April 1, 2010 Issue 10

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April 2010 - Vol 16

P R E S E N T E D

B Y

T H E

G O L F I

T E A M

D L O S R E H T O N A ONE 27 Garth Trails, Hamilton

Hey Rob, Great job! We got top dollar for our home, and quickly with very little disruption to our lifestyle. The team approach is fabulous, great to see how well everyone works together. You are definitely our Realtor for life Rob, I can count on your Team to get the job done!

Adam

just listed

CODE # B4071

4071 Bush Crescent BEAMSVILLE

$349,900 Gorgeous 4 Bedroom Home

Finished top to bottom with huge maple kitchen with breakfast bar and oversized slider to 2-tiered decking. 4 spacious bedrooms, master with and walk-in closet. Quiet location close to parks in popular Bench Area.

Rob Golfi Sales Representative

Visit www.RobGolfi.com for more details.

Sharon Stafford Sales Representative

Heather Reid Sales Representative

Hans Marcelissen Sales Representative

Wendy Murray-Nicholson* Sales Representative

Penny Bryce Sales Representative

Sarah Dallicardillo Administrative Assistant

Sell Your Home with the GOLFI TEAM The GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada RE/MAX has over 18,000 Sales Representatives in Canada

Rosemary Fournier Administrative Assistant

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The GOLFI TEAM Real Estate Market Watch

About Rob Golfi

S

ince the inception of his career in 1997, Golfi has Rob recognized that understanding his clients’ needs is essential to providing excellent service.

As business grew, Rob assembled the Golfi Team in an effort to maintain the same level of professionalism clients have come to expect. Shortly thereafter in 2003, the team received the prestigious honour of being among the top 100 Real Estate Teams for RE/MAX Canada, and this status continues to date.

Rob’s experience and aggressive negotiating skills have earned him every major honour awarded by RE/MAX, including President’s Club, 100% Club, Platinum Club, Chairman’s Club, Hall of Fame, the Lifetime Achievement Award in 2006 and the SRES® designation in 2009.

Having worked with many of the industry’s professionals

by: Rob Golfi

over the years, he has the necessary edge to best negotiate the sale of your home.

Any agent can list your house, but Rob’s knowledge, marketing extensive background and dedication gives clients peace of mind when dealing with the single most important investment in their lives. With years of combined experience, the Golfi Team can provide your home with a level of exposure that most agents cannot. Utilizing a team approach also means that they will likely find a purchaser to buy your home sooner, rather than waiting for other agents to approach you with potential buyers.

Ranked in the top 5 of nearly 2,000 sales agents in the Hamilton-Burlington and Niagara areas, listing with Rob and the Golfi Team is the right choice when choosing someone to represent your best interest. -Å

SUDOKU 8 3 9

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The Truth about HST: Good or Bad News for Ontario Consumers?

Rough economic times once again pave the way for another provincial tax increase. Is the ‘Harmonized Sales Tax’ (HST) good or bad news for Ontario? This is an answer that only time and tax payer’s money spent will tell. Presently, the provincial government needs to find a way to generate another source of revenue to alleviate some of the financial strain posed by the increased demand on government budgets for services such as health care and pension plans. The good news is that HST will generate more revenue to create new credits, but the bad is that it will increase certain costs. How much? Effective July 1, 2010, the new tax will combine Ontario’s Provincial Sales Tax (PST or RST) currently at 8% with the Federal Sales Tax (GST) at 5% to make a total “Harmonized Sales Tax” of 13%. HST will be administered the same way as GST, but in the form of a value added tax. This will result in provisions to business credit claims, allowing tax paid by businesses to flow through and be reimbursed by input tax credits, reducing production costs and passing them on to consumers.

How will HST affect the Real Estate Market?

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April 2010

The Harmonized Sales Tax will definitely have an impact on the Real Estate market, being a source of revenue – the question is “To what extent?” In the past, some items were subject to both taxes or only PST or GST. Goods were generally charged with PST and GST, and most services only GST. For instance, items such as

insurance premiums were only subject to PST. In the case of a real estate transaction, if someone were to purchase a property and needed to insure it, that insurance would only be subject to PST. The same would apply for a high ratio insurance premium if a buyer wanted to apply for a high ratio mortgage. Commission, legal fees and new homes in the past were only subject to GST and some new home rebates. What will change?

Everything that was once subject to only one tax will become subject to the new combined (harmonized) tax as of July 1, 2010. However, rebates will still remain in place. This will apply to all service fees incurred during a real estate transaction including commission, home inspections, legal services and insurance premiums in the case of a new-build or resale home that has been substantially renovated and claimed for an input tax credit. Though there are some exemptions to note. Resale residential real estate may not be subject to the tax if it has not been substantially renovated and the Seller has not claimed an input tax credit.

As frustrating as the truth may appear at this point in time for consumers, it is important to note that if we want access to government funded services, we, as taxpayers, will need to continue to bite the bullet somewhere. Unfortunately, this is something that may be difficult to do during recessive economical periods.

This is not a subject that is going to disappear anytime soon. In preparation for this provincial change, Ontarians should become informed and find a way to account for the -Å added tax in advance.

6 7 2

1 4 8

3

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.

“The first little pig made his house from straw. But it had a super kitchen, a huge finished basement, and four bathrooms, so the wolf bought the house instead of blowing it down!”

www.golfiteam.com

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Page 3

Grimsby & Lincoln Rob Golfi* just listed

just listed

SOLD R HE ANOT E ON

CODE # B4071

CODE # D236

$349,900 BEAMSVILLE Gorgeous 4 Bedroom

$349,900 GRIMSBY Elegance & Charm

Finished top to bottom with huge maple kitchen with breakfast bar & oversized slider to 2-tiered decking. 4 spacious bedrooms, master with ensuite and walk-in closet. Quiet location close to parks in popular Bench Area.

Gorgeous 2 storey 3 bdrm family home boasts a bright foyer, ceramic floor, Palladian windows, 2.5 baths and fireplace in upper level family room. Main floor laundry, finished rec room, eat-kitchen and doors to private deck, concrete walk-way and fenced yard.

CODE # P77

CODE # B31

$389,900 Open Concept

$629,900 GRIMSBY Escarpment Setting

Wonderful 3 bedroom with upper level family room with gas fireplace. Large kitchen with triple garden doors to pressed concrete patio and fenced yard. Spacious master has 4pc ensuite and walk-in closet.

