Dec 2014 Issue 106

WHAT’S INSIDE:HOMES FOR SALE | PAGE 3Hamilton, Stoney Creek, Ancaster,Dundas & Glanbrook

LUXURY & WATERFRONT | PAGE 9

HOMES FOR SALE | PAGE 5Grimsby, Lincoln, West Lincoln & Niagara

RENTALS | PAGE 8

First Time Buyers are aMajor Market ForcePAGE 6

December 2014 - Vol 71

NO COST • NO OBLIGATIONNO COST • NO OBLIGATIONHOME EVALUATIONHOME EVALUATION

905-575-7700 905-945-0188905-575-7700 905-945-0188

Rob GolfiSales Representative

www.GolfiTeam.com

about Rob Golfi

Rob’s career in real estatebegan in October 1997and putting the needs of

his clients first has always beena primary principle. Rob joinedRE/MAX Escarpment January1st 1999. As his career grewand with changing times in themarketplace, Rob realized thatthe team concept was the nextstep in order to maintain thesame level of service that hisclients had come to expect.

Hence, “The Golfi Team” was formed, comprised of aselect group of individuals who work well together andshare Rob’s team philosophy. In 2003, the teamreceived the prestigious honour of being in the top 100Real Estate Teams for RE/MAX Canada*. And this sta-tus continues to date*. Rob has received every majoraward available at RE/MAX including the DiamondClub (2010-2012)*, 100% Club (1999-2001)*, PlatinumClub (2002)*, Chairmans Club (2003-2009)*, Hall ofFame (Inducted in 2003)*, and the LifetimeAchievement Award (Inducted in 2006)*, Circle ofLegends (2013).*

Rob’s experience and aggressive negotiating skills arekey in this business. Any agent can list your house, butRob’s knowledge and ability to negotiate constructive-ly gives his clients peace of mind in dealing with the sin-gle most important investment in their lives.

Rob has an extensive marketing background thatcompliments his real estate career. He has achieved animpressive visual identity in the market place. Rob alsoprides himself on his ability to stay current with in theindustry and to remain competitive in the marketplace.His hard work and dedication has awarded him thehonour of consistently ranked in the Top 5 of nearly2500 sales agents in the Hamilton-Burlington andNiagara Area since (2003).** Currently (2013)* Rob isranked Number 1 in transactions sales ends in theHamilton-Burlington and Niagara Area.

“Each client is always treated with First Class Service.”

*Based on RE/MAX Ontario Atlantic Canada annual commission criteria

**Based on The Real Estate Association of Hamilton-Burlington total transac-

tions January 1, 2003 – March 31, 2013.

Page 2 The Golfi Team Real Estate Market Watch December 2014

visitwww.GolfiTeam.comCheck out our Blog for the latest

information in Real estate

where the future takes shape

Seniors Real Estate Specialist is a designation for RealTORS® to address the

needs of home buyers and sellers, age 50-plus.

Rob GolfiSaleS RepReSenTaTive

905-575-7700

If you are buying or selling a home,

contact Rob Golfi today.

We SELL more...

because we DO more!

ROB GOLFISaleS RepReSenTaTive

www.GolfiTeam.com | 905.575.7700 | 1.800.288.9184

SHarOn

StaFFOrD

HanS

MarCELISSEn

ErIC

PInI, B.a.

WEnDY

MUrraY-

nICHOLSOn

LaUra

BIELak

MIkE

MCnEIL

Dan

GOLFI

JEnnIFEr

DraHO

PEnnY

CIarDELLI

Hank

BaLFOOrt

JEFF

GOLFI

THE ULTIMATE

SELLING TEAM

Hamilton, Stoney CreekAncaster, Dundas & Glanbrook

Call Today 905-575-7700

December 2014 The Golfi Team Real Estate Market Watch Page 3

STONEY CREEK $369,90018 Rose Crescent

ONE FLOOR HOME in a quiet neighbourhood of StoneyCreek! Feat. hardwood floors, central vac, finished recroom w/full bath, concrete paved driveway, beautifullylandscaped w/fully fenced yard plus 18 ft. above groundpool. Updates incl: roof, windows, doors, central air.

$1,477 per/mth P&I / O.A.C.

STONEY CREEK $259,90081 Kilbourn Avenue

Great starter or retirement home! Bungalow in desirableCherry Heights neighbourhood in Stoney Creek. Updatesinclude: new windows and kitchen along with newer floorson main level and furnace 2006.


HAMILTON CTR $246,90027 Frederick Avenue

Great starter home near Centre mall, Tim Hortons field,transportation and elementary school. Featuring a doublestamped concrete drive and walkway and great deck. Drop-down stairs for attic storage, updated kitchen, laminateflooring and partially finished basement with finishedlaundry room.

$986 per/mth P&I / O.A.C.

STONEY CREEK $249,900338 Barton Street

First Time Buyers! Ready to move in. Home features 3+1bedrooms, renovated bathrm, updated windows, hardwdflooring, new kitchen backsplash, new roof 2013, newerfurnace & completely fenced-in backyard. Don’t wait!.


