october 2015 issue 115

WHAT’S INSIDE:HOMES FOR SALE | PAGE 4Hamilton, Stoney Creek, Ancaster,Dundas & Glanbrook

LUXURY & WATERFRONT | PAGE 3

HOMES FOR SALE | PAGE 8Grimsby, Lincoln, West Lincoln & Niagara

Things I Wish I Knew Before Buyingan Old HousePAGE 9

October 2015 - Vol 80

NO COST • NO OBLIGATIONNO COST • NO OBLIGATIONHOME EVALUATIONHOME EVALUATION

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Rob GolfiSales Representative

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The Golfi Team Real Estate Market Watch October 2015

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Bungalows & Raised Ranches Two Storeys • Semis & Town Homes

How to Sella Home ThatDidn’t SellHAMILTON/NIAGARA – If your home has just

come off the market and hasn’t sold, don’t be dis-couraged. The reason your home did not sell mayhave nothing to do with your home or the market.In reality, your home may have been one of themost desirable properties for sale.So Why Didn’t Your Home Sell?

Last year almost half of the homes listed for salenever sold at all, and many sellers found that therewas a tremendous amount a homeowner needed tobe educated on to sell their home for top dollar inthe shortest time period.

Don’t risk making the wrong choices and losingboth time and money on your investment. Beforeyou hire a realtor, know the right questions to askto save you time and money.

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HAMILTON - According toindustry experts, there areover 33 physical problemsthat will come under scrutinyduring a home inspectionwhen your home is for sale.A new report has been pre-pared which identifies theeleven most common ofthese problems, and whatyou should know about thembefore you list your home forsale.

Whether you own an oldhome or a brand new one,there are a number of thingsthat can fall short of require-ments during a home inspec-tion. If not dealt with, any ofthese 11 items could cost youdearly in terms of repair.That’s why it’s critical thatyou read this report beforeyou list your home. If youwait until the building inspec-tor flags these issues for you,

you will almost certainlyexperience costly delays inthe close of your home saleor, worse, turn prospectivebuyers away altogether.

In most cases, you canmake a reasonable pre-inspection yourself if youknow what you’re lookingfor, and knowing what you’relooking for can help you pre-vent little problems fromgrowing into costly and

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27 Quick &Easy Fix Ups toSell Your HomeFast and forTop DollarHAMILTON/NIAGARA – Because yourhome may well be your largest asset, sell-ing it is probably one of the most impor-tant decisions you will make in your life.And once you have made that decision,you’ll want to sell your home for thehighest price in the shortest time possiblewithout compromising your sanity.Before you place your home on the mar-ket, here’s a way to help you to be as pre-pared as possible.

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October 2015 The Golfi Team Real Estate Market Watch

Rob Golfi*

Things I Wish I Knew Before Buying an Old HouseIf you're thinking about buying an old home, read this first!

Iwanted to write this post as a community service toold house lovers and those people who are consider-ing buying an old house. I’m going to talk real, and let

you know what I wish someone told us before we boughtan old house. I think if you’re like us, buying an old houseis exciting because we love the character that old houseshave, and we are the people to save them. All old homesneed maintenance and up keep. Here’s the thing: I’vechatted with people that don’t have an old house and theyhave many of the same issues. The items listed below arenot specific to only old homes, but things I wish I wouldhave looked out for. Some items are just old house prob-lems.

I wouldn’t change buying our house for the world. Butduring your first year of home ownership you want tokeep the surprises to a minimum and your pocket book incheck.

1. Get two inspectionsThis is the number one thing I wish we would have

done. Our inspector caught a lot of important items, butalso had a few big misses that added up to some seriousdollars the first year we owned the home. I know whenyou are buying a home, spending another $600 or so onan inspection is not what your idea of well spent money,but trust me, it is very well spent. Inspectors are humanbeings, and can make mistakes. Also, if your inspectionshows anything structural, get an engineer in there beforeyou buy. This can have some serious dollars attacheddown the road, and it’s better to know up front. We useda traditional inspector, structural engineer and bug inspec-tor.

2. Check for water filtration systems, especially if you

are on well waterYeah, so us city slickers bought a house with well

water. It smelled like the most horrible rotten eggs youever did smell. It was sulfur in the water, and our area hadhigh sulfur. We washed our dishes in it and us. The smellwas so strong we could barely stand it. I would never in amillion years have guests over, the smell was gag worthy.Sulfer isn’t bad for you, but whoo-hoo, does it stink likeall kinds of rotten. So, really good water filtration systemscost several thousands of dollars. You need one if youhave well water, period. Ask what the yearly maintenancecosts are when selecting a system.

