordable Home Ownership Program
Oxford County’s Affordable Home Ownership Program may be the solution you’ve been looking for to break into the housing market. I’d like to help you take advantage of this valuable program and put you in your own very first home.
Don’t forget to download your free First Time Homebuyers Guide.
Image by Drazen Zigic on Freepik
First time homebuyers: Discover the best places to buy a house in Oxford County

First time homebuyers: Discover the best places to buy a house in Oxford County
Ingersoll, Woodstock, and Tillsonburg are affordable, accessible, and friendly places to look for your first home
For first-time homebuyers, deciding where to set down your roots means you need to consider not just affordability, but amenities and community spirit. Oxford County boasts a lot of charming communities, each with its own unique appeal. But Ingersoll, Woodstock, and Tillsonburg emerge as standout choices for first-time homebuyers. And Thamesford has added new developments in response to the lack of affordable housing.
Let’s talk dollars and cents. While Mount Elgin and Drumbo, for example, have their own allure, the housing markets in these areas may present challenges for those entering the real estate landscape for the first time. The newer subdivisions in the smaller towns are definitely aimed at higher end buyers – you can’t touch a new build in Mount Elgin or Drumbo for under a million! In contrast, Ingersoll, Woodstock, and Tillsonburg offer a range of housing options at various price points, providing more opportunities for budget-conscious buyers to find their dream home.
Woodstock, in particular, stands out for its diverse housing market. From historic homes with character to modern developments, Woodstock caters to a wide range of preferences and budgets. First-time buyers can explore neighborhoods like Old North, known for its tree-lined streets and Victorian architecture, or opt for more contemporary options in newer subdivisions. This variety ensures that you can find a home that aligns with your vision and financial goals.

Accessibility also positions Ingersoll, Woodstock, and Tillsonburg as attractive choices for first-time homebuyers. These communities are strategically located, with easy access to the major highways and transportation networks. This makes it easier to commute to nearby urban centers for work and to enjoy the natural beauty and recreational opportunities that Oxford County has to offer.s.
One of the first things you’ll notice is the sense of community in Ingersoll, Woodstock, and Tillsonburg; newcomers tell me time and again that they find all three welcoming and warm. These towns host a variety of community events, festivals, and markets, fostering a strong sense of belonging. You can expect to become part of tight-knit communities where you know your neighbors by name.
Narrowing down your search gets you closer to that amazing feeling of moving into your first house. I’d love to help you refine your search for your dream home even more.
Don’t forget to download your free First Time Homebuyers Guide.
4 smart financial moves to wrap up 2023 and thrive in 2024

4 smart financial moves to wrap up 2023 and thrive in 2024
As tempting as it is to leave your year-end financial to-dos until after the holidays, you’re better off getting them started now.
Here are nine things to do to improve your financial life as the year winds down and you gear up for 2024.
1. Tweak your investments.
Meet with your tax and financial planners to review your financial picture, especially if you’re considering retirement soon. See how your portfolio is performing, set your savings targets, and adjust your portfolio based on your tax needs and short- and long-term goals. You may find that you’re in terrific financial shape, that you need to be a more aggressive saver, or that you need to adjust your investments to be sure they’re in line with your risk tolerance. Here are some tips for picking the right advisor.

2. Review your will and estate plans.
If you don’t have a will — half of Canadian adults don’t have one, says Angus Reid — create one. Furthermore, review who you’ve named as your medical and financial power of attorney to decide if they are still the right people for the job.
3. Consider your aging plans.
Consider how and where you want to age, and if you plan to stay in your house, think about how suitable it is for aging in place. Here’s a checklist to help you figure out what changes you may need to make, or what to look for in a new home in which to enjoy your retirement years.
4. Prep for tax deadline.
Consider how and where you want to age, and if you plan to stay in your house, think about how suitable it is for aging in place. Here’s a checklist to help you figure out what changes you may need to make, or what to look for in a new home in which to enjoy your retirement years.
A guide to choosing a home where you can age in place

A guide to choosing a home where you can age in place
As we age, the ability to remain in the comfort of our own home becomes increasingly important. Aging in place, or the ability to live independently and comfortably in your own home as you grow older, is a goal for many seniors. To make this a reality, it’s crucial to choose a home that is conducive to aging gracefully. In this article, we will explore the key factors to consider when selecting a home for aging in place, along with a handy checklist to ensure you make the right decision.
1. Single-Story Living
One of the most important features for aging in place is a single-story floor plan. Stairs can become a significant obstacle as mobility decreases with age. A single-story layout minimizes the risk of falls and makes it easier for seniors to move around the house without the need for stairs.