HAMILTON EAST $269,900423 Osborne Street

GORGEOUS RENOVATED BUNGALOW! HickoryHardwood & porcelain tile throughout. Stylish new kitchenw/high end sinks, faucets, caesarstone counters & glassbacksplash. Huge recrm & lots of storage. Close to Red Hill,QEW and waterfront. Move in ready, quick close available!


Rob Golfi*

STONEY CREEK $399,900723 Ridge Road

BEAUTIFUL ESCARPMENT VIEWS! Prime location onRidge Road, close to all amenities. This property has a homesuitable for renting or building your dream home. Buyer tosatisfy themselves with building permits & costs.


HAMILTON EAST $949,9001087 Beach Boulevard

TRENDY BEACH BLVD – Spectacular & luxurious bestdescribes this awesome beauty! Executive free holdtownhome on waterfront trail with top quality finishesthrough-out, quartz, marble, porcelain, crown moulding, andoversized terraces, steps away to downtown Burlington &quick access to QEW


WATERFRONT

STONEY CREEK $649,90028 South Meadow Crescent

LAVISH FROM TOP TO BOTTOM! Custom built, eleganthome boasts pride of ownership throughout. This 2 storeyhome sits on 54x145 ft lot and features family size kitchenw/granite counters & butler pantry, showcase fireplace infamily rm. Stamped concrete drive & patio w/oversized dblgarage.


HAMILTON $199,900113 Cameron Avenue North

PRIME HAMILTON EAST LOCATION!!Hamilton`s newest hot location, used as two family, somerecent updates furnace/C/A 2012, shingles, baths 2006. Rearthree car parking with easy access from street. Twobedrooms on main floor & one bedroom with living room(vacant) were getting 750.00/month w/utilities included.


BuRLINgTON $1,799,9996195 Milburough Line

CLASSIC GEORGIAN COLONIAL MANOR withpicturesque tree-lined private driveway. Featuring gleaminghardwd, entertainers kitchen, stunning great room with 14 ftceiling, and custom millwork and trim thru-out. Upstairsyou will find 4 spacious bedrms all featuring their ownensuite, as well as bedroom level laundry.


HAMILTON wEST $479,90025 Cline Avenue North

Beautiful 3+1 bedroom home in Westdale! Customkitch/granite counters/refinished hardwood floors,landscaped yard, interlocking patio. Furnace, C/A & HWTin 2010, updated plumbing stack, sewer line relined, sprayfoam insulated in back rm crawl space, completely re-wiredto code 2010, new roof 2013.


BuRLINgTON $579,9003191 Renton Road

FANTASTIC NEIGHBOURHOOD! Updated 3 BR homein Headon Forest area! Open concept LR/family rm, eat-inkitch, master w/ensuite & walk in closet. Priv. fenced inyard w/new patio. Upgrades: finished basement, newhardwd & tiling throughout, new windows, new furnace,new C/A, new water heater. Roof replaced in ‘09.


STONEY CREEK $449,90045 Bellagio Avenue

3 bedrm 1 year old home with a ton of builder’s upgrades.Stunning kitchen, engineered hardwd & upgraded ceramics.Loft area features a bright skylight. Home is across frompark & close to shopping, schools & highway access


STONEY CREEK $194,500511 #8 Highway, Unit #208

GORGEOUS 2 bedrm terrace condo in prime Stoney Creekneighbourhood. The balcony can be accessed from bothmain floor & master bedroom. Hardwood floors in livingroom, bedroom level laundry, eat-in kitchen, well located ina small 21 unit complex. Close to Hwy access, bus, school,parks and all amenities. All appliances included.


STONEY CREEK $334,90014 Roselle Place

Prime location! Great 1.5 storey home in desirable StoneyCreek location. Located in a Quiet Cul de sac with plentyof updates including roof ’01, furnace ’06, new paint '14,new front deck '14, and large fenced yard. Huge drivewayto build a large garage. Don't miss this one. It won't last!


DuNDAS $449,90067 Turnbull Road

First time offered, original owner, lrg 4 bedrm, 2 storeyhome on prime street in Dundas. Main floor offers largefamily room, formal LR/DR and separate den, 3 pieceensuite, large bedrooms, double car garage. Needsupdating.


STONEY CREEK MTN $494,9007 Lyngate Court

4+1 BR on a court location. Finished basement w/rec rm,full bath, kitch & walk up. Features engineered hardwd,crown moulding, California Shutters, covered patio.Updates: kitch w/granite, baths, C/A, furnace, mostwindows.


BuRLINgTON $2,000,000422 Guelph Line

High Traffic corner location. Established Bowling Alley (5-pin, 2-levels) currently. Rear parking plus municipal.May be assembled with 418 Guelph Line for apx. 1 acre ofland on busy corner. Do not go direct. Contact LA for detailsof assemblage.


HAMILTON CTR $184,90029 Nightingale Street

BIG HOUSE LITTLE PRICE!! Used as a two family,upstairs pays $755.00 month utilities included, downstairspays $890.00 month utilities included. Tenants would like tostay. No lease, month to month. Basement level vacant. Bigside drive. Third floor used as storage. Seller will onlywarrant single family use.


HAMILTON CTR $1,099,0003-7 Connaught Avenue South

Fantastic opportunity to own a 12 unit apartment building.New roof, windows & Furnace updates. 6-1 bedroom and 6-2 bedroom units. Separate meters. Tenants pay hydro.


