Apr. 2, 2013 Issue 68

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

April 2, 2013 - Vol 50

Rob GolfiSales Representative

HOME EVALUATION NO COST • NO OBLIGATION

905-575-7700 • 905-945-0188

8 Hale Street, Stoney Creek, ON See page 8 for details.

WHAT’S INSIDE:

It’s a Mortgage War!PAGE 4

Grimsby, Lincoln West Lincoln &Niagara ListingsPAGE 5

Hamilton, StoneyCreek, Ancaster,Dundas & GlanbrookListingsPAGE 8

Read more on www.GolfiTeam.com

Page 2 The GOLFI TEAM Real Estate Market Watch April 2, 2013

www.GolfiTeam.com

About Rob Golfi WHAT’S ONLINE

Since the inception of his career in 1997, Rob Golfi hasrecognized that understanding his clients’ needs is essential toproviding excellent service. Married 25 year with four children,Rob understands a family’s wants and needs.

As business grew, Rob assembled the Golfi Team in an effort tomaintain the same level of professionalism clients have come toexpect. Shortly thereafter in 2003, the team received theprestigious honour of being among the top 100 Real EstateTeams for RE/MAX Canada, and this status continues to date.

Rob’s experience and aggressive negotiating skills have earnedhim every major honour awarded by RE/MAX, includingPresident’s Club, 100% Club, Platinum Club, Chairman’s Club,Hall of Fame in 2003, the Lifetime Achieve ment Award in 2006,his SRES® designation in 2009 and the Diamond Club Award in2010. Having worked with many of the industry’s professionalsover the years, he has the necessary edge to best negotiate thesale of your home.

Any agent can list your house, but Rob’s knowledge, extensivemarketing background and dedication gives clients peace of mindwhen dealing with the single most important investment in theirlives. With years of combined experience, the Golfi Team canprovide your home with a level of exposure that most agentscannot. Utilizing a team approach also means that they will likelyfind a purchaser to buy your home sooner, rather than waitingfor other agents to approach you with potential buyers.

Ranked in the top 5 of nearly 2,000 sales agents in the Hamilton-Burlington and Niagara areas, listing with Rob and the Golfi Team isthe right choice when choosing someone to represent your bestinterest.

Rob and Sue Golfi

See what’s on our blog this week!Visit www.golfiteam.com andclick on the BLOG tab.

It’s a War – a Mortgage War!

Real Estate Home Inspection:Buyer Beware

The latest listings in Hamilton, Stoney Creek, Grimsby & Niagara area

ALSO:

KEEP IN TOUCH

Get daily updates on Real Estate locally and across Canada.

www.facebook.com/gol!team/The Rob Gol! Team Remaxwww.twitter.com/robgol!The Rob Gol! Team REMAXwww.youtube.com/gol!teamGol!Team

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How The Golfi Team Did in 2012:✓ Number Of Homes Sold in 2012: 313 ✓ List Price To Sold Price Ratio: 98% ✓ Average Days On Market: 39

100%ClubAward Platinum

ClubAward Chairman’s ClubAward Hall of FameAward

LifetimeAchievementAward Diamond

ClubAward

Outstanding Team. Exceptional Results.

1998-2013 2002-2012

2003-2012 Inducted 2003

Inducted 2006 2010-2012

Burlington

WaWaterdown

Hamililton

StoneyCreekeek Grimsby

West Lincoln

Lincoln

WWaWain!eet Port Colborne

Pelham

Thorold

St St. CaCathathaa rines

NNNiagaNiagaara a on the Lake

Niagara Falls

Fort Erie

Welland

Freeeeleltonton

Duundas

Ancaster

Moount Hoopee

Bininbrookk

Burlington

Waterdown

Hamilton

StoneyCreek Grimsby

West Lincoln

Lincoln

Wain!eet Port Colborne

Pelham

Thorold

St. Catharines

Niagara on the Lake

Niagara Falls

Fort Erie

Welland

Freelton

Dundas

Ancaster

Mount Hope

Binbrook2HAMILTONBURLINGTON & NIAGARA2HAMILTONBURLINGTON & NIAGARA

RE/MAX TEAM IN CANADA20RE/MAX TEAM IN CANADA20

RE/MAX TEAM WORLDWIDE40RE/MAX TEAM WORLDWIDE40

Information based on recorded commissions paid between January and December 2012 from the REALTORS® Association of Hamilton-Burlington. Rankings are compiled from #gures submitted by regional and local o$ces.

RobGolfi

Sales Representative

SharonStafford


HeatherReid


HansMarcellissenSales Representative

WendyMurray-NicholsonSales Representative

MikeMcNeil


KristinaKing


JohnHellicar


MargaretBerlo


DanGolfi


LynnPage


April 2, 2013 The GOLFI TEAM Real Estate Market Watch Page 3

Call Today 905-575-7700

“Dear Sharon,

We appreciate everything you and theteam have done for us with the sale ofour home at a price we were hoping for.With our home located in Smithville, weknew excellent marketing was essential.

