Dec. 2, 2012 Issue 61

P R E S E N T E D B Y T H E G O L F I T E A M

December 2, 2012 - Vol 46

Rob GolfiSales RepresentativeRob GolfiSales Representative

HOME EVALUATION NO COST • NO OBLIGATION

905-575-7700 • 905-945-0188

Season’s Greetingsfrom the Golfi Team

Page 2 The Golfi Team Real Estate Market Watch December 2, 2012

www.GolfiTeam.com

Since the inception ofhis career in 1997,Rob Golfi has

recognized that understandinghis clients’ needs is essential toproviding excellent service.

As business grew, Robassembled the Golfi Team in aneffort to maintain the samelevel of professionalism clientshave come to expect. Shortlythereafter in 2003, the teamreceived the prestigious honourof being among the top 100Real Estate Teams forRE/MAX Canada, and thisstatus continues to date.

Rob’s experience andaggressive negotiating skillshave earned him every majorhonour awarded by RE/MAX,including President’s Club,100% Club, Platinum Club,Chairman’s Club, Hall of Famein 2003, the Lifetime Achieve -ment Award in 2006, hisSRES® designation in 2009 andthe Diamond Club Award in2010. Having worked with

many of the industry’sprofessionals over the years, hehas the necessary edge to bestnegotiate the sale of your home.

Any agent can list yourhouse, but Rob’s knowledge,extensive marketingbackground and dedicationgives clients peace of mindwhen dealing with the singlemost important investment intheir lives. With years ofcombined experience, the GolfiTeam can provide your homewith a level of exposure thatmost agents cannot. Utilizing ateam approach also means thatthey will likely find a purchaserto buy your home sooner, ratherthan waiting for other agents toapproach you with potentialbuyers.

Ranked in the top 5 of nearly2,000 sales agents in theHamilton-Burlington and Niagaraareas, listing with Rob and theGolfi Team is the right choicewhen choosing someone torepresent your best interest. -Å

About Rob Golfi

The Solution

Fill in the grid above, so that each row of

9 squares, each column of nine and each

section of nine (three squares by three)

contains the numbers 1 through 9 in any

order. There is only one solution for the

puzzle and the numbers shown can

NOT be changed.

4 87 6 2 4

4 8 59 3 2 1 5

3 1 927 9 6 4 1

5 3 62 8 3 6

9 7

SUDOKUSUDOKU

435678 291

876195 324

192486 573

689324 157

314859 762

257963 418

741532 689

528741 93

963217 845

6

Should I list my houseover Christmas?

Tis the season to be jolly...but isit the season to sell property?One of the most sought after

house selling tips is “when is the besttime to sell my property?” and when itcomes to discussing Christmas, opinionsare divided. This is because there are bothadvantages and disadvantages to sellingyour property over the holidays.

One major practicality issue is thefact that many people choose theChristmas break to go on vacation. Anobvious consequence of this would be areduction in the number of potential buy-ers, but don’t overlook the possibility thatyour real estate agent might be takingsome time off too! It is important toensure that you have all your resourcesavailable to you if you plan to sell yourhouse during this period.

The buyers who do continue to scoutthe market over the holidays may be sus-picious of your house-selling motiva-tions, wondering why you are devotingyour time to getting rid of the propertyrather than opting to relax with your fam-ily. They might assume that you are in adesperate situation and need to sell yourhouse quickly to relieve yourself of afinancial debt or because you havealready bought another home. If theybelieve that you are impatient to sell,buyers are more likely to make offerslower than the asking price with the resultof either diminishing your profits orneedlessly dragging out negotiationsuntil you are satisfied.

However, others may argue that sell-ing your property during Christmas canactually attract a better price for yourhouse. During the holidays, the numberof houses on the market decreases, reduc-ing competition between sellers andincreasing competition between buyers.As buyers bid to secure your home forthemselves, they may end up offering farmore than you originally asked. Peoplewho seek properties during the holidaymonths are usually fairly serious about

purchasing and it is likely that you willmake a quick sale as most buyers wouldwant to have moved in and settled beforethe new year.

