Southwestern Ontario New Home & Condo Guide - December 8, 2012 by NextHome

6-week issue Dec 8, 2012 - Jan 19, 2013 Volume 15 Issue 22

Live the life with Branthaven Homes Celebrating 40 years

inside this issue

END OF YEAR TAX TIPS

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‘ MARKET CORRECTION’ MUCH ADO ABOUT NOTHING

PORT DOVER: CHARMING SMALL TOWN ON THE RISE

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INVENTORY

BLOW OUT

Event.

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Summerlea

Bla

Wyndfield

Con

Wyndfield

Lake Ontario

Wyndfield (519.756.4554) & Summerlea (905.692.6000) Mon - Thurs: 1pm - 7pm Fri: 1pm - 6pm Sat, Sun, & Holidays: 11am - 5pm

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MORE GREAT DEALS! WE ARE OPEN DURING THE HOLIDAYS: MON

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Riverland (519.648.9762) Mon & Tues: 1pm - 7pm Wed - Fri: by appointment only Sat, Sun, & Holidays: 11am - 5pm

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Prices, sizes and specifications are subject to change without notice. E.&O.E. Map not to scale. Please see Sales for full details. Exclusive listing brokerage: TFN Realty Inc. Brokers Protected.

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This hits us right at home! Thank you for making us “The Highest Overall Rating in Service, Quality and Value among all New Home Builders.” Making people feel “right at home”, is at the heart of what we do. So, when you rated us “Highest Overall in Service, Quality and Value”, it really hit home. C

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contents

DEC 8, 2012 - JAN 19, 2013

VOLUME 15 ISSUE 22

cover story

p.14

BRANTHAVEN HOMES Celebrating 40 years of building quality

regular and special features IN EVERY ISSUE 10 EDITOR’S NOTE

79 80

IN THE NEWS 38 MULTI-AREA DEVELOPMENTS

CITY FOCUS

HHHBA

HOT SHEET

HHHBA

Hundreds tour Summit Park model homes during opening

HOT DATES AD INDEX

COLUMNISTS 32 EXPERT ADVICE

Guelph: a place to grow and invest

by Karen Kessel

MONEY MATTERS

Holiday shopping without the hangover by Gail Vaz-Oxlade

MAKE YOUR MOVE

Make future holidays merrier with proper packing

by Dan Hopkins

THE MORTGAGE MINUTE

What’s all the fuss about a ‘market correction’?

by Peter Kinch

FUNDAMENTALLY SPEAKING

A long-term view of your home provides a brighter picture

helps raise $60,000 for Dr. Bob Kemp Hospice

Association celebrates 2011-12 President Carla Agostino

HOMEBUYERS’ HELP 18 GETTING YOUR FINANCES IN ORDER

13 essential tax-planning strategies

HOT SHEET

GETTING YOUR FINANCES IN ORDER

Waterloo

QUICK TIPS

HOT SHEET

Resolve to get organized in 2013 Hamilton

London

HOMEBUYERS’ RESOURCES

Mortgage Calculator & Rate Table

community focus features 24

PLATTSVILLE

Claysam Homes

Get affordable country living at Claysam’s Plattsville Estates

End-of-year tax tips

Port Dover – charming small town on the rise

ANCASTER, CHIPPAWA, THOROLD

Rosehaven Homes

is very excited about 2013

NIAGARA FALLS

Mountainview Homes Find your dream family home at Fernwood Estates

by Wayne Karl

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Welcome to your care-free

ZONE.

LOW MAINTENANCE LIVING BACKYARD / DECOR DOLLARS

$12,000 Value for new singles FALLS NIAGARA $6,000 Value for towns Teeing off from the high

$200’s

Bungalows, Bungalofts, 2-Storey Towns, & Singles on 32’ - 50’ Lots

ONLY 5% DOWN!

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It’s Today’s Home, Just Better!

289.296.8508 Mountainview

Realtors

Hours: Mon -Thurs, & Saturday & Sunday 12-5pm Fridays by appoinment

www.mountainview.com Prices and specifications are subject to change without notice. E.&.O.E. Rendering is artist’s concept.

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SALES CENTRE

THUNDERING WATERS GOLF COURSE

289.241.4896 12/5/12 4:19:55 PM

editor’snote

Review your contract

Know what you’re signing for – beforehand

ome-shoppers may not realize that the contract for a new home is different from the traditional resale version. Since a new home is not always built when the contract is drawn up, it’s often based on the lot and a model that you, the buyer, have selected. Builders often offer several versions of one model and different variations on the exterior appearance as well, so be sure to verify that your contract describes the right home and the elevation type and floorplan specifications you want. The lot and orientation of the home are also important to verify, since a builder may assign certain models to specific lots in order to create an attractive streetscape. This may result in a reverse floorplan to fit into the overall community design, which means the entire home will be reversed when compared to the floorplan you reviewed. Check with your builder if this is the case with the home you are considering if you are concerned about this being a possibility. Some people don’t mind, while others do. A good sales representative will review your specific home and contract with you, and a proper new-home contract will include all of these details. Since contract agreements differ from builder to builder, be sure that all is in order by having your contract reviewed by a real estate lawyer to make sure all the details are documented properly and accurately.

VICE-PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

ASSOCIATE PUBLISHER

Susan Maxwell

EDITOR-IN-CHIEF, NATIONAL REAL ESTATE

Susan Legge ART DIRECTOR

Julie Yoo EDITOR

Wayne Karl CONTRIBUTING EDITORS

Janine Druery Elisa Krovblit Silvana Longo Lydia McNutt (on leave) Sara Duck (on leave) DISTRIBUTION & SALES CO-ORDINATOR

Jennifer Bistron

ADMINISTRATIVE ASSISTANT

Antoinette Jackson

MANAGER OF PRODUCTION

Bala Gnanapandithan CO-ORDINATOR

Laura Northmore GRAPHIC DESIGNER

Alexander Yakubovich NATIONAL ACCOUNT MANAGER, MEDIATIVE

Susan Legge EDITOR-IN-CHIEF

Paul Slizys

Wall2Wall Media, susan.Legge@wall2wallmedia.com

Joanne Keenan Jeffrey Reed

Follow me on Twitter at Twitter.com/SusanLegge

CONTRIBUTING WRITERS

PUBLISHED BY

Here’s to 2013

Next year looks stable, if somewhat challenged, all things considered

t’s certainly been an interesting year, 2012. As I write this, the U.S. economic expansion continues gradually, Europe remains in recession, growth in China is stabilizing and the Bank of Canada has once again held its overnight lending rate at one per cent. And somehow, despite it all, the Canadian economy and housing market continue to hold their own, albeit somewhat tenuously in some areas more than others. RBC Economics Research says homeownership affordability improved in many markets in the third quarter of this year, and Canada Mortgage and Housing Corp. forecasts that 2013 will be a year of moderation in some areas, continuing growth in others. Most importantly, Canada’s economic fundamentals remain strong and supportive of housing demand. Indeed, against the backdrop of what’s going on elsewhere in the world, Canada’s performance in 2012 is worth celebrating. Not that our industries and housing market are immune from international developments – in fact, far from it. But with smart fiscal policy and prudent lending practices – and awareness of key market fundamentals by Canadian homebuyers – here’s to more of the same in 2013.

Wayne Karl EDITOR Wall2Wall Media, wayne.karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl

Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 Call Susan Maxwell at 416.580.1654 FAX: 416.784.9554 Toll Free: 1.877.269.8257, follow prompts, ext. 4260; e-mail: susan.maxwell@wall2wallmedia.com Office hours are Mon-Thurs. 9-5; Fri. 9-12

ADVERTISING:

CIRCULATION: Free distribution. Published bi-weekly from Sept.-Nov. & from Feb.-June and monthly in June, July & Dec. TERMS: Advertisers, Editorials and New Home & Condo Guide are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. EDITORIAL: Submissions from interested parties will be considered. Please submit to the address above, to the attention of the Editor. COPYRIGHT 2012: All

rights reserved by New Home & Condo Guide, Toronto, Ontario. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication. Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada. Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

10 NEW HOME & CONDO GUIDE SWO | DEC 8, 2012 - JAN 19, 2013

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U9028_LincSq_NHC_Oct23_U9028_LincSq_NHC_Oct23 12-10-23 4:21 PM Page 1

More Home For Less!

Beamsville offers Better Home Value than Burlington, Hamilton and Grimsby! Stretch your new home dollars! The Lincoln~1570 sq. ft.

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* See Sales Representative for details. Illustrations are artist’s concept. Prices and specifications subject to change without notice. E. & O.E. October 2012

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coverstory

Branthaven Homes

Celebrating 40 years of building quality location Grand River, Kitchener, Stoney Creek, Grimsby housing type Nestings at River Ridge, Grand River, single-family homes on 36- to 50-ft. lots; JOY, Kitchener, three-storey townhomes; Paramount at Valley Park, Stoney Creek, luxury singles and semis; Bravo-by-the-Lake, Grimsby, two- and three-storey towns and Back2Backs contact branthaven.com

ounded in Burlington in 1982, Branthaven Homes is Burlington’s oldest and most prolific homebuilder. Since building its first custom estate in Burlington 40 years ago, Branthaven has earned its reputation for delivering outstanding homes in sought-after locations and providing its homebuyers with an exceptional new home experience. What began as a family-run company building custom homes – coveted estate homes in Burlington’s countryside and waterfront residences along Lake Ontario – Branthaven has grown into a premium homebuilder of quality singles, semis and innovative lifestyle townhome communities across the GTA West and SW Ontario. The company’s formative years as a custom home builder have taught Branthaven the value of providing home designs that are custom-inspired with features and finishes that are ahead of the industry curve. Another lesson, treating its homebuyers with the utmost respect and dedicated customer service, has earned Branthaven a remarkably loyal repeat buyer who values the attention to detail and personal care that Branthaven provides. Whether an estate single in Waterloo, a semi-detached in Stoney Creek or a contemporary Back2Back town in Grimsby, Kitchener or Waterdown, Branthaven’s emphasis on upgraded architecture, highly livable floorplans, stylish selections and built-in value are the hallmarks of every community it builds. Branthaven consistently is recognized by

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the new home building industry as a leader in outstanding home designs and interiors. Just this past month, Branthaven was nominated for more than 10 awards at the Waterloo Region Home Builders’ Association awards dinner, taking home top prize in six of the categories. As 2012 comes to an end, Branthaven Homes can proudly look back at its 40-year history and the impact its design has had in enhancing the lives of its customers and the communities in which they build. You can look forward to many exciting communities now available and coming in 2013.

BRANTHAVEN HOMES

Multi-site

Now Open Nestings at River Ridge Located in prestigious River Ridge, by the Grand River, Nestings is a collection of sophisticated single-family homes on 36- to 50-ft. lots. Phase 1 is under construction with choice lots still remaining. Phase 2 is now released. There are two award-winning, fully decorated model homes to tour. Homes from the low $400’s. JOY Kitchener Find Joy with homeownership at Branthaven’s popular three-storey townhomes steps from downtown Kitchener. Now under construction, Joy has an array of great lifestyle towns in an upgraded enclave of brick and stone townhomes, lush landscaping and a private cul-de-sac setting. The Brilliant model home is a must see and there are many affordable town homes smartly priced from $240’s.

Paramount at Valley Park Now you can live beside an 80-acre park in a master-planned community that has so much to offer. Branthaven has luxury singles and the only semis in Stoney Creek! Get up to $20,000 worth of Branthaven’s built-in savings and enjoy Branthaven’s extraordinary style and curb appeal. Now open and featuring sensational value and selection. Semis priced from the $270’s and singles from the $350’s.

towns plus carefree Back2Backs, Bravoby-the-Lake has two new model homes and is in its second phase release. Bravo for Branthaven’s many built-in features such as nine-ft. ceilings, designer finishes series and $9,500 bonus package. Towns from the $200’s.

