sept. 1, 2009 issue 3

Sell Your Home with the GOLFI TEAMThe GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada

RE/MAX has over 18,000 Sales Representatives in Canada

Sharon StaffordSales

Representative

Jeff StoneSales

Representative

Heather ReidSales

Representative

Hans MarcelissenSales

Representative

Wendy Murray-Nicholson*Sales

Representative

Karen HineMedia/Marketing

Client Relations Rep

Sarah DallicardilloAdministrative

Assistant

Rosemary FournierAdministrative

Assistant

Rob GolfiSales Representative

20 Kitty Murray Lane, AncasterThanks Rob! My home sold faster than I ever imagined.Because of the team approach, we experienced multipleoffers within days of being on the market, we got morethan asking, actually more than what the units in ourcomplex usually sell for! It would be an understatementto say we are more than pleased. You were right Rob: Moreservice, More agents equal’s More money!

Michelle

September 2009 - Vol 9

SSOOLLDD

AANNOOTTHHEERR

OONNEE

just listed

1751 Caistor Centre Rd.

WEST LINCOLN $469,900Custom built 2650 sq ft country home. 4 huge bedrooms,aggregate patio off country kitchen done in solid maple. Formaldining room, main floor den, spacious family room open to thekitchen. Only 15 minutes to Hamilton.

Visit www.RobGolfi.com for more details.

CODE # KM20

CODE # CC1751

MarketWatch_September09.qxd:MarketWatch_Transfer.qxd 02/09/09 5:54 PM

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 inan effort 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 ofFame, and the LifetimeAchievement Award in 2006.Having worked with many ofthe industry’s professionalsover the years, he has the

necessary edge to best negotiatethe 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 to

represent your best interest. -Å

About Rob Golfi

by: 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.

6 3 8 1 27

4 6 3 1

1 9 8

7 8 1 4

4 1 5 2 9

3 5 12 7

98 1

3 1 6 4 2

6

"I know I'm not a realtor anymore, but I can't stop thinking

about how much city folks would pay for an acre of this!"

The GOLFI TEAM Real Estate Market Watch September 2009

S U D O K US U D O K U

What is MLS?Almost anyone has seen or

heard the term MLS, but few peopleactually know exactly what MLS isor understand how it plays animportant role in today's real estatemarket.

The MLS system or theMultiple Listing Service is an infor-mation sharing and co-operativemarketing network created to helpbuy and sell homes. Today it isonline based but it began as anexchange of paper listing informa-tion and photographs.

The MLS is paid for by the real-tor members of the local real estateassociation. It symbolizes the coop-eration among realtors to effect thepurchase and sale of real estate. It ismuch more than a database of prop-erty information though. It is thelocal real estate association thatadministers and operates the localMLS system. The Canadian RealEstate Association (CREA) ownsthe trademark and licenses its use toboards and associations acrossCanada.

MLS makes the real estateindustry unique by encouraging ahigh degree of cooperation amongsalespeople. For example, if you areshopping for a car and you visit alocal dealer, the salesperson's goalis to sell you a car from that car lot.They won't provide you with infor-mation on cars available at othercompeting dealerships. In the realestate industry, the opposite is true.MLS allows for cooperationbetween all realtors no matter whichcompany they work for.

If you are selling a propertywith a realtor who uses MLS it

means your property will get themaximum marketing exposure to allother members of the local associa-tion. You'll have realtors every-where trying to find a buyer foryour home. It is the MLS computersystem that will provide other mem-bers of the real estate associationwith detailed information aboutyour home.

If you are buying a property,MLS is a valuable research tool foryour realtor. The realtor can inputthe criteria you want and generate alist of all properties that meet yourrequirements or needs. Thesehomes might be listed by other real-tors or your own realtor. The goal isto help you find the property youwant. MLS supplements the real-tors in-depth knowledge of theneighborhood and current marketconditions to help you make a wisebuying decision. The MLS systemprovides realtors with access tomuch more detailed informationthan you will find on a public web-site. MLS information in mostcases, will include room measure-ments, specifics on the propertycondition, renovations, appliances,property zoning and tax informa-tion. Through the system, realtorscan also access the sales history of ahome in order to see how manytimes it has changed hands and whatthe selling price(s) were.

Whether you are buying or sell-ing, MLS is much more than 3 littlewords, it is truly an indispensabletool for you and your realtor.

Source - Canadian Real Estate

Association

MarketWatch_September09.qxd:MarketWatch_Transfer.qxd 02/09/09 5:54 PM Page 2

Selling yourHome?

HomeEvaluations

No Cost or Obligation

Call Rob Golfi today

905-945-0188NOT INTENDED TO SOLICIT PROPERTIES

CURRENTLY LISTED FOR SALE.

GRIMSBY $244,900

Huge Pie-Shaped Lot!Great location for this 4 level back split with3+1 bedrooms. Separate dining room, eat-inkitchen and finished rec room. Convenientinside entry from garage. Newer windows, roof,garage door and central air.

GRIMSBY $789,900

Country LivingCustom Colonial on 48 acres! 3 bedrooms withfull finished attic. Master has 5pc ensuite w/euroshower and spa tub plus cedar lined closet. ¾”Oak plank floors, solid birch kitchen w/granitecounters and cozy fireplace.

GRIMSBY $669,900

Waterfront!!3+1 bedroom in Bal Harbour with gleaminghardwood floors & new broadloom. Great roomhas wall-to-wall windows and spectacular lakeviews. Several walkouts to backyard paradisewith heated inground pool surrounded byamazing perennial gardens.

GRIMSBY $569,900

Waterfront!Waterfront!! 4 bedroom home with gleaminghardwood floors, custom kitchen/great roomwith wall to wall windows and tremendouslakeviews. Awesome Master bedroom retreatwith private balcony.

GRIMSBY $189,900

So Much Space!2 bedroom condo. In-suite laundry, brightkitchen and formal dining area. Living roomwith slider to balcony. Huge master has walk-incloset, 4pc ensuite w/whirlpool tub and privatebalcony. Tennis court and indoor pool.

GRIMSBY $649,900

42.22 AcresBungalow with 2 wood burning fireplaces,hardwoods in all 3 bedrooms and living room.Updates include: windows, alarm system, roof,shingles, furnace and water softener. Secondkitchen in basement with cold storage.

GRIMSBY $349,9OO

Totally RenovatedSprawling bungalow completely re-done.3 bedrooms, 2-4pc baths, hardwoods throughoutmain level. Open concept kitchen with islandwith beautiful ceramic backsplash, built-in andwashed oak cabinetry. Just move in and relax.

GRIMSBY $479,900

First Class!2750 sq ft in executive neighbourhood close tothe lake. 4 bedroom has loads of updates:carpets, shingles, ensuite with claw tub and glassshower, hi-eff furnace and more! Beautifulhardwoods and gorgeous fireplace.

GRIMSBY $499,900

Side-by-Side In-LawIdeal in-law set-up! 2 homes, both 1500 sq ftwith lots of updates - situated on 8.4 acres withtotally separate utilities. Great set-up for horseswith 4 stalls barn with run in, hydro and water, 2fenced paddocks and more.