Incredible 2900 sq ft all brick 4BR home backing onto escarpment. 9’ ceilings, gorgeous rich hardwoods, gleaming granite counters, gourmet Kitchen. Huge master with luxury 5pc ensuite. Professionally finished basement.

GRIMSBY

CODE # N4801

CODE # Y9597

CODE # SC7441

BEAMSVILLE $349,900 4 Bedroom Beauty

WEST LINCOLN $229,900 Quiet Country Setting

WEST LINCOLN $299,900 8.9 Acres of Country!

BEAMSVILLE $259,900 Prime Commercial

Fabulous neighbourhood! 4 bedroom backing onto pond and parkland. Huge principle rooms, gleaming hardwood, 2 storey vaulted ceiling, Palladian windows and Juliette balcony. Family room with gas fireplace.

1,100 sq ft, 3 bedroom bungalow built in 2002.

Open and bright with high basement that's partially finished with 2 rooms and a rec room that just needs flooring. 3,000 gal cistern, gas furnace and 100amp breaker service. Close to Caistorville Golf Club.

Unique stone front situated on a beautiful rural property that backs onto picturesque Chippawa Creek. 900 ft frontage on South Chippawa Rd offers great seclusion. 3 bedrooms, huge principle rooms, eat-in kit & sun room.

Downtown core storefront with large window, front and back entrances can suit 2 businesses or 1 large one. Rear parking and municipal lot.

New furnace, 2pc bath. 1800 sq ft of business space with GC zoning, plus 2 bedroom apartment on upper level.

CODE # K4993

SOLD R HE ANOT E ON

SOLD R HE ANOT E ON CODE # E61

CODE # K3619

GRIMSBY $374,900 Upscale Living!

VINELAND $328,900 4 Bedroom 2-Storey

Large corner lot in upscale neighbourhood.

Open concept custom kitchen with expresso cabinetry, walk-in pantry & island breakfast bar and Great room with gas fireplace. Upper level family room, 3 bedrooms & laundry. Close to schools & shopping!

Scenic Wine Route location! Stately centre hall plan. 4 bedrooms, 2 fireplaces, formal living room and separate dining room. Updated oak kitchen has built-in appliances. Finished basement has walk-up to back yard.

CODE # W7

CODE # M200

GRIMSBY

$324,900 Country Living

Country living close to town! 3+1 bedroom raised ranch on 120x165 lot. Huge kitchen with tons of cabinets and counterspace has slider to deck. Spacious rec room with cozy fireplace.

Great family home with room to roam.

GRIMSBY $225,000 3 Bedroom Freehold Plenty of updates in this 3 bedroom freehold.

Quality finishes like Brazillian Cherry hardwood in LR/DR, updated kitchen w/instant hot water faucet, electric retractable 12x14 awning over deck and more! Finished basement.

Waterfront

SOLD R HE ANOT E ON GRIMSBY

CODE # I237

CODE # l143

CODE # S53

$439,600 Country Perfect!

GRIMSBY $1,499,900 Fabulous Lakefront

GRIMSBY $369,900 Walk to the Marina

Fabulous waterfront property! Custom built 3000 sq ft home with Lake views every room.

Maple hardwood floors, granite counters, master suite with access to back deck, ensuite and walkin shower. Handicap adaptable!

Gracious double door entry to this 2 storey 4 bedroom home. Sweeping Oak staircase to both upper and lower levels. Formal dining room & awesome family room, huge kitchen has ample counterspace and cabinetry.

Gorgeous 3+1 BR on scenic country acre.

Totally renovated with quality finishes and presents like a magazine showcase! Amazing 2 tired deck from custom kitchen. Huge shop with 220V service, dbl garage and much more!

Waterfront

CODE # K5

GRIMSBY

$208,900 Quiet Location

Loads of potential and priced to move! New roof 09, refaced kitchen, windows 06. Spacious living room, separate dining room. Fenced yard, large 12 x 24 deck and parking for 6 cars!.

Waterfront

3.2 acres

SOLD R HE ANOT E ON

CODE # C33

CODE # R19

CODE # l71

$649,900 Lakefront!!

GRIMSBY $649,900 4 Bedroom Custom Built

GRIMSBY $1,499,900 2 Acre Lakefront

3+1 bedroom in Bal Harbour with gleaming hardwood floors and new broadloom. Great room has wall-to-wall windows and spectacular lake views. Several walkouts to backyard paradise with heated inground pool surrounded by amazing perennial gardens.

A love-at-first-sight experience as you enter into this gorgeous 4 bedroom, custom-built beauty, located on 3.2 acres of private landscape. This one-of-a kind home boasts a bright and spacious layout with ample room for storage and a mature or growing family.

Huge waterfront lot! 3+1 bedroom home with additional self contained in law suite. Open concept great room with cathedral ceilings, gleaming hardwood floors and floor to ceilingwall to wall windows!

GRIMSBY

Call Today 905-945-0188

CODE # B227

GRIMSBY

$689,900 Country Living

Custom Colonial on 48 acres! 3 bedrooms with full finished attic. Master has 5pc ensuite with euro shower and spa tub plus cedar lined closet.

3/4" oak plank floors, solid birch kitchen with granite counters and cozy fireplace.

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The GOLFI TEAM Real Estate Market Watch

Tile Tips: Home Remodeling

April 2010

Restaurant of the Month

by: Joe Keca Home Improvement Group

Tile usually goes in the following rooms: bathrooms, kitchens, and laundry rooms. Of course, you can find it in any other interior or exterior space, too, but these are the most common.

These days, you can get fantastic old fashioned looking tile, just like you used to see in old houses. (Think of the old hexagonal bathroom tiles with a black and white pattern... Or, the classic white "brick" tile.) My favorite hexagonal floor tile comes in sheets. In other words, there are about 30 hexagonal tiles already connected together onto a fiber backing.

So they go down on the floor very fast, but they look like they were placed individually.

You can get tile at a home improvement store like Home Depot or Lowe's, or you can find more variety at a specialized store that sells only tile. I'll go to Home Depot for basic 12"x12" tile, but the nicer stuff must be found elsewhere.

Tile can be a good choice if you are working with uneven floors. Most tile contractors know how to use a leveling compound underneath the tile to make the floor even. This can be very handy when working with old unfinished basement floors.

Besides the color of the tile, you will also need to decide what color grout you would like to use. Grout is the substance that is inserted between the tiles.