Bravo-by-the-Lake The third Bravo! community by Branthaven Homes, Bravo-by-the-Lake is the best of waterside living in Grimsby. Offering two- and three-storey

To find our more about these fine communities and new openings in 2013, visit branthaven.com dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 15

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READERSHIP SURVEY

YOU COULD WIN 24” RCA LED Flat Screen TV by just ﬁlling out this form

TO OUR READERS, we would like to hear from you! You have just read our current issue of New Home & Condo Guide and we would like to hear from you. Please fill-out the following and fax, email or mail this form and your name will be entered in a draw for your chance to WIN a 24” RCA LED Flat Screen TV*

*Prize or delivery does not include: measure, installation. Prize may not be exactly as shown.

name address city

postal code

phone

Are you male or female? ❒ Female ❒ Male

How long did you spend reading

Age range ❒ 18-24 ❒ 25-34 ❒ 35-44 ❒ 45-54 ❒ 55+

New Home & Condo Guide Southwestern Ontario?

Your household income? ❒ $30-$45,000

❒ $45-$60,000

❒ $60-$80,000

❒ $80-$125,000 ❒ $125-$150,000 ❒ $150,000+ Where did you pick-up our magazine? ❒ Yellow street box ❒ Grocery Store ❒ Canadian Tire ❒ Bank ❒ Other (PLEASE SPECIFY)

❒ Less than 15 minutes

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When you finish reading NH&C SWO do you?... ❒ Keep it for future reference ❒ Discard or recycle it ❒ Pass it on (PLEASE SPECIFY) When searching for your real estate needs which of the following do you use?

Housing Type:

❒ Print

❒ Condominium

❒ Detached

❒ Semi-Detached

❒ Townhouse

❒ Online/Internet ❒ Social Media

❒ Facebook ❒ Twitter Bungalow

❒ Adult Lifestlyle Community

Did you find what you were looking for in this issue? If not please share your comments

Home price range ❒ $200,000-$250,000 ❒ $250,000-$300,000 ❒ $300,000-$350,000 ❒ $350,000-$400,000 ❒ $400,000-$450,000 ❒ $450,000-$500,000 ❒ $500,000-$600,000 ❒ $600,000+ I am interested in communities located in: ❒ Ancaster

❒ Grimsby

❒ Oakville

❒ Binbrook

❒ Guelph

❒ St. Catharines

❒ Brantford

❒ Hamilton

❒ Stoney Creek

❒ Burlington

❒ Kitchener

❒ Waterloo

❒ Beamsville

❒ London

❒ Woodstock

❒ Cambridge

❒ Milton

❒ Other

❒ Fergus/Elora

❒ Niagara

❒ Georgetown

❒ Niagara on the Lake

To participate, please complete the survey and mail to: New Home & Condo Guide 401 The West Mall, 5th floor, Etobicoke, ON M9C 5J1 Att: S. Maxwell or Email: susan.maxwell@wall2wallmedia.com Fax: 416-789-9554 Please indicate that you agree to the Rules and Regulations of the contest, shown below, in order to qualify for the contest. ❒ YES ❒ NO No purchase necessary. Contest open to Ontario residents of legal age. The contest runs from May 12th to December 31st, 2012. Odds of winning depend on the number of entries received. Prize vouchers are not redeemable for cash, and are non-transferable. *One entry per person.

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Some repairs should be left to the experts.

Introducing Comfort Value Bundles from Reliance™. Worry-free coverage on some of the most important equipment in your home. Even in a new home, costly repairs to essential equipment such as your water heater, furnace and A/C aren’t as rare as you’d think. That’s why we’ve developed our new Comfort Value Bundles – three bundled rental offerings, featuring best-in-class heating, cooling and air filtration products along with water heating rental equipment, that deliver complete peace of mind: • No repair bills* • Live telephone support, 24/7/365 • Ease of renting

• Reliable, trusted brands • Large network of licensed technicians Imagine never having to tackle repairs to some of the most important pieces of equipment in your home again.

Don’t settle for anything less than 100% coverage. Ask your preferred builder if they offer Comfort Value Bundles from Reliance today.

* Subject to standard terms and conditions. TM “Reliance”, “Reliance Home Comfort” and the Reliance Home Comfort logo are trademarks of Reliance Comfort Limited Partnership. 17

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gettingyourfinancesinorder

13 essential

tax-planning strategies your tax liability or obtain refunds for taxes paid Dec. 31, the day can be nerve-wracking for those who haven’t in previous years. considered year-end tax planning strategies, according to RBC 07 Charitable donation The final day to make Wealth Management. contributions to a registered charity in order to “December 31 is second only to April 30 as a crucial date in claim the donation tax receipt on your 2012 income the tax planning calendar,” says Tony Maiorino, vice-president and tax return is Dec. 31. However, if you plan on dohead, RBC Wealth Management Services. “Because this date nating securities in-kind before year-end, ensure represents the last day of the year that potential tax savings op- that you start this process well in advance. portunities are available, you need to start planning now to help 08 Registered Retirement Savings Plan achieve your financial goals.” (RRSP) Conversion If you are turning 71 in 2012, you cannot have an RRSP after Dec. 31. Consider Here are 13 potential tax-planning strategies to consider: making your expected 2013 RRSP contribution in December before converting your RRSP. 09 Employer Bonus Are you receiving an emFor business owners 01 Incorporated company If you are a business owner with an ployer bonus by Dec. 31? Deferring it may be a incorporated company, you may find both year-end corporate in- wise choice for you if you are expecting to be in come tax deductions and a structured retirement savings plan for a lower tax bracket in 2013. yourself through an Individual Pension Plan (IPP). 10 Registered Education Savings Plan (RESP) 02 Salaries for family members As a business owner, consider If you are contributing to an RESP, you’ll want to paying salaries to yourself and appropriate family members before ensure you have contributed the maximum allowed Dec. 31. This strategy can give your family members earned income in order to qualify for the 20 per cent Canada enabling them to make an RRSP contribution the following year Education Savings Grant by Dec. 31. and giving your business a tax deduction in the current year. 11 Moving within Canada If you plan to move 03 Purchasing assets If you are a business owner and intend on within Canada, consider that individuals pay purchasing assets for your business (such as computers), purchas- provincial tax rates on taxable income based on ing them before Dec. 31 may allow your business to claim depre- their province of residence on Dec. 31. Since ciation on these assets for tax purposes. marginal tax rates vary from province to province, you may want to consider moving prior to Dec. For individuals 31 if you are moving to a province with a lower 04 Prescribed rate loan to spouse With Canada Revenue tax rate. Agency (CRA) stating the prescribed interest rate will remain at 12 Quarterly payments to CRA If you make a historical low of one per cent until Dec. 31, it is an opportune quarterly tax installment payments to the CRA, you time to consider establishing or modifying a spousal loan as a should consider making your final payment on or possible income splitting strategy. before Dec. 15 to avoid late interest charges. 05 Unrealized capital gains If you have unrealized capital gains, 13 Fees Remember to pay all investment manageyou may want to consider deferring them until after Dec. 31 if your ment fees, tuition fees, safe deposit box fees, acmarginal tax rate may be lower in 2013 compared to 2012. counting and legal fees if deductible, childcare 06 Tax loss selling Are you facing a large capital gain in 2012? expenses, alimony, medical expenses and any If so, you may wish to maximize the opportunities associated with business expenses by December 31 if you want selling securities that have an unrealized capital loss to help reduce to deduct them on your 2012 tax return. While many people will be celebrating on

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halton hills wellington waterloo

hot sheet

BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

preview registration mady developments Waterloo | 155 Uptown Waterloo Register now for priority release information for these stylish uptown condominiums.

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dunsire developments Kitchener | Mill Creek Village Coming soon – a collection of family townhome designs in a central location, close to schools, amenities and highway access.

millcreekvillage.ca

gemini homebuilders Guelph | The Highlands Coming soon – executive townhomes and semis – register today.

geminihomes.ca

queensgate & losani homes Kitchener | Victoria Common Coming soon – carefree living condo suites and townhomes in downtown Kitchener-Waterloo.

victoriacommon.ca

the tricar group Guelph | RiverHouse Condominiums Luxury urban condos from the mid $200’s, with panoramic city and river views.

riverhouseguelph.ca

Almaa Ayr Cambridge Elora Fergus Georgetown Guelph Kitchener Rockwood Waterloo

new openings

new releases

hasstown holdings Cambridge | The Grand

reid’s heritage homes Fergus | Highland Hills Final building selling fast in this masterplaned community of two- and threebedroom condominium suites. reidsheritagehomes.com

Grand opening continues for these exciting new condominium residences on the Grand River.

grandcondo.ca

SCHLEGEL URBAN DEVELOPMENTs Kitchener | Williamsburg Walk

gemini homebuilders Guelph | Creekside

Last chance at pre-construction pricing for this master-planned community of stylish condominiums in the heart of Williamsburg Town Centre.

Already 30 per cent sold, these semis are at the heart of a community full of shops, schools and parks. Move-ins available for late summer or early fall.

williamsburgwalk.ca

geminihomes.ca

gemini homebuilders Guelph | Morning Crest

jg group of companies Cambridge | Riverbank Lofts

New phase of development, including 30-ft. lots and semis, now available. Walkout and lookout lot options. Starting in the low $300’s.

With Phase I more than 80 per cent sold, Phase II is coming soon in this prestigious riverside condo community.

claysam homes Guelph | Creekside

monarch Kitchener | The Poplar

geminihomes.ca

Freehold walkout townhomes starting at $299,900.

claysamhomes.com

riverbanklofts.ca

Designer decorated model home, 2,464 sq. ft. at $479,990.

monarchgroup.net

fusion homes Waterloo | Vista Hills Premium home designs on 40- and 50-ft. lots in secluded community of Vista Hills.

fusionhomes.com

dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 19

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Plattsville

Breslau

Milton, Georgetown, Rockwood, Guelph, Fergus, Elora, Alma, Cambridge, Kitchener, Waterloo, Ayr

Halton Hills / Wellington / Waterloo:

Acton

Prices

Page

Cambridge

haastown holdings

The Grand

•

from $209,900

Fergus

Reid's Heritage Homes

Highland Hills

•

from $190's

Guelph

CLAYSAM HOMES

Creekside

•

from $299,900

Guelph

Reid's Heritage Homes

Westminster Woods

•

from $168,900

Guelph

vanmar

V2 Condos

•

from mid $200's

Kitchener

BRANTHAVEN HOMES

Joy

Kitchener

BRANTHAVEN HOMES

Nestings

Kitchener

DUNSIRE DEVELOPMENTS

Mill Creek Village

Kitchener

Empire communities

Riverland

•

Kitchener

Terra View Homes

Edgewater Estates

Kitchener

losani homes

Plattsville

Waterloo

•

from high $240's 12&13

•

from low $400's 12&13

•

from low $200's

from $299,990

2&3

•

from $370,000

Doon Creek

•

from $219,990

claysam homes

Plattsville Estates

•

from $289,900

fusion homes

Vista Hills

•

from $459,900

Milton, Georgetown, Rockwood, Guelph, Fergus, Elora, Alma, Cambridge, Kitchener, Waterloo, Ayr

Builders SiteS

Halton Hills / Wellington / Waterloo:

De t. Se m Bu i ng a To low w Co nho nd m Ad o e ul tL ife sty le

Location

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Following the tremendous success of Waterscape Phase 1, Haastown is now opening the second and final phase of this exclusive condominium community. The Grand at Waterscape is a brand new 12 storey contemporary residence designed for

Lingerthose overseeking a morning espresso on your riverside living at itsbalcony finest. enjoying the spectacular view over the river. It’s a panoramic vista you’ll never grow weary of at The Grand. All just a short stroll from All offering you not only an incredible setting but truly exceptional value.

The views will last forever…this opportunity will not!

GrandCondo.ca

209,900

Here the most breathtaking views of the Grand River await you each morning in a sophisticated FROM Cambridge’s historic downtown, and minutes from shopping, dining or a night at the theatre. location, steps from the shops, live theatre and restaurants of the city’s historic downtown.

