Jan. 1, 2013 Issue 62

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

January 1, 2013 - Vol 47

Rob GolfiSales Representative


HOME EVALUATION NO COST • NO OBLIGATION

905-575-7700 • 905-945-0188

Page 2 The Golfi Team Real Estate Market Watch January 1, 2013

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

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.

7 4 85 6 3 9

755 8 4 1 2

4 71 2 6 8 9

8 97 8 34

1 7 2

SUDOKUSUDOKU

312748 956

576231 894

489167 532

958416 723

624895 371

731524 689

863952 417

297683 14

145379 268

5

Why GTA housingmarket will staystrong in 2013

Many economists predicted a localreal estate crash this year, with pricesfalling by up to 25 per cent. I didn’t seethat prediction coming true and it didn’t.Nor do I believe it will happen in 2013.

Here’s why:

1. Homes are more affordable

In 1990, the average GTA home costhalf of what it does today. But inter-est rates were 12 per cent for a five-year term at the time. So if a two-bedroom condo cost $250,000 in1990 and you had a 20-per-centdown payment, your monthly carry-ing costs, including interest, taxesand common expenses, were about$2,500. The average rental for a two-bedroom condo at the time was$1,100, according to the HousingNew Canadians research group. Sothe economics of ownership made nosense.

Today, even with a price of$500,000, if you have a 20-per-centdown payment, with current interestrates at 3 per cent, the total monthlypayment is what it was in 1990. It isstill $2,500 per month, includingcommon expenses and taxes. But indowntown Toronto, the average rentpaid for a two-bedroom unit is nowclose to $2,500 per month.

Most tenants who can afford $2,500a month or more in rent can probablyafford to buy a home now, if theyhave 10 per cent down payment ormore.

2. The lesson from 2012

Toronto Real Estate Board statisticsup until Nov. 30 show 82,200 unitshad sold in the GTA so far this year.In 2011, it was 84,900, and in 2010 itwas 81,900. The average price onNov. 30 was 2 per cent higher than ayear ago. If anything, the market hasremained very stable for the pastthree years.

3. Impact of mortgage rule changes

is minor

The mortgage rule changes imposedin early July lowered the amortiza-tion period to 25 years if you wereputting less than 20 per cent downand lowered the percentage of yourincome that could be used for bor-rowing from 44 per cent to 39 percent. The result was that buyers whowould have purchased in late sum-mer or fall moved up their purchas-ing decision to the spring. By fall,

this meant many would-be first-time

buyers were looking to rent instead

of buy. This contributed to low

vacancy rates.

4. 2013 will be fine

Despite the doom and gloom,

Toronto condo rental vacancy rates

are 1.7 per cent. This means that for

those people who cannot sell their

condos, there are plenty of renters

who can cover the monthly costs.

5. Debt-to-income ratio not relevant

As our American friends like to say,

“that dog won’t hunt.” Every month

we are told that because the ratio of

household debt to household income

continues to rise — and is now at

164 per cent — there is a danger of a

real estate collapse.

What this really means is that the

average Canadian household has an

income of $100,000 and total debt of

$164,000 (of which their real estate

debt constitutes-two thirds). Again,

as stated earlier, with interest rates at

3 per cent, this is not a dangerous

problem.

If interest rates were 12 per cent, as

they were in 1990, or if all your debt

was on your credit cards (with inter-

est rates averaging 18 per cent), then

this would be a serious problem.

Note to readers: pay down or elimi-

nate your credit card debt in 2013.

Note to government: with mortgage

interest rates at 3 per cent, it is

almost criminal for lenders to be able

to charge 18 per cent on consumer

credit cards.

6. Interest rates may not rise until

2015

The U.S. Federal Reserve is now

saying it won’t raise rates until 2015.

Our rates can’t differ much from

theirs without harming our economy

with a strong dollar and slower

growth.

These are all things to keep in mind

in the coming year. Somebody has

been predicting a Canadian real

estate market collapse for the past 12

years. It hasn’t happened yet and

won’t happen in 2013.

Mark Weisleder is a Toronto real

estate lawyer. Contact him at

[email protected]

Call the Golfi Team for aFREE Market Evaluation

Your home could be worthmore than you think!

905-575-7700

January 1, 2013 The Golfi Team Real Estate Market Watch Page 3

Call Today 905-575-7700

Together Delivering More...

Sharon StaffordSales Representative


Heather ReidSales Representative

Hans MarcellissenSales Representative

Wendy Murray-NicholsonSales Representative

Mike McNeilSales Representative

Kristina KingSales Representative

Margaret BerloSales Representative

John HellicarSales Representative

Rosemarie FournierListing Co-ordinator

Melissa DavidsonOffice Manager

*#1 Brokerage in the Realtors Association of Hamilton Burlington MLS from 1994 to 2010 consecutively. **Year End Standings for 2010, based on residential commissions paid. Rankings are compiled from figures submitted by regional offices.

