July & Aug. 2010 Issue 13

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July/August 2010 - Vol 19

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 4519 St. Volodymyr, Beamsville Thank you for helping us sell our home. From the first moment, we felt comfortable and secure that you were the right person. You were easy to talk to, explained everything and always kept us in the loop.

We have passed your name on to some friends that will be selling their home this Fall, and we are confident they will have the same great experience we did!

Dan & Cheryl

wow!

35 Ivybridge Drive STONEY CREEK

$489,900 4 Large Sunny Bedrooms

This is the One! Looking for brand new but better? 2400 sq. ft. builder's model home overflowing with upgrades including 9 ft ceilings, hardwood floors, loaded kitchen with granite counter tops, formal dining rm, slate floors, crown mouldings, spiral staircase, 4 bedrooms, showcase gas fireplace, rich hotel style ensuite bath, main floor den, bedroom level laundry, backing onto green space with pond.

Rob Golfi Sales Representative

Visit www.RobGolfi.com for more details.

Rob Golfi Sales Representative

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, 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, 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, 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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July/August 2010

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What is the Ideal Selling Price for your Home?

H

ow much can we get for our house?”

That’s often the first question asked when putting a house on the market.

Obviously, you want to get the most money possible for your house. But if you set your price too high you’ll scare off potential buyers – and their agents! If you set your price too low, you’ll be leaving money on the table. People might also reasonably assume that there’s something wrong with the property. “Why the low selling price?”

Ideally, the selling price should reflect the market value of your house, and should be influenced by how quickly you want to sell it.

What is Market Value?

It’s simply the price that potential homebuyers are willing to pay for a home like yours in your neighbourhood.

Your agent should suggest an asking price for your house based on market research. The analysis should include sales of properties in your area that are similar to yours – taking into account the number of rooms, lot size, square footage, special features (such as pools), etc. – and provide a comparison.

For example, if your house has two storeys with three bedrooms and a finished basement, the research should include other houses in your neighbourhood with the same features. If these houses sold for an average of $245,000, then it’s a good bet that potential buyers would be willing to pay that much for your house.

An agent will try to find at least three recent house sales in your neighbourhood. (The more recent the better, as home prices can fluctuate.)

Don’t take it Personally Market value doesn’t take into account any emotional attachment you may have to any particular feature of your house. You may look at your backyard garden with pride and remember the many hours of hard work you spent planning, planting and nurturing. But no matter how much more valuable you think the garden makes your house, it is still only worth whatever someone else is willing to pay for it.

Need help setting the ideal price for your house, so it sells quickly and for the highest possible price. Call Rob Golfi today at 905-575-7700.

-Å

2 6 3 8 1 2

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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.

“I think somebody flipped our house!”

www.golfiteam.com

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Page 3

Grimsby Rob Golfi*

GRIMSBY $262,900 Location! Location!

3+1 bedroom side-split in a great family neighbourhood. Features a new open concept kitchen & situated on a large lot, close to schools and shopping. Escarpment views from your front door!

GRIMSBY

$247,900

GRIMSBY

Backyard Haven

GRIMSBY 249,900 Charming 3 Bedroom Bungalow

Large mature lot. Recent upgrades: windows, siding, soffits, facia, eaves troughs, furnace and baths. Oak cabinets in kitchen, hardwood floors on the main level, newly renovated lower level.

Private backyard includes a pool and 6 person hot tub (07).

Situated on spacious treed lot on quiet cul-desac, beautiful gleaming hardwood in bedrm, sun filled living room with floor to ceiling bay window, fin’d bsmt w/full bath & spare bedrm.

Fenced yard. Close to schools, parks & quick access to QEW.

Spectacular raised ranch boasts tremendous character! 2+2 bedrooms. Updates include gleaming hardwood, gourmet kitchen with backsplash, granite counter tops & mobile island. Plus a heated double garage and 3 outer buildings!

Call Rob Golfi

GRIMSBY $319,900 Inviting 1,500 sq.ft. Home

GRIMSBY

or visit

Completed top to bottom with professionally finished basement. Spacious eat-in kitchen, dinette, cozy front porch with Escarpment views, patterned concrete drive, patio, private treed yard. Very desirable neighbourhood. Quick access to QEW!

