May 20, 2014 Issue 94

WHAT’S INSIDE:HOMES FOR SALEHamilton, Stoney Creek, Ancaster,Dundas & Glanbrook ListingsPAGE 8

HOMES FOR SALEGrimsby, Lincoln, WestLincoln & Niagara ListingsPAGE 4

May 20, 2014 - Vol 64b

HOME EVALUATION NO COST • NO OBLIGATION905-575-7700 • 905-945-0188

Rob GolfiSales Representative

#80 - 515 North

Service Road

I would like to thank Rob and his teamfor their exceptional service.Rob was very professional andknowledgeable on the market trends –especially when it came to dealing withmy waterfront condo.I enjoyed working with Rob as he alwaysprovided great insight and answered myquestions without delay. His approach and guidance when dealingwith the offer on my home wasimpeccable and resulted in our homeselling for our full asking price.Rob exceeded my expectations! We highlyrecommend Rob and his team to ourneighbours, family and friends and lookforward to working with him again in thefuture.

Deborah 515 North Service Road

5 Things to Know WhenSelling PrivatelyPAGE 7

For Sale

by Owner

Page 2 The Golfi Team Real Estate Market Watch May 20, 2014

www.GolfiTeam.com

About Rob Golfi

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

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

clients had come to expect. Hence, “The Golfi Team”was formed, comprised of a select group of individualswho work well together and share Rob’s team philos-ophy. In 2003, the team received the prestigious hon-our of being in the top 100 Real Estate Teams forRE/MAX Canada*. And this status continues to date*.Rob has received every major award available atRE/MAX including the Diamond Club (2010-2012)*,100% Club (1999-2001)*, Platinum Club (2002)*,Chairmans Club (2003-2009)*, Hall of Fame (Inductedin 2003)*, and the Lifetime Achievement Award(Inducted in 2006)*, Circle of Legends (2013).*

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

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

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

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

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

tions January 1, 2003 – March 31, 2013.

Seniors Real Estate Specialist

is a designation for REALTORS® to address the

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

where the future takes shape

Rob GolfiSales Representative

905-575-7700

If you are buying or selling a home,

contact Rob Golfi today.

Visitwww.GolfiTeam.comCheck out our Blog for the latest

information in Real Estate

GRIMSBY $1,669,900188 North Service Road

Affordable End Unit Townhouse! 3 bedrooms with largemaster, open concept main floor. Updates include roof,exterior doors, partial fence and some of the bathrooms.Single car garage with loft storage.

$918 per/mth P&I / O.A.C.

Hiring a moverLearn about your consumer rights when signing a contract for moving services and get advice on hiring a mover.

May 20, 2014 The Golfi Team Real Estate Market Watch Page 3

Call Today 905-575-7700

Ask the right questions• Will the estimate be part of my con-

tract?

• Who is responsible for any damage orloss? Can you include that in my con-tract?

• Do you have insurance? Does yourplan cover things that i packed myself?

• May i visit your storage facility?

• How will we handle any disputes ordisagreements? Can that be included inthe contract?

Recommended for you• What to know before buying a home

• How to write a complaint letter and filea complaint

• Ontario’s guide to condominiums

Door-to-door and homeservice contracts

FAQs• What are some common home renova-

tion scams?

• What do i need to know before hiring aroofer or electrical contractor?

• How can i protect myself from mort-gage fraud?

Estimates and contractsBefore signing a contract with a mover,get at least 3 written estimates from dif-ferent companies.

Once you select a mover, make sure theestimate is part of your contract. Thisway, the mover cannot charge you morethan 10% above the estimated cost unlessyou:• have agreed to a new service or a new

price

• signed a change to your contract

This is the law under Ontario’s Consumer

Protection Act (CPA). All moving contracts worth more than$50 must be in writing. Under the CPA,your contract must include:• the mover’s name, address and contact

information

• a description of the service(s) and theirprices

• the total cost that you will have to pay,additional charges that may apply andtaxes

• start and end dates for the service

• the terms of payment (For example, ifyou will pay by cash or cheque)

Your contract should also include:• the size and value of the items

• who is responsible for any damage orloss

• an estimate of the number of boxes oritems that will be moved

• who is responsible for packing

• the type of packing containers that willbe used

• the number of staff, the number ofhours and size of the vehicle(s) that willbe needed

• any licences or customs documents thatmay be needed to cross a border

• the name of the person who holds thepolicy to any insured items

Selecting a moverWhen selecting a mover, remember:

• a reputable mover will inspect youritems and furnishings to prepare an esti-mate. Don’t deal with a moving compa-ny that says they do not need to look atyour things to give you an estimate

• to ask for references and check them. ifyou work with a local company it maybe easier to check references

• to ask if the company has liabilityinsurance. Many companies have insur-ance, but their plans often do not coverthings that you have packed

• to find out who is responsible for dam-age or loss and include it in your con-tract

to visit any facility where your items maybe stored. Don’t deal with a company thatwill not show you its storage spaceif you have household insurance, check ifyou have coverage for things that areaccidentally damaged or lost during amove. You may want to contact yourinsurance company and ask about buying

extra coverage.

