PRINTED IN CANADA Thursday, December 17, 2015 12 PAGES • 17,903 Copies Wayne Winch* Brenda Brouwer* All-Stars Realty Inc. Brokerage INDEPENDENTLY OWNED & OPERATED 905-476-4111 GREAT POTENTIAL! • $214,000 Solid One Bedroom Detached Home. Great Potential As Starter Home. Close To Shopping, Bus, Medical And More. All-Stars Realty Inc. Brokerage INDEPENDENTLY OWNED & OPERATED 905-476-4111 Beverly Edney ** Roy Doran * Cell: 905-252-1677 realtron realty inc. brokerage INDEPENDENTLY OWNED & OPERATED 905-898-1211 www.gregandtammy.ca [email protected][email protected]Tammy Longfield-Chiang* & Greg Chiang* 905-898-1211 Merry Christmas and a Happy 2016. Greg and Tammy This Christmas season, we wish you Joy, Health, Peace and wonderful memories with your loved ones. “Thank You” to our wonderful clients for your Support over the past 25 Years! All-Stars Realty Inc., Brokerage INDEPENDENTLY OWNED & OPERATED 905-722-5533 Shirley Anne Thompson* 905-251-2335 May the Joy of Christmas bring Peace and Happiness to You and Your Family 22940 HIGHWAY 48, GEORGINA • MLS # N3381033 • VERY SOLID 3 BEDROOM SIDE SPLIT ON A HUGE SITE 110’ x 198.46’ BACKING ON GREEN SPACE. • ROOF SHINGLES 2009, NEWER QUALITY VINYL WINDOWS, FAO & TANK INSPECTED RECENTLY • DRILLED WELL, RAISED SEPTIC BED IN REAR YARD • NEEDS A BUYER INTERESTED IN RENOVATING BASEMENT, KITCHEN, BATH & FLOORING. • DO NOT DELAY….THE LAST ONE WENT IN JUST A FEW DAYS!! CALL ELENA ROBERTS @ 416-420-4129 OR [email protected] TO VIEW Steve Barrett* Owner / Sales Rep / Residential Appraiser DIRECT 289-470-1478 SUTTON GROUP SOLUTIONS REALTY INC., BROKERAGE 905-476-4329 905-722-9770 [email protected]Sue Booth & Sandy Simpson* 905-476-7434 ext. 7434 [email protected]Wishing Everyone a Happy Holidays We would like to take this opportunity to thank all our wonderful friends and clients for their continued support. We hope you all have a wonderful Holiday, enjoying time with family and friends. May 2016 bring you lots of happiness and joy. Our very best Wishes Sandy and Sue Your Community Realty Brokerage INDEPENDENTLY OWNED & OPERATED Pat Burns*** Deborah Reddings* (800) 529-0331 S h o r e l a n d s Real ty I nc. Brokerage All the best in 2016. Over 30 Years of combined real estate sales & appraisal to work for you. CALL Sutton Group Solutions Realty Inc., Brokerage Méchelle Cossaboom* Direct: 905-836-2124 Merry Christmas Everyone! Cheers to making memories and sticking to cherished traditions… remembering those in need and giving generously…forever remembering those we lost and being grateful for what we have…family, lasting friendships and lots of laughs always… A heartfelt Thank You To all of you who continue to support and put your trust in me! I am forever grateful! All the Best for 2016! 905-471-2121 T eam Metherall. com (905) 476- 4111 Wally Metherall Sales Representative Cyndy Metherall Sales Representative Cole Metherall Sales Representative Michelle Lawrence Mortgage Agent , Broker Lic.#10214 Oriana Financial Group Of Canada Ltd. Who You Gonna Call? Team meTherall All-Stars Realty Inc., Brokerage Each Office Independently Owned and Operated
This document is posted to help you gain knowledge. Please leave a comment to let me know what you think about it! Share it to your friends and learn new things together.