Christmas can also enhance theattractiveness of a property, not onlybecause the first month of summer willprovide a bright, sunny setting for yourhouse but also because the festive seasoncan make your home seem even moreinviting. You can use this to your advan-tage by using some simple staging tips toguide your Christmas decorating efforts.

Choose tasteful decorations and usethem sparingly. In preparing your homefor sale, you have probably removed a lotof clutter and you don’t want to undo allyour hard work by replacing it with anexcess of decorations. You are aiming tocapture the holiday spirit whilst givingthe illusion that your home is larger andmore spacious than it really is.

As such, try and replace your usualhuman-sized Christmas tree with some-thing smaller, perhaps a table-top treewhich can double as a centrepiece on thesideboard. If you are an avid fan of ban-ners, try opting for a more natural themeby using evergreen garlands instead.Pack away any presents which may belaying around or restrict them to one cor-ner in an attractive arrangement (tryusing groupings of 3 or 5). Try and keepreligious items to a minimum; you wantthe buyer to visualise themselves livingin your home and this can be difficult ifthey are constantly being bombarded byreminders of your beliefs. Removing reli-gious items will also serve to protect yourprivacy.

Should you decide that the sale ofyour house will benefit from being listedover the Christmas period, be sure to fol-low these simple tips and you will soonbe free to enjoy the happy holidays withsome extra cash in the bank!

Call the Golfi Team for aFREE Market Evaluation

Your home could be worthmore than you think!

905-575-7700

December 2, 2012 The Golfi Team Real Estate Market Watch Page 3

Call Today 905-575-7700

Together Delivering More...

Sharon StaffordSales Representative

Rob GolfiSales Representative

Heather ReidSales Representative

Hans MarcellissenSales Representative

Wendy Murray-NicholsonSales Representative

Mike McNeilSales Representative

Kristina KingSales Representative

Vince LazarukSales Representative

John HellicarSales Representative

Rosemarie FournierListing Co-ordinator

Melissa DavidsonOffice Manager

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

3 Over $65 Million in Sales Annually**

3 #1 Real Estate Office in Hamilton-Burlington*

3 Amongst the Top Sales Reps in Ontario**

3 Ranked Top 50 Teams in Canada for **

3 Ranked Top 100 Teams world wide**

Facts About the GOLFI TEAM…

2003 2006 201020031998Rob GolfiSales Representative

OVER $460 MILLION IN REAL ESTATE SALES

Putting your home up forsale can be a tough deci-sion, but once made and

the ball is rolling, you may not beable to change your mind. Lastweek’s column about a $3.3 millionhome sale that went wrong for theseller prompted several relatedquestions from readers. Here theyare:

Is there a buyer’s remorse period

in Ontario?

If you are buying a new condo-minium from a builder, you have 10days to change your mind. You donot need a reason. This does notapply if you buy a new house froma builder and does not apply if youare buying a resale home or condo-minium. Why condos only? Theclause is included in theCondominium Act.

Can a buyer sign an offer and

then walk away?

The Ontario real estate contractgives a buyer 24 hours to pay the

deposit, once the offer is acceptedby the seller. The buyer cannot justchange their mind or they can besued.

For example, the buyer offers$300,000 for a house which isaccepted. The buyer changes hismind and doesn’t pay the depositand walks away from the deal. Theseller resells the property for$275,000. They can still sue the firstbuyer for the difference, or $25,000.

Can buyers use conditional

clauses as escape hatches?

Most real estate contracts areconditional on the buyer being ableto get a mortgage and being satis-fied with a home inspection. Otherconditions include being satisfiedwith a condominium status certifi-cate when buying a resale condo.

Many buyers think these condi-tions give them the right to justchange their minds. It is not thateasy. The case law has demonstrat-ed that buyers must try and satisfyany condition in good faith. Thismeans that you need a legitimatereason why you found the homeinspection report or condominiumstatus certificate unsatisfactory.

Who gets the deposit when

buyers change their mind?

