Nov. 1, 2011 Issue 36

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November 1, 2011 - Vol 33

P R E S E N T E D

B Y

T H E

G O L F I

T E A M

We Remember‌

November 11

Rob Rob Golfi Golfi Sales Sales Representative Representative

Feature Home

Grimsby 487 Ridge Road East

$675,000

Beautiful setting from the iron gates to the spectacular view of the woodlands Bruce Trail & 30 Mile Creek.

This home has had a complete makeover from the interior to the exterior. Call 905-575-7700 for a private viewing today!

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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

am mails e T i lf o G e h T

65,000 ly! atch month

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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MORE MONEY $$$ Ask us How!

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November 1, 2011

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Maximum Exposure Sells Your Home Call the Golfi Team to get your Home Sold

905-575-7700 905-945-0188 www.golfiteam.com The GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada.

www. GolfiTeam .com

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November 1, 2011

The GOLFI TEAM Real Estate Market Watch

Page 3

Hamilton & Stoney Creek Rob Golfi

stonEy CrEEK $224,900 #6 171 Highbury

Hamilton $219,900 54 Alanson Street Unit# 101

stonEy CrEEK $229,900 1026 Highway #8

binbrooK, on $319,000 28 Powell Drive

Immaculate 2 storey 3 bedroom end unit with low condo fees, large master bedroom with walk-in closet, large eat-in kitchen with ceramic floors, private deck, fantastic location close to Rymal, Linc & Redhill Expressway, schools and all amenities. Plenty of visitor parking.

Gorgeous & functional loft at the foot of the escarpment! Private entrance at the front of the building w/porch. Open concept w/exposed post & beams, hardwd flrs & windows galore. Fully finished lower level, gas fireplace, & BR level laundry. Walk to Rail trail & Wentworth stairs.

Big bungalow in Stoney Creek on the Winona border! Country living minutes to Eastgate Mall & easy hwy access. Big bright rooms & updated furnace, c/air & windows, 2 car parking, big front deck, easy care lawn & landscaping, great value, & fantastic neighbours! Call 905-575-7700.

Amazing open floor plan in this Flamingo Home loaded with over $20,000 in upgrades.

Outstanding value with hardwood floors, upgraded carpeting, French doors, central vacuum, oak staircase, upgraded railings, inside entry and more.

Bring your clients to view this home today.

stonEy CrEEK $329,900 6 Darrow Drive

stonEy CrEEK $189,900 518-500 Green Road

Hamilton $139,900 806 Concession Street

stonEy CrEEK $519,900 21 Watercliff Place

Great sought after location in Stoney Creek.

Hardwood in living and dining rooms, big eat in kitchen, huge family room with a gas fireplace over garage, concrete double drive, walkway and patio. Separate dining room, fully finished bsmt with extra kitchen. Call 905-575-7700 today.

Beautifully maintained and upgraded suite with breathtaking views from windows and balcony.

Features new furnace & c/air system, new 800 series doors, freshly painted, amenities include pool, gym, sauna, library, work shop, squash courts, locker #14, and a parking spot.

Well maintained, cozy 3BR bungalow. Built-in cabinets, fenced yard w/large deck. Close to Henderson Hospital, Mountain Brow/Sherman access. Updated shingles, freshly painted, 100 amp breakers, fantastic move in condition! Call 905-575-7700 today.

Stunning 4 bedroom Lake Pointe home steps from the lake and near 50 Point Marina. Large formal living & dining room, eat-in kitchen with granite counters. Master has and his/hers closets & spalike master bath with soaker tub. Patio doors lead to deck with gazebo and large backyard.

Hamilton $79,900 11 Keith Street

Hamilton $119,900 90 Hope Avenue

stonEy CrEEK $339,900 23 Highgate Drive

stonEy CrEEK $274,900 3 Beachgrove Crescent

3 bedroom Semi! Granite cunters & floors, crown molding, 100 amp breakers, finished basement, roof 2010. Main floor has open concept eat-in kitchen, dining room and living room. Upstairs has 3 spacious bedrooms and a full bathroom. Great family home!

Renovated 2 bedroom bungalow w/great hwy access. Double rear drive, all appliances included.