Transcript
P R I N T E DI N C A N A D A
*sales representative ** broker ***broker of record
Thursday, December 17, 201512 PAGES • 17,903 Copies
Mortgage renewal: It pays to shop aroundYou work hard for your money. One of your biggest expenses is likely your mortgage. So if you had the opportunity to improve the interest rate, alter the term or otherwise make your mortgage a better fit with your life and finances, wouldn’t you take it?
Far too many Canadians do not act on this op-portunity when the term of their mortgage expires. They simply renew with their current lender, with-out seeking better terms or shopping around for a better deal. This, despite the fact that household cir-cumstances often beg for a change in what is often the single-largest expense in the family budget.
Assess your situAtion
Your lender must provide you with a renewal statement at least three weeks before the end of the existing term, but it’s best to act sooner. A few months before the end of the term, ask yourself some tough financial questions and do research to determine whether a different mortgage would better suit you and your family.
Maybe you want to pay down your mortgage faster. Ask yourself: “Do my finances allow me to in-crease the amount of my mortgage payments? Do I have savings set aside that I could use to make a lump-sum payment and decrease what I owe?”
Maybe you want to lower your payments to keep more cash on hand to cover childcare costs and save for education. Ask yourself: “Can I live with ex-tending the loan for a longer period?”
Contact your current lender, other financial insti-tutions and mortgage brokers to determine what mortgage terms and conditions they offer. Com-
pare the different products.“Competition among lenders affects how much
they will charge to finance your mortgage,” says Lu-cie Tedesco, commissioner of the Financial Consum-er Agency of Canada. “To find the best mortgage for your financial situation, check out the rates and terms offered by several lenders, and understand the costs involved in updating your mortgage.”
stAy put or move on
In the end, your current lender may offer the best deal, making your decision easy.
If you do want to switch to a new lender, consider the potential additional costs such as set-up fees or an appraisal fee to confirm the value of your prop-erty.
Find out whether a new lender will cover some of these costs. Be sure to get all the information you need to make the best decision for your financial situation.
— www.newscanada.com
3The Georgina Advocate homefinder.ca Thursday, December 17, 2015
10 The Georgina Advocate homefinder.ca Thursday, December 17, 2015
Cooler weather keeps many people indoors. Al-though this may cause a bit of cabin fever, time spent inside gives people a chance to tackle some much-needed organization projects without the distractions of outdoor activities.
One task to tackle as winter settles in is sort-ing through wardrobes and making room for new clothes, as extra clothing can quickly take over a home. In fact, according to the National Association of Professional Organizers, too much clutter, general disorganization and difficulty determining what to keep and/or discard are the primary reasons individ-uals reach out to professional organizers. If clearing away closet clutter is on the top of your winter to-do list, consider the following tips.
Know what you have. It’s easier to determine •what you can keep and what you can donate or discard when you have an idea of what’s in your closet. Take all of your clothes out of closets and drawers and place them on the bed or floor.Clean the closets thoroughly. Try completing a thor-•ough cleaning yearly. This includes dusting shelv-ing and vacuuming the floor of the closet. You can do the same with armoires and dresser drawers.Take inventory of your clothing. Create three main •sorting piles. Label one “keep,” another “donate” and the third one “sell.” As you look at your cloth-ing, keep only those items that fit you well and suit both your tastes and your lifestyle. If a piece is high-quality and worth the cost of repair, bring it to a tailor or make the modifications yourself. Let go of items you never wear or those you bought on a whim because you wanted to try something trendy. In addition, figure out which type of cloth-ing best suits your lifestyle. If you have 10 pairs of yoga pants but never hit the gym, you can thin out that collection.
Immediately bag donation items. Move items you •will be donating out of the room. Place them by the front door and make a plan to drop them off at a thrift store or in a nearby clothing bin.Don’t overlook sales opportunities. An easy way •to make a little extra money is to sell used be-longings at consignment stores. Such stores are popular in towns all across the country as more people attempt to conserve and cut back on their spending. Consignment shops typically do most of the work, including marketing the items, which can be less hectic and safer than selling things on your own. Only bring in items that are clean and in good condition. Opt to have cloth-ing donated after the consignment period is over if items haven’t sold so they don’t end up back in your closet.Group remaining “keep” clothes in the closet •by category. Organize the clothing you keep by colour or style (i.e., casual, formal, exercise, etc.). Arrange the clothes in a way that makes most sense to you.Consider moving off-season clothes. Sturdy stor-•age containers and bags can be used to keep off-season clothing out of the closet until it’s needed. This frees up more space.