In most cases, the deposit isheld by the seller’s real estate bro-kerage, in trust. Under the law,when a deal breaks down, the bro-kerage cannot pay the deposit to

anyone without either a mutualrelease or direction signed by boththe buyer and the seller, or an orderof the court. As such, when deals donot close, if there is no agreement,the deposit can be locked up for along time, and the buyer will nothave access to it to make an offer onanother property.

Is there a “legal” way for a buyer

to get out of a deal?

It depends. If for example, therewas a right on your title for the Cityto access 20 per cent of your proper-ty for any reason, known as an ease-ment, and that was not disclosed tothe buyer, they can usually cancelthe agreement without penalty.However, there have been other

cases that indicate if there is a prob-lem with a city work order or titleproblem for which the seller canobtain title insurance to protect thebuyer, then the buyer cannot refuseto close. A buyer can also cancel ifthere has been substantial damageto the property before closing, suchas a flood that was not repaired. Youcan’t refuse to close if the oven isnot working.

The better answer in all of thesesituations is to be very careful andserious before you make any deci-sion to buy a home. Changing yourmind later can be very expensive.

Mark Weisleder is a Torontoreal estate lawyer. Contact him [email protected]

www.golfiteam.com


FREE HoME EvaluaTionNo Cost or Obligation

Call Rob Golfi Today!

905-575-7700 / 905-945-0188

Performance Mercedes-Benz

371 Ontario Street, St. Catharines

Dealer of the Year 2012

905-685-3838 | 1-800-567-1101performancemercedes.ca

When can you walk away from a house deal?

Crossword Solution

Be sure you fully understand the details before closing a real estate deal.

Call Today 905-945-0188


FREE MarketEvaluation

Your home could be worth more than you think!

905-945-0188

Rob Golfi*

Grimsby, Lincoln West Lincoln & Niagara

grimsby $459,900

23 Tunbridge Crescent9 year old One Floor Beauty. Open concept home featureshrdwd, cer & carptd bed. Main flr family room withwalkout to fenced in back yard with spacious deck.Basement is professionally finished with oversized recroom,bathroom, bedrooms & office space

1836.92 per/mth P&i / O.A.C.

grimsby $479,900

288 Kemp Rd. WUnique property zoned for priv. club recreational use;suitable for many types of organizations on priv. 25 acres ofland w/mutual picnic area. Banquet/dance hall 2500 sq. ftwith 12’ ceilings, FP, full kit facilities, bar area, coat check,bthrms & spacious bsmt for storage.

$1896.83 per/mth P&i / O.A.C.

ViNELANd $185,000

3933 Durban LaneGet inside to see this lovely home! Generous foyer opens tothe comfortable living room. Eat-in kitchen w/sliding doorsto large deck. Buyer to be approved by Landlord. Landlease fee $328.84/mth. Estimated taxes $160.37/mth.Maintenance plan Gold $162/mth or $105/mth.

$738.92 per/mth P&i / O.A.C.

grimsby $319,900

683 Ridge Road WestBeautifully decorated 3+1 bedroom bungalow. Updatesinclude granite kitchen counters, newer roof, furnace 07,updated windows, entry doors, and patio door. Large 16 x28ft. deck off kitchen. Rec room with wood burningfireplace, office area, great room, laundry, and storage.

$1277.73 per/mth P&i / O.A.C.

ViNELANd $649,900

3274 King StreetSpectacular, luxurious & Immaculate best describes thisawesome beauty sitting on 1.3 acres on the bench of theescarpment with panoramic views of Lake Ontariosurrounded by vineyards and neighbouring ranch, 4 bedrms,4 car garage, granite, hardwd flrs, + + + shows like a dream.

$2595.81 per/mth P&i / O.A.C.

bEAmsViLLE $379,900

4495 Frances CrescentPRESTIGIOUS 2 STOREY – Only 4 yrs new, featuresgrand foyer, oak stair case, gleaming hardwd flrs in familyrm w/showcase fireplace, maple kitch w/breakfast bar island,transom windows on main level, professionally finishedbasement, beautifully landscaped yard w/fenced yard.

$1517.38 per/mth P&i / O.A.C.

bEAmsViLLE $459,900

4960 Kennedy StreetEverything you wanted in a house and more – 4 bedroomswith professionally finished basement, fenced andlandscaped yard, beautiful maple kitchen with breakfast barand ceramic floors, backsplash, and located in a great familyneighborhood.

