Feb. 1, 2011 Issue 19

www.GolfiTeam.com

Rob GolfiSales

Representative

Sharon StaffordSales

Representative

Heather ReidSales

Representative

Hans MarcelissenSales

Representative

Wendy Murray-Nicholson*Sales

Representative

Ashley SidlerSales

Representative

Dena ZlatarOffice

Manager

Rosemary FournierListing

Co-ordinator

P R E S E N T E D B Y T H E G O L F I T E A M

February, 2011 - Vol 24a

Rob GolfiSales Representative

FIND US ON:

Happy Valentine's Dayfrom the Golfi Team!

MarketWatch February A_MarketWatch_Transfer.qxd 28/01/11 6:37 PM Page 1

Page 2 The GOLFI TEAM Real Estate Market Watch February 1, 2011

www.GolfiTeam.com

Since the inception ofhis career in 1997,Rob Golfi has

recognized that understandinghis clients’ needs is essential toproviding excellent service.

As business grew, Robassembled the Golfi Team in aneffort to maintain the samelevel of professionalism clientshave come to expect. Shortlythereafter in 2003, the teamreceived the prestigious honourof being among the top 100Real Estate Teams forRE/MAX Canada, and thisstatus continues to date.

Rob’s experience andaggressive negotiating skillshave earned him every majorhonour awarded by RE/MAX,including President’s Club,100% Club, Platinum Club,Chairman’s Club, Hall of Famein 2003, the Lifetime Achieve -ment Award in 2006, hisSRES® designation in 2009 andthe Diamond Club Award in2010. Having worked with

many of the industry’sprofessionals over the years, hehas the necessary edge to bestnegotiate the sale of your home.

Any agent can list yourhouse, but Rob’s knowledge,extensive marketingbackground and dedicationgives clients peace of mindwhen dealing with the singlemost important investment intheir lives. With years ofcombined experience, the GolfiTeam can provide your homewith a level of exposure thatmost agents cannot. Utilizing ateam approach also means thatthey will likely find a purchaserto buy your home sooner, ratherthan waiting for other agents toapproach you with potentialbuyers.

Ranked in the top 5 of nearly2,000 sales agents in theHamilton-Burlington and Niagaraareas, listing with Rob and theGolfi Team is the right choicewhen choosing someone torepresent your best interest. -Å

About Rob Golfi

by: Rob Golfi

The Solution

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.

45

6 4 9 3

7 51

5 2 6

4 6

2 3 7

8 2 7

1 6 34

5 8

SUDOKUSUDOKU

138274 569

654187 932

972365 481

415726 893

387492 615

269538 174

826941 357

791653 24

543819 726

8

When you work with a registered

real estate broker or salesperson your

deposit is protected subject to the

terms and conditions of the insurance

policy. All brokers and salespersons

are required by law to participate in

an insurance program that includes

consumer deposit insurance. The pre-

mium for the insurance program,

including the coverage that protects

your deposit, is paid for by brokers

and salespersons.

COVERAGE

Consumer deposit insurance

offers protection in the event of fraud,

insolvency or misappropriation of

funds by a registrant (e.g. a broker-

age). There is no deductible under

this coverage. However, the insur-

ance policy contains clauses, which

may limit the amount payable if there

is a loss. The insurance provides cov-

erage up to a maximum of $100,000

per claim. In the event the sum of all

claims made by all consumers against

a particular registrant related to an

occurrence (e.g. a brokerage becomes

bankrupt) exceeds $1,000,000, the

amount recoverable by each con-

sumer may be pro-rated and limited

to a portion of the maximum amount

of $1,000,000 of coverage, subject to

the terms and conditions of the insur-

ance policy.

WHAT'S NOT COVERED

Claims arising as a result of a

registered broker or salesperson act-

ing as an executor, administrator,

trustee, guardian, conservator or in

any other fiduciary capacity other

than as a broker or salesperson are not

covered under the policy.

Deposit Protection

“You’ll be impressed with the creative use of space.It’s a 200-square-foot condo with 9 bedrooms,5 bathrooms and an indoor swimming pool!’

Maximum Exposure

Sells Your HomeCall the Golfi Team to get

your Home Sold

905-945-0188www.golfiteam.comThe GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada.