Call Today 905-945-0188


MUST SELL• Estate Sales• Bank Foreclosures• Company-Owned Properties• Distress Sales

Free List with Pictures

www.HamiltonDistressSales.com

Fixer-upperHOMeS FOr SALe

These homes need work.Free list with pictures.

www.HamiltonFixerUpper.com

Homes For Sale

Call Us Today for information on any of these Homes!

905-575-7700 • 905-945-0188

Bungalows & Raised Ranches Two Storeys • Semis & Town Homes

How to Sella Home ThatDidn’t SellHAMILTON/NIAGARA – If your home has justcome off the market and hasn’t sold, don’t be dis-couraged. The reason your home did not sell mayhave nothing to do with your home or the market.In reality, your home may have been one of themost desirable properties for sale.So Why Didn’t Your Home Sell?

Last year almost half of the homes listed for salenever sold at all, and many sellers found that therewas a tremendous amount a homeowner needed tobe educated on to sell their home for top dollar inthe shortest time period.

Don’t risk making the wrong choices and losingboth time and money on your investment. Beforeyou hire a realtor, know the right questions to askto save you time and money.

Industry experts have prepared a free specialreport called “How to Sell a House that Didn’t Sell”which educates you on the issues involved.

Please visit www.CouldntSell.com

HAMILTON - According toindustry experts, there areover 33 physical problemsthat will come under scrutinyduring a home inspectionwhen your home is for sale.A new report has been pre-pared which identifies theeleven most common ofthese problems, and whatyou should know about thembefore you list your home forsale.

Whether you own an oldhome or a brand new one,there are a number of thingsthat can fall short of require-ments during a home inspec-tion. If not dealt with, any ofthese 11 items could cost youdearly in terms of repair.That’s why it’s critical thatyou read this report beforeyou list your home. If youwait until the building inspec-tor flags these issues for you,

you will almost certainlyexperience costly delays inthe close of your home saleor, worse, turn prospectivebuyers away altogether.

In most cases, you canmake a reasonable pre-inspection yourself if youknow what you’re lookingfor, and knowing what you’relooking for can help you pre-vent little problems fromgrowing into costly and

unmanageable ones.

To help home sellers deal

with this issue before their

homes are listed, a free report

entitled “11 Things You Need

to Know to Pass Your Home

Inspection” has been com-

piled which explains the

issues involved.

To order your free copy

of this report visit www.

HamiltonInspectionPitfalls.com

27 Quick &Easy Fix Ups toSell Your HomeFast and forTop DollarHAMILTON/NIAGARA – Because your

home may well be your largest asset, sell-

ing it is probably one of the most impor-

tant decisions you will make in your life.

And once you have made that decision,

you’ll want to sell your home for the high-

est price in the shortest time possible with-

out compromising your sanity. Before you

place your home on the market, here’s a

way to help you to be as prepared as pos-

sible.

To assist homesellers, a new industry

report has just been released called “27

Valuable Tips That You Should Know to

Get Your Home Sold Fast and for Top

Dollar.” It tackles the important issues you

need to know to make your home compet-

itive in today’s tough, aggressive market-

place.

Through these 27 tips, you will discov-

er how to protect and capitalize on your

most important investment, reduce stress,

be in control of your situation, and make

the most profit possible.

In this report you’ll discover how to

avoid financial disappointment or worse, a

financial disaster when selling your home.

Using a common-sense approach, you get

the straight facts about what can make or

break the sale of your home.

You owe it to yourself to learn how

these important tips will give you the com-

petitive edge to get your home sold fast

and for the most amount of money.

How to order your free copy of this

report, check us out online at

www.hamilton27tips.com

11 Critical Home Inspection Traps To Be

Aware Before Listing Your Home For Sale

HamILTOn EaST

Bungalows/Raised Ranches

Starting at $119,900

32 available

Two Storeys


13 available

Semis & TownHomes


15 available

HamILTOn mTn



63 available

Two Storeys


82 available

Semis & TownHomes


37 available

HamILTOn CTR


Starting at $79,997

14 available

Two Storeys

Starting at $96,500

100 available

Semis & TownHomes

Starting at $84,900

17 available

STOnEy CRk upR



4 available

Two Storeys


28 available

Semis & TownHomes


20 available

STOnEy CRk LWR



27 available

Two Storeys


54 available

Semis & TownHomes


28 available

GRImSBy



22 available

Two Storeys


44 available

Semis & TownHomes


10 available

LInCOLn



29 available

Two Storeys


28 available

Semis & TownHomes

Starting at $79,900

17 available

Call Today 905-945-0188


www.golfiteam.com

Grimsby, Lincoln West Lincoln & Niagara

BEAMSVILLE $399,900Academy Street

RM2 ZONING – ¾ acre land site centrally locateddowntown area, permitted uses apartment dwelling,boarding or lodging dwelling, home for the aged, nursinghome, group home, private home daycare. Call for details onpermitted uses.


BEAMSVILLE $989,900P/L#23 Durham Road

ZONED LIGHT INDUSTRIAL AND COMMERCIAL with5.5 acres and 602 feet of frontage on Durham Rd.