We were very pleased with the results ofhome staging which helped make ourhome more attractive to potential buyersand a resulting offer within two weeks!

Being able to speak with a member ofthe Golfi Team whenever we called withquestions was a real stress reliever!

With our move out of town, yourassistance with a referral in our newarea was much appreciated. We willcertainly refer you to all of our friendsand family!

Sincerely, Joe & Patty

WHAT OUR CLIENTS SAY...

Thank you so much forletting us sell your home - Sharon

BMO threw down its mortgagegauntlet on Friday, with arock-bottom five-year fixed-

rate at 2.99% (down from 3.09%), effec-tive immediately.

The rate drop is reminiscent of thebank's 2012 attempt to win mortgageseekers during the busy spring real estateseason. The move sparked a mortgageprice war and prompted admonishmentsfrom an angered Finance Minister JimFlaherty.

This time is no different, withFlaherty issuing a harshly worded state-ment about the expectations of prudentlending by Canada's banking system.

The good news is that anyone cur-rently shopping for a mortgage will endup with even lower rates. And thatincludes me. Of course, there's more toselecting a mortgage than a low rate, butit does prompt the question: how muchhave rates shifted over the decades?

While data on discounted mortgagerates-the posted rates minus discountsoffered by banks and A-lenders to good,qualified credit borrowers-is not readilyavailable, the Canadian Mortgage andHousing Corporation collected data onposted mortgage rates going back to1951. Just to clarify the posted rate is therate banks offers before discounts. Thecurrent posted rate is 5.24%.

Below is the average posted rategoing back to 1951:

According to Robert McLister, edi-tor of canadianmortgagetrends.ca, thediscounted five-year fixed rates were asfollows:

2011: 3.49% (posted rate minus 1.8%)

2001: 5.85% (posted rate minus 1%)



*Thank you to Debra Conner,Housing Information Analyst, CMHC,for supplying the posted rate raw data.

2012 4.24%2011 4.57%2010 4.82%2009 5.05%2008 6.41%2007 6.36%2006 5.98%2005 5.48%2004 5.80%2003 5.99%2002 6.70%2001 7.18%2000 8.20%1999 7.39%1998 6.90%1997 7.07%1996 7.94%1995 9.22%1994 9.34%1993 8.70%1992 9.52%1991 11.16%1990 13.24%1989 12.05%1988 11.60%1987 11.14%1986 11.22%1985 12.18%1984 13.61%1983 13.29%1982 17.89%

1981 18.15%1980 14.32%1979 11.98%1978 10.59%1977 10.36%1976 11.78%1975 11.43%1974 11.24%1973 9.59%1972 9.21%1971 9.43%1970 10.45%1969 9.84%1968 9.06%1967 8.07%1966 7.66%1965 7.02%1964 6.97%1963 6.97%1962 6.97%1961 7.00%1960 7.18%1959 6.98%1958 6.80%1957 6.85%1956 6.23%1955 5.88%1954 6.01%1953 5.97%1952 5.77%1951 5.46%

www.golfiteam.com


PINTEREST-ING!Great ideas pinned weekly!www. pinterest.com/robgolfi

Get Light Cleanliness with White Kitchen Backsplash!

Home Office Designs

Neutral bedroom withhidden storage

French Country Living RoomDesign

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robgolfi

Is Your Bank’sMortgage InsurancePlan a good deal???by Gianni Leonetti, Leonetti Consulting

When you go to the bankto get a mortgage, you'llinevitably be asked to

take out mortgage insurance. The ideabehind mortgage insurance is simplythat if something happens to you oryour spouse then your loan will bepaid off which is good news for yourfamily and fortunately the bank. Mostbanks act like they are doing you afavor by offering you mortgage insur-ance through their own group plan, butare they?

The truth is that you could proba-bly get a much better deal and at leastan equal amount of protection byshopping around for your own privateinsurance policy. Mortgage insuranceis no different than term-life insur-ance, both policies only last for a spec-ified period of time and pays its bene-fits if something happens to you oryour spouse. The real differencecomes down to how much controlyou'll have over your policy and howmuch you'll pay for it.

If you choose to use the mortgageinsurance offered by the bank, youwill not be able to customize a policyto fit your needs and you will onlyhave limited control over your policy.For example, through a third partyprovider, you would be able to chooseyour own beneficiary, decide how tospend the proceeds if necessary, andcancel the policy at any time. Youwould not have these options with alending institution. Additionally, thebank maintains the right to not renew

your policy and to cancel the policywhen you sell the house. If you findyour own insurance provider, you canmake those decisions yourself.