Call Today 905-945-0188

Rob Golfi*

Grimsby, Lincoln & West Lincoln Area

February 1, 2011 The GOLFI TEAM Real Estate Market Watch Page 3

GRImSBY 234,900

42 DianaSituated on spacious treed lot on quiet cul-de-sac, beautiful gleaming hardwood in bedrm,sun filled living room with floor to ceiling baywindow, fin’d bsmt w/full bath & spare bedrm.Fenced yard. Close to schools, parks & quickaccess to QEW.

GRImSBY $299,900

63 Griffith DriveCompleted top to bottom with professionallyfinished basement. Spacious eat-in kitchen,dinette, cozy front porch with Escarpmentviews, patterned concrete drive, patio, privatetreed yard. Very desirable neighbourhood. Quickaccess to QEW!

GRImSBY $299,900

17 Colonial CrescentAttractive 4 level back split in quiet escarpmentsurvey. Porcelain tiles, oak eat-in kitchen,vaulted ceilings in LR/DR, main flr laundry, gasfireplace in family room, newer furnace,humidifier & central air, along with newwindows, doors, & shingles.

GRImSBY $299,900

8 Casablanca Blvd.Custom built 2000 sq.ft. home with plasterconstruction and an unbeatable floor plan,gorgeous hardwood floors, oversized sunkenfamily room, new furnace, new shingles in 2009,beautifully landscaped on oversized 75 x 133 ftlot.

GRImSBY $227,900

24 Kenyon Crescent, Unit 34Outstanding & immaculate town homebeautifully finished throughout. Features greatopen concept design w/over sized sun filledliving rm, oak kitchen w/sliding doors to privatepatio, finished basement, & quick access toQEW.

GRImSBY $1,490,000

143 Lake StreetFabulous waterfront property! Custom built3000 sq ft home with Lake views every room.Maple hardwood floors, granite counters, mastersuite with access to back deck, ensuite and walk-in shower. Handicap adaptable!

GRImSBY $179,900

13 Sacks AvenueCute semi in a great neighbourhood close toparks & schools. Nice corner lot! 3 bdrms, twofull baths, finished rec-rm w/gas fireplace, &open concept on main flr. Fantastic opportunityfor any buyer to aquire in Grimsby.

BeamSvILLe $239,900

5120 St. George's DriveImmaculate freehold townhome, open conceptw/vaulted ceilings, 2 skylights & den/office,great rm w/gas FP. Fin rec rm, Cal shutters,main flr laund & ceramics. Upgrades bamboohrdwd in LR, deck, shed, countertop, sink &faucet.

WeST LINCOLN $265,000

1786 Victoria AvenueCountry living at its best sitting on over an acreof private treed lot in fantastic location. Featurescathedral ceilings, oversized family room withfireplace, country style kitchen with plenty ofcupboards, fully finished basement.

GRImSBY $249,900

65 Hemlock WayGorgeous Losani built town home featuresbeautiful designer maple kitchen with breakfastbar, and showcase fireplace in living room.Master bedroom has luxury ensuite and walk-incloset. 3 bedrooms and oak staircase. Close toparks, schools and QEW access.

GRImSBY $1,799,900

351 Ridge Road EastThis fine property shows like a dream. Seated on4 acres of lush landscape and backing ontoNiagara Escarpment. This amazing 6500 sq ftestate features main floor master suite, multi-media control centre, gourmet chef’s kitchen &4 additional large bedrooms.

The Golfi Team has Maximum InternetExposure to Get Your Home SOLD!

Call today! 905-945-0188

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE

WeST LINCOLN $324,999

7574 Highway #202+1 bedroom fully reno’d & with modern kitchen,cherry wood cabinets, ceramic, cathedral ceilings,adjoined fam room. Thick carpeting in all principalrms & main bath w/whirlpool tub. Dbl side drv, finbsmt (’06) incl. rec rm, kitchen, bedrm & laundry,25 yr roof (’04), furnace (’03).

BeamSvILLe $459,900

4276 Maple Grove RoadRaised ranch on 11 acres, built in 1993, finishedin-law apartment with walk out, spaciouskitchen with plenty of counter space, shinglesone yr, furnace 3 yrs, well maintained home inthe heart of wine country.