FORT ERIE $799,9003723 Niagara River Parkway

BREATHTAKING VIEWS ON 2 ACRES! 4+1 BR homefeatures Oak hardwds, main flr master suite, irrigationsprinkler system, aerobic septic bed, backup gas generator,furnace 6yrs, roof 3yrs, gardeners greenhouse & a nicelylandscaped yard! Docking rights available!


BUilDiNG lOT

5.5 AcRES

FORT ERIE $849,9001645 Niagara Parkway

CUSTOM BUILT HOME facing the Niagara River, fourlarge bedrooms, plus finished attic with roughed in bath fora fifth bedroom. Solid oak doors and trim throughout.Unspoiled basement with walkout. New C/A, Furnace ‘01.Roof ‘05. Does not disappoint!


WATERFRONT

PELHAM $699,900571 Poth Street

5 ACRE PROPERTY w/ large 4 bedrm home & barn w/stalls. Home feat liv/rm, dinrm, eat-in maple kitchen, mainflr master suite & fin bsemnt. Outdoor feat large pond, barnw/ 5 stalls, run in shed, 2 paddocks & exercise ring


gRIMSBY $899,9001 11th Street

BIGGER THAN IT LOOKS! 2200 sq ft completely rebuiltWaterfront retreat w/180-degree views of Lake feat. 3bedrms & 2 baths in a . Large master suite w/ensuite, twomain floor bedrms, 3pc powder rm, two-level living area,spacious dining rm, & over sized chefs gourmet kitch. Turnthe key & leave w/this zero maintenance freehold property!


WATERFRONT WATERFRONT

Docking Rights Available!

wAINFLEET $389,90040830 Forks Road

2.8 ACRES OF COUNTRY LIVING with pond. Updated 2storey country charmer. This home has it all, 4 bedroom, 2full baths, large eat-in kitchen, main floor office, laundryand mudroom. Outside features a lovely wrap-around porchand 4 car garage.


2.8 AcRES

BEAMSVILLE $159,9002 Meadowood Lane

BUILDING LOT RARE FIND - Fantastic opportunity tobuild your dream home on this 50.00 x 108.00 ft lot! Sewerand water to lot line. Buyer pays town, regional charges andpark dedication plus building permit.. Subject to severancein progress.


5 AcRES

BEAMSVILLE $99,9004946 Maple Avenue

VACANT COMMERCIAL LOT 40x140 ft. located walkingdistance to downtown Beamsville and QEW. Services are onthe road. Call Rob Golfi today at 905-945-0188 for a privateviewing. Thank you for visiting my website and I lookforward to hearing from you


gRIMSBY $955,000143 Lake Street

FABULOUS FIND – Exclusive listing to the Golfi Team.Beautiful Waterfront lot sitting on 140 x 183 ft. lot onprivate cul-de-sac, build your dream home on the shores oflake Ontario, services include sewers, water and gas to lotline.


WATERFRONT

VAcANT cOmmERciAl lOT

gRIMSBY $243,90091 Livingston Avenue, Unit #1

End unit townhouse features family room w/ gas fireplace &sliding doors to balcony, oversized kitchen, generous sizebedrooms, freshly painted. Recent updates incl. kitchen w/backsplash, new flooring in the kitchen, dining room &bedroom level.


VINELAND $399,7003869 Victoria Avenue

Turn of the century home w/ beautiful trim, crown mould,rich hardwoods, French doors, character front porch.Granite kitchen counter, added on fmily room w/ kitchenette& office. Carriage house perfect for the live/workenvironment


BEAMSVILLE $324,9005082 Charles Street

3+1 renovated home in great neighbourhood. Updatesinclude kitchen with granite counters & ceramic floors,baths, refinished hardwood flooring, windows, carportconverted to garage. In-law potential or additional familyliving space in the basement.


ST. CATHARINES $379,90047 Lakeside Drive

Beautiful lakefront property! Double car garage with 1bedroom apartment, in-ground pool (as is) and garden.Landscaped yard leads to beach. Buyer to do “duediligence” with building permits, zoning, site influences,conservation authority and property restrictions. Municipalservices available at the road. Taxes “not set”.


WATERFRONT

Due Diligence Required

BEAMSVILLE $159,9001 Meadowood Lane

BUILDING LOT RARE FIND - Fantastic opportunity tobuild your dream home on this 57.00 x 108.00 ft lot! Sewerand water to lot line. Buyer pays town, regional charges andpark dedication plus building permit. Subject to severance inprogress.


Rob Golfi*

gRIMSBY $549,900572 Ridge Road West

2.35 Acres of good living. Property features a storey & ahalf home w/ updated large country kitchen, good size livingrm & dining rm. Main floor also featuring 2 bedrms & mainbathrm. Master bedrm upstairs. Let the kids run on thelarge property with paddocks and 2 barns.


NIAgARA FALLS $649,9006246 Tesla Court

Executive home! Tons of detail in this 2 storey finishedhome. Prof finished exterior, finished basement, 2 mastersuites, designer kitchen with butler & walk-in pantries.Complete package with desired finishes and features.


wELLAND $199,900810 Clare Avenue, Unit 4

North Welland renovated townhouse backing onto walkingtrail. New carpet, lighting, polished hardwood floors andfresh paint throughout. 2 spacious bedrooms with privatebalconies. Concrete block construction and dedicatedparking. Shows brand new!


