sept. 1, 2010 issue 14

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

September 2010 - Vol 20

Rob GolfiSales Representative

SOLDSOLD

ANOTHERANOTHER

ONEONE

just listed

www.golfiteam.com

Rob GolfiSales

Representative

Sharon StaffordSales

Representative

Heather ReidSales

Representative

Hans MarcelissenSales

Representative

Wendy Murray-Nicholson*Sales

Representative

Penny BryceSales

Representative

Sarah DallicardilloAdministrative

Assistant

Rosemary FournierAdministrative

Assistant

159 Main Street West

GRIMSBY $679,900Grimsby’s Beautiful Historical Home – The White House

Circa 1832. This historically designated, solid stone home backs onto beautifully treedNiagara Escarpment. Completely remodelled to preserve its original charm incorporatingmodern conveniences. Beautiful kitchen with mirco cabinets and island with granitecounters. Original fretwork on side of bridal staircase. Wood plank floors, originalGeorgian fireplace, 4+1 bedrooms, double car garage. A must see! Call today.

Visit www.RobGolfi.com for more details.

188 North Service RoadWe are extremely pleased with the service provided by Roband the Golfi Team. Rob’s dedication, strong knowledge ofthe market and high level of exposure enabled us to notonly get our home sold, but more important, for the truevalue. We could not have asked for someone more honest,efficient and dependable to sell our home. With deepestsincerity, thank you Rob.

MarketWatch September 2010_MarketWatch_Transfer.qxd 31/08/10 2:14 PM

The Golfi Team Real Estate Market Watch September 2010

www.golfiteam.com

Since the inception ofhis career in 1997,Rob Golfi has

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

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

Rob’s experience andaggressive negotiating skillshave earned him every majorhonour awarded by RE/MAX,including President’s Club,100% Club, Platinum Club,Chairman’s Club, Hall ofFame, the Lifetime Achieve -ment Award in 2006 and theSRES® designation in 2009.Having worked with many ofthe industry’s professionals

over the years, he has thenecessary 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 torepresent 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.

3 9 6 8

7 2 4 3

1

3 1 97

4 2

8 7 4 6

6

9 5 3 2

5 8 2 7

SUDOKUSUDOKU

After viewing numeroushomes, you have finallyfound the "perfect" home.

There are feelings of both excitementand anxiousness. It is time to submitan offer. This critical part of the buy-ing process has significant ramifica-tions. In today's complex and rapidlychanging real estate market, it isimperative you have a realtor that willprotect your most prized investment.

This article will discuss the essen-tial clauses that should be part andparcel of any offer.

All offers will spell out the usu-als –– offering price, deposit and clos-ing date. However, there is muchmore that needs to be incorporatedinto your offer to make sure yourinterests are fully protected.

If you are looking to secure amortgage and have a pre-approvalfrom a financial institution, it wouldstill be prudent to include a financingcondition clause. The typical timeframe is 5 to 7 business days. If forwhatever reason you couldn't arrangefinancing, then your deposit would bereturned in full. Often times a pur-chaser mistakenly believes a pre-approved mortgage is a guarantee of amortgage approval. If you review thefine print you will notice most pre-approvals have many conditions. Ifthese conditions are not met the finalmortgage approval may not be grant-ed.

Another imperative condition toinclude in an offer is a home inspec-tion clause. This clause allows thepurchaser the right to hire a profes-sional home inspector who will con-duct a home inspection of the subjectproperty which typically takes 2 to 3hours. The inspector will review themajor components of the homeincluding the roof, the furnace, elec-trical system, plumbing and exteriorfoundation. If for whatever reason thepurchaser is unhappy with the out-come of the inspection he can nullifythe transaction. Often times if a homeinspection reveals a deficiency thepurchaser may obtain an abatement(price adjustment) from the vendor.

An often overlooked clause is thechattel warranty clause. This typicallyapplies to the appliances and ensuresthat the appliances remaining on thepremises will be in good workingorder on closing. If an appliance is notworking you will have legal recourseagainst the vendor. In many instancesno mention is made of chattel war-ranties and the purchaser is at riskshould the appliances not be opera-tive.