3 Over $65 Million in Sales Annually**

3 #1 Real Estate Office in Hamilton-Burlington*

3 Amongst the Top Sales Reps in Ontario**

3 Ranked Top 50 Teams in Canada for **

3 Ranked Top 100 Teams world wide**

Facts About the GOLFI TEAM…

2003 2006 201020031998Rob GolfiSales Representative

OVER $460 MILLION IN REAL ESTATE SALES

There is a reason why realestate deals have to be inwriting. Things said, but

not written down, are open tointerpretation and misunderstand-ing later as a decade old case inBrampton illustrates.

In this instance, the discus-sions meant the end of a real estatecontract and eight years of courtbattles.

In August 2000, Tony Rizzutoput in an offer on a 32-acre farm inBrampton. He offered the owners,Jennifer Footman and her hus-band, $1.7 million based on a priceof $52,000 per acre. The Footmansrejected the offer, signing it backfor $65,000 per acre for a totalprice of 2.1 million, plus the rightto remain living there rent-free forthree years after closing.

Rizzuto was satisfied with theprice, but didn’t like the three-yearrent-free period. He asked hisagent, Richard Durbano, to seewhether the sellers would agree to

either six months or a year instead.Durbano spoke to Footman andlater testified that Footman toldhim that one year rent-free wouldbe fine. Footman later told a courthe did not agree to this. .

Later that day, Rizzuto accept-ed the counter offer, agreeing tothe price as well as the three yearrent free period. However, he stillwanted to try and change the dealto a one year rent-free period so heasked his lawyer to prepare anadditional amendment to the con-tract, making that change. He didit this way because he was afraidthat if he changed the three yearperiod to one year, then it wouldbe considered a counter offer. Sohe tried to first accept the offer butthen negotiate the amendment sep-arately.

Durbano left all the papers atthe Footmans with a covering let-ter that said, “Enclosed please findthe accepted Agreement ofPurchase and Sale. As discussedand agreed to yesterday, the periodthat you would be staying on theproperty would be for one yearafter closing. Accordingly, pleasefind amendment to agreement foryour signature.”

Mrs. Footman refused to signthe amendment. She said all thedocuments were really a new offerand when she refused to sign theamendment, the deal was dead.Rizzutto argued that even thoughMrs. Footman refused to sign theamendment, they still had a deal,with the three-year rent free period.

Rizzuto sued and won at trialin 2007. But Footman appealed. Inan Ontario Court of Appeal deci-sion dated June 3, 2008, the judgesreversed the decision, saying thatbased on all the evidence, the par-ties did not come to any finalagreement, so there was no deal.

It took eight years from thedate of the agreement until thefinal court decision.

Many times real estate con-tracts are conditional on homeinspections being done and buyershaving 4-5 days to waive the con-dition if they are satisfied with thehome. Buyers then find somethingwrong during the period and try tonegotiate a reduction to the pur-chase price, using an amendment.If this is not approached carefully,sellers might also take the positionthat if they refuse the amendment,

the deal is over, and the buyers nolonger have the right to waive theiroriginal condition. The lesson is tomake sure that any price reductionis agreed to by both sides, in writ-ing, before the date when anywaiver is to be sent.

So, whether you’re a seller or abuyer, when you receive an offer,my advice is to do one of threethings; accept it, reject it or makea counter offer. Do not play gameswith amendments and be carefulabout any verbal negotiations. Youwill avoid long and costly lawsuitswhere only the lawyers win. If it isimportant to you, put it in writingand leave it that way.

Mark Weisleder is a Torontoreal estate lawyer. Contact himat [email protected]

www.golfiteam.com


FREE HoME EvaluaTionNo Cost or Obligation

Call Rob Golfi Today!

905-575-7700 / 905-945-0188

Performance Mercedes-Benz

371 Ontario Street, St. Catharines

Dealer of the Year 2012

905-685-3838 | 1-800-567-1101performancemercedes.ca

Always get Real Estate Details in Writing

Crossword Solution

Call Today 905-945-0188


Rob Golfi*

Grimsby, Lincoln West Lincoln & Niagara

grimsby $459,900

23 Tunbridge Crescent9 year old One Floor Beauty. Open concept home featureshrdwd, cer & carptd bed. Main flr family room withwalkout to fenced in back yard with spacious deck.Basement is professionally finished with oversized recroom,bathroom, bedrooms & office space

1836.92 per/mth P&i / O.A.C.

grimsby $479,900

288 Kemp Rd. WUnique property zoned for priv. club recreational use;suitable for many types of organizations on priv. 25 acres ofland w/mutual picnic area. Banquet/dance hall 2500 sq. ftwith 12’ ceilings, FP, full kit facilities, bar area, coat check,bthrms & spacious bsmt for storage.

$1896.83 per/mth P&i / O.A.C.

VinELAnd $185,000

3933 Durban LaneGet inside to see this lovely home! Generous foyer opens tothe comfortable living room. Eat-in kitchen w/sliding doorsto large deck. Buyer to be approved by Landlord. Landlease fee $328.84/mth. Estimated taxes $160.37/mth.Maintenance plan Gold $162/mth or $105/mth.

$738.92 per/mth P&i / O.A.C.

grimsby $319,900

683 Ridge Road WestBeautifully decorated 3+1 bedroom bungalow. Updatesinclude granite kitchen counters, newer roof, furnace 07,updated windows, entry doors, and patio door. Large 16 x28ft. deck off kitchen. Rec room with wood burningfireplace, office area, great room, laundry, and storage.

