Happy 9th Birthday, Lila Lou!
  
Our precious little Lila turned 9 years young this month!
When we got her, we were told she was a "brat" and was very verbal. Boy, is that true! She has no problem telling us exactly what she wants and is unlikely to stop until she gets it. She teaches us the value of persistence every single day. Despite that, or maybe because of it, we think she's just perfect.
Happy Birthday, Lila Lou!
Mortgage Renewal Challenge
Over the next two years, more than 4 million mortgages—around 60% of all outstanding mortgages—are set to renew. A large share of these mortgages haven't come up for renewal since interest rates began rising in 2022. Even with recent rate declines, most borrowers will likely face noticeably higher payments.
Higher payments could lead households to cut back on spending more than anticipated, potentially slowing the economy. They could also create financial stress for borrowers and result in losses for lenders and mortgage insurers.
If your mortgage is coming up for renewal, don’t wait until the last minute to explore your options. Starting early gives you a better chance of securing a favourable outcome. Reach out to us, and we will help you review and compare the available options. We are always here to help!
The Best Apple Pie
We always have an apple pie on our holiday table. Michelle makes it just like her Grandma Lou taught her, with no measurements, and it might be the best apple pie ever.
Her secret is no secret, the best crust is made from lard and the recipe is right on the Tenderflake box. Fill with a bunch of thinly sliced apples, (we are lucky enough to have an apple tree in our yard, but any good baking apples will do), add about a cup of sugar, around a teaspoon of cinnamon, a whole bunch of little butter nubbins all over the top and a couple heaping tablespoons of flour, pop on the top and don't forget to add lots of vent holes. Bake for about an hour until golden brown. Delish!
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