I am really happy to receive this. It has been a very busy year with a strong burst in the spring and a slowing finish towards the end of the year. Interest rates really do have an effect on the economy and the Realty market is no different. When interest rates go up client’s affordability goes down and if you already own and are on a variable mortgage with non-static payments these monthly fees definitely can have an impact on your wallet. In times like these look for the silver lining especially in the Realty market. It really can make a difference. My clients are proof of this. I would like to thank all my buyer and seller clients! I very much appreciate your trust in me and I work very hard to make sure you have the best representation! I love this job and I wouldn’t trade for any other!