$1836.92 per/mth P&i / O.A.C.

WEsT LiNCOLN $639,900

8729 Twenty RoadCUSTOM BUILT home backing onto Twenty Mile Creek. Kitchenwith granite and large island, hardwood floors, pot lights, livingroom with cathedral ceilings and stone fireplace, large masterbedroom with hotel style ensuite. Thousands of dollars spent onexterior landscaping. This home is truly a dream come true.

$2555.86 per/mth P&i / O.A.C.

grimsby $699,900

253 Ridge Rd Spectacular Stately home sitting on 1.26 acres minutes todowntown Grimsby. Features 3+2 bedrooms, 3 bathrooms,gorgeous, updated, new designer kitchen, all seasonsunroom, professionally finished basement. Nothing hasbeen spared. A must see.

$2795.51 per/mth P&i / O.A.C.

grimsby $329,900

39 Mountain StreetLEGAL DUPLEX – In the core of Grimsby! Rare find, thisbeautifully maintained 2 self-contained: 2 BR & 3 BR units,sitting on 84x106 ft. lot, 2 new furnace & c/air 2006, allupdated vinyl windows 2010, new shingles 2001, & aprofessionally finished basement.

1317.67 per/mth P&i / O.A.C.

jOrdAN $547,000

2869 Prince William StreetFull of Charm & character – a two-family home with upperfloor fully rented, sitting on large lot in in the heart of JordanStation, features hardwood floors, Cathedral ceilings,includes 3 kitchens and 4 bathrms, quick access to QEW.

$2184.81 per/mth P&i / O.A.C.

grimsby $849,900

2 Shoreline CrescentLAVISH TOP TO BOTTOM - Elegant home on LakesideCrescent. The new owner will reap the benefits of this overimproved custom reno’d home w/waterfront views. Featuresentrance w/marble floors, designer kitchen w/oak cabinets,granite counters, stone backsplash, cherry hardwood floors.

$3394.64 per/mth P&i / O.A.C.

ViNELANd $249,950

3380 Tallman DriveFantastic 4+1 bedroom family home features eat-in kitchen,spa bathroom, single attached garage, a large private fencedin backyard, easy highway access and walking distance toamenities. Updates incl: Tankless hot water heater, newflooring, roof aprx. 6yrs new, newer furnace & A/C.

$1247.93 per/mth P&i / O.A.C.

grimsby $474,900

53 Sumner CrescentDYNAMITE DEAL IN GRIMSBY! 5 BR home includinglaundry rm, all on second flr. Features gorgeous hardwoodfloors, grand foyer w/oak spiral staircase, maple kitchencabinets, rich hotel style ensuite bath w/glass enclosedshower, & a professionally finished basement w/9ft ceilings.

$1896.83 per/mth P&i / O.A.C.

WEsT LiNCOLN $315,900

9407 Silver StreetAmazing home on 100 x 200ft lot, built in 1953, has an openconcept LR/DR w/hrdwd flrs, huge master suite, newHighEff gas furnance/CA, updated bath, entry doors, &water cond.. Bonus rm over the garage.

$1277.73 per/mth P&i / O.A.C.

smiTHViLLE $469,900

14 Sarah CrescentStation Meadows Beauty. 2600 sq ft, 4 bdrm. Incl mainlaundry, soaring ceilings in the main flr family rm, oversizedeat-in kitc & w/o to deck & pool-sized yard. Basement finw/ rec room & additional rms for bedrms or office

$1876.86 per/mth P&i / O.A.C.

bEAmsViLLE $454,900

4024 Bush CrescentOutstanding and immaculate! This Hillside Estate homeshows beautifully. Featuring maple kitchen with breakfastisland and butler’s pantry to dining room. 9 ft ceilings, 8 ftwide sliding doors to fenced and landscaped yard with large12 x 34 ft deck.