If you want it

GRIMSBY $373,000 3+1 Bedroom Bungalow Spectacular one level on one acre of sprawling landscape. Gated front for privacy, gothic stone exterior w/double garage & drive. Airy & spacious living areas, 2 fireplaces, summer style eat-in kitchen & fully fin’d lower level with 2nd kitchen. In-law potential plus updates!

SOLD 905-945-0188 www.RobGolfi.com

$449,999 1.67 Acres

$294,900 Escarpment Views

3+1 bedrm family home with views of the escarpment from your backyard. 4 finished levels. Family room with gas fireplace, finished rec room on 4th level with large laundry room, great neighbourhood, close to schools, parks and minutes to the QEW.

wAtERfRont

GRIMSBY $269,900 One Floor & More

GRIMSBY $974,900 Extraordinary 4 Bedroom Custom

Bright & spacious bungalow situated on oversized treed lot backing on to a lush green space. This well built home feats. beautiful hrdwd flrs, vinyl windows, finished rec rm w/wet bar & spare bdrm.

Approx 4800 sq.ft w/lakeviews. Oak kitchen w/granite counter-tops, blt-in appls & terra cotta tiles. Large family room, oak hrdwd, dining rm w/vaulted ceilings, living rm w/fp, main flr den, master with 5 pc ensuite & inground pool.

GRIMSBY

$579,900

GRIMSBY

$199,999

Lake Views

Quiet Location

Backing onto Niagara Escarpment with views of Lake Ontario, secluded setting on 1.83 acres in the heart of Grimsby, beautiful centre hall plan with 4 bedrooms, main floor den & laundry, sun room, gorgeous oak kitchen cabinets, walking distance to downtown, schools and parks.

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!

1 ACRE

GRIMSBY $289,900 Impressive Top to Bottom!

GRIMSBY $549,900 Great Value - 1 Acre Lot

GRIMSBY $609,900 Escarpment Setting

Amazing 3 bdrm home in great area! Fully finished w/recent updates. Bright eat-in kitchen w/large bay windpw, hrdwd on mn lvl & sliding drs from sep. din rm to priv. resort style bckyrd.

New furn(’10), shingles (’09) all vinyl wndws & fully fin’d bsmt.

3 bedroom, 3000 sqft all-brick beauty on 1 acre lot! Built in 1990, features incl. solid oak drs, trim & kitchen cabinets w/granite counter-tops.

Gleaming hrdwd flrs, finished basement, crown molding, 50 yr clay tile roof & 3000 gallon cistern.

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

wAtERfRont

48 ACREs

GRIMSBY $1,499,900 Fabulous Lakefront 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!

GRIMSBY $489,900 25 Acres Zoned Private Rec. Unique property zoned for private club recreational use; suitable for many types of organizations w/mutual picnic area.

Banquet/dance hall 2500 sqft with 12 ft ceilings, FP, full kitchen facilities, bar area, coat check, bathrooms & spacious bsmt for storage.

GRIMSBY

$649,900 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.

Call Today 905-945-0188

GRIMSBY

$379,900 Open Concept

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. wAtERfRont

GRIMSBY $1,499,900 2 Acre Lakefront 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!

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The GOLFI TEAM Real Estate Market Watch

July/August 2010

www.golfiteam.com Rob Golfi*

wow!

STONEY CREEK $489,900 Better than Brand New!

STONEY CREEK $224,900 Super 3 Bedroom Semi

STONEY CREEK $399,900 3 Bedroom with Views

EAST HAMILTON $244,900 3 Bedrooms

2400 sq ft. builder's model home overflowing with upgrades including 9 ft ceilings, hardwood floors, loaded kitchen with granite counter tops, formal dining rm, slate floors, crown mouldings, spiral staircase, showcase gas fireplace, 4 large sunny bedrooms, rich hotel style ensuite bath, main floor den, bedroom level laundry, backing onto green space with pond.

Great 3 bedroom semi-detached in prime Stoney Creek location. Very clean & well kept, finished top to bottom. Features newer shingles, all new windows, sliding door & open fireplace in family room with walk out to private yard. Close to amenities.

Extraordinary bungalow sitting on large lot with incredible view of the city. Features oak kitchen cabinets with bay window, sunken living room with fireplace, dining room with hardwood flooring leading to resort style back yard with panoramic view, beautiful landscaping & newer shingles (’05).

