May 22, 2013 Issue 71

WHAT’S INSIDE: Young Entrepreneurs Dedicated to Saving Lives PAGE 6

HOMES FOR SALE Grimsby, Lincoln, West Lincoln & Niagara Listings PAGE 4

HOMES FOR SALE Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook Listings PAGE 8

May 22, 2013 - Vol 51a

Rob Golfi Sales Representative

34 Norma Crescent, Ancaster, ON See page 8 for details.

HOME EVALUATION NO COST • NO OBLIGATION

905-575-7700 • 905-945-0188

Page 2

The Golfi Team Real Estate Market Watch

May 22, 2013

WHAT’S ONLINE

About Rob Golfi

See what’s on our blog this week!

Visit www.golfiteam.com and click on the BLOG tab.

Rob and Sue Golfi

Since the inception of his career in 1997, Rob Golfi has recognized that understanding his clients’ needs is essential to providing excellent service. Married 25 year with four children, Rob understands a family’s wants and needs.

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 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 HamiltonBurlington and Niagara areas, listing with Rob and the Golfi Team is the right choice when choosing someone to represent your best interest.

Friend: o T y e n r o tt A f O Giving Power Real Estate Tale y r a n o ti u a C A

Woman L oses As Lawye $100,000 Deposit r Doesn’t See Fax

ALSO: The latest listings in Hamilton, Stoney Creek, Grimsby & Niagara area Read more on www.GolfiTeam.com

THANK YOU! Join us in thanking an officer for their service and remembering those who have fallen.

www. GolfiTeam .com

May 22, 2013

The Golfi Team Real Estate Market Watch

Page 3

WHAT OUR CLIENTS SAY...

“

When my husband and I began our search, we were excited about the prospect of buying our home. However, after putting in several failed offers on homes our frustration and feelings of defeat grew. Fortunately, our search drastically changed for the better once we had the privilege of meeting Kristina, an extremely focused and loyal agent who put our family’s needs above all.

When initially speaking with Kristina, she wanted to know the detailed specifics of what we wanted in our home. Her non-pressure approach instantly put my husband and I at ease as we knew that Kristina was looking out for our best interests. Very soon after, Kristina found us our dream home and helped us to make it a reality. Without her negotiation skills, we would have never been able to secure the deal. Kristina was always prompt when responding to our queries and kept our best interests at the fore front. I recommend Kristina to anyone looking to buy a home and will promote her services to all my family and friends. She is passionate about what she does and above all, an honest person.

Kristina Kin g

”

- Emily Zablocki

Outstanding Team. Exceptional Results.

2

Burlington Burlington

Freelton Free eel elton ton

Waterdown Waterdown Wa

Dundas Du undas

HAMILTON BURLINGTON & NIAGARA

Hamilton Hamililton

Ancaster Ancaster

Mount Mo ount Hope Ho ope e

Stoney Stoney Creek Creek eek

Grimsby Grimsby

Lincoln Lincoln

Binbrook Bin inbrookk

West WestLincoln Lincoln

Niagara Niagaaraa Niaga on onthe the St.St Lake St. Lake Catharines Cath Ca a rines atha

Thorold Thorold

Pelham Pelham

Niagara Niagara Falls Falls

Welland Welland Wainfleet Wa Wainfleet

Port Port Colborne Colborne

100%

RE/MAX TEAM WORLDWIDE

Platinum

Club

Club

1998-2013

2002-2012

Award Award Chairman’s

Hall of Fame

Club

2003-2012

IN CANADA

Fort FortErie Erie

40 Award Award

20

RE/MAX TEAM

Inducted 2003

Award Award Lifetime

Achievement

Inducted 2006

Diamond

Club

How The Golfi Team Did in 2012: ✓ Number Of Homes Sold in 2012: 313 ✓ List Price To Sold Price Ratio: 98% ✓ Average Days On Market: 39

2010-2012

Information based on recorded commissions paid between January and December 2012 from the REALTORS® Association of Hamilton-Burlington. Rankings are compiled from figures submitted by regional and local offices.

Rob Golfi

Sales Representative

Sharon Stafford

Sales Representative

Heather Reid

Sales Representative

Hans Marcellissen Sales Representative

Wendy Murray-Nicholson Sales Representative

Mike McNeil

Sales Representative

Kristina King

Sales Representative

Call Today 905-575-7700

John Hellicar

Sales Representative

Dan Golfi

Sales Representative

Lynn Page

Sales Representative

Page 4

The Golfi Team Real Estate Market Watch

Grimsby, Lincoln West Lincoln & Niagara

Rob Golfi*

GRimSBY

$339,900

May 22, 2013

BeAmSville

$312,000

NiAGARA-ON-THe-lAKe

$259,900

BeAmSville

$83,900

26 Brierwood Avenue

4084 Barry Drive

24 Robertson Road

4463 Timothy Lane

AMAZING IN EVERY RESPECT IN THIS PROPERTY– 3+1 bedroom bungalow in immaculate condition, features beautiful oak kitchen cabinets, gorgeous hardwood floors, all vinyl windows, professionally finished basement with gas fireplace & walk out to back yard, & new shingles in 2013. Close to shopping and quick access to QEW.