GRIMSBY $549,900

Minutes to Downtown & QEWPossibly the best view in the Peninsula! Rare4+2 bedroom split level well positioned abovethe ridge on 2.88 acres. Huge balcony enjoyinga superb escarpment and lake view. Naturelovers delight in private grounds close to town.

GRIMSBY $214,900

Grimsby Beach!Unique features include slate flooring, customfieldstone & roundstone work, original pineplank floors, custom cast iron doors & trim,antique Godin wood stove. 2 bedrooms, den andloft, upper balcony with Lakeviews.

GRIMSBY $329,900

Breathtaking!Dramatic and impressive design! 3 bedroomwith open concept main floor and spaciousupper level with open rail overlooking livingroom. Formal dining area, vaulted ceilings in theliving room with gas fireplace.

Call Today 905-945-0188

Rob Golfi*

Grimsby Homes

Remember !!View any of the listings in this publication at

www.robgolfi.comExtra Pictures, More Details - Check it out!

September 2009 The GOLFI TEAM Real Estate Market Watch

CODE # S26 CODE # J20 CODE # S29

GRIMSBY $309,900

Solid Split LevelLocation-Location!! 4 level split, 3+2 bedrooms,2 baths and sauna. 3 season sunroom off thehuge eat-in kitchen. Beautiful hardwood Cherryand Oak floors on main floor. Private balconyoff master suite. Walk to the Lake and parks.

CODE # BH5

CODE # B227 CODE # T398 CODE # R98

CODE # C33 CODE # M566 CODE # W58 CODE # C8

CODE # L120 CODE # M7816

esCARPMeNt

2.88 ACRes

CoNdo

+ eNsuite

1 ACRe

48 ACRes

WAteRfRoNt

iN-lAW

8 ACRes

SSOOLLDD

AANNOOTTHHEERR

OONNEE


RBC Royal Bank constructionmortgage can provide thefinancing you need to create

the custom home you wantMany Canadians are choosing to

build custom homes with special featuresto suit their lifestyles and personal tastes.While building your own home can be acreative and exciting experience, it canalso present some complicated financialchallenges. Here's where your RBCRoyal Bank mobile mortgage specialistcomes in. With an in-depth knowledge ofconstruction mortgages, we can give youthe support you need from start…….tofinish.

STAGE 1: GETTING STARTEDBefore you apply for a construction

mortgage, its important to first establish arealistic budget and finalize your build-ing plans with your contractor or builder.The key to a successful construction proj-ect is for you and your contractor to agreeup-front on a detailed plan, budget andtimeline. The more thorough your plan-ning, the fewer unexpected surprises andcosts there will be down the road.

HERE ARE A FEW THINGS TO

KEEP IN MIND:1. Make sure the zoning for your lotallows for residential construction. 2. Find out if the builder/contractor is amember of a recognized third-party new-home warranty program. 3. Have a good understanding of all thepotential construction costs involved,including

• Engineer's or architect's fees fordrafting your house plans

• Site clearing• Servicing costs, including building

permits and permits for wells, septic sys-tems and hydro

• Base home costs (foundation, fram-ing, windows, doors, roofing)

• External upgrades like stone, stucco• Internal upgrades like flooring,light-

ing and cabinetry for kitchens and bath-rooms

• Sodding or seeding your lot• Paving driveway

4. Factor in a contingency budge of least

10% for cost overruns.(This is notrequired if you are having a home con-structed from a builders list of approvedhouse plans and upgrades)

Understanding the bank's fundingrequirements, along with your contrac-tor's preferred payments schedule duringeach phase of construction, is key. Youwill need to work out a payment schedulewith your builder/contractor that supportsthese funding requirements. Most con-tractors require payments in stages, typi-cally after the foundation is in, once theframing is up, after the interior is finishedand at completion of the entire project.

STAGE 2: APPLYING FOR YOUR

CONSTRUCTION MORTGAGEYou can apply for your mortgage and

lock in your interest rate before construc-tion begins. Your mobile mortgage spe-cialist will review with you the widerange of terms and amortization periodsthat we offer to help you choose theoption that best suits your needs.

STAGE 3: WATCHING YOUR

HOME TAKE SHAPEOnce your construction mortgage is

approved, your rate guarantee begins.The starting date of your rate guarantee iscalled the Commitment Start Date(CSD), and your rate is guaranteed for 90days form the CSD. This means you musttake your first draw within 90 days, or annew rate commitment will be establishedbased on current rates. You have one yearfrom the CSD to complete the construc-tion of your home. At key stages in theconstruction process, you will accessfunds from your approved mortgagethrough draws, in order to pay your con-tractor. A standard Royal Bank construc-tion mortgage provides five draws overthe one-year period.

Financing land through the firstdraw: This is only available forconventional transactions where youhave a minimum 20% down payment. Ifyou are financing the purchase of a lot,the first draw will be used to help pay forit, to a maximum of 65% of the appraisedvalue. After the first draw for the lot, youwill have up to 180 days to ensure the

foundation and backfill stage iscompleted.

While the home is being built, youpay interest only on the total amountdrawn to date.

Throughout the various phases ofconstruction, your contractor will requestfunds from you to complete a specificjob, such as laying the foundation. At thispoint you simply advise us that a draw offunds is requested and we'll send out anappraiser to inspect your home site anddetermine the amount of work that hasbeen completed. The draw amount willbe calculated based on this inspection toensure enough funds are held back by thebank for the completion of your home.We will send the draw amount to yourlawyer, who will then release the funds toyou. It is important to note that your

lawyer will hold back a percentage ofeach draw (from 7.5%-20%, dependingon provincial requirements) under yourprovincial Construction Lien Act. Thisgovernment requirement helps ensurethat tradespeople and suppliers get paidfor work completed and that there are noliens filed against the property. Yourlawyer will release the holdback amountto you 30-60 days after construction iscomplete, depending upon the require-ments in your province.

If you would like more informationin regards to Construction Mortgages,call Sue Ippolito at 905 648-8567, RBCMortgage Mobile Specialist in theAncaster, Hamilton, Stoney Creek,andsurrounding areas. -

Maximum Exposure Sells Your HomeCall the Golfi Team to get your Home Sold

905-575-7700 or 905-945-0188www.golfiteam.com

The GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada.

AMORTIZATION CHARTMonthly payment per $1,000

Length of Mortgage (Amortization Period)

Example $150,000 at 20yr at 3.0%: 150 x 5.54 = $831.00 /month

InterestRate (%)

5 yr 10 yr 15 yr 20 yr 25 yr 30 yr 35 yr

3.00 17.96 9.65 6.90 5.54 4.73 4.21 3.84

3.50 18.18 9.88 7.14 5.79 4.99 4.48 4.12

4.00 18.40 10.11 7.38 6.04 5.26 4.76 4.41

4.50 18.62 10.34 7.63 6.30 5.53 5.04 4.71

5.00 18.85 10.58 7.88 6.57 5.82 5.34 5.01

5.50 19.07 10.82 8.14 6.84 6.10 5.64 5.33

6.00 19.30 11.07 8.40 7.12 6.40 5.95 5.65

6.50 19.53 11.31 8.66 7.41 6.70 6.26 5.98

7.00 19.75 11.56 8.93 7.69 7.00 6.59 6.32

7.50 19.98 11.81 9.21 7.99 7.32 6.91 6.66

8.00 20.21 12.06 9.48 8.28 7.63 7.25 7.01

8.50 20.45 12.32 9.76 8.59 7.95 7.59 7.36

9.00 20.68 12.58 10.05 8.89 8.28 7.93 7.72

9.50 20.91 12.84 10.33 9.20 8.61 8.28 8.08

10.00 21.15 13.10 10.62 9.52 8.94 8.63 8.44

10.50 21.38 13.37 10.92 9.83 9.28 8.98 8.81

11.00 21.62 13.64 11.21 10.16 9.63 9.34 9.18

11.50 21.86 13.91 11.51 10.48 9.97 9.70 9.55

12.00 22.10 14.18 11.82 10.81 10.32 10.06 9.93


Planning to BuildYour Dream Home?by: Sue Ippolito

RBC Mortgage Specialist

Garage FloorsIn an area where a large amount of oil has spilled,lay several thicknesses of newspaper. Saturatethe paper with water and press flat against thefloor. When dry, remove the newspaper and spotswill have disappeared.