The other major difference is cost.A third party insurance policy's premi-ums will not go up, so you would paythe same premium today that you'dpay ten or twenty years from now. Youwon't get that same guarantee from abank, which can and probably willincrease your premiums during the lifeof the policy. In most cases, you'llprobably pay more through a bankanyway. In fact, the policy you takeout through your bank will graduallydecrease and increase in price as youget older while a plan you select froman outside source will be worth thesame amount during the entire policyperiod.

The bottom line is that mortgageinsurance is important and should bepart of your home buying or refinanc-ing preparations, but that does notmean you need to pay more or let thebank make important decisions foryou. Leonetti Consulting will assistyou in creating a personal insuranceplan utilizing a reputable Canadianinsurance provider that will let youstay in control of your policy and willsave you money in the long run. Giveus a call and experience the differ-ence!!

Contact Gianni at 905-690-5052,ext. 251 or email him [email protected]

It’s a Mortgage War!

Call Today 905-945-0188


Rob Golfi*

Grimsby, Lincoln West Lincoln & Niagara

GRIMSBY $459,90023 Tunbridge Crescent

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

$1739.28 per/mth P&I / O.A.C.

GRIMSBY $309,900683 Ridge Road West

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

$1172.00 per/mth P&I / O.A.C.

GRIMSBY $799,9002 Shoreline Crescent

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

$3025.11 per/mth P&I / O.A.C.

BEAMSVILLE $599,0004130 St. George’s Drive

New Hampton Model home! 3000 sq.ft. of pure luxury,loaded w/upgrades. Open concept w/hardwood, ceramic &porcelain flrs. Kitchen w/granite counters, glass backsplash& island. DR boasts coffered ceilings & wainscoting.Master bdrm w/double walk in closets & spa bathroom.

$2265.33 per/mth P&I / O.A.C.

ST. CATHARINES $409,9008 Westport Avenue

Prestigious area, walking distance to Port Dalhousie. Impressiveopen concept layout. Main level has hardwood flooring, livingroom with a wood burning fireplace, large family room surroundseat-in kitchen w/plenty of countertops, cabinets, pot drawers &pantry storage. 2 patio doors lead to deck and private backyard.

$1550.18 per/mth P&I / O.A.C.

WEST LINCOLN $374,9008530 Silver Street

CHARACTER HOME Circa 1865 – Sitting on 1.22 Acres,4 bedrm, 2 bathrms, over $200,000 in updates, beautifulpine plank flrs, large country size kitchen, updated vinylwindows, newer furnace & C/air, inground pool, 20x32 fthobby barn + dble car garage 15 min drive to Hamilton.

$1436.73 per/mth P&I / O.A.C.

BEAMSVILLE $779,9005109 Leonard Crescent

9.2 acres on Escarpment bench, surrounded by trees is minutes fromtown. Secluded 1900 sq.ft. bungalow features stained oak hrdwd flrs,large liv. rm with showcase fireplace. Flr to ceiling sliding doors leadto backyard oasis overlooking Lake Ontario. C/A, vinyl windows &shingles in the last 10 yrs, & oversized 23x23 ft. double garage.

$2949.47 per/mth P&I / O.A.C.

GRIMSBY $649,900643 Ridge Road West

Country living at its best! 1.3 acres and featuresbeautifulhardwd flrs, oak staircase, professionally finishedbasement,master bedrm with large ensuite, double garagewith directaccess to basement, updated vinyl windows,furnace 2010,shingles 2006, 9000 gal cistern under garage.

$2457.83 per/mth P&I / O.A.C.

VINELAND $254,9003927 Durban Lane

This beautiful home is in the gated community of CherryHill Estates. Open concept bungalow features hardwood&ceramics on main floor, oak staircase, California shutters,garden doors to large deck & a sunny main floor den.

$964.00 per/mth P&I / O.A.C.

BEAMSVILLE $454,9004024 Bush Crescent

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

$1720.37 per/mth P&I / O.A.C.

GRIMSBY $334,90040 Viking Drive

LAKESIDE COMMUNITY – 4 Level side split w/open &inviting floor plan, features large eat-in kitchen, cozy familyroom w/gas fireplace, updated shingles 2010, furnace 2012,updated vinyl windows, updated carpet, ceramics &porcelain tiles, rough-in central vacuum.

$1266.55 per/mth P&I / O.A.C.

WEST LINCOLN $399,9005798 Sixteen Road

19th CENTURY CHARM -sitting on 1.11 acres, great rmaddition w/cathedral ceilings & gas fireplace, remodelledkitch, Original pinewood & oak floors, 40x40 work shopw/800 sq.ft. mezzanine, newer shingles ‘10 & new furnace,& mostly updated vinyl windows.

$1512.37 per/mth P&I / O.A.C.