BeamSvILLe $228,900

5141 Conner Street1386 sq.ft. Features include great sizedbedrooms with 3 pc ensuite and walk in closetoff of master. Kitchen overlooking spaciousfamily room, attached to neighbouring unit atthe garage.

BeamSvILLe $259,900

4498 Ontario StreetIdeal for Home Business. Impressive 4bedroom, 4 level back split sitting on 60' x 150'lot. Features hardwood floors, updatedwindows, shingles ('06), furnace ('03), garagedoor & opener ('08), 2 fireplaces, walkout fromlower level, 20' x 22' garage.

GRImSBY $289,900

33 Debora DriveSpacious raised ranch in impeccable condition3+1 Bedrms, 2 baths, on large 61 x 125 ft lotacross from private park, updates include newwindows, new furnace & central air, finishedbright basement, walk to downtown, 1 min toQEW

SmITHvILLe $279,900

16 Lindan StreetPrestigious 2 storey built in ‘06 on fantastic sizelot, features spacious kit w/granite counters &breakfast bar, beautiful hardwood throughout, asun-filled living room, large bedrooms, ensuiteprivilege off master, main floor family room,walk out from bsmt to fenced yard.

SOLDSOLD

ANOTHERANOTHER

ONEONE

NeW HOMe

JUST LISTeD

WaTerFrONT

Scan this code to view more info on our listings!

Go to www.4qr.ca on your mobile phone to download your free scanner.

Text "GOLFI" to 123411 to view our listings on your mobile phone.

11 acreS

FONTHILL $649,900

23 Timbercreek CrescentStunning 4 bdrm, 3300 sqft Executive onexclusive street. Built 4 yrs ago & featureshardwood and porcelain floors, granitecountertops, 60 interior/11 exterior potlights, mainflr den can also be a formal living room. In-lawsuite w/sep entry plus endless list of upgrades!

SOLDSOLD

ANOTHERANOTHER

ONEONE


Call Today 905-945-0188


Rob Golfi*

Commercial

BeamSvILLe $499,900

5532 King StreetZoned light industrial, consists of building plus4 Bedroom century home sitting on approx 3acres located on Regional Rd 81 on wine route,with good traffic. Property has 6000 sq.ft steelframe building on concrete slab with 2washrooms, 220 volts.

BeamSvILLe $1,199,900

4485 King StreetOver 700 ft of frontage on Niagara's busiestwine route. 26.6 Prestigious acres on the lowerbench with over a 20ft fall from front to back ofproperty. Property consists of a large barn with 2cold storages, heated workshop and parkingarea. 3 residential detached homes on property.

BeamSvILLe $249,900

4993 King StreetDowntown core storefront with large window,front and back entrances can suit 2 businesses or1 large one. Rear parking and municipal lot.New furnace, 2pc bath. 1800 sq ft of businessspace with GC zoning, plus 2 bedroomapartment on upper level.

STONeY CReek $349,900

19 King StreetLocation, Location this 2.5 Storey commercialbuilding w/high traffic & visual exposure zonedCA-1 permits 29 uses, ideal for doctors, lawyers,accountants, mortgage, real estate office.Approx 1,335 sq.ft. on main flr, plus 1,500 sq.ftapartment on 2nd & 3rd flr, plenty of parking.

Free Down PaymentWhat is a Free Down PaymentMortgage Program?

First time homebuyers and thosewho do not have sufficient down pay-ment for their home purchase are eli-gible for a free down payment mort-gage program. Fixed rate closed termsmortgage with a 5 year term.

How do I benefit from this mort-gage program?

Don't wait to save up your 5%down payment before purchasing ahome. You can purchase now withouta down payment.

How does this mortgage programwork?

The lending institution provides adown payment equal to 5% of theproperty lending value. They willadvance these funds directly to thesolicitor on the closing date.

What are the limitations?A minmum beacon score (credit

score) of 650 is required. This pro-gram applies only to owner occupiedsingle family or duplex units.

Are there any extra fees?The mortgage default insur-

ance premium is 2.90% of themortgage amount instead of thestandard 2.75% with 5% downpayment from your ownresources. Client pays the fullposted interest rate for the 5 yearterm rather than the discountedrate.

For more information on theFree Down Payment MortgageProgram and how it could help youbuy your home sooner, please con-tact the Golfi Team at 905-575-7700.

