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Crispy Honey Nut Granola Bars

Crispy Honey Nut Granola Bars Ingredients  1½ cups old-fashioned rolled oats  1 cup walnuts , chopped ½ cup almonds, chopped ⅔ cup unsweetened shredded coconut ½ cup honey  3 tbsp light brown sugar  2 tbsp unsalted butter 1½ tsp vanilla extract  ¼ tsp salt 1 cup crisp rice cereal  ¾ cup dried fruit  (like cranberries, cherries, or apricots)  Instructions 1. Toast the dry mix.   Preheat oven to 350°F (175°C). Spread oats, walnuts, and almonds on a foil-lined baking sheet. Toast for 7 minutes.  Add coconut, toss, and toast for another 4–5 minutes until golden. 2. Make the honey binder.   In a saucepan, combine honey, brown sugar, butter, vanilla, and salt. Bring to a rapid boil over medium-high heat, then remove from heat. 3. Mix it all together.   In a large bowl, combine the toasted oat mixture, honey mixture, rice cereal, and dried fruit. Stir until evenly coated. 4. Press and bake .  Line a 9x13-inch baki...
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New home buyers in trouble as mortgage rates soar

Some buyers who purchased preconstruction homes are finding themselves unable to close on their properties due to rising mortgage rates and stricter lending rules. As a result, they are resorting to selling their contracts to other buyers at a discount, or even giving up their deposits and facing legal risks.

According to Robert McLister, an interest rate analyst and mortgage strategist, this trend is creating opportunities for bargain hunters who are looking for assignment deals. These are transactions where the original buyer transfers their rights and obligations to a new buyer before the home is completed.

However, assignment deals are not without challenges and costs. Both assignors and assignees need to get approval from the builder, pay fees and taxes, and secure financing. Moreover, they need to be aware of the market conditions and the potential risks of flipping or renting out the property.

McLister advises buyers to start evaluating their options early and seek professional help from a tax-savvy accountant, a mortgage broker, and a real estate lawyer. He also suggests that buyers should monitor the bond yields and the Bank of Canada’s rate decisions, as they may affect the future demand and prices of new homes.

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