$1277.73 per/mth P&i / O.A.C.

VinELAnd $649,900

3274 King StreetSpectacular, luxurious & Immaculate best describes thisawesome beauty sitting on 1.3 acres on the bench of theescarpment with panoramic views of Lake Ontariosurrounded by vineyards and neighbouring ranch, 4 bedrms,4 car garage, granite, hardwd flrs, + + + shows like a dream.

$2595.81 per/mth P&i / O.A.C.

bEAmsViLLE $379,900

4495 Frances CrescentPRESTIGIOUS 2 STOREY – Only 4 yrs new, featuresgrand foyer, oak stair case, gleaming hardwd flrs in familyrm w/showcase fireplace, maple kitch w/breakfast bar island,transom windows on main level, professionally finishedbasement, beautifully landscaped yard w/fenced yard.

$1517.38 per/mth P&i / O.A.C.

bEAmsViLLE $459,900

4960 Kennedy StreetEverything you wanted in a house and more – 4 bedroomswith professionally finished basement, fenced andlandscaped yard, beautiful maple kitchen with breakfast barand ceramic floors, backsplash, and located in a great familyneighborhood.

$1836.92 per/mth P&i / O.A.C.

WEst LinCOLn $639,900

8729 Twenty RoadCUSTOM BUILT home backing onto Twenty Mile Creek. Kitchenwith granite and large island, hardwood floors, pot lights, livingroom with cathedral ceilings and stone fireplace, large masterbedroom with hotel style ensuite. Thousands of dollars spent onexterior landscaping. This home is truly a dream come true.

$2555.86 per/mth P&i / O.A.C.

grimsby $699,900

253 Ridge Rd Spectacular Stately home sitting on 1.26 acres minutes todowntown Grimsby. Features 3+2 bedrooms, 3 bathrooms,gorgeous, updated, new designer kitchen, all seasonsunroom, professionally finished basement. Nothing hasbeen spared. A must see.

$2795.51 per/mth P&i / O.A.C.

grimsby $329,900

39 Mountain StreetLEGAL DUPLEX – In the core of Grimsby! Rare find, thisbeautifully maintained 2 self-contained: 2 BR & 3 BR units,sitting on 84x106 ft. lot, 2 new furnace & c/air 2006, allupdated vinyl windows 2010, new shingles 2001, & aprofessionally finished basement.

1317.67 per/mth P&i / O.A.C.

jOrdAn $547,000

2869 Prince William StreetBeautifully restored c.1908 craftsman home once was a post office,general store & train station. Currently used as 2 family home, & is alegal triplex. Exterior was refurbished in last 10 yrs incl. furnace,roofs, hot water heater, all plumbing & electrical. New sewer & waterlines in 2012. Antique heartwood pine plane flooring thru main levelw/master suite offering a field stone wood-burning fireplace.

$2184.81 per/mth P&i / O.A.C.

grimsby $849,900

2 Shoreline CrescentLAVISH TOP TO BOTTOM - Elegant home on LakesideCrescent. The new owner will reap the benefits of this overimproved custom reno’d home w/waterfront views. Featuresentrance w/marble floors, designer kitchen w/oak cabinets,granite counters, stone backsplash, cherry hardwood floors.

$3394.64 per/mth P&i / O.A.C.

VinELAnd $249,950

3380 Tallman DriveFantastic 4+1 bedroom family home features eat-in kitchen,spa bathroom, single attached garage, a large private fencedin backyard, easy highway access and walking distance toamenities. Updates incl: Tankless hot water heater, newflooring, roof aprx. 6yrs new, newer furnace & A/C.

$1247.93 per/mth P&i / O.A.C.

grimsby $429,900

81 Aspen DriveHOUSE & GARDEN! 2565 sqft executive home only 2.5yrs new, thousands in upgrades, large stylish maple kitchenwith granite counters, separate formal dining room, crownmoulding, oak staircase, large walk in closet off or mastersuite including ensuite bath.

$1717.09 per/mth P&i / O.A.C.

WEst LinCOLn $269,900

2024 Port Davidson WestPICKET FENCE CHARM! Completely re-done 1300 sq.ft.bungalow w/new addition. Features hand scraped teakhardwd flrs, porcelain & ceramic tiles, maple kitchw/granite counters, great rm w/cathedral ceilings, new septicsystem, 2500 gallon cistern, & a single 25x12.5 ft. garage.

$1078.02 per/mth P&i / O.A.C.

WAinfLEEt $899,900

40625 Feeder Road EastSpectacular 3500 sq.ft. 5 bedrm beauty, sitting on 59.60acres. Features maple kitchen with granite counters, mainflr master bedrm with rich hotel style ensuite, oversizedwalk in closet, gleaming hardwd flrs, professionally finishedbasement, 140x72 ft. riding arena, & 8 stall horse barn.

$3594.35 per/mth P&i / O.A.C.

bEAmsViLLE $599,000

4130 St. George’s DriveNew Hampton Model home! 3000 sq.ft. of pure luxury,loaded w/upgrades. Open concept w/hardwood, ceramic &porcelain flrs. Kitchen w/granite counters, glass backsplash& island. DR boasts coffered ceilings & wainscoting.Master bdrm w/double walk in closets & spa bathroom.