History ChartAverage Selling Price for Detached Homes

LOWER UPPER EAST WEST CENTRAL HAMILTON

YEAR STONEY CREEK STONEY CREEK HAMILTON HAMILTON HAMILTON MOUNTAIN ANCASTER DUNDAS GRIMSBY SMITHVILLE LINCOLN BURLINGTON

1985 $80,942 $79,137 $56,479 $66,183 $42,253 $73,520 $125,745 $91,210 $82,450 $65,870 N/A $107,325

1990 $194,027 $184,470 $129,776 $168,413 $116,253 $161,153 $266,681 $209,070 $190,117 $146,557 $155,381 $217,824

1995 $157,811 $160,651 $106,711 $141,665 $82,527 $134,705 $211,505 $165,318 $149,230 $124,002 $132,368 $202,473

2000 $184,130 $177,745 $119,461 $151,572 $89,828 $152,677 $252,164 $194,402 $191,177 $164,699 $164,839 $254,074

2005 $263,252 $263,245 $159,859 $228,813 $123,084 $214,749 $372,585 $288,193 $289,975 $220,649 $240,143 $371,100

2006 $279,816 $279,951 $166,363 $238,338 $130,693 $222,765 $385,046 $317,238 $305,964 $233,243 $268,673 $394,798

2007 $289,651 $284,280 $180,614 $257,108 $137,370 $236,621 $427,272 $331,272 $306,477 $253,259 $275,085 $428,599

2008 $310,131 $293,571 $186,031 $267,973 $148,432 $243,239 $431,561 $329,752 $321,451 $246,381 $301,542 $449,261

2009 (YTD) $297,476 $298,458 $180,283 $275,908 $143,979 $243,150 $427,644 $350,925 $327,327 $235,600 $292,241 $435,470


STONEY CREEK $259,900

Freehold End Unit1450 sq ft freehold end unit. 3 bedrooms,awesome custom kitchen with granitecounter & breakfast bar, dinette with baywindow & garden door to yard.Gleaming Maple floors throughout andoak staircase.

UPPER STONEY CREEK $272,900

Fabulous TownhomeUnique layout for this fabulous end unit!All bedrooms are is different areasoffering lots of privacy. Master suite ishuge! Formal dining area and kitchenw/breakfast bar and granite countertops.Amazing patio to relax and enjoy.


BIG 4-Level BacksplitIn-law set up with separate entrance and2 bedrooms. Terrific 4+2 bedroom homewith updated windows and shingles.Spacious family room with walk-out tofenced yard. Concrete drive and sprinklersystem.

Call Today 905-945-0188


CODE # UMA242 CODE # M13


Steps to the Lake!Executive living in this 4 bedroom withover $42,000 in upgrades! GleamingMirage hardwood floors, granitecountertops, pantry & butlers servicewalk. 3 full baths on the upper level!Double Door entry to master suite!

CODE # F90

CODE # P27


3+2 BedroomWalk to the dairy!! Totally renovated topto bottom, this 3+2 bedroom raised ranchis set to sell! Gleaming hardwoods,Lower level perfect set up for in-law withseparate entrance and kitchen. Huge lot –don’t hesitate!

CODE # KE169


Backs onto Turtle SanctuaryRare opportunity! Live in or rebuild onthis huge lot. Updated plumbing,electrical, roof and more. Backing ontoTurtle Pond with view of lake. Shares inneighbourhood lakefront park.Designated environmentally sensitivearea.


Steps to the LakeSolid 2 storey amongst executive homesin beautiful Lakefront community.4 bedrooms, 2 with walk-ins, the mastersuite with 4pc ensuite. Beautiful kitchenwith Maple cabinetry & ceramics. Openconcept and gleaming hardwoods.


Bungalow with ShopBrick bungalow on ½ acre! 3+2bedrooms, eat-in kitchen, huge livingroom with gas fireplace and French doorsto dining room. Updated shingles. 990sqft 2 storey workshop insulated & heatedwith mechanics pit.


Lakefront Oasis!Waterfront with riparian rights andprivate dock. A resort in your ownbackyard ‘Casa Seabreeze’!! Hardwoodfloors, sunken family room with picturewindow and view of Toronto Skyline.Luxury Master suite w/decadent ensuiteand private balcony overlooking theLake.


Attention Investors!Duplex with fantastic income or In-lawpotential. Great location for commuterswith quick QEW access, close to Hwy 8.Deep creek side lot, get your green-thumb going!


Finished Rec RoomImmaculate unit, finished top to bottom.3 bedrooms, 1.5 baths and finished recroom plus fenced private patio from thedinette area. Ceramics, laminates andbroadloom throughout. Walk to parks,lake and waterfront trail.


W O W ! FactorIncredible open concept! 3+1 bedroom withupgrades beyond the ordinary! Custom kitchen,fully finished basement, beautifully landscaped,decorated like a magazine centre spread!! Allthe bells and whistles here, put it on your mustsee list!


Bungalow with In-LawTerrific crescent location great for retireeor young family. Fully finishedbasement, hardwood floors in livingroom, dinette and bedrooms. In-law suiteset-up, 30 year shingles! Large lot 50 x112 lot and fully fenced yard.

CODE # F7 CODE # H81191


Raised RanchRe-done and ready to go! Gleaminghardwood throughout the main level ofthis spacious 3 bedroom home. Freshlypainted and updated. Lower level with afinished family room as well as gamesroom.

CODE # A77 CODE # F196

CODE # W24

CODE # S70

CODE # F76

CODE # B3 CODE # D7

Remember !!View any of the listings in this publication at

www.RobGolfi.comExtra Pictures, More Details - Check it out!