Immediate possession available. Basement waterproofing 25 year transferable warranty, updates includes flooring, bathroom and front porch. Get inside! Call 905-575-7700 today.

Custom built raised ranch (1996) with over 2600 sq ft of living area near a park. 3+2 bedroom, 3 baths, 2 kitchens, 1.5 garage with a double drive.

Top quality materials used with over $50,000 spent in basement. New roof in (2011), freshly painted, ducts cleaned in (2010). Get inside!

Fabulous find, 2 storey home w/3 spacious BRs, lrg sunny LR & DR combination w/sliding doors leading to maintenance free & private fully fenced back yard w/gazebo, concrete drive, new shingles 2005, new furnace & c/air 2005, close to Linc & Red Hill & all amenities.

Hamilton $324,900 65 Princeton Drive

stonEy CrEEK $274,900 90 Whitefish Crescent

Hamilton $95,900 399 Fairfield Avenue

East Hamilton $199,900 154 Rosewood Road

This all brick oversized 4 level back split in fantastic Sherwood heights neighborhood is available for immediate possession! Features updated vinyl windows, updated shingles, beautiful hardwood & ceramic flrs, second kitchen in lower lvl, great in-law potential, sun-rm, & fence yard.

“The perfect 10!” 2 storey, 3 BR, 1715 sq.ft. freehold! 1.5 car garage & parking for 3 cars, open concept, computer loft & covered balcony w/view. Hrdwd flrs in LR, kitchen, DR & pantry.

Upgraded stainless steel appliances & carpet.

Ensuite, 3 walk-in closets & steps to Lake.

Spacious 1 BR bungalow! Incl updated kitchen w/lots of counter space, fenced yard, new roof shingles & high efficiency furnace (gas on equal billing $66.00 month!), 100amp on breakers, big rear deck w/awning, big bathrm & lots of storage in bsmt. Can be 2 BR if needed. Shows great!

Cozy & Desirable East Hamilton 2 bedrm doll house! Features hardwd floors under broadloom, finished rec rm in basement, mostly vinyl windows, updated furnace, detached garage, appliances included, close to busses, shopping & parks.

stonEy CrEEK mtn $279,900 129 Slinger Avenue

stonEy CrEEK mtn $389,900 1889 Rymal Road

stonEy CrEEK $319,000 1323 Baseline Road

stonEy CrEEK $399,900 35 Riviera Ridge

Charming raised ranch. Beautifully landscaped, ideal for growing family. Features new stylish kitchen with pantry & breakfast bar, hardwd flrs in front room & hallway. Enjoy lounging in the fully finished basment w/bedroom & bathroom.

Close to amenities & schools.Call 905-575-7700.

Gorgeous raised ranch w/updates within the last 2yrs! Incl. shingles, furnace, hardwd, carpet, hot-tub, new pool liner, Cherry wood kit. cabinets w/granite, windows ‘05 , eaves trough & facia, bathrm ‘08, backing onto conservation w/private gate, & a 400 sqft workshop w/power.

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

4+1 bdrm in prestigious loc’n! Fresh paint & crown mouldings. Plus porcelain tile, kulm hrdwd, main flr. den, lrg eat-in kit, livin rm, sep. dining rm & main flr. laun. New shingles (08) & undergrnd sprinkler system. Call 905-575-7700 today.

Call Today 905-575-7700

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The GOLFI TEAM Real Estate Market Watch

November 1, 2011

Facts About GOLFI… 3 Over $60 Million in Sales Annually** 3

#1 Real Estate Office in Hamilton-Burlington Region*

3 Amongst the Top

Sales Representatives in Ontario**

3 Golfi Team ranked Top 50 Teams in Canada for

**

3 Golfi Team ranked Top 100 Teams in the World for

1998

Rob Golfi Sales Representative

2003

2003

2006

**

2010

OVER $400 MILLION IN REAL ESTATE SALES *#1 Brokerage in the Realtors Association of Hamilton Burlington MLS from 1994 to 2010 consecutively. **Year End Standings for 2010, based on residential commissions paid. Rankings are compiled from figures submitted by regional offices.