$2392.50 per/mth P&i / O.A.C.

bEAmsViLLE $454,900

4024 Bush CrescentOutstanding and immaculate! This Hillside Estate homeshows beautifully. Featuring maple kitchen with breakfastisland and butler’s pantry to dining room. 9 ft ceilings, 8 ftwide sliding doors to fenced and landscaped yard with large12 x 34 ft deck.

$1816.94 per/mth P&i / O.A.C.

grimsby $314,900

8 Stanley AvenueFantastic 2+2 bedrm home w/open concept main floor,custom maple kitchen w/breakfast bar, new vinyl windows,flooring, trim & shingles. Master bdrm w/walk-in closet,prof. fin. basement, above ground pool on huge lot.

$1257.76 per/mth P&i / O.A.C.

grimsby $449,900

364 Mountain RoadSprawling 3+2 bdrm home on aprx 1 acre. Eat-in kitchen,open concept LR, formal DR, den, master bdrm w/ensuite &walk-in closet, main flr laundry, & dbl car garage. 2ndkitchen, rec room, 3pc bath. Above ground pool. Manyupdates.

$1796.97 per/mth P&i / O.A.C.

SOLD ANOTHER ONE

SOLD ANOTHER ONE

SOLD ANOTHER ONE

SOLD ANOTHER ONE

SOLD ANOTHER ONE


www.golfiteam.com

Limited mobility and med-

ical conditions can make

seniors particularly vulner-

able during natural disasters.

Just consider some of the stories

that emerged after November's

Hurricane Sandy and how seniors

were dealt an especially hard blow.

Many were trapped without

power and water for days in high-rise

buildings.

Some took daring steps to escape

rising water.

Others drowned in their homes.

So planning for emergencies,

whether they're hurricanes in Florida,

blizzards in Newfoundland, or earth-

quakes and forest fires in California,

is critical for seniors and their care-

takers.

During the holiday season when

you're visiting with family and elder-

ly relatives, take some time to address

disaster planning.

Here are 7 basics.

1. Disaster kits. Put together an

emergency kit that allows your

family member to shelter in place

for several days. Include water

(enough for three to six days per

person, which equals at least one

gallon per person per day), flash-

lights, batteries, and non-perish-

able food.

Check the kit at least twice per

year to be sure batteries and food

are still fresh. Also, have a plan for

medicine and be sure there's a

back-up power strategy if loved

ones rely on electricity to power

special health equipment.

2. Resources. Understand the local

resources that are available to

seniors in advance of disasters.

Have phone numbers for the

province, county and local servic-

es available before a crisis.

3. Point people. Develop relation-

ships with your loved one's

neighbors and friends, particular-

ly if you live far away, and keep

their contact information current.

They could help evacuate your

relatives, provide shelter for

them, or keep an eye on them

during an emergency. They can

also give you some updates and

peace, if you can't be there to

help.

4. Staying informed. Be certain

that your loved ones have access

to the most current emergency

information. For instance, post

key phone numbers in a visible

spot and be certain a working,

battery-operated radio is accessi-

ble.

5. Pet plans. Many people, young

and old, end up in treacherous sit-

uations because they don't want

to leave their pets alone and

decide not to evacuate in an

emergency. So also plan for pet

care. Identify shelters that accept

pets, hotels where pets are wel-

come, or friends or family where

loved ones can go with their ani-

mal companions. In addition,

have a bag with pet food and

medicine and other necessities,

such as cages, leashes, and so

forth, ready to go.

6. Safety at home. Identify escape

routes and create a safe place

within the house or apartment

where loved ones can go during a

tornado or severe storm. Be sure

the space is comfortable and

equipped with necessities (chair,

blankets, and water, for example)

and that the space is accessible.

For instance, a crawl space isn't a

realistic safety spot for someone

who isn't agile.

7. Additional resources. Here are

some sites that feature checklists

and information to help you

develop a personalized plan:

• Canadian Red Cross: www.red-

cross.ca/article.asp?id=33841

• Government of Canada: www.get-

prepared.gc.ca/index-eng.aspx

Seniors’ Emergency Planning Musts

Want to buy a homebut have no money?

NO PROBLEM!

Buy a Home Today!Why rent when you can own?Are you unable to build up savings for down payment,but you have a good credit rating and a solid jobrecord?

Call THE GOLFI TEAM today for approval.

905-575-7700

100%FINANCING

5% CASH BACK DOWNPAYMENT


Winter presents its own unique set ofchallenges. It is not the ideal time to putyour home on the market if you livewhere it gets cold and rains or snows, pri-marily because your home won't show aswell. However, there are steps you cantake to brighten your home and make theshowing pleasant and enjoyable for yourbuyers.

1) Clear a Path• Continually shovel a path through the

snow, especially if it's still falling.• Footprints on freshly fallen snow will

turn to ice if the temperature is lowenough, so scrape the walk.

• Sprinkle a layer of sand over the side-walk and steps to ensure your buyers'stable footing.

