The Real Estate Book Hamilton 24.13

BUNGALOW

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TURNKEY HOME 4 bdrms, 2.5 baths, 4 level backsplit. Approx. 1528 sq ft of living space. Numerous upgrades: kitchen, SS appliances, flooring, bathroom, light fixtures, side & front doors, furnace, roof, A/C, windows.

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GRIMSBY

CLOSE TO EVERYTHING

Spacious 2 bed, 1 bath condo in the heart of Grimsby. Master bedrm w/ ensuite privilege. Insuite laundry, A/C, underground parking, roomy balcony & more. Beautifully updated.

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As we welcome in 2023, we hope you’ve all had a peaceful and relaxing holiday with family and friends, and we look forward to all of the potential that the New Year holds! The real estate market has taken us on a roller coaster ride the past few years, so one important thing to remember in real estate is that there will always be fluctuations in the markets. Thankfully, the markets seem to be stabilizing into pre-pandemic patterns, and most home prices have risen and fallen at relatively the same pace. This means that even though your home may not be valued as highly now as it would have been a year ago, neither is the home you were looking to purchase. While it’s impossible to know with certainty what the year ahead holds, one thing you can count on is that we’re here to help!

“Look at market fluctuations as your friend rather than your enemy; profit from folly rather than participate in it.” — Warren Buffet

Reach out to discuss how our experience can be your asset in this unpredictable market

INSIDE & OUT!

30 FT TERRACE BALCONY

SWEEPING VIEWS

7

2 STOREY LOFT PENTHOUSE!

FANTASTIC CONDO IN THE STINSON SCHOOL LOFTS 1894 sq ft, 2 beds - each with ensuites. Cool architectural design, exposed brick, soaring ceilings, hand hewn rustic beams, hardwood, skylights & a great layout for entertaining!

Margherita Abitino Client Care Coordinator

GORGEOUS, 1,790 sq ft Kirkendall home on rare 50' x 124' lot with Trillium Award landscaping. Lightfilled open design, maple hardwood, fireplace, gourmet kitchen with S/S appliances & granite island, 3 beds + cozy den & main floor office. Spa bath with walk-in shower, soaker tub, & solar light. Updated inside & out! Steps to Locke St & close to MAC & 403. 352 Herkimer Street, Hamilton. $1,098,000 TEXT RBJKQCG

PH 18-200 Stinson Street, Hamilton. $749,000 TEXT RBJJDSN

IMPRESSIVE COMMERCIAL SPACE

2000 sq. ft. in the heart of the James St. North community! Floor to ceiling windows, 10' ceilings, 2 underground parking, +++ 201-181 James Street North, Hamilton. $1,075,000 TEXT RBJFSNL

EXQUISITE GRIMSBY PROPERTY

Spectacular 4 bedroom, 5 bathroom home in a family friendly neighbourhood with luxurious finishings throughout. Over 4500 sq ft, huge open concept chef's kitchen, family room with gas fireplace, stunning dining & living area with 10 ft ceilings, plus a private office space. Expansive primary bedroom suite with double French doors, walk-in closet, 5 pce bathroom with soaker tub. 3 additional bedrooms & 2 full bathrooms. Lower level has rec room with custom bar, pool table & entertainment area. Incredible backyard oasis features a custom deck and built-in pool. Close to schools, amenities & the QEW. This truly is the dream home!

PRIME LAWRENCE PARK LOCATION Elegant 6 bedroom, 3.5 bathroom, 2.5 storey with 2 car garage on a mature 105 x 150 foot irregular shaped lot in Toronto's highly sought after Lawrence Park neighbourhood. Features include original trim/mouldings/millwork, hardwood flooring, wood burning fireplace, 2nd level family room & more. An absolute gem in a prime location. $3,699,900

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ELEGANT 2 STOREY HOME IN ANCASTER Luxurious 3925 sq ft, 4+1 bed, 3.5 bath home on a premium wooded lot on one of Ancaster's premier streets w/ full basement walk-out & in-law suite in lower level. Formal dining room, kitchen w/ breakfast bar, great room w/ exquisite stone fireplace. Enjoy breathtaking views. Award winning home w/ pride of ownership! $2,199,900

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Beautifully updated 3+1 bedroom, 2.5 bathroom 4 level backsplit in Rolston neighbourhood. Updates include kitchen, flooring, furnace, roof, & more. Single car garage w/ inside entry. Charming rear yard w/ interlock patio. $879,900

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LUXURY LIVING IN HAMILTON'S ICONIC RESIDENCES OF ROYAL

CONNAUGHT Historic hotel conversion offering restored original architecture and many modern amenities. 1059 sq ft, 2 bed, 2 bath unit loaded w/ features including 2 car underground parking, use of terrace, and much more. $729,900

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Bright, wellmaintained 2 bed, 1 bath bungalow featuring open-concept floor plan, pot lighting, hardwood flooring, updated kitchen, spacious primary bedrm, fully fenced rear yard, and much more. Fantastic location close to highways, walk to Centre Mall. $2,500 / MONTH

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A SIX-STEP, BACK TO BASICS FINANCIAL PLAN

FOR ALMOST EVERY CANADIAN

It’s a tough time to know what the right financial move is at the moment. Interest rates are increasing, while stocks are in bearish territory. It’s easy to forget that there are smart things that you can do right now regardless of the uncertainty.

1 Get rid of your high-interest debt.

Do you have any debt with an interest rate above 7% or more? (If you have credit-card debt, you likely do!) If so, pay it down first. Why? Well, odds are that any returns you make from investing will be less than the interest you pay on your debts, which sort of defeats the whole purpose.