2. Bathroom Accessibility
Bathrooms are potential danger zones for seniors. Look for homes with accessible bathrooms that include features like grab bars, non-slip flooring, and a walk-in shower with a built-in seat. These modifications enhance safety and ease of use for individuals with limited mobility.
3. Wide Doorways and Hallways
Narrow doorways and hallways can be challenging for those using mobility aids such as walkers or wheelchairs. When searching for a home, prioritize properties with wide doorways and hallways to ensure easy navigation for individuals with mobility devices.
4. Open Floor Plans
An open floor plan can enhance accessibility and create a more inclusive living space. It allows for easier movement between rooms and can accommodate mobility aids, making daily activities more manageable for seniors.
5. Low-Maintenance Exteriors
Choose a home with low-maintenance exteriors to cut down the time and efford of regular upkeep. Features such as vinyl siding, minimal landscaping, and easy-to-maintain outdoor spaces reduce the physical strain of maintaining the property.
6. Ample Lighting
Good lighting is essential for seniors, as it reduces the risk of falls and enhances visibility. Look for homes with ample natural light and install additional lighting fixtures where necessary. Well-lit spaces contribute to a safer and more comfortable living environment.
7. Lever-Style Door Handles and Faucets
Replace traditional doorknobs and faucets with lever-style handles. These are easier to grasp and turn, making them more user-friendly for individuals with arthritis or limited hand strength.
8. Non-Slip Flooring
Flooring choices play a crucial role in preventing slips and falls. Opt for non-slip flooring materials in key areas such as the kitchen and bathrooms. Rugs with non-slip backing can also enhance safety.
9. Accessible Kitchen Design
Aging in place requires a kitchen that is both functional and accessible. Consider features like lower countertops, pull-out shelves, and easy-to-reach storage to create a senior-friendly kitchen.
10. Home Security Systems
Investing in a reliable home security system can provide peace of mind for both seniors and their caregivers. Look for systems that include emergency response features and monitoring to ensure prompt assistance in case of an emergency.
Checklist for choosing a home for aging in place:
- Single-story floor plan
- Accessible bathrooms with safety features
- Wide doorways and hallways
- Open floor plan for easy navigation
- Low-maintenance exteriors
- Ample natural and artificial lighting
- Lever-style door handles and faucets
- Non-slip flooring in key areas
- Accessible kitchen design
- Reliable home security system
Selecting a home for aging in place is a significant decision that requires careful consideration of various factors. By prioritizing features such as accessibility, safety, and convenience, you can create a living space that allows you to maintain your independence and quality of life as you age.
As an accredited Seniors Real Estate Specialist (SRES®), I can take a load off your shoulders by helping you find a house that will suit you now – and for many years into your retired life in Oxford County. Learn more about how I can help.
How the First Time Home Buyer Incentive can help you with a mortgage on your first home in Oxford County

How the First Time Home Buyer Incentive can help you with a mortgage on your first home in Oxford County
As a first-time homebuyer, you’re up against two big obstacles.
First, you need cash available for your down payment. And then you need to be prepared to handle your monthly mortgage payments.
Normally, you can put down as little as 5% on a house with a purchase price of $500,000 or less. Above that, you need 10% for the amount up to $999,999. (We won’t even talk about going beyond that!)
Let’s say you have your eye on a house you can get for $530,000. You’d need $25,000 (5% of $500,000) plus $3,000 (10% of $30,000) – a grand total of $28,000. That leaves you with a mortgage of $502,000.
Free up cash and lower your monthly mortgage payments with this government program
What if there was a way you could decrease your down payment AND reduce the amount of your mortgage – reducing your monthly payments?
Enter the First Time Home Buyer Incentive (FTHBI).
If you qualify, you only need to put down 5% of the TOTAL: so $26,500. Then the Canadian Mortgage and Housing Corporation (CMHC) matches that with another $26,500 for a total downpayment of $53,000.
You’ve saved $1500 on your down payment. And your mortgage is a lot less at $478,000 – as are your monthly payments! Better yet, you don’t make regular payments to the government for that $26,500, and you don’t pay any interest on it.
What’s the catch?

First Time Home Buyer Incentive Government Mortgage Program – the fine print
If this sounds too good to be true, understand that it’s not free money. The CMHC downpayment is a “shared-equity mortgage”. That means that while you don’t pay front-loaded interest, as you do on your regular mortgage, when you sell your house (or in 25 years, whichever comes first), CMHC takes proportionate amount of the selling price or the home’s value. If they contributed 5% for the downpayment, they get 5% of purchase price when you sell. (They cap the repayment based on an 8% increase or decrease on your home’s value per year.)
If you sell the house a few years down the road for $600,000, $30,000 goes to the CMHC. (If the market dips and you have to sell for less, the government still gets 5%, though in this case it would be less than the original loan.)
Beyond this, the First Time Home Buyer Incentive limits the amount of the regular mortgage to four times your income. And you’re only eligible for this incentive if your household income is $120,000 or less (thus the price we came up with for the house in our illustration.)
Finally, the purchase price of the house can’t be more than $722,000. (In this scenario, you’d obviously need to put down more than 5% yourself to keep the mortgage within the limits.)
The income and loan max are based on buying outside of Toronto – in beautiful Oxford County. But while $722,000 won’t get you much in the city, it’s a whole different story in Woodstock, Ingersoll, Tillsonburg, Thamesford, and other communities in our area.
I’d love to help you discover how the First Time Home Buyer Incentive can help you into your own first home in Oxford County more quickly – and a lot more affordably.
Don’t forget to download your free First Time Homebuyers Guide.