3. Ask how long the house has been emptyWe had a lot of issues because the house sat empty.

The extreme sulfur smell, the bats in the attic (see item4) and mold in the basement. I’m not saying these would-n’t have happened if the house wasn’t empty, but I thinkit contributed in a big way to some of the issues weencountered. When a house is not used and systems justsit there, like no water circulation and no air circulation,and no human intervention for critters, problems startcropping up.

4. Rodent and bat infestationsWe had 200 bats in our attic and they had been calling

Stony Ford their home for YEARS. Normally, we thinkoh, no big deal, just kick them out or kill them. Wrong,wrong, wrong. We talked to so many people who askedus that and if you have bats, you have a big problem.They are an endangered species, so you can’t kill them.And you can only kick them out two times a year whenthey can relocate and don’t have any young. So, if you’relike us and find out you have 200 bats in the attic in themiddle of the summer, you have to live with them, untilthe end of the summer when they can be kicked out. Thenwe had to pay for the clean up of the bat poop, which ifdisturbed, is toxic. Men in white suits climbed into ourattic to hepa vac the bat poop. This was missed during theinspections, and I was pretty upset about it. It costs usthousands to remediate. Look for bat poop, it looks likemouse poop, only a bit longer. If you see evidence of it,check carefully.

5. Lead paintUnderstand if you buy and old home you will probably

be dealing with lead paint. If you have children this could,or couldn’t be a big deal. We have a lot of lead paint andhave done a lot of research on remediation. It’s a longhaul, and most of the work can be done by hardcoreDIYers. You have to check your window casings and doorframes carefully for chipping paint, or rubbing paint. Iwon’t go into a lot of detail, but if you see cracked paintor chipping flaking paint, ask some questions and haveyour inspector test it. I still buy a house if it had of leadpaint, but I would want to know what kind of remediationproject I’m getting into.

6. MoldI get really bad migraines around mold and I knew the

basement had mold when we first looked at the house. Iwas down there for 5 minutes and had a mind blowingheadache. Again, the house sitting empty and not havinggood circulation, this can happen in living quarters orbasements and attics. Mold remediation can be veryexpensive, but technology has come a long way. Wedidn’t have the option to remove materials since the moldwas all over the beams and pipes. We had the mold heattreated so the treatment would get in every nook and cran-ny, plus a new air exchanger and dehumidifier installed. Idon’t mess with my health and this was a must as soon aswe moved in. Again, thousands of dollars.

7. Roof leaks and the ‘M’ wordSo we had a roof leak and had to have a part of the roof

replaced. Get two opinions if you have roof issues. Everyperson who looks at our roof has a different opinion. Thenthere is the ‘M’ word. Moisture. If you see signs of mois-ture, or mold: run. Ask questions, and the inspectorshould have a handy gadget he can use to test for the Mword. Also if you have plaster walls and you see evidenceof staining or moisture, ask where the source is located. I

didn’t know it at the time but moisture, will make somepaint peel, and we have this one area of the house wherewe’ve had gutter problems and leaking inside. If we hadlooked closely at the walls, we could have known to aska lot more questions about the drainage and how much torepair it. The M word can lead to the other M word, mold,which again is expensive to remediate.

8. Storm windows and screensOne area we were really fortunate is our windows. We

have all the original windows, and the couple that livedhere before us made screens and storm windows. We’readding weather stripping to those storm windows, andwow, what a great thing. I can’t imagine having a winterwith out them. If the house you’re looking at doesn’t havethese, get a cost for having them made. It’s expensive butso worth it. Some people asked us why not just get newwindows. Cause our windows are beautiful and historic!I’d never take the character out of our house and changethe windows! About 90% of our windows have the origi-nal wavy glass that’s really old!

