Nov. 1, 2011 Issue 36

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

November 1, 2011 - Vol 33

Rob GolfiSales Representative

Feature Home

Grimsby $675,000487 Ridge Road East

Beautiful setting from the iron gates to the spectacularview of the woodlands Bruce Trail & 30 Mile Creek.This home has had a complete makeover from the interi-or to the exterior. Call 905-575-7700 for a private view-ing today!


We Remember…

November 11

MarketWatch November A_MarketWatch_Transfer.qxd 28/10/11 6:12 PM Page 1

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

www.GolfiTeam.com

Since the inception ofhis career in 1997,Rob Golfi has

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

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

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

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

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

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

About Rob Golfi

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.

1 3 92

9 7 6 4 5

2 71

2 3 4

7 5 89

5 1 6

4 8 7

7 4 25 6

6 9 42 5

SUDOKUSUDOKU

186359 742

973621 458

542987 163

269175 834

734568 921

851246 397

425813 679

317492 58

698734 215

6

8

Maximum Exposure

Sells Your HomeCall the Golfi Team to get

your Home Sold

905-575-7700

905-945-0188

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

The Golfi Team mails

65,000

copies of the MarketWatch monthly!

There is no better way to expose

your home to the market!

More Buyers…More Offers…

MORE MONEY $$$Ask us How!

Exposure to GTA &

Out of Town Buyers!


stonEy CrEEK $229,900

1026 Highway #8Big bungalow in Stoney Creek on the Winonaborder! Country living minutes to Eastgate Mall& easy hwy access. Big bright rooms & updatedfurnace, c/air & windows, 2 car parking, big frontdeck, easy care lawn & landscaping, great value,& fantastic neighbours! Call 905-575-7700.

Hamilton $219,900

54 Alanson Street Unit# 101Gorgeous & functional loft at the foot of theescarpment! Private entrance at the front of thebuilding w/porch. Open concept w/exposed post& beams, hardwd flrs & windows galore. Fullyfinished lower level, gas fireplace, & BR levellaundry. Walk to Rail trail & Wentworth stairs.

binbrooK, on $319,000

28 Powell DriveAmazing open floor plan in this Flamingo Homeloaded with over $20,000 in upgrades.Outstanding value with hardwood floors, upgradedcarpeting, French doors, central vacuum, oakstaircase, upgraded railings, inside entry and more.Bring your clients to view this home today.


6 Darrow DriveGreat sought after location in Stoney Creek.Hardwood in living and dining rooms, big eat inkitchen, huge family room with a gas fireplaceover garage, concrete double drive, walkway andpatio. Separate dining room, fully finished bsmtwith extra kitchen. Call 905-575-7700 today.

Hamilton $139,900

806 Concession StreetWell maintained, cozy 3BR bungalow. Built-incabinets, fenced yard w/large deck. Close toHenderson Hospital, Mountain Brow/Shermanaccess. Updated shingles, freshly painted, 100amp breakers, fantastic move in condition! Call905-575-7700 today.


21 Watercliff PlaceStunning 4 bedroom Lake Pointe home steps fromthe lake and near 50 Point Marina. Large formalliving & dining room, eat-in kitchen with granitecounters. Master has and his/hers closets & spa-like master bath with soaker tub. Patio doors leadto deck with gazebo and large backyard.

Hamilton $119,900

90 Hope AvenueRenovated 2 bedroom bungalow w/great hwyaccess. Double rear drive, all appliances included.Immediate possession available. Basementwaterproofing 25 year transferable warranty,updates includes flooring, bathroom and frontporch. Get inside! Call 905-575-7700 today.


23 Highgate DriveCustom built raised ranch (1996) with over 2600sq ft of living area near a park. 3+2 bedroom, 3baths, 2 kitchens, 1.5 garage with a double drive.Top quality materials used with over $50,000spent in basement. New roof in (2011), freshlypainted, ducts cleaned in (2010). Get inside!


3 Beachgrove CrescentFabulous find, 2 storey home w/3 spacious BRs,lrg sunny LR & DR combination w/sliding doorsleading to maintenance free & private fully fencedback yard w/gazebo, concrete drive, new shingles2005, new furnace & c/air 2005, close to Linc &Red Hill & all amenities.