On your moving day, we suggest you:• move valuable items (For example,

jewelry) and personal documents your-self

• supervise the pickup and delivery ofyour items

• make a note of any missing or damageditems on your contract or inventory listbefore the movers leave

A mover cannot hold your items or fur-nishings to demand extra payment. That’san unfair practice under the ConsumerProtection Act and it is an offence to doso.

if you pay the extra fee because you feelyou have no choice, write on the invoicethat you “paid under protest.” Keep acopy of the invoice and follow up withthe company, call the police or contact theConsumer Protection Ontario.

Complaining about a moverif you have a dispute with a moving com-pany, make sure to keep copies of all thedocuments that support your complaint.

Write the company a complaint letterexplaining the issue. if you cannotresolve the issue with the company, file acomplaint with Consumer ProtectionOntario.

Waterfront


ONE ACRE GATED LAKEFRONT ESTATE - Features 4 bedrm home, w/fully-finished basement, 180 ft of armourrock shoreline protection. Everything has been updated fromtop to bottom in this magnificent show piece. Separatebuilding can be a boat house or studio. View pictures on line.

$6,665 per/mth P&I / O.A.C.

WATERFRONT

GRIMSBY $885,000143 Lake Street

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


WATERFRONT

StOneY CReek $299,90080-515 North Service Road

SEASiDE ViLLAGES – Waterfront condo on upper levelshows like a dream, features beautiful hardwood floors,freshly painted thru-out, master bedroom with privateensuite, single car garage, gorgeous view of Lake Ontariowith park like setting over water’s edge, and quick access toQEW.


FORt eRIe $849,9001645 Niagara Parkway

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


StOneY CReek $1,769,9009 Lochside Drive

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


hAMIltOn eASt $949,900 1083 Beach Boulevard

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


WATERFRONT WATERFRONT WATERFRONT WATERFRONT

StOneY CReek $589,90090 Seabreeze Cres.

WATERFRONT RETREAT 1900 sq.ft, 1-1/2 storey homewith beautiful lake views. Features 4 bedrooms, 2-1/2 baths,vaulted ceilings, oak spiral staircase, professionallylandscape yards. Call for a private viewing today!


WATERFRONT

StOneY CReek $737,00037 Edgewater Drive

WOW! The lakefront view is breathtaking! Newport Yachtclub. 4 BRs, master w/ensuite, 2 way gas FP, & 9ft slidingdoor w/gorgeous view! Main flr is open concept w/hardwdflrs & FP in living rm, sliding doors to concrete deck in-ground lit path & fire pit at the lake’s edge. Fully finishedbasement!


WATERFRONT

FREE Home Evaluation: 905.575.7700 or 905.945-0188

FORt eRIe $849,9001645 Niagara Parkway

Custom built home facing the Niagara River, four largebedrooms, plus finished attic with roughed in bath for a fifthbedroom. Solid oak doors and trim throughout. Unspoiledbasement with walkout. New C/A, Furnace ‘01. Roof ‘05.Does not disappoint!


Call Today 905-945-0188

Rob Golfi*

Grimsby, Lincoln West Lincoln & Niagara

WeSt lInCOln $509,9002967 South Grimsby Rd., #18

SPRAWLiNG CUSTOM BUiLT 4 LVL BACK SPLiT -Sitting on 1 acre of manicured grounds, features cathederalceilings, beautiful hardwood floors, large country sizekitchen, sun filled rec-rm, landscaped with stamped concretepatio and driveway, heated & insulated oversized garage.


GRIMSBY $589,900168 Saw Mill Road

BACKiNG ONTO 40 MiLE CREEK-Custom newly built 2storey country home w/detached 3 car garage sitting on 1.36acres fenced, features open concept w/large family sizekitchen & island, 4 large sunny bedrooms, professionallylandscaped, high speed internet available, close to BruceTrail and minutes to town.


GRASSIe $779,9008058 Sheridan Court

CUSTOM BUiLT BUNGALOW – Sitting on 1.5 acres inquiet cul-de-sac features 3 bedrm 2200 sq ft of luxuryliving, beautiful hardwood floors, maple kitchen withgranite counters, ensuite bath, partallialy finished basement,oversized dble garage, Less than 10 mins to QEW


GRIMSBY $499,90034 Baker Rd. S.

Sprawling 3+1 bedroom, 1-1/2 storey home with main floormaster bedroom. Sitting on large lot in fantasticneighbourhood. Beautiful hardwood floors, showcasefireplace in family room. Partially finished basement, fencedyard. Available for immediate occupancy.


St. CAthARIneS $139,900130 Eastchester Ave.