9. Overall insulationSo heating a big old house is expensive. When we

lived in Manhattan, and you told me the price of a martiniwas $22, I’d shrug. The rest of America would ask what’swrong with me! My mind was programmed to look at theworld through Manhattan prices. When I found out howmuch oil costs to heat a house I said WHAT?!?!?!? HOWMUCH?!?! I seriously couldn’t get over how much oil iscause I lived in an apartment and never had to pay an oilbill. Our house has no insulation, like none. After the batsin the attic, all the insulation had to be removed cause itwas covered with bat poop. True story. If you have noinsulation and live in a colder climate, plan on spendingyour life savings on it, cause you’ll love yourself later.And so will your oil bill.

10. Condition of walls and floorsThis is where I get the ‘idiot’ stamp. Our house

‘looked’ nice when we walked through, a new coat ofpaint and it was livable, unlike other serious renovationprojects we looked at. That’s until we saw the wall paper.Under the paint. Yes, that’s right. Painted over wall paper,sometimes two layers. We started painting a room thatshould have taken us two days and it took us two monthscause we had to remove the wall paper and then skim coatall the walls. Oh yes, it took forever. And the whole houseis like this. So it’s not a matter of throwing up a simplecoat of paint. Same thing with the floors, they all needrefinishing. Look at these things when you walk throughthe house. We are serious DIYers, but I even feel like I’min over my head with this one.

If you’re an experienced old home owner, leave addi-tional items in the comments so people will see themlater! It’s great to have as a resource.

Written by: Susan Brinson

Hamilton, Stoney CreekAncaster, Dundas & Glanbrook

Rob Golfi*

Call Today 905-575-7700


Convenient Central Hamilton Location!This 3 Bedroom 1.5 Storey home has neutral décor, vinylwindows, recently updated shingles, fenced yard with sidedrive. Move in condition! Close to all shopping, schools,entertainment and great HWY access.55 Rosemont Avenue, Hamilton | $189,900

Prime lot with scenic viewsSTATELY CHARACTER HOME Circa 1918, set on ½ acre lotw/mature trees & views overlooking city & bay. 4500 sq.ft. ofluxury living, 4 BRs, hardwd & plank flrs, family rm additionw/FP, priv. hot-tub rm, & in-law suite. Close to JuravinskiHospital & downtown, detached double garage.180 Concession Street, Hamilton | $1,098,000

Location Rocks!Fabulous 5 level end unit with many updates. Windows,furnace/AC, breaker panel & pigtails. Desirable location incomplex! Fantastic Linc access to 403 & near amenities. Greatlayout w/neutral decor. Large light filled family room, and recroom in finished basement.500 Stone Church Road West, Unit D1, Hamilton | $189,900

Gorgeous 2 Storey Family Home!Features hand-scraped oak chestnut hardwood flooringthroughout main floor and 2nd level. Upgraded oak staircase,large second level family room/loft with bedroom level laundry.Beautiful Quartz counter tops and extended cabinets inkitchen. 9 foot ceilings, upgraded pot lighting! Views of 270acre Karst Conservation area! 87 Boulder Crescent, Hannon | $529,000

Outstanding & Immaculate 3 bedroom home! This home features an open and invitingfloor plan with grand foyer, kitchen has maple cabinets withgranite counters tops, dinette with walk out to fenced yard andpatterned concrete patio with hot tub, ensuite bath withseparate shower and soaker tub, and rough in plumbing inbasement for 3rd bathroom.31 Bates Avenue, Hannon | $449,000

Dream hobby farm for horse lovers! Scenic 37+ acre property with large home, barn (4 ‘soft mat’stables), and run-in. Close to highway access and city(Hamilton and Ancaster) conveniences. Live in the country,work in the city. Home has beautiful eat-in kitchen, living roomwith cozy wood stove, large foyer, 3 bedrooms and manyextras. 2832 Glancaster Road, Ancaster | $819,900

Immaculate BungalowOpen concept, 2+1 bedrooms, 2 full bathrooms, separate sideentrance, vaulted ceilings on main floor, granite in kitchen,marble in bathrooms, basement bath has Jacuzzi tub andseparate shower, fully fin. basement has in-law potential.Shingles (2015), in-ground sprinklers, garage, dbl drive. Closeto amenities, easy access to LINC and Red Hill. 170 AssisiStreet, Hamilton | $449,900

Gorgeous Court Location!Big family! No problem! Sunroom addition was built by thebuilder. Large principle rooms, updated bathrooms and maplekitchen. Main floor family room with gas fireplace. Mostwindows updated. Furnace and central air updated. Gas linefor natural gas BBQ at the deck and on ground pool sold “ASIS”. Quick close available.47 Rama Court, Hamilton | $429,900