90 Whitefish Crescent“The perfect 10!” 2 storey, 3 BR, 1715 sq.ft.freehold! 1.5 car garage & parking for 3 cars,open concept, computer loft & covered balconyw/view. Hrdwd flrs in LR, kitchen, DR & pantry.Upgraded stainless steel appliances & carpet.Ensuite, 3 walk-in closets & steps to Lake.

East Hamilton $199,900

154 Rosewood RoadCozy & Desirable East Hamilton 2 bedrm dollhouse! Features hardwd floors under broadloom,finished rec rm in basement, mostly vinylwindows, updated furnace, detached garage,appliances included, close to busses, shopping &parks.

stonEy CrEEK mtn $389,900

1889 Rymal RoadGorgeous raised ranch w/updates within the last2yrs! Incl. shingles, furnace, hardwd, carpet,hot-tub, new pool liner, Cherry wood kit.cabinets w/granite, windows ‘05 , eaves trough& facia, bathrm ‘08, backing onto conservationw/private gate, & a 400 sqft workshop w/power.


#6 171 Highbury Immaculate 2 storey 3 bedroom end unit withlow condo fees, large master bedroom withwalk-in closet, large eat-in kitchen with ceramicfloors, private deck, fantastic location close toRymal, Linc & Redhill Expressway, schools andall amenities. Plenty of visitor parking.


518-500 Green RoadBeautifully maintained and upgraded suite withbreathtaking views from windows and balcony.Features new furnace & c/air system, new 800series doors, freshly painted, amenities includepool, gym, sauna, library, work shop, squashcourts, locker #14, and a parking spot.

Hamilton $79,900

11 Keith Street3 bedroom Semi! Granite cunters & floors,crown molding, 100 amp breakers, finishedbasement, roof 2010. Main floor has openconcept eat-in kitchen, dining room and livingroom. Upstairs has 3 spacious bedrooms and afull bathroom. Great family home!

Hamilton $324,900

65 Princeton DriveThis all brick oversized 4 level back split infantastic Sherwood heights neighborhood isavailable for immediate possession! Featuresupdated vinyl windows, updated shingles, beautifulhardwood & ceramic flrs, second kitchen in lowerlvl, great in-law potential, sun-rm, & fence yard.

stonEy CrEEK mtn $279,900

129 Slinger AvenueCharming raised ranch. Beautifully landscaped,ideal for growing family. Features new stylishkitchen with pantry & breakfast bar, hardwd flrsin front room & hallway. Enjoy lounging in thefully finished basment w/bedroom & bathroom.Close to amenities & schools.Call 905-575-7700.


1323 Baseline RoadBeautiful 3 BR brick bungalow! Oak kitchencabinets, open concept kit. overlooking LR &DR, circular oak staircase, Mbed w/4 pc ensuite& walkout, spacious bedrms, concrete walkways& patio, fully fenced private yard, rough-incentral vac & close to Fifty Point Conservation.


35 Riviera Ridge4+1 bdrm in prestigious loc’n! Fresh paint &crown mouldings. Plus porcelain tile, kulmhrdwd, main flr. den, lrg eat-in kit, livin rm, sep.dining rm & main flr. laun. New shingles (08) &undergrnd sprinkler system. Call 905-575-7700today.

Call Today 905-575-7700

Hamilton $95,900

399 Fairfield AvenueSpacious 1 BR bungalow! Incl updated kitchenw/lots of counter space, fenced yard, new roofshingles & high efficiency furnace (gas on equalbilling $66.00 month!), 100amp on breakers, bigrear deck w/awning, big bathrm & lots of storagein bsmt. Can be 2 BR if needed. Shows great!

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

Rob Golfi

Hamilton & Stoney Creek


Call Today 905-575-7700


GET YOUR HOME

SOLD TODAY!905-575-7700 / 905-945-0188

*#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 $60 Million in Sales Annually**

3 #1 Real Estate Office in Hamilton-Burlington Region*

3 Amongst the Top Sales Representatives in Ontario**

3 Golfi Team ranked Top 50 Teams in Canada for **

3 Golfi Team ranked Top 100 Teams in the World for **

Facts About GOLFI…

2003 2006 201020031998

LOOK WHAT WE'VE SOLD!