ST. CATHARINES $139,00023 Richmond Avenue

For first time buyers or the growing family! Large 3bedroom, 2 bath home close to all amenities. No carpet.Original hdwd flrs thru-out, freshly painted. Large kitchenwith huge gourmet island. Great backyard, fully fenced.Updates: shingles '12, furnace 9 years new, vinyl windowsand newly updated front porch. Amazing home!


ST. CATHARINES $172,90063 Canterbury Drive

OPPORTUNITY HAS KNOCKED!! 4 level back split with3 or 4 bedrooms. Walkout to beautiful backyard. Shows verynice, many updates & quick closing available. Walk to park,quiet street. .


Call Today 905-575-7700


First Time Buyers are a Major Market Force

Canada’s decade-long housing boomshrank to a three-way race this yearwith Toronto, Calgary and

Vancouver the only markets still showingbetter-than-average growth. As we headinto 2015, the field has shrunk to two. Thecollapse of oil prices is denting the Albertaeconomy, hurting the prospects of thoseliving in its biggest city. The CanadianReal Estate Association said last week thatthe average price of a Calgary home was9.5 per cent higher in October than a year

ago. But as Robert Kavcic, an economistwith BMO Capital Markets, told theCalgary Herald, what’s in the rear viewmirror ain’t what lies ahead .

Should we be worried, too? I don’tthink so. Price increases will moderate asinterest rates slowly rise, but that’s nocause for panic. Home ownership is abouta place to live, so the horizon should belong. While the big gains for condoinvestors may be over, for those who planto live and work in Canada’s largest and

most desirable city, waiting probablywon’t help. If they’re forming householdsor just tired of paying rent, they might aswell pay themselves first. That’s the primelaw of personal finance.

This year, Toronto house prices are ontrack for another record. They were upalmost 9 per cent in October compared toa year earlier driven by a shortage of list-ings. The average home price in the GTAwas $587,000.

The driving force as we all know is arock-bottom interest rate. Mortgage rateaggregator Ratehub.ca was quoting a five-year fixed mortgage Monday throughCanwise Financial at 2.69 per cent. If youborrow $400,000, the monthly payment is$1,830 at that rate.

A five-year mortgage at less than 3 percent offers insurance against a weakeningmarket and time to chip away at the mort-gage principal.

An annual study by the CanadianAssociation of Accredited MortgageProfessionals confirms that first-time buy-ers are thinking along those lines. Far frombeing naïve, they’re aware of the risk andcoming in with hefty down payments (asthey historically do) and locking in forlonger terms. CAAMP says about eightout of 10 borrowers are opting for fixed,longer-term mortgages, typically fiveyears.

CAAMP finds that about half of theCanadians buying homes this year werefirst-time buyers. Their average down pay-ment was 21 per cent of the home’s cost.

The big down payment also allowsmost buyers to avoid Canada Mortgageand Housing Corp. insurance. While thathas been pretty consistent for severaldecades, what’s changing is how youngpeople are coming up with the cash.They’re finding it harder to save enough tokeep ahead of price increases, so they’rerelying more on gifts and loans from par-ents and grandparents.

By Adam Mayers Personal Finance Editor, The Star

Feature Home1 - 11TH STREET

BIggER THAN IT LOOKS! This 2200 sq ft waterfront Retreat with 180° views of Lake Ontario features3 bedrooms and 2 bathrooms in acompletely rebuilt home. Large mastersuite on the whole upper floor withensuite, 2 main floor bedrooms, 3pcpowder room, 2-level living area, spaciousdining room, & over sized chef’s gourmetkitchen. Turn the key & leave with thiszero maintenance freehold property!

GRIMSBY$899,900

WATERFRONT

BEAuTIFIL LAKE VIEwS

www.GolfiTeam.com

Crossword puzzle

Across1 Expose as pretentious (6)4 Resembling a horse (6)9 Butterfly — ruler (7)10 Eat away (5)11 Strong and healthy (5)12 Deliberately forget (7)13 Cloth model, digitally operated

(5,6)18 Funny little teasers (7)20 Strong twisted cotton thread (5)22 Succulent — risqué — lucrative (5)23 Dross — twaddle (7)24 Sewer (6)25 West Country city (6)

Down1 Chin indentation (6)2 Welcome & unexpected extra (5)3 Russian-born ballet dancer, who

partnered Fonteyn, d. 1993 (7)5 Suppress completely (5)6 prehistoric period (4,3)7 Looking at (6)8 It's used to make profiteroles,

eclairs etc (5,6)14 Opponent of techno logical progress

(7)15 Small case for tablets — small

concrete fort (7)16 proverbially hard worker (6)17 Gentle breeze (6)19 True (5)21 Fast — novelist (5)

The Solution

8 3 5

2 87

5 29

9 6 1

9 3

4 2 3

3 1 8

8 7 4

4 9 5 6

SUDOKUSUDOKU

714296 835

952348 617

638752 194

523961 478

196874 523

487125 369

361487 952

875639 24

249513 786

1

1

Fill in the grid above, so that

each row of 9 squares, each

column of nine and each

section of nine (three squares by

three) contains the numbers

1 through 9 in any order. There

is only one solution for the

puzzle and the numbers shown

can nOT be changed.