The right to view the property oneor two further time(s) should beinserted in the offer. This allows thepurchaser the opportunity to visit theproperty prior to closing typically for

the purpose of taking measurementsor showing the property to other fam-ily members. In many cases it isadvisable to have the purchaser viewthe property just prior to closing toensure that there are no significantchanges in the condition of the prop-erty. The purchaser is in a position ofstrength prior to closing and shouldany problems arise it is easier for thepurchaser's lawyer to remedy the situ-ation.

Typically, a survey is required byboth the solicitor and the lender.Therefore you should include a surveyclause to satisfy both of these parties.In the event a survey is not availableyou can still obtain title insurancewhich will guarantee you "good title"to the property. Prior to title insur-ance, if a survey wasn't available theneither the purchaser or vendor wouldhave to bear the cost of a new survey.(A survey is the accurate measure-ment of both land and building madewith the aid of instruments.)

If you are buying a condominiumyou want to ensure the sound financialhealth of the condominium corpora-tion. Any offer should be conditionalupon obtaining a status certificatefrom the condominium corporationand having your lawyer review and besatisfied with such documentation.This certificate highlights manyimportant aspects of the condo corpo-ration such as the current amount ofmoney in the reserved fund, if thereare proposed increases in the mainte-nance fees, if there are any specialassessments being contemplated, andthe outcome of any engineering stud-ies determining the adequacy of thereserve fund.

Situations may arise where spe-cial assessments in excess of $10,000are levied against each unit owner. Byreviewing all pertinent documentationthis will ensure there will be no costlysurprises.

If you are unsure or uncomfort-able about any aspects of the offer youmay want to include a clause statingthat it is conditional upon your lawyerreviewing the offer and being satisfiedwith the same, failing which the offershall become null and void. This willallow your lawyer the opportunity toreview the offer and if any changesneed to be made, your lawyer canmake such changes to the agreementof purchase of sale. If the other sideobjects to such changes then you canvoid the agreement. This will give youpeace of mind when you are submit-ting your offer.

Each offer is unique and condi-tions and clauses will vary. However,the clauses discussed in this article areviewed as indispensable and shouldbe (when applicable) incorporated

into your offer! -Å

Are all of Your Interests beingFully Protected?

312794 568

576241 839

984365 127

231489 675

465932 781

897513 246

123678 954

749856 31

658127 493

2

MarketWatch September 2010_MarketWatch_Transfer.qxd 31/08/10 2:14 PM Page 2

GRIMSBY $222,900

Bright & Beautiful End Unit! 2 bdrm bungalow only 6 yrs old. Ceramic flrs& backsplash in eat-in kitchen, Living roomw/gas FP, laundry hook-up on main level &professionally finished bsmt. Quiet complexw/quick access to the QEW. Won’t last!

Call Today 905-945-0188

Rob Golfi*

Grimsby

September 2010 The Golfi Team Real Estate Market Watch

GRIMSBY $199,999

Quiet LocationLoads of potential and priced to move! New roof'09, refaced kitchen, windows '06. Spaciousliving room, separate dining room. Fenced yard,large 12 x 24 deck and parking for 6 cars!

GRIMSBY $1,499,900

Fabulous LakefrontFabulous waterfront property! Custom built3000 sq ft home with Lake views every room.Maple hardwood floors, granite counters, mastersuite with access to back deck, ensuite and walk-in shower. Handicap adaptable!

Waterfront

GRIMSBY 234,900

Charming 3 Bedroom BungalowSituated on spacious treed lot on quiet cul-de-sac, beautiful gleaming hardwood in bedrm,sun filled living room with floor to ceiling baywindow, fin’d bsmt w/full bath & spare bedrm.Fenced yard. Close to schools, parks & quickaccess to QEW.

GRIMSBY $405,000

1.67 AcresSpectacular raised ranch boasts tremendouscharacter! 2+2 bedrooms. Updates includegleaming hardwood, gourmet kitchen withbacksplash, granite counter tops & mobileisland. Plus a heated double garage and 3 outerbuildings!

GRIMSBY $373,000

3+1 Bedroom BungalowSpectacular one level on one acre of sprawlinglandscape. Gated front for privacy, gothic stoneexterior w/double garage & drive. Airy &spacious living areas, 2 fireplaces, summerstyle eat-in kitchen & fully fin’d lower levelwith 2nd kitchen. In-law potential plus updates!