Great Neighbourhood!Great family home on an up and coming street in a greatneighbourhood. Close to Gage Park and shopping. Somenewer windows, freshly painted with new flooring on main floorand 4 bedrooms. Private fenced in backyard. Rentalfurnace/air conditioning - 2014.229 Grosvenor Avenue North, Hamilton | $204,900

Gorgeous Oversized Classic!2-Storey home sitting on a Spectacular pie shaped lot inprestigious waterfront community! 4 sun filled bedrooms, 2ensuite baths plus a Jack and Jill bathroom, 2nd floor mediaroom, master bedroom with walk in closet and 5 piece ensuite,large kitchen with SS appliances, 9 foot ceilings, upgradedfixtures, hardwood throughout, professionally landscaped.82 Falcon Road, Stoney Creek | $649,900

Fabulous Location!Walk to parks, recreation centre, schools, and Centre mall.Family friendly with easy highway access! This home featureshuge garage/workshop, dining room, walkout to yard fromkitchen, rec room, big front porch, hardwood floors, nicebackyard, updated bath in `08, shingles in `15, and Central airin `11.31 Ellis Avenue, Hamilton | $259,900

In-Law Suite!Immaculate 4+1 bedroom, 2 storey, open concept, 3.5 baths,cathedral ceilings, hardwood, finished basement with in-law,large principal rooms, loft area on second floor perfect forhome office, fenced yard, and double car garage.84 Windwood Drive, Binbrook | $499,900

Hamilton, Stoney CreekAncaster, Dundas & Glanbrook

Rob Golfi*

www.GolfiTeam.com


The word “Plateau” is in its namesakeCustom home built on half acre lot. Fully finished basementw/second kitchen, 2 cold cellars & walk out, oversized Barzottikitch w/sliding drs leading to pool sized fenced lot, sunkenfamily room, dining rm large enough for any size family.36 Hilts Drive, Stoney Creek | $739,900

Perfect for Large FamilyImmaculate custom built home in lower Stoney Creek. 3300sq.ft. Perfect home for lrg family. Features 4+2 BRs, 4 baths,lrg eat in kitch w/walk-out, ceramics & hardwd throughout, sepdining rm, sunken family rm, den, in-law suite in bsmt w/ sepentrance, dble garage, oversized lot.4 Hewitson Road, Stoney Creek | $739,900

Million Dollar View!MILLION DOLLOR VIEW- Steps to the Newport Marina!Grand foyer w/travertine tile looking into open floor plan, stylishkitch w/granite counters, hand scraped oak hardwd flrsthroughout, updated bath w/glass shower & in floor heating.Travertine patio with spa/hot tub built into deck w/waters edgepatio. Lakefront freehold shows like a dream!39 Edgewater Drive, Stoney Creek | $869,900

3+1 Bedroom BacksplitBeautiful family home in desirable area. Hardwood floors,ceramic, granite counter top, fully finished lower level withfireplace and full bath plus separate side entrance. Separatedining room with sliding doors, updated bathrooms, largedouble driveway. Most windows last year, roof apprx. 3yrs old.1081 Upper Sherman Avenue, Hamilton | $349,900

Large Well Cared for Home!Finished bsmt with rec room and gas fireplace, bdrm andbathroom. Main flr 2 bdrms with recent hardwood. Eat-inkitchen and bathroom. 2nd floor bathroom with two bdrms orbdrm/family room. Big drive w/detached garage. Most windowsreplaced. Shingles 2013, furnace 7yrs, A/C 2 years. Nicelocation minutes to Red Hill, walk to schools and park. 7 Craigroyston Road, Hamilton | $299,900

Fantastic Opportunity!2 bedroom bungalow with almost a 100 ft. frontage. Home canuse some TLC. Garage has no value, but there is value in theland. Presently rented on a month to month basis. Tenant pays$920.00 per month plus utilities. Currently zoned M3 manypossibilities for the new buyer.1217 Barton Street, Stoney Creek | $299,900

Beautiful Century HomeBeautiful 4463 sq.ft. home on oversized lot, circa 1893. Newroof ‘15, laundry 2014, 2nd flr bathroom ‘14, glazed tubs ‘14,attic bathroom 2014. Features HW floors and 10ft ceilings.Updated plumbing. 57 new windows ‘07, updated kitchen ‘07,new solid oak Scarlet Ohara staircase ‘07, in-law suite, dryubnspoiled basement, parking for 6. $12,000 imported boiler.168 Holton Avenue South, Hamilton | $669,900