CAMBRIDGE

GrandCondo.ca

Sales Centre: 170 Water St. North, Cambridge, Sales Centre: Water St. North, Hours: Mon.-Fri. 170 1p.m. – 7p.m., Sat. &Cambridge, Sun. 1p.m. – 5p.m. Hours: Mon.-Fri. 1p.m. – 7p.m., Sat. & Sun. 1p.m. – 5p.m. Prices and speciﬁcations are subject to change without notice. E. & O.E. Prices and speciﬁcations are subject to change without notice. E. & O.E.

View our Furnished Model Suite Today!

HAAS-GRA-A-AD-NHC-SW-OCT10-1.indd 1 022-Haastown Holdings 10-13-12.indd 22

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We install soaker tubs. You immerse yourself in relaxation. At Fusion Homes, we only install deep soaker tubs. They’re more comfortable and stylish than the regular tubs other builders install. Yet, at Fusion Homes, you never pay more for these kinds of upgrades. It’s just another example of how we dot every “i” to make sure we exceed industry standards and provide you with stress-free service. Visit fusionhomes.com or one of our sales centres.

Your extraordinary Fusion Home awaits you at Vista Hills

Now available in Waterloo from $459,900 Offering premium home designs on 40’ and 50’ lots in the most secluded and naturally advantaged area of the Vista Hills community. Visit fusionhomes.com for complete details. See our website for maps and more information. Price and specifications subject to change without notice. E.&O.E. Bathtub may not be exactly as shown. Ask your sales professional for details.

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communityfocus

Get affordable country living AT CLAYSAM’S PLATTSVILLE ESTATES

LOCATIONS Plattsville HOUSING TYPE Bungalows and two-storeys on 50- and 60-ft. and estate lots, from 1,200 to more than 2,400 sq. ft., from $289,900 CONTACT 519.584.6771 | claysamhomes.com

here are few things in this world that offer more than you’d expect. Plattsville Estates, in the midst of the countryside of southwestern Ontario is one of them. Spacious lots and homes, fresh air, quiet surroundings – and all this at prices considerably less than city living anywhere along Hwy. 401. And this is where you’ll fi nd Claysam Homes and its collection of country-sized lots that enjoy the wideopen spaces of this quiet community where the Nith River gently winds around it. A new release of 50- and 60-ft. lots neighbour additional estate lots offering a wide selection of opportunities to those who prefer to watch the city disappear in the distance. The new release

24 NEW HOME & CONDO GUIDE SWO | DEC 8, 2012 - JAN 19, 2013

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CLAYSAM HOMES Plattsville Estates

also includes prestigious walkout lots. Just beyond Kitchener and Cambridge, Plattsville is also within easy reach of Woodstock, New Hamburg and Stratford as well as other smalltown destinations close at hand for unlimited daytripping opportunities. With quick access to Hwys. 401, 402 and 403, you can reach Kitchener, Brantford or London in the time it takes to have a cup of coffee. Two furnished models are available for viewing showcasing one-level living in the 1,564-sq.-ft. Daytona bungalow and two-storey living in the 2,414-sq.-ft. Pinehurst. The two-bedroom Daytona features an innovative layout with the kitchen angling through the centre of the home as it reaches out to the dining room and the great room beyond. The master suite is at the back of the home while a front bedroom can easily serve double duty as a den. The Pinehurst is family living and entertaining at its finest as you’ll discover once you enter the front door. Half

Spacious lots and homes, fresh air, quiet surroundings – and all this at prices considerably less than city living anywhere along Hwy. 401 walls define the living room at the entrance. Next you’ll be greeted by a formal dining room where columns upon half-walls reappear, followed by the eat-in kitchen that opens into the great room. Upstairs there are three bedrooms including the master suite with walk-in closet and luxury ensuite. There is an optional fourth bedroom that is ideally utilized as a media room offering another gathering space for the busy family. Homes range in size from a 1,200-sq.-ft. bungalow to two-storey homes of 2,400 sq. ft. Custom plans are welcomed for the various lot sizes. Features of each home include a custom eat-in kitchen by B&D Woodworking, in Guelph, master suite with ensuite and walk-in closet, columns and half walls, tankless water heater, ceramics and double garages. And with the money saved by buying here rather than in Kitchener or beyond, you can add additional enhancements to your home like hardwood or central air. With the wonderful width of these homes and depths of 121 or greater, the yards are pool-sized and great for many outdoor living areas. This is smalltown living at its best with plenty of nearby amenities and activities and an overwhelming sense of community. Both adults and children enjoy the friendly competition of hockey at the local arena, plus figure skating. The curling club also houses and banquet hall. In the summer, look forward to soccer and softball leagues, the tennis courts and lots of greenspace and parkland for all. DEC 8, 2012 - JAN 19, 2013 | NEW HOME & CONDO GUIDE SWO 25

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gettingyourfinancesinorder

realize tax savings: some medical expenses; fitness costs and registration fees for artistic, cultural, recreational or development activities for your children under 16 (under 18 for disabled children); public transit costs; investment costs (safety deposit box rental, interest and brokers’ fees); moving costs; tuition fees and interest on student loans; and charitable and political donations. » With current interest rates at very low levels, you might want to consider loaning funds to a spouse or common-law partner who is in a lower marginal tax bracket than yourself. Your spouse can invest the loan proceeds and include any income/capital gains as their own, provided you are paid interest on the loan at the prescribed rate in effect at the time the loan is made. Work with a tax planning professional to understand the rules. » Most people must make their 2012 RRSP contribution by March 1, 2013, but you can delay your RRSP contribution if you expect to be in a higher tax bracket in the near future, or you can make the contribution but delay claiming the amount. Nobody likes to pay too much tax, but a » You may also be able to make contributions to a Registered bit of planning can reduce your tax liability. Education Savings Plan, Registered Disability Savings Plan “It’s not too late to change what will go on your 2012 and a Tax-Free Savings Account. There is no tax on the income tax return when this season rolls around,” says Gary earned in an RESP or RDSP until the amounts are withdrawn, Dent of the accounting firm Grant Thornton. and any income earned in a TFSA is never taxed. You can start to collect CPP benefits beginning as early Dent recommends talking to your accountant as age 60 and as late as age 70, but you no longer have to be about these last-minute tax planning tips: retired to begin receiving payments. If you are between 60 » If you have a capital gain in 2012 (or in any of the and 65 years of age and have not yet retired, you need to decide last three years), talk to your accountant about selling if you want to start collecting benefits. investments with accrued losses before the end of the » The government imposes a “clawback” on your Old Age year. If your spouse has realized a capital gain and you Security payments if your net income for 2012 exceeds $69,562. have an unrealized loss (or vice-versa), there are ways If you have the ability to manage the amount of income you to transfer the loss to the spouse with the gain. receive in a year, keep this threshold in mind. » Since most mutual funds distribute income and » In general, charitable donations over $200 result in tax capital gains once a year around mid-December, defer- savings at the highest marginal tax rate. ring the purchase until January will mean that you won’t have to report any income for 2012. If you’re While these tips aren’t a substitute for the recommendaplanning to sell, consider doing it before the distribu- tions of your tax adviser, and individual circumstances vary, tion date so instead of reporting an income allocation, the ideas can help begin the conversation with your acyou’ll realize a capital gain or loss. countant. More information and guidance is available online » Make certain payments before the end of the year to at grantthornton.ca NC

End-of-year

tax tips

28 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

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OWN ONE OF KITCHENER’S NEWEST AND MOST AFFORDABLE TOWNHOMES

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www.mILLCrEEkVILLAGE.CA

Sales Centre: Mon-Wed: 4-8pm Weekends: 1-5pm Holidays: Closed 1.888.519.2346

HWY 7 Ottawa St. Block Line Rd.

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Rendering is artist’s concept and is subject to change. Illustration may show optional features which may not be included. Landscaped areas are concept only. See Sales Rep. for more information. *Based on 5% down at 2.90%. Pricing subject to change without notice. E. & O. E.

COLOUR SPECS

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quicktips

Resolve to get

organized in 2013 After the big glittery ball has dropped and

resolutions are made, the difficult part begins. To achieve success, observers suggest we break down our resolutions into smaller, more feasible goals. Think short-term. For example, it is well-known that every year, one of the most popular resolutions is to become more organized. This can sometimes feel overwhelming, so here are some simple solutions from The Home Depot Canada to clear and conquer the clutter in your home: Organize your front foyer

This space sets the tone for first impressions. Think about stashing useful items such as gloves, hats, scarves and pet supplies in decorative fabric bins. These are easy to label, and make it easy to find items with just a glance. If you do not have a closet in your entry way, invest in a simple shelved console table where you can store your organized items for easy access. A multi-purpose shelf with mounted hooks for sweaters, jackets and coats is essential to keeping your no closet foyer pristine. De-clutter your kitchen pantry

A functional pantry is the key to a functional kitchen. Creating a working pantry can be a big challenge depending on your cooking routine and habits. Take measurements of your space and purchase wire baskets or locking plastic containers to categorize your various ingredients according to your needs. Hang bins inside of the pantry door for popular foods. Not only will this be a time saver, but will also optimize your pantry space. Conquer your bedroom closet

When assessing whether or not a new home is financially realistic, remember that housing costs (including mortgage payments, utilities and taxes) should not take up more than one-third of your total household income

Bedroom closets often fall victim to being a dumping ground for items without a â&#x20AC;&#x2DC;homeâ&#x20AC;&#x2122;. As you de-clutter, sort items into the following categories: keep, donate, recycle and trash. For the items you do keep, the closet configurator is not only a simple solution, but also an affordable one. With so many options available for a variety of sized spaces, adjustable shelving systems will accommodate your changing needs. By following these simple suggestions you will not only have the tools for organizational success but also be able to check off that New Yearâ&#x20AC;&#x2122;s resolution without the guilt of past years. More tips on home organization are available online at homedepot.ca or at a store in your neighbourhood. NC

30 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

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expertadvice

City of Guelph

A place to grow and invest by Karen Kessel

Richly endowed with worldclass academic, cultural and lifestyle

amenities, Guelph has grown to be one of the top 10 cities to live in Canada. Recognized as part of one of the fastest growing regions in Ontario, Guelph has experienced considerable growth during the last decade. Major new residential and employment areas continue to be developed in all suburban areas of the city. Growth management has been necessary to address the long term growth pressures facing the city caused in part by the provincial initiatives directing growth to identified urban areas, including Guelph. The current population is 115,000 people and is slated to continue growing at two per cent per year. The “Places to Grow” legislation mandates increased intensification of development – particularly along specific corridors and downtown areas In order to facilitate the projected growth, new home and condominium builders have begun to take advantage of the tremendous opportunity presented to them. Two-thousand and twelve has seen the completion of several south-end projects, and the launch of many more throughout the Royal City. Builders have also started to trend towards a focus on condominium development to maximize density in key areas, in accordance with the growth management strategies of the city. With so many new home communities

Karen Kessel is the Broker of Record of Planet Realty Inc., located in Guelph. She brings more than 25 years of experience in the sales and marketing of homes and condominiums across Ontario. She can be reached at karen@planetrealty.ca or visit planetrealty.ca

and new condominiums being released to the market, the following projects are just a sampling of what Guelph’s new housing marketplace has to offer. RiverHouse Condominiums, being built and developed by the Tricar Group is an 18-storey, luxury highrise; the first of its kind in Downtown Guelph. In a city where progress and growth is apparent everywhere, RiverHouse is central to the core of it — as well as the sights, sounds and scenery of an attractive downtown; where people certainly enjoy coming to shop, stroll, dine and attend theatre and events. The high-end finishes and wide array of amenity offerings position RiverHouse among the most exquisite housing options in the city. Launched in early October and sales already well over 70 per cent, RiverHouse has been deemed an overwhelming success. Westminster Woods, in the south-end is an established and growing community of over a thousand Guelph homes, rich in character and distinctive in charm. Reid’s Heritage Homes, a renowned Guelph home builder, started Westminster Woods with a vision of traditional singlefamily homes. Today, this vision has grown to encompass a diverse range of home styles; from bungalows, to two-storey homes, townhomes, condominium villas and flats. In November, Reid’s released its final (ninth) phase of the community. With people camping out in a gravel parking lot prior to the opening, it was a successful sale day with the townhomes selling out, and only a small number of the condos, flats and singles remaining. Serene Condos, situated in the south-end along Gordon Street is a HIP Development project is one of the latest condominiums to be released to the marketplace. This intensification corridor offers a great selection of low to mid-rise condominium developments, along with several small-scale townhome complexes meeting the needs of all segments of the market. The city of Guelph is no longer just a university town – it is part of one of the fastest growing regions in Ontario. Within the Greater Golden Horseshoe Area (the Toronto centered economic region covering a large part of south-central Ontario) provincial projections anticipate that an additional 4 million people will be added over the next 30 years. Of this, the province has targeted population growth to the city of Guelph and surrounding county are to more than 125,000 additional people. If you are looking for a new home or condominium, I encourage you to visit Guelph and discover it for yourself. You won’t be disappointed!