WAteRfRoNt

Must see

iNside

iN-lAW

duPleX

SSOOLLDD

AANNOOTTHHEERR

OONNEE

Rob Golfi*

Stoney Creek and Winona


CLUES ACROSS

1. Greater in number

5. Fr. Airbus mfg. Co.

9. Droop

12. Large horned wild goat

13. White (French)

15. ____llion: uprising

16. College army

17. Swampy plantation inlet

18. Telephone inventor

19. Point midway between E and SE

20. _______ and ruined

22. Payment (abbr.)

25. Invests in little enterprises

26. Podetiums

28. Drive obliquely, as of a nail

29. Adult male sheep

32. Long tailed rodent

33. Apia is the capital

35. RN organization

36. ___ Dhabi, Arabian capital

37. Regretful

39. Tibetan gazelle

40. 1961 Heston movie “El ___”

41. Nests of pheasants

43. Pinna

44. Point midway between NE and E

45. Fish eggs

46. Atrophy

48. Porkers

49. Potato state (abbr.)

50. Defaming remark

54. The cry made by sheep

57. Swiss river

58. A fencing sword

62. Almemar

64. Grave

65. Saunter

66. Lumbus

67. Former CIA

68. Being of slender build

69. Destinies

CLUES DOWN

1. Russian orbital station

2. Double-reed instrument

3. In a way, drenches

4. Demur

5. The outward flow of the tide

6. An insect wing

7. “Pillow Talk” actress Doris

8. Sean White glider

9. Try and locate

10. Competent

11. To deprive

14. Radioactivity unit

15. Corpuscle count (abbr.)

21. Atomic #89

23. More (Spanish)

24. Afternoon receptions

25. Building floors

26. Oral polio vaccine

27. Short solo composition

29. Finger millet

30. Dwarf buffaloes

31. Picasso’s mistress

32. Competition of speed

34. Embroiders initials

38. Abominable snowman

42. Not happy

45. _____: Grossenhain Ger. District

47. Muddled speach

48. Palladium

50. Figure skater Yuka

51. A country in SE Asia

52. Military weapons

53. Bird beak

55. Longest division of geological

time

56. Among

59. Where wine ferments (abbr.)

60. ___ Lilly, drug company

61. Radioactivity unit

63. Autonomic nervous system

Examples (Price-Tax)

The information contained on this page is for estimation purposes only andapplies to the sale of Ontario Residential properties only. Your actual OntarioLand Transfer Tax should be independently calculated and verified. The realestate board nor any of its advertisers shall ave any liability for the accuracy ofthe information contained on this page.

$55,000 - $275

$65,000 - $375

$75,000 - $475

$85,000 - $575

$95,000 - $675

$100,000-$725

$110,000-$825

$120,000-$925

$130,000-$1025

$140,000 - $1125

$150,000 - $1225

$160,000 - $1325

$170,000 - $1425

$180,000 - $1525

$190,000 - $1625

$200,000 - $1725

$210,000 - $1825

$220,000 - $1925

$230,000 - $2025

$240,000 - $2125

$250,000 - $2225

$260,000 - $2375

$270,000 - $2525

$280,000 - $2675

$290,000 - $2825

$300,000 - $2975

$325,000 - $3350

$350,000 - $3725

$400,000 - $4475

$425,000 - $4975

$450,000 - $5475

$500,000 - $6475

$525,000 - $6975

$550,000 - $7475

$600,000 - $8475

$650,000 - $9475

$700,000 - $10,475

$725,000 - $10,975

$750,000 - $11,475

$800,000 - $12,475

$825,000 - $12,975

$850,000 - $13,475

$900,000 - $14,475

$925,000 - $14,975

$950,000 - $15,475

$975,000 - $15,975

$1,000,000 - $16,475

SeptemberCrosswordPuzzle(Solution on Page 10)



www.golfiteam.comSharon Stafford* Jeff Stone* Heather Reid* Hans Marcelissen* Wendy Murray*

Nicholson*Sales Representatives

Land Transfer Tax

Calculation For Residential

Transaction in Ontario


Yummy Zucchini Loaf

Don't let anything from an overflowinggarden of zucchini go to waste. Bakesome loaves to enjoy with fruit fordessert, a quick snack or evenbreakfast on the run.

Servings: 1 loaf

Ingredients:

2 cups (500 mL) all-purpose flour1 tbsp (15 mL) baking powder1 tsp (5 mL) cinnamon1/2 tsp (2 mL) salt1/4 tsp (1 mL) nutmeg1 egg3/4 cup (175 mL) packed brown sugar1/2 cup (125 mL) each vegetable oil and milk2 tsp (10 mL) vanilla1-1/2 cups (375 mL) grated (unpeeled) zucchini1/2 cup (125 mL) chopped walnuts (optional)

Directions:

In bowl, stir together flour, baking powder, cinnamon, salt andnutmeg.

In separate bowl, whisk together egg, brown sugar, vegetable oil,milk, and vanilla. Stir in zucchini, and walnuts (if using). Pour overdry ingredients; stir just until combined. Scrape into greased 8- x4-inch (1.5 L) loaf pan.

Bake in centre of 350°F (180°C) oven for 1 hour or until caketester inserted in centre comes out clean. Let cool in pan on rackfor 10 minutes. Turn out onto rack; let cool completely.

Rob's Favourite Recipes!


ANCASTER $249,900

Upscale Condo Open layout and tastefully decorated.Bungalow condo close to theMeadowlands in Ancaster. Fully finishedtop to bottom. Master bedroom withensuite privilege and walk-in closet.Corner gas fireplace and slider to privatepatio.

CODE # KM20

HAMILTON MOUNTAIN $279,900

Character & CharmTuscan charm touched by Victorianstyle! 4 bedroom beauty with inlaidwalnut floors, gorgeous kitchen,professionally landscaped yard. Exposedbrickwork and beamed ceilings.

CODE # B20

Call Today 905-945-0188

Selling yourHome?

HomeEvaluations





ANCASTER $549,900

Scenic Woods Location4+1 bedroom professionally finished top tobottom! Upgrades galore. Premium lot backingonto Conservation land and Bruce Trail, naturelovers dream location. Formal living room, hugefamily room, so much space!


Priced to Go!Affordable 3 bedroom priced to go! Eat-in kitchen, spacious living room,hardwood floors. Fenced yard and plentyof parking. Close to schools, shoppingand the Linc. Great starter home orinvestment property.

HAMILTON $134,900

Why Rent?Very affordable 2 bedroom located witheasy access to the link. Many updatesincluding central air, new furnace,updated shingles, and most windows. Eatin kitchen and main floor laundry.2 driveways and very big back yard.

BINBROOK $344,900

Binbrook TreasureNearly new 4 bedroom in terrificneighbourhood. Finished basement, openconcept main floor and convenientbedroom level laundry. Formal diningroom, eat-in kitchen with slider to party-sized deck and fully fenced yard.

HAMILTON CENTRE $159,900

Larger than life! Fabulous kitchen with walk-in pantryand ceramic floors. Huge living roomwith hardwood floors. 3 bedrooms, mainbath with whirlpool tub. Many updatesand basement with high ceiling. NearGage Park & Ivor Wynn Stadium!

HAMILTON $469,900

Upgrades Top to Bottom1 year old custom built beauty.4 bedroom fully finished top to bottomwith over $30,000 spent in upgrades.Huge family room and custom kitchen.Gleaming hardwood, porcelain floors.Open foyer to upper level. Terrific poolsized lot.


Excellent LocationGreat neighbourhood! 4+1 bedroom withtons of room! Eat-in kitchen, Frenchdoors to family room with walk-out to aprivate yard. Many updates including Hi-eff furnace, marble flooring, windowsand more!