$1816.94 per/mth P&i / O.A.C.

grimsby $319,000

8 Stanley AvenueFantastic 2+2 bedrm home w/open concept main floor,custom maple kitchen w/breakfast bar, new vinyl windows,flooring, trim & shingles. Master bdrm w/walk-in closet,prof. fin. basement, above ground pool on huge lot.

$1274.14 per/mth P&i / O.A.C.

grimsby $449,900

364 Mountain RoadSprawling 3+2 bdrm home on aprx 1 acre. Eat-in kitchen,open concept LR, formal DR, den, master bdrm w/ensuite &walk-in closet, main flr laundry, & dbl car garage. 2ndkitchen, rec room, 3pc bath. Above ground pool. Manyupdates.

$1796.97 per/mth P&i / O.A.C.


www.golfiteam.com

Showcase Homes

sTONEy CrEEk $549,900

39 Sasha CourtTRENDY AND STYLISH! This move-in-ready, 6 years new, 2 storey, 4 bedroom home boastsopen main floor with maple kitchen, granite counters, porcelain tiles and breakfast bar,hardwood floors throughout with oak staircase. Two storey family room with show case stonefireplace, surround sound and speakers throughout, rich hotel-style bathroom with large dreamcome true walk in closet, smart wire cat-5. 9 ft. ceilings in basement with oversized windows.Fully landscaped with coloured concrete drive. Shows like a dream!

Call Rob Golfi today at 905-945-0188 for a private viewing.

bEAmsViLLE $459,900

4960 Kennedy StreetEVERYTHING YOU WANTED IN A HOUSE AND MORE! 7 years new, this 4 bedroomhome is in immaculate condition and features a professionally finished basement with walk outand extra-large windows, fenced and landscaped yard, 9 ft. ceilings, large country-size kitchenwith maple cabinets, breakfast bar, ceramic floors and backsplash. This property is located in agreat family neighbourhood. Don’t miss out!

Call Rob Golfi today at 905-575-7700 for a private viewing.


Call Today 905-575-7700

Amatrimonial home isrecognized as a veryspecial asset by the law

in Ontario. That means that if thehome is sold, it will usually bedivided equally between the mar-ried couple, regardless who paid forit. Even if only the husband or thewife is on title to the property, it willtake both of them to agree in writingto sell it.

In 1993, David Debora bought acottage in Oro township, near Barrieas an investment. It was a 10,000square foot cottage on 5 and a halfacres of lakefront property. Hebought it through his company ofwhich he was the only shareholder.A year later, in 1994, he marriedMiriam Debora. They had been liv-ing together for seven years and hada child together in 1989.

The couple separated in 1995and started fighting over propertyrights and support. They did notsign a marriage contract when theymarried and the cottage which wasworth $840,000 at the time of theirmarriage was worth $1 million atthe time of separation.

If the cottage was an investmentproperty, then Miriam could haveclaimed up to 50 per cent of the gainin value of the cottage during theirmarriage, or 50 per cent of$160,000, which was $80,000.However, if the cottage was a matri-monial home, then Miriam couldclaim up to 50 per cent of the entire$1 million value or $500,000.

It was clear from court docu-ments that the couple used the cot-tage year round.

In a decision dated September 5,

2006, the Ontario Court of Appealconfirmed that even though theproperty was owned by a company,since David controlled the compa-ny, he in fact owned the cottage. Asa result, Miriam was able to collect$500,000, since the property wasused as a matrimonial home at thetime they separated.

If David had wanted to protecthimself, he should have askedMiriam to sign a marriage contractbefore they married. In it, she couldhave agreed not to make a claim onthe cottage, or limit any claim to theincreased value after the marriage.

A couple can have more thanone home considered as a matrimo-nial home, as long as they use itwith their family during the year. Soif you have a home in the city, asummer home and a chalet for ski-ing, all three can be considered mat-rimonial homes and the same rulesapply to each property.

However, let’s say you bought ahome and then got married. On thedate you got married, the house wasworth $300,000. You lived in it forfive years as your matrimonialhome, but then you bought a secondhouse that you moved into together.The first house is now used as arental. It is still in your name.

While you will own the secondhome together as a matrimonialhome, the first house will no longerbe considered a matrimonial home.Therefore, if you later split, you willstill be able to get credit for the full$300,000 that your house was worthon the date of the marriage, and youwill only have to split the gain withyour spouse.