CLASSIC 3LVL SIDE SPLIT–sitting on large 68x128 foot lot w/detached oversized double car garage, features sun room addition, new shingles 2000, mostly vinyl window, oak kitchen cabinets, finished basement, updated bathroom, hardwood floors, & professionally landscape yard.

Updated throughout and located in a fabulous area! This property features an eat-in kitchen with pantry, hardwood, living room/dining room with gas fireplace, master with ensuite and custom walk-in closet, fully finished lower level with wet bar and office. Updates include: shingles ‘12, new A/C ’11, concrete steps and side drive ’10. Unpack and start enjoying! $982.91 per/mth P&i / O.A.C.

Carefree living in this spacious updated home featuring lrg eat in kitch, open concept living rm, master bedrm w/ensuite privilege, & 2nd bedrm currently used as a den. Updates: skylight ‘04, front bay window & 2 living rm windows in ‘11, new furnace & A/C in ‘12. Lrg deck, & shed. Easy to show.

$1,179.94 per/mth P&i / O.A.C.

$1,285.45 per/mth P&i / O.A.C.

$317.30 per/mth P&i / O.A.C.

SOLD viNelANd

$499,900

SmiTHville

$474,900

GRimSBY

$279,900

ONE R E H ANOT

GRimSBY

$399,900

3905 Cody Trail

55 Las Road

49 Cline Mountain Rd. S.

2 Vidal Court

PRESTIGIOUS BUNGALOW WILL TAKE YOU BY SURPRISE! – This custom built has all the luxury you want & more! Hardwd flrs, custom kitch cabinetry w/stone counters, breakfast bar, crown moulding, master bedrm w/rich hotel style ensuite, & covered patio. Still time for you to choose your colours!

PRESTIGIOUS BUNGALOW WILL TAKE YOU BY SURPRISE! – This custom built has all the luxury you want & more! Hardwd flrs, custom kitch cabinetry w/stone counters, breakfast bar, crown moulding, master bedrm w/rich hotel style ensuite, & covered patio. Still time for you to choose your colours!

Terrrific family home w/4 bedrms, lg livingrm and sep.diningrm, nicely finished rec rm, hdwd floors under carpet. Some updates include: most windows, 2pc bath and main bath w/whirlpool tub. Beautiful backyard w/14' x 39' inground pool, lg covered deck that can be enclosed.

MAGNIFICENT HOME ON QUIET COURT w/wrap around veranda, cathedral ceilng & gas FP in great room, separate DR, exquisite Kit w/top-of-the-line appliances, Mbed w/ens & W/I closet, ceramic flrs, mn flr laundry w/washer & dryer, C/Air, lrg fenced yard w/escarp. view.

$1058.54 per/mth P&i / O.A.C.

$1512.37 per/mth P&i / O.A.C.

$1,890.55 per/mth P&i / O.A.C.

GRimSBY

$209,900

$1,796 per/mth P&i / O.A.C.

BeAmSville

$989,900

viNelANd

$229,900

ST. CATHARiNeS

$264,900

91 Livingston Ave., Unit #1

4895 Lister Road

3956 Durban Lane

55 Longfellow Avenue

Freshly painted end unit in the heart of Grimsby features three bedrooms, large, bright living room with gas fireplace, large dining room and kitchen. Well cared for complex.

Beautiful grounds. Short walk to all conveniences.

WATERFRONT ON 1 ACRE: This 3450 sqft. custom built raised ranch features a self-contained in-law with separate entrance, all brick construction, large 22x22 patio deck, finished basement with walk out & extra bedrms and baths, and workshop. Shore protection in place.

Adult Lifestyle custom built home backing onto greenspace.

Open concept, hardwd & fireplace in living room. Walk-out to multi-level deck, custom, extra deep garage with backyard access. Home is on leased land

Great Location! Features updated kitchen with backsplash, ceramic floors & walk-out to multi-level deck & children’s play center. Main floor complete w/5 pc bath, powder room and 9ft. ceilings. Basement has ample storage, rec room with option for additional bedroom and rough-in for bath.

$793.81 per/mth P&i / O.A.C.

$3743.66 per/mth P&i / O.A.C.

$869.45 per/mth P&i / O.A.C.

$1001.81 per/mth P&i / O.A.C.

ONE R E OTH N A D SOL viNelANd

$264,900

GRimSBY

$289,900

GRimSBY

$219,900

BeAmSville

$235,000

3506 Rittenhouse Rd

16 Glenwood Street

24 Kenyon Crescent Unit#38

4993 King Street

Updated 3+1 bed bungalow with large living room, eat-in kitchen with 3 new appl. New roof 2012, newer furnace, CA, windows, exterior doors & maintenane-free facia, soffits & eaves. Basement re-done with large rec room & additionall bedroom.

Spacious 3 Level Backsplit in the heart of Grimsby!