BEAMSVILLE $429,9004359 Tamarac Avenue

QUIET COURT LOCATION – This 4 bedrm 2 storey homehas everything you’re looking for, open concept, gorgeoushardwood floors in living/ dining room & family room, gasfireplace, 3 tier patio deck in landscaped back yard, newshingles in 2011, updated vinyl windows, & oversized lot.

$1625.82 per/mth P&I / O.A.C.

GRIMSBY $324,9005 Hazelwood Avenue

RARE FIND! Beautiful 2+1 BR on a 50x207 ft. lot, infamily neighbourhood. Updates: roof ‘11, soffits & eaves,patio, gas bbq hook up, 2 baths redone, kitchen, & freshlypainted. Fin. basement with new rec room, 3rd bdrm/gamesroom. Laundry, large workshop & detached single garage.

$1228.73 per/mth P&I / O.A.C.


Stunning home was originally the model home in the gatedcommunity of Cherry Hill Estates. Many upgrades. Openconcept living room, kitchen and dining room with vaultedceiling. Hardwood and ceramics on the main level,basement is partially finished with additional bedroom

$1058.54 per/mth P&I / O.A.C.


Get inside to see this lovely home in the gated communityof Cherry Hill Estates.! Generous foyer opens to thecomfortable living room. Eat-in kitchen w/sliding doors tolarge deck.

$699.64 per/mth P&I / O.A.C.

GRIMSBY $399,90077 Plum Tree Lane

FABULOUS FIND! All brick, 3 bedrm home, features 9 ftceilings & upper flr family rm w/gas fireplace, gorgeoushardwd flrs, large family-size maple kitchen w/breakfast bar,fenced yard with patterned concrete patio, master bedrm withwalk-in closet and ensuite, fin. basement with large rec-rm.

$1512.37 per/mth P&I / O.A.C.

ST CATHARINES $217,9009B David Street

Bi-level semi-detached home only 6 yrs new with openconcept kitchen, spacious living/dining room with5 bedrooms with large windows, 2 large bedrooms on themain floor and bathroom with soaker tub & separate shower,a fully-finished basement with rec-rm.

$824.07 per/mth P&I / O.A.C.

GRIMSBY $289,90041 Hemlock Way

Losani freehold! No fees! 3 bedrooms, 2.5 bathrooms.Corner gas fireplace, bamboo flooring, berber carpet, 4appliances, bed level laundry, ensuite with soaker.

$1096.36 per/mth P&I / O.A.C.

NIAGARA-ON-THE-LAKE $259,900104 Young Crescent

Beautifully decorated 3 bdrm, townhouse in desirableNiagara on the Green. Main floor offers HW floors, largeliving room with gas fireplace, open concept kitchen, diningroom. Large 2 tiered deck off patio doors. Centrally locatedw/QEW access, close to Niagara Falls & Niagara College.

$982.91 per/mth P&I / O.A.C.

SOLD ANOTHER ONE

SOLD ANOTHER ONE

www.golfiteam.com


CongratulationsWinners!

Congratulations Victoria Richards-Saunders,from Hamilton, Age 4

Congratulations Anna Kowch

,

from Hamilton, Age 5

Congratulations Jaskiran Chinjer,

from Stoney Creek, Age 12

Thank you to all the young artists whoparticipated in our 2013 EasterColouring Contest! Thank you to yourfriends and family who took the time tovote for you!

We look forward to receiving your entrynext year!


Call Today 905-575-7700

Seniors Real Estate Specialist is adesignation for REALTORS® to address theneeds of home buyers and sellers, age 50-plus.If you are buying or selling a home, contact RobGolfi today.

Rob GolfiSales Representative

905-575-7700Crossword Solution

The NiagaraHome &

Garden Showis returning to Grimsby

Friday April 12 -4pm to 8pm

&Saturday April 13 -

9am to 4pm

Peach KingCentre

162 Livingston Ave.,Grimsby

Parking &Admission are Free!

The professionals inhome décor,landscaping,

gardenning andmuch more will be

available allweekend to answeryour questions.

Come on out andmeet the Golfi

Team – we’d love tosee you! For moreinformation pleasecontact us directly. 905-575-7700

or visitwww.golfiteam.com

6THANNUALNIAGARAHOME &GARDENSHOW

Why we need a Danish housing ‘Lemon Law’What we need in Ontario to

protect resale home buy-ers from hidden defects

is a lemon law like the one they have inDenmark.

Reader Anthony Caruso, living inAalborg, reminded me that the Daneshave a type of insurance — split equal-ly between buyer and seller — that pro-tects against unforeseen defects discov-ered after closing.

The policy costs between $1,200and $3,000, depending on the age of thehome, and is dependant on a homeinspection. It will last for up to 10years. The seller must not have doneanything to deliberately cover up adefect or they may be held responsiblelater.

The insurer will then pay for hid-den defects as they occur, as well as thecosts of suing a seller who may havecommitted a fraudulent act in coveringup any defects.