When it comes to selling ahouse after the parties have separat-ed, similar rules apply. Even if thehouse is registered in only thewife’s name, the husband will haveto give permission to the sale, evenif he moved out a long time ago, ifat the time of separation it was theirmatrimonial home and they are stillnot divorced or have not signed aseparation agreement.

These rules do not apply if youare not married. If you are living ina common-law relationship andonly one person is on title, then that

is the only person who needs to signto sell the home. You must get yourname on title to protect your interestin any property if you are not mar-ried.

If you are not sure who has tosign for the sale of your home,always get legal advice first so thatall proper parties sign your agree-ment. It will save a lot of stress later.

Mark Weisleder is a Torontoreal estate lawyer. Contact him [email protected]

Matrimonial home, or not? A $500,000 question

Our Name Says It AllWe Manufactureand Install

Call Us905-560-3338

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www.golfiteam.com

$5

06

,00

0

Average Selling Price of Homes in each Area:

CARE TO COMPARE

B u n G a l o W S

AVERAGE SELLING PRICE

$512,000BURLINGTON

1

ANCASTER $3

54

,00

0 2

GLANBROOK

$3

78

,00

0 3

GRIMSBY $2

22

,50

0 4

HAMILTON

$3

46

,00

0 5

LINCOLN $3

02

,60

0 6

STONEY CREEK

$2

44

,50

0 7

SMITHVILLE $3

28

,00

0 8

WEST LINCOLN

Call Today 905-575-7700


Rob Golfi*

Hamilton, Stoney Creek,Ancaster, Dundas & Glanbrook

HAmiLTON CTr $174,900

11 Greenaway AveBeautiful all brick 2.5 storey single family home. Features 5bedrooms & lots of possibilities! Newer hardwd flrs,updated kitch & baths, clean & fresh décor, nothing to dobut move in! Includes single garage w/lots of parking &close to public transit.

$698.58 per/mth P&i / O.A.C.

HAmiLTON EAsT $219,900

542 Corbett StreetVery large raised ranch with high ceilings in the finishedbasement. 2 full bathrooms and in-law potential! Attachedgarage with inside entry and new 10x12 shed built in 2012.3 bedrooms with hardwood floors. Updated roof, furnace &C/A.

$918.25 per/mth P&i / O.A.C.

HAmiLTON mTN $164,900

36 Poplar Avenue LOCATION, LOCATION! Walk to Juravinski, steps tomountain brow & shopping. Loads of character and perfectfor a young couple! This property features beamed ceilings,private back yard, front and back porch, updated 100 amppanel, and kitchen. Great rental location! Don’t miss out!

$658.64 per/mth P&i / O.A.C.


84 Onyx DriveIncredible 2600 sq.ft. 2-storey, 4 bedroom home withgorgeous hardwood floors, maple kitchen with granitecounter tops and breakfast island. Spa-like ensuite offmaster bedroom and large walk-in closet. Fantastic sizedining room with showcase fireplace in family room.

$1796.97 per/mth P&i / O.A.C.

HAmiLTON WEsT $329,900

163 Caroline Street SouthFirst time on the market, ever!!! Very unique layoutfeaturing an updated kitchen, boiler, roof, wiring, flooring,electrical panel, windows, doors, bathroom, main floorlaundry & beautiful den/sun room with updated skylightsoverlooking private yard!! Bonus double width driveway.

$1317.67 per/mth P&i / O.A.C.


35 Stirton StreetUPDATES GALORE! SHOWS 10++ with loads of roomfor a big family. New kitchen & bathrooms. Owner isdownsizing, house is very clean. 3rd floor can be play areaor family room or 2 more bedrooms. Private rear yard witha fabulous deck, and a big front porch. Appliances included.

$658.64 per/mth P&i / O.A.C.

sTONEy CrEEk mTN $385,000

21 Summerfield AvenueGreat Stoney Creek mountain location! 3+1 bedroomsw/spacious rooms, master with ensuite and walk-in closet,updated hardwood flooring in living & dining room, and eat-in kitchen with oak cabinets. Beautifully landscaped lot with15 x 29 in-ground pool and large deck great for entertaining.