DOLL HOUSE – Great starter home beautifully updated 2bedrm, 2 bath bungalow in move in condition! This homefeatures new flooring, windows, kitchen, large oversizeddetached garage, & quick access to QEW, busses andshopping.


SMIthVIlle $448,0007 Wade Road

Oversized lot can possibly be severed for a corner buildinglot or build a garage. Buyer to verify zoning reg. 4 level sidesplit in prime location on quiet deadend street. 3+2 bdrms,in-ground pool, walkup from bsmt, double garage, & largedriveway. Updated kitchen, windows, hdwd floors and roof.



ONE ACRE GATED LAKEFRONT ESTATE - Features 4 bedrm home, w/fully-finished basement, 180 ft of armourrock shoreline protection. Everything has been updated fromtop to bottom in this magnificent show piece. Separatebuilding can be a boat house or studio. View pictures on line.


SMIthVIlle $410,00055 Las Road

Large 2750 sq.ft. 4 bedroom family home located on a quietstreet in the prestigious Station Meadows. Features includehardwood flooring on both levels, large dining room, eat inkitchen, family room w/gas fireplace, unfinished basement,main floor laundry, formal living room, & much more.


GRIMSBY $349,900225 Hysert Road

GET OUT OF TOWN! 4 bdrm home sitting on 1.36 acres ofquietness, features hardwood floors, updated bathrooms, &fascia, eaves & siding, freshly painted, clean neat and tidy,30x17 ft. barn/workshop, and 3500 gal cistern. Close totown but far enough to enjoy country living.

1,398 per/mth P&I / O.A.C.

GRIMSBY $309,900541 Winston Rd., Unit #56

WATERFRONT ViEW – Freehold 3 bedrm end unit infantastic condition, features 1400 sq.ft. of luxuryw/unobstructed view of lake, beautiful hardwd & Berbercarpet flooring, stylish kitchen w/quartz counter top andglass back splash, quick access to QEW, $71.89/mo. road fee.


GRIMSBY $885,000143 Lake Street

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


GRIMSBY $519,900334 Mud Street West

48 ACRE HOBBY FARM - minutes to town & QEW,features 2 storey w/3 bedrooms and 2.5 baths, hdwd. floorson main level, spacious family room with wood burningfireplace, main floor laundry, partially finished basement,26x48 ft. out-building with hydro, & 5 acres of bush.


WATERFRONT

WATERFRONTPOSSIBLE SEVERANcE

48 AcRES

JORdAn $534,9003662 Glen Rd.

RARE FiND! Sprawling bungalow sitting on 1/2 acre ravinelot. 3+1 BR, large fin. basement, landscaped yard w/treedravine backdrop, great family home w/large addition to rear,custom oak finishes w/large dining & Florida rm overlookingthe backyard. These kind of properties rarely come up for sale!

$2,136 per/mth P&I / O.A.C.z

BeAMSVIlle $329,9005074 Charles Street

Gorgeous 3 plus 1 bedrm bungalow on an extra large lot inBeamsville, updates include kitchen, flooring, windows,entry doors, bathrooms, owned hot water tank ‘09, furnace‘08, and more. Large deck off rear patio door, mudroom,closed in sun patio, attached garage, inside entry. Possiblein-law suite.


BeAMSVIlle $229,9004353 Beverley Cr.

Affordable End Unit Townhouse! 3 bedrooms with largemaster, open concept main floor. Updates include roof,exterior doors, partial fence and some of the bathrooms.Single car garage with loft storage.


BeAMSVIlle $399,900Lot #201, Academy Street

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


BeAMSVIlle $174,9003 Meadowood Lane

BUiLDiNG LOT RARE FiND - Fantastic opportunity tobuild your dream home on this 50.00 X 108.00 ft lot!, Sewerand water to lot line. Buyer pays town, regional charges andpark dedication plus building permit, 4 lots available.Subject to severance in progress. HST may be applicable.


WeSt lInCOln $539,9008326 3rd Concession Rd.

HUNTERS & HOBBiESTS – Everything has been done tothis 3 bedrm raised ranch with 48x32 car garage orworkshop, sitting on 10 acres with 7 acres of bush. Updatesinclude windows & furnace 2011, updated kitchen cabinetswith granite counters & backsplash, professionally finishedbasement and much more.


BUILDING LOT


WATERFRONT

10 AcRES

1.36 AcRES

1.36 AcRES1 AcRE1.5 AcRE

FREE HomeEvaluation

Get your home sold Fast!

905.945.0188

Call Today 905-945-0188www.golfiteam.com

CALL NOW!

HOMESOLD

905-945-0188

HOMESOLD

GET YOUR

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Check out our Blog for the latest information in Real Estate

We SELL more...because we DO more!

Crossword Solution

When is a builder’spromise binding?You rely on a builder's marketing material and a new condo because ofan advertised feature. What happens if it’s not there?