Most tile contractors will want you to have the materials on site before they arrive.

How much tile should you get? I usually give my tile contractor the dimensions of the space to be tiled and let her do a "take-off". A take-off is simply a calculation of total material quantities that will be required.

Small floor spaces can be made to look larger if you lay the tile diagonally in relation to the walls.

With tile floors, you need to anticipate how you want to handle the points where the tile meets other floor surfaces.

For example, if you have hardwood floors in the hall and tile in the bathroom, you will probably want a strip of marble threshold (available at Home Depot or Lowe's). Have this available for the tile contractor to install while he's installing the rest of the tile!

Installing tile is one of the skills that should hire a professional for rather than ever attempting to do it yourself. The material is heavy, cutting the tile can be tricky, laying it out perfectly is not easy, and you spend a lot of time on your hands and knees. You are better off having a professional do this as it will probably come out looking a lot better than any job that you could do.

Joe Keca is a specialist in complete building and interior renovations with the Home Improvement Group. He can be reached at 905-309-5555.

-Å

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Located in the picturesque community of Greensville, Ontario.

(Just up the hill from Dundas, on Highway 8) Greensville Gourmet is proud to bring the best in fresh and ready Gourmet Foods.

Whether aiding you in selecting fresh meats, providing you with information on adding spice to your own creations or showing you the unique tools to give your meals a garnished flair.

TASTE—the finest selection of fresh meats, poultry and breads.

Wonderful selection of dips, sauces and spices to enhance any gourmet style.

TOOLS—A unique selection of cooking utensils for the Gourmet Chef in you.

TRENDS—Trendy, interesting and fun items such as flashing ice cubes to add life to your guests beverages. We will customize your gift basket order to your specific requirements!

Visit www.MenusOnly.com to print a copy of Greensville Gourmet’s coupon to receive 10% off of your food order. For catering and deli menu, pictures and more information on Greensville Gourmet as well as other local restaurants, please visit www.MenusOnly.com.

MenusOnly.com is an online restaurant menu guide connecting you with great restaurants in the Hamilton and Burlington areas. Browse through restaurant menus, view pictures of restaurant dining areas, patios, and menu items, and print local restaurant coupons all in one place.

MenusOnly.com – a perfect dining experience starts here.

ENTER for a chance to win a Dinner & Show Package for Two! Visit MenusOnly.com and click on Contest

Land Transfer Tax Calculation For Residential Transaction in Ontario Examples (Price-Tax) $55,000 - $275 $65,000 - $375 $75,000 - $475 $85,000 - $575 $95,000 - $675 $100,000-$725 $110,000-$825 $120,000-$925 $130,000-$1025 $140,000 - $1125 $150,000 - $1225 $160,000 - $1325 $170,000 - $1425 $180,000 - $1525 $190,000 - $1625 $200,000 - $1725

$210,000 $220,000 $230,000 $240,000 $250,000 $260,000 $270,000 $280,000 $290,000 $300,000 $325,000 $350,000 $400,000 $425,000 $450,000 $500,000 -

$1825 $1925 $2025 $2125 $2225 $2375 $2525 $2675 $2825 $2975 $3350 $3725 $4475 $4975 $5475 $6475

$525,000 - $6975 $550,000 - $7475 $600,000 - $8475 $650,000 - $9475 $700,000 - $10,475 $725,000 - $10,975 $750,000 - $11,475 $800,000 - $12,475 $825,000 - $12,975 $850,000 - $13,475 $900,000 - $14,475 $925,000 - $14,975 $950,000 - $15,475 $975,000 - $15,975 $1,000,000 - $16,475

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

Maximum Exposure Sells Your Home Call the Golfi Team to get your Home Sold 905-575-7700 or 905-945-0188 www.golfiteam.com The GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada.

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Stoney Creek & Winona Rob Golfi* Waterfront

just listed

CODE # H81301

just listed

CODE # l20

CODE # T6

CODE # W28

STONEY CREEK $239,900 Oversized Heated Garage

STONEY CREEK $469,900 3 Bedroom Gem

uppER STONEY CREEK $479,900 Fantastic 4 Bedroom

STONEY CREEK $599,900 Thousands of Upgrades

Southern Exposure & huge deck to enjoy it on!! 3 bedroom home with many updates, new Ikea kitchen! Freshly painted & loaded with character. Large workshop with heat & hydro. Many updates already completed, don’t miss out.

Waterfront!! Rare gem, 3 bedroom loaded with character, restorations underway!

New kitchen (09), living room with beamed ceiling & pine plank floors throughout! Balcony with sliders from all 3 BRs upstairs, amazing lakeviews!

Very Cool Layout!! 4 bedrooms with spiral staircase and gleaming hardwood entry. Den, living room and formal dining room, family room with fireplace. Resort like yard has built-in pool and interlock patio. Loads of updates!

Opulent décor & finished top to bottom.

Maple and Granite custom kitchen, formal dining room, huge family room with gas fireplace. Master with 5pc ensuite. 4+1 bedroom. Impeccable landscaping with interlock, cabana & hot tub.

Waterfront

SOLD R HE T O N A ONE

SOLD R HE T O N A ONE CODE # MC112

CODE # F5

CODE # J478

CODE # D7

STONEY CREEK $724,900 On Turtle Pond

STONEY CREEK $349,900 Move-in In 30 Days

STONEY CREEK $499,999 Executive with In-Law

uppER STONEY CREEK $579,900 W O W ! Factor

Fantastic contemporary for 3 bedrooms and in-law with private entrance. Open concept, breathtaking design with quality custom finishes. Very private location backing on to Turtle Pond, a designated nature sanctuary.

Beautiful home in lake community, Stunning kitchen with stainless steel appliances open to family room with gas fireplace, walnut stained maple hardwoods. Ensuite with glass shower, soaker tub, bedroom level laundry, easy access to QEW, excellent schools. Backs onto water channel ($10k upgrade).

Incredible 3500 sqft, 4+1 bedroom, 2-storey home with in-law apartment on lower level. Features include main floor den, cathedral ceilings, luxury ensuite off master bedroom, dining room with wet bar, quick access to QEW.

Incredible open concept! 3+1 bedroom with upgrades beyond the ordinary! Custom kitchen, fully finished basement, beautifully landscaped, decorated like a magazine centre spread!! All the bells and whistles here, put it on your must see list!