The Honourable Jim Flaherty,Minister of Finance, and the HonourableChristian Paradis, Minister of NaturalResources, today announced on January17th, prudent adjustments to the rules forgovernment-backed insured mortgages tosupport the long-term stability ofCanada’s housing market and supporthard-working Canadian families savingthrough home ownership.

“Canada’s well-regulated housingsector has been an important strength thatallowed us to avoid the mistakes of othercountries and helped protect us from theworst of the recent global recession,” saidMinister Flaherty. “The prudent measuresannounced today build on that advantageby encouraging hard-working Canadianfamilies to save by investing in theirhomes and future.”

“The economy continues to be ourGovernment’s top priority,” continuedMinister Paradis. “Our Government willcontinue to take the necessary actions toensure stability and economic certainty inCanada’s housing market.”

The new measures:• Reduce the maximum amortization

period to 30 years from 35 years fornew government-backed insuredmortgages with loan-to-value ratios ofmore than 80 per cent. This will sig-nificantly reduce the total interest pay-ments Canadian families make ontheir mortgages, allow Canadian fam-ilies to build up equity in their homesmore quickly, and help Canadians payoff their mortgages before they retire.

• Lower the maximum amount

Canadians can borrow in refinancing

their mortgages to 85 per cent from 90

per cent of the value of their homes.

This will promote saving through

home ownership and limit the repack-

aging of consumer debt into mort-

gages guaranteed by taxpayers.

• Withdraw government insurance

backing on lines of credit secured by

homes, such as home equity lines of

credit, or HELOCs. This will ensure

that risks associated with consumer

debt products used to borrow funds

unrelated to house purchases are man-

aged by the financial institutions and

not borne by taxpayers.

Our Government’s ongoing monitor-

ing and sound underlying supervisory

regime, along with the traditionally cau-

tious approach taken by Canadian finan-

cial institutions to mortgage lending,

have allowed Canada to maintain strong

and secure housing and mortgage mar-

kets.

The adjustments to the mortgage

insurance guarantee framework will

come into force on March 18, 2011. The

withdrawal of government insurance

backing on lines of credit secured by

homes will come into force on April 18,

2011.

Harper Governmenttakes Prudent Action

Donatella Pepe of Centrum SRF Financial Inc. is a Mortgage Specialist

in the Hamilton/Burlington area. On behalf of the Leukemia Society of Canada,she is participating in a 42 km running marathon on May 12, 2011 in Nova Scotia.By participating in this marathon, she hopes to heighten community awareness thatthere are many families and friends living with this disease. Her goal is to raise$10,000 by April 1, 2011 to help find a cure and not let this disease control ourlives. Please help her fight this terrible disease.

To make a donation, please contact Donatella by at:[email protected] or by phone at 905-526-7551

Homeevaluation

No Cost or Obligation

Call Rob Golfi today!

905-945-0188


Call Today 905-575-7700

Rob Golfi*

Hamilton & Stoney Creek

STONeY CReek mTN $309,900

36 Hillcroft DriveCharming 8 yr old, all brick, 5 level backsplit.This home is finished top to bottom & featureskitchen overlooking family room w/showcasefireplace, leading to backyard concrete patio &fence yard, finished basement w/rec-room, & 2full baths.

mOUNT HOpe $252,000

59 Critzia Drive, Unit 312Condo in Twenty Place. Features 2 bedrooms,hardwood, ceramics, Califormia Shutters, 2walkouts to outdoor covered balcony. Don’tmiss out! Access to Clubhouse with pool,whirlpool, gym, tennis courts, undergroundparking & large storage locker.

WeST HamILTON $299,900

82 Bowman StreetGreat investment -- walk to McMaster, updatesinclude new furnace (07), new shingles (02),hardwood floors, all new appliances, newdriveway, carpet, ceramic floors in kitchen.rental income $1750/month, tenants payutilities!

WINONa $359,900

328 Winona RoadEasy access to the QEW, shopping,and schools.Large kitchen with island & granite counters.Vaulted ceilings, pot lighting, california shutters.Inside garage entry with main floor laundry.Fully fenced back yard. Large master, his/herclosets & ensuite with corner soaker tub.


503 Highway #8, Unit 19Located in secluded complex w/plenty of visitorparking. Sunken LR w/gas FP, gorgeoushardwood flrs. Bright fully finished basement.Attached only at garage, close to all amenities &easy hwy access.