32 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

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hamilton halton niagara

hot sheet

BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

preview registration eastforest homes Simcoe | Woodway Trails Single-detached homes on 45-ft.-wide lots, as well as semis. woodwaytrails.ca adi development group Burlington | Mod’rn Condominium Register now – coming this fall – four-storey condo in the heart of Burlington. adidevelopments.com PDVC Developments St. Catharines | Port Place Condos Register now for this condominium developent with 80 units, ranging from 740 to 3,465 sq. ft. pdvcdevelopments.ca Bayview-wellington homes Niagara | Niagara on the Green Register now for these executive townhomes backing onto the Royal Niagara Golf Course. bwhomes.ca new horizon homes Oakville | Vibe on 5 Vibe on 5 has a new location – Bronte Road, just south of Dundas Street. Register for updates and VIP privileges. brontecondos.ca

Ancaster Beamsville Binbrook Brant Brantford Burlington Catharines Grimsby Hamilton Milton

countrygreen homes Waterdown | The Uptowns of Waterdown Urban style condo towns from the $200’s. countrygreenhomes.com Losani homes, branthaven homes & marz homes Hamilton-Stoney Creek | Paramount at Valley Park Now open – community of two- and threestorey towns, family-friendly singles and Escarpment Estates collection. paramountliving.ca homes by desantis Beamsville | Lincoln Square Grand opening continues for this masterplanned community of executive freehold towns and detached homes. homesbydesantis.com Great gulf homes Thorold | Rolling Meadows Model homes now open for this upcoming community of singles on 42- and 50-ft. lots from 1,845 to 3,035 sq. ft. greatgulf.com carraige gate homes Stoney Creek | Highbury Hill Relaxed living in this award-winning community of towns and singles. carraigegatehomes.com

branthaven homes Waterdown | The Portraits Coming soon, intimate collection of just 47 townhomes in a landscaped enclave. branthaven.com

menkes & fernbrook homes Oakville | Millstone on the Park Grand opening in Oakville – urban towns close to schools, shopping, major highways and more. millstonepark.ca

Tobyn park homes Burlington | ParkCity Register now for Burlington’s hottest new condo. parkcityliving.ca

Losani homes Binbrook | The Fairgrounds Prestige Grand opening of 36- and 46-ft. single-family homes backing onto preserved woodlot. losanihomes.com

new openings empire communities Stoney Creek | Victory Now open – true freehold townhomes and detached homes. yourvictoryempire.com

Niagara Oakville Paris Port Dover St. Catharines Stoney Creek Vineland St.

mountainview homes Niagara Falls | Thundering Waters Now open – bungalows, bungalofts and two-storey towns. mountainview.com phelps homes Grimsby | The Bedford Collection Grand opening – private enclave of 28 bungalows just a short walk from downtown Grimsby. bedfordcollection.ca new horizon homes Brant County | Royal Highland Estates Now under construction – custom bungalows on large estate lots. newhorizonhomes.ca

new releases empire communities Hamilton | Summerlea New release of freehold townhomes to go along with 30-, 36- and 44-ft. detached homes. empirecommunities.com branthaven homes Grimsby | Bravo by the Lake Phase 2 lot release coming soon, in masterplanned community of two- and three-storey lakeside townhomes. branthaven.com countrygreen homes Hamilton | West Bloom Premium lots available in this intimate enclave of 35 single-family homes. countrygreenhomes.com brookfield homes Brantford | Grand Valley Trails New release of bungalow towns; also parkside singles and attached singles. brookfieldgrandvalley.ca

marz homes Stoney Creek | Woodview Now open – forest-side town living in affordable freehold and private lane townhome collection. marzhomes.com

dicenzo homes Niagara | Blueshores Final phase released – waterside living in luxury singles, attached singles and towns. blueshores.info

dawn victoria homes Ancaster | Evergreens on Southcote Custom bungalow, bungaloft and two-storey home designs on 42- and 50-ft. lots. dawnvictoriahomes.com’

countrygreen homes Waterdown | Park Place Village Only 11 semi-detached greenbelt lots remain – for closings in spring 2013. countrygreenhomes.com dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 33

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Paris

Port Dover

Grimsby

Smithville

Oakville, Burlington, Hamilton, Ancaster, Paris, Brantford, Stoney Creek, Vineland, Lincoln, Thorold, Fonthill, Niagara, Niagara-on-the-Lake, Fort Erie

Halton / Hamilton / Wentworth / Niagara:

Thorold Fonthill

Ridgeway

Chippawa

Fort Erie

Builders SiteS S

Ancaster

dawn victoria homes

Evergreens on Southcote

•

from $390's

Ancaster

Rosehaven Homes

Tiffany Hill

•

from $370,000

Beamsville

Homes By DeSantis

Lincoln Square

•

from mid $200's

Beamsville

losani homes

Discovery

•

from $219,900

Binbrook

Branthaven Homes

Celebration

•

from mid $200's 12&13

Binbrook

losani Homes

The Fairgrounds

•

from $219,900

Binbrook

losani Homes

Parkside

•

from $219,900

Brantford

Empire communities

Wynfield

•

from $204,990

2&3

Brantford

brookfield homes

Grand Valley Trails

•

from $209,990

Caledon

monarch

Strawberry Fields

•

from low $400's 42&43

Chippawa

Rosehaven homes

Lyon's Creek

•

from low $300's

Grimsby

Branthaven homes

Bravo! By the Lake

•

from $200's

Grimsby

losani homes

Flair

•

from $219,900

East Hamilton

losani homes

Green Hill Glen

•

from $219,900

Hamilton

Country Green Homes

WestBloom

•

from $329,900

Hamilton

empire communities

Summerlea

•

from $272,990

2&3

Hamilton

multi Area development Bellagio Village at Summit Park

•

from $274,990

Hamilton

new horizon

City Square

from low $200's

Hamilton

SPALLACCI homes

Eden Park

•

Niagara

Mountainview Homes

Thundering Waters

•

Niagara on the Lake BW Homes

Niagara on the Green

•

Oakville

monarch

Bronte Creek

•

from high $500's 42&43

Oakville

MENKES

Millstone

•

from $299,990

Simcoe

eastforest homes

Woodway Trails

•

from $199,990

Smithville

PHELPS HOMES

Brookside

•

from mid $200's

Smithville

PHELPS HOMES

Harvest Heights

•

from mid $200's

Smithville

PHELPS HOMES

Streamside

•

from low $300's

St. Catharines

BW HOMES

Victoria Village

•

from $254,900

4&5

Stoney Creek

BRANTHAVEN homes

Paramount

•

from $200,000

12&13

Thorold

great gulf

Rolling Meadows

•

from $307,990

82&83

Thorold

Rosehaven homes

Gibson Heights

•

from $240,000's

Winona

losani Homes

Ridgeview

•

from $219,900

•

from high $200's from low $200's

Page

48 12&13

36 9 4&5

48 6

Oakville, Burlington, Hamilton, Ancaster, Paris, Brantford, Stoney Creek, Vineland, Lincoln, Thorold, Fonthill, Niagara, Niagara-on-the-Lake, Fort Erie

Prices

Halton / Hamilton / Wentworth / Niagara:

De t. Se m Bu i ng To alo wn w h Ad ome u l /C t L on ife do sty le

Location

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What we call a major traffic jam in Smithville.

Brookside Phase 3 - Now selliNg New model home oPeN

l i V e T h e g o o d l i F e o N U P To 6 0’ l oT s i N w i N e Co U N T rY. It seems like small towns have become big towns. Big towns are small cities. What if you could have the best of both worlds, and live just minutes from everything, yet wake up to the sound of, well, nothing. We’re talking beautifully crafted homes surrounded by wine country and farmers’ markets. Instead of traffic jams you’ll have conservation areas, bike trails and homemade pies just a hop, skip and a jump away. Starting to sound pretty good isn’t it?

BURLINGTON HAMILTON

GRIMBSY SMITHVILLE

NIAGARA

what you can expect from a Phelps crafted home. Since 1975 Phelps Homes has been crafting homes that have earned it a solid reputation. These new neighbourhoods feature craftsman style design with large front porches, stone and brick accents, large open concept living spaces, 9 foot ceilings, and beautiful designer kitchens. Visit all three of our finely crafted communities in Smithville.

Phase 3 - Now selliNg

deTaChed aNd BUNgalow TowNhomes oN UP To 50’ loTs Detached bungalows starting in the low $300s Bungalow townhomes starting in the mid $200s 905.957.1777

Prices and specifications are subject to change without notice. E.&O.E.

BUNgalows aNd Two-sToreY homes oN 50’ & 60’ loTs Bungalows starting in the low $300s Two-storeys starting in the $300s 905.945.6978

deTaChed aNd semi-deTaChed homes oN 40’ & 50’ loTs Detached homes starting in the low $300s Semi-detached homes starting in the mid $200s 905.945.6970

PhelpsHomes.com dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 37

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inthenews

Hundreds tour

Summit Park models

Village and a true show stopper. weekend. The launch of seven fabulous model “Bellagio Village is our most recent addition to homes in Hamilton’s most successful new home Summit Park,” says Aldo DeSantis, president of community has been the buzz for weeks. Multi-Area Developments. “These seven new model However, no one expected the floodgates to open homes offer something for every taste, with each like they did. featuring the Multi-Area standard of excellence.” More than 700 people lined up to tour one of The Summit Park community is the proud the largest and most lavish collections of fur- recipient of not only “Project of the Year,” but also nished and decorated model homes by a single “Community of the Year,” attesting to its outstandbuilder in Hamilton. ing combination of quality workmanship, value Bellagio Village is a stunning new neighbour- and lifestyle. hood within Summit Park and debuted its De“We are delighted to bring this exciting new signer Collection of “never-before-seen” floorplans model home collection to Hamilton homebuyers,” last weekend. As visitors streamed from one says DeSantis. “Our interior design team has model to the next, one word continued to resonate themed each model individually. We’re showcasthe entire weekend. “Wow!” “Wow!” “Wow!” could ing different styles and colour palettes to appeal be heard over and over again. to a wide range of family lifestyles.” One couple stated, “We’ve owned six homes First established in 2005, Summit Park is built by Aldo DeSantis over the years, and just situated on the magnificent Niagara Escarpment live down the street here at Summit Park. One across from 270 acres of prime conservation land. look at the new Florentine and it was love at This passive park with its natural beauty and first sight. We purchased it on the spot!” The miles of quiet trails offers one of the most extenFlorentine is the new flagship model at Bellagio sive walking and cycling trail systems in the

Aldo DeSantis anticipated a busy

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region. It is also perfectly placed within easy access of a choice of schools and places of worship, libraries, community recreation and sports facilities. Several commercial areas offering a broad range of retail, dining and entertainment are just moments away. Bellagio Village residents will also enjoy a new park to be built in 2013, just in time for new homeowners to enjoy. Each of the model homes has been exquisitely finished and decorated to appeal to a wide range of tastes and lifestyles. “Today’s homebuyers are diverse in so many ways,” says master builder Aldo DeSantis. “Presenting this large number of models allows us to showcase an extensive variety of sizes, styles and price points.” The new Bellagio Village continues to be the talk of the town. Not surprisingly, homes are selling quickly as enthusiastic buyers now have the chance to see and touch the long list of outstanding appointments and finishes that raise new home design to a whole new level. This is a rare opportunity to experience a true luxury lifestyle combined with great value from multiaward winning builder Aldo DeSantis. The sales presentation centre and model homes are located at 33 Fletcher Rd. just off Rymal, or visit multi-area.com for more information.