Features original hardwood floors on bedroom level, updated eat in kitchen, most windows have been replaced, roof approx. ‘06, newer fencing, entry doors and more.

Large rear yard with plenty of privacy.

ORIGINAL OWNER - Two BR bungalow condominium in superb condition in quiet neighbourhood features kitch w/patio doors leading to cozy backyard patio, lrg oversized living rm w/berber carpets, main floor ldry & prof. finished basement w/rec room & 3pc bathrm. Quick access to QEW.

Prime location in downtown core. Storefront w/lrg window, front & back entrances can suit 1 or 2 businesses. Parking spaces in rear & municipal parking. New furnace & 2pc bath.

600 sq.ft. of business space w/GC zoning, + 800 sq.ft. 2 BR apartment on upper lvl. Tenant pays hydro. All sizes approx.

$1001.81 per/mth P&i / O.A.C.

$1096.36 per/mth P&i / O.A.C.

$831.63 per/mth P&i / O.A.C.

$888.74 per/mth P&i / O.A.C.

SOLD GRimSBY

ONE R E H ANOT $379,900

SOLD viNelANd

$248,900

BeAmSville

ONE R E H ANOT $449,900

SmiTHville

$474,900

15 Tamarak Crt

3927 Durban Lane

4024 Bush Crescent

6 Patricia Court

IMMACULATE, OUTSTANDING HOME WITH ESCARPMENT VIEWS! Features 2000 sqft. of beauty, spacious kitchen w/patio doors leading to landscaped & private fenced yard, family rm w/hardwd flrs, large sun filled master suite w/walk-in closet and ensuite bath.

This beautiful home is in the gated community of Cherry Hill Estates. Open concept bungalow features hardwood &ceramics on main floor, oak staircase, California shutters, garden doors to large deck & a sunny main floor den.

Outstanding and immaculate! This Hillside Estate home shows beautifully. Featuring maple kitchen with breakfast island and butler’s pantry to dining room. 9 ft ceilings, 8 ft wide sliding doors to fenced and landscaped yard with large 12 x 34 ft deck.

ENTERTAINERS DREAM HOME! Designer kitchen with built-in appliances, granite, walk-in pantry, 5x5' island, built- in china cabinet, master walk-out to encl. hot tub, and 2 tiered deck to 21x42' heated salt water pool. Home is completely finished.

$1436.73 per/mth P&i / O.A.C.

$941.31 per/mth P&i / O.A.C.

$1701.46 per/mth P&i / O.A.C.

$1796.01 per/mth P&i / O.A.C.

www.golfiteam.com

May 22, 2013

The Golfi Team Real Estate Market Watch

Grimsby, Lincoln West Lincoln & Niagara

Rob Golfi*

SOLD

Page 5

ONE R E H ANOT

ST CATHARiNeS

SOLD

$217,900

WeST liNCOlN

$374,900

GRimSBY

$399,900

ONE R E H ANOT

GRimSBY

$334,900

9B David Street

8530 Silver Street

77 Plum Tree Lane

40 Viking Drive

Bi-level semi-detached home only 6 yrs new with open concept kitchen, spacious living/dining room with 5 bedrooms with large windows, 2 large bedrooms on the main floor and bathroom with soaker tub & separate shower, a fully-finished basement with rec-rm.

CHARACTER HOME Circa 1865 – Sitting on 1.22 Acres, 4 bedrm, 2 bathrms, over $200,000 in updates, beautiful pine plank flrs, large country size kitchen, updated vinyl windows, newer furnace & C/air, inground pool, 20x32 ft hobby barn + dble car garage 15 min drive to Hamilton.

FABULOUS FIND! All brick, 3 bedrm home, features 9 ft ceilings & upper flr family rm w/gas fireplace, gorgeous hardwd flrs, large family-size maple kitchen w/breakfast bar, fenced yard with patterned concrete patio, master bedrm with walk-in closet and ensuite, fin. basement with large rec-rm.

LAKESIDE COMMUNITY – 4 Level side split w/open & inviting floor plan, features large eat-in kitchen, cozy family room w/gas fireplace, updated shingles 2010, furnace 2012, updated vinyl windows, updated carpet, ceramics & porcelain tiles, rough-in central vacuum.

$824.07 per/mth P&i / O.A.C.

$1436.73 per/mth P&i / O.A.C.

$1512.37 per/mth P&i / O.A.C.

$1266.55 per/mth P&i / O.A.C.

SOLD

ONE R E H ANOT

SOLD

NiAGARA-ON-THe-lAKe $259,900

BeAmSville

$413,900

104 Young Crescent

4359 Tamarac Avenue

Beautifully decorated 3 bdrm, townhouse in desirable Niagara on the Green. Main floor offers HW floors, large living room with gas fireplace, open concept kitchen, dining room. Large 2 tiered deck off patio doors. Centrally located w/QEW access, close to Niagara Falls & Niagara College. $982.91 per/mth P&i / O.A.C.