OVER $400 MILLION IN REAL ESTATE SALES

Grimsby $324,900

29 Princess Blvd.Desirable Neighbourhood! Large 4 bedroomhome close to parks, water and highway access.Many updates C/A, windows & exterior foors,garage door, shingles, basement reno, ensuite,blown-in insulation & new hot tub. Sprinklersystem front & back. Private fenced in backyard.

smitHvillE $369,900

26 Hornak RoadSpectacular & immaculate best describes thisawesome 4 BR home in Station Meadows! Sittingon a premium lot, approx 2140 sqft. this homefeatures, 9’ ceilings, oak staircase, hardwd flrsthroughout, stylish kitchen w/granite counters &breakfast bar, fenced yard w/concrete patio.

Hamilton $189,900

546 Roxborough Ave.Renovated to the studs! 3 bedrooms & 2 fullbathrooms. All new wiring, insulation, furnace,C/A (2 yrs), roof, siding, kitchen, windows, 2new bathrooms including ensuite. Main floorbedroom & laundry. All appliances included.Side drive. This home exceeds standard!!!


15 Sasha CourtCustom-built home in the heart of Stoney Creek.approximately 2,900 sqft with 4 Bedrms. Largekitchen with Maple cabinets, butler run/serveryto dining room, hardwood & ceramic throughout.Oak stairs, covered 8' x 17' back porch.Unspoiled basement with R/I bath & fruit cellar.

binbrooK $289,900

38 Topaz Street5 year old Losani built 2 storey home! Checkthis one out! Detached 3 bedroom home withbedroom level laundry and open concept design.Exposed aggregate walkway and patio completethe fenced in rear yard with shed. More @www.Golfi.ca


125 First Road WestFantastic 3 bedrm, 2 stry home in immaculatecondition! Features beautiful hardwood in living& dining rm with oak stair case, finishedbasement with rec-rm & wet bar with spa likebath, concrete drive & patio, shingles 2008, newgarage door, fenced yard, rm sizes approx.

Hamilton $152,900

64 Cope Street3 bedrm brick beauty w/ long side drive &garage. Some newer vinyl windows, largeprinciple rooms, separate dining room, walk-inclosets, fenced yard, freshly painted, new eaves& downspouts directed away from home,original hardwood floors & high baseboards.

Hamilton $399,900

25 Melbourne StreetTrendy & Sylish move in ready & close to LockSt. Features fully finished basement with in-lawset up with separate entrance & additional 4 carparking at rear, upgraded designer kitchen withdoors leading to large deck with awning,beautiful hardwood & California shutters.

Hamilton mtn $259,900

75 Windrush CrescentFabulous family home on large lot (57’x100’).Same owner for 32 years. Updates include:shingles(’08), garage exterior(’10), back deck &railing(’10), windows(approx.5 yrs), professionallypainted in August, kitchen resurfaced(’11), ensuiteprivilege, walk-up to yard & possible in-law.

East Hamilton $229,900

635 Dunn AvenueCharming bungalow will surprise you! Featuresall new carpeting, hardwood flrs, master bedrmw/french doors, updated bathrms, finishedbasement with in-law & gas fireplace, updatedvinyl windows & doors, 18x30 insulated garagew/220 volt, & mostly new weeping tiles.

SOLD TO TORONTO BUYER

SOLD TO MY CASH BUYER



SOLD FOR 98% OF LIST IN 30 DAYS

SOLD FOR 99.9% OF LIST

SOLD IN 48 DAYS

SOLD IN 35 DAYS

SOLD IN 25 DAYS

SOLD WITH MULTIPLE OFFERS


Call Today 905-945-0188


Rob Golfi

Grimsby, Lincoln & West Lincoln Area

bEamsvillE $339,900

4092 Mountain StreetWant quality, this house is for you! This one flrplan incl. $20,000 in extras, California knockdown ceilings, rounded corners, 120 sq.ft. ofhrdwd flrs, upgraded trim package, maple kit,asphalt drv & much more! Approx 1445 sq.ft.similar to be built.

