April 1, 2011 Issue 23

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April 1, 2011 - Vol 26a

P R E S E N T E D

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Rob Golfi Sales Representative

Sharon Stafford Sales Representative

Heather Reid Sales Representative

Hans Marcelissen Sales Representative

Wendy Murray-Nicholson* Sales Representative

Ashley Sidler Sales Representative

Dena Zlatar Office Manager

Jaclyn Ross Executive Assistant

www.GolfiTeam.com

Rosemary Fournier Listing Co-ordinator

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Page 2

The Golfi Team Real Estate Market Watch

About Rob Golfi

S

ince the inception of his career in 1997, Rob Golfi has 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 in 2003, the Lifetime Achievement Award in 2006, his SRES® designation in 2009 and the Diamond Club Award in 2010. Having worked with

by: Rob Golfi

many of the industry’s professionals 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, extensive marketing 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

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April 1, 2011

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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.

Tax Deductions and Credits for Homeowners Many taxpayers overpay their taxes simply because they fail to claim some of the common deductions and credits they are entitled to. As a homeowner, there are several home tax deductions and credits that you can claim.

Before you submit your next return, check the following list. It represents the most frequently over-looked tax breaks available to typical working Canadians.

First-time home buyer’s tax credit If you are buying a home for the first time, you can claim a non-refundable tax credit of up to $750. This new nonrefundable tax credit is based on a percentage of $5,000. You or your spouse or common-law partner can claim the home buyer’s tax credit.

GST/HST tax rebate (new housing rebate) If you buy a new home as your principal residence, and if it’s less than $450,000, you may be able to claim the GST/HST new housing rebate too.

Ontario and B.C. residents may also claim the provincial portion of the HST if they buy, build or do a major renovation on their principal residence. Other home tax deductions exist for homes that are built by the owner as well as for residential rental properties.

Home Buyer’s Plan The Home Buyer’s Plan allows you to withdraw up to $25,000 from your registered retirement savings plan (RRSP) to help with the purchase or construction of a home. Certain conditions apply. Submit a request by completing the T1036 tax form that is available.

Medical expenses tax credit Persons with mobility impairments can claim renovation expenses to make their home more accessible under medical expenses deductions in Canada. The government provides an extensive list of eligible medical expenses as well as medical expenses that you cannot claim.

Moving expenses If you move within Canada, your moving expenses might be an allowable tax deductible. You must be employed, and your new location must be at least 40 kilometres closer to your place of work.

Starting a business would qualify, as would moving away from home to take your first job. If the deductions are greater than earned income, they can be carried forward for one year to realize the full tax benefit.

Expenses that can be claimed include hiring movers or renting a van to move yourself, breaking a lease, furniture storage, meals and lodging for you and your family while traveling and legal fees and real estate commissions if you have to sell your home.

Work from home expenses If you are using your house as part of your business — a home office for example — you can claim a deduction for that part of the home that is used to conduct business activities. If you are a homeowner you can claim a portion of your mortgage interest, property taxes and capital cost allowance. If you are a renter

www. GolfiTeam .com

you can claim a portion of your monthly rent. You can include in your deduction a share of the utilities, insurance or home maintenance allotted to the area of the house set aside for business use. For each of these expenses you can claim a percentage equal to the percentage of your home that is reserved for business.

You can’t use these items to create a loss that could be deducted against other sources of income, however. Of course, any expenses solely related to the business, such as supplies, travel and client entertainment, are fully deductible. CRA forms T2124 and T2032 contain a guide entitled “Calculation of Business-Use-ofHome Expenses” that will help you calculate your allowable claim.

Rental income If you rent a property you own or that you have use of, use the T776 tax form to report rental income and claim allowable expenses such as advertising, insurance and interest on money you borrow to buy or improve the property.

Child care tax credit In most cases, child care expenses for an eligible child must be claimed by the parent with the lower net income for tax purposes. If parents are separated and share custody, each parent may usually claim a portion of the child care costs.

Where a medical doctor certifies in writing that the lower-income spouse is incapable of caring for the child due to a physical or mental infirmity, the costs may be claimed by the higher income spouse.