ST. CATHARiNeS

$409,900

BeAmSville

ONE R E H ANOT

viNelANd

$779,900

$279,900

5109 Leonard Crescent

3925 Durban Lane

QUIET COURT LOCATION – This 4 bedrm 2 storey home has everything you’re looking for, open concept, gorgeous hardwood floors in living/ dining room & family room, gas fireplace, 3 tier patio deck in landscaped back yard, new shingles in 2011, updated vinyl windows, & oversized lot.

9.2 acres on Escarpment bench, surrounded by trees is minutes from town. Secluded 1900 sq.ft. bungalow features stained oak hrdwd flrs, large liv. rm with showcase fireplace. Flr to ceiling sliding doors lead to backyard oasis overlooking Lake Ontario. C/A, vinyl windows & shingles in the last 10 yrs, & oversized 23x23 ft. double garage.

Stunning home was originally the model home in the gated community of Cherry Hill Estates. Many upgrades. Open concept living room, kitchen and dining room with vaulted ceiling. Hardwood and ceramics on the main level, basement is partially finished with additional bedroom

$1565.31 per/mth P&i / O.A.C.

$2949.47 per/mth P&i / O.A.C.

$1058.54 per/mth P&i / O.A.C.

GRimSBY

$799,900

GRimSBY

$649,900

BeAmSville

$599,000

8 Westport Avenue

2 Shoreline Crescent

643 Ridge Road West

4130 St. George’s Drive

Prestigious area, walking distance to Port Dalhousie. Impressive open concept layout. Main level has hardwood flooring, living room with a wood burning fireplace, large family room surrounds eat-in kitchen w/plenty of countertops, cabinets, pot drawers & pantry storage. 2 patio doors lead to deck and private backyard.

LAVISH TOP TO BOTTOM - Elegant home on Lakeside Crescent. The new owner will reap the benefits of this over improved custom reno’d home w/waterfront views. Features entrance w/marble floors, designer kitchen w/oak cabinets, granite counters, stone backsplash, cherry hardwood floors.

Country living at its best! 1.3 acres and features beautifulhardwd flrs, oak staircase, professionally finished basement,master bedrm with large ensuite, double garage with directaccess to basement, updated vinyl windows, furnace 2010,shingles 2006, 9000 gal cistern under garage.

New Hampton Model home! 3000 sq.ft. of pure luxury, loaded w/upgrades. Open concept w/hardwood, ceramic & porcelain flrs. Kitchen w/granite counters, glass backsplash & island. DR boasts coffered ceilings & wainscoting.

Master bdrm w/double walk in closets & spa bathroom.

$1550.18 per/mth P&i / O.A.C.

$3025.11 per/mth P&i / O.A.C.

$2457.83 per/mth P&i / O.A.C.

$2265.33 per/mth P&i / O.A.C.

FREE HOME EVALUATION NO COST OR OBLIGATION

905-945-0188

Rob Golfi Sales Representative

905-575-7700 Seniors Real Estate Specialist is a designation for REALTORS® to address the needs of home buyers and sellers, age 50-plus.

If you are buying or selling a home, contact Rob Golfi today.

Call Today 905-945-0188

Page 6

The Golfi Team Real Estate Market Watch

May 22, 2013

Municipal Year-to-Date Statistics April 2012 vs April 2013 P R E S E N T E D

B Y

T H E

G O L F I

T E A M

YTD Comparison March. 2013 / 2012

AREA

Based on sales data on all home sales from April 2012 vs April 2013, REALTORS Association of Hamilton-Burlington

Listed YTD

Expired YTD

Sold YTD

Average Selling Price

Average Days on Market

Selling % of List Price

ANCASTER (DISTRICT 42)

2013 2012

332 282

48 45

183 172

$458,113 $455,709

59 50

98% 98%

BURLINGTON (DIST. 30 to 36 & 38)

2013 2012

1482 1494

126 81

976 1137

$476,851 $450,297

33 30

98% 99%

DUNDAS (DISTRICT 41)

2013 2012

140 152

8 20

110 136

$376,869 $356,280

52 59

98% 97%

GLANBROOK (DISTRICT 53)

2013 2012

220 196

27 28

140 111

$327,822 $326,636

68 53

98% 98%

GRIMSBY (DISTRICT 54,55)

2013 2012

199 195

26 32

120 148

$360,999 $328,866

57 54

97% 97%

HAMILTON EAST (DIST. 23,24,27,28,29)

2013 2012

358 377

38 49

272 292

$199,564 $195,759

41 48

97% 97%

HAMILTON MTN (DIST. 15,16,17,18,25,26)

2013 2012

776 800

78 102

567 608

$277,162 $263,689

40 44

98% 98%

HAMILTON CTRL (DIST. 13,14,20,21,22)

2013 2012

540 512

87 122

402 361

$171,753 $158,622

48 50

97% 97%

BEAMSVILLE (DISTRICT 981)

2013 2012

92 77

7 16

57 51

$288,563 $277,776

40 49

98% 98%

WEST LINCOLN (DISTRICT 56, 982)

2013 2012

40 40

7 4

18 21

$397,750 $335,124

74 69

97% 98%

SMITHVILLE (DISTRICT 57)

2013 2012

33 39

3 10

17 26

$229,235 $271,188

60 73

97% 97%

STONEY CREEK (DISTRICT 50,51,52)

2013 2012

470 466

60 67

280 354

$328,245 $313,935

42 50

98% 98%

Spring Arrives for the Resale Market (May 6, 2013 – Hamilton, Ontario) The REALTORS® Association of HamiltonBurlington (RAHB) reported sales, listings and the average sale price for all property types listed through the RAHB Multiple Listing Service® (MLS®) in April showed increases over the same month last year.