LOOK WHAT WE'VE SOLD! D SOL

AYS D 5 IN 3

R UYE B ASH C Y OM T D SOL

D SOL

AYS D 5 IN 2

T LIS F O 9% .

9 9 OR F D SOL

Grimsby $324,900 29 Princess Blvd.

smitHvillE $369,900 26 Hornak Road

Hamilton $189,900 546 Roxborough Ave.

stonEy CrEEK $449,900 15 Sasha Court

Desirable Neighbourhood! Large 4 bedroom home close to parks, water and highway access.

Many updates C/A, windows & exterior foors, garage door, shingles, basement reno, ensuite, blown-in insulation & new hot tub. Sprinkler system front & back. Private fenced in backyard.

Spectacular & immaculate best describes this awesome 4 BR home in Station Meadows! Sitting on a premium lot, approx 2140 sqft. this home features, 9’ ceilings, oak staircase, hardwd flrs throughout, stylish kitchen w/granite counters & breakfast bar, fenced yard w/concrete patio.

Renovated to the studs! 3 bedrooms & 2 full bathrooms. All new wiring, insulation, furnace, C/A (2 yrs), roof, siding, kitchen, windows, 2 new bathrooms including ensuite. Main floor bedroom & laundry. All appliances included.

Side drive. This home exceeds standard!!!

Custom-built home in the heart of Stoney Creek. approximately 2,900 sqft with 4 Bedrms. Large kitchen with Maple cabinets, butler run/servery to dining room, hardwood & ceramic throughout.

Oak stairs, covered 8' x 17' back porch.

Unspoiled basement with R/I bath & fruit cellar.

AYS D 0 N3

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IS OF L % 8 OR 9 F D SOL

stonEy CrEEK $284,900 125 First Road West Fantastic 3 bedrm, 2 stry home in immaculate condition! Features beautiful hardwood in living & dining rm with oak stair case, finished basement with rec-rm & wet bar with spa like bath, concrete drive & patio, shingles 2008, new garage door, fenced yard, rm sizes approx.

ER Y U HB S A C MY O DT L O S

GET YOUR HOME SOLD TODAY! 905-575-7700 / 905-945-0188 D SOL

AYS D 8 IN 4

ER Y U HB S A C MY O DT L O S

S FER F O IPLE T L U HM T I DW SOL binbrooK $289,900 38 Topaz Street 5 year old Losani built 2 storey home! Check this one out! Detached 3 bedroom home with bedroom level laundry and open concept design.

Exposed aggregate walkway and patio complete the fenced in rear yard with shed. More @ www.Golfi.ca

TO D L SO

YER U B TO N O TOR

Hamilton $152,900 64 Cope Street

Hamilton $399,900 25 Melbourne Street

Hamilton mtn $259,900 75 Windrush Crescent

East Hamilton $229,900 635 Dunn Avenue

3 bedrm brick beauty w/ long side drive & garage. Some newer vinyl windows, large principle rooms, separate dining room, walk-in closets, fenced yard, freshly painted, new eaves & downspouts directed away from home, original hardwood floors & high baseboards.

Trendy & Sylish move in ready & close to Lock St. Features fully finished basement with in-law set up with separate entrance & additional 4 car parking at rear, upgraded designer kitchen with doors leading to large deck with awning, beautiful hardwood & California shutters.

Fabulous family home on large lot (57’x100’).

Same owner for 32 years. Updates include: shingles(’08), garage exterior(’10), back deck & railing(’10), windows(approx.5 yrs), professionally painted in August, kitchen resurfaced(’11), ensuite privilege, walk-up to yard & possible in-law.

Charming bungalow will surprise you! Features all new carpeting, hardwood flrs, master bedrm w/french doors, updated bathrms, finished basement with in-law & gas fireplace, updated vinyl windows & doors, 18x30 insulated garage w/220 volt, & mostly new weeping tiles.

Call Today 905-575-7700

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The GOLFI TEAM Real Estate Market Watch

Page 5

Grimsby, Lincoln & West Lincoln Area

Rob Golfi

bEamsvillE $649,900 5225 Greenlane Hobby Farm, 3.27 acre immaculate apple farm could earn you $30-$45 thousand a year, close to all conveniences, beautiful home w/oak trim, 2 fireplaces, underground sprinkler system, 2 large coolers, sandy soil, close to QEW, great opportunity. See more pictures at www.golfiteam.com. Call 905-575-7700.