GRIMSBY $319,900

Inviting 1,500 sq.ft. HomeCompleted top to bottom with professionallyfinished basement. Spacious eat-in kitchen,dinette, cozy front porch with Escarpmentviews, patterned concrete drive, patio, privatetreed yard. Very desirable neighbourhood. Quickaccess to QEW!

GRIMSBY $539,900

Lake ViewsBacking onto Niagara Escarpment with views ofLake Ontario, secluded setting on 1.83 acres inthe heart of Grimsby, beautiful centre hall planwith 4 bedrooms, main floor den & laundry, sunroom, gorgeous oak kitchen cabinets, walkingdistance to downtown, schools and parks.

GRIMSBY $679,900

Grimsby Historical HomeHistorical, solid stone home backs onto NiagaraEscarpment. Remodelled to preserve its charmand modern conveniences. Beautiful kitchenl,mirco cabinets, island, granite counters. Bridalstaircase, wood plank floors, original Georgianfireplace, 4+1 bedrooms, double car garage.

GRIMSBY $289,900

Impressive Top to Bottom!Amazing 3 bdrm home in great area! Fullyfinished w/recent updates. Bright eat-in kitchenw/large bay windpw, hrdwd on mn lvl & slidingdrs from sep. din rm to priv. resort style bckyrd.New furn(’10), shingles (’09) all vinyl wndws& fully fin’d bsmt.

GRIMSBY $424,999

Charming & AffordableCharming & affordable waterfront built in 1964,features a comfortable one floor plan withfinished basememt. Plus oversized sliding doorsleading to large interlock patio & gazebo in aprivate setting overlooking Lake Ontario. Newerfurnace, central air & shingles ('07).

GRIMSBY $1,999,900

Grimsby’s Finest Luxury EstateThis fine property shows like a dream. Seated on4 acres of lush landscape and backing ontoNiagara Escarpment. This amazing 6500 sq ftestate features main floor master suite, multi-media control centre, gourmet chef’s kitchen &4 additional large bedrooms.

GRIMSBY $318,900

Losani Built Arlington ModelSpectacular 3 bdrm model home, 3 years new!Great family neighbourhood close to schools,shopping and quick access to the QEW. Plusbedroom level laundry, separate dining roomwith vaulted ceilings and upgraded cabinets ingorgeous kitchen.

GRIMSBY $244,900

Custom Built Condo1465 sq ft custom home built by Losani.Gorgeous kitchen with breakfast bar & stainlesssteel appliances, showcase gas fireplace &California shutters mostly thru-out. Bedrm levellaundry, roughed-in bath in basment, access toback yard thru garage & fenced yard.

GRIMSBY $507,900

2400 sq ft, 4+1 bedroomm with upgrades.Professionally finished basement with full bath& spare bedroom, 9 ft ceilings with pot lights,hardwd flrs with upgraded trim, show casefireplace in great room, oak staircase w/runner,ens bath in master, stylish maple kitchen, in-ground salt water pool, hot tub, deck & more!

GRIMSBY $1,499,900

2 Acre LakefrontHuge waterfront lot! 3+1 bedroom home withadditional self contained in law suite. Openconcept great room with cathedral ceilings,gleaming hardwood floors and floor to ceiling-wall to wall windows!

Waterfront

Waterfront

GRIMSBY $269,900

One Floor & MoreBright & spacious bungalow situated onoversized treed lot backing on to a lush greenspace. This well built home feats. beautifulhrdwd flrs, vinyl windows, finished rec rmw/wet bar & spare bdrm.

GRIMSBY $974,900

Extraordinary 4 Bedroom CustomApprox 4800 sq.ft w/lakeviews. Oak kitchenw/granite counter-tops, blt-in appls & terracotta tiles. Large family room, oak hrdwd,dining rm w/vaulted ceilings, living rm w/fp,main flr den, master with 5 pc ensuite & in-ground pool.

Waterfront

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE

1 acre

The Golfi Team has Maximum InternetExposure to Get Your Home SOLD!

Call today! 905-945-0188


Call Today 905-575-7700


Rob Golfi*

Hamilton & Stoney Creek

EAST MOuNTAIN $169,900

Bigger than it looks! 4 bedroom super starter in a great east mountainlocation, close to local amenities. Featureshardwood flooring in both living and diningrooms, a main flr laundry, fully fenced backyardwith utility shed & rear parking. Plus newerfurnace & shingles.