There were 2,202 properties listed in April, a 6.5 per cent increase over April of last year. All property sales numbered 1,521, representing a 5.5 per cent increase over the same month last year. The average sale price of $382,682 was an increase of 1.8 per cent from the previous April.

“Spring has arrived for the resale real estate market,” said RAHB CEO Ross Godsoe. “We started seeing more listings and sales come through the MLS® system first thing in April. All property sales are not only higher than last year, but are the second highest in an April for the last 20 years.”

Seasonally adjusted* sales of residential properties were 4.5 per cent lower than the same month last year, with the average sale price up 2.4 per cent for the month.

Seasonally adjusted numbers of new listings were 2.2 per cent lower than the same month last year.

Actual overall residential sales were 5.1 per cent higher than the previous year at the same time. Residential freehold sales were five per cent higher than last year while the condominium market saw an increase in sales of 5.6 per cent. The average sale price

of freehold properties showed an increase of 1.9 per cent over the same month last year; the condominium market, however, saw a decrease of 8.6 per cent when compared to the same period last year.

The average sale price is based on the total dollar volume of all residential properties sold. Average sale price information can be useful in establishing long term trends, but should not be used as an indicator that specific properties have increased or decreased in value.

The average days on market increased from 38 days to 40 days in the freehold market and from 41 days to 42 for condominiums.

“Listings are up from last year, but there are still fewer listings on the market than there were a year ago,” noted Godsoe, “and the number of listings is still below the average for the last ten years. The seller’s market which has existed in our market area continues, even though we saw some signs of a more balanced market at the end of the first quarter.”

Year to date, listings are down 2.9 per cent compared to the same period last year, while sales are seven per cent lower. The average sale price for the first four months of the year is 5.7 per cent higher than the same period last year.

mAXimUm eXPOSURe Sells Your Home

www.GolfiTeam.com | 905-575-7700 www.golfiteam.com

May 22, 2013

The Golfi Team Real Estate Market Watch

Page 7

Young Entrepreneurs Dedicated to Saving Lives the goal of spreading awareness for the benefits of ASA and ensuring that it is available in the event of a heart attack.

Brothers Andrew Beaulieu (L), Brett Beaulieu (R) founded Key to Life after losing their father to a heart attack.

After just 7 months, Andrew and Brett are thrilled to report that over 35,000 units have been sold across Canada. St. John Ambulance Ontario endorses the product and it has been featured on CTV National News, CHCH Morning Live, in the Toronto Star, Zoomer Magazine, Best Health, 680 News, and was the Editor’s Pick in the February issue of Canadian Living. The Grimsby Lincoln News, Welland Tribune and St. Catharines Standard have also featured Key to Life in their publications.

Response from the community has been incredible, with customers reaching out to share their experiences and well wishes for the cause. Two people have contacted Andrew and Brett to share that they have used the ASA in their Key to Life and fortunately, survived their heart attacks.

Key to Life was featured in the October 10, 2012 edition of the Real Estate Market Watch just 10 days after the two Beamsville brothers, Andrew (25) and Brett Beaulieu (19) launched their potentially lifesaving product.

For those who are not familiar, Key to Life is a keychain pill holder specifically designed to carry ASA (acetylsalicylic acid, commonly known as ASA) for use in the event of a heart attack. Chewing one 325 mg tablet or two 81 mg tablets of ASA when first experiencing the symptoms of a heart attack has been shown to significantly improve survival rates.

Inspired by two events that impacted them personally – the first in 2005 when Andrew and Brett’s father, Dale Beaulieu passed away due to a heart attack and the second in 2011, when a close family friend experienced a heart attack, which he fortunately survived due to the quick administration of ASA—the brothers created Key to Life with

Key to Life is available online and locally for just $2.99 + tax in Avondale Food Stores and a number of select retailers in the area – please check keytolifegroup.com for locations. A portion of proceeds are proudly donated to heart research in Canada. The Key to Life product and packaging can also be customized with your company’s logo and information, serving as a great promotional item for your business.

Visit www.keytolifegroup.com to learn more and “like” Key to life on facebook at facebook.com/keytolifegroup.com to help spread awareness about the importance of carrying emergency aSa.

www.keytolifegroup.com

FREE HOME EVALUATION

Your home could be worth more than you think!