$1537.75 per/mth P&i / O.A.C.


90 Strawberry DriveRAVINE LOT! Beautiful all brick 4+2 bedrm w/3.5 bathsfeatures walk-up from basement with in-law potential, mainflr ldry, main flr family rm w/fireplace, eat-in kitchen,separate dining room. New furnace/central air & carpet inbasement. Great location, a walk to shopping & park.

$1497.41 per/mth P&i / O.A.C.


39 Kilbourn AvenueOUTSTANDING IMMACULATE HOME! Completelyredone top to bottom gorgeous new kitchen w/granitecounters & tumble marble backsplash, updated bathrooms,new trim, pot lights, new gleaming hardwood floors,updated vinyl windows, fin. basement w/new Berber carpet.

$1397.96 per/mth P&i / O.A.C.


39 Sasha CourtTRENDY AND STYLISH! This move in ready 6 yrs. new,2 storey, 4 bedroom home boasts maple kitchen with granitecounters & breakfast bar, 9ft ceilings, hardwood floors,show case fireplace in family room, fully landscaped withcoloured concrete drive. Shows like a dream.

$2196.39 per/mth P&i / O.A.C.


1966 Main Street W., Unit #103Well maintained condo overlooking peaceful gardens &picnic area, features 3 large sunny bedrms, spaciousliving/dining room, in-suite storage plus locker, saltwaterpool, sauna, tennis courts, great underground parking space& easy HWY 403/Linc access & McMaster.

$598.72 per/mth P&i / O.A.C.


39 Melbourne StreetWest Hamilton Gem! Steps from Locke St., walking distanceto schools. Shingles, soffit, facia, windows, furnace, A/C,wiring/panel, plumbing, prof. brick restore on entire house,flring, kitch, baths - 2012. Open concept kitch w/granitecounter tops. 9 ft. ceilings w/California knock down.

$1796.97 per/mth P&i / O.A.C.


29 Holly AvenueWOW! Nothing to do but move in! 2 bedroom bungalowwith clean and fresh décor and updated kitchen andbathrooms. Furnace, shingles, wiring, drywall and insulationall done in 08. Big private back yard and right across from aquiet park.

$598.72 per/mth P&i / O.A.C.


1364 Highway #8CHARMING BUNGALOW TAKES YOU BY SURPRISE– this 2100 sq.ft. home sitting on park like setting countrylot 85x187 ft. backing onto wooded green space, featuresgorgeous oak kitchen cabinets w/granite counters tops,beautiful hardwood floors, and close to all amenities.

$1397.56 per/mth P&i / O.A.C.


95 Rolston DriveSCENIC VIEW! Fabulous home w/lots of extras, roll upshutters on some windows and sliding doors, huge familyroom with walkout, dining area walkout to balcony,irrigation system, dbl garage, loads of closet space & storage.Updates: kitchen, windows, shingles, furnace/CA & more.

$1354.02 per/mth P&i / O.A.C.

Call the Golfi Teamfor a FREE Market

Evaluation

Your home could be worth more than you think!

905-575-7700

SOLD ANOTHER ONE

TOO NEWFOR PIC


161 Glennie Ave5 BEDROOMS AND LOCATION ROCKS! Quiet court,walk to school & shopping. Big renovated eat-in kitchen(appl. included) with walkout to huge deck and pool. 200amp, updated windows, doors, siding, furnace and A/C,bathroom and foundation waterproofed from the outside.

$758.49 per/mth P&i / O.A.C.

www.golfiteam.com

Page 10 The Golfi Team Real Estate Market Watch November 15, 2012

MarketplaceMarketplace

Je� GreenCerti�ed Arborist Bus: 905-957-5818 Cell: 905-516-0640

Tree Inspection - Disease DiagnosisOrnamental & Shade Tree Pruning

Tree Surgery & CablingTree & Stump Removal

Tree & Shrub FertilizationSkid Steer Services Available

Attachments AvailableBackhoe

Post Hole AugerTree Spade

905-309-0909

www.budgetblinds.com/Grimsby

FREE IN HOME CONSULTATION

Truly Beautiful • Blinds • Drapery • Shutters David RybackRegional Sales Manager

Hamilton: 905-573-8776Grimsby: [email protected]

TAKE THE STRESS OUT OF MOVING!