2 Build an emergency fund.

OK, so you’ve paid off your high-interest debt. Time to invest, right? Almost. First, you should stash away three to six months of living expenses in a savings account or somewhere else low risk. That way, if you get laid off or your car has issues, you’ll have enough cash to ride things out without taking on any more high-interest debt. Which would put you back at step one.

3

Maximize your employer match.

At last! It’s time to invest! So, where to begin? If your employer matches your contributions to a Group Retirement Savings Plan (GRSP), start there. You can contribute as much as 18% of your income, and employers typically match 3–6%. For example: if you made $60K and your company matches 5% of your salary - your company will give you an extra $3,000 in income to put toward retirement. Not taking advantage of this is like refusing 5% of your salary.

4

Max out your tax-advantaged accounts.

The Canadian government, as an incentive to encourage us to save for retirement, offers two special investment accounts. An RRSP reduces your taxable income so that you pay less tax now, while also sheltering any income earned in the plan. A TFSA (Tax Free Savings Account) allows you to contribute an annual amount and any income earned in the plan is not subject to tax. If you invest outside these accounts, you’re voluntarily paying more taxes.

5 Pay down

low-interest debts.

Once your TFSA and RRSP are maxed out, consider paying down your lower-interest debts, like a mortgage or student loans, since these debts still have interest that can negate your investment gains. It’s hard to be super prescriptive about whether this is the right move for you, because it depends on your debt situation, but definitely look at your interest rates and your investment expectations.

6 Invest in yourself or in your children

If you’ve reached step six, congratulations! Now you can think about what to do with the rest of your money. You can put some into a personal investment account, say. Or save for a new house. Or sock away money for your children’s college or university education.

Following these simple steps will help you save for a comfortable retirement irrespective of the short term economic volatility.

DIRECT: 289-925-9599

jason@jason-woods.com www.jason-woods.com

TRANSFORM ANY ROOM INTO A FLEXIBLE SPACE FOR

HOW TO MULTI-PURPOSE LIVING MULTI-PURPOSE LIVING

As lifestyles shifted due to the coronavirus pandemic, our homes had to adapt to new activities and routines. Dining rooms and closets became home offices, kids’ bedrooms served as home-school spaces, and guest rooms were outfitted with workout equipment.

THINK OUTSIDE A ROOM’S ASSIGNED FUNCTION

Consider your home’s least-used spaces, such as a formal dining room, breakfast nook, sitting room or extra closet, and how they could be put to better use. Your home’s builder might have intended the room for a specific purpose, but feel free to readjust if that doesn’t align with your everyday priorities. Nothing is off-limits for reimagining how a space can be used.

A flex space should be designed around the activities that will take place there, such as working, exercising, doing homework and more. People are surprised by how cohesive they can make a space if they start from ‘What should the space facilitate?’ versus ‘What is supposed to be in this room?’.

CONSIDER YOUR LONG-TERM NEEDS

As you configure your flex space, consider how your needs might change as time goes on, and plan for flexibility. If you have young children at home, think about how it will be utilized as they grow up. If you will host a lot of family or guests in the future, think about how you’ll accommodate them. Opt for lightweight, easy-to-move furniture to help ensure your setup can be rearranged as needed. When it comes to exercise equipment, consider alternatives to large and bulky equipment, such as tension bands. These can be kept in a decorative bin or basket and still provide a full-body workout.

PLAN FOR STORAGE

Incorporate plenty of storage into your flex room to manage clutter and maximize space. Add storage that can be closed off – cabinets with doors to hide messes and contain all the items necessary for whatever activities will be taking place in the room. Choose furniture or containers that can stylishly and efficiently accommodate your storage needs, whether that’s for workout gear, office supplies, toys or other items.

COMPARTMENTALIZE THE FLEX SPACE

If your flex space will serve multiple functions, section off areas of the room for each need. For example, designate one corner for a home office and use the other side of the room as a workout space. Room dividers or shelving units can serve as physical barriers that separate the space and offer added privacy. For a visual cue, lay down rugs or paint an accent wall to specify different sections.

USE FLEXIBLE FURNITURE

If you want to have a multi-purpose space, you need to have multipurpose furniture. Outfit your room with pieces that can transform to suit different needs or activities. Look for nesting furniture that can be stacked or separated, tables with extendable leaves or fold-down mechanisms, and armoires that can open up to reveal a workspace. Just be sure to measure the room carefully before purchasing furniture.

REFLECT YOUR PERSONALITY

Customize your flex space to suit your style. Use it as an opportunity to go bold with a dramatic paint colour or patterned wallpaper. Or tailor it to a certain hobby or interest. There are so many creative ways to utilize extra space, so take it as an opportunity to showcase your personality and passions.

By Jessica Bennett, BHG.com ©2022 Meredith Corporation. Distributed by Tribune Content Agency, LLC.

- QUIET COUNTRY ROAD

NEW LISTING

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10.9

ACRE HOBBY FARM!

Beautiful wooded lot! Bright kitchen, cozy living, separate sitting area. 2 bdrms on 2nd floor. Original trim throughout, built in cabinetry. 2 car garage & chicken coop.

LISTING -

AFFORDABLE LAKE LIVING

Cozy 2 bed w/amazing, unobstructed Lake Erie views. Large wide lot. Loads of natural light fill open concept home. Gas fireplace, bright kitchen. 4 pc bath, attached garage.