Waterfront

CODE # C9

Waterfront

CODE # M484

CODE # F524

CODE # E85-9

STONEY CREEK $289,500 3 Bedroom Freehold

STONEY CREEK $429,900 Lakefront Condo End Unit

STONEY CREEK $719,900 4 Bedroom Custom Built

STONEY CREEK $469,900 Waterfront Condo on Marina

Simply loaded with upgrades! Gorgeous walnut hardwood floors on main floor, maple cabinetry & Jamocha granite in designer kitchen. Corner gas fireplace. 3 bedrooms & convenient upper level laundry..

Luxury end unit condo with maple wash cabinetry, granite counters, tumbled marble backsplash, stainless appliances.

Maple floors, 9 ft. ceilings, 2 ensuites, private patio overlooking lake. 660 ft. of privacy on the water.

Exquisite custom built 3500 sq ft.

Gourmet European kit with granite.

Gleaming hardwood & custom tile.

Luxurious master suite with 2 sided gas fireplace shared with 5pc ensuite. All 4 bedrooms have walk-in closets.

2 Bedroom fully finished unit with hardwood, ceramic, marble and new berber carpet. Maple cabinetry in kitchen, large master plus luxury 4pc ensuite. Professionally finished basement and so much more!

Waterfront

SOLD R HE T O N A ONE

SOLD R HE T O N A ONE CODE # RR35

CODE # F7

CODE # W62

STONEY CREEK $377,900 4+1 Bedroom

STONEY CREEK $294,900 Backs onto Turtle Sanctuary

STONEY CREEK $649,900 Exclusive Waterfront

Bright and immaculate. Fresh paint, crown moulding, porcelain tile and Kulm Hardwood. Eat-in kitchen, separate living and dining room. Main floor den and laundry. New shingles (08) and underground sprinkler system.

Rare opportunity! Live in or rebuild on this huge lot. Updated plumbing, electrical, roof and more. Backing onto Turtle Pond with view of lake. Shares in neighbourhood lakefront park.

Designated environmentally sensitive area.

Waterfront! Rare find on private lane close to Fifty Point Conservation area.

101ft of waterfront, park like setting and solid 3 bedroom bungalow. Substantial breakwall, well treed mature lot, amazing sunrises and sunsets included!

Call 905-575-7700 / 905-945-0188

CODE # KE169

STONEY CREEK $273,900 3+2 Bedroom Walk to the dairy!! Totally renovated top to bottom, this 3+2 bedroom raised ranch is set to sell! Gleaming hardwoods, Lower level perfect set up for in-law with separate entrance and kitchen. Huge lot – don’t hesitate!

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April 2010

aya Kitchens – new Kitchen installations & design W

hether renovating your home for re-sale or simply to love your home again, a new kitchen is right up there in the top 10 list of residential ‘must-haves’.

If you are going to spend design dollars, spend them where people want them. Studies show we now do most of our living in the kitchen, not surprising considering the trend towards open concept design. Today’s kitchens are so much more than the traditional cooking and preparing spaces that we knew in the past. They are the social center of our homes and are increasingly becoming personal expressions of our lifestyles.

The weekend chef, the working couple, the single person, we all want the same thing: customization, personalization, and of course, pizzazz!

AyA Kitchens in Stoney Creek is a manufacturer of gorgeous Canadian

way they remain a step above the crowd.

Leaders in the kitchen installation business, if you’ve heard about a new cutting edge element of design, AyA already has it! Soft closing drawers, pullouts and flip-up glass doors – designs are functional, the look: spectacular.

With a wide range of finishes and styles, ranging from traditional, contemporary, urban, classic and Vintage designs, AyA kitchens design & installation service will suit any lifestyle and budget. Services such as personal design consultations with in-house 3D computer designs, and an extensive showroom display, they offer one-on-one service and quality second to none.

made custom cabinetry. With over 20 years of kitchen design experience, owner Marino Tonan is focused on promoting AyA’s extensive product offerings and quality throughout the Niagara Peninsula to not only home builders, but home owners as well. With over 25 dealerships throughout North America, AyA Kitchens has the vision of being a ‘game-changer’. By combining old world craftsmanship and attention to detail with high tech manufacturing processes , AyA offers innovative, quality cabinetry at competitive, manufacturer direct prices to clients across North America. AyA (i'ya) means Design and good design starts from the ground up.

AyA has designed and continues to refine one of the most efficient and environmentally friendly cabinet manufacturing facilities in North America, going green is just one more

Showroom is located at: 735 South Service Rd. Unit 5, (between Fifty & Fruitland Rd) Stoney Creek, Phone: 289-649-1100 -Å

pamela froese – helping haiti W

Mission Aid groups, the opportunity to join Adventures In Missions fits the bill for this inspirational young lady. Week long missions are available, but a full month of helping has her anxious “I am excited to embark on this Relief trip to Haiti and to help these people in any way possible, if it is delivering food or simply listening to their story.” Having just finished graduate school but not yet started in her career, she feels the timing is perfect. She is mentally prepared and has tremendous support from her family, friends and her community. “Many people have the heart to want to help, but cost can keep them away” she says.

Pam is very grateful that donations have been made to aid her personal contributions for this effort. The cost for this month long adventure runs approximately $2500 with an additional $700 for medical conditioning like proper vaccinations to protect her from diseases like malaria, typhoid, rabies etc...

While in Haiti, these relief workers will live in tents, without any of the creature comforts we all are accustomed to, like running water and a shower, a bed to

i t h high expe ctations and a helping heart, Pamela Froese is set to help the people of Haiti learn to live again amongst the devastation after the earthquake that struck near Port-au-Prince on January 12th, 2010, the greatest natural disaster of our time. Pam is the daughter of Wendy Murray-Nicholson, sales representative with the Golfi Team.

Leaving June 1st for a one month tour of service, Pam will be amongst a missions group based out of the United States: Adventures In Missions (AIM).

Ranging in age from 21 to 35, altogether 30 volunteers, they all have the same goal: to offer emotional support and assistance to the people of Haiti. “When I first heard about the Earthquake, and its devastation, I knew in an instant that I had to go, I have to help” quotes Pamela. Having researched many

sleep in. Their journey starts with her group arriving in the Dominican Republic, and then crossing over the border. Pam and her fellow relief workers will live in tents within a compound for an entire month. With only 48 hours onsite training before they start, they must be emotionally prepared, level headed. Around the world, assistance has sent to Haiti by the means of medical supplies and food, building materials and money. Relief workers will distribute food, water and supplies, they will give hope and comfort amongst the chaos, and offer much needed emotional support as there’s a magnitude of people affected by this disaster. Over one million people are homeless, over 200,000 lost their lives. Thousands and thousands of people have suffered injury and amputations; the emotional scars run deep.