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40 NEW HOME & CONDO GUIDE SWO | DEC 8, 2012 - JAN 19, 2013

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ANCASTER’S PRIME LOCATION PRECON S T R U C T IO N P R IC ING

C U S T O M B U N G A L O W, B U N G A L O F T & 2-STOREY HOME DESIGNS ON 42’ & 50’ LOTS F ROM THE

390s

Gracious design, Grand location. Evergreens on Southcote. Fifty-seven homes are only minutes from olde Ancaster and its shops and boutiques, while new adventures in the city or country await. Designed for you, your family, your life – everything you’ll ever need.

403

905 304 6099

The Effort Trust Company, Brokerage Jackie Frame, Sales Representative Maureen Hall, Sales Representative Darlene McCauley, Broker

Untitled-1 1

SALES OFFICE HOURS MON TO THURS 1PM TO 6PM, SAT & SUN NOON TO 5PM FRIDAY BY APPOINTMENT

dawnvictoriahomes.com

SOUTHCOTE RD

ANCASTER

GARNER RD E

11/30/12 12/6/12 3:30:50 3:28:10PM PM

ALWAYS HOME.

EXPERIENCE COMMUNITY

LIKE NEVER BEFORE MONARCHGROUP.NET

SuMMER caLM · eLevatiOn a

A FRESH NEW CROP FuLL OF SELEcTiON. 43' and 50' singles • Up to 3,677 sq. ft. with superior features and finishes including hardwood on main level, coffered and vaulted ceiling, gourmet kitchens, luxurious ensuites and more • Priced from the high $500,000’s

TW0–STOREY TOWNHOMES

CALEDON 5 designer decorated ModeL HoMes to VieW PrEsENtAtiON CENtrE: 12515 Kennedy Road, Caledon 905.843.0707

Two-sTorey Townhomes only a Few remain • open concept, two-storey townhomes, up to 1,954* sq. ft. with 9' ceilings on main level, extended upper cabinets, oak staircases, gas fireplaces and more • Priced from the low $400,000’s

CELEBrAtE 95 YEArs WitH Us.

Like us on:

twitter@monarch_group facebook/monarchcorp

monaRChgRoup.net Prices, specifications and promos are subject to change without notice, and promotions are applicable for a limited time only to select lots. Renderings are artist’s concept and images are for mood and impression only. *Includes finished space in lower level. The ENERGY STAR® trade symbol does not imply certification of this organization or its products. The ENERGY STAR® registered mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E.&O.E. December 2012. 20000.

MONH 20000 TW SF NH&C SWO DPS Nov 12.indd 1-2 C_Spread Untitled-1 12-07-12.indd 1 2

12/6/12 3:26:58 PM

MONARCH COMMuNitiES.

MONaRcH, caNada’S OLdEST aNd MOST ExPERiENcEd buiLdER.

ONLY 6 homes remain. • Convenient living with spacious designs surrounded by open space, ranging from 2,307* to 2,755* sq. ft. • Live on the cusp of nature and Bronte Provincial Park in one of Oakville’s most prestigious and desirable neighbourhoods • Discover luxurious features and finishes that elevate your lifestyle

ExEcuTivE TOWNHOMES

Richview Blvd.

Bronte Rd.

PRESENTATION CENTRE

Valleyridge Dr.

Hwy. 5 (Dundas) Col. William Pkwy.

PRESENTaTiON cENTRE 2492 Gateshead Common, off of Colonel William Pkwy. and Dundas St., Oakville 416.495.3563

• From the high $500,000’s

Upper Middle Rd.

AsK ABOUt OUr sPECiAL 95 YEAr BONUs PACKAGE.

Visit Us ON FACEBOOK AND 'LiKE' OUr PAGE AND MONArCH WiLL DONAtE A DOLLAr tO A CHAritY OF YOUr CHOiCE. Prices, specifications and promos are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Extras noted above are as per plan and as specified by Vendor. Some restrictions may apply. Extras to be chosen at Monarch’s Home Design Studio. Other promotional offers do not apply. Offer is valid for limited time only. Select low-rise communities and locations. Please see sales representative for full details. E.&O.E. December 2012. 20000.

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2012 EDITION FREE

YOUR FIRST

HOME&CONDO THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME

WHAT YOU NEED TO KNOW ABOUT

MORTGAGES

SPECIALION: CONDO SECT

N URBA LIVING

CONDO IN THE CITY OR LOWRISE IN THE SUBURBS:

what are your

options?

THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME For your free copy call 416.626.4889 or email antoinette.jackson@wall2wallmdia.com

SPECIAL EDITION

YFH Cover FEB2012_FEB14.indd 1

C_Spread Untitled-1 12-08-12.indd 1 1

2/7/12 6:33:05 PM

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

12/6/12 3:27:53 PM

CS2_CityLiving_NHC Ad_Dec3.pdf

04/12/12

9:53 AM

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communityfocus

ROSEHAVEN HOMES

is very excited about 2013

osehaven Homes continues to build success upon success. Following the company’s sensational 20th anniversary launch of its luxury Rosehaven Platinum Homes line, 2013 is lining up to be one of the company’s busiest ever with new projects all around the Greater Toronto Area. Buyers should keep informed by visiting rosehavenhomes.com

tiFFANy LAStS FOREVER… But pHASE 1 wON’t! Ancaster’s No. 1 seller, Tiffany is a jewel of a community. In fact, Phase 1 is almost entirely sold out so hurry in to discover your perfect home in this quiet upscale neighbourhood of elegant detached homes with extra deep lots, pond, proposed school, parks and easy access to highways. You’ll find an incredible range of luxurious detached home designs to choose from on 45-ft. lots. Prices start from the $370’s. And if you miss out on Phase 1, don’t worry. Register now

LOCAtiONS Ancaster, Chippawa, Thorold HOuSiNg typE Ancaster, detached homes on 45-ft. lots; Chippawa, 50-ft. singles and freehold bungalow-loft towns; Thorold, 30-ft. attached singles, semis, freehold towns and detached homes on 36-, 40- and 45-ft. lots CONtACt Tiffany Hill, Ancaster tiffanyhill. ca; Lyon’s Creek, Chippawa, rosehavenhomes.com; Gibson Heights, Thorold, rosehavenhomes.com

46 NEw HOME & CONdO guidE SwO | dec 8, 2012 - jan 19, 2013

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ROSEHAVEN HOMES

Multi-site

2013 is lining up to be one of the company’s busiest ever with new projects all around the Greater Toronto Area for Phase 2 of this popular community coming in 2013 at tiffanyhill.ca Construction has Begun at Lyon’s Creek in Chippawa! In historic Chippawa, close to Niagara and the Falls, construction is underway at Lyon’s Creek community where Rosehaven Homes is offering stunning new home designs including 50-ft. singles and freehold bungalow-loft towns. Homebuyers looking for something entirely charming, comfortable and easy to maintain love the bungalow-loft towns and Lyon’s Creek has recently launched brand new

designs up to an expansive 2,500 sq. ft. Homes here are truly grand, with features like covered porches and balconies, coffered and vaulted ceilings, large master suites with walk-in closets, gourmet kitchens with breakfast bars and islands, soaring nine-ft. main floor ceilings, eight-ft. front entry doors and elegant gas fireplaces. To visit the presentation centre at 4210 Lyon’s Creek Rd., take the QEW to Lyon’s Creek Rd., then east on Lyon’s Creek to Sodom Rd. Live big with new detached home release in Thorold At Gibson Heights in Thorold, Rosehaven Homes has just introduced a new release of big beautiful 36-, 40- and 45-ft. detached homes with all the features you’re looking for and large lots for your family to spread out in! This historic Old Ontario community has been such a success because families get a perfect combination of space, style, charm and an appealing price, all in a welcoming neighbourhood minutes from St. Catharines and Niagara Falls. Gibson Heights offers a great selection of 30-ft. attached singles, semis and freehold towns available from the $240’s as well as a few Inventory detached homes remaining on 36- and 40-ft. lots with quick closings from the $300’s. Visit models on Winterberry Blvd. at the crossroads of Richmond St. and Confederation Ave. in Thorold. For more information, visit rosehavenhomes.com New phase launching at Waterdown Meadows in 2013 Phase 2 at Waterdown Meadows is coming in spring 2013 with more of the style, designs and convenience that made Phase One such a huge success. Live in a perfect parkside setting with easy access to the QEW and Hwys. 403 and 407. Visit waterdownmeadows.com dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 47

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From your very first impression and for generations to come, a Rosehaven home is designed to be superbly built, welcoming and warm. So choose Rosehaven and every time you step through the front door, you’ll say, I am happy, I am comfortable…

™

Chippawa / NiaGaRa

thoRold - New detaChed Release!

Lyon’s Creek - ConstruCtion has started!

giBson heights - quiCk CLosings! modeL home inventory reLease

new 35’ Bungalow Loft towns & 50’ singles from the low $300’s. Lyon’s Creek Blvd. & Sodom Rd. East of the QEW GPS: 43.052151, -79.059526

towns, semis & attached singles from the $240’s. Plus 45’, 40’ & 36’ lots from $300’s. Richmond St. & Winterberry Blvd., South of Hwy. 58 GPS: 43.1174,-79.228127

CONNECT

Celebrating

rosehaven homes @thisisrosehaven

Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands except for mortgage P & I and Kleinburg pricing.

48 NEW HOME & CONDO GUIDE SWO | DEC 8, 2012 - JAN 19, 2013

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YEARS

aNCasteR

tiffany hiLL - 3 inventory homes!

Luxury stone, stucco & brick detached homes on 45’ & 36’ lots with 4 models from the $370’s. Garner Rd. E. & Raymond Rd. East of Hwy. 6 GPS: 43.212292,-79.93524

Call the rosehaven hotline for hours and community information

(1-888 / 416) 410-0175 rosehavenhomes.com gPs coordinates for sales office/model home location actual photo from rosehaven’s Windfields design in king Country estates.

12/5/12 4:21:35 PM

dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 49

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communityfocus

Find your dream family home AT MOUNTAINVIEW’S FERNWOOD ESTATES

magine a home nestled near lush greenspace, minutes from Niagara’s picturesque falls, close to schools, shopping, community centres and crafted by Niagara’s premier home builder... It sounds like a dream, but it’s simply a home at Mountainview Homes’ Fernwood Estates. Fernwood Estates is a family-oriented community that combines the serenity of rural Niagara Falls with the convenient amenities of urban Niagara Falls. Here you will choose from a selection of freehold townhomes starting at $202,900 and 40-, 45- and 50-ft. singles starting at $277,900, all offering Mountainview Homes’ signature quality craftsmanship and designs. Experience Fernwood Estates first-hand with a tour of the stunning Harper model home when visitors will discover all the features that make Mountainview Homes stand out from the rest. With an exterior that is charming and inviting, you’ll instantly fall in love with the architectural details and classic red brick look of this 3,014-sq.-ft. home. This four-bedroom, three-bathroom home has been decorated with elegant family living in mind inside and out, top to bottom. Once inside, the well thought-out design and quality finishes are abundant. Rich hardwood floors, bright windows

LOCATION Niagara Falls HOUSING TYPE Townhomes from $202,900, singles on 40-, 45- and 50-ft. lots from $277,900 CONTACT 905.371.0844 mountainview.com

and a large family living space invite you inside. The formal dining room is spacious, but offers an intimate feel creating the perfect place for dinner parties and family meals. In the living room the roaring gas fireplace and traditional mantle are the perfect place to enjoy cosy holiday evenings with the family.