EAST MOuNTAIN $249,900

3+1 BedroomsAcross from Lawfield school. 3+1 bdrms, 2baths & 2 kitchens plus in-law suite. In-groundpool with deck, hardwd flrs on main level undercarpet. Upgraded windows (’09) & exterior door(’10) Furnace & shingles (’07). Spacious recroom w/gas fireplace & lots of room for storage.

HAMILTON $210,000

Fabulous find! This great starter home, located in a friendlyfamily neighbourhood features beautifulhardwood in the living & dining room, brighteat-in kitchen, & 2 baths. Plus sliding doorsleading to a 2 tiered deck and fully fenced yard.Close to shopping, schools, buses & the Linc.

STONEY CREEK $359,900

Spectacular Freehold Towne! Main floor fully renovated with large kitchenw/island, aya oak, dark oak, granite & built-inappliances. New ceramic, hardwd & updatedbath w/bowl sink, new sliding door to patio &garden. Luxury master w/ensuite, fireplace & 2walk-in closets. Fully finished basement.

HAMILTON CENTRAL $99,900

UpdatesRenovated & ready to sell! Get inside this cozy2 bedroom bungalow. Large priv. fully fencedyard with deck. Updates incl. 100 amp breakers,windows, doors, front porch, roof, soffits, facia,kitchen & bathroom. All appliances included.

HAMILTON $324,900

Fabulous Lot!Well maintained 1900 sq.ft. home w/beautifulfloor plan. Family room w/cathedral ceilings,hrdwd flrs & wood fp, stylish kitchen, fin’dbsmt w/spare bdrm, some newer vinyl wndws &shingles (’03), fenced yrd w/deck & 8 x 10 shed.Plus an extra wide garage w/new door.


Better than Brand New!2400 sq ft. builder's model home, incl. 9 ftceilings, hardwood flrs, loaded kitchen granitecounter tops, formal dining rm, slate floors,crown mouldings, spiral staircase, gas fireplace,4 large bedrooms, rich hotel style ensuite bath,main floor den, backs on green space with pond.


One Floor Plan with GarageCozy bungalow on large mature lot features 2+1bedrooms, spacious eat-in kit, finished rec roomin basement, large 22 x 16 insulated garage withnew door, keypad & 22 x 15 workshop withhydro. Plus ample parking space and more.

EAST HAMILTON $399,900

In-law Setup - 4 BedroomsExecutive area near O'Sullivan Memorial park.4 bedroom home with a full in-law suite. LargeBarzotti style kitchen, solid oak flring, frenchdoors grant access to a sunroom overlooking apicturesque backyard with a in-ground pool.Concrete drive & an additional single drive.


In-law PotentialSpotless & spacious home in Riverdale area. Alllevels finished. In-law potential in bottom 2 lvlsw/sep rear walk-up. Hrdwd in upp 3 bdrms &LR. Ceramics in foyer, dining room, Fam rm &lower 2 bdrms. Priv. fenced yard w/shed.


Custom Built to Perfection3+1 Bedrm w/gourmet kitchen & granite cntertops, travitn flrs, sunken fam rm w/fp & hrdwdin bdrms. Plus California shutters, crown mlding& Cthdrl ceilings. Upgds incl. furnace & c/air(08), pool heater & liner (09) newer wndws,facia & eaves.


Exclusive Waterfront Waterfront! Rare find on private lane close toFifty Point Conservation area. 101ft ofwaterfront, park like setting and solid 3 bedroombungalow. Substantial breakwall, well treedmature lot, amazing sunrises and sunsetsincluded!

STONEY CREEK $699,9O00

Gorgeous WaterfrontInvestment or In-law potential. 2 renovatedseparate units plus 1 apartment. Updates includelandscaping, newer roofing, decking, flooring,awnings, wiring, plumbing, kitchen and muchmore. Don’t miss out on this one of a kindopportunity.


3 Bedroom Raised RanchImmaculate 3 bedroom with fully finishedbasement. Spacious living room and diningroom. Eat-in kitchen has been updated andboasts ample counter space and cupboards.Updated vinyl windows, concrete drive andpatio in fenced yard.