(Solution on Page 10)


Top 6 Reasons Why Now is the Best Time to Sell:1) Supply & Demand: During the

Holiday Season there are significantlyless homes on the market. Less supplymeans less competition. Less competi-tion means more money in your pock-et and faster sales.

2) Holiday emotions: Buying is an emo-tional purchase and emotions tend torun high during the Holiday Season.Strategically, having the opportunityto work off a buyer’s emotion is inyour favor...they tend to offer a higherprice when emotions are involved.

3) Low interest rates: The interest ratesare incredibly low, which allows abuyer to afford more in the market.When rates are low, buyers tend topresent higher purchase offers. Not tomention, Mortgage interest rates areheaded UP, which will drasticallyimpact your BUYING POWER.

4) Beat the rush: Most sellers wait to listafter the first of the year, which caus-es a lot of new inventory in January.The longer you wait, the more compe-tition you create for yourself. You canexpect a flood of new inventory in thefirst quarter of 2015. As supplyincreases, your likelihood of gettingan offer at an acceptable pricedecreases.

5) Relocation: Companies typically bringin new talent starting in the beginningof the year. These new hires are look-ing at property now. You must be onthe market to take advantage of thesebuyers.

6) Serious Shopping: Tire kickers do notlike the cold and will stay home.Serious buyers do not have a choice.They must buy now and will brave theelements to make it happen. Picturethe buyer who puts on her hat, gloves,boots, scarf, and winter coat to go lookat homes in 3 feet of snow and in themiddle of a snow storm. Are they buy-ing or “just looking”? I think youknow the answer. Selling during thewinter months keeps the neighborsand looky loos out of the process andattracts only serious buyers to yourhome; making the showing processmuch easier.

And remember, listing your homenow doesn't mean you need to moveout today. In fact, the average timeframe from list date to move out dateis nearly 90 days.

Rentals

www.GolfiTeam.com


HAMILTON $1,400/MTH328 Woodward Avenue

UPDATED 3 BR BUNGALOW! Open concept kitchlooking into LR & master BR at the back of house. 2 parkingspots avail. Close to bus stop, access to the Red Hill &QEW. Available for immed. possession. Credit Check,references & letter of employment req’d. Tenant to havecontents & liability insurance.

HAMILTON $4,400/MTH1083 Beach Boulevard

TRENDY BEACH BLVD – Spectacular & luxurious bestdescribes this awesome beauty! Executive free holdtownhome on waterfront trail with top quality finishesthrough-out, quartz, marble, porcelain, crown moulding, andoversized terraces, steps away to downtown Burlington &quick access to QEW. Tenant to have contents and liabilityinsurance.

FOR lEASE

STONEY CREEK $1,800/MTH43 Riviera Ridge

FOR LEASE! Large 1.5 storey home finished top to bottom.Main floor bdrm w/ensuite, updated kitch, vaulted ceilings& gas fireplce in living rm. Fully finished bsmnt, fencedyard w/lrg deck w/retractable awning. Seconds from QEW.Credit Check, references & letter of employment required.Tenant to have contents & liability insurance.

SMITHVILLE $1,300/MTH105 Anastasia Boulevard

New 2 Bedroom Semi-detached brick bungalow on cornerlot for Lease. Open concept w/ ceramic floors in foyer &kitchen. Berber carpet in bedrooms and living room. Largefrench doors opening to large backyard. Updated kitchenwith floating island. Stainless Steel appliances included.Credit check, references & letter of employment required.Tenant to have contents and liability insurance.

HAMILTON $1,500/MTH52 Gainsborough Road

Beautiful 3 bedrm semi-detached home for lease in desirablearea. The main flr & upstairs available for rent with allutilities included! Features: bedrm level laundry, eat-inkitchen and many upgrades. Within walking distance toEastgate Square. Quick access to QEW & Redhill. Creditcheck, references and letter of employment required. Tenantto have contents and liability insurance.

HAMILTON $1,575/MTH89 West 28th Street

DESIRABLE WEST MOUNTAIN LOCATION! 3 bedrm,finished basement, appliances incl., carport, walk to schools& parks. Rental application, proof of income, non-smoker,tenant responsible for utilities, lawn maintenance and snowremoval. 1 year minimum lease. Tenant to have contents andliability insurance.

SHarOn

StaFFOrD

HanS

MarCELISSEn

ErIC

PInI, B.a.

WEnDY

MUrraY-

nICHOLSOn

LaUra

BIELak

MIkE

MCnEIL

Dan

GOLFI

JEnnIFEr

DraHO

PEnnY

CIarDELLI

Hank

BaLFOOrtJEFF

GOLFI

Not intended to solicit buyers & sellers currently under contract with a brokerage.

In 2013, Rob and his team were #1 for transaction sales in

Hamilton, Burlingtonand surrounding areas!**

Call US today to get your home SOLD!