Grimsby $269,900

446 Main Street WestFabulous ½ acre property backs onto greenspace. 4 bedrm home & 25x35' oversizedgarage/workshop, affordable enough to buildnew or renovate. This home offers new shingles& furnace ‘03, beautiful cast iron fireplace, lotsof parking space, and easy access to QEW.

Grimsby $349,900

3 Hewitt DriveEscarpment views! Features beautiful maplekitchen w/granite island & breakfast bar,hardwood & ceramics throughout, great roomw/cathedral ceilings & gas fireplace, incredibleopen concept floor plan, fenced yard, & a highenergy efficient home.

smitHvillE $399,900

146 Rock StreetOutstanding & immaculate Custom built 2350sq.ft. Facing park, loaded w/upgrades, featuresmaple kitchen with antique finish and granitecounters, gleaming hardwood flrs, porceline tile,California shutters, luxury ensuite master bedrmwith French doors leading to 16x24 covered patio.

Grimsby $369,900

519 Ridge Road East1.37 acres on escarpment ravine near BruceTrail! Features geothermal system Jan ’10,insulated roof, newer windows, amazing lowenergy costs, large 2.5 car garage, large deckw/above ground solar heated pool, and charmingcedar-sided home with large eat-in kitchen.

WEst linColn $328,500

9407 Silver StreetAmazing updated home on 100 x 200 ft lot, builtin 1953, has an open concept living room/diningroom with hardwood floors, huge master suite,New high efficiency gas furnance/CA, updatedmain bath, entry doors, & water conditioner.Bonus room over the garage.

bEamsvillE $236,000

5126 Conner Drive 2 storey freehold town home 1386 sq ft. Similarto be built. 90 day closing avail. Incl. great sizedBedrooms w/3pc ensuite & walk in closet offmaster, kit w/breakfast area overlooking famrm,attached to neighbouring unit at garage w/accessfrom garage to rear yard, & min to all amenities.

Grimsby $309,900

14 Marlow AvenueCustom-built 3 bedrm bungalow, open & invitingfloor plan w/gorgeous hardwood, spaciouskitchen w/breakfast bar and sliding doors leadingout private fenced back yard, large master bedrmw/ensuite and double garage with 4-car drive.Near schools, parks and quick access to QEW.

Grimsby $1,050,000

238 North Service RoadCustom built 2-storey waterfront property withstunning Lakeviews! Gorgeous hardwood floors,master bedroom with walk out to balcony & gasfireplace w/rich hotel style ensuite, soaring 10ftceilings, large designer kitchen w/granite, greatbig windows. Shows like a dream.

bEamsvillE $241,900

5120 Conner DriveFabulous end unit freehold Bungalow 1,110 sqft!90 day closing avail. Come & visit our modelhome & be wowed on this Energy Guide &Tested Home. Incl great size bedroomss w/3 pcensuite off master, kitchen area overlookingfamily rm, attached to next unit only at garage.

WATERFRONT BUNGALOW

bEamsvillE $324,900

4856 King StreetExtensively Renovated Century Home. Reno’s inthe last 5 yrs inc kitchen, 2 bathrms, most drywall,crown mould, most light fix, 3/4” hardwd flrs,ceramic tile, pool pump, filter and lining,basement finished & the list goes on.

Grimsby $459,900

68 Lake StreetBeautiful, spacious 3+1 bedroom family homewith old-world charm, on park-like setting.Located on large 75' x 195' lot with 25' x 32'tandem deep garage. Beautiful restored hardwoodfloors, upgraded doors and trim throughout.$1000s spent on upgrades and updates.

bEamsvillE $749,900

4816 Mountainview Road North2 storey, 3000 sq.ft. on 6.75 acre hobby farm!Upgrades incl new hardwd, new kitchenw/granite, new carpeting w/up-graded under pad,Mbed rm w/luxury ensuite, 3 season sunrm, gasFP, new c/air & furnace, updated shingles, 2storage out buildings, & quick access to QEW.

Grimsby $349,900

153 Lakeside DriveCharming bungalow w/family rm addition that willtake you by surprise! This 3 bedroom homefeatures vinyl windows, bright bathrm, hardwdflrs, shingles ‘11, skylight, beautifully finished rec-rm w/wet bar & games area, private treed yardw/perennials, extra long garage, & close to Lake.