Grimsby $675,000 487 Ridge Road East

bEamsvillE $239,900 4656 Mountain Street

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

Character home on a large 60'x 180' lot! New furnace ’07, shingles & plywood ’10, New electrical ’11, Garage/workshop is 25' x 33', some new windows & doors, original oak wood flooring on Main level, 3.5"w pine flooring upstairs, large deck with beautiful big yard & mature trees.

Grimsby $399,900 28 Sumner Crescent

bEamsvillE $749,900 4816 Mountainview Road North

Awesome 4 bedroom home features slate & brazilian cherry floors, custom cherry kitchen cabinets, custom drapery, professionally finished basement, new central air and furnace, new liner & pool pump '08, hot tub, mostly vinyl windows.

2 storey, 3000 sq.ft. on 6.75 acre hobby farm!

Upgrades incl new hardwd, new kitchen w/granite, new carpeting w/up-graded under pad, Mbed rm w/luxury ensuite, 3 season sunrm, gas FP, new c/air & furnace, updated shingles, 2 storage out buildings, & quick access to QEW.

bEamsvillE $324,900 4856 King Street

Grimsby $399,900 442 Main Street

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

Character home set along Grimsby’s tree lined street. Features new kitchen, updated baths, new furnace c/air & water heater, new shingles & plywood 2002, all vinyl windows, hardwd under all broadloom, 2 storey garage 45x26 ft w/finished loft above with furnace & bathrm.

Grimsby

$459,900 68 Lake Street

Beautiful, spacious 3+1 bedroom family home with old-world charm, on park-like setting.

Located on large 75' x 195' lot with 25' x 32' tandem deep garage. Beautiful restored hardwood floors, upgraded doors and trim throughout. $1000s spent on upgrades and updates.

Grimsby

$349,900

vinElanD $334,900 3380 Dustan Street Lakefront community living in comfort and style.

This 2 bedroom bungalow features relaxing front porch, 9ft ceilings, 2 full bathrooms, central air conditioning, spacious deck off of kitchen, main floor laundry. Homeowner Assoc. fee $30/mo for use of waterfront clubhouse and beach.

Grimsby $349,900 153 Lakeside Drive Charming bungalow w/family rm addition that will take you by surprise! This 3 bedroom home features vinyl windows, bright bathrm, hardwd flrs, shingles ‘11, skylight, beautifully finished recrm w/wet bar & games area, private treed yard w/perennials, extra long garage, & close to Lake.

3 Hewitt Drive

smitHvillE $399,900 146 Rock Street

Escarpment views! Features beautiful maple kitchen w/granite island & breakfast bar, hardwood & ceramics throughout, great room w/cathedral ceilings & gas fireplace, incredible open concept floor plan, fenced yard, & a high energy efficient home.

Outstanding & immaculate Custom built 2350 sq.ft. Facing park, loaded w/upgrades, features maple kitchen with antique finish and granite counters, gleaming hardwood flrs, porceline tile, California shutters, luxury ensuite master bedrm with French doors leading to 16x24 covered patio.

WATERFRONT

BUNGALOW

Grimsby $369,900 519 Ridge Road East

Grimsby $269,900 446 Main Street West

Grimsby $1,050,000 238 North Service Road

1.37 acres on escarpment ravine near Bruce Trail! Features geothermal system Jan ’10, insulated roof, newer windows, amazing low energy costs, large 2.5 car garage, large deck w/above ground solar heated pool, and charming cedar-sided home with large eat-in kitchen.

Fabulous ½ acre property backs onto green space. 4 bedrm home & 25x35' oversized garage/workshop, affordable enough to build new or renovate. This home offers new shingles & furnace ‘03, beautiful cast iron fireplace, lots of parking space, and easy access to QEW.

Custom built 2-storey waterfront property with stunning Lakeviews! Gorgeous hardwood floors, master bedroom with walk out to balcony & gas fireplace w/rich hotel style ensuite, soaring 10ft ceilings, large designer kitchen w/granite, great big windows. Shows like a dream.