If Ontario had a similar process, Ihave no doubt it would result in sellersbeing more honest about the condition

of their properties — and buyers, inturn, being more satisfied and protect-ed.

But it won’t be easy. KevinHamilton of Moncton-based LuxResidential Warranty Program Inc. hasoffered a CMHC-approved new homewarranty plan for Atlantic Canada forthe past eight years. They are nowfinalizing a warranty plan that willsoon be available for resale home buy-ers in Atlantic Canada and Ontario.

Their website lists all the thingsthat could go wrong with your homeafter closing. There is also a detailedexclusion clause as to what will not becovered, including anything containingasbestos, flashing eaves, sewage back-ups or where there has been improperongoing maintenance.

The maximum liability for anyclaim under this policy is $500 to$2,500, depending on the problem; theaverage premium will be about $385.Most buyers who find serious issuesafter closing need to spend much morethan this. Still, this is a step in the right

direction and Hamilton says they hopeto increase these coverages as theylearn more.

The lemon law column prompted alot of mail from unhappy buyers,tradespeople, home inspectors andinsurers. They all agree the current sys-tem does not work and buyers needmuch better education and protectionwhen buying a resale home.

Doug McAllister, an electricianfrom Sudbury, commented that if heperforms shoddy work, he will be heldresponsible. He figures he is probablymore qualified than most home inspec-tors and says it is not right that anyonecan put out a home inspector sign aftertaking courses for two weeks.

I think the government should getthings going with regulations or a chal-lenge to the home-inspection industryto develop continuing educational stan-dards and avenues for consumer com-plaint. Insurers can help by developingproducts that protect resale homebuy-ers.

In the interim, I encourage everyresale homebuyer to include a clause inany contract that the seller representsand warrants that during their owner-ship they never experienced any waterpenetration, and if they have, to pro-vide details of any repair work done.

If the seller refuses to sign, thenask for a more detailed inspection by abasement water or mould specialist, oradjust the price of your offer.

Mark Weisleder is a lawyer, authorand speaker to the real estate industry.Email [email protected]


Rob Golfi*

Hamilton, Stoney Creek,Ancaster, Dundas & Glanbrook

www.golfiteam.com

HAMILTON MTN $299,900723 Templemead Drive

CHARM WITH A CAPITAL “SEE”! 2 storey home withfully finished basement in fantastic condition, hardwood andnew carpeting on stair case and upper level, large kitchen,separate dining room, most windows updated 2011,shingles 6 years new, fenced yard, and close to all amenities.

$1237.79 per/mth P&I / O.A.C.

STONEY CREEK $549,90039 Sasha Court

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

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

HAMILTON CENTRAL $162,90067 Kensington Ave. North

2-1/2 storey, 4 bedroom, 3 full bathrooms, all brick home ingreat location, close to buses and schools and shopping.Bring your paint brush and tool belt and make this great findyour own! Ask us about mortgage home improvementprogram.

$616.07 per/mth P&I / O.A.C.

STONEY CREEK $517,900177 Silverlace Circle

BEAUTY, WARMTH & VALUE – All brick, w/top qualityfinishes, maple kitchen cabinets w/granite counters &breakfast bar, hardwd flrs, fin. basement great for in-law,master bedrm suite w/additional rm - great for dressing rm,den, TV rm or nursery, & grand foyer w/spiral maple staircase.

$2068.58 per/mth P&I / O.A.C.

HAMILTON CTR $94,9002607-150 Charlton Avenue EastCozy 1 BR condo w/escarp.views. Updates incl. toilet &soaker tub & all flooring. Amenities incl. indoor salt-waterpool, games rm, exercise rm, ldry facility w/14 washers &dryers (updated w/swipe card payment equipment), steamsauna & party rm. Underground parking avail. $40/mth.

$379.05 per/mth P&I / O.A.C.

BURLINGTON $409,900 2413 Emerson Drive

Bronte Woods linked home in The Orchards. Open conceptmain level features an eat-in kitch, spacious foyer, & hardwdflooring, lrg master w/ensuite bathrm & walk-in closet,fully fenced yard & stone patio area w/access to garage.Close to all amenities, schools, & parks.

$1550.18 per/mth P&I / O.A.C.

STONEY CREEK $174,900108-150 Gateshead Crescent

CHARMING END UNIT – In Gateshead townhousecommunity! Immaculate home features updated kitchenwith granite counters, prof. finished basement with 2 pcbath, enclosed patio, freshly painted, many updates donerecently from condo corp, plenty of visitor parking.

$661.45 per/mth P&I / O.A.C.

HAMILTON CTR $147,000120 Duke Street, Unit #601

Spacious 2 bedroom, 1.5 bathroom condo close to the gostation, university and hospital. Building amenities: Indoorsalt water pool, fitness room, hot tub, sauna, party room,underground parking for owners & visitors!