Grimsby $399,900

442 Main StreetCharacter home set along Grimsby’s tree linedstreet. Features new kitchen, updated baths, newfurnace c/air & water heater, new shingles &plywood 2002, all vinyl windows, hardwd underall broadloom, 2 storey garage 45x26 ftw/finished loft above with furnace & bathrm.

bEamsvillE $649,900

5225 GreenlaneHobby Farm, 3.27 acre immaculate apple farm couldearn you $30-$45 thousand a year, close to allconveniences, beautiful home w/oak trim, 2 fireplaces,underground sprinkler system, 2 large coolers, sandysoil, close to QEW, great opportunity. See morepictures at www.golfiteam.com. Call 905-575-7700.

vinElanD $334,900

3380 Dustan StreetLakefront community living in comfort and style.This 2 bedroom bungalow features relaxing frontporch, 9ft ceilings, 2 full bathrooms, central airconditioning, spacious deck off of kitchen, mainfloor laundry. Homeowner Assoc. fee $30/mo foruse of waterfront clubhouse and beach.

Grimsby $675,000

487 Ridge Road EastBeautiful setting from the iron gates to thespectacular view of the woodlands Bruce Trail &30 Mile Creek. This home has had a completemakeover from the interior to the exterior. Call905-575-7700 for a private viewing today!

bEamsvillE $239,900

4656 Mountain StreetCharacter home on a large 60'x 180' lot! Newfurnace ’07, shingles & plywood ’10, Newelectrical ’11, Garage/workshop is 25' x 33', somenew windows & doors, original oak wood flooringon Main level, 3.5"w pine flooring upstairs, largedeck with beautiful big yard & mature trees.

Grimsby $399,900

28 Sumner CrescentAwesome 4 bedroom home features slate &brazilian cherry floors, custom cherry kitchencabinets, custom drapery, professionally finishedbasement, new central air and furnace, new liner& pool pump '08, hot tub, mostly vinyl windows.



Call Today 905-575-7700


Sharon StaffordSales Representative

Heather ReidSales Representative

Hans MarcellissenSales Representative

Wendy Murray-NicholsonSales Representative

Ashley SidlerSales Representative

Dena ZlatarSales Representative

Mike McNeilSales Representative

Rosemarie FournierListing Co-ordinator

Jaclyn RossOffice Manager

One of the most widely readMoneyville (moneyville.ca)stories in the past month is

the one about the Oakville home that waslisted for $1.

The house was originally listed formore than $1 million. However, when nooffers were received, the price wasreduced to $1 in the hopes of creating abidding war. Instead, the ruse generatedaccusations of false advertising. While afew offers did come in, they werenowhere near what the sellers wanted, sothe property was taken off the market.

Readers were angry and confused.Although few really believed the housewas for sale for $1, they wonderedwhether this gimmick was legal and,more importantly, did it actually work? Itis legal, but the tactic generally doesn’twork because everyone sees through it.

The $1 listing started appearingabout five years ago. In the beginning, itwas about getting the property noticed orcreating a buzz. In reality, it was moreabout creating a buzz about the real estateagent, who received lots of media expo-sure. But it didn’t help sell the house. Infact, many agents have told me they andtheir buyers have not treated these $1 list-ings seriously in most cases.

When it comes to the law, real estatedeals have to be in writing and signed bythe seller and the buyer. Just offering tosell a home on the MLS system does notobligate the seller to accept any offer thatis presented.

That is why if a house is listed for$500,000 and you offer $500,000, theseller doesn’t have to accept it. The finan-cial terms may not be acceptable, the sell-er may have realized later that they had

priced the property incorrectly. Or, per-haps the seller suffered a change in cir-cumstances, such as losing their job, andcould no longer afford to go through withthe deal.

But this does demonstrate the impor-tance of properly pricing your property toattract the largest number of potentialbuyers. Do not try to “test the market” byadvertising a price that is 10 to 20 percent above fair market value. You willonly succeed in helping sellers who areselling in your area for fair market value,as they will be able to compare theirhome to yours. Later, as you start toreduce your price, people will wonderwhether the reduction is because some-thing is wrong with your home that is notbeing disclosed.