Pamela and her group will teach Haitians to learn to live with the changes and devestation the earthquake has left in its wake. Along with the financial aid and supplies, these people must learn to properly use, and ration these gifts. They need some structure, some instruction to

learn and have the ‘know-how’ to know what to do with this assistance.

Pam says they hope to restore a sense of community, “everything is in shambles, buildings collapsed, there’s destruction everywhere. The homeless are living in tent structures, just basic shelter. I know as volunteers we can’t change the world, but we can certainly help. The people of Haiti should not be forgotten in the coming months. This country has a long road ahead of them; they must rebuild a broken nation”.

Pam knows this will be a life altering opportunity. She has travelled before so the journey does not frighten her. “I have such a heart for this cause, this will be a great life experience, I will be a stronger person after I have helped, and I know I will grow from this”.

For more information about Adventures in Missions, visit www.adventures.org Donations are gratefully accepted, please link from the website: go to Donate, click on Mission Trip Participant. Fill in Pamela Froese under “World Race” -Å

Builder’s special – Townhomes sTarTing from The mid $190’s Located at the base of Beamsville's escarpment within the heart of Niagara's wine region.

This community offers affordable living in an exclusive new neighourhood by the "Greenbelt".

Nestled in Beamsville's Vineyards of Grandview PRE-REGISTER AND QUALIFY FOR $10,000 IN FREE UPGRADES

Executive Towns: 1300 up to 1621 sq.ft • Single Bungalows: 1400 sq.ft • 2 Storey Singles: 2165 sq.ft and up

Call Rob Golfi

at

905-945-0188

or

905-575-7700 www.RobGolfi.com

www.golfiteam.com

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Hamilton Wentworth Rob Golfi* just listed

just listed

CODE # C143

CODE # S31

CODE # B85

CODE # C174

$299,900 HAMILTON WEST Ideal 3+1 bedroom Home

$329,900 HAMILTON EAST 4 Bedroom

$309,900 HAMILTON EAST 3 Bedroom Raised Ranch

$189,900 HAMILTON EAST Easy to Own

Potential student rental, minutes to Mac. Upgrades galore – brand new eat-in kitchen ('10) with granite counter tops, new appliances, private sunroom. New shingles ('07). Separate walk-out from basement studio-style apartment with kitchen, new floor, updated bathroom and fresh paint.

Bright and open 4 bedroom close to all amenities. Formal dining room and Spacious living room. Eat-in Euro kitchcen has dinette and door to concrete patio and fenced yard. Family room w/woodstove insert. Main floor laundry.

Immaculate 3 bedroom with fully finished basement. Spacious living room and dining room. Eat-in kitchen has been updated and boasts ample counter space and cupboards. Updated vinyl windows, concrete drive and patio in fenced yard.

Cozy 1½ storey 3 bedroom home with updates galore! Awesome main floor family room. New ceramics and backsplash in fresh white kitchen. Master bedroom in converted attic space with ensuite. Oversized detached garage.

just listed

just listed

CODE # T162

SOLD R HE T O N A ONE CODE # M1849

CODE # l8

CODE # H126

HAMILTON EAST $154,900 Just Move In!

HAMILTON EAST $139,900 Great Starter Home

ANCASTER $589,900 Instant Appeal - 3 Bedrooms

MCMASTER RENTAL $349,900 Money Maker!!!

Everything is updated, just move in!

Refinished hardwood floors, new eaves and facia, furnace (06), C/Air, shingles (09), 100 amp on breakers, mostly vinyl windows. Eat-in kitchen w/French doors to large patio and landscaped yard.

Great starter close to all amenities. Eat-in kitchen with door to rear deck and yard.

Spacious living room. 2 bedrooms, one on the main level, the other very private on the upper level. The main floor den has been redone and is quite unique.

Easy to maintain sized lot, side drive and shed.

Incredible open concept 3 bedroom with opulent finishes. Gleaming dark hardwood, formal dining room, huge great room with fireplace. Kitchen w/granite counters and island breakfast bar, porcelain floors and garden doors to yard.

3+3 bedrooms, with 2 renovated bathrooms – one 4pc and one 3pc, and 2 kitchens. New shingles (2009), central air (2004), furnace (1991), 100 amp breakers. Spacious common areas, very clean home, shows great! All appliances included. Long side drive and minutes to McMaster! Get inside!!!

SOLD R HE ANOT E ON CODE # S160

CODE # SF94

HAMILTON NORTH $99,900 3 Bedroom Super Semi

HAMILTON MOuNTAIN $359,900 Great New Home

HAMILTON WEST $89,900 Condo Apartment

HAMILTON WEST $349,900 Walk to Mac

Super Semi! Updated kitchen, bathroom, flooring, siding, newer shingles and furnace. Mostly vinyl windows, 100 amp breakers, double rear drive. With 3 bedrooms, 1.5 bath, it's ready to move in!

“The Harvard” beautiful new home, open concept design with huge great room and spacious kitchen. Features 2nd floor loft area convertible to 4th bedrm, 9' main floor ceilings, 2.5 baths. Great pie shape court lot 50' wide at back. Maple hardwood in great rm. Maple kitchen ceramic flooring.

Open and bright bachelor/studio condo apartment on main level. Close to McMaster and hospital. Perfect for student or nurse. Updated kitchen and bathroom. High ceilings.

Secure building with front entrance with security camera. Visitors parking. One parking spot. Exercise room and laundry.

Walk to Mac!! All brick 3+3 bedroom home! New shingles and windows. Hi effeciency furnace & C/Air (07), oversized water heater installed (05), newer plumbing & water line. Basement waterproofed. Ethernet/cable in all rooms!

CODE # M1950

SOLD R HE T O N A ONE

SOLD R HE T O N A ONE

CODE # W202

SOLD R HE T O N A ONE

CODE # gT27

CODE # R134

CODE # C588

HAMILTON MOuNTAIN $424,900 4 Bedroom Luxury

HAMILTON MOuNTAIN $329,900 4 Bedroom Backs on Park

HAMILTON EAST $199,900 3 Bedroom Raised Ranch

HAMILTON MOuNTAIN $185,000 Terrific 3 Bedroom Condo

Spectacular and luxurious 2 storey home.