HamILTON CeNTRaL $379,900

46 Edgemont Street SouthClassic 3+1 bedrm home, kit w/plenty ofcabinets, elegant dining rm, master bdrm w/gasfireplace, lrg walk in closet, skylights & ensuitew/whirlpool tub, prof. fin’d basement, located ina very quiet exclusive neighbourhood.

HamILTON eaST $164,900

119 Fairfield Avenue3+1 bdrm home w/a side drive, garage, &screened in back porch, includes hrdwd flrs,bright white kit, freshly painted, LR & a great flrplan. Dry basement, Weeping tiles installed 9 yrsago. Close to all amenities. Come see!


19 Scotia AvenueRenovated in Rosedale! New kitchen w/crownmouldng, unique backsplash, breakfast bar &blt-in wine rack. New hardwd & furnace, 3bedrooms, 2 bathrooms, 200 amp, in-lawpotential, concrete drive, huge lot! Near parks,schools, golf course & escarpment stairs.


43 Blair AvenueLarge lot, fully fenced yard & parking for 5!Shingles 2009, fence 2007, Vinyl windows,hrdwd flrs, updated kitchen, renovated bath,finished rec room. Beautiful bay window offdining room. All appliances included. Quiet eastend location near the Red Hill Pkwy.

BINBROOk $379,900

218 Tanglewood DriveQuality built 2400 sq ft. Located in JacksonHeights, in the heart of Binbrook, this 4 bdrm, 2 storey home has many upgrades. Hardwdfloors in family room & dining room, solidmaple staircase. Upgraded ceramics, kitchen &backsplash, cove mouldings, painted indecorator colours, upgraded light fixtures.

eaST HamILTON $284,900

85 Bow Valley DriveImmaculate 3 bedroom with fully finishedbasement. Spacious living room and diningroom. Eat-in kitchen has been updated andboasts ample counter space and cupboards.Updated vinyl windows, concrete drive andpatio in fenced yard.

eaST HamILTON $169,900

37 Strathearne Ave.Charming one floor bungalow, beautifulgleaming hardwood floors, finished basementwith 3 pc bath, concrete drive and patio,oversized detached garage, fridge, stove, washer& dryer included, close to bus route andshopping.



46 Second Road WestOh my gosh, best value for this great 5 bedroom,5 level back split, sitting 100 x 152 ft lot.Everything is done -- all you have to do is movein. Features gorgeous hardwood floors, beautifulFlorida room, showcase fireplace, perfect forgrowing family, fantastic location close to allamenities.

SOLDSOLD

ANOTHERANOTHER

ONEONE

The Golfi Team has Maximum InternetExposure to Get Your Home SOLD!

Call today! 905-575-7700

Scan this code to view more info on our listings!

Go to www.4qr.ca on your mobile phone to download your free scanner.

Text "GOLFI" to 123411 to view our listings on your mobile phone.

HamILTON mOUNTaIN $210,000

98 David Ave.Incredible value in this 3+2 bedroom, brickbungalow, featuring a finished rec-room,hardwood under Berber carpet, mostly vinylwindows, furnace & central air updated 2002,long concrete drive, close to busses andshopping.

BINBROOk $1,129,900

2228 Guyatt RoadTrillium award, country estate home minutes fromthe city. 3 fireplaces, 4+1 bedrooms, 4.5 baths,vinyl windows, custom drapery & californiashutters, wrap-around porch. Finished basementwith potential in-law suite and refrigerated winecellar. Steel shingles w/50-year warranty.


2 Renis Court3+1 bdrm all brick bungalow will take you bysurprise. Upgrades include designer maple kit,hrdwd flrs, porcelain tile, crown moulding, hotelstyle bathroom, California ceilings, updated vinylwindows, shingles ‘06 & more.


46 Adeline AvenueFirst time buyers! Good location close to highways,schools & park. Great starter home w/2 bdrms,living room w/gas fireplace, updated kitchen &bathroom. Renovations done to make bathroom &master bdrm larger. Parking for 3 cars & a greatbackyard!

HamILTON WeST $274,900

304 Emerson Street5 bedrooms, 1-1/2 storey home within walkingdistance to McMaster University, well maintained,updated furnace, electrical, steel roof, and deeptreed yard.