Call the GOLFI TEAM 905-575-7700 FREE HOME EVALUATION NO COST OR OBLIGATION

905-575-7700 Crossword Solution

Call Today 905-575-7700

Page 8

The Golfi Team Real Estate Market Watch

Rob Golfi*

ANCASTeR

May 22, 2013

Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook

$539,900

STONeY CReeK

$479,900

STONeY CReeK

$359,900

BiNBROOK

$384,900

34 Norma Crescent

145 Edgewater Drive Unit #7

28 Sandy Drive

92 Windwood Drive

Fabulous 2 storey in fantastic location, features gorgeous hardwd in family rm w/wood FP & wet bar, main flr den, upgraded trim on main lvl, new carpeting & under-pad, freshly painted, patterned concrete drive & patio, new shingles ‘09, unspoiled basement w/good ceiling height & access to garage.

NEWPORT YACHT CLUB – Incredible view backing onto Harbour, features beautiful hardwd flrs, dream kitchen w/granite counters tops, professionally finished basement w/walk out, master bedrm with luxury ensuite & large walk in closet, new furnace (08), private boat slip available directly behind.

BIG HOUSE, SMALL PRICE, fantastic value in this 4 bedrm all brick executive home, features gorgeous hardwd flrs, updated kitchen with glass backsplash, new shingles (07), new furnace (12), vinyl windows, finished basement, sunny sunrm addition, & concrete drive. Close to parks, schools & QEW.

Amazing space in this fabulous 2100 sq.ft. home, features open main floor plan, formal dining rm, showcase gas fireplace in family rm, family size kitch w/patio doors leading to party size deck & fenced in yard, master bedrm w/walk in closet & ensuite w/relaxing roman tub, & finished basement.

$2,041.83 per/mth P&i / O.A.C.

$1,814.91 per/mth P&i / O.A.C.

$1,361.09 per/mth P&i / O.A.C.

$1,455.64 per/mth P&i / O.A.C.

ONE R E OTH N A D SOL BURliNGTON

$949,000

BURliNGTON

$989,000

HAmilTON eAST

$199,900

HAmilTON mTN

$265,900

470 Patricia Drive

476 Patricia Drive

2 Melvin Avenue

149 Wise Court

Custom new build approx. 3000 sq.ft. Features 9ft. ceilings on main floor, coffered ceilings, crown molding, hardwood staircase & flooring, designer bathrooms & kitch, 4 large bedrooms all w/ensuite baths & walk-in closets.

Custom new build approx. 3120 sq.ft. Features 9ft. ceilings on main floor, coffered ceilings, crown molding, hardwood staircase & flooring, designer bathrooms & kitch, 4 large bedrooms all w/ensuite baths & walk-in closets.

$3,588.99 per/mth P&i / O.A.C.

$3,740.26 per/mth P&i / O.A.C.

GARAGE MADNESS! This property features an oversized brick garage with hydro. Furnace and C/A are rental. Nice lot close to shopping and major bus line, minutes to Redhill and new Center Mall. Updated windows, wiring and plumbing.

Well-built 3 bedroom, 1.5 bath home on a quiet court, offers hardwood floors, large living/dining room combination; eat in kitchen, new rec room with pot lighting, updated windows, fencing, insulation, large backyard, new decking, detached single garage w/parking for 4 plus cars and more.

$755.99 per/mth P&i / O.A.C.

$1005.60 per/mth P&i / O.A.C.

WATeRdOWN

$384,900

STONeY CReeK

$499,900

STONeY CReeK

$299,900

HAmilTON mTN

$259,900

6 Sunnycroft Court

55 Chiara Drive

44 Olive Crescent

421 Concession Street

Modern executive home features open concept layout, kitchen with granite counters & breakfast bar, great room w/gas fireplace & hardwood floors. Fully finished basement w/oversized windows, a rec room, wet bar & 3pc bath.

Elevated deck, retractable awning, fully fenced yard & shed.

SPECTACULAR 4+1 BEDRM - Shows like a dream, features oak kitch w/granite counters & back splash, hardwd flrs w/oak staircase, master bedrm w/2 walk in closets & spa style ensuite, professionally finished basement, & landscaped yard w/35x18 ft. 2 tier deck.

Flowing 4 level layout nestled quaintly on a crescent South of King in the Escarpment locale. 3 bedroom upstairs, 1 on 2nd level with separate 3pc bath. Furnace 2013.

Desirable location near Juravinski Hospital. 2 Parking spaces. Basement apartment. Possible 2nd one bedrm apartment on 2nd floor. Current use of main floor is retail space. Good income generator or owner occupied business space. For sale building only. Buyer to verify use.

$1,455.64 per/mth P&i / O.A.C.

$1890.55 per/mth P&i / O.A.C.

$1,134.18 per/mth P&i / O.A.C.

$982.91 per/mth P&i / O.A.C.

SOLD HAmilTON eAST

$350,000

867 Beach Blvd.

WATERFRONT LOT 42.50X149.00 ft.! Build your dream home in trendy Beach Blvd backing onto the Waterfront Trail, fully serviced vacant lot with sewers, water & gas to lot line.

HAmilTON eAST $799,900 865 Beach Blvd.

Gorgeous property backing onto the beach & Lake Ontario!