Fabulous end unit freehold Bungalow 1,110 sqft!

90 day closing avail. Come & visit our model home & be wowed on this Energy Guide & Tested Home. Incl great size bedroomss w/3 pc ensuite off master, kitchen area overlooking family rm, attached to next unit only at garage.

Grimsby $309,900 14 Marlow Avenue

WEst linColn $328,500 9407 Silver Street

bEamsvillE $236,000 5126 Conner Drive

bEamsvillE $339,900 4092 Mountain Street

Custom-built 3 bedrm bungalow, open & inviting floor plan w/gorgeous hardwood, spacious kitchen w/breakfast bar and sliding doors leading out private fenced back yard, large master bedrm w/ensuite and double garage with 4-car drive.

Near schools, parks and quick access to QEW.

Amazing updated home on 100 x 200 ft lot, built in 1953, has an open concept living room/dining room with hardwood floors, huge master suite, New high efficiency gas furnance/CA, updated main bath, entry doors, & water conditioner.

Bonus room over the garage.

2 storey freehold town home 1386 sq ft. Similar to be built. 90 day closing avail. Incl. great sized Bedrooms w/3pc ensuite & walk in closet off master, kit w/breakfast area overlooking famrm, attached to neighbouring unit at garage w/access from garage to rear yard, & min to all amenities.

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.

Call Today 905-945-0188

bEamsvillE $241,900 5120 Conner Drive

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The GOLFI TEAM Real Estate Market Watch

November 1, 2011

Are $1 real estate listings legal?

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

ne of the most widely read Moneyville (moneyville.ca) stories in the past month is the one about the Oakville home that was listed for $1.

The house was originally listed for more than $1 million. However, when no offers were received, the price was reduced to $1 in the hopes of creating a bidding war. Instead, the ruse generated accusations of false advertising. While a few offers did come in, they were nowhere near what the sellers wanted, so the property was taken off the market.

Readers were angry and confused.

Although few really believed the house was for sale for $1, they wondered whether this gimmick was legal and, more importantly, did it actually work? It is legal, but the tactic generally doesn’t work because everyone sees through it.

The $1 listing started appearing about five years ago. In the beginning, it was about getting the property noticed or creating a buzz. In reality, it was more about creating a buzz about the real estate agent, who received lots of media exposure. But it didn’t help sell the house. In fact, many agents have told me they and their buyers have not treated these $1 listings seriously in most cases.

When it comes to the law, real estate deals have to be in writing and signed by the seller and the buyer. Just offering to sell a home on the MLS system does not obligate the seller to accept any offer that is presented.

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

priced the property incorrectly. Or, perhaps the seller suffered a change in circumstances, such as losing their job, and could no longer afford to go through with the deal.

But this does demonstrate the importance of properly pricing your property to attract the largest number of potential buyers. Do not try to “test the market” by advertising a price that is 10 to 20 per cent above fair market value. You will only succeed in helping sellers who are selling in your area for fair market value, as they will be able to compare their home to yours. Later, as you start to reduce your price, people will wonder whether the reduction is because something is wrong with your home that is not being disclosed.

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

value, hoping to trigger a bidding war.

Buyers and buyer agents are more sophisticated now about pricing and can recognize this tactic, as well. In a way, it is not much different than the $1 listing strategy.

If you want to price your home to sell, first do the proper home staging to make it appeal to the widest number of potential buyers. Then, after obtaining opinions as to what your home should sell for, price it at a range between fair market value to, at most, 5 per cent below fair market value.

By being more open and honest about the price you will accept, you will attract the most serious buyers who are ready to purchase a home.

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

Contact him at mark@markweisleder.com

Home evaluation No Cost or Obligation

Call Rob Golfi today!