50 NEW HOME & CONDO GUIDE SWO | DEC 8, 2012 - JAN 19, 2013

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MOUNTAINVIEW HOMES

Fernwood Estates

Experience Fernwood Estates ﬁrst-hand with a tour of the stunning Harper model home when visitors will discover all the features that make Mountainview Homes stand out from the rest

The large kitchen is as impressive as it is functional. The classic ivory cabinets paired with gleaming dark granite countertops create a stunning contrast, while remaining traditional. The blend of contemporary glass and stone backsplash and stainless steel appliances complement the classic kitchen perfectly. But it’s the large island, the bright window over the sink, the wellplanned layout, the walk-in pantry and the spaciousness that makes this kitchen family functional – a kitchen any family could enjoy for years to come. The main floor also features Mountainview’s signature Stop and Drop Family Organization Centre, a convenient powder room, mudroom and garage access. Upstairs you’ll find a large loft family room where the whole family can relax on movie night. There is also a convenient women-approved second-floor laundry, three spacious bedrooms and the master suite complete with luxurious ensuite, walk-in closet and sitting area – making it the perfect place to escape for some solitude. Visit the new model home at 5827 Fiddlehead Lane, Niagara Falls, and experience Fernwood Estates for yourself.

DEC 8, 2012 - JAN 19, 2013 | NEW HOME & CONDO GUIDE SWO 51

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Fall Edition Available Now!

ONTARIO’S

PREMIER

GUIDE

ADULT

LIFESTYLE

COMMUNITIES

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health tips for active adults HOW TO BRING

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Focused on resort and golf course communities for today’s active adults. AVAILABLE THROUGHOUT THE GREATER TORONTO AREA AND SOUTHWESTERN ONTARIO.

For your free copy call 416.626.4889 or email antoinette.jackson@wall2wallmedia.com

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FR E E

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homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license. LC_Cvr_Fall 2012_FIN.indd 1

9/10/12 6:00:17 PM

52 NEW HOME & CONDO GUIDE SWO | DEC 8, 2012 - JAN 19, 2013

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It's like getting up to

70% OFF! In Simcoe ...

In Mississauga you would pay...

Bungalow and 2-Storey SEMI-DETACHED AND SINGLES FROM ONLY

$543,990

$199,990!*

for a 1,962 sq.ft. SEMI-detached

LIMITED TIME OFFER! FREE appliances + $10,000 off the price!** Map not to scale

403 To Hamilton > HWY 6

ly Dr

Don Boswell St

To Port Dover >

Hours: Monday to Wednesday: 2 PM - 6 PM Saturday and Sunday: 12 PM - 5 PM

Blue Line Rd

Decorated Model located at: 52 Trillium Way, Simcoe, ON Donly Drive South from Highway 3 Phone: 519-428-1408

Ireland Rd

Donly Dr

s Cre

centre

il Tra ay dw

bud

24 Presentaion

o Wo

Trillium Way Red

Norfolk St < To Cambridge via 403

Minutes to Port Dover

Quaint Shops & Restaurants

Unbeatable Green Space

It's worth the drive to Simcoe!

www.eastforesthomes.com *Prices correct at press time. E. & O.E. Brokers protected. **Offer effective August 1, 2012. $10,000 Design Studio bonus promotion only available on new to be built home offers. Limited time offer. This promotion is not applicable with any other promotion with exception of our CORNER LOT promotion. See agent for details.

053-Eastforest Homes 12-08-12.indd 53

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inthenews

HHHBA helps raise $60K for the Dr. Bob Kemp Hospice 02

Members of the Hamilton-Halton Home Builders’

Association (HHHBA) helped raise $60,000 at the 8th annual Tinsel Tuxedos & Tapas fundraising event for the Dr. Bob Kemp Hospice. The event, sponsored by the HHHBA, was a huge success. Hosted at the Michelangelo Banquet Centre, more than 600 people were in attendance, including 20 of our own member companies. Guests started the evening with cocktails and the Little Luxuries Silent Auction, as well as an opening monologue from Mike Fortune. The evening continued with a delicious three-course dinner, followed by a live auction and a fabulous fashion show. Funds for this event were raised through ticket and table sales, silent and live auctions, Balloon Bust sales and many generous donations. The money raised will help ensure that the Dr. Bob Kemp Hospice can continue to provide support for families and dignified end of life care to individuals living with a life-threatening illness. More than 800 individuals and their families are provided with care and support from various programs such as the Day Hospice, Community Volunteer Visiting, and Bereavement Support Programs. Services at the Hospice are provided at no cost to the client, which means fundraising events such as this are crucial to continuing operations at this facility. The Dr. Bob Kemp Hospice is this year’s Presidents Charity of Choice. HHHBA president, Carla Agostino holds this organization close to heart after her cousin stayed there. “I could not believe how comforting they were, how kind they were,” says Agostino. “It has a home atmosphere and the staff were amazing. They did whatever they could to make us feel more comfortable. And, unfortunately, many of the volunteers have been through it themselves, so they understand.” 06 The HHHBA is proud to sponsor an inspiring organization such as the Dr. Bob Kemp Hospice. A big thank you to Diane Murray, the lead organizer and chairperson, and the rest of the hard working individuals on the committee that helped make this event possible. pictured

01 Dan Gabriele 02 Gabe DeSantis 03 Mario Borrelli 04 Paul Golini

05 Vince Molinaro 06 Mathieu Langelier

54 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

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inthenews

HHHBA celebrates 2011-12 President

Carla Agostino

The Hamilton-Halton Home Builders’ Association

and hundreds of supporters recently came out to celebrate the Associations’ 60th President, Carla Agostino at the President’s Gala. Carla was born and raised in the north end of Hamilton. She attended McMaster University where she earned a BA in Canadian politics and history, and furthered her education by obtaining a business degree from Brock University. Upon graduation, Carla began working at Union Gas with the builder group, where she moved to outside sales and advanced rapidly and with great success. Now, and for the last 23 years, Carla works with Reliance Home Comfort and thoroughly enjoys her job. She is also busy at home raising her two children, Alexander, 18 and Jacqueline, 16. Her work with the Hamilton-Halton Home Builders’ Association has been extensive. For the past 13 years, Carla has dedicated her time and energy to help make the Association what it is today. She has been active in countless committees and elected by members for five consecutive terms as a member of the board of directors. As president, Carla has had a very successful term. One of the greatest challenges she has overcome throughout the past year is working with local municipalities and the province to keep the cost of housing affordable. Carla has been fundamental in the filing of two Ontario Municipal Board (OMB) appeals regarding attempts to raise development charges in Hamilton and the Halton Region. Together with the association, she has made the presence of the HHHBA known in the industry and within local and provincial governments. Carla has helped ensure a bright future for the HHHBA and hopes for the association to continue growing in both strength and numbers. “Teamwork is key,” she says. “I don’t run the association by myself. It takes a lot of people and volunteers to overcome the challenges we face on a daily basis. If we continue to work together, I am confident the association will persevere and carry on making a positive difference in the home building industry.” As only the second woman to head the association in its 70-year history, Carla’s leadership will undoubtedly be an inspiration for years to come. The HHHBA and all its supporters are grateful to Carla for her efforts over the past 12 months and express gratitude for all of her time and energy.

01 2012 HHHBA President Carla Agostino addresses the crowd at the annual President’s Gala.

02 2012 HHHBA President, Carla Agostino with past president Frank Mercuri.

03 Carla and her two children, Jacqueline, 16, and Alexander, 18.

56 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

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Autumn Lea Developments Inc.

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cityfocus

Port Dover

Charming small town on the rise

ike many port towns and lakeside communities, Port Dover boasts a myriad of attractions – from beautiful scenery to sandy beaches to a multitude of festivals that attract Canadian and Amercian tourists alike. It is also rich with history – having been the site of an American raid during the War of 1812. Blessed with proximity to the city of Hamilton and direct access to Hwy. 403 for easy access to Toronto and other important destinations, Port Dover is in a great location for business, pleasure and just day-to-day living. Located in Norfolk County (population 62,563) on the north shores of Lake Erie, Port Dover has long been a favorite tourist destination. In addition to beautiful beaches and scenery, unique shops, the renowned Lighthouse Festival Theatre, great restaurant selections and charming B&Bs, Port Dover hosts a multitude of events throughout the year suitable for the entire family. From family fun in the sun to sophisticated dining and live theatre, Port Dover’s appeals are many, making it the fastest growing community in Norfolk County, with about 6,000 residents. During the summer months, Port Dover’s population more than doubles with the influx of vacationers enjoying boating, 58 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

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During the summer months, Port Doverâ&#x20AC;&#x2122;s population more than doubles with the influx of vacationers enjoying boating, cottages, trailer parks and other local attractions

Port Dover at a glance Population

6,000

Distance from Toronto

140 kilometres

Distance from hamilton

64 kilometres

Public and Catholic schools

Post-secondary

cottages, trailer parks and other local attractions. But also like many historic towns, building on tradition and natural amenities is important to creating a bright future. New residential construction and approved development plans in the town project that the community will continue this healthy growth through 2020. New support services, including a medical centre, are underway to meet the needs of this growing community. New-home builders active in the community include Dover Coast, with its Dover Coast Lifestyle Community. A downtown enhancement project underway is to comprise improvements ranging from landscaping along Main Street, to installing new historical-themed pedestrian street lighting, to replacing old or excavated sidewalk panels with decorative stamped and colourized concrete linear borders, to installing heritage street signage in the downtown area, to installing street furniture including litter and recycling receptacles and park benches. Families with young children will enjoy the variety of community school options in Port Dover, including Doverwood Public School, St. Ceciliaâ&#x20AC;&#x2122;s Catholic Elementary School and the Port Dover Composite School. And for post-secondary, Fanshawe College operates the James N. Allan Campus. dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 59

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LONDON

hot sheet

BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

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moneymatters

holiday shopping WITHOUT THE HANGOVER by GAIL VAZ-OXLADE

‘round, you’d be ready. After all, it’s way easier to set aside $100 a month than to come up with $1,200 all at once. This is how I do it, and come August I start keeping my eyes open for “deals” on things I know my friends and family will love. if You cAN’t do thAt, stArt here, with this “hoLidAY speNdiNg pLAN”: » Write down the amount you want to THE HOLIDAYS ARE JUST AROUND spend in each category of holiday exthe corner and only the most savvy of us penses. Gifts are only the beginning – have everything under control. That’s one don’t forget to account for travel costs, of the problems with our very busy lives… postage and shipping, decorating, greetthere’s just no time. ing cards, entertainment and photos. But if you want to have a happy » List the people you plan to shop for holiday that doesn’t leave you holding under the gift category, then divide up your aching head when the bills roll in your budget accordingly. Limit your come January, you have to start planning budget to what you can afford right early. The longer you wait, the more now and avoid a financial hangover in you’re prone to give in to stress, make the New Year. If you spend $500 on a impulse purchases, blow your budget or credit card at 18 per cent interest, and even buy a lame gift. pay the minimum each month, it will Look at your holiday spending as you take you seven years – and cost $365 would any other big-ticket item. While in interest – to pay it off. Consider you’re splitting the cost among a variety setting a dollar limit on gifts or drawing of expenses, the bottom line is still the names among extended family, roomsame – you’re spending a lot of money mates or co-workers. in a short period of time. » Jot down any gift ideas that you might In the best of all worlds, you would have for the people on your list. Comhave started saving for your holiday spendparison-shop online before heading to ing in January. Yes, you would have made the store. (Don’t forget to include shipit a budget item and set aside $10, $50, ping costs in your calculations if you $150 a month so when the season rolled decide to buy online.)