ONe acre

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE


Call Today 905-575-7700


Rob Golfi, Sales Representative

Home evaluationNo Cost or Obligation

Call Rob Golfi today!

905-945-0188 / 905-575-7700

No matter howwell you pre-pare, there willalways be somethings missedso knowingwhat mighthappen andwhat to expecthelps ease thestress.

Here arethe top five things people are most likelyto forget to do that have lead to some lastminute scrambling on moving day:

1. Don't forget to save room for themoving truck. Whether you're hiringmovers or moving yourself, you'regoing to need to ensure that there's aparking space for the moving truck.It's always a good idea to notify yourneighbors of the move and that you'llbe using the front parking spaces orthe back alley or whatever space isbest for your move. Remember, thatif you're hiring a moving company,you'll need to make sure that thetruck is parked close to both the oldhouse, where you're moving from,and the new home, where you'removing to. If you don't block offenough parking space and themovers have to park down the street,you may be charged extra for whatmovers call a long carry.

2. Notify the neighbors. While thispoint has already been mentioned,it's worth mentioning again. Notonly should neighbors be aware ofthe parking space you'll need, butalso of any inconvenience they mayencounter because of your move. Ifyou're moving on a weekend, whenneighbors are more likely to behome, it's good to let them know thatyou'll be using the sidewalk or thespace out front or that more cars willbe parked out front.

3. Have cash on hand. Tipping themovers and having cash on hand forpizza or snacks or any last minutethings that you might need will saveyou the trouble of having to dig for acredit card or running to the bank atthe last minute. Most movers appre-ciate a cash tip so have it readybefore they arrive and keep it some-where that's easy to access after yourmove in is complete.

4. Remember to leave the keys behind.Before moving day, make sure youknow what you're supposed to dowith the house keys. If you're rent-ing, make arrangements with yourlandlord; if you own your home,remember to check with the realestate agent or the new owners. Alsocollect all copies of the keys before-hand; from your children, spouse,friends or relatives. Have them readyfor the new owners. And don't forgetto have the keys to your new homeready when you arrive. Havingmovers wait to move you into a newspace while you try to track downthe keys, may cost you extra.

5. Have detailed driving directions tothe new house. You may know howto get to your new home, but themovers might have a harder time. Ifyou have detailed instructions,including where to park, the movingcompany will appreciate your organ-ization. Also, friends and family whoare helping you move will need toknow where to go; the last thing youwant to worry about is making surethat everyone is following you.Moving day isn't a good day to keepa convoy together!

David Ryback is a regional sales

manager with Harvey Moving Systems

905-945-5540 / 905-515-6896

www.harveymoving.com

[email protected]

What should I expecton Moving Day?

LET ME TAKE THE STRESS OUT OF MOVING!

Once the GOLFI TEAM has SOLD YOUR HOME

call me for a FREE in-home estimate on moving costs!

Once the AKE THE STTAKE THE S

has FI TEAMLGOOnce the OF MOTSS OUERT

LET ME

has VING! OF MO

FREEcall me for a

LD YOUR HOME OS

in-home estimate on moving costs!FREELD YOUR HOME

in-home estimate on moving costs!

LD YOUR HOME

There is a common misconcep-tion that the best time for anyone tosell their home is in the spring.We’ve put together the followinginformation: to show you how youcan maximize your return by actingsooner, rather than later.

Reason #1: Less competition.The winter months are traditionallyslower times for new listings. Aprilthrough June usually sees anincrease of up to 70% in the numberof new homes hitting the market!This means more choice for buyersand more competition for you. Themore properties prospective pur-chasers have to choose from,the less likely they are tosubmit full price offers.Lower inventory alsomeans a greater likelihoodof competing offers,resulting in a highersales price, and ahigher net returnon your sale.

Reason #2:

Only serious buy-ers look at thistime of year.Winter monthshave a tenden-cy to weed outthe lookersfrom the seri-ous buyers.People whoare ready andwilling tomove don’tcare if there issnow on theground or thatit gets dark early.They have made adecision to moveand they want tomove now.