Gorgeous 4 Bedroom HomeFabulous home features centre hall plan withoversized living room with showcase fireplace,formal dining room large bay window, 4spacious bedrooms, master ensuite, beautifulhrdwd, and gorgeous plaster & crown mldingson the main floor. Fully fenced yard.

HAMILTON CENTRAL $179,900

Renovations Galore!Fully renovated, 1100 sq ft, 3 bedroom homenear Centre Mall. Windows/doors ('10), furnace('09), singles ('09), siding ('10), new kitchen,bathroom, pot lights, carpet, ceramics. Parking!!Full basement!!


5 Level BacksplitSpacious all brick 5 levle backsplit w/in-lawsuite. 2 car garage & large drive fits 6 cars. In-law suite has separate entry, newer hickorykitchen, family room with fireplace and walk-out to large lot. Newer furnace, central air,garage door plus walk-out to garage frombasement


3 Bedroom GemWaterfront!! Rare gem, 3 bedroom loaded withcharacter, restorations underway! New kitchen(09), living room with beamed ceiling & pineplank floors 0throughout! Balcony with slidersfrom all 3 BRs upstairs, amazing lakeviews!


Super 3 Bedroom SemiGreat 3 bedroom semi-detached in prime StoneyCreek location. Very clean & well kept, finishedtop to bottom. Features newer shingles, all newwindows, sliding door & open fireplace infamily room with walk out to private yard. Closeto amenities.

Waterfront


Newly Renovated with In-LawLocated in the heart of Stoney Creek. 3+2bedrooms plus in-law w/separate entrance. 2kitchens, 2 laundrys, 3.5 baths, 2 fireplaces,master w/ensuite & walk-in closet. Newershingles, double concrte drive, garage convertedto extra ebdrm & landscaped yard with deck.

Waterfront

Waterfront


Call Today 905-945-0188


Rob Golfi*

Lincoln & West Lincoln

WEST LINCOLN $349,900

Location! Location!2+1 bedroom fully reno’d & with modern kitchen,cherry wood cabinets, ceramic, cathedral ceilings,adjoined fam room. Thick carpeting in all principalrms & main bath w/whirlpool tub. Dbl side drv, finbsmt (’06) incl. rec rm, kitchen, bedrm & laundry,25 yr roof (’04), furnace (’03).

FONTHILL $469,900

Custom Built Beauty! 3800 sq ft of living space in this large 4 levelbacksplit. 4 yrs new with a stunning maplekitchen w/granite & centre island, vaultedceilings in LR/DR, open concept family rm w/wet bar & fireplace, large master w/vaultedceilings & luxury ensuite.

SMITHVILLE $289,900

Prestigious 2 Storey, 3 BedroomBuilt in ‘06 on fantastic size lot, featuresspacious kitchen w/granite counters & breakfastbar, beautiful hardwood throughout, a sun-filledliving room, large bedrms, ensuite privilege offmaster, main flr family rm, walkout frombasement to fenced yard.

BEAMSVILLE $279,900

Oversized Lot!Beautiful home on oversized “L” shaped lot. 4 spacious bdrms, 2 full baths recently reno’d,sun-filled liv/din rm w/cathedral ceilings & gasfireplace/ Plus hardwd & berber carpet, mostlyupdated vinyl wndws & shingles (’03), deepgarage, oversized deck in private back yard.

SMITHVILLE $284,900

Loaded with UpgradesNewly built bungalow in ‘07. Stylish kitchenw/brkfst bar, sun-filled fam rm with fireplace,master w/hotel style ensuite including a sepsoaker tub & shower. Main flr laundry or mudrm that offers access to dbl garage, plus bsmtw/fruit cellar and fully fenced yrd! Avail Immed

Rob Golfi*

WEST LINCOLN $215,000

Quiet Country Setting1,100 sq ft, 3 bedroom bungalow built in 2002. Open and bright with high basement that'spartially finished with 2 rooms and a rec roomthat just needs flooring. 3,000 gal cistern, gasfurnace and 100amp breaker service. Close toCaistorville Golf Club.

pELHAM $799,000

A Country Dream5 yr old Executive on 27.5 acres, $70,000 inupgrades! 3+1 bedrooms in this open concept.Brazilian Cherry hardwood,vaulted ceilings.Gorgeous Maple kitchen w/granite & brkfstbar. Insulated bsmt floor, 3 bay, 1200 sq.ft garwith heat & hydro.