Approximately 3100 square feet in a quiet cul-de-sac. Living and dining room with gorgeous hardwood floors, grand foyer with Oak staircase. Upper level Master bedroom boasts a luxury 5 piece ensuite. New concrete driveway, fenced in yard.

Fabulous neighbourhood for this 4 bedroom beauty. Backing onto parkland and situated on a huge lot, it’s the perfect family home. Huge principle rooms, fully finished basement, family room with gas fireplace and eat-in kitchen w/slider to deck.

1100 square foot newly built 3 bedroom raised ranch. Hardwood and ceramics throughut, 2 full bathrooms including ensuit, open concept, fabulous kitchen, ample parking and quick highway access. Won't last at this price!!

Bright and immaculate 3 bedroom condo in terrific mountain location. Well maintained and updated, this unit boasts newer windows, furnace, central air, updated bath and tiled flooring in kitchen. Huge master with 3pc ensuite.

Call Today 905-575-7700

CODE # Ug1675

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The GOLFI TEAM Real Estate Market Watch

RBC Homeline Plan Purchase • Refinance • Switch to RBC

MarketWa tch-Dog MarketWatch-Dog

by: Sue Ippolito RBC Mortgage Specialist

T

he RBC Homeline Plan is a smart convenient way to manage all your personal credit, from your mortgage to outstanding balances on loans and lines of credit. If you’re an existing homeowner with at least 20% equity in your home, or if you are looking to buy a home and have a 20% down payment, this may be the right solution for you.

With the RBC Homeline Plan, you have access to our Royal Credit Line and RBC Royal Bank mortgages, all in one plan, which you can designate for different needs—a new car, a vacation, your child’s education. It’s a great way to pay off your debt when you want to, while keeping your interest costs low.

You could save hundreds, even thousands, of dollars in interest and improve your cash flow.

April 2010

interest costs over the life of your mortgage.

As You Pay Down Your Balances, Your Credit Automatically Becomes Available To You Again As you pay down the amount you owe, your available credit automatically increases up to your limit. No need to reapply for credit or contact us, its and easy way to manage your own credit needs.

Let Interest Rates Work For You By Diversifying Your Mortgage Mortgage rates fluctuate and it’s hard to know whether you should choose a variable rate or fixed rate. The RBC Homeline Plan gives you the best of both worlds. It allows you to diversify your mortgage and enjoy the advantage of both variable and fixed rates.

Flexibility To Access Funds When You Want – For What You Want • Use RBC Royal Bank online Banking • Make withdrawals at any ATM • Write cheques

Let Equity In Your Home Work For You! There are lots of ways the RBC Homeline Plan can help get your home equity working for you. For example, you could finance home renovations, such as a new kitchen, bathroom, deck or simply a fresh coat of paint – improvements that increase the comfort and value of your home, and consolidating your outstanding high-interest credit using the RBC Homeline Plan will enable you to take advantage of lower interest rates that will save you money.

Convenient Consolidated Reporting Monthly statement, all the information you need is right where you need it. If you bank online, you can also review all the details of your RBC Homeline Planincluding your mortgage and credit line, making it easy and convenient to track and manage your credit use.

Save Hundreds Of Dollars In Interest And Improve Your Cash Flow If you have higher interest credit cards, loans and/or a mortgage, an RBC Homeline Plan can free up hundreds of dollars in extra cash each month. And, if you choose to diversify your mortgage, you could save thousands of dollars in

To find out more about the RBC Homeline Plan or to apply now CALL TODAY. SUE IPPOLITO, MORTGAGE SPECIALIST RBC -- 905 648-8567 Take Advantage Of Low Interest Rates And Save Fees -Å

Each issue, The Golfi Team will showcase a ‘MarketWatch-Dog’; a family companion from one of our current listings.

A bit about “Stella” Isn’t she lovely?

This issue’s MarketWatch-dog is ‘Stella’ from Grimsby, an absolutely gorgeous Olde English Bulldogge. Despite her mature and regal ‘Princess-like’ good looks, Stella is just a young pup at 1½ years old. She has just completed grade 1 of obedience school and is certainly one smart cookie!

Personality traits of this breed are that of being quite loyal, outgoing and courageous. After a delightful visit with her, this writer can attest that she is all of the above and beyond – Stella is so very obedient, she obviously paid attention at school!!

A wonderful companion for 2 sweet little girls, Stella has never ending energy and incredible patience. On any given day, she plays hide and seek, chase, ‘my riding pony’ and even dress-up, always with her sweet disposition and kind nature. When tears flow, Stella gets quite upset too; but nothing a little hug and a cookie can’t make better. She makes certain, as soon as the girls wake from their afternoon naps, often with a little cry as they stir from their cozy sleeps, that someone comes and gets them right away, there’s no waiting around to see if they will fall back to sleep for a few more minutes – not a chance – after all, it’s playtime again!

For a bit of doggie merriment, Stella’s family ensures she also enjoys canine play dates. She regularly gets together with her sister “Chloe”, for some good ol’ Olde Bulldogge fun & frolic where the two have a good growl and chin-wag.

Stella greets all guests at her home and people she encounters while going for a walk, with warmth and genuine enthusiasm. Everyone who meets her would agree – with Stella’s striking beauty and sunny disposition, she is definitely a princess!

look for our next MarketWatch-dog in the next issue of Market Watch!

The golfi team supports SPCA’s of Ontario.

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 (%) 3.00 3.50 4.00 4.50 5.00 5.50 6.00 6.50 7.00 7.50 8.00 8.50 9.00 9.50 10.00 10.50 11.00 11.50 12.00

5 yr

10 yr

15 yr

20 yr

25 yr

30 yr

35 yr

17.96 18.18 18.40 18.62 18.85 19.07 19.30 19.53 19.75 19.98 20.21 20.45 20.68 20.91 21.15 21.38 21.62 21.86 22.10

9.65 9.88 10.11 10.34 10.58 10.82 11.07 11.31 11.56 11.81 12.06 12.32 12.58 12.84 13.10 13.37 13.64 13.91 14.18

6.90 7.14 7.38 7.63 7.88 8.14 8.40 8.66 8.93 9.21 9.48 9.76 10.05 10.33 10.62 10.92 11.21 11.51 11.82

5.54 5.79 6.04 6.30 6.57 6.84 7.12 7.41 7.69 7.99 8.28 8.59 8.89 9.20 9.52 9.83 10.16 10.48 10.81

4.73 4.99 5.26 5.53 5.82 6.10 6.40 6.70 7.00 7.32 7.63 7.95 8.28 8.61 8.94 9.28 9.63 9.97 10.32

4.21 4.48 4.76 5.04 5.34 5.64 5.95 6.26 6.59 6.91 7.25 7.59 7.93 8.28 8.63 8.98 9.34 9.70 10.06

3.84 4.12 4.41 4.71 5.01 5.33 5.65 5.98 6.32 6.66 7.01 7.36 7.72 8.08 8.44 8.81 9.18 9.55 9.93

MAXIMUM EXPOSURE EXPERIENCE THE DIFFERENCE Call the Golfi Team Today!