Investment Opportunity!INVESTMENT OPPORTUNITY! Well kept 2.5 storey. 1st flooris vacant. Was paying $825.00+80% of utilities. 3rd floortenant pays $600.00 utilities included. Nicely done with akitchen, bedroom, bathroom. Month to month.37 Gibson Avenue, Hamilton | $189,900

WATERFRONT

Surge in Canadian home pricesamong fastest in the world GLOBE & MAIL

Canadian home prices are rising at a rapid-firepace that is among the fastest in the world.

A quarterly look by Bank of Nova Scotia’sAdrienne Warren shows prices in Canada rose 8.2 percent in the second quarter of 2015, compared to a yearearlier.

Ireland topped the list, at 13.3 per cent, followedby Sweden, at 10.5 per cent. Australia was just ashade above Canada, at 8.3 per cent.

“Canadian home sales and pricing are provingresilient in the face of a more challenging economicenvironment, buoyed by ultra-low borrowing costsand favourable homebuying demographics,” Ms.Warren said in her recent report.

She also warned, however, that “among the morerobust housing markets globally, including Canada,Australia, the U.K. and Ireland, stretched affordabilitycould pose an increasing challenge.”

The Canadian cities of Vancouver and Toronto, ofcourse, are well known for high housing costs andfast-rising prices, so much so that the former is seenby some to be suffering an affordability crisis.

“Foreign demand, especially for luxury propertiesin top-tier cities, will likely remain high, as investorsseek geographical and asset diversification,” Ms.Warren said.

“Traditionally popular markets for foreign buyersinclude the U.S., the U.K., Australia and Canada,” sheadded.

“Foreign exchange considerations are taking on abigger role, increasing the attractiveness of propertiesin countries whose currencies have weakened at theexpensive of relatively stronger currency markets inthe U.S. and U.K.”

The pickup in the second quarter in Canada com-pared to a first-quarter annual pace of 6 per cent.

WOW set to launchAn Icelandic low-cost carrier is out to create some

turbulence in the Canadian market with plans to offerdeep-discount fares on transatlantic flights out ofToronto and Montreal, The Globe and Mail’s BertrandMarotte reports.

WOW air, founded by entrepreneur SkuliMogensen, is launching two new routes fromMontreal and Toronto to the Icelandic capital ofReykjavik, starting at $99 one-way.

The upstart airline is the latest European-basedcompany to offer low-cost fares on long-haul routesacross the Atlantic as the continent’s budget carriersextend their territory outside home base.

Underlying TrendFederal elections tend to have little effect on the

“underlying trend” in currency movements, Bank ofNova Scotia says, and this one may be no different.

“Our own work suggests that while there has beena fair degree of currency market volatility around theelection itself, it is very hard to distinguish movesrelated to domestic politics from the general trend inthe markets,” Scotiabank foreign exchange strategistsShaun Osborne and Eric Theoret said in a recentreport. In terms of the immediate aftermath, the loonierose in the three weeks after the 2004 Liberal victoryand the 2011 win by the Conservatives.

“But these moves reflect the trend in place wellbefore the vote itself,” they said.

“Frequently, a trend in motion before the electionstays in motion after it. Prospects for something sim-ilar this time around appear strong, we think.”


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Bulding Lot Rare FindFantastic opportunity to build your dream home on this 65.62x 111.32 ft. lot! fully serviced with sewer and water to lot line.Buyer pays town, regional charges plus building permit. Quickaccess to QEW beautiful views of Niagara Escarpment.5 Muscat Drive, Grimsby | $249,900

Great investment opportunity!Fantastic 3 + 4 bedroom home with many updates includingfresh neutral decor, shingles and furnace 2 years new. Siding,eaves and facia 2 years new. Close to schools, parks and allamenities.11 Tara Crescent, Thorold | $224,900

Country Living5 minutes to everything! Fantastic home on 2.2 acres ofpicturesque land minutes from new hospital & shopping. 2+3bedroom home with 4 full bathrooms, large all-seasonsunroom, 2 kitchens, 2 living rooms and 2 dining rooms. In-ground pool and multi-level deck. Circular drive with doublegarage with separate workshop. Lots of opportunities!3985 15th Street, Jordon Station | $599,900