66 New home & coNdo guide swo | dec 8, 2012 - jan 19, 2013

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List the people you plan to shop for under the gift category, then divide up your budget accordingly. Limit your budget to what you can afford right now and avoid a financial hangover in the New Year

Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

A dash of planning and a dab of creativity can also help you keep your entertainment costs under control: » Invite guests to bring something to share at a potluck dinner. » Serve brunch, throw a finger-food party or host a wine and cheese tasting instead of a full-blown turkey dinner. » Co-host a party with a pal or sibling, and share the cost. » Make sure you set a dollar limit for your soirée. And list the items, ingredients and décor you’ll need and how much each will cost. » Remember, that the best gifts don’t have to cost money. If you’re financially challenged this year, offer up your time babysitting, cooking meals, house cleaning, massaging, sewing, knitting, transporting, or whatever else you’re good at. Clip a picture of the service you’ll provide and be clear on how often, as in “I’ll babysit one weekend a month from February to June.” Or better yet, make your own coupon book. There now, you don’t have to worry about starting the New Year with a financial hangover. Happy holidays!

dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 67

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makeyourmove

Make future holidays merrier BY PROPERLY PACKING SEASONAL DECORATIONS

DAN HOPKINS is Chief Operating Oﬃcer, Two Men and a Truck Canada. twomenandatruck.ca

by DAN HOPKINS HOLIDAY PREPARATIONS SUCH AS

tree trimming, present wrapping and hanging lights can help get us in the holiday spirit and are lots of fun. But thoughtful packing of seasonal decorations and materials at the end of the holidays for the next year can keep the fun in what is, for some, a stressful time. In other words, it pays to plan, even 12 months ahead. Careful packing and organization prevents damage and breakage, and ensures you can find everything next year.

HERE ARE SOME TIPS TO KEEP IN MIND WHILE PACKING AWAY HOLIDAY DECORATIONS: Delicate items ›› Wrap breakables in tissue or packing paper, or use bubble wrap. Do not use newspaper – the print may wear off on ornaments. And instead of throwing away used paper or junk mail, run it through a paper shredder – it makes great packing filler. ›› Boxes with dividers are best to pack ornaments in. They come with adjustable inserts that form individual cells for delicate items. ›› Keep extra hangers, hooks and ornament parts in a labeled bag or box. Lights ›› To prevent tangles, wrap lights around empty gift-wrap paper tubes. ›› Leave the plug accessible by taping the ends of the light strands to the end of the tube. Next year, you can quickly test the lights before unwinding them. ›› Store coloured lights in a dark place to prevent fading – especially blue, green and purple.

Wrapping paper ›› Hanging garment bags provide good storage for wrapping-paper rolls. Use outside pockets for gift tags, cards and tissue paper. ›› To protect used rolls of paper, cut an empty wrapping paper tube from end to end and slide it over the roll. ›› Ribbons and bows can be saved and reused. Pack these loosely so they keep their shape. Some other considerations ›› Wrap holiday candles individually in cellophane and store in a cool place so they don’t melt together. ›› Pack an “open first” box. Place the decorations you use first in here with essentials such as extension cords. ›› Use a “wardrobe box” to hang and store seasonal clothing that you only wear twice a year like that special snowman sweater from your motherin-law or that flashing Christmas tie. This way you can find it, wear it, and store it away on a hanger easily. ›› Take special care if you are storing your items in a damp area. Don’t store boxes near sources of heat and moisture. ›› Label every box. The more detailed the description, the easier it will be to find things next year. ›› Take a digital photo of special-care items like snow globes or wreaths, print them off on regular paper and tape the photo to the outside of the box as an easy description of what’s inside.

Careful packing and organization prevents damage and breakage, and ensures you can ﬁnd everything next year

68 NEW HOME & CONDO GUIDE SWO | DEC 8, 2012 - JAN 19, 2013

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themortgageminute

What’s all the fuss about a

‘ market correction’? by peter kinch

Pick up any newspaper today and no one

could blame you if you got a little worried about the state of the economy or the fear of a pending market correction in Canadian real estate. What if Greece defaults? What about the “fiscal cliff” in the US? Are Canadians taking on too much debt? Have mortgage rules gone too far? Is there a housing bubble about to burst? What if there is a market correction? The real question is, do Canadian homeowners or prospective buyers need to be concerned? Every time there is talk about a market correction in Canadian real estate, the tone is quite negative. But let’s take a closer look at that situation: rather than argue about whether we may have a market correction, let’s analyze what it really means to Canadians if there is one. First-time homebuyers: If you’re a first-time homebuyer, you have likely felt the pinch of the rising cost of housing, and the new mortgage rules certainly haven’t helped any either. So a slight market correction would be welcome news for you; you can still get into homeownership with only five per cent down, but since your maximum amortization is now limited to only 25 years, a drop in pricing is exactly what you’ll need to be able to get into this market. Conclusion: A market correction is a good thing for you.

your house so you can buy another, you may be concerned that the price of your current home is dropping. But let’s take a closer look at that: assume the value of the house you are selling drops by 10 per cent. Let’s also assume that you plan to buy another home (whether upsizing or downsizing). The key to remember in a downturn market is that the person selling their home to you is going through the exact same thing. In other words, if the value of your home dropped 10 per cent, so too did the value of the new home you are buying. Focus on what your bottom line “net” is, rather than what you thought or had hoped to sell your home for. Conclusion: in most cases, the net effect of a market correction is zero.

Current homeowner buying or selling – moving up or downsizing: It is very rare that someone buys something without selling something first, and vice versa. If you are a homeowner and you’re looking for the right time to sell

Real estate investor or second-home buyer: If you are buying real estate as an investment either for cash flow or as a second home, then this is the perfect market condition for you. When there are more

70 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

070-071 Kinch What's All The Fuss The Mortgage Minute_AY-WK.indd 70

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our home equity and net worth. Over the last decade, a significant amount of the net worth of Canadians has been tied up in their home equity, and this has provided the foundation for a lot of retirement plans – so there is obvious concern. But should there be? Again, let’s look at the facts. For the majority of Canadians, the plan is to stay in their current house for at least the next three to five years. So here’s a simple fact: equity is only gained or lost the day you sell. In other words, if the value of your house were to drop by 10 per cent tomorrow, you may feel anxiety over the drop in your net worth – but it would only be on paper unless you actually sold your house tomorrow. If you have no intention of selling soon and you can still afford your monthly payments, then all you need to do is sit and wait and go about your normal life until the market bounces back – which it has always done for the past 100 years. Conclusion: a market correction may very well have zero impact on you.

Bottom line: a lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to

In the end, the headlines will continue to talk of impending market corrections. The key for you is to decipher one of three things: 1. Is this a real concern for you? 2. Is this an opportunity? Or, 3. A m I just getting worked up about nothing? Bottom line: a lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to. Until next time, this is the Mortgage Minute.

sellers than buyers, you have more bargaining power. If you are able to negotiate a better deal and pay a little less for the property you are looking for, it simply makes the deal that much more affordable. Conclusion: you should be hoping for a market correction. Current homeowner with no plans to sell: The majority of Canadians fall into this category, and let’s be honest – the single biggest reason we worry about a housing correction is the fear that it will erode

peter kinch Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at peter@peterkinch.com

dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 71

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cALcuLAte YouR mortGaGe Payments Interest rate

amortIZatIon PerIod

cHart fIGure

eXAMPLe: 5%

25 YeARs

5.82

mortGaGe amount ÷ 1,000 (mortgage amouNt $125,000)

125

montHly Payment

follow tHese stePs to see If you’ll QualIfy for a mortGaGe on YouR DReAM HoMe

Calculate the combined monthly before-tax income of you and your spouse.

Multiply this figure by the amount you need to borrow. Divide by 1,000.

Divide by three. This figure is the monthly payment you can afford to make on your home.

Add to this your estimated monthly heating costs and monthly property taxes.

Take the total price of the home and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)

If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home. Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

76 New home & CoNdo guide swo | DeC 8, 2012 - jAN 19, 2013

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mortgage paYmeNt calculatIon cHart % inteRest RAtes

amortIZatIon PerIods 10 YeARs

15 YeARs

20 YeARs

25 YeARs

3.00%

9.65

6.90

5.54

4.73

3.25%

9.76

7.02

5.66

4.86

3.50%

9.88

7.14

5.79

4.99

3.75%

9.99

7.26

5.91

5.13

4.00%

10.11

7.38

6.04

5.26

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

4.75%

10.46

7.75

6.44

5.67

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.50%

10.82

8.14

6.85

6.10

5.75%

10.94

8.27

6.98

6.25

6.00%

11.07

8.40

7.12

6.40

6.25%

11.19

8.53

7.26

6.55

6.50%

11.31

8.66

7.41

6.70

6.75%

11.43

8.80

7.55

6.85

7.00%

11.56

8.93

7.69

7.00

7.25%

11.68

9.07

7.84

7.16

7.50%

11.81

9.21

7.99

7.32

7.75%

11.94

9.34

8.14

7.47

8.00%

12.06

9.48

8.28

7.63

8.25%

12.19

9.62

8.44

7.79

8.50%

12.32

9.76

8.59

7.95

8.75%

12.45

9.90

8.74

8.12

9.00%

12.58

10.05

8.86

8.28

9.25%

12.71

10.19

9.05

8.45

9.50%

12.84

10.33

9.20

8.62

9.75%

12.97

10.48

9.36

8.78

10.00%

13.10

10.63

9.52

8.95

10.25%

13.24

10.77

9.68

9.12

10.50%

13.37

10.92

9.84

9.29

10.75%

13.50

11.06

10.00

9.46

11.00%

13.64

11.22

10.16

9.63

11.25%

13.77

11.36

10.32

9.80

11.50%

13.91

11.52

10.49

9.97

11.75%

14.04

11.66

10.65

10.15

12.00%

14.18

11.82

10.81

10.32

12.25%

14.32

11.97

10.98

10.49

12.50%

14.46

12.13

11.15

10.67

12.75%

14.59

12.28

11.31

10.85

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 DeC 8, 2012 - jAN 19, 2013 | New home & CoNdo guide swo 77

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Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

5 years

ATB Financial 3

4 6.30op

3.1 6.30op

3.14 3.7 4.39 6.50op

3.69

Alterna Svgs/Alterna Bk 3

4 6.30op

3.05 3.09 3.09 3.29 6.30op

3.24

Bank of Montreal 3.1

4 6.30op

3.1 3.14 3.7 4.64 6.30op

3.09

Bank of Nova Scotia 3

4.55 6.45op

3.65 3.89 2.79 4.39 6.50op

3.99

Canadian Western Bank

4 6.45op

3.1 3.14 3.7 4.64 6.30op

5.24

CIBC 3.2 6.70op

3 3.14 3.5 4.39 6.35op

5.24

HSBC Bank Canada 3

2.7 3.95 2.98 4.99 6.35op

3.49

3.05

3.15

3.65

3.64

3.69

3.44

3.25

3.09

3.09 3.14 3.7 3.64 6.30op

3.79

3 3.1 3.15 3.15 4.00op

2.95

MonCana Bank

2.94

3.04

3.09

n/a National Bank

3.1 3.14 3.7 4.64 6.30op

3.99

ICICI Bank Canada ING Direct

Laurentian Bank n/a

4.45 6.20op

4.4 6.70op

Manulife Bank 3 4.45

Presidentâ&#x20AC;&#x2122;s Choice Finan

4 6.70op

3.2

Royal Bank 3.2

4 6.30op

2.94

3.2

2.99

3.35

3.44

3.1 3.14 2.99 4.64 6.30op

3.24

5.24

TD Canada Trust 3.2 3 3.14 3.7 3.49 5.24 6.30op TRUST COMPANIES AGF Trust

n/a

2.99

3.1

3.5

3.64

3.19

Community Trust

n/a

4.45

3.1

3.35

3.95

4.64

5.24

Effort Trust n/a

4.45 6.30op

3.45 3.8 4 4.6 6.30op

5.1

Home Trust Company

3.95

2.99

3.25

3.09

n/a Investors Group Trust

3.2

4 6.50op

3.1 3.14 3.7 4.64 6.30op

3.1

3.19

5.24

MTCC 3

4.55 6.45op

3.65 3.89 2.79 4.39 6.50op

3.99

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. 4

2.99 3.25 3.29 3.09 3.49 6.25op

Comtech Credit Union 2.79

6.6 8.40op

2.99 3.25 3.29 3.19 9.00op

3.29

First National Fin. LP

3.95

2.74

3.15

3.09

2.79 FirstOntario C.U. 6.34op

3.09 3.19 3.24 3.29 6.34op

3.24

London Life n/a

3.1 3.14 3.7 4.64 6.30op

5.24

MCAP 2.9

3.6 3.95 4.35 4.89 6.30op

5.24

Meridian Credit Union 2.85 4.45

3.1 3.14 3.7 3.4 6.30op

3.28

Parama Credit Union

2.9

3.1

3.15

3.25

3.5

Steinbach Credit Union

2.5

2.6

2.8

2.9

3.1

3.19 6.50op

3.35

3.65

3.39

3.49

Teachers Credit Union 4

4 6.50op

4.45 6.30op

2.69

2.89

Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Dec. 03, 2012. Prepared By Fiscal Agents Financial Information Services 905.844.7700