By: Mark Weisleder Real Estate

Condominium buyers have launched a class-action lawsuit againstEmerald City Developments for a building at 70 Forest Manor Drivein north Toronto because the building does not having direct access to

the Sheppard/Don Mills subway station.Some buyers bought a unit based on the belief that it would it will be up

to the courts to decide whether this was an actual promise and if so, whetherbuyers are entitled to a reduced price for their units.

Related:North York condo developer faces $30-million lawsuitHere are the issues:

One of the items in the 2008 purchase and sale agreement says that thebuilding’s features include a “Lower lobby with direct access to the subwaystation.” This was also apparently promoted in marketing materials at thetime.

When owners started moving into their units this January, the building didnot have direct access to the subway from the lower lobby. Owners mustleave the building to get to the subway which is nearby. One buyer said thathaving direct access was important to him for safety reasons for his daughterto travel to the University of Toronto.

The original contract also contained the usual developer’s clause that saysthe builder can change plans and specifications of the building at its sole dis-cretion, or as required by any government. This is as long as it is not a mate-rial change, including any changes advertised in any sales brochure.

Related:Why a condo’s status certificate is importantin law, a material change is one that would cause someone to change their

mind and not buy a property. if the developer makes a material change, theyare obligated to give buyers 10 days to cancel the contract, even if the changeoccurs years after the original contract was signed. This was one of the argu-ments made by buyers suing the Trump condominium in downtown Toronto.They did not want to close, complaining that the financial promises made atthe time they signed their contracts were not true at closing.

The builder appears to be taking the position that since it will be relative-ly few steps from the building to access the subway, this was not a materialchange and does not merit any reduction in the price paid.

When you buy a pre-construction condominium, you have 10 days tochange your mind. Use the time to go to a lawyer to review your agreementso you understand what all the clauses really mean. You must also be awarethat you may not receive exactly what was promised, as the builder can stillmake changes to your square footage, the layout of your unit and the finish-ings, as long as these are not material, and you cannot complain. This is whyit is important to check the reputation of the builder. Go to other buildingsthey have completed and ask the owners the following questions:• Did they build what was promised?

• Did they finish on time?

• Did they correct any deficiencies in a timely manner?

• Do proper research before you buy, and you should not be disappointedlater.

The Golfi Team wishes to welcome our newest Sales Representatives

to our award winning team

Laura BielakSAlES

REPRESEnTATiVE

ROB GOLFISAlES REPRESEnTATiVE

Sam AssadiSAlES

REPRESEnTATiVE

Monique MackaySAlES

REPRESEnTATiVE

Jennifer DrahoSAlES

REPRESEnTATiVE


www.golfiteam.com | 905.575.7700 | 1.800.288.9184

VIOLET LOWESHARON

STAFFORD

CHRISTINE

SERAFINI

HANS

MARCELISSEN

ERIC PINI, B.A.

WENDY

MURRAY-

NICHOLSON

LAURA BIELAK

MIKE MCNEIL

SAM ASSADI

DAN GOLFI

MONIQUE

MACKAY

JEFF GOLFI

JENNIFER

DRAHO

THE ULTIMATE

SELLING TEAM

Call Today 905-575-7700

(May 6, 2014 – Hamilton, Ontario)The REALTORS ® Association ofHamilton-Burlington (RAHB) reported1474 property sales were processedthrough the RAHB Multiple ListingService ® (MLS ® ) system in April.This represents a 2.7 per cent decreasein sales compared to April of last year.

There were 2252 properties listed inApril, an increase of 1.6 per cent over thesame month last year. End-of-month list-ing inventory was 9.3 per cent lower thanlast year at the same time.

“Listing activity picked up through themonth of April,” said RAHB CEO RossGodsoe, “and was actually a little aboveaverage for the month of April for the last

ten years. Sales were about five per centabove the 10-year average, even thoughthey are lower than April a year ago.”

Seasonally adjusted* sales of residen-tial properties were 2.6 per cent higherthan the same month last year, with theaverage sale price up 7.3 per cent for themonth. Seasonally adjusted numbers ofnew listings were 5.7 per cent higher thanthe same month last year.

Actual overall residential sales were1.6 per cent lower than the previous yearat the same time. Residential freeholdsales were 1.8 per cent lower than lastyear while the condominium market sawa decrease of less than one per cent insales. The average price of freehold

properties showed an increase of 9.3 percent over the same month last year; theaverage sale price in the condominiummarket increased 9.5 per cent when com-pared to the same period last year.

The average sale price is based on thetotal dollar volume of all properties soldin the RAHB market area. Average saleprice information can be useful in estab-lishing long term trends, but should notbe used as an indicator that specific prop-erties have increased or decreased invalue.

The average days on market decreasedfrom 40 to 34 days in the freehold marketand from 42 to 35 days in the condomini-um market.

“Properties continue to move well and

aren’t spending as much time on the mar-

ket as last year, or even last month,”

added Godsoe. “We were commenting

on the low inventory last year at the same

time, and this year the listing inventory is

even lower. Buyers will need to take that

into consideration as they look for a home

this spring.”