905-575-7700 or 905-945-0188

Rob Golfi, SRES

®

Rob is a Seniors Real Estate Advisor (SRES®) according to the Seniors Real Estate Specialist Council of the NATIONAL ASSOCIATION OF REALTORS®.

Of the 56,000 Real Estate Agents in Ontario, there are only about 100 with the SRES® designation and all were required to successfully complete a comprehensive course in understanding the needs, considerations, and goals of the real estate buyers and sellers aged 50 and older. Rob specializes in helping seniors that are looking for a lifestyle change, whether it be downsizing to a condominium, a smaller house, an apartment or even assisted living.

Rob’s consultation process covers everything from selling your home, finding a new home, disposing of furniture, staging and cleaning as well as assisting in the move. Rob’s goal is to handle everything and ensure that the transition goes as smooth and pleasant as possible for everyone.

Contact Rob today at 905-575-7700.

-Å

www.golfiteam.com

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April 2010

The GOLFI TEAM Real Estate Market Watch

Page 9

Congratulations Winners of the Easter Colouring Contest Thank you to all the young artists who participated in the 2010 Easter Colouring Contest. It was a tough decision to choose from all the great colouring. Looking forward to receiving your entry in 2011!

Congratulations to Marcus from Stoney Creek, age 8

Congratulations to Isabel from Grimsby, age 4

Congratulations to Julia from Stoney Creek, age 12

Call 905-575-7700 / 905-945-0188

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The GOLFI TEAM Real Estate Market Watch

April 2010

Reduce Income Taxes & Keep More in your Pocket

Home Staging Secrets by: Sheri Gamble, Details Event Coordination Inc.

By: Anthony Panto, Owner / Advisor Debt, Insurance, & Investment Specialist

I

n today’s real estate market, homeowners need to hire a professional home stager to have an edge on their competition. Staging means your house will be been dressed with paint, furniture arrangements, art and accessories carefully chosen to highlight the home's strengths, downplay its weaknesses and appeal to the greatest number of prospective buyers.

Home Stagers have tricks and “secrets” they use to stage your home.

Make an entrance.

You know the saying: You never have a second chance to make a good first impression. The outside of your home is the first thing prospective buyers see - and like it or not, it speaks volumes about what's inside -- and about its owner. A quart of glossy paint in a bold, cheerful color for the front door, new hardware (or a good clean and polish of the existing knocker, lockset, porch light, house numbers or mailbox), a fresh potted plant on the porch will dramatically improve your home's entry and make visitors feel welcome.

Conquer clutter.

Admit it! You have too much stuff.

The most important thing most people can do to improve their home is to clear out, clean up and get rid of clutter.

Be ruthless as you go about purging your belongings. If you haven't used it in months, box it up and store it away; sell it or give it away to charity. Pack away out-of-season clothing and clean out closets. Closets bursting at the seams screams out “this space is too small!”

Make "less is more" your motto.

Don't forget that a cluttered look can also come from too much furniture.

People tend to line their walls with furniture, one piece after another. When the

pros stage a home being prepped for market, they often remove as much as half of the owner's furnishings -- and the house looks much more spacious!

A rule of thumb: If you don't use it regularly, lose it. While you're doing this sometimes-painful pruning, remind yourself that every square foot you free up is prime real estate.

Float furniture.

If most of your furniture is clinging to your walls, you're not alone. It's a typical decorating mistake. There's a common belief that rooms will feel larger and be easier to use if all the furniture is pushed up against the walls, but it's simply not true. Instead, furnish your space: Float furniture away from walls, reposition it into cozy conversational groups and place pieces so that the traffic flow in the room is obvious.

Stage with flair.

When it comes to eye-pleasing accessorizing, three is the magic number.

And rather than setting your trio of accessories out in a row, imagine a triangle and place one object at each point. Stagers have the expertise to turn your everyday home into a model showcase.

Stage today and sell your house tomorrow!

Sheri Gamble and Gwen Kennedy are Home Stagers and Event Planners with Details Event Coordination. They can be reached at 905.632.2602 or via email at sheri@detailseventco.com or gwen@detailseventco.com. Visit their website at www.detailseventco.com. -Å

The same investment strategies used by multi-billion dollar corporations are also available to you, both personally and if you have an incorporated business. The effect of taxes on your savings acts like a small leak in a car’s gas tank. Each year a tax inefficient investment/savings account loses a portion of its earned growth in taxes. The goal of most tax efficient investment plans is to minimize or eliminate this leakage so the portfolio can continue to compound its returns in future years. The smartest investment plans put the control over your tax des2010 Taxable Income

tiny back in your hands.

Under the Canadian Tax Act, different types of income that investments/savings generate are taxed differently. As such, some income types can be very advantageous or very detrimental to your long term investment goals and financial objectives. Having choice is very important.

Case Study Example: Ontario combined federal & provincial tax rates *All dividend % are Canadian based

Other & Interest Capital Eligible Income Gains Dividends

over $40,970 up to $65,345

31.15%

John has $100,000 Non-RSP invested in a GIC earning 3%-year. This would generate $3,000-yr. of interest income and assuming John already earns an income of $50,000-yr. he would now be liable for $934.50 in income taxes. Multiple this X’s 10 years and that would be close to $10,000 in additional taxes paid. The after tax return of his 3% GIC is reduced to 2%.

You can now have the ability to invest in investments that normally would be taxed as interest earning income and convert it to much lower taxable income such as capital gains or dividend income. You may even choose to defer the tax on your Non-RSP earnings saving you thousands of dollars.