Eligible child care expenses include day-care centres and day nursery schools, some individuals providing child care services, day camps and day sports schools, educational institutions such as private schools (the portion of tuition costs relating to child care services), boarding schools, and overnight sports schools and camps.

Provincial credits In Ontario, homeowners can apply for the Ontario property tax credit and the Senior Homeowner’s Property tax credit.

For more information, please consult the CRA website: http://www.cra-arc.gc.ca/tx/ndvdls/ tpcs/ncm-tx/rtrn/cmpltng/ddctns/ prvncl-frms-eng.html

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April 1, 2011

The Golfi Team Real Estate Market Watch

Page 3

Grimsby, Lincoln & West Lincoln Area

Rob Golfi*

WaTerFrONT

Grimsby $469,900 29 Stone Gate Drive

FONthill $634,900 23 Timbercreek Cres.

beamsville $339,900 4092 Mountain Street

Grimsby $769,900 2 Seventh Street

First Class! 2750 sq ft in executive neighbourhood close to the lake. 4 bedroom has loads of updates: carpets, shingles, ensuite with claw tub & glass shower, hi-eff furnace and more! Beautiful hardwoods & gorgeous fireplace.

Stunning 4 bdrm, 3300 sq ft Exec on exclusive street. Blt 4 yrs ago & fts hrdwd, porcln flr, granite countertps, 60 interior/11 exterior potlights, mn flr den can also be a formal liv rm.

In-law suite w/sep entry plus endless list of upgrades!

Want quality, this house is for you! This one flr plan incl. $20,000 in extras, California knock down ceilings, rounded corners, 120 sq.ft. of hrdwd flrs, upgraded trim package, maple kit, asphalt drv & much more! Approx 1445 sq.ft. similar to be built.

Custom built 5yrs new home, with 125 ft of Ledgerock shore protection and walkdown to waterfront. Beautiful kitchen with granite counters and built-in stainless steel appliances, pine plank floors, 4 levels of decking, facing the lake. Fully finished basement. Truly a dream!

Grimsby $239,000 111 Willow Lane

Grimsby $299,900 6 Carnegie Lane

West liNCOlN $249,900 1786 Victoria Avenue

beamsville $259,900 4498 Ontario Street

END UNIT TOWNHOUSE! 2 BR Losani built townhouse w/ceramics & upgraded carpet. This home offers great views of the escarpment & an open concept floor plan. Garage has inside entry into basement & basement has walk out to backyard.

COMPLETELY RENOVATED 3 bedroom, open concept 2 storey home. Impressive list of features incl. blown-in insulation, radiant in floor htg, main flr office, speaker system wired in, large lot plus more. Oversized single garage w/ separate furnace. Zoned M1.

Country living at its best sitting on over an acre of private treed lot in fantastic location. Features cathedral ceilings, oversized family room with fireplace, country style kitchen with plenty of cupboards, fully finished basement.

Ideal for Home Business. Impressive 4 bedroom, 4 level back split sitting on 60' x 150' lot. Features hardwood floors, updated windows, shingles ('06), furnace ('03), garage door & opener ('08), 2 fireplaces, walkout from lower level, 20' x 22' garage.

Scan this code to view more info on our listings!

WaTerFrONT

Go to www.4qr.ca on your mobile phone to download your free scanner.

West liNCOlN $329,900 9407 Silver Street Amazing updated home on 100 x 200ft lot, built in 1953, has an open concept LR/DR w/hrdwd flrs, huge master suite, New high eff gas furnance/CA, updated main bath, entry doors, & water conditioner. Bonus rm over the garage.

Text "GOLFI" to 123411 to view our listings on your mobile phone.

Golfi Team has Maximum Internet Exposure to Get Your Home SOLD!

Grimsby

The

Call today!

905-945-0188

$1,490,000 143 Lake Street

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!

11 acreS

NeW HOMe

beamsville $236,900 5128 Connor Street

West liNCOlN $324,999 7574 Highway #20

beamsville $459,900 4276 Maple Grove Road

smithville $269,900 16 Lindan Street

1386 sq.ft. Features include great sized bedrooms with 3 pc ensuite and walk in closet off of master. Kitchen overlooking spacious family room, attached to neighbouring unit at the garage.