Year to date, listings are 2.7 per cent

lower than the same January-to-April

period a year ago. Sales are 2.5 per cent

higher and the average sale price is 7.9

per cent higher for the period.

The numbers for the month of April,

2014 compared to April, 2013:

YTD Comparison Listed Expired Sold Average Selling Average Days Selling % ofAREA Feb 2014 / 2013 YTD YTD YTD Price on Market List Price

ANCASTER 2014 347 32 198 $496,985 49 98%

(DISTRICT 42) 2013 331 47 183 $458,113 57 98%

BURLINGTON 2014 1447 107 1014 $499,395 31 99%

(DIST. 30 to 36 & 38) 2013 1488 127 976 $476,849 33 98%

DUNDAS 2014 148 13 93 $386,969 33 98%

(DISTRICT 41) 2013 140 8 110 $376,869 52 98%

GLANBROOK 2014 191 29 112 $346,617 70 99%

(DISTRICT 53) 2013 222 27 142 $326,585 66 98%

GRIMSBY 2014 206 24 138 $354,473 45 98%

(DISTRICT 54,55) 2013 199 27 119 $361,839 58 97%

HAMILTON EAST 2014 341 32 238 $223,265 33 97%

(DIST. 23,24,27,28,29) 2013 362 39 271 $199,359 54 97%

HAMILTON WEST 2014 298 23 217 $335,182 35 99%

(DIST. 10, 11, 12) 2013 313 28 202 $305,636 38 99%

HAMILTON MTN 2014 762 59 556 $302,084 32 99%

(DIST. 15,16,17,18,25,26) 2013 779 77 566 $277,191 40 98%

HAMILTON CTRL 2014 456 50 345 $192,560 46 98%

(DIST. 13,14,20,21,22) 2013 541 87 398 $170,406 47 97%

BEAMSVILLE 2014 81 11 70 $320,677 54 98%

(DISTRICT 981) 2013 92 6 56 $287,162 41 98%

WEST LINCOLN 2014 28 8 16 $365,000 57 96%

(DISTRICT 56, 982) 2013 41 6 18 $397,750 74 97%

SMITHVILLE 2014 33 1 34 $284,388 72 97%

(DISTRICT 57) 2013 32 3 16 $234,875 62 97%

STONEY CREEK 2014 493 53 298 $351,253 42 98%

(DISTRICT 50,51,52) 2013 472 60 280 $328,575 43 98%

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

Municipal Year-to-Date StatisticsApril 2013 vs April 2014

Based on sales data on all home sales from April 2013 vs April 2014, REALTORS® Association of Hamilton-Burlington

Low InventoryContinues


Check out the Top Real Estate Site for Hamilton Wentworth!

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Crossword Puzzle

Across1 Ethiopian capital (5,5)7 Levy on cars etc (4,3)8 Loose-fitting shirt or cloak (5)10 Destiny (4)11 Side playing at their own ground

(4,4)13 Process of arrival (6)15 Seafood item (6)17 Envious emotion (8)18 Contract (a muscle) (4)21 Digger for gold or coal, say (5)22 Thick soft porous cake —

attractive person (7)23 Clumsy person — heavy shoe

(10)

Down1 Separate(d) (5)2 Shorter signals in the Morse code

(4)3 Church bell-ringer or grave-digger

(6)4 Flatter (6,2)5 Barmy (7)6 Bottleneck on wheels (7,3)9 Intricacy (10)12 (Of gossip) in circulation (8)14 Face cloth (7)16 Hitchcock classic (6)19 Person shunned socially (5)20 Evidence of pregnancy — knock

(into) (4)

The Solution

7 4 624 3 18 9 3

5 788 5

2 9 636 1

8 29

5 2 6 4

SUDOKUSUDOKU

715946 832

462318 579

893625 714

134597 286

687439 125

259871 643

978253 461

346182 95

521764 398

7

Fill in the grid above, so that

each row of 9 squares, each

column of nine and each

section of nine (three squares by

three) contains the numbers

1 through 9 in any order. There

is only one solution for the

puzzle and the numbers shown

can NOT be changed.

(Solution on Page 5)

5 Things to Know When Selling a Home by Yourself

Whenever i write about why youshould use a real estate agent tosell your home, the mail pours

in. i’m sure it will this week, too.i am a real estate lawyer and write

courses and teach industry players how todo their jobs more professionally and eth-ically. i also believe that in many casesyou will be better protected and makemore money selling your house if you usean agent. Not always, but in many cases.

Here’s why I think that:You don’t have to pay upfront: Do-

it-Yourself marketing companies are notreal estate agents. You usually pay$1,000-to- $2,000 up front, for pictures,videos and to have your home listed onthe MLS system. However, you get nomoney back if your home doesn’t sell.With a real estate agent, if your homedoesn’t sell, you pay nothing, even thoughthe agent may have spent a lot of timemarketing and using all of their own andtheir company contacts to sell your home.