BEAMSVILLE $62,000

Local EscapeClean and well cared for mobile home, openconcept w/recent updates! Newer shingles,flooring & pantry. Spacious living room &kitchen w/cathedral ceilings. Current park fee$261/mth incl. water, garbage, sewer & snowremoval.

pELHAM $484,900

Loaded with CharacterUnique 3 bedroom home on 3.4 acres. Largekitchen with new ceramic, living room, mainfloor laundry & hardwood floors. Aged cedarlook-alike metal roof has lifetime warranty.Outbuilding with loft. Plus more!

VINELAND $199,900

Fantastic Value!!!Sensational home with the best value in town!Immaculate 3 bedroom with plenty of storagespace. Double drive plus garage with insideentry. Private backyard, offers a sense ofserenity with no rear neighbours! Close to alllocal amenities. All at an insurmountable value!

BEAMSVILLE $209,900

Spectacular 4 Bedroom Semi!Great neighbourhood! 1700 sq ft of livingspace plus finished rec room in full basement.Bright eat-in kitchen with large bay windowplus spacious living & dining room. Hugemaster with ensuite potential. Situated on alarge, mature, fully fenced lot.

FONTHILL $649,900

4 Bedroom ExecutiveStunning 4 bedroom, 3300 sq ft on exclusivestreet. Built 4 yrs ago & features hardwood,porcelain floor, granite countertps, 60 interior& 11 exterior potlights, main floor den can alsobe a formal living room. In-law suite withseparate entry plus an endless list of upgrades!

VINELAND $269,900

In Mint Condition!Immaculate 3 bedroom raised ranch in mintcondition. Spacious 1250 sq. ft. Lower lvlfeatures updated furnace (’05), shingles (’03)attached 1½ car garage w/inside entry to largefoyer plus finished rec rm w/wood FP & eat-inkitchen w/bright bay window.

27.5 acres

BEAMSVILLE $289,900

Upgrades Galore!One of a kind 3+1 bdrm, 2 storey homew/plenty of impressive upgrades! Almost likenew. Approx. 2000 sq.ft & backs onto GreenLane. Recently finished bsmt, new flring thru-out, beautifully landscaped plus fully fencedprivate yard. The list goes on!

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE

Home evaluationNo Cost or Obligation

Call Rob Golfi today!

905-575-7700 / 905-945-0188

The Golfi Team has Maximum InternetExposure to Get Your Home SOLD!

Call today! 905-575-7700


Call Today 905-945-0188


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

Rob Golfi*

Commercial

GRIMSBY $489,900

25 Acres Zoned Private Rec.Unique property zoned for private clubrecreational use; suitable for many types oforganizations with mutual picnic area.Banquet/dance hall 2500 sq ft with 12 ft ceilings,fireplace, full kitchen facilities, bar area, coatcheck, bathrooms & spacious bsmt for storage.

Call Rob today at 905-945-0188.

BEAMSVILLE $1,399,900

26.6 Acre Farm on Lower BenchOver 700 ft of frontage on Niagara's busiestwine route. 26.6 Prestigious acres on the lowerbench with over a 20ft fall from front to back ofproperty. Property consists of a large barn with 2cold storages, heated workshop and parkingarea. 3 residential detached homes on property.


BEAMSVILLE $259,900

Prime CommercialDowntown core storefront with large window,front and back entrances can suit 2 businesses or1 large one. Rear parking and municipal lot.New furnace, 2pc bath. 1800 sq ft of businessspace with GC zoning, plus 2 bedroomapartment on upper level.


if youwant it

SOLDCall Rob Golfi

905-575-7700OR

905-945-0188VISIT

www.RobGolfi.com

CRAYON ON WALLSFor crayon on walls, use WD-40. It removes it immediately, but if you use it

on a flat paint it will leave a greasy line that can easily be washed off with soapand water.

TOILET BOWLSToilet bowls come up shiny when cleaned with old, flat Coke or Pepsi.

Leave overnight to dissolve limescale.

SHOWER STALLSA good replacement for those expensive cleaners for shower stalls/doors that

I have found is, believe it or not: WD-40.