2+1 bedroom fully reno’d & with modern kitchen, cherry wood cabinets, ceramic, cathedral ceilings, adjoined fam room. Thick carpeting in all principal rms & main bath w/whirlpool tub. Dbl side drv, fin bsmt (’06) incl. rec rm, kitchen, bedrm & laundry, 25 yr roof (’04), furnace (’03).

Raised ranch on 11 acres, built in 1993, finished in-law apartment with walk out, spacious kitchen with plenty of counter space, shingles one yr, furnace 3 yrs, well maintained home in the heart of wine country.

Prestigious 2 storey built in ‘06 on fantastic size lot, features spacious kit w/granite counters & breakfast bar, beautiful hardwood throughout, a sun-filled living room, large bedrooms, ensuite privilege off master, main floor family room, walk out from bsmt to fenced yard.

Home evaluation No Cost or Obligation

Call Rob Golfi today!

Call Today 905-945-0188

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Page 4

The Golfi Team Real Estate Market Watch

Rob Golfi Sales Representative

Sharon Stafford Sales Representative

Heather Reid Sales Representative

Hans Marcelissen Sales Representative

April 1, 2011

Wendy Murray-Nicholson* Sales Representative

Ashley Sidler Sales Representative

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hamiltON mtN $217,000 7 Carrington Crt 3+1 bedroom semi, central mountain, court location on a large pie-shaped lot. Close to schools. Features hardwood floors under broadloom, mostly new vinyl windows, shingles 10 yrs, furnace 9 yrs, & finished rec-rm with large bright windows.

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YS a 7D 1 N DI L SO DuNDas 21 West Street Affordable 3 bedroom, 1½ storey home with-in walking distance to downtown. Features new shingles (‘09), beautiful hrdwd flrs, spacious dining room, finished rec-rm in basement, & 100 amp on breakers. Ideal for first time buyer or investor for McMaster Students.

S DaY 5 1 IN

Fantastic 4 +1 BR bungalow on an oversized lot w/water views across from the park. Many updates include oak kitchen cabinets w/tumbled marble back splash, updated bathrms, refinished hrdwd flrs, shingles ‘07, Furnace 2001, & mostly new vinyl windows ‘09.

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Grimsby $179,900 13 Sacks Avenue

Grimsby $299,900 17 Colonial Crescent

Cute semi in a great neighbourhood close to parks & schools. Nice corner lot! 3 bdrms, two full baths, finished rec-rm w/gas fireplace, & open concept on main flr. Fantastic opportunity for any buyer to aquire in Grimsby.

Attractive 4 level back split in quiet escarpment survey. Porcelain tiles, oak eat-in kitchen, vaulted ceilings in LR/DR, main flr laundry, gas fireplace in family room, newer furnace, humidifier & central air, along with new windows, doors, & shingles.

The Golfi Team’s Listings Sell in an average of 45 days or less

Grimsby $318,900 83 Lakeside Drive

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DuNDas $365,000 7 South Street East 2 storey, 3 BR home w/centre hall plan close to downtown Dundas. Shows like a dream & features hrdwd flrs, traditional style wood trim, sun room w/skylights, spacious LR w/showcase FP, & a backyard w/perennial gardens.

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stONey CreeK $369,900 62 Windemere Rd

Grimsby $249,900 65 Hemlock Way

stONey CreeK $239,900 44 Odessa Street

hamiltON $129,900 46 Adeline Avenue

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!

Gorgeous Losani built town home features beautiful designer maple kitchen with breakfast bar, and showcase fireplace in living room.

Master bedroom has luxury ensuite and walk-in closet. 3 bedrooms and oak staircase. Close to parks, schools and QEW access.

Outstanding value in this gem of a home!

Features hrdwd flrs, 3 great size bdrms w/walk out from master to landscaped fenced yard, updated vinyl windows, shingles ‘06, updated furnace & C/air, & quick access to Redhill & Link.

First time buyers! Good location close to highways, schools & park. Great starter home w/2 bdrms, LR w/gas FP, updated kit & bathroom. Renovations done to make bathroom & master bdrm larger. Parking for 3 cars & a great backyard!