Very well kept 3 bdrm all brick bungalow w/detached garage. Possible in-law suite w/2nd kit & bath. Prof fin’d lower lvl. Plus updated bath, kit & new furnace (’09). Hrdwd under broadlm. Priv concrete long side drv. Beautifully landscaped & privRW fenced yrd. Quick hwy access.

STONEY CREEK $274,900 Approx. 2000 sq.ft.

EAST HAMILTON $289,900 In-law Potential

STONEY CREEK $524,900 Designed with Style!

Marz built ’09. Fully loaded w/hrdwd, maple cabinets, 18x18 Italian glazed porcelain tiles, crown moulding & C/A. Fin. Bsmt w/berber & pot lights. Concrete walls between units for sound comfort.

Spotless & spacious home in Riverdale area. All levels finished. In-law potential in bottom 2 lvls w/sep rear walk-up. Hrdwd in upp 3 bdrms & LR. Ceramics in foyer, dining room, Fam rm & lower 2 bdrms. Priv. fenced yrd w/shed.

Former Model home. 4 bedrooms, den & loft, eat-in kit, formal living and dining rooms, awesome Fam rm open to 2nd flr. Professionally finshed basment. Amazing landscaping.

Gleaming hrdwds, porcelain tiles, surround sound throughout, tons of upgrades.

wAtERfRont

wAtERfRont

SOLD R HE T O N A ONE STONEY CREEK $649,900 Exclusive Waterfront

STONEY CREEK $684,900 On Turtle Pond

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!

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

If you want it

SOLD Call Rob Golfi

905-575-7700 or visit

HAMILTON CENTRAL Updates

$112,900

Renovated & ready to sell! Get inside this cozy 2 bedroom bungalow. Large priv. fully fenced yard with deck. Updates incl. 100 amp breakers, windows, doors, front porch, roof, soffits, facia, kitchen & bathroom. All appliances included.

wAtERfRont

STONEY CREEK $449,900 3 Bedroom Gem Waterfront!! Rare gem, 3 bedroom loaded with character, restorations underway! New kitchen (09), living room with beamed ceiling & pine plank floors 0throughout! Balcony with sliders from all 3 BRs upstairs, amazing lakeviews!

www.RobGolfi.com wAtERfRont

SOLD R HE ANOT E ON

SOLD R HE ANOT E ON HAMILTON CENTRAL $129,900 Cute & Cozy

EAST HAMILTON $309,900 3 Bedroom Raised Ranch

STONEY CREEK $724,900 Gorgeous Waterfront

EAST HAMILTON $129,900 Great Starter Home

Lovely 2 bedroom bungalow with a full basement. Updates galore, including newer hardwood floors, shingles, windows, furnace and kitchen. Plus double rear drive and great curb appeal! Come make it yours!

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.

Investment or In-law potential. 2 renovated separate units plus 1 apartment. Updates include landscaping, newer roofing, decking, flooring, awnings, wiring, plumbing, kitchen and much more. Don’t miss out on this one of a kind opportunity.

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.

Call Today 905-575-7700

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Hamilton & Stoney Creek If you want it

EAST HAMILTON $119,900 3 Bedrooms, 2 Baths Larger than it looks! New rear addition provides a master bedroom with vaulted ceilings and a lovely 4 piece ensuite. Offers convenient main floor laundry too. New furnace, hot water tank, all new windows plus interior and exterior doors. New siding, kitchen, baths, berber carpet and laminate all done in 2010.

SOLD Call Rob Golfi

905-575-7700 or visit

www.RobGolfi.com

EAST HAMILTON $419,900 In-law Setup - 4 Bedrooms

EAST HAMILTON $149,900 Just Move In!

Executive area near O'Sullivan Memorial park.

All brick 4 bedroom home with a full in-law suite. Large Barzotti style kitchen with solid oak flooring, cabinets and french doors that grant access to a bright sunroom overlooking a serene and picturesque backyard with a kidney shaped in-ground pool. Plus a double concrete drive and an additional single drive for in-law parking.

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.

SOLD R HE T O N A ONE EAST HAMILTON $279,900 Gorgeous 4 Bedroom Home

MOUNT HOPE $424,900 Top Notch Finishes

STONEY CREEK $229,900 Totally Renovated

wEST HAMILTON $289,900 Spacious In-Law Suite

Fabulous 2 Storey in quiet neighbourhood features spacious centre hall plan with oversized living room with showcase fireplace, formal dining room with a large bay window, 4 spacious bedrooms with ensuite off of the master, beautiful hrdwd with gorgeous plaster & crown mldings on the main floor. Fully fenced yard.