905-575-7700 / 905-945-0188

Sharon Stafford Sales Representative

Heather Reid

Sales Representative

Rob Golfi

Sales Representative

Dena Zlatar

Ashley Sidler

Sales Representative

Sales Representative

Sales Representative

Hans Marcellissen

Jaclyn Ross Office Manager

Wendy Murray-Nicholson Sales Representative

Mike McNeil

Sales Representative

Rosemarie Fournier Listing Co-ordinator

Call Today 905-575-7700

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November 1, 2011

The GOLFI TEAM Real Estate Market Watch

Page 7

Homes For Sale GRiMSBy

STOnEy CREEk

HAMiLTOn WEST

DunDAS

Bungalows/Raised Ranches Starting at $212,000 45 Available

Bungalows/Raised Ranches Starting at $160,000 50 Available

Bungalows/Raised Ranches Starting at $114,700 25 Available

Bungalows/Raised Ranches Starting at $229,900 18 Available

Two Storeys Starting at $204,900 58 Available

Two Storeys Starting at $169,900 112 Available

Two Storeys Starting at $159,900 35 Available

Two Storeys Starting at $299,900 27 Available

Semis and Town Homes Starting at $149,900 52 Available

Semis and Town Homes Starting at $139,900 70 Available

Semis and Town Homes Starting at $159,900 15 Available

Semis and Town Homes Starting at $169,900 12 Available

LinCOLn

EAST HAMiLTOn

HAMiLTOn CTR

GLAnBROOk

Bungalows/Raised Ranches Starting at $179,900 54 Available

Bungalows/Raised Ranches Starting at $87,500 67 Available

Bungalows/Raised Ranches Starting at $74,900 34 Available

Bungalows/Raised Ranches Starting at $219,500 28 Available

Two Storeys Starting at $119,900 71 Available

Two Storeys Starting at $129,900 40 Available

Two Storeys Starting at $66,900 76 Available

Two Storeys Starting at $257,900 55 Available

Semis and Town Homes Starting at $189,900 26 Available

Semis and Town Homes Starting at $99,900 43 Available

Semis and Town Homes Starting at $74,900 38 Available

Semis and Town Homes Starting at $209,900 20 Available

WEST LinCOLn

HAMiLTOn MTn

AnCASTER

Bungalows/Raised Ranches Starting at $249,900 17 Available

Bungalows/Raised Ranches Starting at $129,900 121 Available

Bungalows/Raised Ranches Starting at $344,900 33 Available

pOWER Of SALE & ESTATE SALES

Two Storeys Starting at $329,900 12 Available

Two Storeys Starting at $178,900 155 Available

Two Storeys Starting at $348,800 103 Available

Semis and Town Homes Starting at $0,00 0 Available

Semis and Town Homes Starting at $129,900 66 Available

Semis and Town Homes Starting at $234,900 26 Available

All Styles and Types Starting at $66,900 136 Available

Call Us Today for Information on Any of these Homes!

905-757-7700 • 905-945-0188 www.golfiteam.com

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The GOLFI TEAM Real Estate Market Watch

November 1, 2011

BONDSEAL CANADA The Waterproofing Specialists

Specializing in Concrete Crack Repairs: Dry, Seeping or Gushing

HOLIDAY BOOK DRIVE The best gift you can give this holiday season is the gift of literacy. Across the world and even in our own community, thousands of young children, teens, and adults are left without books to challenge their minds, to cuddle up and read to their young ones, or to simply enjoy while sipping a nice cup of warm tea or coffee this winter. The Rob Golfi Team and Absolute Simplicity - Home Staging/Interior Decorating, value literacy and the importance it has on learning. Together as a team, they will be hosting a Book Drive and are asking for your help in spreading the joy of reading. Books will be donated to the Community Access to Child Health (CATCH) Program. CATCH is a community development program which offers playgroups, a lunch program, after school programs and a women’s group.

Children and youth who use CATCH visit the book bank to browse and choose a free book, which they can take home and keep – a luxury for many children.

Children can visit as often as they like.

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

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

For more information and links visit www.absolutesimplicity.ca Luisa Giaitzis (IDDP, ISRP)

Rob Golfi, The GolfiTeam

www.absolutesimplicity.ca absolutesimplicitysd@gmail.com

www.golfiteam.com robgolfi@golfiteam.com

905-515-0341

All Methods InterExterior

John Walker

1.888.808.7595 www.bondseal.com bondsealcanada@yahoo.ca

Home evaluation No Cost or Obligation

Call Rob Golfi today!