Abidding war is unlikely: Bidding

wars are the norm in the GTA and otherparts of Ontario. in virtually all cases,the home is sold by a real estate agent.The reason is that it takes experience toprice the home properly. Second, theprocess is fair because no one knowswhat anyone else is bidding. With a pri-vate seller, there is no duty of confiden-tiality, so the seller can tell one buyerwhat another buyer is bidding. Buyersdo not trust the process so there is nobidding war.

You negotiate on your own: Whenyou do it yourself, it is difficult to knowwhat a fair price is for your home. Youmight have to pay an appraiser to findout. When a buyer hears that you aresaving commission, they will want tosplit the savings. So you don’t get all thecommission savings and you also haveto negotiate with a buyer who is likelyrepresented by a real estate agent. Thisagent will use all their experience to fig-ure out how low you will go, while giv-ing nothing away about their own buyer.

Related:Why you should consider adiscount broker

Not knowing your obligations:Sellers cannot rely on the term “BuyerBeware.” You have to disclose problemswith your home and you cannot hide orcover up anything. Otherwise, you canstill be sued after closing. Who wants acourt fight long after you move?

Lenders are more cautious whenthey see a private deal: i have seen dealscollapse this way. in one case, the lendersent their own appraiser because theywere concerned the buyer paid too muchmoney. The appraiser agreed and thebuyer’s loan commitment was cancelled.The deal died.

in another case, the seller was worriedthe buyers did not have proper financing.They wanted more proof about thebuyer’s financial situation than the buyerwas willing to give. Lawyers becameinvolved when things could not beworked out amicably. When buyers arerepresented by agents, they are usuallypre-qualified in advance so the seller canhave comfort that they will have themoney available to close the deal on time.

When you’re out for a walk this week-end have a look at the For Sale signs andsee how many are represented by realtors.There’s a reason for that.

By all means, try and sell your houseon your own, just beware that it’s not aseasy as it looks.

Selling a home by yourself means more money inyour pocket, but it’s a lot of hard work and there aresome things to think about.By: Mark Weisleder Real Estate

Is it worth it to try and sell your home on your own?

Why you should use a real estate agent to sell your home.

For Sale

by Owner


Call Today 905-575-7700

Rob Golfi*

Hamilton, Stoney CreekAncaster, Dundas & Glanbrook

StOneY CReek $619,90014891/2 #8 Hwy

OUTSTANDiNG & iMMACULATE custom built 1760sq.ft. all brick bungalow sitting on one acre with 3 cargarage, featuring beautiful hardwood through-out, stylishkitchen with granite counter tops, main floor laundry,partially finished basement with 3pc bath & rough in forkitchen.


hAMIltOn eASt $219,90050 Bell Avenue

LOCATiON ROCKS!! Fabulous South East address! This homeoffers location, charm & convenience! The kitchen is roomy andhas plenty of oak cabinets as well as being open concept which isperfect for entertaining! Living room w/decorative fireplace, largewindow & cove ceilings, & unfinished basement with 2pc bath.Walk to schools, parks & shopping.


hAMIltOn Mtn $319,900425 East 15th Street

CUSTOM BUiLT BUNGALOW ON HAMiLTONMOUNTAiN!! Original owner, detached garage with hydro,big concrete drive, poured concrete foundation with a 200sq.ft. cold room. Side entrance and full 3 piece bath in lowerlevel. Could be in-law setup or rental! Very well maintained!


StOneY CReek Mtn $420,00058 Foxtrot Drive

LARGE OPEN CONCEPT 3 + 1 bedroom family homewith formal living room/dining room, large eat in kitchen,family room with gas fireplace, home office or den on mainlevel, large master bedroom, fenced in backyard with aboveground pool, large concrete driveway, and double car garage


BInBROOk $239,90025 Viking Drive, Unit #1

FANTASTiC LOCATiON, SHOWS 10++. Award winningdesign 1198 sq.ft. end unit freehold w/condo road fee.hardwd flrs on main level, walkout to yard from finishedlower lvl, good sized storage space off of the garage. Verybright & modern w/nice views.


hAMIltOn CtR $189,900141 Melrose Avenue North

LOCATiON ROCKS!!! Very well maintained 3 bedroomhome in a family neighbourhood. Lovely family roomaddition w/hardwood floors, & huge closets in thebedrooms. Seller removed knob and tube in 2010. Updatesinclude most plumbing, main water line in 2009, furnaceand C/A in 2010.