HAMILTON $679,900

Great Commercial Location5300 sq ft fully concrete building, formercar dealership with 6 bay shop, car lot for45 cars, parts or showroom, waiting area,and service area. 2 floors, 4 offices.Excellent location on Main Street, highlyvisible and easily accessible building.

HAMILTON CENTRAL $169,900

Attention InvestorsLegal non-conforming duplex or largefamily home. Terrific for in-law set-up!Main floor with original trim, hardwoodfloors and fireplace. Updated plumbing,electrical and furnace. Fenced yard andparking for 2 cars. Check out theneighbourhood and see the potentialhere!

HAMILTON $179,900

Fabulous End Unit!Desirable end unit in fantastic mountainlocation. 3 bedrooms, huge master with3pc ensuite. Open concept main floorboasts kitchen with breakfast bar newercounter and backsplash and slider toprivate yard. Professionally finishedbasement.

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AANNOOTTHHEERR

OONNEE

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AANNOOTTHHEERR

OONNEE

Call Today 905-575-7700

Rob Golfi*

Hamilton Wentworth


Affordable!Close to conveniences on East Mountain.Gleaming hardwood floors in livingroom, dining room and 3 bedrooms.Terrific deck off eat-in kitchen to largeyard. Updates include windows, soffit,facia and eaves. Great location, don’thesitate!


CODE # D78 CODE # D20 CODE # R825 CODE # K818

CODE # M350

CODE # B225

HAMILTON EAST $249,500

Seeing is Believing!Loads of updates, just move in! 3+1bedroom priced to go! New kitchen andbaths, vinyl windows, shingles (2004),new bedroom floors, professionallyfinished basement. Huge lot with tripledrive! Fenced yard.

CODE # L52

CODE # g110 CODE # SC21CODE # W333

CODE # B37

CODE # D15-36

CoMMeRCiAl

iN-lAW

duPleX


Fabulous TownhomeUnique layout for this fabulous end unit!All bedrooms are is different areasoffering lots of privacy. Master suite ishuge! Formal dining area and kitchenw/breakfast bar and granite countertops.Amazing patio to relax and enjoy.

CODE # UMA242

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AANNOOTTHHEERR

OONNEE


www.golfiteam.com

The kitchen is no longer a gath-ering place like it was in the50's and 60's, when large coun-

try kitchens were the focal point of thefamily. Now they are designed to be effi-cient and time saving. Very few familieseat in the kitchen any longer. Those thatdo will wisely chose the proper remodel-ing scheme when they redo the kitchen.Often, people do not think of future homeowners when designing their kitchen, butinstead design to meet their own prefer-ences. That is okay, as long as the ownersplan on staying in their home forever. If,however, you wish to plan ahead for afuture home sale, then you need to take afew things into consideration whenredesigning your kitchen. Here, we willdiscuss current trends and what to look forin a new kitchen design.

What Leads In Trends?If you want to know what leads the

market in remodeling, look no furtherthan current high end homes. Theseexpensive homes pave the way in trends,and paying attention to what is being doneis critical if planning to sell at a later date.Then take note that about 90% of theremodeling ideas are driven by homes thatcost in the neighborhood of $500,000.00plus. These ideas trickle down to the mid-dle market, and are then incorporated bymany home builders.

Who Is Buying?Baby Boomers are growing older,

with the first retiring in 2007. They aregenerally set in their homes or plan for aretirement setting. Now, Gen X'ers arecoming up and look at things more differ-ently than Boomers. The Boomers arelooking to downsize, and Gen X'ers arefast coming into the age where their fam-ilies are growing, they are more affluent,and wish more space. When remodeling,keep this generation in mind.

What's Hot, What's NotWhat works yesterday will not work

today. A kitchen is dated the minute con-struction is finished. Building a classicand efficient kitchen takes a lot of home-work. Let's look at some of the hottesttrends in kitchen rebuilds:

1. Be sure to match your décor.Nothing sticks out more than an ultramodern kitchen in a shabby chic setting.Plan the kitchen around the theme of yourhome.

2. Countertops are the most regardeditem in a kitchen. Gone are the days whenFormica would do. Upscale homes gener-ally have granite or marble counter tops.They are beautiful and long lasting, but aword of caution is in order - they have atendency to absorb oils and stains.Although they can be cleaned, this is thedownside of these materials. You maywish to opt for the new composite coun-

tertops that are stain resistant, yet simulatethe more expensive (and heavier) marbleor granite countertop. Corian by Dupont isbecoming more fashionable these days.

3. Let lighting be the focus of yourkitchen. In a lot of kitchens, a single over-head light serves purpose. This is not onlyfrustrating for the chef but makes cookinga much less enjoyable experience. Akitchen needs to be well lit, yet have ahomey atmosphere. A smaller kitchen canbenefit from correct overhead lighting andtask specific lighting such as under cabi-nets, lighting the prep area. In largerkitchens lighting needs to be more func-tional, with areas such as cupboards and

drawers well lit. The trend for fluores-cents is past, and now we see recessedlighting installed over stoves, sinks, andprep areas. Keep in mind that it must notonly be functional, but add to the appealof the kitchen. According to research donefor this article, pewter lighting fixtures arethe current hot trend.

4. Flooring in the kitchen is essentialfor a well designed room. Try to applyflooring that contrasts with the appliancesand setting instead of matching it. Currenttrends are towards long plank flooring and

the more exotic darker hardwoods such asmahogany and cherry. Trending is terra-cotta, porcelain and even Spanish roofingtiles. The color goes deep in these materi-als and gives any kitchen a well designedlook.

Keeping up with the latest trends inkitchens can be a time consuming andexpensive job. Some people may feel thatmaking expensive upgrades to kitchensincreases the resale value. Although thiscan be true, there is a point where spend-ing money on remodeling is not to youradvantage. Remodeling Magazine's annu-al Cost vs. Value survey points out thatupgrading a kitchen can increase the value.

Other sources say that doing such things asresurfacing kitchen cabinets, replacingcountertops and replacing outdated appli-ances puts you in a position to do better onresale than a full modern upgrade.Whatever your choice, read up on kitchensand remodeling, and make your kitchenthe focal point of your home.

Joe Keca is a specialist in completebuilding and interior renovations with theHome Improvement Group. He can bereached at 905-309-5555. -

The Latest TrendsIn KitchenRemodeling:by: Joe Keca

Home Improvement Group


Dr. Kevin Leman is the authorof the book The Birth OrderConection, and he says

there’s definitely a link between wherekids rank in the pecking order, and theirbehavior. Here’s how it breaks down,courtesy of Psychologies magazine.

First Borns:Let’s start with FIRST BORNS.

Leman says these kids are natural leadersand high achievers – and this often comesfrom a sense of entitlement and superior-ity. They pay attention to detail and areorganized. But they can be moody andinsensitive to others’ feelings. They’realso bad at delegating, because they don’ttrust others as much as they trust them-selves. That’s why they’re often stressedout. In control, but stressed out.

Middle Children: The classic middle child is a people

pleaser who hates confrontation. They’reusually calm, down to earth and great lis-teners. And they make excellent negotia-tors. Middle kids are usually less driven

than their older sibling, but more eager tobe liked - that’s why they have troublesetting limits.