Margaret WhorwoodAgent Lic. No. M11000188 Mortgage Planner

651 Fennell Avenue EastHamilton, ON L8V 1T9

fala português

www.mtgarc.ca/margaretwhorwood

TCFE

905.574.9200 x [email protected]

Brochures • Flyers • Booklets • Catalogues • Posters • Cards • Calendars

32 Keefer Court, Hamilton ON L8E 4V4t: 905.573.2502 tf: 1.800.265.0134 e: [email protected] www.aulwardgraphics.com

HOME STAGING

Jacqueline Paradisi

Paul Lewis settimiBarrister, Solicitor and Notary Public

8 Main Street East, Suite 303Hamilton, Ontario L8N 1E8Bus: 905-527-0808Fax: 905-527-0774

20 Main Street WestGrimsby, Ontario L3M 1R4

Bus: 289-235-7500Fax: 905-527-0774

real Estate Lawyer

[email protected]

Hardwood Floor Refinishing

The Quick, No-Sanding Solution for Beautiful Hardwood Floorswww.MrSandless.com

1-877-955-9663 • 905-304-3380 • [email protected]

P045151CN 4/04

State Farm® Providing Insurance and Financial Services

Canadian Head Offices: Aurora, Ontario

Craig Budd Ins Agcy LtdCraig Budd, Agent4289 Hixon StreetBeamsville, ON L0R 1B7Bus: 905-563-3453 Toll Free: 866-252-0035

Call Today 905-945-0188

Advertise HereFor information on advertising in the

market Watch, contact

Rose Magroemail: [email protected]

cell: 905-745-0122

RECEIVE A STAINLESS STEEL UNDER MOUNT SINK &

A FREE UPGRADED EDGE!*Minimum of 40 square feet, no cash value, 1 gift certificate per household.

Must present this post card at time of ordering. Contract must be signed before January 31, 2013, in order to redeem certificate.

Some restrictions may apply.

BEST PRICE

GUARANTEED!

VISIT OUR SHOWROOM TO MEET WITH A MEMBER OF OUR FRIENDLY AND KNOWLEDGEABLE SALES TEAM

289-969-6532


Across

1 Ethiopian capital (5,5)

7 Levy on cars etc (4,3)

8 Loose-fitting shirt or cloak (5)

10 Destiny (4)

11 Side playing at their own ground (4,4)

13 Process of arrival (6)

15 Seafood item (6)

17 Envious emotion (8)

18 Contract (a muscle) (4)

21 Digger for gold or coal, say (5)

22 Thick soft porous cake — attractiveperson (7)

23 Clumsy person — heavy shoe (10)

Down

1 Separate(d) (5)

2 Shorter signals in the Morse code (4)

3 Church bell-ringer or grave-digger (6)

4 Flatter (6,2)

5 Barmy (7)

6 Bottleneck on wheels (7,3)

9 Intricacy (10)

12 (Of gossip) in circulation (8)

14 Face cloth (7)

16 Hitchcock classic (6)

19 Person shunned socially (5)

20 Evidence of pregnancy — knock (into)(4)

Crossword Puzzle (Solution on Page 4)

Beamsville

Executive Freehold Towns

www.GolfiTeam.com | 905-945-0188

Stylish 2-Storey 1,460 sq. ft. Townswith 9 ft. ceilings, nestled within a

brand new community park!

Sales Office Hours: Tues & Thurs 1-5pm, Sat & Sun 1-5pmMonday, Wednesday & Friday by appointment

QEW

King St.King St.

Cassandra Dr.

Sales Office

South Service Rd.South Service Rd.

Hillside Dr.

Ont

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Stad

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Dr.

QEW

Connor Dr.

15 Unitsfrom

$246,900

6UNITSLEFT!

Documents

Dec. 2, 2012 Issue 61