• Remember to open a path from thestreet to the sidewalk so visitors aren'tforced to crawl over snowdrifts.

• If it's raining, put a rubber mat by thefront door or a container to hold wetumbrellas.

2) Let in the Light• Pull up the blinds, open the shutters,

push back the drapes on every win-dow.

• Turn on every light in the house,including appliance lights and closetlights.

• Brighten dark rooms with few win-dows by placing spotlights on the floorbehind furniture.

• Turn off TV.

3) Turn on the Heat• Pump up that thermostat. It's better to

heat the house a degree or two warmerthan usual and then set the temperatureat normal. This prevents the heat fromkicking on when the buyer is present,because some HVAC systems areloud.

• You want the temperature inside to becomfortable and to give the buyermore of a reason to linger, especiallyon a cold day.

• Light the fireplace, but open thedamper, place a grate in front of it anddon't leave it unattended for very long.

You don't want your house to catchfire!

4) Create a Mood• Make your living room appear roman-

tic by placing two champagne glassesnear a champagne bucket on the coffeetable.

• Toss afghans or throws across thearms of your sofa.

Turn your bathroom into a spa: • Hang plush robes.• Roll up wash cloths, tie with a ribbon

and place in a basket on the counter.• Set up a grouping of soaps, lotions and

shampoo.• Place vases filled with winter flowers

around the house.• Set a breakfast tray on the bed contain-

ing a coffee cup, saucer, napkin,rolled-up newspaper.

• Dress your dining room table for adinner for two.

5) Turn on the Music• Turn on soft music. I used to play

Enya until one day I heard it piped inat a mortuary.

• Jazz or classical is soothing.• Don't turn on a commercial radio sta-

tion - fill the CD changer so yourmusic will be continuous.

6) Ease Up on the Scents• Many people are allergic to certain

scents and deodorizers, so don't spraythe air or plug-in air fresheners.

• Don't burn candles or spray perfume inthe bedroom for the same reason.

• If you're going to bake cookies or sim-mer spices such as cinnamon in wateron the stove, put out munchies so buy-ers aren't disappointed. More than onesad buyer has said, "Oh, darn, Ithought there were cookies in here!"

7) Make it Visually Pleasing• Display photographs showcasing your

summer flower gardens and lush greenlawns.

• Keep blinds partially closed that other-wise show undesirable outdoorscenery such as a dilapidated fence ora nearby structure that obstructs

views.• Make Your House Sparkle:

Wash windowsClean out cobwebs.If necessary, re-caulk tubs, showersand sinks.Polish chrome faucets and mirrors.Clean out the refrigerator.Vacuum daily. If your carpeting isplush, vacuum in one direction.Wash and wax floors.Dust furniture, ceiling fan blades andlight fixtures.Bleach dingy grout.Empty trash and recycling bins.

8) Serve Winter Foods• Don't serve muffins or any other kind

of food that can be popped into themouth because you want buyers tostay for a while and notice elementsthey might otherwise miss.

• Hot soups such as tortilla, potato orsquash are delicious on a cold day.

• Chili or stew is a great alternative tosoup, but leave a receptacle for dispos-al of the paper bowls and spoons.

• Hot apple cider or cups of cocoa makegreat beverage choices.

9) Provide Specific Information• Attach printed cards to items and in

rooms that provide further informationthe buyer might miss or might not

know. You have so little time to makean impression.

• If you have an antique chandelier inyour dining room, put a card on it thatdiscloses its age and other importantdetails.

• If you have removed the washer anddryer from the laundry room, attach acard to the wall describing the room.

• If your basement stairs are steep,attach a card to the railing that cau-tions buyers to watch their step.

• Take care when placing a card thatsays: "Not included in the sale." Thatwill make a buyer want it, but you canplay that later to your advantage.

10) Use Timers and Technology toYour Advantage• Plug indoor lamps into a timer to auto-

matically turn on at times buyers willbe present.

• Consider using motion sensors thatwill light up in the evening when abuyer approaches your doorstep.

• Set your crock-pot on a timer to warmup soup at designated time.

• If you use an answering machine, turnit off or mute messages.

Elizabeth Weintraub, Broker-Associate,Sacramento, California.

Top 10 Tips to Home Selling in Winter

amoRTiZaTioN CHaRT

Monthly payment per $1,000

Length of Mortgage (Amortization Period)

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

Interest

Rate (%) 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

www.golfiteam.com905-575-7700

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Exposure Sells

Your Home


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VISIT OUR SHOWROOM TO MEET WITH A MEMBER OF OUR FRIENDLY AND KNOWLEDGEABLE SALES TEAM

289-969-6532

Are You goingthrough changes inyour life? Do you

need help deciding whether toremain in your current home ordownsizing?

Pamela Culp Blanchard’spassion for working with sen-iors stems from her personaland professional experiences.She explains:

“I have dealt with manyindividuals who have left theirhomes to move to a retirementhome. I know both sides of thestory.”

“I worked for 30 years in ahome for the aged, and neverregretted one minute of it. Idealt with elderly people com-ing into the new place of resi-dence. I could feel their hurt,and their family’s hurt; I alsoknow the hurt of clients coming

in who had no family that caredenough about them to be thereand support them, as well as,the ones whose family membershad passed away.”