Reason #3:

Interest rates arepredicted to rise in2011, quarter byquarter over theyear. Buyers areanxious to get set-tled before anypossible rateincreases occur.Increases in rates

decrease the amount of mortgage afamily can afford, cutting them outof certain price ranges. Buyers willbe looking to maximize their pur-chasing power early in the year.

Reason #4: Relocation is at itshighest at this time of year.Companies are anxious to get newemployees settled for the beginningof the year. Statistically, corporaterelocations rise by up to 15% fromNovember to March.

Reason #5: Current market sta-bility. Right now, the market is per-

ceived as stable, leading togreater consumer confidence.This is in contrast to manymonths through late 2009 andearly 2010 when the mediacreated a false sense of insta-bility which had caused many

buyers and sellers to with-draw from the market.

Reason #6: The per-fect gift to yourself – anew home. Start your yearoff the best possible way –

in a newhome foryourself andyour family.By the timee v e r y o n eelse decidesto list theirhome forsale, youwill bemoved in toa new com-f o r t a b l e

space.

To find out if the

time might be

right for you to

sell, or to see

how you can

benefit from

today’s market

conditions, con-

tact the Golfi

Team today!

Is Spring really the Best Time to Sell?

Rob GolfiSales Representative


www.GolfiTeam.com


AMORTIZATION CHARTMonthly payment per $1,000

Length of Mortgage (Amortization Period)

Example $150,000 at 20yr at 3.0%: 150 x 5.54 = $831.00 /month

InterestRate (%) 5 yr 10 yr 15 yr 20 yr 25 yr 30 yr 35 yr

3.00 17.96 9.65 6.90 5.54 4.73 4.21 3.84

3.50 18.18 9.88 7.14 5.79 4.99 4.48 4.12

4.00 18.40 10.11 7.38 6.04 5.26 4.76 4.41

4.50 18.62 10.34 7.63 6.30 5.53 5.04 4.71

5.00 18.85 10.58 7.88 6.57 5.82 5.34 5.01

5.50 19.07 10.82 8.14 6.84 6.10 5.64 5.33

6.00 19.30 11.07 8.40 7.12 6.40 5.95 5.65

6.50 19.53 11.31 8.66 7.41 6.70 6.26 5.98

7.00 19.75 11.56 8.93 7.69 7.00 6.59 6.32

7.50 19.98 11.81 9.21 7.99 7.32 6.91 6.66

8.00 20.21 12.06 9.48 8.28 7.63 7.25 7.01

8.50 20.45 12.32 9.76 8.59 7.95 7.59 7.36

9.00 20.68 12.58 10.05 8.89 8.28 7.93 7.72

9.50 20.91 12.84 10.33 9.20 8.61 8.28 8.08

10.00 21.15 13.10 10.62 9.52 8.94 8.63 8.44

10.50 21.38 13.37 10.92 9.83 9.28 8.98 8.81

11.00 21.62 13.64 11.21 10.16 9.63 9.34 9.18

11.50 21.86 13.91 11.51 10.48 9.97 9.70 9.55

12.00 22.10 14.18 11.82 10.81 10.32 10.06 9.93

MenusOnly.com is an online restaurant menu guide

connecting you with great restaurants in the

Hamilton and Burlington areas. Browse through

restaurant menus, view pictures of restaurant dining

areas, patios, and menu items, and print local restau-

rant coupons all in one place. MenusOnly.com –

a perfect dining experience starts here.

Examples (Price-Tax)

The information contained on this page is for estimation purposes only and applies to the sale ofOntario Residential properties only. Your actual Ontario Land Transfer Tax should be independentlycalculated and verified. The real estate board nor any of its advertisers shall ave any liability for theaccuracy of the information contained on this page.