905-575-7700 / 905-945-0188

905-575-7700

Deadline for drop off is December 22, 2011 Drop off locations: REmAx EScARPmEnT REALTY Inc., BROKERAGE: Stoney Creek News Office: 333 Arvin Avenue - 8:30am to 5am Monday to Friday.

CATCH Office: 350 Quigley Rd. The Rob Golfi Team Office: 664 Fennell Avenue East - 9am to 5pm Monday to Friday.

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.

www.golfiteam.com

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November 1, 2011

The GOLFI TEAM Real Estate Market Watch

Visit our Website!

View any of the listings in this publication at

www.GolfiTeam.com Extra pictures, More details Check it out!

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

E

ach year, from November 5 to 11, Canadians join together to celebrate Veterans’ Week - this year is no different.

During this week, hundreds of commemorative ceremonies and events will take place across the country to recognize the achievements of our Veterans and honour those who made the ultimate sacrifice.

Today, many Canadian Forces members are returning home from missions around the world. Canadians recognize the commitment made by our service men and women and their families. They, along with past generations of Veterans, have made many sacrifices in the name of peace and freedom.

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

• Attend the local Remembrance Day ceremony.

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

• Listen to Veterans talk about their experiences.

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

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

• Change your Facebook profile picture to a poppy.

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

• Download the "We Remember" mobile app.

Above all, we must vow never to forget. However you choose to remember, be sure you tell a friend, a family member or a colleague.

Together, it is our duty to pass on the legacy and keep the memories of our Canadian Veterans alive.

This Veterans' Week, how will you remember?

Your house will get noticed FiRSt when listed by the Guy who gets noticed the moSt!

Call Rob Golfi today!

Call Today 905-575-7700

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The GOLFI TEAM Real Estate Market Watch

November 1, 2011

D

uring November each year, Movember is responsible for the sprouting of moustaches on thousands of men’s faces, in Canada and around the world.

With their “Mo’s”, these men raise vital funds and awareness for men's health, specifically prostate cancer.

On Movember 1st, guys register at Movember.com with a clean-shaven face. For the rest of the month, these selfless and generous men, known as Mo Bros, groom, trim and wax their way into the annals of fine moustachery. Supported by the women in their lives, Mo Sistas, Movember Mo Bros raise funds by seeking out sponsorship for their Mo-growing efforts.

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

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

The movember Effect: Awareness & Education, Survivorship, Research The funds raised in Canada support the number one male cancer, prostate cancer.

The funds raised are directed to programs run directly by Movember and our men’s health partner, Prostate Cancer Canada. Together, the two channels work together to ensure that Movember funds are supporting a broad range of innovative, world-class programs in line with our strategic goals in the areas of awareness and education, survivorship and research.

For more information on the programs we are funding please visit the following online: Prostate Cancer Canada; Awareness & Education; Global Action Plan movember - a Global movement Since its humble beginnings in Melbourne Australia, Movember has grown to become a truly global movement inspiring more than 1.1 Million Mo Bros and Mo Sistas to participate, with formal campaigns in Australia, New Zealand, the US, Canada, the UK, Finland, the Netherlands, Spain, South Africa and Ireland. In addition, Movember is aware of Mo Bros and Mo Sistas supporting the campaign and men’s health cause across the globe, from Russia to Dubai, Hong Kong to Antarctica, Rio de Janeiro to Mumbai, and everywhere in between.

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

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

289-969-6532

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

More information can be found on: movember.com

www.golfiteam.com

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November 1, 2011

The GOLFI TEAM Real Estate Market Watch

Page 11

BUYInG A HOmE - an important lifestyle and investment decision

You want to buy at the best price possible. You want your monthly payment to be as affordable as possible. You want your home to increase in value as much as possible. To make sure all that happens, it is important to look beyond your individual purchase before you buy.

A REALTOR® can help you examine the market conditions, assist you in evaluating mortgage options and financing at the most attractive prevailing rate.

Affordability Guide How much can you afford? This depends on a number of factors. The most important are your gross household income, your down payment and the mortgage interest rate.