905.575.7700

YOURHOME

GUARANTEED*OR WE BUY IT

*Certain conditions applySOLD

Rob GolfiSales Representative

HAMILTON $1,450/MTH105 Vennio Lane

Beautiful all brick 2 storey semi-detached home for lease. 3bedroom, 2½ bath & fully finished basement. Masterbedroom with ensuite. Close to Redhill and all amenities.Credit check, references & letter of employment required.Tenant to have contents and liability insurance.

FOR lEASE

gRIMSBY $1,500/MTH541 Winston Road, Unit #16

Beautiful 2 storey townhome for lease. 3 bedrm, 2.5 bath,hardwd flooring & ceramics, 9’ ceilings, berber carpetupstairs. Quick access to QEW. 1st & last month’s rent,credit check, references & letter of employment req’d.Tenant is to have contents & liability insurance.

FOR lEASE

Rob Golfi*

** Real Estate stats from RE Datum stats

lEASEDlEASED

lEASED

FOR lEASE

FOR lEASE

Call Today 905-575-7700


Luxury Homes & Waterfront Properties

gRIMSBY $955,000143 Lake Street

FABULOUS FIND – Exclusive listing to the Golfi Team.Beautiful Waterfront lot sitting on 140 x 183 ft. lot onprivate cul-de-sac, build your dream home on the shores oflake Ontario, services include sewers, water and gas to lotline.


WATERFRONT

STONEY CREEK $1,769,9009 Lochside Drive

ONE ACRE WATERFRONT ESTATE – features Luxury4400 sq.ft. custom built bungalow with a private rare beachfrontage and riparian rights, finished top to bottom with in-law suite, 9’ ceilings, 3 tier patio off sun-room, loft to rooftop patio, main floor den, and floor to ceiling windows.Shows like a dream!


WATERFRONT

STONEY CREEK $737,00037 Edgewater Drive

FANTASTIC LAKE VIEW This beautiful Waterfront 4+1bedroom home makes you feel like you are away fromhome! Main floor offers open concept with sliding doors tothe patio. Have your morning coffee on the patio and sitback and enjoy the sound of the water! 2 master bedroomswith ensuites.


WATERFRONT

FORT ERIE $849,9001645 Niagara Parkway

CUSTOM BUILT HOME facing the Niagara River, fourlarge bedrooms, plus finished attic with roughed in bath fora fifth bedroom. Solid oak doors and trim throughout.Unspoiled basement with walkout. New C/A, Furnace ‘01.Roof ‘05. Does not disappoint!


WATERFRONT

FORT ERIE $799,9003723 Niagara River Parkway

BREATHTAKING VIEWS on 2 acres! 4+1 bdrm homefeatures Oak hardwds, main flr master suite, irrigationsprinkler system, aerobic septic bed, backup gas generator,furnace 6yrs, new, roof 3yrs, gardeners greenhouse & anicely landscaped yard! Docking rights available!


WATERFRONT

Docking Rights Available!

gRIMSBY $899,9001 11th Street

BIGGER THAN IT LOOKS! 2200 sq ft completely rebuiltWaterfront retreat w/180-degree views of Lake feat. 3bedrms & 2 baths in a . Large master suite w/ensuite, twomain floor bedrms, 3pc powder rm, two-level living area,spacious dining rm, & over sized chefs gourmet kitch. Turnthe key & leave w/this zero maintenance freehold property!


WATERFRONT

STONEY CREEK $774,900 63 Edgewater Drive

STUNNING VIEW OF THE LAKE! This beautifulWaterfront 4+1 bedroom home makes you feel like you areaway from home! Main floor offers open concept withsliding doors to the patio. Have your morning coffee on thepatio and sit back and enjoy the sound of the water! 2 masterbedrooms with ensuites.


WATERFRONT

gRIMSBY $959,900342 Kemp Road West

CUSTOM BUILT home on 37 acres. Features nanny'squarters or 2 bedroom in-law suite, 2 fireplaces, gourmetkitchen, ceramics, vaulted ceilings, in-ground pool, 3 cargar. Barn w/13 stalls, 4 paddocks & a 60x140 arena. Minutesfrom town!


37 AcRES

HAMILTON EAST $949,9001087 Beach Boulevard

TRENDY BEACH BLVD – Spectacular & luxurious bestdescribes this awesome beauty! Executive free holdtownhome on waterfront trail with top quality finishesthrough-out, quartz, marble, porcelain, crown moulding, andoversized terraces, steps away to downtown Burlington &quick access to QEW


WATERFRONT

BuRLINgTON $1,799,9996195 Milburough Line

CLASSIC GEORGIAN COLONIAL MANOR withpicturesque tree-lined private driveway. Featuring gleaminghardwood, entertainers kitchen, stunning great room with 14ft ceiling, and custom millwork and trim thru-out. Upstairsyou will find 4 spacious bedrms all featuring their ownensuite, as well as bedroom level laundry.


Keep your Family Safe from Fire

• Prepare a fire escape plan for your fam-ily and practice it. Also make sureeveryone in your household knowswhere your designated meeting place isoutside.

• Stop, drop and roll. Know the drill andpractice it often.

• Choose fire resistant materials whendoing a home renovation. Productssuch as mineral wool insulation willprevent the spread of fire if it occurs.Industry experts recommend Roxul'sinsulation called Safe N' Sound,ComfortBatt, and ComfortBoard IS.