REmOvINg STICkY LABELSUse adhesive tape to remove sticky price tags. It's moisture- and odour-free,

and works even on glossy paper. Simply rub or lightly scratch in the tape to liftas much of the price tag as possible. Repeat till the whole tag and sticky residuecomes off.

Another option is to use WD-40 or lighter fluid, it does come right off with-out the hot water and soap. But of course you want to rinse the chem smell.

CHEWINg gumTo remove chewing gum from clothes freeze, or cover the gum with ice, then

crack and scrape off.

INk STAINSIf the ink is still wet put salt on the stain, and then brush it off after a few

minutes when it has soaked up some of the ink. You may need to repeat this a fewtimes. Clean wet ink off carpet with soda water, then blot it off with paper tow-els. Then clean with a detergent.

ANTS IN THE HOuSEAnts will not cross a chalk line drawn on any surface. Of course if you live

in a rainy area where ants are a problem, you must re-draw the chalk lines eachtime it rains.

EARWIgS If you have a problem with earwigs just roll up a newspaper and leave it in

the problem area over night when you wake up in the morning they will be insidethe paper put in plastic bag and throw away. Of course it isn't a permanent solu-tion but it will help cut down on the quantity.

mOuSE TRAPSBait the trap with peanut butter and put it in a brown paper lunch bag. The

mice seem drawn to the small place to explore and all you have to do is close thebag and throw it away after they've been caught! No muss, no fuss!

SCuFF mARkSTake a rubber soled shoe (like tennis shoes) wipe across the scuff and it will

come off.

Household Tips & Hints

OTTAWA, August 31, 2010— After rebounding in thesecond half of 2009 and

early 2010, housing starts are expectedto moderate in the second half of 2010.Starts are expected to stabilize at levelsconsistent with demographic funda-mentals in 2011, according to CanadaMortgage and Housing Corporation’s(CMHC) third quarter Housing MarketOutlook, Canada Edition.1

Housing starts are expected to bein the range of 170,200 to 198,400units in 2010, with a point forecast of184,900 units. In 2011, housing startswill be in the range of 146,900 to210,500 units, with a point forecast of176,900 units.

"Housing starts will moderate inthe coming months as activitybecomes more in-line with long termdemographic fundamentals,” said BobDugan, Chief Economist for CMHC.

Mr. Dugan also noted that theexisting home market conditions willremain balanced over the next twoyears as MLS®2 sales ease and inven-tory levels remain elevated. Existinghome sales will be in the range of450,000 to 485,700 units in 2010, witha point forecast of 463,800 units. In

2011, MLS® sales will move lowerand are expected to be in the range of425,000 to 490,700 units, with a pointforecast of 456,000 units.

With an improved balancebetween demand and supply, the aver-age MLS® price is expected to edgelower through the end of 2010 and thenrise modestly in 2011.

As Canada's national housingagency, CMHC draws on more than 60years of experience to help Canadiansaccess a variety of quality, environ-mentally sustainable and affordablehomes. CMHC also provides reliable,impartial and up-to-date housing mar-ket reports, analysis and knowledge tosupport and assist consumers and thehousing industry in making vital deci-sions.

1 The forecasts included in theHousing Market Outlook are based oninformation available as of July 30,2010. Where applicable, forecastranges are also presented in order toreflect economic uncertainty.

2 Multiple Listing Service®(MLS®) is a registered certificationmark owned by the Canadian RealEstate Association.

Housing Activity Stabilizing

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Home Staging:

Is It Worth It?

by: Sheri GambleDetails Event Coordination Inc.

Many prospective homebuyers makea decision 15 seconds within walking intoyour home as to whether or not they areinterested in making an offer. Firstimpressions are the biggest impressionsand often the longest lasting!

Home staging has become the secretweapon savvy real estate agents are nowusing.

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

Home stagers will make your houseappeal to the widest variety of homebuy-ers. Prospective buyers want to envisionthemselves living in the home and notfeel like they are trespassing on yourproperty. Stagers are experienced toknow what looks best and will providenew and creative ideas for getting your

home sold fast. They will provide youwith honest information about whatneeds to be done, changed and 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” recom-mendations. For example, one impactpiece of décor can totally transform aroom into a fresh and inviting environ-ment.

Professional Home Stagers can walkyou through every step of this marketingprocess. Remember, home staging is thebest way to make a dramatic impact with-out having to spend a lot of money.