Also, do not price your home morethan 7 to 10 per cent below fair market

value, hoping to trigger a bidding war.Buyers and buyer agents are more sophis-ticated now about pricing and can recog-nize this tactic, as well. In a way, it is notmuch different than the $1 listing strategy.

If you want to price your home tosell, first do the proper home staging tomake it appeal to the widest number ofpotential buyers. Then, after obtainingopinions as to what your home should sellfor, price it at a range between fair marketvalue to, at most, 5 per cent below fairmarket value.

By being more open and honestabout the price you will accept, you willattract the most serious buyers who areready to purchase a home.

Mark Weisleder is a lawyer, author andspeaker to the real estate industry.

Contact him at [email protected]

Are $1 real estate listings legal?

Gimmick isn’t against the law, but it doesn’t help sell a house

Home evaluationNo Cost or Obligation

Call Rob Golfi today!

905-575-7700 / 905-945-0188


www.golfiteam.com


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Call Us Today for Informationon Any of these Homes!

905-757-7700 • 905-945-0188



www.golfiteam.com

MenusOnly.com is an online restaurant menuguide connecting you with great restaurants inthe Hamilton and Burlington areas. Browsethrough restaurant menus, view pictures ofrestaurant dining areas, patios, and menuitems, and print local restaurant coupons all inone place. MenusOnly.com – a perfect diningexperience starts here.

BONDSEAL CANADAThe Waterproofing Specialists

Specializing in Concrete Crack Repairs:Dry, Seeping or Gushing

All MethodsInterExterior

John [email protected]

HOLIDAY BOOK DRIVEThe best gift you can give this holiday season is the gift of literacy. Across the

world and even in our own community, thousands of young children, teens, andadults are left without books to challenge their minds, to cuddle up and read to theiryoung ones, or to simply enjoy while sipping a nice cup of warm tea or coffee thiswinter. The Rob Golfi Team and Absolute Simplicity - Home Staging/InteriorDecorating, value literacy and the importance it has on learning. Together as ateam, they will be hosting a Book Drive and are asking for your help in spreadingthe joy of reading. Books will be donated to the Community Access to ChildHealth (CATCH) Program. CATCH is a community development program whichoffers playgroups, a lunch program, after school programs and a women’s group.Children and youth who use CATCH visit the book bank to browse and choose afree book, which they can take home and keep – a luxury for many children.Children can visit as often as they like.

Books will also be distributed to the local Stoney Creek Book Bank. The bookbank provides books for children from newborn to Grade 8 to support and developan interest in, and success in reading, self-esteem and pride of ownership.

The Rob Golfi Team and Luisa Giaitzis from Absolute Simplicity want tothank you in advance for your generous donations. We wish you a very MerryChristmas and a Happy Holiday.

For more information and links visit www.absolutesimplicity.ca

Luisa Giaitzis (IDDP, ISRP) Rob Golfi, The GolfiTeam

905-515-0341 905-575-7700www.absolutesimplicity.ca www.golfiteam.com

[email protected] [email protected]

Deadline for drop off is December 22, 2011

Drop off locations:

REmAx EScARPmEnT REALTY Inc., BROKERAGE: Stoney Creek News Office:

333 Arvin Avenue - 8:30am to 5am Monday to Friday.

CATCH Office: 350 Quigley Rd.

The Rob Golfi Team Office: 664 Fennell Avenue East - 9am to 5pm Monday to Friday.

HomeevaluationNo Cost or Obligation


905-575-7700 / 905-945-0188



Call Today 905-575-7700

Visit our Website!View any of the listings

in this publication at

www.GolfiTeam.com

Extra pictures, More details Check it out!

Each year, from November 5 to 11, Canadians join togetherto celebrate Veterans’ Week - this year is no different.During this week, hundreds of commemorative ceremonies

and events will take place across the country to recognize the achieve-ments of our Veterans and honour those who made the ultimate sacri-fice.

Today, many Canadian Forces members are returning home frommissions around the world. Canadians recognize the commitmentmade by our service men and women and their families. They, alongwith past generations of Veterans, have made many sacrifices in thename of peace and freedom.