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biNbrOOK $379,900 218 Tanglewood Drive

Grimsby $289,900 33 Debora Drive

hamiltON east $299,900 2 Renis Court

hamiltON $274,900 304 Emerson Street

Quality built 2400 sq ft. Located in Jackson heights, in the heart of Binbrook, this 4 bdrm, 2stry home has many upgrades. Hrdwd flrs family rm & dinrm, solid maple strcse.

Upgraded ceramics, kit & backsplash, cove mouldings, painted in decorator colours, upgraded light fixtures.

Spacious raised ranch in impeccable condition 3+1 Bedrms, 2 baths, on large 61 x 125 ft lot across from private park, updates include new windows, new furnace & central air, finished bright basement, walk to downtown, 1 min to QEW

3+1 bdrm all brick bungalow will take you by surprise. Upgrades include designer maple kit, hrdwd flrs, porcelain tile, crown moulding, hotel style bathroom, California ceilings, updated vinyl windows, shingles ‘06 & more.

5 bedrooms, 11/2 storey home within walking distance to McMaster Univ., well maintained, updated furnace, electrical, steel roof, and deep treed yard.

Call Today 905-945-0188

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April 1, 2011

The Golfi Team Real Estate Market Watch

Page 5

Hamilton & Stoney Creek Rob Golfi*

hamiltON mOuNtaiN $189,900 105 East 14th Street

hamiltON $309,900 74 Huckleberry Drive

Custom built bungalow finished from top to bottom. Feat. incredibly landscaped yard on a pie shaped lot perfect for entertaining, beautiful Barzotti designer kit w/granite counters, hrdwd flrs, fully finished basement, great rm w/cathedral ceilings & more.

Attractive well cared for 3 Bedroom 1.5 Storey home. Desirable central mountain, quiet street.

Windows replaced. Bay Windows in the Family room, Eat In Kitchen, Partially Finished Basement with Rec Room. Beautiful Fenced in Rear Yard, Mature trees and garden shed.

Well maintained w/beautiful floor plan, featur family rm w/cathedral ceilings, hardwd flrs & wood fireplace, kitchen w/garberator, fin’d bsmt w/spare bdrm, some newer wndws & shingles (’03), fenced yrd w/deck & 8 x 10 shed. Plus an extra wide garage w/new driveway.

hamiltON CeNtral $89,900 11 Hope Avenue

stONey CreeK mtN $309,900 36 Hillcroft Drive

hamiltON $249,000 204-908 Mohawk Road East

east hamiltON $124,900 193 Tragina Avenue North

Potential!! Updated kitchen, roof & electrical.

Large principle rooms & high ceilings. Separate dining room, original hrdwd flrs, open concept layout, w/main flr master (16x11) & large fully fenced yard. Needs TLC but loads of potential.

Charming 8 yr old, all brick, 5 level backsplit.

This home is finished top to bottom & features kitchen overlooking family room w/showcase fireplace, leading to backyard concrete patio & fence yard, finished basement w/rec-room, & 2 full baths.

Location, Location! Fantastic 2 BR corner unit condo in upscale 36 unit building. Master bed w/ensuite & walk in closet. LR features garden doors to balcony. Features incl in suite laundry, ceramics in foyer & kitchen.

Cozy home in awesome location ideal for first time buyer or retiree. 2+1 bedroom bungalow, most windows updated, new furnace ‘09, hardwood flrs, refaced bathroom, fenced yard, new insulation, new concrete floor & sump pump in basement.

stONey CreeK $339,900 85 Monza Drive

mOuNt hOpe $379,000 3258 Trinity Church

east hamiltON $159,900 119 Fairfield Avenue

stONey CreeK $309,900 39 James Avenue

4 bdrm home only 18 months old built by Mattamy homes at Fifty Point in fantastic condition. Features 9 ft ceilings on main flr, great room, beautiful plush carpets, bdrm level laundry, large windows & rough-in bath in basement.