Last Borns:Then there are the LAST BORNS –

the babies of the family. Dr. Lemen saysthey’re the world’s cheerleaders. Theyusually have great people skills and loveto entertain. They make friends easilyand are good at making people feel athome. Last borns are also more likely totake risks – probably because they getbored quickly. They also fear rejectionand have a fairly short attention span.

Only Children: They’re task-oriented and tend to be

well organized and dependable. Onlychildren feel comfortable with responsi-bility, but they can be demanding andunforgiving – and they hate to admitthey’re wrong. They’re also sensitive,according to Dr. Lemen, and their feel-ings are easily hurt. But if you have anidea you want to get off the ground,they’re the people to go to.

So – does birth order reallyaffect your personality? F

or decades, scientists believedthat every person was stuckwith a basic “set point” of hap-

piness. Even big, life-altering events, likemarriage, divorce, or getting a new jobmay affect you for awhile, but eventuallyyou’d return to your previous set point ofhappiness. However, according to 225studies reviewed by psychologists at theUniversity of California, Riverside, ourhappiness level is more changeable thanthat. By changing the way we live, reactto situations and even what we eat, wecan increase our happiness. So here’show to create your own happiness.• Start with the basics, like getting

enough sleep and eating right. A studyfrom the University of Michigan foundthat getting an extra hour of sleep willmake you happier than getting a$60,000 raise! Certain foods will affectthe chemical composition in the brain.For instance eating asparagus or lob-ster will trigger your brain to start mak-ing serotonin, the “feel-good” chemi-cal.

• Next, let go of anger. According toPsychology Today, you may be doingmore harm than good when you puncha pillow or slam a door to release your

anger. That's because expressing angeractually INCREASES aggression.People are used to the idea that "vent-ing" is constructive, but in fact, ventingonly gets you more riled up and readyto fight. The better option? Take a fewdeep breaths and then deal with theperson or situation that's making youangry. It sounds simplistic – but it’sproven to be more effective than vent-ing.

• Another key to creating happiness isbeing challenged. The brain is stimu-lated by new experiences – even ifthose new experiences are difficult. Sosolving a problem or tackling a chal-lenge creates a bigger sense of satisfac-tion than doing something you knowyou do well.

• Also, appreciate what you’ve got. Astudy done by the University ofNorthern British Columbia asked18,000 people, "How close are you tohaving everything you want?" Thepeople who wanted more of everything- money, friends, power, a better job -were the unhappiest. They call this "theaspiration gap," when you want a lotmore than you have. So to be happy,learn to appreciate what you have. -

Create Your Own Happiness!

Three Foods That Will Help Prevent Heart Attacks

Nobody ever said having a heartattack was fun. So, we’re going tohelp make sure it doesn’t happen

to you. Here are a few foods proven to preventheart attacks, courtesy of Bottom Line Health.Make sure you eat them.

Spinach. It has a lot of folate – one of theB vitamins. According to the Harvard Schoolof Public Health, folate helps prevent thebuild-up of homo-cystine - a certain type ofamino acid in the blood that’s a major risk fac-

tor for heart disease and stroke. Two cups ofcooked spinach have the recommended dailyvalue you need. Just make sure it’s fresh orfrozen. Canned spinach has a lot of salt, andthat can increase your blood pressure – whichis a big risk factor for cardiovascular disease.Two cups is a lot, so if you’re not that enthusi-astic about spinach, go for some folate-richasparagus, or cereals fortified with the vitamin.

Salmon. Bonnie T. Jortberg is a registereddietician at the Health Sciences Center in

Denver. She says that salmon is rich in omega-3 fatty acids, which reduce inflammation andmake your blood less “sticky.” This preventsplaque – fatty deposits – from clogging yourarteries. The American Heart Association rec-ommends eating six to nine ounces of salmoneach week. Fresh, frozen, farmed, or wild areall fine, but again – avoid the canned version,which is generally high in salt.

Pomegranates will help prevent heartattacks. That’s because they’re loaded with

polyphenols. These are antioxidants thathelp maintain cardiovascular health byscooping up free radicals before they damageyour arteries. Also, Jortberg says polyphenolshelp reduce bad LDL cholesterol. Red wineand purple grape juice are also great sources,but pomegranates have the highest amount.How much should you drink? One-and-a-halfounces of pomegranate juice each day isideal. Just make sure it’s 100% juice, or con-centrated, with no added sugar. -


Prospective homebuyers make adecision within 30 seconds ofwalking into your home as to

whether or not they are interested in mak-ing an offer. First impressions are thebiggest impressions.

Home staging is quickly becomingthe secret weapon savvy real estateagents are using.

While staging is certainly aboutdecluttering, depersonalizing and rear-ranging the furniture, it also can include

painting, carpeting, landscaping andredecorating. Regardless of the amountof staging you do, it can make a signifi-cant difference in how quickly and forhow much your home sells.

Non-staged homes attract bargainhunters. These types of buyers have onegoal in mind – to reduce the price of yourhome. They keep track of all the “littlerepairs” and negative aspects in the homeall the while mentally reducing the offerprice as they view your property.

Home stagers will make your houseappeal to the widest variety of homebuy-ers. Stagers are experienced to knowwhat looks best and will provide new andcreative ideas for getting your home soldfast. They often do what the homeownercannot… access the home objectively.They will then provide honest informa-tion about what needs to be added,changed or repaired.

Stagers have many tricks! They cansimply move a piece of furniture fromone spot to another and create a totallydifferent look and feel of the room. Thestager understands why change is impor-tant and can provide “quick fix”, inex-pensive recommendations. One impactpiece of décor can totally transform aroom into a fresh and inviting environ-ment.

Prospective buyers want to envisionthemselves living in the home, so appeal-ing to a mass market makes most sense.Stagers will often bring the colour paletteof the entire home back to neutral beige.

They might add colour impact with art-work or accent pillows. Home stagersoften work with the homeowner’s ownfurniture and materials therefore keepingthe overall cost of staging low.

Stagers know how to downplay thehome’s challenges while enhancing andhighlighting the best features of the prop-erty.

Studies have shown that stagedhomes sell quicker and reduce the num-ber of days on market while realizingmore dollars in asking price. Real estateagents like to show staged homes, so theywill show them more often.

Staging is definitely worth theinvestment! Call a home stager today!

Sheri Gamble and Gwen Kennedyare Home Stagers and Event Plannerswith Details Event Coordination. Theycan be reached at 905.632.2602 or viaemail at [email protected] [email protected]. Visit theirwebsite at www.detailseventco.com. -

Call Today 905-945-0188

BEAMSVILLE $449,900

Peace and Quiet4 level split with nature at your doorstep!Quiet location, 4 level split with hugeprinciple rooms, eat-in kitchen, andfamily room bright yet cozy with fireplaceand beamed ceilings. 3+1 bedrooms, 3bathrooms, garage and hobby shed.

BEAMSVILLE $299,900

Executive StyleTreed ravine lot with a meanderingstream is the location for this solid4 bedroom. Situated amongst executivehomes and loaded with extra’s . Largeprincipal rooms, hardwood flooring,fireplace in family room and rec room.

BEAMSVILLE $389,900

So Much Space!4 bedroom with ideal set up for agrowing family. Fully finished basement,formal dining room and family sizedkitchen with breakfast bar and dinette.Large family room with gas fireplace andopen oak staircase.

