Mike & Bernadine Nielsen

Mike: 604-315-3151 |

Bernadine: 604-619-3150 |

December is a time to celebrate the year that has gone by and make 
plans for the year ahead. 
What are your plans for 2014?
Perhaps you’re thinking about making some changes around your home? 
Are you planning some repairs, a room remodelling, or a renovation of 
some kind?
If so, I may be able to help. As an active REALTOR® in the area, I can 
refer you to many reputable contractors and other local “home industry” 
businesses my clients or I have used in the past. Give me a call. 
If on the other hand, you have plans to move in the coming year, or 
you’re just entertaining the idea, contact me. I’d be happy to answer your 
questions and give you an idea of what’s possible.
Of course, you may not have any plans at all regarding your home for 
2014. If that’s the case, know that I’ll always be available to you should 
something come up – as I am for all my valued clients. 
Watch Out For
Expirations and Price Increases!
 
December 31st is a common “anniversary 
date” for business services.
For example, many programs and services 
expire at the end of a calendar year. So, 
it’s a good idea to check and see if any 
expiration dates will impact you.
Many company contracts for services or 
subscriptions automatically renew if you 
don’t do anything. So if you’ve signed-up 
for something you no longer want, be sure 
to notify the company in writing to let them 
know you wish to cancel. Note that there is 
often a notice period before which you will 
need to have notified the company. Check 
your contract details.
Businesses also use the end of the year 
to increase prices. Check your mail and 
email for notifications such as, “As of 
December 31, 2013, our standard fee 
will increase by...”. Some companies, 
including banks, will send these notices 
out weeks in advance. If in doubt, contact 
the company directly. 
You should always know, in advance, 
the cost and terms of the products and 
services you use regularly
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