602 ft FrontageZoned light industrial and commercial with 5.5 acres and 602feet of frontage on Durham Rd.23 Durham Road, Beamsville | $989,900

5.5 ACRES2.2 ACRES

Modern LivingFabulous 3 storey townhome in sought after location.Features hardwood on the main level, stairway and hallway,main level laundry, walkout to balcony from dining room, walk-out from den to patio, inside entry to garage. Luxurious spacein master bedroom. Great views from all levels.515 Winston Road, Unit 11, Grimsby | $314,900

Simply Stunning!This 2+1 bedroom home features hardwood & ceramics onmain flr with main floor laundry, living & dining room, andoversized kitchen with walk-out to upper deck. Main floormaster suite has walk-in closet & 4 pc ensuite. Basement withbackyard walk-out, workshop, bedroom & bathroom. Backsonto private greenspace, fenced in with hot tub & tiered deck. 4967 Kennedy Street, Beamsville | $499,900

Located in the Heart of Grimsby3 bedroom, 2 storey townhouse. Walk to shopping, schoolsand easy highway access. Features large living room withpatio doors to deck. Good sized kitchen with a dinette area.Upstairs master bedroom with 4pc bathroom and 2 morebedrooms. The basement is finished with a two piecebathroom and a nice rec room area. Nice small complex.20 Niagara Street, Unit 6, Grimsby | $214,900

A Real Winner!This Century Home begs for family get together in the largeprincipal rooms. Large dining and living rooms and cozy familyroom with spectacular views. Century old barn relocated to theproperty (52x30 main barn, 55x30 addition), providing amultitude of opportunities for home-based business or thehobbyist who needs space. On-ground pool. 1383 Effingham Street, Pelham | $589,900

In-Law Suite!Immaculate 4+1 bedroom, 2 storey, open concept, 3.5 baths,cathedral ceilings, hardwood, finished basement with in-law,large principal rooms, loft area on second floor perfect forhome office, fenced yard, and double car garage.84 Windwood Drive, Binbrook | $499,900

Welcome to Victoria ShoresThis beautifully finished 2+1 bedroom raised ranch. Features alarge living room and dining room, main floor master withensuite. Spacious eat-in kitchen w/deck walout. Backyard has18 x 33’ heated pool. Prof. finished hardscape. Fin. basementwith large rec room, games room, bedroom and a full bath. Dblgarage. Easy access to hiway, waterfront, walking trails.3364 South Shore Boulevard, Vineland | $624,900

Close to LakeBeautiful 2 bedroom Condo close to the lake includes newlaminate flooring throughout. Also, newly painted rooms andwell cared for building. All appliances included. This one will gofast!6 Westlake Lane, Unit 308, St. Catharines | $140,000

Seconds from Brock!2 storey home features 3 large bedrooms on upper level with4 piece bath. Main floor kitchen, dining room and large livingroom. Finished basement with 3 piece bath. Updated shingles,AC, fence (2015) basement bathroom and enlarged basementwindow within past 3 years. Very close to all bus routes andquick access to 406. 3 Romy Crescent, Thorold | $219,900

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Own your own vineyard!Approximately 28 Acres Parcel with 24 acres of vineyardplanted. 6 Acres-Sauv Blanc, 6 Acres-Gamay, 5 Acres-CabSauv, 5 Acres-Merlot, 1 Acre-Chardonnay, 1 Acre-SauvCoronation. Home has had some interior updates & new 3500gallon cistern. 4266 Greenlane, Beamsville | $1,199,900

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Business Opportunity - RM2 Zoning¾ acre site centrally located in the downtown area, permitteduses; apartment dwelling, boarding or lodging dwelling, homefor the aged, nursing home, group home, private homedaycare. Call for details on permitted uses.Lot #201 Academy Street, Beamsville | $369,900

BUILDING LOT

Brick Victorian on 99.39 acres of veryproductive farm land70 acres workable & 30 acres of bush, large 2.5 storey 4 bedrm brick Victorian farm house with large barn &workshop. New cistern 3yrs, new septic 1 yr, shingles &furnace 4 yrs. Possible 4 acre severance available call fordetails.489 Kemp Road West, Grimsby | $725,000