$555.93 per/mth P&I / O.A.C.

STONEY CREEK $274,900356 Celtic Drive

NEAR SCHOOLS, BUS & SHOPPING! 3 bedroom homein a desirable neighbourhood, features sunken family rm withcathedral ceiling & gas fireplace, professionally finishedbasement w/gas fireplace, master bedrm w/ensuite & walk-in closet, new furnace & c/air 2011, new shingles 2007.

$1039.63 per/mth P&I / O.A.C.

HAMILTON MTN $692,900113 Mountain Park Avenue

SPECTACULAR VIEWS! Custom rebuild, large foyer, richhardwood, gourmet kitchen w/granite island & S/S appl. 4 bedrms, two 6 piece baths, covered deck w/ view of city,Toronto & Lake. Great rm & dining rm both w/limestone FP.Balcony off Master Bedrm. Short walk to Juravinski hospital.

$2620.45 per/mth P&I / O.A.C.

BURLINGTON $429,9005255 Lakeshore Rd. Unit#42

Charming 2 storey townhouse "NEWPORT Village", juststeps from the Lake, parks & shopping. Features updatedkitchen, hardwd flrs, crown moulding throughout, spaciouspriv. rear patio (20 x 11'). Master BR w/ensuite bath & walk-in closet, finished basement. Furnace & A/C updated Nov ’09.

$1625.82 per/mth P&I / O.A.C.

HAMILTON $269,9008 Hale Street

BEAUTIFUL FREEHOLD. Was the Model home.Upgraded trim, crown mouldings, pot lights, hardwood,granite counters, oak stairs throughout, balcony off kitchen,fully fenced yard and island in kitchen w/dishwasher. Showsgreat, quick poss. available. Great location. Close to HWY.

$1020.72 per/mth P&I / O.A.C.

SOLD ANOTHER ONE

HAMILTON EAST $799,900865 Beach Blvd.

Gorgeous property backing onto the beach & Lake Ontario!Incredible views! Renovate or build your dream home here!Or sever the lot and build 2 new homes.

$3025.11 per/mth P&I / O.A.C.

HAMILTON MTN $199,900843 Queensdale Ave. East

FIRST TIME BUYERS ON THE MOUNTAIN. Very wellkept one floor plan with pro finished rec room w/gasfireplace. Eat in Kitchen w/ walkout to side yard/deck , fullyfenced and side drive. Updated doors, flooring, shingles,windows & wood burning fireplace in livingroom.

$755.99 per/mth P&I / O.A.C.

HAMILTON EAST $259,9003 Sandlyn Court

LOCATION & VALUE! Fantastic side-split with lots ofparking, shows very nice, quick possession available, closeto shopping and schools. Generous sized rec room w/electricfireplace and 2 piece bath. Huge storage area in lower level,built in shelf`s in bedroom and new patio door 2013.

$982.91per/mth P&I / O.A.C.

STONEY CREEK $235,90015 Spartan Ave.

CLEAN BRIGHT AND BEAUTIFUL – 4 lvl back split infantastic condition features bright kitchen with oak cabinets,gorgeous hardwd flrs, pot lighting, family rm with walk outto patio & fenced yard, new vinyl windows, shingles 7 yrsnew, quick access to QEW.

$892.14 per/mth P&I / O.A.C.

HAMILTON MTN $239,900230 East 27th Street East

Near schools buses and shopping! Charming 1.5 storeyhome close to all amenities features 3+1 full bedrooms,great dining area off of kitchen with patio door leading toyard, part. fin. basement, mostly vinyl windows, freshlypainted, detached single garage. Ideal for the new buyer!

$907.27 per/mth P&I / O.A.C.

HAMILTON MTN $199,90071 East 24th Street

Fantastic opportunity for a young family to live on theMountain for $199,900 in a 3 bedroom, 2 bathroom home.Updates include: most windows, front door (’10), someupdated wiring, main roof, siding (’06) and insulation. Allappliances included!!! Rear Parking.

$755.99 per/mth P&I / O.A.C.

GLANBROOK $385,9001635 Glancaster Rd.

Renovated country bungalow on 75x576 ft. lot minutes tothe city, custom maple kitchen with granite, Brazilianflooring, 20x20” tiles, new windows, shingles (’06). If youlove the country & want to feel like you are living in a newhome than this place is for you.

$1459.42 per/mth P&I / O.A.C.

SOLD ANOTHER ONE

SOLD ANOTHER ONE

HAMILTON EAST $350,000867 Beach Blvd.

WATERFRONT LOT 42.50X149.00 ft.! Build your dreamhome in trendy Beach Blvd backing onto the WaterfrontTrail, fully serviced vacant lot with sewers, water & gas tolot line.

$1323.65 per/mth P&I / O.A.C.