Wow, looking for brand new but better? 2200 sq. ft with hardwood on bedroom level, Brazilian cherry in living and dining rooms, oak staircase, cathedral ceilings, maple kitchen with ceramic backsplash, California shutters, professionally finished basement with theatre room. Plus stamped aggregate concrete w/light features.

Totally renovated Zoned Industrial Residential, ideal for many uses. Quick QEW access , huge fully fenced 75x200 ft lot. Spacious living room w/new laminate, eat-in kit, updated bath. New hi-eff furnace, 2yr old sump pump.

Wonderful 3+1 bedroom home located close to McMaster University! Includes a single car detached garage, new roof, eaves and sofits plus lush landscaping. Great for a growing or multfamily as it boasts a spacious in-law suite that incls. a newly updated bath, family room with fireplace & bedroom.

STONEY CREEK $377,900 4+1 Bedroom

HAMILTON CENTRAL $115,000 Renovations Galore!

STONEY CREEK $272,900 5 Level Backsplit

STONEY CREEK $689,900 Exquisite Custom Built Home

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.

Fantastic 3 bdrm, 2 storey home in immaculate condition! Renovations galore & available for immediate possession. Sliding door to rear deck & fully fenced yard. Close to local amenities & quick access to the hwy.

Spacious all brick 5 levle backsplit w/in-law suite. 2 car garage & large drive fits 6 cars. Inlaw suite has separate entry, newer hickory kitchen, family room with fireplace and walkout to large lot. Newer furnace, central air, garage door plus walk-out to garage from basement

3500 sq ft Gourmet European kitchen w/granite.

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

SOLD R HE T O N A ONE

SOLD R HE ANOT E ON wEST HAMILTON $83,900 Condo Apartment

wEST HAMILTON $194,500 Opportunity Knocks!

STONEY CREEK $499,900 Custom Built to Perfection

HAMILTON CENTRAL $154,900 Stunning Starter!

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.

This investment opportunity awaits you. 3+1 bedroom located within steps to McMaster University. Makes for a great student rental.

Updated wiring, new sofits and new deck in backyard. Don't miss out on this opportunity

3+1 Bedrm w/gourmet kitchen & granite cnter tops, travitn flrs, sunken fam rm w/fp & hrdwd in bdrms. Plus California shutters, crown mlding & Cthdrl ceilings. Upgds incl. furnace & c/air (08), pool heater & liner (09) newer wndws, facia & eaves.

Stunning 3 bdrm in great location. Newer shingles, windows, doors (’06) & roof. Updated canac eat-in kit, carpet, ceramic, bath & paint.

Plus hydro on breakers, C/A, enclosed porch & side drive. Near park, school & amenities. Move in ready

Call Today 905-575-7700

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July/August 2010

Lincoln & West Lincoln Rob Golfi*

VINELAND $199,900 Fantastic Value!!!

BEAMSVILLE $209,900 Spectacular 4 Bedroom Semi!

FONTHILL $649,900 4 Bedroom Executive

VINELAND

Sensational home with the best value in town!

Immaculate 3 bedroom with plenty of storage space. Double drive plus garage with inside entry. Private backyard, offers a sense of serenity with no rear neighbours! Close to all local amenities. All at an insurmountable value!

Great neighbourhood! 1700 sq ft of living space plus finished rec room in full basement.

Bright eat-in kitchen with large bay window plus spacious living & dining room. Huge master with ensuite potential. Situated on a large, mature, fully fenced lot.

Stunning 4 bedroom, 3300 sq ft on exclusive street. Built 4 yrs ago & features hardwood, porcelain floor, granite countertps, 60 interior & 11 exterior potlights, main floor den can also be a formal living room. In-law suite with separate entry plus an endless list of upgrades!

Built in 1991. 3645 sq.ft of luxury. Beautiful oak kitchen with island, granite counter tops, ceramic back splash, gleaming hrdwd flrs, dining room, family room with fireplace, hotel style master bedroom with 6 pc ensuite & gas fireplace. Grand entrance with spiral staircase.