This Veterans’ Week, take the remembrance challenge. Your chal-lenge is to make remembrance more than something you feel, make itsomething you do. There are many ways to show that you rememberand honour our Veterans:• Pin a poppy above your heart.

• Attend the local Remembrance Day ceremony.

• Talk to a friend or relative who has just returned home fromAfghanistan or who served in other areas of conflict.

• Listen to Veterans talk about their experiences.

• Create a mashup and share it on the YouTube Channel (Opens anew window) and on our Veterans' Week Remembrance Feed.

• Visit the Veterans Affairs Canada Facebook fan page (Opens a newwindow), write on our wall and share how you remember.

• Change your Facebook profile picture to a poppy.

• Blog, tweet or update your Facebook status about the importance ofremembrance.

• Download the "We Remember" mobile app.

Above all, we must vow never to forget. However you choose toremember, be sure you tell a friend, a family member or a colleague.Together, it is our duty to pass on the legacy and keep the memories ofour Canadian Veterans alive.

This Veterans' Week, how will you remember?

Veteran's Week – november 5 - 11How will You Remember?

Your house will get noticed FiRStwhen listed by the Guy

who gets noticed the moSt!




www.golfiteam.com

289-969-6532

During November each year, Movember is responsible for the sprouting ofmoustaches on thousands of men’s faces, in Canada and around the world.With their “Mo’s”, these men raise vital funds and awareness for men's

health, specifically prostate cancer.On Movember 1st, guys register at Movember.com with a clean-shaven face. For

the rest of the month, these selfless and generous men, known as Mo Bros, groom, trimand wax their way into the annals of fine moustachery. Supported by the women in theirlives, Mo Sistas, Movember Mo Bros raise funds by seeking out sponsorship for theirMo-growing efforts.

Mo Bros effectively become walking, talking billboards for the 30 days ofNovember. Through their actions and words, they raise awareness by prompting privateand public conversation around the often ignored issue of men’s health.

At the end of the month, Mo Bros and Mo Sistas celebrate their gallantry and valorby either throwing their own Movember party or attending one of the infamous GalaPartés held around the world by Movember, for Movember.

The movember Effect: Awareness & Education, Survivorship, ResearchThe funds raised in Canada support the number one male cancer, prostate cancer. The funds raised are directed to programs run directly by Movember and our men’s

health partner, Prostate Cancer Canada. Together, the two channels work together toensure that Movember funds are supporting a broad range of innovative, world-classprograms in line with our strategic goals in the areas of awareness and education, sur-vivorship and research.

For more information on the programs we are funding please visit the following on-line:

Prostate Cancer Canada; Awareness & Education; Global Action Plan

movember - a Global movementSince its humble beginnings in Melbourne Australia, Movember has grown to

become a truly global movement inspiring more than 1.1 Million Mo Bros and MoSistas to participate, with formal campaigns in Australia, New Zealand, the US, Canada,the UK, Finland, the Netherlands, Spain, South Africa and Ireland. In addition,Movember is aware of Mo Bros and Mo Sistas supporting the campaign and men’shealth cause across the globe, from Russia to Dubai, Hong Kong to Antarctica, Rio deJaneiro to Mumbai, and everywhere in between.

No matter the country or city, Movember will continue to work to change estab-lished habits and attitudes men have about their health, to educate men about the healthrisks they face, getting them to act on that knowledge thereby increasing the chances ofearly detection, diagnosis and effective treatment.

In 2010, nearly 119,000 canadian mo Bros and mo Sistas got on board, Raising $22.3 million cAD.

Big steps have been taken towards changing attitudes and habits relating to men’shealth around the world but there is still much to be done to catch up with the women’shealth movement. Via the moustache, Movember aims to fulfill its vision of having aneverlasting impact on the face of men’s health by continuing to spark conversation andspread awareness of men’s health each year.

More information can be found on: movember.com



Call Today 905-575-7700

AMORTIZATION CHARTMonthly payment per $1,000

Length of Mortgage (Amortization Period)

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

You want to buy at the best pricepossible. You want your monthly pay-ment to be as affordable as possible. Youwant your home to increase in value asmuch as possible. To make sure all thathappens, it is important to look beyondyour individual purchase before you buy.A REALTOR® can help you examine themarket conditions, assist you in evaluat-ing mortgage options and financing at themost attractive prevailing rate.