SAVE 10%when you

mention this ad & book for 2013!

Call Today 905-575-7700


Rob Golfi*

Hamilton, Stoney Creek,Ancaster, Dundas & Glanbrook

HAMILTON CTR $289,900673 King St. East

LOCATION LOCATION! This incredibly maintained 2200sq.ft. corner property with commercial frontage and 2 add’tlapts features fantastic income, close to Cathedral highschool, new roof 4yrs new, 14 ft ceilings, hardwd flrs, fullbasement with newer wiring & parking space in the back.

$1157.91 per/mth P&I / O.A.C.

HAMILTON CTR $269,900107 Garfield Avenue South

USED AS A TWO FAMILY! 1 bedroom on main floor,porch & laundry room, $850/mth w/1yr lease from Oct2012. 2nd/3rd floor two bedrm w/ensuite, granite, gas FP,ldry room $875/mth(vacant). New H/E boiler (gas on equalbill $106/mth). Steel roof, windows & doors 2008.

$1078.02 per/mth P&I / O.A.C.

HAMILTON MTN $159,90036 Poplar Avenue

LOCATION, LOCATION! Walk to Juravinski, steps tomountain brow and shopping. Loads of character andperfect for a young couple! This property features beamedceilings, private back yard, front and back porch, updated100 amp panel, and kitchen. Great rental location!

$638.67 per/mth P&I / O.A.C.

Specializing in all types of concrete work:

• Exposed, stamped & sandblast• Basement floor, garage floor, porch, steps, walkways & patios• Concrete removal & repairs• Installation of inside drains• Custom design for residential & commercial• Fully insured, fully licensedCall for a FREE estimate today

905-662-4022www.golficoncreteandrain.com

GO

LFI Concrete & Drain Ltd.

STONEY CREEK $459,90020 Spartan Court

TUCKED AWAY ON QUIET CUL-DE-SAC! 2-storeyhome backing onto forestry w/complete privacy, featuresincredible open floor plan, lrg family rm w/showcase gasfireplace, hardwd flrs on main level, master bedrm w/luxuryensuite & walk in closet, fenced yard, & main flr laundry.

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

HAMILTON EAST $169,900117 Fairfield Avenue

BUNGALOW WITH FAMILY ROOM ADDITION. Twogood sized bedrooms w/a large family room, lots of parking,updated windows, shingles, furnace, C/A, kitchen & wiring.Needs TLC in decorating & cleaning. Great Value. Close tohighway access & shopping.

$678.61 per/mth P&I / O.A.C.

STONEY CREEK $369,90020 Blue Mountain Drive

JUST AMAZING! Prev. model home, features stylish kitchw/granite counters,HWflrs, oakplankstairswithwrought ironspindles, showcase fireplace w/built-in TV screen, masterbedrm w/ensuite, speaker system through-out, undergroundsprinkler system, & a professionally finished basement.

$1477.44 per/mth P&I / O.A.C.

HAMILTON MTN $517,900447 DiCenzo Drive

TRENDY, STYLISH & LUXURIOUS! Maple kit. cabinets,island & granite counters, HW flrs, oak staircase w/wrghtiron spindles, family rm w/showcase fireplace, 6” baseboards,crown moulding, 62 pot lights, surr. sound system, energystar windows, & finished basement w/custom cabinet bar.

$2068.58 per/mth P&I / O.A.C.

STONEY CREEK $379,900167 Montreal Circle

MORE THAN YOU’D EXPECT – This all brick home withopen & inviting flr plan, features maple kitch w/breakfastisland, beautiful hardwd flrs through-out, oak staircase,coffered 9 ft. ceilings w/pot lights, California shutters,insulated garage, 3 pc rough-in in basement.

$1436.73 per/mth P&I / O.A.C.

Your home could be worth more than you think!

SOLD ANOTHER ONE

FREE MARKET EVALUATION

905-575-7700

www.golfiteam.com


MarketplaceMarketplace

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

Tree Inspection - Disease DiagnosisOrnamental & Shade Tree Pruning

Tree Surgery & CablingTree & Stump Removal

Tree & Shrub FertilizationSkid Steer Services Available

Attachments AvailableBackhoe

Post Hole AugerTree Spade

905-309-0909

www.budgetblinds.com/Grimsby

FREE IN HOME CONSULTATION

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

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

TAKE THE STRESS OUT OF MOVING!