BInBROOk $454,900117 Tanglewood Drive

STUNNiNG 4 BEDRM family home loaded with upgrades,new hardwood flooring, granite counters, upgraded 2 piecebathroom, finished basement, large fenced private yard.Large office in basement could be a 5th bedroom.


hAMIltOn CtR $279,900187 Sanford Avenue North

GREAT iNVESTMENT OPPORTUNiTY! Currently usedas 3 family home. Updates include furnace, water heater,and roof (2011). Basement unit $750, Main unit $950,Upper unit $1200. Tenants willing to stay.


hAMIltOn WeSt $469,90016 Kingsmount Street North

AMAZiNG 3 BR family home, great McMaster location!Separate 20x30 ft. heated garage. Updates include: furnace,C/A, roof, windows, entry doors, garage door, flooring,bath, eaves, & more. Fully Fenced yard w/above groundpool & 3 tiered deck.


hAMIltOn eASt $159,90023 Vansitmart Avenue

GREAT LOCATiON! This 3 bedroom, 1 bath home offersan open and inviting floor plan, a large kitchen with plentyof counter space and cupboards, and a fenced yard. Updatesinclude furnace and main roof in 2008. Close to shopping,buses, Redhill and QEW.


hAMIltOn $479,90072 Sanders Boulevard

WALKiNG DiSTANCE TO MCMASTER! 7 Good sizedBRs, 2 baths, lrg eat-in kitch, separate side entrance to in-law suite. Home currently rented til May ‘14 for$3,095/mth, tenants willing to stay. Updates: new furnace &A/C units ‘10, wired smoke alarms & all rooms are internet,TV, & phone wired.


hAMIltOn Mtn $329,900754 Stone Church Road East

iMMACULATE AND UPDATED!! This home has beenwell cared for and backs onto an empty lot. Family roomw/fireplace. Recent updates: kitchen w/new cabinets,backsplash & quartz counters, shingles 2013, furnace 2009,windows 2009/14, flooring, insulation, and big cedar shedw/overhang.


hAMIltOn Mtn $339,900193 Parkwood Crescent

FANTASTiC LOCATiON!! Walk to Limeridge mall &parks. This home features a spiral staircase, main floorfamily room w/gas fireplace, separate dining room, laundrywas on the main LVL and can be moved back, large partiallyfinished bsmt and fenced rear yard with deck. Shinglesreplaced in 2002.


BuRlInGtOn $1,250,000360 Plains Road, East

GREAT DEVELOPMENT OPPORTUNiTY - Value in land,zoned MXG re-development with commercial & residentialusage on 60 x 290 ft. lot. High traffic area, great highwayaccess!


hAMIltOn eASt $949,9001087 Beach Boulevard

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


StOneY CReek $737,00037 Edgewater Drive

WOW! The lakefront view is breathtaking! Newport Yachtclub. 4 BRs, master w/ensuite, 2 way gas FP, & 9ft slidingdoor w/gorgeous view! Main flr is open concept w/hardwdflrs & FP in living rm, sliding doors to concrete deck in-ground lit path & fire pit at the lake’s edge. Fully finishedbasement!


BRAntFORd $149,900342 Dalhousie Street

LOCATiON ROCKS!! Short bus ride to Wilfrid LaurierCampus. Convenient Location for Tenants. Both unitsoccupied on month to month. Side parking and hugebackyard. $475.00 + hydro/water upstairs and $650.00 +hydro/water downstairs. Seller pays gas and water heaterrental.


StOneY CReek $639,90071 Richmond Crescent

CUSTOM BUiLT! 3500+ sq. ft. home features LR/DR w/vaultedceilings, 3 way gas fireplace, main flr den & laundry, eat-in kitchen,oak cupboards & moveable island, prof. landscaped groundsw/sprinkler system, in ground pool, waterfall & shed w/shower.Family rm, 2nd flr loft, master bedrm w/ensuite, more bedrms &bonus room over garage. Lower level in-law suite. Loads of extras!


WATERFRONTWATERFRONT

FREE Home EvaluationGet your home sold Fast!

905.575.7700


TRIPLEX

2 AcRESPOOL

BInBROOk $409,900260 Binbrook Road

“OUT” BUT NOT “FAR OUT” – Half acre beauty w/thesweet smell of country all around, spacious 4 lvl back splitfeatures lrg. living rm w/new bay window, cozy family rmw/showcase gas fireplace, bedrooms w/original hardwoodflrs, updated bathrm, private yard, & oversized dble garage.


hAMIltOn eASt $449,900327 Webster Road

iMMACULATE best describes this awesome 4+1 bedrm,2200 sq.ft., all brick home on premium lot. Hdwd floorsmostly throughout, kitchen w/granite counters & breakfastbar, oak staircase, fin. basement w/bedroom & full bathroom.


StOneY CReek $589,90090 Seabreeze Crescent

WATERFRONT RETREAT 1900 sq.ft, 1-1/2 storey homewith beautiful lake views. Features 4 bedrooms, 2-1/2 baths,vaulted ceilings, oak spiral staircase, professionallylandscape yards. Call for a private viewing today!