Incredible views! Renovate or build your dream home here!

Or sever the lot and build 2 new homes.

$1323.65 per/mth P&i / O.A.C.

STONeY CReeK

$517,900

$3025.11 per/mth P&i / O.A.C.

HAmilTON eAST

$169,900

ONE R E H ANOT

STONeY CReeK

$174,900

GlANBROOK

$354,900

108-150 Gateshead Crescent

1635 Glancaster Rd.

CHARMING END UNIT – In Gateshead townhouse community! Immaculate home features updated kitchen with granite counters, prof. finished basement with 2 pc bath, enclosed patio, freshly painted, many updates done recently from condo corp, plenty of visitor parking.

Renovated country bungalow on 75x576 ft. lot minutes to the city, custom maple kitchen with granite, Brazilian flooring, 20x20” tiles, new windows, shingles (’06). If you love the country & want to feel like you are living in a new home than this place is for you.

$661.45 per/mth P&i / O.A.C.

$1,342.18 per/mth P&i / O.A.C.

HAmilTON mTN

$159,900

HAmilTON CTR

$289,900

177 Silverlace Circle

117 Fairfield Avenue

36 Poplar Avenue

673 King St. East

BEAUTY, WARMTH & VALUE – All brick, w/top quality finishes, maple kitchen cabinets w/granite counters & breakfast bar, hardwd flrs, fin. basement great for in-law, master bedrm suite w/additional rm - great for dressing rm, den, TV rm or nursery, & grand foyer w/spiral maple staircase.

BUNGALOW WITH FAMILY ROOM ADDITION. Two good sized bedrooms w/a large family room, lots of parking, updated windows, shingles, furnace, C/A, kitchen & wiring.

Needs TLC in decorating & cleaning. Great Value. Close to highway access & shopping.

LOCATION, LOCATION! Walk to Juravinski, steps to mountain brow and shopping. Loads of character and perfect for a young couple! This property features beamed ceilings, private back yard, front and back porch, updated 100 amp panel, and kitchen. Great rental location!

LOCATION LOCATION! This incredibly maintained 2200 sq.ft. corner property with commercial frontage and 2 add’tl apts features fantastic income, close to Cathedral high school, new roof 4yrs new, 14 ft ceilings, hardwd flrs, full basement with newer wiring & parking space in the back.

$2068.58 per/mth P&i / O.A.C.

$678.61 per/mth P&i / O.A.C.

$638.67 per/mth P&i / O.A.C.

$1157.91 per/mth P&i / O.A.C.

www.golfiteam.com

May 22, 2013

The Golfi Team Real Estate Market Watch

Page 9

Real Estate Partnerships Require Careful Planning of the partners.

Who signs the cheques?

Signing authority and how distributions are made to the partners is also a concern. I suggest that cheques up $1,000 or $2,000 can have one signature, but anything more needs at least two. There should be a separate account devoted to the investment, so there is no confusion about personal cheques being used to pay bills.

When is reporting to be done?

The partner who is managing the property should be required to submit monthly reports to the partners about the rents received and the expenses paid each month. There should be an annual report as well. This way each partner can make the appropriate income and expense reporting to the Canada Revenue Agency when filing separate tax returns.

How are disputes settled?

If things go to court, only lawyers win. Agree on a detailed and expedited arbitration process. That way the arbitrator’s decision is final, with no right to go to court, where it will inevitably get delayed and become expensive.

What if one partner dies?

There should be a process where the property is appraised and the partner who survives has to buy out the estate of the deceased partner at fair market value.

Critical Illness Insurance for Living Not Dying!!!!

by Gianni Leonetti, Leonetti Consulting The generalization about life insurance is that it’s only good at death. And then it’s too late to enjoy the game. Not so with critical illness insurance. People are living longer, and medical technology now provides the potential for someone who would have died only 30 years ago from a critical illness such as a heart attack or stroke, to survive.

According to the Heart and Stroke Foundation, in Canada more than 75,000 people have a heart attack each year, but well over 80% survive the attack. The same applies to 70% of the 50,000 who have strokes. The Canadian Cancer Society states that the death rate from cancer has fallen to only 1 in every 3,000 cases. Many survivors return to work, but not necessarily the same job and sometimes earning less money.

Critical Illness Insurance is the financial safety net should you suffer from a critical illness. Critical illness coverage provides benefits that are paid upon the diagnosis of a critical illness such as cancer, heart attack, stroke, Alzheimer’s disease and others. In other words, critical illness coverage provides a living benefit that pays-directly to the policyholder-when they have a critical illness. For example, if someone with $100,000 of critical illness coverage were suddenly stricken with malignant cancer, he or she would receive a $100,000 payment.

The attractiveness of this product is

no surprise when one considers what it offers the potential buyer. A lump sum of non-taxable cash, while the insured is living, upon the diagnosis of a covered condition, thus alleviating the additional stress which financial pressure would bring. Particularly since the critical illness survivor would then be able to afford the medical treatment and other expenses not covered by his or her private or provincial medical plans. They could then afford to continue to pay the mortgage or other bills in the event they were without income for any length of time. CI coverage effectively addresses these and many other financial issues.