The first affordability rule is that your monthly housing costs shouldn't be more than 32 percent of your gross monthly income. Housing costs include monthly principal, interest, taxes and

heating expenses (p.i.t.h.). If applicable, it also includes half of monthly condominium fees. Lenders add up these housing costs to determine what percentage they are of your gross monthly income.

This figure is your GROSS DEBT SERVICE RATIO (GDSR).

The second affordability rule is that your entire monthly debt load should not be more than 40 percent of your gross household monthly income. This includes housing costs and other debts such as car loans and credit card payments. Lenders add up these debts to determine what percentage they are of your gross household monthly income. This is your TOTAL DEBT SERVICE RATIO. (TDSR) About the Down Payment A mortgage is security for a loan on the property you own. It is the difference between your purchase price and your down payment. The greater the down

payment, the less you have to borrow, and of course, the smaller your monthly mortgage payment. A few options of down payment include your savings or a nonrepayable gift. There are other options available to you and this can be discussed with your REALTOR®.

Other costs to be Aware of when you Buy This is a list of possible extra costs involved in buying a home. Some of them are one time costs and others, such as condominium maintenance fees and property insurance, will be ongoing monthly expenses. THE GOOD NEWS IS THAT NOT ALL OF THESE COSTS MAY APPLY IN YOUR CIRCUMSTANCES. • Appraisal fee - if your loan is not insured your lender may require a property appraisal for mortgage pur-

poses. A basic appraisal is somewhere between $150. & $250.

• Land Survey Fee - Your lender will require a survey unless you are purchasing a condominium.

• Land Transfer Tax - This applies in most provinces, including Ontario. It varies as a percentage of the property's purchase price. It is usually between 1% - 4%.

• Home Inspection Fee - Inspectors in Ontario are unregulated so fees can vary. They range from $150 + GST to $350 + GST. Larger homes may cost more to inspect. A two-hour inspection carried out by an engineer who provides a written report will cost closer to the upper limit.

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

• Property Insurance - This insurance covers the replacement value of the structure of your home and its contents.

• Lawyer fees - A lawyer is required to search the title, draw up mortgage documents and tend to closing details.

Lawyers fees range depending on the complexity of the deal.

• Moving Costs - The cost of a professional moving company or a rental truck if you move yourself.

• Prepaid Taxes or utility bills. -You will have to reimburse the seller on a prorated basis if some bills have been prepaid beyond the closing date.

Discuss your financing options with a REALTOR®, your banker or a financial advisor.

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 (%) 5 yr

10 yr

15 yr

20 yr

25 yr

30 yr

35 yr

Interest Rate (%) 5 yr

10 yr

15 yr

20 yr

25 yr

30 yr

35 yr

3.00

17.96

9.65

6.90

5.54

4.73

4.21

3.84

8.00

20.21

12.06

9.48

8.28

7.63

7.25

7.01

3.50

18.18

9.88

7.14

5.79

4.99

4.48

4.12

8.50

20.45

12.32

9.76

8.59

7.95

7.59

7.36

4.00

18.40

10.11

7.38

6.04

5.26

4.76

4.41

9.00

20.68

12.58

10.05

8.89

8.28

7.93

7.72

4.50

18.62

10.34

7.63

6.30

5.53

5.04

4.71

9.50

20.91

12.84

10.33

9.20

8.61

8.28

8.08

5.00

18.85

10.58

7.88

6.57

5.82

5.34

5.01

10.00

21.15

13.10

10.62

9.52

8.94

8.63

8.44

5.50

19.07

10.82

8.14

6.84

6.10

5.64

5.33

10.50

21.38

13.37

10.92

9.83

9.28

8.98

8.81

6.00

19.30

11.07

8.40

7.12

6.40

5.95

5.65

11.00

21.62

13.64

11.21

10.16

9.63

9.34

9.18

6.50

19.53

11.31

8.66

7.41

6.70

6.26

5.98

11.50

21.86

13.91

11.51

10.48

9.97

9.70

9.55

7.00

19.75

11.56

8.93

7.69

7.00

6.59

6.32

12.00

22.10

14.18

11.82

10.81

10.32

10.06

9.93

7.50

19.98

11.81

9.21

7.99

7.32

6.91

6.66

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