Minutes to the city, loads of updates, features large master bdrm, neutral décor, remodeled bathroom w/separate shower, soaker tub, & heated floor. 2 new bay windows, new front porch, roof '07, new rear deck with hot tub, and finished rec room.

3+1 bdrm home w/a side drive, garage, & screened in back porch, includes hrdwd flrs, bright white kit, freshly painted, LR & a great flr plan. Dry basement, Weeping tiles installed 9 yrs ago. Close to all amenities. Come see!

Charming side split in fantastic condition, features beautiful hardwood floors, bright stylish renovated kitchen leading to large deck, classic wood fireplace in livingroom, 3 large sunny bedrooms, family room with showcase fireplace, finished rec room in basement.

stONey CreeK $274,900 1204-500 Green Road

aNCaster $699,900 166 Greenbriar Road

Waterfront luxury unit, 3 BR condo with incredible views of Lake Ontario, approx 1400 sqft. 2 baths, insuite laundry, beautiful oak kitchen cabinets with ceramic floors, new furnace 2002, new carpeting, fabulous amenities.

Scan this code to view more info on our listings!

Go to www.4qr.ca on your mobile phone to download your free scanner.

Text "GOLFI" to 123411 to view our listings on your mobile phone.

WiNONa $359,900 328 Winona Road Easy access to the QEW, shopping,and schools.

Large kitchen with island & granite counters.

Vaulted ceilings, pot lighting, california shutters.

Inside garage entry with main floor laundry.

Fully fenced back yard. Large master, his/her closets & ensuite with corner soaker tub.

Golfi Team has Maximum Internet Exposure to Get Your Home SOLD!

The

Call today!

905-575-7700

stONey CreeK $209,900 2-618 Barton Street Immaculate home shows like a dream! Beautiful decor, hrdwd & ceramics throughout, bright kit w/ceramic backsplash, in-law suite down stairs w/full bath & mini kit, master suite w/walk in closet & ensuite, updated windows & shingles.

if you want it

stONey CreeK $249,900 50 Marina Point 3 bedroom freehold town home, features open concept with gorgeous kitchen with breakfast bar, living room with showcase gas fireplace, spacious master suite with private ensuite bathroom, bedroom level laundry, close to 50 pt marina.

SOLD Call Rob Golfi 905-575-7700 or visit

www.RobGolfi.com

stONey CreeK $465,000 17 Gumwood Place

stONey CreeK $674,900 1217 Green Mountain Rd. E.

4+1 BR home on a mature Executive Crt. Close to amenities. Hrdwd flrs, master BR w/ensuite & walk-in closet. Main flr ldry, eat-in kit, DR, LR, family rm w/gas FP. Finished basement w/games rm, bdrm, 3pc bth, & rec rm w/wet bar.

2300 sqft 3 bedroom bungalow sitting on 2 acres of gardens, features gorgeous designer kitchen w/breakfast bar & granite counters, vaulted ceilings in great room w/showcase fireplace, beautiful Brazilian cherry hardwood floors, spa inspired ensuite.

Call Today 905-575-7700

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The Golfi Team Real Estate Market Watch

April 1, 2011

Commercial Rob Golfi* NeW PrIce

beamsville $259,900 4498 Ontario Street

beamsville $1,199,900 4485 King Street

beamsville $399,900 5532 King Street

beamsville $235,000 4993 King Street

Ideal for Home Business. Impressive 4 bedroom, 4 level back split sitting on 60' x 150' lot. Features hardwood floors, updated windows, shingles ('06), furnace ('03), garage door & opener ('08), 2 fireplaces, walkout from lower level, 20' x 22' garage.

Over 700 ft of frontage on Niagara's busiest wine route. 26.6 Prestigious acres on the lower bench with over a 20ft fall from front to back of property. Property consists of a large barn with 2 cold storages, heated workshop and parking area. 3 residential detached homes on property.

Zoned light industrial, consists of building plus 4 Bedroom century home sitting on approx 3 acres located on Regional Rd 81 on wine route, with good traffic. Property has 6000 sq.ft steel frame building on concrete slab with 2 washrooms, 220 volts.

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.

Home Staging Done Inexpensively by: Sheri Gamble Details Event Coordination Inc.