While fairly new to Canada, critical illness insurance is one of the most widely sold insurance products. Since its introduction in Canada in 1994, CI coverage has rapidly grown to a $200 million dollar market. This is evidence of the consumer need for critical illness insurance and the need for financial security in life as well as death. As Dr. Barnard says, “Critical Illness insurance gives you financial independence when you need it most. You need insurance not only because you are going to die but because you are going to live.” This is a product designed to give you CHOICES...

If you invest in real estate with partners, there are important things you need to discuss in advance.

What if one partner wants to sell and the other partners do not?

There should be a similar process where the partners who do not wish to sell have to buy out the partner who wants to sell at fair market value, to be determined by an appraisal.

What if one partner doesn’t pay their share of expenses?

If one partner is not paying their share, then they should lose their right to make any decisions about the property. There should also be a formula so that the non-defaulting partners can buy out the share at a reduced value.

GOLFI

If you invest in real estate with partners, there are important things you need to discuss in advance.

This will protect you later from costly legal or accounting fees.

Here are some of the main things to consider: Who is going on title?

If it is your first investment, I suggest that all partners be on title to the property, in their personal names, as opposed to a corporation. A lender will want all the partners to sign personally for the mortgage, so there is little advantage to spending the extra money to incorporate, with additional bookkeeping fees and tax returns.

You can always get insurance to protect against claims related to liability.

How are decisions going to be made?

Key decisions include who to accept as a tenant and which renovations to undertake. Most of them should have majority approval, but in some cases, you may require decisions to be unanimous, to protect all

It is hoped that every real estate investment will lead to a profitable result and that no one will have the need to look at a partnership agreement. However, if things do not work out, it is good to know that the answer can be quickly found, without having to resort to costly legal or accounting procedures. By having the right legal and accounting advice before entering into a real estate investment with partners, you can ensure peace of mind for all partners involved.

Mark Weisleder is a Toronto real estate lawyer. Contact him at mark@markweisleder.com

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Page 10

The Golfi Team Real Estate Market Watch

May 22, 2013

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May 22, 2013

The Golfi Team Real Estate Market Watch

Page 11

Giving Power Of Attorney To Friend: A Cautionary Real Estate Tale If you suspect someone who is elderly, or otherwise unable to take care of themselves, is being taken advantage of in their financial affairs, you should encourage them to get legal advice.

Here’s an example of what can happen.

In 2006, Gary Shular inherited his mother’s home on Jacobs Ave., in St. Catharines. Shular had a history of mental illness and suffered bouts of depression and lived in the house for two years with his partner. After they split up, Shular moved to an apartment on Parliament St. in Toronto and the St. Catharines property was neglected.

In Toronto, he renewed his acquaintance with an old friend, Michelle Ferraton, whom he’d known for years. She suggested that she and her common law spouse could help him fix the St. Catharines property and sell it. In exchange, she wanted half the sale price. Shular agreed and signed a sales agreement prepared by Ferraton to give her half the money.

A court later heard that Ferraton put $2,115 into the property and then convinced Shular to give her a power of attorney so that she could list and sell it. In 2008, she signed an agreement to sell it for $156,000. Shular still had to sign the closing papers.

After deducting fees and expenses, Shular received $140,000. Ferraton expected to get $70,000.

Shular had a change of heart and refused to pay the $70,000, but did give Ferraton $2,115, plus $20,000 for helping him out.

Ferraton sued for the remainder.

At trial in November 2012, Shular’s ex-partner testified that Shular had a history of mental illness. He also told the court Shular was vulnerable to exploitation. Shular confirmed to the court that he was very depressed in the summer of 2008.

Ferraton confirmed in court she knew Shular’s vulnerabilities which was why she had helped him with financial matters when he couldn’t earn a living or take care of himself.

By the time of the trial, Shular was on welfare, and he told court all the money from the property sale was gone.

In a decision of the Ontario Superior Court of Justice dated November 26, 2012, Judge J. Wilson decided that the contract was unconscionable and unenforceable. He said an agreement giving Ferraton 50 per cent of the sale was unfair and since she was not a real estate agent, she could not be paid for services related to selling the house. Since Shular had insisted at the trial that Ferraton be

CROSSWORD PUzzLE (Solution on Page 7)

You should beware of the 'power' you're giving in power of attorney. paid for her help, he upheld the total payment of $22,115.

Here is what the judge said: “Ms. Ferraton was well aware of Mr. Shular’s emotional frailties and history, and took advantage of his passivity and listless attitude towards the property during a period of deep depression. What appears to have begun as an act of friendship, matured into a plan to profit from the situation and to take advantage of Mr. Shular’s

emotional state and apathy.”

Do not give out a power of attorney or sign any other legal document over any of your property without first obtaining legal or other professional advice. There may not be enough time to get to court to fix it later.

Mark Weisleder is a Toronto real estate lawyer. Contact him at mark@markweisleder.com

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