$55,000 - $275

$65,000 - $375

$75,000 - $475

$85,000 - $575

$95,000 - $675

$100,000-$725

$110,000-$825

$120,000-$925

$130,000-$1025

$140,000 - $1125

$150,000 - $1225

$160,000 - $1325

$170,000 - $1425

$180,000 - $1525

$190,000 - $1625

$200,000 - $1725

$210,000 - $1825

$220,000 - $1925

$230,000 - $2025

$240,000 - $2125

$250,000 - $2225

$260,000 - $2375

$270,000 - $2525

$280,000 - $2675

$290,000 - $2825

$300,000 - $2975

$325,000 - $3350

$350,000 - $3725

$400,000 - $4475

$425,000 - $4975

$450,000 - $5475

$500,000 - $6475

$525,000 - $6975

$550,000 - $7475

$600,000 - $8475

$650,000 - $9475

$700,000 - $10,475

$725,000 - $10,975

$750,000 - $11,475

$800,000 - $12,475

$825,000 - $12,975

$850,000 - $13,475

$900,000 - $14,475

$925,000 - $14,975

$950,000 - $15,475

$975,000 - $15,975

$1,000,000 - $16,475

Land Transfer Tax

Calculation For Residential

Transaction in Ontario

When you purchase a home,it's often recommendedthat you have a home

inspection done. In fact, a typicalAgreement to Purchase Form willinclude a standard preprinted clause withrespect to home inspections. This is oneof the most common conditions in anoffer to purchase a property. When realestate markets are extremely active andyou really want a particular home, skip-ping the home inspection and not placingthis kind of condition in an offer can betempting. Before you make the decision,consider the benefits of a home inspec-tion.

If there is a Seller PropertyInformation Statement (SPIS), you mayreceive a copy and have a general senseof comfort about the history of the prop-erty. However, you should keep in mindthat the person selling the home may notbe aware of property defects and that theinformation provided in the SPIS is basedonly on their personal knowledge.

Similarly, the broker or salesperson

representing you in the transaction mayhave the experience to identify visuallyobvious defects, but underlying problemscan exist.

A qualified and experienced homeinspector will examine the major systemsin the home such as:

* Electrical* Roofing* Plumbing* Heating/Air Conditioning* Foundation* Septic Systems

Many home inspection companiesencourage you to attend the inspectionand ask the inspector questions during theprocess and about the results of theinspection. The decision is yours tomake, but you will be better informedand able to assess whether or not youwant to invest in any upgrades or repairsthat might be needed.

For information about home inspec-tors and home inspection services youcan speak to your real estate broker orsalesperson.

What you Need to Knowabout Home Inspections

Ontario's Ministry of theEnvironment recommendsthat home buyers have a sep-

tic system inspected prior to finalizing asale on a property. This condition mayalso be requested by your financial insti-tution. A time of sale inspection may helpprotect you against future unexpected

costs. The inspection process might

involve pumping the tank and examining

the leaching bed for any signs of prob-

lems. A septic system inspection may be

conducted by a licensed septic system

installer, a licensed sewage hauler or a

professional engineer.

Septic System Inspections

The Cancer Assistance Program (CAP) was built on individualneeds: the needs of cancer patients and their families, here inHamilton and surrounding communities. CAP has been in servicesince 1993 and was a vision of Don Muir, a great Hamiltonian. CAPreceives no government funding but relies on community support toensure caring service for its cancer patients. CAP is a volunteer-based organization. CAP has provided assistance to thousands ofpatients in the community and has had an annual growth rate ofmore than 60%. Currently, CAP has over 2,500 equipment items onloan service. Funds through special events, bequests and memorialdonations are handled with fiscal responsibility and accountabilitywith thanks. Through Patient Service Programs, CAP is able to assistcancer patients and their families. The following are available uponrequest: transportation to clinic and medical appointments, supple-mentary diet, wigs and breast prostheses, available free of charge foras long as needed, on request.

569 Concession StreetHamilton, ON

L8V 1B2

905-383-9797


OWN THIS FOR ONLY

$864MONTHLY

STYLISH 2-STOREY & BUNGALOW TOWNS NESTLED WITHIN A BRAND NEW COMMUNITY PARK!

The bi-weekly P.I. payment, based on 5% down, and a purchase price of $228,000 works out to $864 MONTHLY, (based on 5 year term, 35 year amortization)

REGISTER ON-LINE NOW!

www.homesbycambridge.ca

SITE HOURS: Mon,-Thurs 1-5pmSat-Sun 1-5 pm Fri by appointment

MODEL HOME1-289-566-9528905-945-0188

MONTHLY P&I* PAYMENT BASED ON 5% DOWN

HST & GST Included

BUILDERS UPGRADES

AVAILABLE

KITCHENS

OUTSTANDING FEATURES


Feb. 1, 2011 Issue 19

Documents

chairmans club

platinum club

presidents club

f i t e

thegolfi team

sales agents

rob golfiby

inan insurance program