BEAMSVILLE $239,900 Spacious 3 Bedroom Townhome

PELHAM $484,900 Loaded with Character

Spacious 3 bedrm town in immaculate condition built in ’02 includes a warm & inviting kitchen with light cabinetry & ceramics. Sliding doors to back deck & fenced yard overlooking park, large master, walk in closet. Professionally finished basement. Yard has sprinkler system, very quiet location.

Unique 3 bedroom home on 3.4 acres. Large kitchen with new ceramic, living room, main floor laundry & hardwood floors. Aged cedar look-alike metal roof has lifetime warranty.

Outbuilding with loft. Plus more!

BEAMSVILLE One Acre Lot

319,900

Five bedroom home on deep lot boasts 4 bathrooms, inlaw suite and deck off back sliding doors. Large livingroom with fireplace, separate dining room and eat-in kitchen. Large, treed backyard on 322 ft deep lot. Lots of parking!

$469,900 2.77 Acre Estate

BEAMSVILLE Local Escape

$69,900

Clean and well cared for mobile home, open concept w/recent updates! Newer shingles, flooring & pantry. Spacious living room & kitchen w/cathedral ceilings. Current park fee $261/mth incl. water, garbage, sewer & snow removal.

27.5 ACREs

SOLD R HE T O N A ONE VINELAND $274,900 In Mint Condition!

wEST LINCOLN $215,000 Quiet Country Setting

BEAMSVILLE $289,900 Upgrades Galore!

PELHAM $824,900 A Country Dream

Immaculate 3 bedroom raised ranch in mint condition. Spacious 1250 sq. ft. Lower lvl features updated furnace (’05), shingles (’03) attached 1½ car garage w/inside entry to large foyer plus finished rec rm w/wood FP & eat-in kitchen w/bright bay window.

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.

One of a kind 3+1 bdrm, 2 storey home w/plenty of impressive upgrades! Almost like new. Approx. 2000 sq.ft & backs onto Green Lane. Recently finished bsmt, new flring thruout, beautifully landscaped plus fully fenced private yard. The list goes on!

5 yr old Executive on 27.5 acres, $70,000 in upgrades! 3+1 bedrooms in this open concept.

Brazilian Cherry hardwood,vaulted ceilings.

Gorgeous Maple kitchen w/granite & brkfst bar. Insulated bsmt floor, 3 bay, 1200 sq.ft gar with heat & hydro.

Commercial Rob Golfi*

GRIMSBY $489,900 25 Acres Zoned Private Rec.

BEAMSVILLE $259,900 Prime Commercial

Unique property zoned for private club recreational use; suitable for many types of organizations w/mutual picnic area.

Banquet/dance hall 2500 sqft with 12 ft ceilings, FP, full kitchen facilities, bar area, coat check, bathrooms & spacious bsmt for storage.

Call Rob today at 905-945-0188.

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.

Call Rob today at 905-945-0188.

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

Call Today 905-945-0188

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Consider a Finished Basement by: Joe Keca Home Improvement Group

F

or many homeowners, finishing the basement provides the solution to many items on the family “wish list”. A place to play, a space for entertainment, a home office, organized storage – the uses for an attractive basement are limited only by your imagination.

As with any home renovation project, planning carefully with clearly thought out goals will result in long term satisfaction. Consider how your finished basement will be used, keeping in mind future, as well as immediate, needs. Your children may need a playroom now, but as teens they may want homework or entertaining space (and eventually you may even get that pool table you dream about).

Once you’ve established how you plan to use your finished basement, take a realistic look at your space requirements. If you are planning to install large items such as a big screen TV or a ping pong table, be sure to allow for enough room so that you won’t feel cramped. Additional storage can mean anything from adjustable shelving to walk-in closets – with considerably different space requirements.

Keep in mind that a few large rooms give a much more spacious feeling than a series of small ones. And when considering the best use of space, remember to allow for the assortment of ducts, posts, and varied ceiling heights found in most basements. Consider the following points before the first nail is hammered, and save yourself at least some of those annoying “why didn’t we think of…..?” conversations after your basement is finished.

Do you really need another washroom in the basement? Many modern homes have two or three upstairs (how many do you really want to keep clean?)

Will enlarging the existing windows be beneficial? Increasing the natural light in basements, even by as much as one-third the size of the original windows, can have a dramatic overall effect.

If extra sleeping space is required, must it be in a separate room?