Margaret WhorwoodAgent Lic. No. M11000188 Mortgage Planner

651 Fennell Avenue EastHamilton, ON L8V 1T9

fala português

www.mtgarc.ca/margaretwhorwood

TCFE

905.574.9200 x [email protected]

Pamela Culp Blanchard Cell: 905-971-9568 www.seniordownsizing.ca

Senior Downsizing

WE GUIDE YOU THROUGH THE ENTIRE PROCESS

HOME STAGING

Jacqueline Paradisi

Paul Lewis SettimiBarrister, Solicitor and Notary Public

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

20 Main Street WestGrimsby, Ontario L3M 1R4

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

Real Estate Lawyer

[email protected]

Hardwood Floor Refinishing

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

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

WE GUIDE YOU THROUGH THE ENTIRE PROCESSPamela Culp Blanchard Cell: 905-971-9568

www.beclutterfree.ca

Clutter Removal & Organizing

GATEWAY YARD [email protected]

PROUDLY SERVING GRIMSBYAND SURROUNDING AREAS

Competitive Pricing& Free Estimates

Call Today 905-945-0188


Across1 Careless and lazy (13)8 The briny (3)9 It is clear (anag) (9)10 Object serving as an example of its

class (8)11 Work hard — hard work (4)13 Unattached (6)14 William Bligh's ship (6)16 Blooming — hopeful (4)17 Repress — lie low (4,4)20 Incredulity (9)21 Tavern (3)22 Hedonistic (4-9)

Down1 Misplaces (5)2 Rush round ineffectually (5,4,4)3 With dexterity (8)4 Rouse from sleep (6)5 Legal action — courtship (4)6 Expose the limitations of someone's

importance (3,4,2,4)7 Nearby (7)12 Medical institution (8)13 Outdo (7)15 Traditional story (6)18 Musical work for a set number of

performers (5)19 Abominable snowman (4)

CROSSWORD PUZZLE (Solution on Page 7)

The SolutionFill in the grid above, so that each row of9 squares, each column of nine and eachsection of nine (three squares by three)contains the numbers 1 through 9 in anyorder. There is only one solution for thepuzzle and the numbers shown canNOT be changed.

1 7 33 9

2 3 1 489 7 4 6

3 72 1 3 8

4 2 9 172 8

9 7 2 5

SUDOKUSUDOKU

951842 673

874326 951

236514 798

189753 462

365987 214

742165 389

428691 537

513279 84

697438 125

6

5

FREE Market EvaluationYour home could be worth more

than you think!

905-575-7700Danny Benjamin

Mortgage AgentLic #: M13000431

We listen. We understand. We make it work.

Tel: 289-808-4102 Email: [email protected] Web: www.MortgageMeToday.com

• Helping with Mortgages, Loans, Debt Consolidation, Refinance and Renewal

• Supporting everyone including low income, challenged credit,new immigrants, non-residents and self-employed.

• Supporting in English and Assyrian languages.

MORTGAGE ME TODAYpowered by

Mike (MJ) Gatenby, Gateway Yard Maintenance

Now that spring is here andnow that frost is no longer athreat, improving the curb

appeal of your property is on the mindsof most people. Every good real estateagent will tell you to paint the frontdoor if needed, polish the door handle

and knocker, clean all windows, get anew doormat, clean the garage, hanghoses, take down Christmas lights andmost importantly -- improve the land-scaping.

Mike (MJ) Gatenby of GATEWAYYARD MAINTENANCE has beenserving the "The Gateway to Niagara"(the Niagara Region) beautifying yardsfor many types of customers - busyfamilies, seniors and local businesses toname a few. GATEWAY YARD MAIN-TENANCE specializes in :

• Spring clean ups• Grass cutting/maintenance• Leaf blowing• Gutter cleaning• Weeding, edging and maintenance ofgarden beds

• Pruning trees/bushes• Fall clean-ups and general rubbishremoval. Our friendly and professional serv-

ice is something we are very proud. At

GATEWAY YARD MAINTENANCE“just ask and we might do it.” We carefor your property like it is our own andwe ensure the job is done properly andto your standards. Estimates are alwaysfree and pricing is affordable.

For great curb appeal withfriendly professional service at anaffordable price, call Mike at GatewayYard Maintenance, 289-273-2951,[email protected] find uson FACEBOOK or Linked In.

Curb Appeal – Make a great First Impression!

Executive Freehold Towns

www.GolfiTeam.com | 905-945-0188

Stylish 2-Storey 1,460 sq. ft. Townswith 9 ft. ceilings, nestled within abrand new community park!

Sales Office Hours: Tues & Thurs 1-5pm, Sat & Sun 1-4pmMonday, Wednesday & Friday by appointment

QEW

King St.King St.

Cassandra Dr.

Sales Office

South Service Rd.South Service Rd.

Hillside Dr.

Ont

ario

St.

Mou

ntai

n St

.

Stad

elba

uer

Dr.

QEW

Connor Dr.

18

Starting at

$246,9006

UNITSLEFT!

Pre-register now for Phase 2 Brownstones!Visit www.homesbycambridge.ca

NOWOPEN

!

90 DAY

CLOSING

BeamsvilleBeamsville

Date post:	13-Mar-2016
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Apr. 2, 2013 Issue 68

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