Through the access of innovative strategies and investment tools we can

15.58%

9.76%

Small Business Dividends 16.65%

create an investment plan as well as a tax plan that will be customized to your personal needs.

See the options available in the chart above.

At the end of the day the most important thing is getting the most out of your investments so you can keep more in your pocket.

-Å

Anthony can be reached at 905-297-1179 or via email at anthony@capfinancial.ca Visit their website at www.capfinancial.ca

Home Evaluation No Cost or Obligation

Call Rob Golfi Today!

905-575-7700 / 905-945-0188 not intended to solicit proper ties cur rently listed for sale.

The Golfi Team is Ranked in the Top 100 Re/Max Teams in Canada RE/MAX has over 18,000 Sales Representatives in Canada

www.golfiteam.com

Heather Reid Rob Golfi Sharon Stafford Hans Marcelissen Sales Representative Sales Representative Sales Representative Sales Representative

Wendy MurrayNicholson Sales Representative

Penny Bryce Sales Representative

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April 2010

The GOLFI TEAM Real Estate Market Watch

Page 11

Seven Ways for Retirees to Cut Taxes and Make Money Go Farther For Individuals over age 60 who are retiring, or have already retired, and want to avoid costly mistakes TOPICS

4. This One Often Ignored Factor That Significantly Determines Investment Success

1. One of the Retiree’s Biggest Mistakes and How to Avoid it

5. Three Investment Income Strategies/What the Banks won’t tell you

2. An Investment That Will Help Your Money Last Your Lifetime

6. A Common and Costly Error Made By Investors When Buying Mutual Funds

3. This One Investment Risk Could Cause You to Outlive Your Money

7. Not understanding the fees you are paying on your investments

TIME

LOCATION

Wednesday, April 21st @ 2-3:30pm or Thursday, April 22nd @ 7-9:30pm

The Innisville 27, 1143 Highway #8 Stoney Creek, Downstairs Function Room

YOUR PRESENTER Anne Louise Tindall, Vice President and Investment Advisor of Burgeonvest•Bick, is well-known for specializing in Retirement Income Planning for Seniors. Over 5,000 Retirees have attended her presentations over the last 30 years. She has developed a specialty in counseling retirees and those about to retire who want to protect their principal and insure that their money lasts. She has counseled retirees on strategies to minimize taxes on their estate and preserve their estate values for their loved ones.

Over 1,000 retirees have used Anne Louise’s advice to avoid the mistakes made by many retirees and thereby helped them minimize tax and maximize returns on their retirement savings. If you attend one workshop this year and are looking for ways to help protect your capital, don’t miss Anne Louise’s talk.

Anne Louise has completed numerous tax and estate planning courses, as well as several Canadian Securities and Insurance Exams.

She lives with her husband in the Niagara Region and her two children are attending university.

GUEST SPEAKER Rob Golfi is a Senior Real Estate Specialist who helps Retirees avoid costly real estate mistakes. He is ranked in the top 5 of nearly 2,000 real estate agents in the Hamilton-Burlington and Niagara area and helps Seniors looking for a lifestyle change. Whether you are down-sizing and/or require assisted living, his Transition Facilitation Service can include selling or buying a home, disposing of furniture, staging and cleaning, as well as assisting in the move. Contact Rob today at 905-575-7700.

Seating is Limited, Reservation Required – Call Anne Louise – 1-800-289-6235 416.573.2748

Rob Golfi proudly supports the Children’s Miracle Network and a donation is made from every sale!

Disclaimer: Different commission rates, fees and listing and marketing services may be offered by other RE/MAX Franchisees and Sales Associates in Canada.

Call 905-575-7700 / 905-945-0188

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The GOLFI TEAM Real Estate Market Watch

April 2010

FeatureHome

Rob Golfi*

CODE # W28

S

pectacular 4+1 bedroom home, this ‘Sandcastle’ model has over $100,000 spent in upgrades and finishes. Professionally landscaped front and back – first impressions indicate it’s a winner, just wait until you get inside!

Upon entry to the grand foyer, the spaciousness and rich décor are warm and welcoming. The main floor den at the front entrance is ideal for a home office. It’s rich, deep hardwood floor offers a nice contrast to the custom shelving unit in crisp white finish.

Across from the main foyer, the formal living room has a vaulted ceiling and a dormer window fills the room with light.

The formal dining room will accommodate any size gathering, and offers open views of the main floor. Hardwood floors throughout the main level and on the spiral staircase, are complimented by

contrasting white spindles. Crown moulding in the foyer, dining room and powder room, with upgraded lighting and plantation shutters throughout the house. Ceramics in the foyer follow thru to the fantastic custom kitchen finished with tall maple cabinetry and rich granite countertops.

A centre island/breakfast bar couples as additional work space although there are ample cupboards and counters in this dream kitchen. The dinette area has a slider to the gorgeous patio where summer entertaining will be easy and carefree. Under counter lighting, marble backsplash, upgraded facet and stainless steel appliances in the kitchen.

The huge family room is adjacent to the kitchen with a gas fireplace and windows on either side creating a lightfilled, comfortable space. A 2pc powder room, laundry and inside entry to a dou-

ble garage complete the main floor.

Upstairs, a light-filled loft area brightens the landing. Bedrooms are spacious, one with a balcony. The master bedroom boasts his and hers walk-in closets and a glorious 5 pc ensuite with soaker tub and separate shower. The basement is professionally finished with a bedroom, rec room with fireplace and wet bar plus plenty of well planned storage.

Designed for entertaining, a Cabana in the yard keeps things cool and to heat things up: enjoy the hot-tub! Landscaped for easy maintenance and the convenience of gas BBQ hook-up. Live up to your expectations, it’s time to move in and enjoy the lifestyle. Call Rob Golfi today at 905-575-7700 for a private viewing.

28 Watercliff Place, Stoney Creek Price:

$599,900.00

Taxes:

$5,955.00 (2009)

Lot Size:

60.04 x 85.30 ft

House Size:

Approx. 3,000 sq.ft.

Re/Max Escarpment Realty Inc., Brokerage Independently Owned and Operated

The Golfi Team is Ranked in the Top 100 Re/Max Teams in Canada RE/MAX has over 18,000 Sales Representatives in Canada

905-575-7700

Heather Reid Rob Golfi Sharon Stafford Hans Marcelissen Sales Representative Sales Representative Sales Representative Sales Representative

Wendy MurrayNicholson Sales Representative

Penny Bryce Sales Representative