Is the foundation in good repair?

Moisture is one of the major problems in basements so have a professional inspection before renovating begins.

Many people complain of being cold downstairs. Adding extra insulation brings an excellent return on comfort levels. If you are carpeting, consider upgrading the underpad for the same reason.

Do you need to consider sound proofing because of a home office or basement bedroom.

Once you have an overall plan in mind, your next step is to decide how much, if any, of the work you are willing and able to do yourself.

Realistically consider your available time, your range of skills and the tools you will need to buy or rent if you plan to have your basement finished. You might undertake the tear-out and disposal work yourself, as well as perhaps the painting. Finishing, framing, drywalling, flooring and electrical and plumbing work may be best left to the experts.

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

Page 7

Be Ready for Moving Day! Whether you do it yourself or hire a professional, a little planning goes a long way: • Arrange for the transportation of yur household goods.

• Notify everyone of the date of your move and your new address.

• Hire a moving company or rent a truck.

• Arrange for transport of items that require special attention (pianos, pets, etc.).

• Do an inventory of your home.

Dispose of things you no longer need. Donate to charity or have a yard sale.

• Dispose of hazrdous materials paint, thinners, gasoline.

• Pack seldon used items as soon as possible.

• Have ppliances cleaned and serviced before th move. Don't forget to defrost the fridge and freezeer.

• Decide where you want furnishings placed in your new home and label them accordingly.

• Hire a sitter for moving day. It's going to be a hectic day!

• Plan on being present at the loading and unloading of your belongings.

• Keep a record of all moving expenses for income deductions (if applicable).

• Have your car serviced and keep emergency supplies in the trunk.

• Make a last check of the house – closets, basement, garage, yard – make sure nothing is left behind.

Remember to Notify: o Bank o Broker o CableEntertainment o Canada Pension o Credit Cards o Daycare Service o Dentist o Doctors o Driver's License o Employment Insurance o Family Allowance o Finance Companies o Fuel/Propane o Gas o Health Plan o Hydro/Electric o Income Tax o Insurance company o Internet Provider o Lawn/Garden Services o Lawyer o Library o Mail Orders o Magazines o Newspapers o Old Age Pension o Pool Services o Post Office o Property Tax Reg. o Schools o Telephone & Cell Phones o Unions o Vehicle o Water o Water Treatment

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.

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

Rob Golfi Sales Representative

Sharon Stafford Sales Representative

Heather Reid Sales Representative

Hans Marcelissen Sales Representative

Wendy Murray-Nicholson Sales Representative

Penny Bryce Sales Representative

MarketWatch July/August 2010_MarketWatch_Transfer.qxd 16/07/10 10:28 AM Page 8

Page 8

The GOLFI TEAM Real Estate Market Watch

FeatureHome

Rob Golfi*

S

pectacular 2 acre lakefront property with breathtaking views of Lake Ontario. This absolutely picture perfect, 2 storey custom built brick home features approximately 4800 square feet of living space, 180 ft of armour rock shoreline protection.

Boasts 3 terraces, 22 x 35 ft boat house, potting shed with power, schwenker concrete pool, sauna, lawn irrigation system, interlock walkways and landscaping beyond belief.

Impressive interior includes a beautiful oak kitchen with granite counter tops, built in appli-

July/August 2010

ances, terracotta flooring, gleaming oak peg hardwood floors with vaulted ceilings & exposed beams. Plus main floor den with a built in credenza and pine walls.

Relax and enjoy the gorgeous view from the main floor sunroom. Upstairs features two master suites, one with a gorgeous 5 pc ensuite and his & hers closets.

Additional living space includes the cozy fully finished basement, with a fireplace, 2 piece bathroom, sauna and shower, accessible from the outdoor patio. An ideal home for

entertaining in any of the spacious living areas or out on the patio in the outdoor barbeque area surrounded by great scenery and situated by the pool.

Ample parking is always available as the driveway that runs to the shoreline and boathouse is fully paved. This luxurious lakefront is truly everything you could ever want and more! Ever dreamed of Lakefront living? Welcome home, your dream has come true! Call the Golfi Team today at 905-575-7700.

188 North Service Road, Grimsby Price:

$974,900

Taxes:

$11,899 (2009)

Lot Size:

180ft x 310 ft

House Size:

4,800 sqft approx. on 2 acres

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