BEAMSVILLE $259,900

Desirable End UnitHuge lot corner lot! Finished basementwith high ceilings and bedroom with lotsof natural light. Master bedroom w/4 pcensuite. Open concept main level withhuge cooks kitchen, breakfast bar, gas FPand garden doors to yard.

BEAMSVILLE $329,900

Rave Reviews!Beautiful 3+1 bedroom sure to impress.

Vaulted ceilings, 3 sided gas fireplace inLR/DR and gleaming hardwood floors!Awesome kitchen with floating islandand gorgeous ceramic backsplash.Professionally finished lower level.

VINELAND $324,900

Adult Lifestyle CommunityRare find! Bungalow with loft inHeritage village. Beautiful hardwoodfloors, sunroom & deck with awning.New shingles & updated furnace.Country sized kitchen, cathedral ceilingin living room plus cozy gas fireplace.

BEAMSVILLE $164,900

Adorable, AffordableExcellent location, unique lot just over ¼acre in town! 1 block from King Streetand across from the medical centre, aterrific location home office or other.Zoned for several uses, currently enjoyedas 2+1 bedroom home!

SMITHVILLE $229,900

A Real Gem!Spacious 3+1 bedroom, 4-level backsplit inquiet neighbourhood. Lots of Oak details,family-sized kitchen overlooks family roomwith corner wood fireplace and patio doors todeck and built-in pool. Convenient walk-upfrom lower level to garage.

PELHAM $524,900

Tremendous Views15 acres! Peaceful location with spaciousprinciple rooms and convenient layout.New windows, formal living room andseparate dining room. Kitchen overlooksfamily room with fireplace and walkoutto patio.

Rob Golfi*

Beamsville, Jordan,Vineland and West Lincoln

2 ACRes

buNgAloW


CODE # P5399 CODE # L4310

BEAMSVILLE $349,900

Custom FinishesSolid 2 storey in great neighbourhood!4+2 bedroom with huge principle rooms.Spectacular kitchen with custom marblecountertops and backsplash, crownmouldings and spacious dinette. Hugeformal dining room!

CODE # SV4550 CODE # H4280

CODE # HP4160 CODE # H3500 CODE # B4049

CODE # W4464

WEST LINCOLN $469,900

Country LivingCustom built 2650 sq ft country home.4 huge bedrooms, aggregate patio offcountry kitchen done in solid maple.Formal dining room, main floor den,spacious family room open to thekitchen. Only 15 minutes to Hamilton.

CODE # CC1751 CODE # B1720 CODE # n48

15 ACRes

oN RAViNe

Home Staging:Is it Worth it?by: Sheri Gamble, Details Event

Coordination Inc.

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AANNOOTTHHEERR

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AANNOOTTHHEERR

OONNEE

BEAMSVILLE $269,900

Loaded with UpgradesGorgeous semi detached 3+1 bedroom.Former model home loaded upgrades!Gleaming hardwoods, separate diningroom, eat-in kitchen and garden door todeck, patio and landscaped yard.Handicapped accessible with chairliftand walk-in shower!

CODE # B4338

buNgAloW

1 ACRe


Each issue, The Golfi Team willshowcase a ‘marketwatch-dog’; afamily companion from one of ourcurrent listings.

Meet...‘Petey’This issues MarketWatch-Dog is

‘Petey’ from Hamilton. Don’t let

Petey’s adorable ‘it wasn’t me’ look

fool you! This 4 year old boy has

mastered ‘break & enter’- Petey

doesn’t let a closed door deter his

mission to get in and get comfy.

Petey is a handsome mix of Labrador and Dalmation, a really good

natured boy that will do almost anything for a treat. Petey loves the water

and a good swim will calm his hyper nature, for a short while at least.

Forever the con artist, his innocent appearance has charmed many – only

his owners know what sneaky-Petey is capable of, and although he may

try to suggest ‘the cat did it’, they know better.

Lucky for Petey, his home is now sold, and you can just imagine he’s

looking forward to moving into his new digs, with new & challenging doors

and handles to learn to open.

Look for our next MarketWatch-dog in the next issue of Market Watch!

The Golfi team supports the SPCA’s of Ontario.

Home EvaluationNo Cost or Obligation

Call Rob Golfi Today!

905-575-7700 / 905-945-0188


www.golfiteam.com

September CrosswordPuzzle Solution

MarketWatch-DogMarketWatch-Dog

Not intended to solicit properties currently listed for sale.

Moving can be a very chaot-

ic and expensive task, one

that needs to be accom-

plished very carefully. A move carried out

in haste can bring about several unneces-

sary problems. Almost everyone looks for

cheap movers. However, there are profes-

sional moving companies, who offer

competitive rates that are easily afford-

able by everyone. There are certain tech-

niques or methods of preparation that can

also help you minimize your expenses.

Keeping a check on the outflow of

cash will make you better prepared to

understand unnecessary expenses.

Creating a budget template in Excel or

Microsoft Word—will make your calcula-

tions easier.

If you are hiring a mover, collect

quotes from at least three different profes-

sional moving companies and include the

highest quote in your budget.

Check all the items that you are mov-

ing. This will help you evaluate if you

need more insurance because the default

insurance offered by movers might not be

sufficient for you. Along with added

insurance, find out if you require extra

services.

Anything you can do yourself—even

if seemingly small—will help cut your

moving bill and give you extra money to

spend on other relocation costs (like the

pizza and beer for after your move).

1) Reduce your load. Get rid of house-

hold items that you no longer need. Hold

a garage sale and leave books with

friends, the local library or sell them to a

used bookstore. Anything you can't sell,

give to a local charity. Weight equals

money.

2) Pack it yourself. Packing services

performed by the mover are expensive

and could amount to 25% of the moving

cost. Even if you don't want to pack it all

yourself, you can always do a partial

pack, and have the movers handle the rest.

For example, items that are nonbreakable

such as linens and bedding can be packed

easily without the risk of damage.

3) Save on packing. Luggage and carry-

ing bags are perfect for packing sheets,

towels and clothing. Also, the bottoms of

wardrobe boxes are great for bulky, light-

weight items. Be wary of packing tips that

might save you money initially but won't

protect your stuff, for example, using

newspaper instead of bubble wrap.

4) Drive your own moving truck. Using

a full service moving company is

extremely expensive. You can rent your

own truck and hire movers to help load up

and unload.

5) Recruit help from friends or family.

If you have friends or family in the area,

getting them to help you load up and/or

unload is a blessing, because it saves time

and money. If you’re going to recruit

help, make it's a fun event. Order some

food, and make it a moving party.

6) Avoid the busy season. June, July,

and August are the most expensive

months to use a professional mover due to

demand for moving services. Also, try to

plan your move during the middle of the

month—rates are higher at the beginning

and the end because of the large number

of apartment leases with month-end dates.

If you can be flexible with your move-in

times, you can also save money because

the moving company can combine ship-

ments.

7) Get organized. Color-code boxes

according to the room they belong in so

they all end up in the same place, saving

time for both you and your mover.

8) Avoid storage costs by moving into

your new property immediately and make

sure that you have payment ready for

when the truck arrives. Delays could result

in storage-in-transit fees if your things

have to be stored until they can be

unloaded.