• Check your residential fire extinguish-er and make sure it is stored in an easyto access location in case of emergency.Conduct a training session to ensureeach member of your family knowshow to use it.

The Fire Marshal's Public SafetyCouncil (firesafetycouncil.com), CanadianAssociation of Fire Chiefs (cafc.ca), andFire Prevention Canada (fiprecan.ca) areall excellent resources for safety tips.

ST. CATHARINES $379,90047 Lakeside Drive

Beautiful lakefront property! Double car garage with 1bedroom apartment, in-ground pool (as is) and garden.Landscaped yard leads to beach. Buyer to do “duediligence” with building permits, zoning, site influences,conservation authority and property restrictions. Municipalservices available at the road. Taxes “not set”.


WATERFRONT

Due Diligence Required

PELHAM $699,900571 Poth Street

5 ACRE PROPERTY w/ large 4 bedrm home & barn w/stalls. Home feat liv/rm, dinrm, eat-in maple kitchen, mainflr master suite & fin bsemnt. Outdoor feat large pond, barnw/ 5 stalls, run in shed, 2 paddocks & exercise ring


5 AcRES

Rob Golfi*

MARKET ACTIVITY in SelectedRAHB Areas – October 2014

Number of Sales Average Sale PriceAreas 2013 2014 2013 2014

Hamilton West 42 64 $385,291 $366,470

Hamilton East 66 76 $207,869 $224,206

Hamilton Centre 99 89 $186,954 $200,926

Hamilton Mountain 159 194 $296,482 $301,951

Burlington 268 255 $469,478 $539,363

Ancaster 57 37 $501,211 $541,922

Dundas 28 32 $374,233 $407,170

Flamborough 23 22 $553,164 $474,400

Waterdown 25 30 $441,494 $456,223

Stoney Creek 76 91 $313,821 $350,905

Grimsby 43 28 $369,987 $382,854

Glanbrook 26 47 $399,567 $343,972

Dunnville (61) 16 11 $189,744 $241,518

Caledonia 11 11 $280,136 $292,482

Lincoln 22 23 $330,345 $365,111

West Lincoln 7 10 $391,429 $413,340

Smithville 14 3 $258,921 $381,167

Note: Numbers of sales represents sales reported on properties listed on the Multiple Listing Service(MLS®) of the REALTORS® Association of Hamilton-Burlington. Average sale price is calculated bydividing the total dollar volume of sales (not shown) by the number of sales in that month.

Take the time to learn what you can do to prevent such a disaster and how youcan get you family involved. Here are some valuable tips and procedures toplan together:

www.GolfiTeam.com

MarketplaceMarketplace

Pamela Culp Blanchard Cell: 905-971-9568 www.seniordownsizing.ca

Senior Downsizing

WE GUIDE YOU THROUGH THE ENTIRE PROCESS

HOME STAGING

Jacqueline Paradisi

Paul Lewis SettimiBarrister, Solicitor and Notary Public

8 Main Street East, Suite 303Hamilton, Ontario L8N 1E8Bus: 905-527-0808Fax: 905-527-0774

20 Main Street WestGrimsby, Ontario L3M 1R4

Bus: 289-235-7500Fax: 905-527-0774

Real Estate Lawyer

[email protected]

Laura BielakSales Representative, The Golfi Team 905-575-7700

provides “Peace

of Mind”


WINNER

Sandra Bahoric Certified home staging and redesign

professional, Member of RESA

905.912.8781homesmartsstaging.ca

NEW!

OUR SERVICES: • home evaluation and color consultations• home staging• redesign• real estate photography and advertising• personal shopping for home décor and decorating• Feng Shui consultations

Real Estate package special: • home evaluation consultation with color consultation• HD Real Estate photography and aerial photography

Call Home Smarts now for a free intro consultation!

Buying a homethrough us?

Crossword Solution

If you’d like to learn how BnI(www.bnigh.com) works and what it cando for your business, call or email me [email protected].

I can arrange for you to visit a chaptermeeting close to you so you can see howBnI helps members develop referralbusiness relationships.

Two BnI chapters in the GTa recentlyreported referral business totaling $1m forthe past year!

“Changing The Way The World Does Business™”

www.GolfiTeam.com

Grimsby Branch155 Main St. E. | 905-945-2930

Beamsville Branch4520 Ontario St. | 905-563-0822

Vineland Branch3370 King St. | 905-562-7373

Ancaster Branch1100 Wilson Street West | 905-304-6838

Centre on Barton Branch1187 Barton Street East | 905-547-6202

Rymal Road Branch2176 Rymal Road East | 905-692-3597

Hamilton Commercial & Small Business Banking Centre2 King Street West | 905-528-6391

Binbrook Marketplace Branch2537 Regional Road 56 | 905-692-8359

Jackson Square Branch2 King Street West | 905-528-6391

Stoney Creek Branch(Opening Fall 2014)259 Queenston Road

Dec 2014 Issue 106

Documents

real estate career

rob alsoprides

real estate teams

rob golfirobs career

real estatewhere

real estatebegan

sale page

rob isranked number