— MS
Tackle wardrobe organization How to make older homes more energy efficient
It’s possible to keep an older home without compromising on energy efficiency, but it takes a bit of work.
Older properties tend to have a sense of charm that newly built homes may lack. Perhaps it’s their lived-in feel or design elements that remind homeown-ers of yesteryear that make older homes so popular among home buyers.
What older homes have in character they may lack in modern amenities. For example, whereas many homes are now built with energy efficiency in mind, older homes may not be so eco-friendly. Fortunately, there are many ways for homeowners who love their older homes to keep that love going strong while making their homes more energy ef-ficient at the same time.
CheCk for leaks and plug any you find.
Homes may develop air leaks over time, and such leaks allow air to infiltrate the home. When that oc-curs, homeowners instinctively turn up the ther-mostat in winter to combat the cold air getting in. Come summertime, those same homeowners will run their air conditioners on a higher setting in an effort to stay comfortable when hot air is creeping
through the cracks. Rather than adjusting the tem-perature inside, fix any sources of air infiltration you find. Run your hand along doorways and windows to determine if any drafts are coming through. Older homes may also develop cracks in bricks, around the foundation and in siding or stucco. Seal any areas where you feel air infiltrating your home, which will save money, reduce your energy consumption and make your older home more efficient.
add insulation.
Many older homes are poorly insulated. But add-ing insulation can reduce energy costs by as much as 50 per cent. Installing insulation can be tricky, especially if insulation was not originally included in your home, as is sometimes the case with older homes. Insulation can become damp and prove ineffective if installed improperly. Damp insulation also may contribute to mould growth and rot in the home’s framing. Older homes may be lacking ad-equate insulation around attics, crawl spaces, base-ments, heating and cooling ducts, and water pipes. Cover your water heater with an insulated water heater blanket so the heater retains more heat and consumes less energy to heat the water.
stay on top of your home.
Much like older vehicles, older homes require a little extra TLC on the part of homeowners. Don’t allow your home to fall into disrepair. Even if your energy bills are not on the rise, inspect windows and doors to make sure they are closing tightly, as over time such seemingly minor problems can add up to substantial energy loss. Don’t forget to clean gutters and downspouts, removing debris that can add up and lead to water damage that may ultimately com-promise the effectiveness of your home’s insulation.
Book an energy audit.
Energy audits, which may be offered free of charge by your utility company, can help detect any addi-tional areas where a home may be using energy inef-ficiently. Even if you have to pay for an audit, the cost savings if any additional inefficiencies are discovered will likely add up to more than the cost of the audit.
Older homes are attractive to many homeown-ers, who can take several steps to make sure their homes are operating as efficiently as possible.
— MS
• Over 63,100 circulation, door to door, delivered to every household in our coverage area
• Circulation and distribution are audited by the Canadian Circulation Audit Board and the FDSA.
• Ontario wide home search through www.HomeFinder.ca
• Guaranteed distribution in the award winning “Best Newspaper in North America 2005 & 2008” by the Suburban Newspapers of North America (this award has never been won twice by any other Canadian Newspaper).
• The BEST Real Estate publication in your area for the most up to date information.