9) Make sure you are insured. Your

existing homeowner’s insurance policy

might cover your move so you don't have

to buy additional moving protection.

10) Your move may be tax-

deductible. Keep all receipts and visit

the Canada Revenue Agency's website

for specific details about which moving

expenses you can claim, or consult a

professional accountant to maximize

your tax return. -

10 Ways to Cut Your Moving Costs

Did you know?Water Wealth

Ontario has a wealth ofwater resources likefreshwater lakes, riversand streams. The totalwater cover extends to177,398 squarekilometres (68,490square miles), including250,000 lakes. This isabout one-third of theworld’s fresh water.


Selling yourHome?

HomeEvaluations





If youwant it

SOLDCall Rob Golfi905-945-0188

or visit

www.RobGolfi.com

GRIMSBY $699,900

Waterfront!!3+1 bedroom in Bal Harbour with gleaminghardwood floors & new broadloom. Great roomhas wall-to-wall windows and spectacular lakeviews. Several walkouts to backyard paradisewith heated inground pool surrounded byamazing perennial gardens.

GRIMSBY $789,900

Country LivingCustom Colonial on 48 acres! 3bedrooms with full finished attic. Masterhas 5pc ensuite w/euro shower and spatub plus cedar lined closet. ¾” Oak plankfloors, solid birch kitchen w/granitecounters and cozy fireplace.

Call Today 905-945-0188


CODE # C33

CODE # B227

WEST LINCOLN $469,900

Country LivingCustom built 2650 sq ft country home.4 huge bedrooms, aggregate patio offcountry kitchen done in solid maple.Formal dining room, main floor den,spacious family room open to thekitchen. Only 15 minutes to Hamilton.

CODE # CC1751

GRIMSBY $549,900

Minutes to Downtown & QEWPossibly the best view in the Peninsula!Rare 4+2 bedroom split level wellpositioned above the ridge on 2.88 acres.Huge balcony enjoying a superbescarpment and lake view. Nature loversdelight in private grounds close to town.

GRIMSBY $569,900

Completely Redone!Waterfront!! 4 bedroom home withgleaming hardwood floors, customkitchen/great room with wall to wallwindows and tremendous lakeviews.Awesome Master bedroom retreat withprivate balcony.

BEAMSVILLE $449,900

Peace and Quiet4 level split with nature at your doorstep!Quiet location, 4 level split with hugeprinciple rooms, eat-in kitchen, andfamily room bright yet cozy withfireplace and beamed ceilings. 3+1bedrooms, 3 bathrooms, garage andhobby shed.


Lakefront Oasis!Waterfront w/riparian rights and privatedock. A resort in your own backyard‘Casa Seabreeze’!! Hardwood floors,sunken family room with picture windowand view of TO Skyline. Luxury Mastersuite w/decadent ensuite and privatebalcony overlooking the Lake.


Backs onto Turtle SanctuaryUnique area, designated ‘environmentallysensitive’. Shares in NeighbourhoodLakefront park and backing onto Turtlepond, this property is truly one-of-a-kind.Updated plumbing, electrical, roof andmore. Huge lot – come see thepossibilities!

esCARPMeNt

2.88 ACRes

WAteRfRoNt

WAteRfRoNtWAteRfRoNt

WAteRfRoNt

CODE # P5399

CODE # R98 CODE # L120 CODE # S70

CODE # F7

Visit our Website!View any of the listings in this publication at

www.RobGolfi.com

Extra pictures, More details - Check it out!

ANCASTER $549,900

Scenic Woods Location4+1 bedroom professionally finished topto bottom! Upgrades galore. Premium lotbacking onto Conservation land andBruce Trail, nature lovers dreamlocation. Formal living room, hugefamily room, so much space!

CODE # D78

luXuRy

2 ACRes

PELHAM $524,900

Tremendous Views15 acres! Peaceful location with spaciousprinciple rooms and convenient layout.New windows, formal living room andseparate dining room. Kitchen overlooksfamily room with fireplace and walkoutto patio.

CODE # B1720

15 ACRes

48 ACRes

SSOOLLDD

AANNOOTTHHEERR

OONNEE

SSOOLLDD

AANNOOTTHHEERR

OONNEE

luXuRy

Rob Golfi*

Waterfront and Luxury


Waterfront home in Bal Harbour,custom built in 1985 by premier builderMartin Poos, this multi-level 3+1bedroom home is well updated, qualityfinishes abound! Mature gardens give astately presence from the street, and anextra wide and deep drive ensures plentyof parking. Double door entry to a brightfoyer enhanced by a skylight. The den islocated just off the main foyer, ideal for ahome office or study.

Over $16,000 spent in recentupdates, gleaming hardwood floors arefound just steps up from the entrance inthe huge formal living room and diningroom. Formal dining with a tremendouslake view from the bay window will beappreciated by all. Pocket doors builtbetween the dining room and kitchen, inthe family room and from the hall to thekitchen as well. Beautifully updatedkitchen with solid Oak cabinetry andbuilt-in wine rack has a lovely dinette

area with a slider to a wonderful deck toenjoy sunrises and sunsets over the lake.

Steps from the kitchen, you’ll find a great room with a cozy corner gasfireplace and wall to wall windows withspectacular lake views. Access to themud room, laundry and garage is locatedfrom the family room. The oversizeddouble garage boasts a new door andopener plus has access to the yard area,side of the house and inside entry as well.

The upper level has a spaciouslanding and 3 bedrooms, the master with4pc ensuite and a patio door to a privatedeck with lake views. A finishedbasement with extra high ceilings willmake an ideal games room with its amplespace, plus an additional bedroom withprivate 3pc bath.

A huge workshop will satisfy andadditional man-cave yearnings notcovered by the double car garage. Newhigh-efficiency furnace, 4 filter electronic

air-cleaner, new broadloom and new roof(02), updated electrical on breakers andextra insulation. Maintenance freeexterior with brick, siding and beautifulAngel Stone.

There are several walkouts to thebackyard paradise with separate patioareas, a covered hot-tub, pump-house,concrete deck and inground heated poolsurrounded by amazing perennialgardens. Landscaped to showcase inevery season, this yard is spectacular!Underground sprinkler system front andback. A private gated access to thewaterfront and parkland for lakesidesunset walks, or simply to sit by the shoreand enjoy the peaceful sounds of thegentle waves.

Terrific views of the Torontoskyline! Call Rob Golfi today at 905-575-7700 for a private viewing or visit mywebsite at www.robgolfi.com Thank youfor viewing my listing.

Rob Golfi*FeatureHome

33 Cheval Drive, GrimsbyPrice: $669,900

Taxes: $6,879 (2009)

Lot Size: 70' x 110'

House Size: 2,100 sq.ft. approx.

Re/Max Escarpment Realty Inc., BrokerageIndependently Owned and Operated


CODE # C33

beAutiful

WAteRfRoNt



www.golfiteam.comSharon Stafford* Jeff Stone* Heather Reid* Hans Marcelissen* Wendy Murray*

Nicholson*Sales Representatives


sept. 1, 2009 issue 3

Documents

right rob

sales agents

ancasterthanks rob

rob golfiby

rob golfithe solutionfill

chairmans club

platinum club

presidents club