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 their

website at www.detailseventco.com. -Å

not intended to solicit properties currently listed for sale.

Framing yourBasement Wallsby: Joe Keca

Home Improvement Group

Always consult your local struc-tural building code with respect tobasement wall framing. Some munic-ipalities spell out how the top andbottom plates are attached. Somecodes want the walls to be allowed tofloat.

Framing the Exterior BasementWalls

You'll frame your walls using 2”X 4” lumber. Be sure to select onlythe straightest and truest boards.You'll find there are three compo-nents to your wall – bottom plate (it'shorizontal, it's on the floor, it contactsyour concrete basement wall), topplate (the bottom plate's complement,which is nailed to the bottom of yourceiling joists), and finally the studs(they're vertical, toenailed at the bot-tom plate, top plate).

Secure your bottom plate to thefloor. Use either a powder actuatednail gun, driving nails via a .22 calblank or using a hammer with con-crete nails. The powder gun is thebest choice. Make sure you wear yoursafety glasses.

Now you can nail the top plate.There are two ways to accomplishthis: hammer it up or use a gun. A nailgun is the best choice because ham-mering in the upside down positionwill wear you out! Use 2 nails onevery joist. You will need to cut your2” X 4”s to make them break in themiddle of a joist.

Next, starting in any corner, standa stud up to the concrete wall betweenyour top plate and your bottom plate.Toe-nail it to your top plate. Now doyour bottom plate. Next, nail the nextstud to that stud, pressing the 2” sideof your first stud against the 4” side ofyour second. Now nail a third stud sothat its 2” side is also touching the 4”side of the first stud and its 4” side iscontacting the 4” side of the secondstud. It is a little hard to explain with-out illustrations but try it – the point isthat the resulting intersection of thestuds matches the intersection formedby the bottom and top plates (90degrees). This is so your drywall will

have nailing surfaces.

Filling in the StudsDo the stud layout now. Starting

with your tape measure on the floor inthe corner, extend it along the bottomplate and mark the plate every 16”.This will be the center of the stud.Continue around the basement. Itdoesn't matter what you end up within each opposing corner; what countsis that you start with 16”. Go back tothe corner you began at and cut thestud so that it fits snug but not bow-ing. Toe nail it at the bottom, plumb itwith a 4' level and toe nail it at thetop. Now you can hook your tapemeasure to that stud and mark theothers on 16” and the rest of the studsshould also be plumb.

Lay Out Your Electrical OutletsDo you already have electrical

outlets everywhere you need them onthe perimeter walls? Most likely notif your basement is currently unfin-ished. Even if you have them theymight need to be relocated so theycan be secured to the framing studs.Unless you are very familiar withelectrical work, it is highly recom-mended that you consult with alicensed Journeyman Electrician.

Building Your Interior PartitionsInterior basement walls are easier

to build on the ground and stand up.Measure the floor to ceiling at sever-al spots so that you can take the short-est height for the wall and use spacingshims where you need to. Before youstand the wall framing up, strike achalk line on the floor so you knowwhere the wall goes. Use the 3-4-5method to ensure that you are perpen-dicular with the exterior wall.

If the wall is going the oppositedirection as the ceiling joists, there'splenty to nail to. If not, you will needto add 2” X 4” nailers between thejoists.

Joe Keca is a specialist incomplete building and interiorrenovations with the HomeImprovement Group. He can bereached at 905-309-5555. -Å

Examples (Price-Tax)

The information contained on this page is for estimation purposes only and applies to the sale ofOntario Residential properties only. Your actual Ontario Land Transfer Tax should be independentlycalculated and verified. The real estate board nor any of its advertisers shall ave any liability for theaccuracy of the 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

Land Transfer Tax

Calculation For Residential

Transaction in Ontario

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 $298,521 $299,641 $178,956 $279,104 $144,513 $245,988 $439,293 $344,179 $326,034 $256,862 $289,085 $452,434

2010 (YTD) $317,431 $329,783 $188,428 $305,141 $152,629 $263,676 $453,775 $372,439 $349,043 $282,564 $304,295 $490,977


Call the Golfi Team Today!

905-575-7700905-945-0188 Rob Golfi

Sales Representative

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sept. 1, 2010 issue 14

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