When Making Your Advertising Choicesmake sure you’re comparing
apples to apples...Our Showcase section offers:
11The Georgina Advocate homefinder.ca Thursday, December 17, 2015
RoseanneToogood*Chris Morielli* SarahThompson*Evelene Bain*Patti Knuckle* Ken Barker*Stephannie Phillips* Michelle Naylor*Susan Zanata* JasonWitty* Kim Imough*Reg Prince*
Allen Sawan* DanVan Loon*MelissaWeeks*Michael Fisher* Barbara Jacobsen* Cyndy Metherall*SamWaldron*Debbie Metherall* Bev Edney** Doug Prince*Roy Doran*
*sales representative **broker ***broker of record
All-StarsRealty Inc., Brokerage
Independently Owned and Operated
430 THE QUEENSWAY S., KESWICK www.remaxallstars.ca
Independently Owned and Operated
emaxallstars.ca 20945 DALTON RD., SUTTON
905-476-4111 • 1-866-924-7496905-722-5533
At The Close OfAnother Year
We Gratefully PauseTo Wish You AWarm And HappyHoliday Season
Best Wishes FromAll Of Us At
12 The Georgina Advocate homefinder.ca Thursday, December 17, 2015
KentAtkins
Sales Representative
EliPeroff
Sales Representative
DavidClark
Sales Representative
ColleenPeroff
Sales Representative
JanetWasson
Licensed Assistant
Janet LoryRumley
Listing Assistant
StevePeroff
Sales Representative
Joy W rldtothe W r
Dear Friends, Family and ColleaguesThe end of 2015 is drawing near. We’ve had yet another happy, busy year! We couldn’t be more grateful! It’s truly a blessing at this time of
year to slow down and reconnect with you, and to express our gratitude for your support throughout the year.277 The Queensway S, our new office space since 2013, has been steadily growing. We are seeing a great deal of changes and growth in this
part of Keswick’s core and love being in the centre of the activity! There is nothing but improvements and positive changes going on in our not-so-little town! The Georgina and Keswick housing market continues to astonish us and clearly the GTA has taken notice as we’ve seen a flurryof new developments and lots of newcomers to the area as well as a number of new businesses, small and large. We’ve enjoyed a successful yearthanks to the very hard work and dedication of every Team member.
Once again, recent heart breaking world events remind us of our great fortune to live in a safe country where our childrencan go to school, have great health care and are encouraged to have a voice. We are blessed beyond belief to live in thegreatest country on earth and in our little town by the lake. We try not to forget this and in return try to show gratitude andgive back whenever possible. Locally, our Team “Gives Where We Live” and have become big supporters of the Georgina FoodPantry through sponsorship of the Incredibly successful “Georgina By The Lake House Tour” and headingup an annual Food Drive. Globally, our involvement in the Kenyan Orphanage “Baba Nyumbani” andsupporting the work of the Horizon Initiative organization continues to be a passion and purpose for meand my family.
This past June, Colleen, our daughter Jordanna and I visited Baba Nyumbani in Kenya. After a wonderfulsong filled welcome we were thrilled to participate in some of the ongoing projects around the orphanage.Along with some good friends and their two grown children who went with us we all rolled up our sleevesand helped paint and renovate the orphanage’s kitchen. Everyone pitched in and we got it done!
In addition to some of these day to day projects, there are several huge developments in Kenyathat we are excited to be part of and to share with you. The second children’s home in Bondo, Kenya,overlooking Lake Victoria is well underway. Here we will house, feed, nurture, educate and keep safeanother 100 children. The building of the library at Baba Nyumbani is also a great priority for us. Itis a stand-alone 1900 sq. ft. building that will further secure our commitment to providing education
opportunities to the children. Our fundraising goal is $40,000!We hope that our work in Kenya strikes a chord with you and perhaps this year, you’re in
a position to give a little more. There are many children waiting for sponsors in the areasof Basic Care, Education and Wellness. Each sponsorship of $40/month goes a long way inAfrica. One time contributions are always welcome and there are several projects that youcan become a part of as well. Please visit www.horizoninitiative.org for sponsorship details.It’s a blessing to be Canadian and a privilege to live and work in Keswick and Georgina.
We proudly provide you our very best service and expertise and we know that we don’t just sellhouses. We find people homes, we help build communities. That is a privilege we don’t takefor granted and are proud to play such an important part in the lives of the people we serve,in our community and beyond.On behalf of myself and my phenomenal Team Peroff, Kent Atkins, Colleen Peroff, Eli Peroff,
Janet Wasson, Lory Rumley, David Clark, Andria Louca and Felicia Smith our tireless co-opstudent, we wish you and your family health above all, a joyous, love-filled holiday season anda prosperous 2016.