“I have personal experiencecoping with family and parentillness and understand all thisencompasses. I know the emo-tional difficulties of the transi-tional steps one may take in car-ing for their aging loved ones.”

For Pamela, senior downsiz-ing is not about profit; it’s abouther compassion and empathyfor seniors. Pamela’s concern isabout being there when theyhave no one to help themthrough the process. She willassist in helping their familiesdeal with the downsizing andthe next stage of life. It’s aboutmoving or downsizing with dig-nity and as little stress as possi-ble. It’s about helping seniorsthrough the process of givingtheir life possessions to the oneswho will cherish them. It’s allabout treating others as shewould like to be treated. It’sabout following her passion.

Pamela has been a memberof Professional Organizers inCanada since 2009, where sheserves on the executive as

membership coordinator. Sheand her husband have four chil-dren and four grandchildren anda fifth one on the way. Theyalso have four cats and aGolden Retriever namedMarley who is proud to be thecompany Mascot. Marley is aGolden Retriever who wasadopted through the WellandHumane Society. He was a res-cue dog and loves it when ourclients invite him to come alongwith us.

Pamela is proud to SupportRob Golfi and The Golfi TeamRe/Max. Rob has acquired isSRES (Seniors Real EstateSpecialist) designation from theNational Association ofRealtors which is a designationfor Realtors to address theneeds of home buyers and sell-ers age 50+.

Be Clutter Free(www.beclutterfree.ca) is aremoval service for items thatare no longer required, inside oroutside. We also dogarbage/junk runs. We supportthe environment and the com-munity by donating the itemsyou no longer require to peoplein need, or charitable organiza-

tions. Items that cannot bereused are recycled wheneverpossible. We also provide pro-fessional organizing for yourhome and garage.

SeniorDownsizing.ca is adivision of Be Clutter Free,which was established byPamela Culp Blanchard in 2009to assist individuals in theorganization, de-cluttering, andmaintaining of their homewhich is their sanctuary.

Our Mascot Marley:

Senior’s Downsizing... Assistance is Available

Call Today 905-575-7700


Rob Golfi*

Hamilton, Stoney Creek,Ancaster, Dundas & Glanbrook

HAmiLtOn Ctr $174,900

11 Greenaway AveBeautiful all brick 2.5 storey single family home. Features 5bedrooms & lots of possibilities! Newer hardwd flrs,updated kitch & baths, clean & fresh décor, nothing to dobut move in! Includes single garage w/lots of parking &close to public transit.

$698.58 per/mth P&i / O.A.C.

HAmiLtOn EAst $219,900

542 Corbett StreetVery large raised ranch with high ceilings in the finishedbasement. 2 full bathrooms and in-law potential! Attachedgarage with inside entry and new 10x12 shed built in 2012.3 bedrooms with hardwood floors. Updated roof, furnace &C/A.

$918.25 per/mth P&i / O.A.C.

HAmiLtOn mtn $164,900

36 Poplar Avenue LOCATION, LOCATION! Walk to Juravinski, steps tomountain brow & shopping. Loads of character and perfectfor a young couple! This property features beamed ceilings,private back yard, front and back porch, updated 100 amppanel, and kitchen. Great rental location! Don’t miss out!

$658.64 per/mth P&i / O.A.C.


84 Onyx DriveIncredible 2600 sq.ft. 2-storey, 4 bedroom home withgorgeous hardwood floors, maple kitchen with granitecounter tops and breakfast island. Spa-like ensuite offmaster bedroom and large walk-in closet. Fantastic sizedining room with showcase fireplace in family room.

$1717.09 per/mth P&i / O.A.C.

HAmiLtOn WEst $299,900

163 Caroline Street SouthFirst time on the market, ever!!! Very unique layoutfeaturing an updated kitchen, boiler, roof, wiring, flooring,electrical panel, windows, doors, bathroom, main floorlaundry & beautiful den/sun room with updated skylightsoverlooking private yard!! Bonus double width driveway.

$1197.85 per/mth P&i / O.A.C.

HAmiLtOn Ctr $164,900

35 Stirton StreetUPDATES GALORE! SHOWS 10++ with loads of roomfor a big family. New kitchen & bathrooms. Owner isdownsizing, house is very clean. 3rd floor can be play areaor family room or 2 more bedrooms. Private rear yard witha fabulous deck, and a big front porch. Appliances included.

$658.64 per/mth P&i / O.A.C.

stOnEy CrEEK mtn $385,000

21 Summerfield AvenueGreat Stoney Creek mountain location! 3+1 bedroomsw/spacious rooms, master with ensuite and walk-in closet,updated hardwood flooring in living & dining room, and eat-in kitchen with oak cabinets. Beautifully landscaped lot with15 x 29 in-ground pool and large deck great for entertaining.

$1537.75 per/mth P&i / O.A.C.


90 Strawberry DriveRAVINE LOT! Beautiful all brick 4+2 bedrm w/3.5 bathsfeatures walk-up from basement with in-law potential, mainflr ldry, main flr family rm w/fireplace, eat-in kitchen,separate dining room. New furnace/central air & carpet inbasement. Great location, a walk to shopping & park.