Affordability GuideHow much can you afford? This

depends on a number of factors. The mostimportant are your gross householdincome, your down payment and themortgage interest rate.

The first affordability rule is thatyour monthly housing costs shouldn't bemore than 32 percent of your grossmonthly income. Housing costs includemonthly principal, interest, taxes and

heating expenses (p.i.t.h.). If applicable,it also includes half of monthly condo-minium fees. Lenders add up these hous-ing costs to determine what percentagethey are of your gross monthly income.This figure is your GROSS DEBT SERV-ICE RATIO (GDSR).

The second affordability rule is thatyour entire monthly debt load should notbe more than 40 percent of your grosshousehold monthly income. This includeshousing costs and other debts such as carloans and credit card payments. Lendersadd up these debts to determine what per-centage they are of your gross householdmonthly income. This is your TOTALDEBT SERVICE RATIO. (TDSR)

About the Down PaymentA mortgage is security for a loan on

the property you own. It is the differencebetween your purchase price and yourdown payment. The greater the down

payment, the less you have to borrow, andof course, the smaller your monthly mort-gage payment. A few options of downpayment include your savings or a non-repayable gift. There are other optionsavailable to you and this can be discussedwith your REALTOR®.

Other costs to be Aware of when you Buy

This is a list of possible extra costsinvolved in buying a home. Some of themare one time costs and others, such ascondominium maintenance fees andproperty insurance, will be ongoingmonthly expenses. THE GOOD NEWSIS THAT NOT ALL OF THESE COSTSMAY APPLY IN YOUR CIRCUM-STANCES.

• Appraisal fee - if your loan is notinsured your lender may require aproperty appraisal for mortgage pur-

poses. A basic appraisal is somewherebetween $150. & $250.

• Land Survey Fee - Your lender willrequire a survey unless you are pur-chasing a condominium.

• Land Transfer Tax - This applies inmost provinces, including Ontario. Itvaries as a percentage of the property'spurchase price. It is usually between1% - 4%.

• Home Inspection Fee - Inspectors inOntario are unregulated so fees canvary. They range from $150 + GST to$350 + GST. Larger homes may costmore to inspect. A two-hour inspectioncarried out by an engineer who pro-vides a written report will cost closerto the upper limit.

• Mortgage Broker Fee - A broker maycharge a fee to find you a lender.

• Property Insurance - This insurancecovers the replacement value of thestructure of your home and its con-tents.

• Lawyer fees - A lawyer is required tosearch the title, draw up mortgagedocuments and tend to closing details.Lawyers fees range depending on thecomplexity of the deal.

• Moving Costs - The cost of a profes-sional moving company or a rentaltruck if you move yourself.

• Prepaid Taxes or utility bills. -You willhave to reimburse the seller on a pro-rated basis if some bills have been pre-paid beyond the closing date.

Discuss your financing options witha REALTOR®, your banker or a financialadvisor.

BUYInG A HOmE - an importantlifestyle and investment decision

Home evaluationNo Cost or Obligation


905-575-7700 / 905-945-0188

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

3.00 17.96 9.65 6.90 5.54 4.73 4.21 3.84

3.50 18.18 9.88 7.14 5.79 4.99 4.48 4.12

4.00 18.40 10.11 7.38 6.04 5.26 4.76 4.41

4.50 18.62 10.34 7.63 6.30 5.53 5.04 4.71

5.00 18.85 10.58 7.88 6.57 5.82 5.34 5.01

5.50 19.07 10.82 8.14 6.84 6.10 5.64 5.33

6.00 19.30 11.07 8.40 7.12 6.40 5.95 5.65

6.50 19.53 11.31 8.66 7.41 6.70 6.26 5.98

7.00 19.75 11.56 8.93 7.69 7.00 6.59 6.32

7.50 19.98 11.81 9.21 7.99 7.32 6.91 6.66

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

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


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Nov. 1, 2011 Issue 36

Documents

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chairmans club

platinum club

thegolfi team

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f i t e

stoney creek

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