Great Opportunity for Country LivingCountry home on an acre lot w/a waterfall pond & gazebo inbackyard. 2 sheds, double garage with 9 car parking &stamped concrete. Main flr master BR w/his & her closets &ensuite w/new shower. Custom kitch, ceramic flrs & hrdwd.2nd flr w/loft & 3 bedrooms. Fin. bsmnt w/theater/gamesrm/gym & bath.2281 Silverdale Road, West Lincoln | $499,900

Circa 1864 Manor!Beautifully restored country manor with addition on 21.3 acresbordering Beamer Falls and the Bruce Trail. This classic redbrick home is located 5 minutes from Grimsby’s town centre.Call for details.140 Ridge Road, Grimsby | $1,289,900

21.3 ACRES 99.39 ACRES

29 ACRES

Commercial LeaseExcellent bright office space most recently occupied by musicteacher, set in well maintained building. Excellent exposure.Base Rent ($1200) + Utilities ($150), 4 offices approx. 650sq.ft. Unique opportunity for a lawyer, accountant, realtor. 2-166 Main Street East, Grimsby | $1200/mo + Utilities

21 Acres - 16 acres vines planted!Approx 21 acres property with 16 acres of vines planted. Buildyour dream on lakefront parcel or create your own winery. Canbe purchased with adjoining Lakeside Dr property. GreatOpportunity! 4921 Sann Road, Beamsville | $1,499,900

WATERFRONT LEASE

1 Bedroom ApartmentThis ready to go, sunny & quiet 1200 sq.ft. top floor studio is ina fantastic area, waiting just for you! Boasting closets, sep.kitch w/appliances, plenty of space for a queen size bed,furniture, dining set & more. Rent+utilities. Min. 1yr. lease, nosmoking. 3-166 Main Street East, Grimsby | $1275/mo + Utilities

LEASE

8 acres of Merlot currently planted withWater Views!Water Views! Approx 19 acre parcel with fantastic views of thewater. Farmhouse currently rented. Great opportunities! Canbe purchased with adjoining Sann Road property. GreatOpportunity! 4558 Lakeside Drive, Beamsville | $1,199,900

Views of the Canadian and US shores 5 bedroom home on the most prestigious street in NiagaraFalls includes in-law w/nanny suite, in-ground pool, sunroomw/built in hot tub, landscaped yard w/sprinkler system, eat inkitch, family room w/wood fireplace. Updates: roof ‘12,Furnace ‘13, AC in in-law suite, Water pump 14, interior &exterior painted in ‘12.10185 Niagara River Parkway, Niagara Falls | $799,900

WATERFRONT

Call Today 905-575-7700


www.GolfiTeam.com

MarketplaceMarketplace

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]

Laura BielakSales Representative, The Golfi Team 905-575-7700

provides “Peace

of Mind”

Sandra Bahoric Certified home staging and redesign

professional, Member of RESA

905.912.8781homesmartsstaging.ca

NEW!

OUR SERVICES: • home evaluation and color consultations• home staging• redesign• real estate photography and advertising• personal shopping for home décor and decorating• Feng Shui consultations

Real Estate package special: • home evaluation consultation with color consultation• HD Real Estate photography and aerial photography

Call Home Smarts now for a free intro consultation!

Buying a homethrough us?

Crossword Solution

if you’d like to learn how Bni(www.bnigh.com) works and what it cando for your business, call or email me [email protected].

i can arrange for you to visit a chaptermeeting close to you so you can see howBni helps members develop referralbusiness relationships.

two Bni chapters in the Gta recentlyreported referral business totaling $1m forthe past year!

“Changing The Way The World Does Business™”

289-442-7388 [email protected]

Free Estimate!

No Job Too Big or Too Small

Are you sellingyour home?Does the interior or exterior need some work to get it intoselling condition?