StOneY CReek $549,900124 Second Road East

JUST UNDER 3 ACRES 4+1 bedroom, 2 storey home.Reno’d 7 years ago to include an open concept main floor w/large dining room for entertaining. Upstairs feat largebedrooms & 2 full baths. in-law w/separate entrance. 3 carheated garage (woodstove) for all the toys.


hAMIltOn CtR $279,90051 Bristol Street North

BEAUTiFULLY RENOVATED 2 storey, 3 bedroom homewith 1.5 bathrooms including a main floor powder room,Cherry wood kitchen, updated windows, roof insulation,kitchen, driveway, exterior, plumbing, electrical furnace andthe list goes on! Nothing to do but move in!


StOneY CReek $399,900723 Ridge Road

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


hAMIltOn eASt $117,90095 Hope Avenue

CUTE ONE FLOOR PLAN, and same owners for 24 years!!Front concrete drive, nice fenced in backyard w/slidingdoors from kitchen, new windows and doors. Great location,close to new Centre Mall and parks.


WATERFRONT

3 AcRES

Homes For Sale

ANCASTER

Bungalows/

Raised Ranches

Starting at $349,900

28 Available

Two Storeys


108 Available

Semis & Town Homes


46 Available

DUNDAS

Bungalows/

Raised Ranches


12 Available

Two Storeys


23 Available

Semis & Town Homes


13 Available

HAMILTON EAST

Bungalows/Raised Ranches

Starting at $99,000

42 Available

Two Storeys


21 Available

Semis & Town Homes

Starting at $99,999

29 Available

HAMILTON MTN



76 Available

Two Storeys


120 Available

Semis & Town Homes


38 Available

HAMILTON WEST



14 Available

Two Storeys


31 Available

Semis & Town Homes


7 Available

HAMILTON CTR


Starting at $89,900

16 Available

Two Storeys

Starting at $69,900

89 Available

Semis & Town Homes

Starting at $89,900

31 Available

STONEy CRk UPR



5 Available

Two Storeys


34 Available

Semis & Town Homes


19 Available

STONEy CRk LWR



29 Available

Two Storeys


77 Available

Semis & Town Homes


31 Available

GRIMSBy



23 Available

Two Storeys


48 Available

Semis & Town Homes


16 Available

LINCOLN



29 Available

Two Storeys


34 Available

Semis & Town Homes


28 Available

WEST LINCOLN



12 Available

Two Storeys


5 Available

Semis & Town Homes

Starting at /

0 Available

GLANBROOk



28 Available

Two Storeys


48 Available

Semis & Town Homes


49 Available

Call Us Today for information on Any of these Homes!

905-575-7700 • 905-945-0188

Bungalows & Raised Ranches Two Storeys • Semis & Town Homes

Rob Golfi*

Hamilton, Stoney CreekAncaster, Dundas & Glanbrook

GlAnBROOk $358,00060 Midanbury Way

iMPRESSiVE 4 BEDROOM home features a great mastersuite with a luxurious ensuite and walk in closet. Too manyfeatures to list! Eat-in kitchen with patio doors to fenced inyard, main floor laundry, separate dining room and minutesto HWY 6 access. This one won’t disappoint!



HouseMaster is proud to be the oldest and most experienced name in home inspections. The HouseMaster Franchise System has over 35 years of home inspection experience. HouseMaster offices have collectively performed over 2 million inspections, continuing a long tradition of quality and integrity. HouseMaster provides home buyers and sellers an independent, third-party, professional evaluation of the condition of the major elements of a home and serves the Burlington, Hamilton and surrounding areas. We are number one in North America for customer satisfaction for a reason - let us show you why! 7

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Home InspectionImagine having nothing to eat.

Over the last 2 years, the Golfi Team proudly helped raise over 5680 lbs of food for local food bank.

Please donate to your local food bank –it’s the neighbourly thing to do.

www.GolfiTeam.com

MarketplaceMarketplace

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

Senior Downsizing

WE GUIDE YOU THROUGH THE ENTIRE PROCESS

HOME STAGING

Jacqueline Paradisi

Paul lewis SettimiBarrister, Solicitor and Notary Public

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

20 Main Street WestGrimsby, Ontario L3M 1R4

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

Real estate lawyer

[email protected]

We Guide You Through The Entire Process

Pamela Culp Blanchard Cell: 905-971-9568

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Rose Magroemail: [email protected]

cell: 905-745-0122

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664 Fennell Ave. E., Hamilton, Ontario L8V 1V1Hamilton: 905.575.7700 | Grimsby: 905.945.0188

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Dealership:1885 Upper James St.,

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Kia of Hamilton

1.877.432.7294 905.547.7726 | Sales: 905.547.7726 | Sales: Hamilton Ontario L9B 1K8

Kia of Hamilton

Hamilton Ontario L9B 1K8

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www.robgolfi.com 1.800.288.9184 | Fax:

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www.GolfiTeam.com

May 20, 2014 Issue 94

Documents

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