When some people hear "home staging", dollar signs immediately come to mind.

Certainly, hiring a professional home stager and sprucing up a home's interior requires a monetary investment, but it doesn't have to break the bank!

The return often outweighs the cost of staging. These days, it can be difficult to move a house off the market. For that reason, hiring the proper stager is your wisest investment.

Changing the look of your home’s décor does not require a hefty price tag to insure a positive outcome. Relying on an eye for detail and a touch of creative thought will go further than any pocketbook when it comes to a look that suits you!

Good home stagers use principles, which are surprisingly inexpensive. In fact, proper home staging shouldn't entail revamping from floor to ceiling. Rather, it's more about pinpointing trouble spots around the house and decluttering like crazy.

Professional Home Stagers are bargain hunters! Thrift stores and garage sales are perfect places to find unique and unusual furniture and decorations for your home that can immediately transform a room. No, the furniture may not look perfect at first, but you just need to squint your eyes and imagine what a fresh coat of paint or a new upholstery job can do.

Mirrors lend the appearance of a much more wide-open space. If you have a fire place, strategically located mirrors can spread the

warmth and coziness of a fire throughout the room making the room as a whole seem like a much more enjoyable place to escape.

Updating furniture is also a considerable expense. Furniture styles change frequently and if you want to keep up with the latest color or pattern trends, consider slipcovers for some of your pieces. Not only are slipcovers ideal for cleaning, they allow stagers the opportunity to change the look of the room quite inexpensively.

New kitchen cabinets are of course, a great expense, but stagers often recommend paint to give them an updated look. Or, consider new cabinet hardware, which provides your kitchen with an instant makeover.

Overall, stagers will create a budget and shop for those accessories that serve as investments in the sale of your home. Inexpensive yet effective purchases make a huge impact on your home’s appeal. Hire a stager and you’ll be amazed at the results!

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.

Or visit their website at www.detailseventco.com.

Half Price Restaurant Gift Certificates MenusOnly.com, Hamilton and Halton’s Online Restaurant Menu Guide, is selling off gift certificates from restaurants in Hamilton, Burlington and Oakville at half price! Visit www.MenusOnlySellOff.com to see what gift certificates are available. New gift certificates from different restaurants will be added once per month, or maybe more. The only way to find out is to subscribe for email alerts, or follow us on Facebook or Twitter.

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.

Restaurant Owners - Reach your target market by listing your menu where customers are looking. With thousands of visitors per month, MenusOnly.com is the place people go to before dining out. MenusOnly.com helps to drive more customers to your restaurant by placing your menu in front of them when they are deciding where or what to eat!

Call Today 905-575-7700

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April 1, 2011

The Golfi Team Real Estate Market Watch

Page 7

EASTER COLOURING CONTEST

3 GRAND PRIZES TO BE AWARDED! Name of Artist: Address:

Age: Phone #:

PLEASE MAIL YOUR ENTRIES

BY APRIL 26 TO: THE GOLFI TEAM, RE/MAX 664 Fennell Avenue East Hamilton, Ontario L8V 1V1 Winners to be announced in May 1st Edition

www. GolfiTeam .com

MarketWatch April A_MarketWatch_Transfer.qxd 30/03/11 2:39 PM Page 8

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$864 MONTHLY

MONTHLY P&I* PAYMENT BASED ON 5% DOWN

OUTSTANDING FEATURES

STYLISH 2-STOREY & BUNGALOW TOWNS NESTLED WITHIN A BRAND NEW COMMUNITY PARK!

t 063 45"/%"3%4 "3& .045 BUILDERS UPGRADES t 0/-: #-0$,4 0' 508/4 AVAILABLE t -6963: &/46*5&4 t 42 '5 t %&4*(/&3 KITCHENS

SITE HOURS: Mon,-Thurs 1-5pm Sat-Sun 1-5 pm Fri by appointment

REGISTER ON-LINE NOW! MODEL HOME

1-289-566-9528

905-945-0188 www.homesbycambridge.ca

The bi-weekly P.I. payment, based on 5% down, and a purchase price of $228,000 works out to $864 MONTHLY, (based on 5 year term, 35 year amortization)