78 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

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hotdates

dec. 8 - 9

1812 Traditional Christmas Dinner 493 REGENT ST. NIAGARA-ON-THE-LAKE

Dec. 8 to Jan. 19 Calendar of events beginning from Dec. 8, 2012 to Jan. 19, 2013

A five-course meal paired with wines held at the Niagara-on-the-Lake Museum. Guests are invited to dress in 1812 dress. Friday night wine and cheese reception at the winery included. Maximum 80 guests. atasteofniagara.ca

dec. 8 - 30

Wineries of Niagara-onthe-Lake Stocking Days of Christmas 2012 ALL 28 WINERIES OF NIAGARA-ON-THE-LAKE

Enjoy access to the perfect gifts for the wine lover on your list. While you sip and shop, stock up your cellar for the holidays with unique vintages available only in wine country. wineriesofniagaraonthelake.com

DEC. 8 - 30

Miracle On 34th Street, The Musical THE GRAND THEATRE 471 RICHMOND ST.. LONDON

Kris Kringle takes on the cynics among us in this musical adaptation of the popular holiday favourite. Filled with humour and spectacle, Miracle on 34th Street is a joyful treat for families. grandtheatre.com

dec. 27 - jan. 13

Winter Whimsy HAMILTON CHILDREN'S MUSEUM, 1072 MAIN ST. E. HAMILTON

Beat the winter blahs, join us for a beach party in December. Bask under the palm tree, nibble on fruity treats and create spectacular beach themed crafts. hamilton.ca

dec 8, 2012 - jan 19, 2013 | New home & condo guide SWO 79

079 Hot Dates_JY-WK.indd 79

12/6/12 10:30:14 AM

advertiserindex Bayview Wellington: Victoria Village

losani Homes: Multi-site

Bayview Wellington: Niagara-on-the-Green

menkes developments: Millstone on the Park

branthaven Homes: Multi-site

12 & 13

Monarch Corporation: Corporate

6 55 42 & 43

brookfield Homes: Grand Valley Trails

Mountainview Homes: Thundering Waters

Claysam Homes: Multi-site

Multi-area developments: Summit Park

new Horizon: City Square

dawn victoria Homes: Evergreens

Phelps homes: Multi-site

dunsire developments: Mill Creek Village

reidâ&#x20AC;&#x2122;s heritage: Westminster Woods, Highland Hills

eastforest Homes: Woodway Trails

reliance home comfort

rosehaven homes: Multi-site

silvestri invest./Autumn lea: Silverwood Manor

spallacci homes: Eden Park

country green Homes: West Bloom

Empire Communities: Corporate fusion Homes: Vista Hills Great gulf: Rolling Meadows

2&3 23 82 & 83

Haastown holdings: The Grand

Terra view homes: Edgewater Estates

Homes by DeSantis: Lincoln Square

Tillsonburg developments: Baldwin Place

lhba lifestyle home show

vanmar constructors: V2

80 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

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12/6/12 2:03:56 PM

fundamentallyspeaking

Long-term view of your new-home buy PRODUCES A BRIGHTER PICTURE

WAYNE KARL is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

by WAYNE KARL

Remember, when you buy a home, you don’t buy a national market

IT’S EARLY-DECEMBER, THE HOLIDAY SEASON

approaches and we’re nearing the end of 2012. It’s a natural checkpoint to assess how Canada’s economy, industries, real estate market and other sectors have performed this year, and what may lie ahead in 2013. Various housing agencies, realty fi rms, major banks and other stakeholders continue to release reports, reviews and forecasts of the months passed and those about to unfold. Meanwhile, there’s interest rates and prices of consumer goods to monitor, some sectors face challenging conditions and there’s still some concern about overall Canadian and global economic performance. How to make sense of it all? Welcome to the first steps of becoming a homebuyer. Long before you visit your banker or start attending grand openings, model previews or open houses, experts say you should undertake a thorough self-education process that involves learning the basics of mortgages, reviewing your personal finances and researching your prospective home

market. It’s time well spent, for all of this due diligence will prepare you for one of the most important steps you’ll ever take, and will help you make the necessary decisions from an informed and confident point of view. Managing this process also includes keeping abreast of financial news, as well as any developments in your job security and credit-worthiness, and in the neighbourhood you’re considering buying in. Remember, when you buy a home, you don’t buy a national market. You don’t even buy a provincial, regional or even metropolitan one. You buy one property on one street in a particular area of a city or town. What happens in one neighbourhood may be completely different from what’s going on in another in the same city, or from one street to the next, and certainly from house to house. What’s challenging to one market might be a cause for growth in another. That’s why it’s important to not be overly concerned or excited by national trends and averages – be they positive or negative, disconcerting or glowing, about employment, home prices, housing starts or other important factors. Yes, pay attention to them all and file them as part of your research, but it’s more relevant to watch local developments that truly affect you and your market. Experts suggest you take a long-term view – five to seven years – of your home-buying decision. This will likely produce a brighter and more stable picture than anything caused by short-term vacillations. DEC 8, 2012 - JAN 19, 2013 | NEW HOME & CONDO GUIDE SWO 81

081 FS Long-term view_JY-WK.indd 81

12/5/12 2:34:59 PM

Thorold

Save $25,000

ROLLING MEADOWS

great gulf homes in thorold niagara

rolling meadows

the Brock Sq.Ft: 1,845

Current PriCe:

DetaCheD homeS 42 Ft. LotS

332990

sale Price: 990 $

307

the niagara Sq.Ft: 2,015

current Price:

337990

sale Price:

312990

the escarpment current Price: Sq.Ft: 2,165

344990

sale Price:

319990

the erie Sq.Ft: 2,305

current Price:

352990

sale Price:

327990

from $307,990

1,845 -2,305 sq.ft.

close in 120 days viSit our PreSentation Centre 1 Sunset Way off Barker Parkway and Hwy. 58 • Sales Office & Model Home Hours: Mon-Wed 2pm - 7pm • Thur & Fri Closed • Sat & Sun 12pm - 5pm • 905.680.0841 • Model homes close 30 minutes prior to sales centre • GREATGULF.COM

*Linked below grade. Prices and specifications subject to change without notice. E.& O.E. illustration is artist’s impression. All square footages are approximate. Actual usable space varies from stated floor area.

82 New home & condo guide SWO | dec 8, 2012 - jan 19, 2013

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12-11-21 4:38 PM 12/5/12 2:32:58 PM

MODEL HOMES Up to NOW OPEN $15,000 42’ AND 50’ LOTS 1,845 – 3,095 SQ. FT. FROM $321,990

Opt. Covered Deck with skylights Opt. Covered Deck with skylights

Opt. Covered Deck with Skylights Opt. Covered Deck with Skylights

Patio Door

Up Up

Breakfast 11'9" x 10'0" Breakfast 11'9" x 10'0"

Desk

Breakfast bar

Kitchen 13'11" x 8'8" Kitchen 13'11" x 8'8"S

F P

W W

Laundry Laundry

Opt. Uppers

D D

Up Up Railing Railing Ledge Dn

Dining/Living 10'0" x 17'0" Dining/Living 10'0" x 17'0"

Ensuite Ensuite

Dn Dn

Railing Railing

Bedroom 4 9'0" x 10'4" Bedroom 4 9'0" x 10'4"

Ledge

Door only if grading Permits additional Stepsif may be required Door only grading Permits additional Steps may be required

Tiled ledge Opt. Linen closets Opt. Linen closets

Standard 4'x4' Skylight above Standard 4'x4' Skylight above 8'x8' ceiling 8'x8' opening ceiling opening

Tiled ledge

W.I.C.

Master Bedroom 15'6"(21'0") x 12'2" Master Bedroom 15'6"(21'0") x 12'2"

Family Room 18'1" x 12'0" Family Room 18'1" x 12'0"

Oval tub Oval tub

W.I.C.

Opt. Skylights

Breakfast bar

Opt. 2-Sided Gas Fireplace Opt. 2-Sided Gas Fireplace

Opt. Skylights

Opt. Uppers

1 4:38 PM

in upgrades*

Sloped Up Sloped Up

8. Bath 2 Bath 2

Lin W.I.C.

Door only If grading Permits Door only If grading Permits

Lin

W.I.C. W.I.C.

W.I.C.

Garage 18'3" x 22'2" Garage 18'3" x 22'2"

W.I.C.

Bedroom 2 14'7" x 10'6"(11'4") Bedroom 2 14'7" x 10'6"(11'4")

W.I.C.

PWD

Foyer

Bedroom 3 12'0" x 11'0" Bedroom 3 12'0" x 11'0"

PWD

Foyer

Raised Ceiling

Covered Porch Covered Porch

Ground Floor Elevation ‘A’ Ground Floor Elevation ‘A’

Second Floor Elevation ‘A’ Second Floor Elevation ‘A’ W.I.C.

LIN W.I.C.

Foyer CL

PWD

Beautiful light filled homes Oversized windows Breakfast areas Gourmet kitchens Two car garage Spacious family rooms Large ensuites Standard skylights Unfinished Basement

Unfinished Basement

Furn

Alt. Sump

Furn

Standard 3 pc rough-in HWT Standard 3 pc rough-in

Alt. Sump

Furn HWT Standard 3 pc rough-in HWT Standard 3 pc rough-in

Unexcavated

Sump

Unexcavated

Optional Cold Storage Low Headroom

Basement Elevation ‘B’ Basement Elevation ‘B’

Bedroom 2 14'7" x 10'6" Bedroom 2 14'7" x 10'6"

SALES OFFICE & MODEL HOME HOURS Raised Ceiling

Ground Floor Elevation ‘B’ Ground Floor Elevation ‘B’

QEW

Bea verd ams

Sump

Basement Elevation ‘A’ Basement Elevation ‘A’

Furn

Alt. Sump

HWT

W.I.C.

LIN

Raised Ceiling

HWY. 58

1. 2. 3. 4. 5. 6. 7. 8.

CL CoveredCL Porch Covered Porch

Bedroom 3 12'0" x 11'0"

W.I.C.

HWY. 406

42' FEATURES

W.I.C.

PWD CL

HWY. 20

Optional Cold Storage Low Headroom

QEW

Foyer

Bedroom 3 12'0" x 11'0"

W.I.C.

Rd.

Second Floor Elevation ‘B’ Second Floor Elevation ‘B’

Mon-Wed 2pm-7pm Thur & Fri ClosedThe Erie Sat & Sun 2,300 sq. ft. 12pm-5pm 905.680.0841

Optional Cold Storage Low Headroom

*$10,000 in upgrades on 42’ lots and $15,000 on 50’ lots. See sales representative for details. Prices, sizes and specifications subject to change without notice. E. & O.E. Illustration is artist’s impression.

GREATGULF.COM /THOROLD

12-10-09 3:52 PM 082-083-Great Gulf Homes 10-13-13.indd 83

12/5/12 2:32:59 PM

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12/5/12 2:13:42 PM