$1497.41 per/mth P&i / O.A.C.

stOnEy CrEEK $350,000

39 Kilbourn AvenueOUTSTANDING IMMACULATE HOME! Completelyredone top to bottom gorgeous new kitchen w/granitecounters & tumble marble backsplash, updated bathrooms,new trim, pot lights, new gleaming hardwood floors,updated vinyl windows, fin. basement w/new Berber carpet.

$1397.96 per/mth P&i / O.A.C.


4-346 Highland Road WestLOCATION AND SHOWS 10+!! Treetop village end unitin upper Stoney Creek, well maintained and many updates.Minutes to LINC/QEW/REDHILL. Low Condo fees forinsurance and landscaping.

$1018.11 per/mth P&i / O.A.C.

HAmiLtOn $229,900

89 Nugent DriveNEAR SCHOOLS, BUSSES & SHOPPING! This 1 storeyhome is in a fantastic east end location and features greatsize living room, cozy kitchen, finished basement with 2additional bedrooms, new furnace 2007, new shingles 2005,some new vinyl windows, and a large fenced yard.

$925.00 per/mth P&i / O.A.C.

HAmiLtOn $159,900

91 Armstrong AvenueLovely & large 3 bedroom, brick home w/ double widthdrive. Spacious living rm w/ hardwood floors, bright eat-inkitchen, main floor bedroom & bathoorm, partially finishedhigh basement. Updates include: c/a (’07), front window(’10), shingles (’04), electrical on breakers.

$638.67 per/mth P&i / O.A.C.

HAmiLtOn $289,900

673 King St. EastLOCATION LOCATION! This incredibly maintained 2200sq.ft. corner property with commercial frontage and 2 add’tlapts features fantastic income, close to Cathedral highschool, new roof 4yrs new, 14 ft ceilings, hardwd flrs, fullbasement with newer wiring & parking space in the back.

$1157.91 per/mth P&i / O.A.C.

gLAnbrOOK $385,900

1635 Glancaster RoadRenovated country bungalow on 75x576 ft. lot minutes tothe city, custom maple kitchen with granite, Brazilianflooring, 20x20” tiles, new windows, shingles (’06). If youlove the country & want to feel like you are living in a newhome than this place is for you.

$1541.35 per/mth P&i / O.A.C.


39 Sasha CourtTRENDY AND STYLISH! This move in ready 6 yrs. new,2 storey, 4 bedroom home boasts maple kitchen with granitecounters & breakfast bar, 9ft ceilings, hardwood floors,show case fireplace in family room, fully landscaped withcoloured concrete drive. Shows like a dream.

$2196.39 per/mth P&i / O.A.C.


1966 Main Street W., Unit #103Well maintained condo overlooking peaceful gardens &picnic area, features 3 large sunny bedrms, spaciousliving/dining room, in-suite storage plus locker, saltwaterpool, sauna, tennis courts, great underground parking space& easy HWY 403/Linc access & McMaster.

$598.72 per/mth P&i / O.A.C.


39 Melbourne StreetWest Hamilton Gem! Steps from Locke St., walking distanceto schools. Shingles, soffit, facia, windows, furnace, A/C,wiring/panel, plumbing, prof. brick restore on entire house,flring, kitch, baths - 2012. Open concept kitch w/granitecounter tops. 9 ft. ceilings w/California knock down.

$1709.10 per/mth P&i / O.A.C.


1364 Highway #8CHARMING BUNGALOW TAKES YOU BY SURPRISE– this 2100 sq.ft. home sitting on park like setting countrylot 85x187 ft. backing onto wooded green space, featuresgorgeous oak kitchen cabinets w/granite counters tops,beautiful hardwood floors, and close to all amenities.

$1397.56 per/mth P&i / O.A.C.


95 Rolston DriveSCENIC VIEW! Fabulous home w/lots of extras, roll upshutters on some windows and sliding doors, huge familyroom with walkout, dining area walkout to balcony,irrigation system, dbl garage, loads of closet space & storage.Updates: kitchen, windows, shingles, furnace/CA & more.

$1354.02 per/mth P&i / O.A.C.

SOLD ANOTHER ONE

SOLD ANOTHER ONE

SOLD ANOTHER ONE


161 Glennie Ave5 BEDROOMS AND LOCATION ROCKS! Quiet court,walk to school & shopping. Big renovated eat-in kitchen(appl. included) with walkout to huge deck and pool. 200amp, updated windows, doors, siding, furnace and A/C,bathroom and foundation waterproofed from the outside.

$758.49 per/mth P&i / O.A.C.

www.golfiteam.com

Page 10 The Golfi Team Real Estate Market Watch November 15, 2012

MarketplaceMarketplace

Je� GreenCerti�ed Arborist Bus: 905-957-5818 Cell: 905-516-0640

Tree Inspection - Disease DiagnosisOrnamental & Shade Tree Pruning

Tree Surgery & CablingTree & Stump Removal

Tree & Shrub FertilizationSkid Steer Services Available

Attachments AvailableBackhoe

Post Hole AugerTree Spade

905-309-0909

www.budgetblinds.com/Grimsby

FREE IN HOME CONSULTATION

Truly Beautiful • Blinds • Drapery • Shutters David RybackRegional Sales Manager

Hamilton: 905-573-8776Grimsby: [email protected]

TAKE THE STRESS OUT OF MOVING!