CM Drafting Design inC.Residential and Commercial Architectural Drafting and Design

www.cmdraftingdesigninc.com

OveR 50 yeARs expeRienCespecializing in Custom Home Design

single Family HomesTownhouses and Multi-Family Developments

Lease Hold improvementssmall Commercial Building and more…

CALL Us AT 905-945-9999530 north service Rd., Unit 2, Grimsby, On L3M 4e8

Purchase Financing available OAC

MortgageAmount

MonthlyPayment

Bi-weeklyPayment

$200,000 $651.55 $300.59$220,000 $716.70 $330.65$240,000 $781.86 $360.70$260,000 $847.01 $390.76$280,000 $912.17 $420.82$300,000 $977.32 $450.88$320,000 $1,042.48 $480.94$340,000 $1,107.63 $511.00$360,000 $1,172.79 $541.06$380,000 $1,237.94 $571.11$400,000 $1,303.09 $601.17

As of October 2015 OAC

1.85%

Thanks Expert Mortgage! C.S.”

www.GolfiTeam.com


Crossword puzzle

Across1 Singers (9)8 Skimpy undergarment (5)9 Cosmetic applied to the cheeks (7)10 Predicted (8)11 Ripped (4)13 Antagonism (6)14 Punctual (6)16 Mood of sullen aloofness (4)17 Deep fissure (8)19 Caught fire (7)20 Excessively fat (5)21 Irritability (9)

Down

1 Lead a dull and inactive life (8)2 Shade of blue (6)3 Extol (4)4 The classroom (anag) (12)5 Reinforced (12)6 Pompous person (7,5)7 Costa del Sol resort (12)12 Prior (8)15 One who is obliged to do menial

work (6)18 Small case for sewing accessories

(4)

the Solution

8 3

3 1 4 2

7 6

6 2 13

7 9

5 8 49

1 3

6 3 5 8

3 1 4

SUDOKUSUDOKU

249685 713

863157 429

751926 348

692541 837

314768 952

578234 196

187493 265

426379 58

935812 674

1

4

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.

(Solution on Page 10)

PURCHASE FINANCING AVAILABLE OAC

3 Tips for Single

Female Home Buyers

Many single women like Lorenzoare buying their own homes. Infact, it is much more common

for single women than single men to pur-chase a home. Here are three financialtips for prospective home buyers.

1. Know what you can affordAffordability is a huge issue. That

means not only affording the mortgagebut also the taxes, the maintenance, theinsurance and having money set aside foremergencies.

The conventional wisdom for a downpayment has not changed. Expect to putdown 20 per cent for the mortgage. At thesame time, have an emergency fund tocover at least six months of expenses,experts say.

Even if you are purchasing a newproperty, you will need a reserve to coverrepairs. Remember that you have to payproperty taxes, too. A good way to makesure that you can is to divide the tax billby 12 and set the money aside eachmonth.

A spreadsheet can help you figure outall the costs of owning the property. Usean online housing calculator to figure outwhat you can afford.

2. Protect your assetsWhen you are buying a property alone

it becomes even more important that youhave adequate insurance coverage. Thatincludes life, disability as well as health-care insurance.

You might also want to look into set-ting up a trust so that the proceeds fromyour insurance policies go to your inde-pendent beneficiary if something hap-pens to you.

If you get married or live common-law, you can also look into shielding yourhome in the event of a divorce with aprenuptial agreement or a co-habitationagreement.

3. Consult experts and take your timeSince buying a home is one of the

biggest financial decisions most peoplemake, it is a good idea to work with a realestate agent and consult with a financialadviser. Do your research and take yourtime.


Call Today 905-575-7700www.GolfiTeam.com

Golfi Team Feature HomeRob Golfi*

39 Edgewater Drive, Stoney Creek • $869,900

MILLION DOLLAR VIEW IS FREE - Steps tothe Newport Marina! Lakefront freehold showslike a dream! This home features gorgeous front

doors opening into grand foyer with Travertine tile lookinginto open and inviting floor plan with sun filled rooms.Stylish kitchen with granite counters tops, duel fuel gasstove with double ovens, built-in microwave oven, stain-less steel appliances and under mount lighting. Travertinefloors in foyer, main bath and patio. Beautiful handscraped oak hardwood floors throughout with oak stair-case, updated bathroom with glass shower and in floorheating. Large master suite with large walk in closet andhotel style ensuite. 8ft. sliding doors leading to Travertinepatio with spa/hot tub built into deck. Professionallylandscaped backyard with water’s edge patio overlookingLake Ontario

Features:Waterfront • Automatic garage door opener • Bedroom

level laundry • Central vacuum • Eat-in kitchen • Ensuitebathroom • Hardwood floor • No carpeting • Sauna •Separate dining room • Walk-in closet • Gas & electricfireplace • Full, unfinished basement • Central air condi-tioning • Attached double garage w/inside entry & doubledrive

WATERFRONT

october 2015 issue 115

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