Margaret WhorwoodAgent Lic. No. M11000188 Mortgage Planner

651 Fennell Avenue EastHamilton, ON L8V 1T9

fala português

www.mtgarc.ca/margaretwhorwood

TCFE

905.574.9200 x [email protected]

WE GUIDE YOU THROUGH THE ENTIRE PROCESSPamela Culp Blanchard 905-971-9568

Clutter Removal & Organizingwww.beclutterfree.ca

Senior Downsizingwww.seniordownsizing.ca

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]

Hardwood Floor Refinishing

The Quick, No-Sanding Solution for Beautiful Hardwood Floorswww.MrSandless.com

1-877-955-9663 • 905-304-3380 • [email protected]

P045151CN 4/04

State Farm® Providing Insurance and Financial Services

Canadian Head Offices: Aurora, Ontario

Craig Budd Ins Agcy LtdCraig Budd, Agent4289 Hixon StreetBeamsville, ON L0R 1B7Bus: 905-563-3453 Toll Free: 866-252-0035

Call Today 905-945-0188

Advertise Herefor information on advertising in the

market Watch, contact

Rose Magroemail: [email protected]

cell: 905-745-0122


Across

5 Persons of erudite tastes (9)

8 Pinnacle (4)

9 Harem (8)

10 Ignore (anag) — area (6)

11 Equipment (6)

13 New York river (6)

15 Severe food shortage (6)

16 Surrounded closely (6,2)

18 Pen-name of essayist Charles Lamb (4)

19 Postgraduate degree (9)

Down

1 Finlandia composer (8)

2 Selected (6)

3 Mount on which Noah's ark grounded(6)

4 Booty (4)

6 Planned to occur (9)

7 Thousand year periods (9)

12 Remarks (8)

14 Untidy (anag) (6)

15 Glad rags (6)

17 Natural satellite (4)

Crossword Puzzle (Solution on Page 4)

Walk Score® (www.walkscore.com)is a nifty site you can use both whenyou're shopping for a new neighbor-hood and when you're working with areal estate practitioner to market yourhouse.

The site measures walkabilityand ranks cities, neighborhoods, andspecific addresses on a 0-100 scale.

In calculating rankings, WalkScore® measures proximity to anarray of daily living necessities, suchas transit and health care and venues,such as restaurants, grocery stores,and parks.

How you can use Walk Score:Research your next home. If

walking is important to you as youage, you can type in a specific addressto see how a house or condo you'reconsidering ranks.

As an example, Walk Score givesone address in a lakefront neighbor-hood a 92 and calls it a Walker'sParadise because of its excellentaccess to public transit and restau-rants, and a grocery store that is situ-ated within 524 feet.

An address in a suburb 40 milesoutside one city ranks a mere 15.Why? To accomplish nearly allerrands, residents need a car. But

move within that same suburb'sdowntown and the score rises to 78because more amenities are accessi-ble on foot.

Thetford Mines, a Quebec town,scores a 52, and Walk Score describesit as somewhat walkable. Torontogets a solid 100 because, says the site,daily errands don't require a car.

Market your house. If you're selling your house, type

in your address to see its score. If it'sa good one, the number can be a mar-keting advantage. Be sure your realestate practitioner is aware of WalkScore and that he or she promotesyour home's high ranking in yourproperty’s marketing materials.

Some long-term care costs riseIn addition to a city's walkability,

another consideration when assessingretirement venues is the cost of care,whether that's nursing or assisted liv-ing facilities or in-home care.

MetLife Mature Market Institutereleased its annual survey, "The 2012MetLife Market Survey of NursingHome, Assisted Living, Adult DayServices, and Home Care Costs," andit's no surprise that some costs in theUnited States have risen.

Since 2011, for instance, nursing

home rates climbed by 3.8%. Theaverage price of a private room in aU.S. nursing home stands at $248 perday.

Care costs, of course, vary byplace, and even within a state and ametro area, rates can be quite differ-ent.

Seniors Real Estate Specialist is a designa-tion for REALTORS® to address the needs ofhome buyers and sellers, age 50-plus. If you arebuying or selling a home, contact Rob Golfi today.


905-575-7700

Do you know about Walk Score®? Coming soon to www.RobGolfi.com...

Beamsville

Executive Freehold Towns

www.GolfiTeam.com | 905-945-0188

Stylish 2-Storey 1,460 sq. ft. Townswith 9 ft. ceilings, nestled within a

brand new community park!

Sales Office Hours: Tues & Thurs 1-5pm, Sat & Sun 1-5pmMonday, Wednesday & Friday by appointment

QEW

King St.King St.

Cassandra Dr.

Sales Office

South Service Rd.South Service Rd.

Hillside Dr.

Ont

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Mou

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15 Unitsfrom

$246,900

6UNITSLEFT!

Jan. 1, 2013 Issue 62

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